davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

Ocwen mortgage company is denying me a loan modification based on their claim that I do n't live at my home at XXXX XXXX XXXX XXXX XXXX. Massachusetts. On XXXX XXXX, Ocwen received XXXX utility bills, a bank statement and a credit card statement with the correct address on those items as proof, yet I 've received nothing for over a month from them about this! I want to know why they are ( allowed ) to deny my request to modify my loan citing that I do n't live at my home as their reason to deny my loan! I live here at XXXX XXXX XXXX and this denial has been going on for over a year and a half now. I am looking have the foreclosure sale date of XXXX XXXX, extended to XXXX or XXXX XXXX.
Consumer complaint received 2017-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (OH)

5 private student loans were opened with Citibank in/around XX/XX/XXXX. After going through financial stresses, I filed chapter XXXX BK in XX/XX/XXXX and was discharged in XX/XX/XXXX. Payments were made to Citibank while the loans were in bankruptcy. After BK discharge, Citibank transferred servicing of my loan at some point but never notified me. Citibank never sent me a bill or emailed me to state that my payment was past due at any time. My information was correct in their system, as I had checked the website multiple times throughout the last several years and made sure all contact information was up to date. Citibank is now reporting my loans as charge offs/collections and the servicer does not know which collection company my loans went to. I am paying federal student loans and would have no issue paying these private loans but Citibank never contacted me regarding payment, either by US postal mail or email and just sold and reported to the credit bureaus as charge offs.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : I have repeatedly asked EXPERIAN CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, EXPERIAN CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX collection agency substantiating their claims ( account # XXXX amount {$990.00}. 
Furthermore, I have requested EXPERIAN CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
This letter is in response to EXPERIAN CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that XXXX XXXX XXXX, collection agency, has verified that the ( account # XXXX amount {$990.00} ) they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. 
I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. 
I am maintaining a careful record of my communications with EXPERIAN CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your non-willfulness.
Consumer complaint received 2016-04-05
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have American Express Serve card. They give you an unnecessary hard time in disputing transactions, and they have every reason to, because if they give you your money back, whatever percentage the merchant has to pay for using their card, they do n't get paid if they give the money back! 

XX/XX/XXXX, I disputed XXXX charges : XXXX from XXXX, in which I signed up for their hot spot service through their automated system, which did not state the charge is not refundable. They only tell you this after you are charged ; then, they say it is in their terms of service, which was never mentioned in the sign-up process nor do you get a website to go to to read the terms of service. This is fraud, because I am not be given the right to make an informed decision. 

XXXX charged me {$50.00} on XXXX/XXXX/XXXX. 

I made a purchase at XXXX and was charged {$36.00} on XXXX XXXX, XXXX, under XXXX. I returned the product and though the seller has a refund policy, but she will not give me my money back. 

I called Serve in XX/XX/XXXX to put both items in dispute, which was done ; however, the representative did not tell me to expect an email from American Express. As a result, they sent me an email but because I was not expecting them, as the representative did not inform me they were coming, the cases were closed. 

I am currently on hold with Serve trying to re-dispute those charges, and they have the audacity to be telling me essentially too bad : Though WE messed up, you 're not getting your money back. I spoke to XXXX, a supervisor, who is now telling me, 60 days have passed and we ca n't dispute the charges. Both of these charges were disputed in a timely fashion in the beginning. 

Serve XXXX, but they want to penalize me. 

Serve needs to be investigated and fined, because I am sure I am not the only customer they have done this to. 

All these Serve rep 's gave me the same excuses. I have been on the phone for 2 hours trying to resolve this. This is ABUSE and UNACCEPTABLE! Serve is stealing my money, because by keeping my money, they stand to profit! 

- XXXX - Account Specialist - XXXX - Account Protection - XXXX - Customer Service
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal Law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report.

Experian is reporting inaccurate information with these accounts and not giving out proof of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Experian is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from them.
Consumer complaint received 2015-12-01
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: BB&T CORPORATION (NV)

I received a gift card in XX/XX/2011 and went to use it and found out that I was charged {$3.00} per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than {$1.00} per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but XXXX says they ca n't.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX I opened a XXXX card offering no interest for 18 months on balance transfers. I initiated a balance transfer from American Express of {$3500.00} to the new XXXX card in XX/XX/XXXX and it took effect on my XXXX card ending in XXXX on XX/XX/XXXX. I looked at my accounts XXXX yr. later to see that the transfer of funds was not taken off my American Express card ending in XXXX. I have been paying both cards for the balance since the transfer. I have been calling both companies with no advancement in the situation. American Express did suspend the amount temporarily asking me for the 6th time for the same information that was already given to them. Apparently, they are giving me a run around because we are not getting anywhere as it is over 6months of contacting both companies. Please step in to get this corrected. 

In addition when American express was presented with the transmittal form from XXXX showing the payment made to them they have done nothing to get my money paid bac to me
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC. (CO)

I have pulled my credit report from multiple sources at several different intervals. I have seen accounts from the debt collector BC Services, and attempted to reach them in regard to settling the debts. I informed the collector that my interest in contacting them was to clear all accounts off my credit report ; I then asked the representative how many accounts total they had reporting to my credit. The rep I was speaking to ( whose name I did n't catch ) informed that they have XXXX accounts total on my credit and all are being reported on my credit. Upon calling back at a later point I was advised that there are only XXXX of the XXXX accounts actually being reported. This is a blatant violation of the Fair Debt Collection Practice Act, by the representative knowing that my attempts were to clear my credit report and then advising that an account not on my credit report is being reported.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

XXXX XXXX XXXX Foreclosure auction sale and XXXX XXXX XXXX sale were cancelled because First Citizens Bank and Trust Company failed to send bidding instructions to the XXXX SC court- thus causing additional financial and mental hardship on the consumer : XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

1. XXXX  is reporting to Experian that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016.

2. XX/XX/XXXX is reporting to both Experian and XX/XX/XXXX that the account Condition as Derogatory. This is not correct. XX/XX/XXXX was paid-in-full {$28000.00} and the account condition is PAID.

3. XX/XX/XXXXis reporting to both Experian and XX/XX/XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XX/XX/XXXX Bankruptcy. XXXX must only report the current condition of the account.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I have attempted to get a mortgage refinance due to unemployment and medical issues that have caused financial hardship. However the refinancing application was denied by Carrington Mortgage Services. This happended approx 2months ago. I then contacted the company and spoke with XXXX in loss mitigation about a forbearance plan because my stated intention is to save the home. XXXX stated that she would email the final figures on legal fees, late charges and court costs so that I could begin the forebearance payment plan for XXXX XXXX 2016 However, it is the middle of XXXX and no emails have been received. I have called Carrington weekly ( most recently XXXX XXXX, 2016 ) seeking the final numbers needed to begin the repayment plan.. However, one full month has passed and Carrington Mortgage Services has not submitted any calculations and the fees and charges continue to pile up. I would like to know what the delay is in getting me the information? 
XXXX Carrington Mortgage .the refinan
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage was sold to Specialized Loan Servicing late last year. I signed closing documents yesterday to refinance the mortgage. One reason I refinanced was to get away from this company. I had grave concerns about it from reading reviews on XXXX. And now I fear I 've become a victim. 

I just read the HUD-1 closing statement line by line ( which I unfortunately did not do before signing it yesterday ) and in the payoff information, XXXX claimed a " late charge balance '' of {$150.00} when in fact, my transaction history with SLS shows NO late charges, ever. They also have charged me XXXX separate {$25.00} fees just to provide the payoff information to the new bank. 

The payoff also includes " 5 extra days '' of interest beyond the date the loan will be funded. I do n't know if this is legal or not. 

Someone needs to investigate and put a stop to this blatant fraud. I fear I may be stuck paying the bogus charge because I signed the document yesterday before noticing the charge, because the new bank has told me that I have to " take it up with them ''.
Consumer complaint received 2021-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Risecredit, LLC (WI)

Someone fraudulently used my information to take out a {$2000.00} loan through Rise Credit. They used my social security number but then used other fake information to take out the loan. I didn't find out about it until my credit score dropped 150 points and started to investigate it. I have talked to Rise Credit already and they said I needed to file a report with you as well. 

It still has not been removed off of my credit report and I am getting very frustrated with it. 

The debt has now been sold to XXXX and I have attached their letter that they just sent to me.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This involves a closed " derogatory '' account on my Transunion credit bureau report.     The original creditor,  XXXX   XXXX   XXXX   XXXX  , reported a past due credit card account to the Transuion credit bureau in  XXXX . In  XXXX ,  XXXX   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This acco unt (   XXXX   XXXX   ) has  since ( and is currently ) reported as an " open collections '' on my Transunion credit report.     The problem that I have is that the original  XXXX   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a  XXXX   XXXX   XXXX   XXXX   " closed account '' and once as a  XXXX   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice  by one singl e account.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

According to XXXX XXXX XXXX XXXX, credit cards can be removed 6 years 9 months after closure of account. The following accounts should be removed from my reports : XXXX XXXX, XXXX, Bank of America, and Bank of America. It has been more than 6 years for each of the accounts. I want them removed.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

1. XXXX is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. XXXX is reporting to both XXXX  and Equifax that the account Condition as Derogatory. This is not correct. XXXX  was paid-in-full {$28000.00} and the account condition is PAID. 3. XXXX  is reporting to both XXXX   and Equifax the account Status as in a Payment Plan. This is not  correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX  Bankruptcy. XXXX  must only report the current condition of the account.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OK)

On XX/XX/XXXX, my Paypal Business Debit Card was fraudulently charged {$500.00}, I received an alert via text message of the charge. I immediately called the Paypal number and let them know. They closed the card and said they would reissue a new card. They also said they would investigate this claim and give me provisional credit of this amount and they did so. 

On XX/XX/XXXX, they sent a notice that the case was closed as it was a fraudulent charge and unauthorized and the amount would be made into a permanent refund. 

It appears they also reopened the case that same day, which I was not made aware until XX/XX/XXXX when they permanently deducted the {$500.00} from my paypal account and stating in the notes " After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction. '' I immediately called and was told that the amount of the charge was similar to other purchases that I have made and therefore they deemed it authorized without any further investigation. They suggested to reopen it, they had to file as " item not received '' which after arguing that I never placed an order for any item, they filed it in that manner ... only to say, item not allowed under Paypal purchase protection. Then filed it as " missing item '' even though I never ordered anything-once again, item not allowed under Paypal purchase protection. 

After they removed the money the first time, I contacted the " supposed '' vendor where the charge took place by calling the phone number listed on the charge. The vendor explained this was the third time this has happened and that his company did not place these charges. The spelling was completely different for the business. So, apparently those that fraudulently charged my account, was using his business information as well. This could have easily been checked with the merchant verification information and realized the information was going to someone besides the business listed. 

So, at this time ... it was never completely investigated and dismissed by saying I've had purchases similar to the amount of this one, so it has to be correct. 

I spoke to a paypal employee on Thursday the XXXX of XXXX and she was going to open an appeal. She stated that I would receive an email within 24 hours about the appeal ... which, of course, I did not. My hands are tied, I am without this money at a time that I need it most.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

I opened a credit card XXXX years ago with CITI. They promised to give me AA rewards for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Hello my due date was changed this account was never late after multiple disputes XXXX refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have Zero late payments and nothing derogatory on my credit report aside from this XXXX mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making XXXX do the ethical correct thing in regards to this issue XXXX appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.
Consumer complaint received 2016-05-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Apothaker & Associates, PC (PA)

Through a consumer action agency, I made contact with Apothaker XXXX P.C. ( the attorney 's office ) handling a judgement against me for XXXX XXXX credit card. The only offer they would make required me to pay {$640.00} /mo for two years. They said they had a rule against extending the time. 
I am a XXXX veteran on a fixed income and ca n't possibly meet these demands.