davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Recently, I received a copy of my credit report. The credit report showed a credit inquiry by the companies listed, and that I do not recall authorizing. I understand this should n't be allowed to put an inquiry on my file unless I have authorized it. I have written Capital One Bank to have the inquiry removed from my credit file, but received no response. I have sent the complaint letter certified mail but I received no response to this issue. I kindly asked the Capital One Bank to forward me documentation that I have had on file or removed it all together. The creditor did not have authorization to inquire into my credit report as a breach may have taken place and my social security # has been compromised. 

Capital One Bank did not bother to respond or provide documentation that a credit inquiry was authorized by me. I am complaining about the deceptive and unclear authorization form supposedly I received to acquire such inquiry. The creditors have ignored my challenge which I sent Certified Mail Return Receipt Requested and kept track of the time that I sent the letter. By law if the inquiring creditor does n't respond within about thirty days. I have ample grounds to demand some action. At that point, it 's almost irrelevant whether or not you authorized the inquiry. This has becomes about the creditor 's lack of response to a consumer dispute. I am holding my grounds and demanding that the inquiry be immediately removed. 


I XXXX XXXX give permission and consent to the Consumer Financial Protection Bureau to obtain all XXXX credit reports to verify credit history. 

RESOLUTION : Would be to remove the inquiry or suppress by law.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Propel, Inc. (LA)

On XX/XX/XXXX I filed a dispute against a company that charged thousands on a debit card of mine while I was incarcerated. I was advised on XX/XX/XXXX that it was denied due to it being done by an authorized user. I HAVE NO AUTHORIZED USERS ON MY ACCOUNT NOR HAVE I GIVEN ANYONE PERMISSION TO USE THAT CARD
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc. (VA)

Midnight Velvet is reporting an account on my credit report with account number XXXX. They are reporting inaccurate information between all XXXX credit reports. On XXXX and XXXX they are reporting a balance of {$140.00} while on XXXX they are reporting a balance of {$4.00}. Then on XXXX and XXXX they are reporting a past due balacne of {$80.00} while on XXXX are reporting a past due balance of {$4.00}. On XXXX and XXXX they are reporting the last reported date as XX/XX/XXXX while on XXXX the last reported date is XX/XX/XXXX. This account was also disputed several times and they failed to mark this account on my credit report as disputed which is a violation of the FCRA.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Consumer complaint received 2016-09-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In preparation of foreclosure, Bank of America stopped paying the XXXX portion of the hazard insurance. As a previously MHA HAMP modified home loan mortgage account guidelines require the establishment and continuation of an escrow account for the purposes of ensuring the payment of property taxes, hazard insurance and natural disaster ( acts of God ) insurance as appropriate. Appropriateness is indicated when natural disaster property insurance is offered by the state. In this instance, the state of California offers earthquake insurance for interested homeowners. Bank of America incorrectly and improperly effectively cancelled the XXXX property insurance, without the borrower consent, when it refused to continue to pay the XXXX portion of the hazard insurance for the property as Bank of America had been doing before simply stopping when deciding to move forward with foreclosure.
Consumer complaint received 2017-05-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (UT)

After  graduating  from  XXXX , Navient was supposed to consolidate my loans, they did n't. I agreed to auto payments until they took multiple payments monthly and then send delinquency notices.  XXXX  returned {$1800.00} t hat Navient had  no record. After draining my bank account I cancelled auto payment. Then  XXXX  took over my loans. While on  IBR  my payment jumped from {$70.00} to {$270.00} because my income increa sed $    XXXX  . I 'm terrified to submit my    2016  taxes because my income doubled. A rep from   XXXX   XXXX    said the DOE terms are payments are based off gross pay. I went to the site and they lied. Despite making payments,   XXXX   was STEALING from my savings. I cancelled auto pay  X /2016 but they kept stealing. I had to call my bank and make sure  XXXX  ca n't auto debit. Ive tried to disput e $    XXXX    pa id to  XXXX  because they did n't provide the program I was adamant from the beginning I wanted and I have NO degree. I try to repay, these loan providers make it nearly impossible.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

I no longer can get my tax information or access my loan information online with Coldwell Banker Mortgage Company. I reached out to get someone to help me from Coldwell Banker, and they were unwilling to do so! They told me they could mail the information to me, but I have never received a single document via mail from them?? The told me they could fax me my mortgage tax information, but I do not own a fax machine. I own a PC with a printer and they refused to email the information because of their security policy! 

I have had a mortgage with this company for over 6 years, not 1 late payment! Yet they refuse to help someone who needs information to file their taxes! They changed all of their website information ... now you login in and you are directed into circles! 

I 'm at a loss ... please help!!
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (MI)

I XX/XX/XXXX I contacted XXXX at the XXXX XXXX XXXX talk to a representative around XXXX or XXXX oclock in the XXXX. I was having problems with my XXXX. I have XXXX through XXXX pay them and had issues with getting into my user ID and my password well one of the guys I talked to who was from XXXX gave me a phone number for XXXX, XXXX they said that was XXXX I called. They said they needed to do verification so they called my phone and they asked me to answer the other line which I did and while she was asking me some questions she told me That I would get a link later that would show me my username and my password. I never got it and the next day I looked at my bank account and I was - {$300.00} they hacked into my account to my XXXX card with my XXXX account which my debit card was on there and so, they cashed XXXX individual XXXX cards for {$100.00}. They emailed them to a different email as well as my address but my address showed they were still there. I didnt think they cashed them that day so I changed my password but they had ended up cashing them in to my branch manager on the first his name is XXXX XXXX He told me he would file a claim and I called card services told them about my card. They told me to cut it up. They would give me a new one and so since that day, the bank paid the {$300.00}, and then all of my purchases came through and the bank has charged me XXXX  overdraft fees for {$36.00} and for every day my account is negative. They are charging me an additional XXXX dollars and theyre doing an investigation. She told me that the account that they said no and I said thats incorrect because I just received a letter dated for XXXX and they told me case number XXXX card ending XXXX XXXX XXXX XXXX XXXX XXXX a XXXX dollars XXXX XXXX a XXXX dollars XXXX XXXX a XXXX dollars dear valued customer we received a dispute from you on XXXX XXXX totaling XXXX XXXX including the following transactions if we are unable to make a decision within the next XXXX  business days, we will provisionally credit your account for the transaction dispute while we continue to investigate. Please keep in mind that the investigation can take up to XXXX  days, and then it gives a number to call. I called them talk to the girl and shes the one that said it was no I was extremely upset and there is no reason that this should not be considered fraud. I did not give permission for them to use my card I didnt even know they were hacking my card. XXXX has confirmed that the numbers were both the one number was fraudulent, but it was linked saying they were XXXX  XXXX  is not gon na do anything. Bank is not doing anything and I dont know what is going on with my account services said one thing and she couldnt even file number or case number and I need help with this because all my account is tied up and theyre taking advantage
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: STERLING JEWELERS, INC. (TX)

I get calls from unknown number asking me to verify my information. I requested to know who is calling and regarding what. They would not give me information without verifying my personal information. The first person who called by the name of XXXX XXXX claims to be calling from the XXXX county office she states that there is a case filed against my daughter and are attempting to serve papers. They asked me to call XXXX and ref # XXXX. I called this number and asked what business is this they said XXXX XXXX they are talking about a debt which I owe Jared Jewelers {$300.00}. I informed them I have not received any communication can you send me the information by mail which they are refusing and stated that the matter needs to be resolved within the next hour and over the phone by paying {$890.00} or making payment arrangements of XXXX installments of {$310.00} or they would file a case. this i was informed by XXXX XXXX XXXX 's when I called over the phone to get further information. They are refusing to give their organization address or to send proper information regarding the debt. On this same debt we had threatening callings before a year back and now they have started again. They said we will serve the notice at my daughter 's work place. Which this information was not provided to them. They call blocking their numbers and leave messages. This debt does not even show on my credit report. Need your help I feel I am getting scammed by this people. The harassment needs to stop. 

The original creditor contacted me when I was behind and I explained the situation at that time I was going through. After that the original creditor never contacted me.
Consumer complaint received 2016-05-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc. (AZ)

I was contacted on behalf of XXXX by ARS National Service to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to XXXX and not ARS National Service. I had ARS specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of ARS National Service '. I still have not received confirmation from XXXX that my balance was settled and paid in full with them.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (MD)

AMSHER IS A THIRD PARTY COLLECTION AGENCY THAT HAS violated my privacy rights and they also violated rights under federal protection under the FCRA 15 U.S.C 1681. By reporting my information to the credit bureau company contact which is unlawful in resulowering my score and hindering me from getting new loans and credit cards. I also have audio recording of the company 's reps being very disrespectful. Third party reporting is unlawful and illegal ( especiallywithout consent ), this will result in legal matters. 
I do not consent to any companies collecting my information and selling it for their own use. Nor did the company 's notify me about reporting which is also unlawful and illegal.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Consumer Portfolio Services, Inc. (AL)

My car is financed through a company in California called CPS. I have had my car for a year and a half and they are not reporting it on my credit at all. I told them they can come get it since they will not report to credit like they said they would and they told me that if I did n't pay it than it will go against my credit. So I pay my payments every month on this car but if I do not pay them than they will put it on my credit. This is not right what this company is doing. Something needs to be done about this. I only got this car to build my credit score up and now it is not even being reported to the credit bureau.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had my credit report pulled on XX/XX/2017, on that date I was showing a 30 days late for XX/XX/2017. I submitted a dispute and the credit bureaus said it is resolved but as of XX/XX/2017 it still shows a late. How on earth can I be 30 days late for XX/XX/2017 when we were on the XXXX day of the month.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Last month I sent a certified letter to Experian to dispute an Account # XXXX currently being serviced by XXXX XXXX XXXX XXXX company. I filed a complaint with the Consumer Financial Protection Bureau against this company back in XXXX of 2015 complaint # XXXX. CFPB sent my complaint to XXXX XXXX XXXX on XXXX XXXX, 2015, and was suppose to get a response from this company within 15 days. Today is XXXX XXXX, 2015 and still no response. I filed a complaint with Experian Credit reporting agency and received their findings concluded that this account was validated by the collection company, but yet in still they have not responded to me or the CFPB. I am sure that Experian did not validate this account but from what I have read are friends with the owner of this collection company and are protecting this company interest. I want Experian to provide me and the CFPB with the validation information received from this company. And I want this account removed immediately from my credit records and confirmation of this sent to me immediately.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Money Gram Transfer Issues - funds were never made available to the receiver on the disclosed date of availability. 

I made a money transfer through Money Gram on XX/XX/2022. According to the receipt, the transaction completed on XX/XX/XXXX and the fund will be available on my receiver account on XX/XX/XXXX. My receiver never received the money. I filed a complaint and I waited almost 90 days for the resolution. On XX/XX/XXXX, their investigation team made a conclusion that the error in fact occurred. Conclusion After completing our investigation, we have determined that an error may have in fact occurred with your transaction. We apologize for the delay in the funds being made available. Our records show that the transaction was successfully received on XXXX XX/XX/2022. As such, you are entitled to a refund of the transfer fee paid with this transaction, which was $ XXXX.They only refunded me the transfer fee which is {$0.00} because it was my first time using money gram and they have {$0.00} transfer fee promotion for the first time user. 
I was not happy with the resolution. I emailed their customer support and when called, they have put me on hold, transfer me to one department to another and told me that my case was closed. There is nothing I could do and to put another complaint and wait another 90 days. I put in another complaint on XX/XX/XXXX and never received any notification regarding the complaint except the confirmation email saying theyve received my complaint. And it has been 15 days since. I call again today and was put on hold, transfer from one department to another department again and again. I asked them to transfer me to the resolution department but my request got denied. I emailed them but no response back. I can not get to anywhere. This is frustrating.

I called and emailed them saying this have a proof of both me and my receiver bank statement from the month of XXXX. Money Gram took my money out but my receiver never received the funding. Their customer support can not help me with anything except putting me on hold and repeating the resolution. I would like to put a complaint against Money Gram. I believe I am not the only customer that being ripped off my this company. Thank you.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Yes, I have disputed this issue to the credit reporting companies and also written to the collection agency that placed the information on my credit report. Three times I have written to the collection agency with no response. The collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX and the negative collection is reflected on my Experian and XXXX credit reports. And based on what little information I 'm able to gather from the XXXX reports it has something to do with XXXX. The fact is I have never purchased XXXX service. I would like this matter resolved or information regarding this service so that I may resolve it myself. I have been a victim of identity theft and this may be another account that I have to get cleared. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Comerica (TX)

A repetitive problem that has resurfaced over and over again. 
when the branch was confronted with the Service fees of {$18.00}/ for 6 months that i was aware of. Back also claims they can only go back 6 months. 
Bank is wrongfully charging customers and those that fail to sport these inaccurate charges within 90 days will have just been ripped off by their financial intuition. 
this is not the first time this has happened but will be the last with Comerica. 
There is over XXXX in these few accounts
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We have automatic payments that come out of our XXXX to pay a Bank of America credit card monthly. We recently sold a home and decided to pay off the Bank of America credit card, not with our XXXX account, but with another account XXXX. We went online, changed the bank to XXXX and submitted the payment. This was on XXXX XXXX. The next day our XXXX account was debited for {$11000.00}. This left us {$11000.00} overdrawn since we only had {$300.00} in that account. We called Bank of America and explained the situation, they could not say why the funds were taken from the wrong account. They cancelled the payment and told us it would take from 2-9 business days for them to return the funds. Nothing was or is overdue, our account was up to date. We then called XXXX to explain the situation, they were willing to wait for Bank of America to return the funds. Luckily Bank of America returned the funds ( XXXX ) the next day on XXXX XXXX along with the {$40.00} fee for NSF. We thought the problem was taken care of. On XXXX XXXX they resubmitted the debit to XXXX for XXXX. Their reasoning was that their system is automated and automatically would try to retrieve a prior payment with NSF. However XXXX paid the charge the first time so it was n't as though the system would recognize it as not paid. Today is XXXX XXXX, there have been 3 phone calls and countless hours. They promise that they will return the funds to our XXXX account within 2-6 days. We had to call XXXX again and repeat the same process. They have sent us a complaint form which we will fill out this evening.
Consumer complaint received 2017-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Good morning Our home is located at  XXXX   XXXX   XXXX .  XXXX  The loan was transferred from  XXXX   XXXX   XXXX   XXXX  to  Litton then To Ocwen. This  was not documented in the Court.   During the Transfer the Incorrect amout was documented.   We have asked  Ocwen for the correct amount that was Transferred And they wo n't respond. Ocwen did not attend the Chapter   XXXX  Hearings in  XXXX . They did not start enforcing the amount until  XXXX . We questioned the  Statute  of Limitations for collection of The debt, they would n't respond. I have been in  XXXX   XXXX  for 25 years. I have never done anything wrong. I have been in my Home for 20 years and would like to remain in it but would n't Like these issues satisfied. I am in  XXXX    XXXX   and will not have An income until  XXXX .