davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (FL)

I opened a line of credit through PayPal Credit which is contracted through Synchrony Bank. The contract provides customers deferred forgivable interest meaning that if the account is paid in full prior to the deferral period expiration then all of the interest is waived. I have had repeated issues with this bank essentially making it impossible to set up a specific amount through AutoPay that would ensure that the account is automatically paid off during this period. First, I changed the AutoPay amount to a higher amount to ensure that it would be paid off, but I was told that it would not take effect prior to the next scheduled withdrawal ( even though the withdrawal had not yet happened ) because a statement had already been issued. This was annoying because many other credit servicers do not do this, but I let it go and again budgeted accordingly to attempt to ensure that the automatic drafts would pay off the account before the expiration of the deferral period. However, the situation became significantly escalated when I realized that a statement was never issued for the month of XXXX. I inquired about it to see why it never issued and was told that sometimes this happens. Then I asked on XX/XX/2021 whether the Autopay amount that I had set up would still draft, and was told that no, it would not. I have repeatedly tried to set up a specific amount that would be automatically drafted so that the account would be paid off prior to the deferral expiration. However, it seems like this company keeps using random loopholes to ensure that an early payoff will not happen. Luckily I am on top of it, but many other customers of this bank may not be. This would cause them to suddenly have a bunch of interest accrue to their account without expecting that this would happen and cause significant issues with their budgets. 

I believe what Synchrony is doing is unethical, and possibly illegal. Therefore, I am submitting this complaint so CFPB can look into this.
Consumer complaint received 2015-12-18
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Blackhawk Network Holdings Inc. (CA)

I purchased and placed {$100.00} onto a " Reloadit '' card. In going to access my already established 'safe ' account, the site states that it can not connect to the service at this time. ( www.reloadit.com ) I have been trying this since XXXX. I also tried to call the number listed and get nothing but 'dead air ' ... no ringing, no anything. ( XXXX ) I am needing to transfer this cash to a pre-paid debt card to do as I need ... like buy xmas presents! ( and bills, XXXX, etc ... )
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have Home Loan from Newrez LLC, So there is problem with Escrow payment, of XXXX Dollers. 

This payment is for XXXXTax Bill which i paid from my bank account, and New Rez also deduct same amount from my escrow account.on date XX/XX/2020 and after that XXXX county sent that check back to New rez.i have copy of letter from county.

and i am calling newrez from last one, but no body want to give my money back.
Consumer complaint received 2017-11-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CO)

I have already complained about this company. Amerihome mortgage. They did resolve one of the payments that they had lost the fund for, but still not the other payment. We have been trying to stay in touch with this company, but have been locked out of our online account since XXXX XXXX, and every time we try to talk to someone we get hung up on. Today XXXX/XXXX/XXXX my husband called twice to once again ask for a full accounting with the debits and credits, but once again were unable to talk to anyone, just got hung up again. The thing is, we did not ask for this company, they bought our mortgage from the previous provider, whom we were happy with. Why are company 's allowed to get away with this? This is my families home, my children 's home. Please help!
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo has a monthly {$10.00} service fee if the balance in the checking account is less than a certain amount. One way to avoid the fee is by having 10 transactions during a month. Transactions include purchases and online bill payments. I had 10 transactions, but they changed the requirement to be only 10 purchases without notifying me.
Consumer complaint received 2020-09-11
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: CrossCountry Mortgage LLC (FL)

I applied for a forbearance due to COVID-19. CrossCountry Mortgage reported to all three credit bureaus the three months forbearance as late payments instead of affected by natural disaster. 
Ive tried disputing four times and Ive called corporate office and customer service more than ten times and the issues has still NOT been resolved. 

Please help!
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NJ)

XXXX XXXX XXXX  was sold my account, a {$140.00} debt from XXXX ... This debt was originally paid, and then I disputed it with XXXX XXXX XXXX because XXXX was paid through XXXX  XXXX XXXX and I won the dispute ... I promptly cancelled my XXXX account ... Unbeknownst to me, XXXX sold my account and it's phantom debt to XXXX XXXX XXXX. XXXX XXXX XXXX, without any notification to me, then put a derogatory mark on my credit. I disputed that and I also won, and the debt was removed from my credit bureau accounts. XXXX XXXX XXXX then sold my account to another Diversified Adjustment, who marked my credit bureau accounts without any notification whatsoever. This is a phantom debt, and I am being harassed, and I believe that XXXX, XXXX and Diversified, all of whom I will sue, are all working together and in contact with each other, and I cite the following example : Diversified originally had my account on XXXX but waited until a week ago to mark my credit bureaus, XXXX, XXXX, and XXXX. I originally disputed the debt with XXXX on XXXX  and XXXX, but, not XXXX. A weeks ago XXXX withdrew it from my XXXX  report on their own, mind boggling!!! ... 3 days later Diversified Adjustment marked my XXXX  account ... Im going to sue these people as well as whatever ever Consumer Finance does to them.
Consumer complaint received 2017-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I called Wells Fargo about removing PMI. I was sent a letter with various options on removal. In this letter one of my options states : Option 2 lists I must provide proof my home has not decreased in value, have no late payments and have an appraisal done by XXXX. Once complete option 2 then states if my LTV ratio is 80 % or less, I may cancel PMI. 

On XX/XX/XXXXI received the appraisal as done at my expense by XXXX the necessary appraisal company Wells Fargo required. The appraisal letter showed my LTV ratio at 77 %. Thus not only following their letter of requirement to remove PMI of proving ration less then 80 % But this also proves and follows the same law as explained in The Homeowners Protection Act of XX/XX/XXXX. 

On XX/XX/XXXXI called Wells Fargo to have the PMI removed after completing the paperwork and information they requested. They stated a new letter was sent requiring me to pay {$4000.00} ( approx ) to remove it or hit a LTV of 75 % or less. Which conflicts with the original letter and also goes against the law of the Homeowner Protection Act of XX/XX/XXXX. They are not only practicing unfair and illegal PMI charges but are going against their own letter of information on how to remove PMI.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I had an account with fifth third bank in XXXX and XXXX. I overdrafted my account but had the money in savings. They charged me late fees upon late fees then finally took the money from savings. I told them that they cant charge the late fees and overdraft fees when the money was clearly in the other account. They said that they could. I told them to close my account and they said they did. They did not and kept charging me overdraft fees and all other fees. I had to go again and tell them to close it. I was then informed that my total in late fees were now XXXX and something. I told them no you need to look into this and figure out what is going on. I have been talking to the bank about it and nothing has been done. Now i have a lawyers office calling and threatening to report me to the banks so i can no longer have a bank account and to garnish my wages.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

In late XX/XX/XXXX after receiving my homeowners insurance renewal policy from XXXX XXXX the policy premium had increased over {$800.00} a year. I contacted my agent who quoted me through XXXX XXXX XXXX at a rate of {$1400.00} a year. I changed policies. I notified Homepoint via phone not to pay my XXXX renewal and was advised to send an email with the new declaration page. I did. However, Homepoint paid the XXXX policy and then also the XXXX XXXX policy. I received the refund at my home address from XXXX for {$2300.00}. I contact Homepoint and was advised to transfer those funds to them which I did electronically with check over the phone XX/XX/XXXX. The agent I spoke to said she would request an escrow analysis since there was over an {$800.00} difference in the insurance policies that I would be due a refund from my escrow. I waited almost 2 months before contacting Homepoint again. I called the end of XXXX - the XXXX I believe - and was told the matter was closed as of XX/XX/XXXX and no refund was due to me. I went through the numbers with the agent on the phone, she agreed and said she would escalate it to a manager. I called again on XX/XX/XXXX after not hearing anything from Homepoint and  was told it was set for a resolution on XX/XX/XXXX. I did not hear from anyone. I called again today XX/XX/XXXX and was told I am not due a refund. The math is as follows : My current escrow balance is {$1000.00}. My escrow obligation each year is {$1400.00} for insurance and {$1400.00} each cycle for taxes making my obligation {$4300.00} a year. They are currently posting {$350.00} of my {$1100.00} payment to escrow. With a current escrow balance exceeding {$1000.00} my escrow is well overfunded for XXXX and I would be due a refund under RESPA. I stated that to XXXX ' the agent I spoke to today and he stated I am incorrect.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Citibank blocked my XXXX XXXX credit car. I can not verify charges. They keep lying that they sent verification letter. I have never received any verification letter. These guys are chronic XXXX.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (WA)

I have wired {$3400.00} from my account in Chase Bank on the XXXX of XXXX to my cousin XXXX XXXX in XXXX XXXX. The receiver account details are the same and have not changed. I have wired money to him before for family expenses and he always received the money within a week. Chase debited money from my account on the XXXX along with the wire fee and told me that they sent the money. Up to this day on XXXX, my cousin bank never received the money. My cousin did not receive the money and my cousin check again today and they did not received the money. I called Chase and they said that the money was sent to XXXX bank for transfer. I am asking that Chase refunds my money and credit my account because the money was never sent to the XXXX XXXX XXXXXXXX.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NY)

PayPal improperly debited my account {$1400.00} in a case where I sold a canoe on XXXX. Item was clearly advertised as local pickup/no returns. Winning bidder was notified that he could pickup canoe personally, or arrange pickup/shipping in accordance with XXXX/PayPal policies. Buyer was notified in writing that my responsibility would end at time of pickup at my residence. Buyer arranged for and paid for pickup via XXXX XXXX on XX/XX/2017. Canoe was damaged in transport, and Buyer refused final delivery from his own shipper, then filed a claim against shipper and PayPal. PayPal awarded Buyer refund of {$1400.00}, then debited my account PRIOR TO hearing my dispute. PayPal user agreement states that Buyer is NOT entitled to a claim when he/she picks an item up in person OR arranges for item pickup on their behalf. XXXX agrees with my claim.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (TX)

Apparently a credit card company sold my debt to XXXX XXXX XXXX sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.
Consumer complaint received 2019-11-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I do not want my name, address or state published. My wife and I are members of Navy Federal Credit Union 37 years now, I am retired XXXX, and 100 % XXXX with the VA for XXXX and other medical ailments. in or about XXXX my wife and I got way over our heads in dept and had to file bankruptcy. Navy Federal Credit Union was one of our creditors that took a loss. From XXXX to XXXX Navy Federal has told us we can only have a checking and savings accounts, no visa, no loans of any kind! In XX/XX/XXXX we found out about the VA XXXX loan refinance which would have been great as our present loan was at 4.625 %. We contacted some banks to get the lowest rate well Navy Federal Did? 2.7 %, at 2.5 points, Balance on our present loan was {$400000.00}, Navy Federal said we did not need to pay any money upfront all would be rolled into the loan so the total we had to refinance would be {$420000.00}. My wife and I asked several times over the past 30 days did Navy Federal Change its policy IRT members declaring bankruptcy and Navy Federal taking a loss? We were told yes? We filled out all paper work submitted it, we received notification that our POC in the loan dept was? we contacted the individual and received an out of office reply that he just started his two week vacation? So after complaining we were assigned a new individual, we worked with him for the remainder of the 30 day period and he was a supervisor, he informed us around the XXXX of XX/XX/XXXX that we would close on XXXX XXXX XXXX up until XXXX XX/XX/XXXX my wife and I heard nothing further on closing, so we contacted our NFCU loan rep and he stated we are still waiting for your mortgage company to send us the payoff amount? We will have to close sometime next week? So XXXX XXXX to XXXX XX/XX/XXXX we hear nothing? then on XXXX XX/XX/XXXX at XXXX in the afternoon our NFCU loan rep calls us and says after our underwriting did a final check a red flag came up on your account that 22 years ago Navy Federal Credit Union took a loss when you filed bankruptcy and it is NFCU 's policy that we can not make any loans due to prior loan loss. so I told the NFCU rep we were totally disgusted and have been led on by the banks inattention to detail, Providing my wife and I with a false hope of getting an IRRRL loan for over a month, we fully disclosed everything about our bankruptcy, but the banks excuse is we apologize it was an unfortunate oversight on our part? My wife and I both have credit scores at or over XXXX!!!
Consumer complaint received 2016-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KS)

In short, for years XXXX XXXX, and now Naivent have refused to process my unemployment deferment request as per our contract, stating that the State Of Kansas must change the format of its Unemployment Benefits letter to fir XXXX XXXX Navients needs. While the letter includes my name, address, SSN and DOB, it does not include the " XXXX '' after my name. Their claim is that there could be a different person with my name, address, SSN and DOB, and therefore they refuse to process my unemployment deferment per the terms of our agreement. This has added XXXX dollars in interst to my loans over the years.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

This is not a duplicate dispute new information ... XXXX XXXX and XXXX Bank are both reporting incorrect information regarding an account on my credit report. This account was paid in full and should have never been sold to XXXX XXXX.
Consumer complaint received 2015-12-22
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX XXXX in XXXX XXXX was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of {$1200.00} on a {$400.00} loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of XXXX contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted over my recorded work line that this debt wont be reported and I wont be subpoenaed to court. In 6 years this was the first contact I 've had with the Cash Store since speaking with the local branch manager. I learned my lesson but feel that The Cash Store should absolve the debt now. The current balance the collections office called asking for was {$2100.00}. 5x more then the borrowed amount. This is just insane
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

On XX/XX/XXXX, we attempted to use our Elan Financial Services credit card to pay our veterinarian approximately {$150.00}. Not only was the card declined but the vet told us that it was declined for potential fraud. The credit card company had suspended the card because of an attempted charge of {$39.00} for a recurring monthly service that the said " they didn't like '' on XX/XX/XXXX. I am livid that the card company froze our account over a charge for a recurring service that we have been using for at least 4 months. Even worse, the company reported " potential fraud '' to the vet. That is extremely embarrassing and bordering on libel.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (KY)

The original debt was from XXXX, for ~ {$68.00}. 

They sent RPM ( Receivables Performance Management , LLC ) the debt. I settled with them and paid an amount of {$40.00} ( two payments of {$20.00}, ending in XXXX XXXX, 2017 ). 

Now XXXX is trying to collect the remaining amount ( ~ {$28.00} ) through XXXX XXXX XXXX, because RPM did not inform them the account was closed, instead choosing to falsely send the remaining balance back to XXXX despite telling me the account was closed and paid. 

I can not get Windstream to contract RPM, RPM to contact or send verification to XXXX, or anyone to talk to XXXX. 

I have a letter from RPM confirming the debt was paid in full. XXXX will not accept this letter from me, and RPM will not send it to XXXX. 


Attached is the letter from RPM verifying the account was closed in XX/XX/XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have contacted three credit bureaus XXXX XXXX XXXX I also called the company that worked in my credit report that I never gave any authority to run my credit or any information of mine I've also sent a letters in regards to getting it dispute and getting it removed from my credit report but I've not had any answers or any help with this it's a continuing thing that it's been on my credit report and I have complained over and over that I would like it removed because it's not me or I'm not giving anyone the authority to even run my credit in any type of formal way it's very difficult at this time to even apply for a loan because I'm not getting approved at whatsoever I've never had anything under my name I've never owned anything in my life and I'm trying to build that so one day I can get qualified for a loan so I can build my credit no one is helping me how am I supposed to get a credit card when I'm trying to build myself up and this is affecting my credit by all the inquiries on my credit report close accounts that don't belong to me and etc
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (MD)

I am hereby demanding any accounts displayed below be removed from my credit report immediately as they are not authorized to be there. Attached is my Copyright Notice and Power of Attorney Notice for your reference. These accounts are fraudulent I have sent notice to each creditor to answer the fraud and each creditor has remained silent. Any credit agency reporting them are in violation of the law and are at risk of a lawsuit : XXXX XXXX # XXXX XXXX XXXX-ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT ending in XXXX and XXXX XXXX XXXX/ XXXX ACCT XXXX XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX ACCT ending in XXXX XXXX -ACCT XXXX