davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I responded to a sublet ad on XXXX on XX/XX/2022 and received a response from a man named " XXXX XXXX '', reporting to be the tenant of the apartment for sublet. I was told by " XXXX XXXX '' that he leases the apartment from the owner, " XXXX XXXX '' and he is currently traveling as a traveling nurse and was looking for tenants to look after his place. This person provided his passport photo and many pictures and information about the apartment, I was able to locate him on XXXX and it lined up with his emails. A neighbor through XXXX informed me that the XXXX advertisement was legitimate. I paid {$1000.00} security deposit through PAYPAL to the landlord " XXXX XXXX '' on XX/XX/2022, with a text response letting me know I would receive the keys and payment receipt and an accompanying email from " XXXX ''. I received neither and stopped receiving messages from " XXXX '', however, " XXXX '' continued to email with me, until I went to the building on XX/XX/2022 ( despite being told I would not be able to go inside ) and saw that the actual tenant was named XXXX XXXX, with whom I confirmed that I had been scammed by " XXXX '' and " XXXX ''. 

PayPal declined to resolve my complaint after I learned it was a scam/fraudulent transaction. 

The money was transferred via scam through PayPal and I demand a refund immediately from PayPal.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

This problem is with Experian. They are reporting several accounts negative and balances incorrect. I do not believe they are verifying the information at all because if they were these negative accounts would have been cleared up. My XXXX  account has me negative 4 times the remark is i had a late payment. if they actually verified the information they would know i did not have a late payment i had a partial payment and have never been late. My XXXX  credit card account is being reported with the wrong balance and not saying closed and paid in full. My XXXX XXXX account is still saying I had two missed payments after the representatives told me otherwise. Yet and still Experian is not doing their job. Then their updating it which is causing it to remain on my credit even longer.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MS)

The original mortgage was held by XXXX XXXX XXXX. My monthly payment was {$650.00}. This loan was then transferred to Bayview Loan Servicing as of XX/XX/17., with an interest rate of 10,19 %. At this point. I requested a loan modification due to my inability to pay the note based upon my income. I am a retired person with a fixed income. I did reach out to HUD for assistance in developing a schedule of my income and debts showing my inability to pay this mortgage amount. After speaking with HUD representative for several weeks and sending the schedule requested, I was unable to reach the individual who was assigned to me. After many tries, I called the main # and that persons indicated that the assigned person was out ( sick leave ) I asked if they would forward the information on to Bayview, XXXX XXXX, Asset Manager, who was the contact person @ Bayview, working up the modification request. 
I am not sure if they used the package of information sent to them by HUD, even though it was sent. 
During the modification loan process, I was told that I did not have to pay the monthly note, those missed payments would be added to the loan when approved. I did not know that they would report the late payments to the credit Bureau which affected my credit score. It was my intention to get my credit score up to a point that I could qualify for an FHA loan with a lower interest rate. 
I have asked BayView to remove this from my credit report since the total deliquent amount was added to the loan which made my loan increase from {$36000.00} to {$40000.00} ( interest being added ) My other concern is that this loan is being secured by a home ( my house ) and 23 acres of real estate.. Secured by more than 3 times that of the loan. I have indicated to both XXXX and Bay View that I did have a description of my deed with house and 3 acreage, which would cover the loan. THEY WOULD NOT ACCEPT THIS!!!! 
This property is my inherited property from my Grandfather. That is the reason I had the surveyor to cut out three acres around the house in case I wanted to borrow against. 
Secondly, the 10.190 % interest is predatory
Consumer complaint received 2016-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (NC)

They call daily ( in the morning ) and sometimes multiple times during the day ( as late as XXXX ). Either they wo n't leave a message, they talk very suspiciously, or there 's complete silence on the line when I try to communicate with them.
Consumer complaint received 2019-02-22
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. (IA)

I had someone begin phone service in my name fraudulently in Arkansas despite me having never lived in Arkansas and only driven though it. I disputed the account with XXXX  and XXXX  over this. One immediately removed it from my credit report. The other I filed a complaint through your agency and it got removed. 

I didn't realize it was on my Experian report as well until I went and bought a car. I tried to dispute through them as well and they refused to remove it. They told me I needed to file a report with the police in the town where the event occurred. It turns out I need to physically go to Arkansas to file a report, something that is beyond my ability to do both time wise and financially. I explained to Experian and they refused to do anything. 

Thus I am filing a complaint. This is an attempt to have a collection removed from my credit report with Experian that was created due to fraud. 

The report number through Experian is XXXX Please let me know of any more information I need to provide in this matter and I will provide it if I am able. Thank you.
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

From XXXX XXXX, congratulations on paying off your student loan! 
In today 's world, it 's not always easy to manage debt, use credit wisely, and keep up with the demands of your career and personal life. But you 've done it, and we applaud your success.
Consumer complaint received 2016-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Name of Financial Institution against whom I am filing this complaint : Regions Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Names of Regions Bank employees against whom I am filing this complaint : XXXX XXXX, Mortgage Loan Originator, Vice President ( M : XXXX ; W : XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, Regions Mortgage ( W : XXXX, M : XXXX, XXXXXXXXXXXX ) On XXXX XXXX, 2016, I requested XXXX XXXX XXXX refund my credit card the {$420.00} for the Regions appraisal fee that was PREMATURELY ordered by Regions Bank XXXX Prior to the appraisal, XXXX XXXX assured me that the appraisal for a property I was pursuing would not be performed UNTIL the home inspection was performed and any necessary repairs resolved by contract between me and the seller. I also informed XXXX XXXX that I would not be moving forward with Regions Bank for my mortgage financing. 
Nearly ( 6 ) weeks have passed with very little or no communication from XXXX XXXX regarding my request for reimbursement, even though via email XXXX XXXX stated it was being processed and that he would check on the status of my request. Furthermore, ( 2 ) weeks ago I escalated my request to XXXX XXXX 's boss XXXX XXXX, but with no resolution, communication or reimbursement to date. 
Therefore, as a next step to get this matter resolved, and my money reimbursed, I am submitting my complaint to the Consumer Financial Protection Bureau. 
Thank you for your assistance!
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

On XX/XX/XXXX my husband and I lost our home to an EF-4 tornado in XXXX, KY. It was a complete loss. Our insurance company promptly issued us a check to cover the property. They issued us a two-party check, listing my husband and I, and LoanCare Servicing as mortgagee. The balance owed on the mortgage was {$35000.00}. The check was in the amount of {$140000.00}. We contacted LoanCare and per their instructions, we overnighted the endorsed check to the address they provided. LoanCare returned the check to us stating the was not endorsed. We then signed the check and again overnighted the check to LoanCare. We received confirmation it was received by LoanCare on XX/XX/XXXX. However, LoanCare did not apply the proceeds to payoff the mortgage until XX/XX/XXXX in violation in Regulation Z. Once we contacted LoanCare they further stated they would not release our funds until 15 days from the date of payoff ( XX/XX/XXXX ). On XX/XX/XXXX we received a check in the mail for {$1.00}. We again contacted LoanCare to inquire as to the reason for the {$1.00}. They stated this was for " overpayment interest. '' We need this payoff to be credited upon receipt of delivery as required by the law. Further, we expect our money to not be held hostage in this interim period as we seek to purchase a new home. We are also concerned there are other families that are also being subject to this unlawful treatment as a result of this life altering natural disaster.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

I bought my home on XX/XX/XXXX. NewRez/Shellpoint started the mortgage after re-finance on XX/XX/XXXX. I have been paying mortgage insurance ( PMI ) of {$140.00} per month. I requested the bank for PMI removal and the bank asked me to sign a letter authorizing an appraisal, which we sent them on XX/XX/XXXX. The appraisal amount came out to be {$860000.00} on XX/XX/XXXX. Since the loan balance was XXXX, the LTV is <75 %. But the bank denied our PMI request stating a set of generic reasons. We have been following up with the bank for 1.5 months to find out the reason for denial and remove the PMI. After 10 follow-up phone calls and 2 dispute requests, I got the reason from the bank that the PMI removal request was denied because " no substantial improvements were made to the home ''. They also state that the PMI would not be removed until XX/XX/XXXX unless substantial improvements are made to the home. I don't find this clause anywhere in any agreement documents, nor did I find anything from online resources. Also, substantial improvements sound very subjective and not well-defined. Also, I found from the documents that the bank should automatically remove the PMI when the LTV reaches below 78 %. Attaching " denial letter '' and " dispute response letter '' as provided by the bank.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent Transunion my identity theft information on XX/XX/22 they responded stating they are waiting on the companies to respond which can take 60 days. The Law stat that credit reporting agencies have to block all information reported within 4 business if the consumer identifies information that is a result of identity theft 15 U.S. Code 1681c2 consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. The information is still reporting on my report. Please erase and block fraudulent information.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I file a application for Citibank credit card. I was denied because they said I filed too many applications. The problem with that is I file XXXX applications with Citibank and was denied all 3 times. I feel that I am being discriminated againist because I am XXXX. Citi bank need to be investigated for there credit card practices approves others but denies XXXX. There practices are troubling to me because I am being denied because of the color of my skin. ca ; ; citi bank to complain and was still denied. They are not treating minority customers right and should be looked at.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

This is the second time Ive been locked from my Chase Business card account. Last time this happened, resolution required 12+ hours of active effort and two visits to a branch. Four calls and hours on the phone today later and I cant even make contact with a representative. The system employed to return calls or avoid hours on a droning wait line does not work. Chase makes it impossible to contact the relevant team, and can not escalate issues to any representative capable of resolving the issue. Chase wants you to spend hours driving to a branch and can not make investments in supporting costumers during a pandemic. This is a massive abuse of costumer faith, and is unacceptable.
Consumer complaint received 2015-05-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (CA)

I was a co-maker on the student loan with my son, XXXX XXXX. In XXXX 2015, I refinanced my home to pay of this loan in the amount of {$97000.00}. 
On XXXX/XXXX/2015, the loan statement sent by ACS gave a loan balance of {$96.00}, XXXX. I made a payment on XXXX/XXXX/2015 in the amount of {$97.00}, XXXX on this loan having refinanced my home. I now have received several calls ( XXXX 2015 and into XXXX XXXX, 2015 ) and bills dated XXXX/XXXX/15 ) stating I owe {$530.00}. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am very confused because the amount due on XXXX/XXXX/15 was {$96000.00} and payment of the loan through escrow on XXXX/XXXX/15 was {$97000.00}. Please help!!
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I, XXXX XXXX, sent a letter regarding inaccurate and unknown things on my credit report. I have also attempted on several occasions to make complaints with CFPB and they have knowingly closed the complaints without completing an investigation. Until this day, it has been WELL OVER 45 days with no response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items with 30 days, gives a reason to immediately remove these items. On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law to provide relief to consumers and businesses struggling during the COVID-19 emergency. Among other things, the CARES Act amended the FCRA to address furnishers responsibilities Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ). Generally, the amendment requires furnishers who provide a credit accommodation to a consumer affected by the COVID-19 pandemic to continue to report the consumers account or credit obligation as current. This provision ensures that consumers affected by the pandemic can obtain essential relief without jeopardizing their credit scores and their future ability to rent or buy a home, purchase a car, obtain a credit card or student loan, obtain affordable insurance, or secure employment. The reporting has to be up to date! No late payments are to be reported. It is rectroactive to XX/XX/2020. I demand that the late payments be removed from XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX XXXX- ACCT # XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IA)

I have called Navient several times over the course of the last few years to get help lowering my payment but they keep saying there is no way to do so. I 've been paying on my XXXX since 2004 and I have a child in college and am having a hard time swinging all of the payments. I 'm not asking for something unreasonable as I 've made payments of {$250.00} a month for years and never missed a payment despite my loans being transferred from the government to private companies. Just some reasonable assistance.
Consumer complaint received 2016-03-25
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CITIBANK, N.A. (FL)

XXXX XXXX filed a docket on me at the XXXX Couty court house XXXX XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo has been withdrawing {$100.00} each month from my account since XX/XX/2021 under the description WELLS FARGO & CO XXXX XXXX XXXX categorized as a other insurance/financial transaction. Ive never authorized this and have no idea what it could be. When I XXXX  it it says something about the XXXX. And, while I was an employee and did participate in the XXXX, any deductions were taken out of my earnings post-tax and were noted in my payroll voucher as such. I have disputed these transactions with Wells and they are looking into it but I do want to submit this in the event that anyone else is experiencing the same thing. This company MUST BE HELD ACCOUNTABLE for all of their extremely shady business [ and employment ] practices.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (TX)

1. I advised USBANK my card was expired and I needed a replacement by phone. Can not remember date, but on or about XX/XX/XXXX. 
2. Went online made second request on or about XX/XX/XXXX. 
3. Wrote letter to company to complain and advise I would be contracting this agency. Letter mailed about XX/XX/XXXX. Sent to Customer service at USBANK Reliacard XXXX XXXX XXXX XXXX, Mn XXXX. 

No one has contacted me to resolve!
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

TRANSWORLD SYSTEM INC/ reached out to me via mail on XX/XX/2021 about they own the debt and I needed to reach out either requesting to validate the debt or make a payment. I then received a call from said debt collector above on XX/XX/2021 and advised I was sending out a debt validation letter to validate debt requesting proof. I responded with a debt validation letter dated XX/XX/XXXX. Neither time from the letter I received on XX/XX/XXXX and call on XX/XX/2021 did the debt collection agency stated they was reporting this debt to the credit bureaus which they did on XX/XX/2021 especially since this was the first time I got communication from them. I was not given a proper time frame of validating the debt before it was reported to my credit report. This is unfair and violates my consumer rights of a proper investigation of any debt claimed to be mines. I have even reached out after the collection was reported to have them validate said debt and they did not provide any payment history with the original creditor or a copy of the original signed contract between the original creditor and debtor. They also did not provide an account statements from the original creditor or even n itemized accounting of how the total amount of debt was calculated including fees and interest. 

I even reached out to them multiple times asking for proof and they gave nothing that validated the debt to be mine.
Consumer complaint received 2023-03-17
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. (NV)

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance : {$280.00}.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX, XXXX, and Equifax have admitted to improper use of my credit report by removing multiple accounts and inquiries from my report but they refuse to accept liability by paying the cost of damages. I sent multiple notarized letters in XXXX and have yet to receive a response. They continue to pull my credit report without my permission and they report these inquiries or try to hide them as " soft inquiries. ''