davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

In XX/XX/2019, XXXX bought my mortgage from OCWEN. The problem that exists is that PHH is failing to make appropriate escrow disbursements that have resulted in an escrow shortage. Now, I don't understand how this  happened since my first payment was on XX/XX/2019, under the new servicer ( PHH ). Secondly, I am real estate tax-exempt based on my VA rating by the XXXX of XXXX, Commission of Revenue office. I contacted PHH to request my refund for taking real estate tax payments from my monthly payments. PHH sent back notification that I had no refunds but was unaware of my exemption status although my previous servicer OCWEN had it on file. I don't trust PHH is telling me the truth on my refund. Lastly, I'm upset that I can't get accurate  information on my mortgage balance. It seems I'm getting updates with account adjustments all of the time with increased principal balances without justification.
Consumer complaint received 2021-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

AmeriSave Mortgage did all the processes for my refinance but never was approved, they pull {$500.00} Dollars from my Credit Card on XX/XX/2020 for services that I never received. They want us to pay at Closing almost {$7000.00} Dollars for Closing costs to receive a low interest, we pay the {$7000.00} that AmeriSave was asking for closing costs on the existing Loan we have and my existing loan we be pay in five years. We call AmeriSave and Cancel the Refinance and they agreed to send me back the {$500.00} they took from My Credit Card but they never did. 

We still waiting for AmeriSave to refund to me money they took from my Credit Card for services we never received.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I was informed by XXXX XXXXXXXX that Equifax is reporting a credit score of XXXX with multiple inquires and delinquencies which is false. Attached is my score as of today. Equifax supplied a report for XX/XX/2021 in which reflected fraudulent accounts and errors that I have disputed numerous times and supplied countless amounts of evidence for and it's still being furnished on my record.
Consumer complaint received 2021-06-07
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: Kashable LLC (MI)

I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671 days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.
Consumer complaint received 2020-01-25
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019, I was laid off of work. I contacted Wells Fargo Mortgage Department and said I may have some trouble paying XXXX mortgage. THEY offered me a 6 month grace period. THEY SET THE TERMS. I agreed to THEIR terms. 
During the six months, I made one payment. THEY CONTACTED ME and said if I make ANY MORE PAYMENTS THEY WOULD WITHDRAW OUR NEW AGREEMENT. 

After 6 months THEY restructured my loan. I WENT BY THEIR AGREEMENTS. 

Now they just reported that I am 5 months delinquent on my mortgage. THEY REPORTED THIS AFTER WE SET UP A NEW PAYMENT SCHEDULE!!! My credit dropped XXXX points. 

PLEASE HELP!!!
Consumer complaint received 2019-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (NY)

I've signed up with Ameritech Financial since 2016 and been making payments every month. I received a letter last XXXX stating that the company was closing. I paid at least XXXX grand towards my student loans just to take notice that my payments weren't even going to my loans. Now I lost all that money I paid out to start all over again on loans that I could have maybe been finished with paying off. This is really not fair and too much money has been wasted. I would really like my money returned to pay towards my loans.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist arbitrarily placed a fraud flag on my account without alerting me. As a result, I can not make payments or withdraw cash using this account. In effect, they are stealing my money. Apparently, this hold on the account has been in place for weeks. They have been taking days to remove the fraud alert and meanwhile the account is " closed for posting ''. I have spent hours between phone calls, branch visits and online chats trying to resolve this without success. They keep telling me that they reached out to someone to ask them to remove the fraud alert. It's been days and they haven't removed it. Additionally, they owed me a {$500.00} promotional bonus that they have not paid me because the account was closed for posting. Fix these things now. This is a crooked organization run by criminals. We need accountability here.
Consumer complaint received 2020-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has not applied full payments in the amount due that were made to my home equity account. I have been trying to get this resolved since XX/XX/XXXX with multiple calls to their customer service department. Each call ends with the representative acknowledging the error & stating that it will be corrected. To date it appears they have made the matter worse and my account now reflects over {$4000.00} in past due payments. All payments have been made as agreed and i am not sure what else to do to have this corrected. I had wanted to refinance my first mortgage but a requirement is to verify that the last 3 mortgage payments have been paid on time which they have but since this is not reporting correctly i would be unable to proceed. My payment history is below and i have attached the transaction history for this account from my online banking portal. 

XXXX payment amount : {$1500.00} paid on XX/XX/XXXX XXXX payment amount : {$1300.00} paid on XX/XX/XXXX XXXX payment amount : {$1100.00} paid on XX/XX/XXXX XXXX, XXXX & XXXX deferrment period XXXX payment amount : {$1600.00} paid on XX/XX/XXXX XXXX payment aount : {$1400.00} paid on XXXX Not only are they not applying the payments i am being charged interest on a principal balance which is incorrect. Your assistance would be greatly appreciated as this causing financial & emotional stress.
Consumer complaint received 2018-02-09
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. (IN)

I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XX/XX/XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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. (IL)

I have been filing a dispute on several occasion and numerous of times of the same complaints. XXXX and Experian has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (IL)

My American Express personal savings account was debited for ( {$4800.00} ) on XX/XX/XXXX. I did not authorize this transaction nor have I ever personally owned a credit card with XXXX. I noticed the fraudulent transaction on XX/XX/XXXX at which point I immediately called American Express to notify them and begin the dispute process.

I received a letter from American Express dated XX/XX/XXXX indicating they would not refund me the {$4800.00} because " based on their review of the information, no bank error had occurred ''. I've since made several calls to American Express to request additional information & documentation on how they arrived at that conclusion, and each time I demand to speak to a supervisor on the issue they've told me someone from " business operations '' would call me in a specified time period to explain to me why I wouldn't be refunded my money. I still have not received a call from AmEx " business operations '' within any of the time periods I was told I would receive a call within. 

Today I called them again to demand information because I didnt receive a call as promised, and I was told AmEx is sending me a letter in the mail indicating why they will not be reimbursing me for a transaction I didn't make. This is strange because AmEx refunded another fraudulent transaction on my account - the other transaction in question was an online payment to an AmEx credit card which I've never owned an AmEx card either. I believe American Express is intentionally trying to make it difficult for me to get confirmation of what's going on with my dispute in the hopes that I give up and AmEx will not have to refund me my money that I'm rightly due. I'm terrified that they've taken advantage of other consumers that may have less persistence than I have.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Century Credit & Collections, LLC (CA)

XX/XX/XXXX at XXXX got a collector bill on a medical Bill 's I had not seen. Called and left a message with my phone number to call me back. I had not heard from them regarding this bill. It's the XX/XX/XXXX I still not heard from them.
Consumer complaint received 2020-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Since XXXX of 2019 Chase decided to took money from my account. Chase claimed that I signed under my son account and whenever my son has overdraft chase has to take money from my account to cover his overdraft fees. Recently Chase told me I had a minus on my account. On XX/XX/XXXX I withdrew XXXX XXXX dollars from my account. My account had XXXX dollars left. Prior to the withdrawal I made a purchase at XXXX and bought a cup of coffee. Chase saw that purchase. The purchase was {$1.00} cents. After I made the purchase and the withdrawal, Chase took the whole XXXX dollars to collect my son overdraft. They did not pay for the transaction of {$1.00} cent. For about 5 days I had a minus of {$1.00} cents on my account. When I've decided to file a complaint against them., Chase collected {$18.00} cent from my account but I had a minus in my account. So where does the {$18.00} cents come. It is a miscalculation by Chase. If Chase can make a miscalculation once, it can happened before. I have asking them for verification of signature of my son account because my son is not a minor anymore. I am not responsible for his account. I also need chase to stop taking funds from my account to cover my son overdraft. I am asking for chase to investigate every transaction from the date I opened my account until now. Since there was 1 miscalculation, there could have been more
Consumer complaint received 2023-04-04
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express cancelled my account without any communication in XX/XX/2020 because I was not able to use the card during the Covid 19. I have XXXX reward points which worth more than {$800.00} was deleted from the account at the same time.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is a huge mistake by Kohls company. I was shocked when I reviewed my credit report Today and found late payment for 30 days for this month XXXX XX/XX/XXXX ). When I went to Kohls in XX/XX/XXXX, I was advised my cashier to open a store card with them, and she guaranteed that I was going to receive the statement at home within a month. I've called your customer services several times asking them to send me the bill and I haven't received it. 


I am not sure how this happened, but I thought until later that i had made the payment. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I drove down to a local store and talked to the same rep today and as you can see i made FULL payment in-person. Please see the attachment receipt.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

Beginning XX/XX/2013, Ex wife, ( XXXX XXXX XXXX ) was encouraged to stop paying on house mortgage in order to qualify for a Loan Modification. Chase Bank completed a loan modification initiated by my former spouse without prior written notice or authorization by myself as the primary on the note in XX/XX/2013. 
In Loan Modification section marked ... My Representation on page 2 item C reads : " There has been a no change in the ownership of the property since I signed the loan documents. '' Original Loan and Title was taken / placed in both of our names, both signed loan documents, so statement she signed as TRUE in my representation on page 2 item C, is NOT true. 

If a Quick Claim Deed gives her all interest in the property, the ownership did indeed change from both of us to just her, making the above statement FALSE ( see My Representation page 2 item C ) because ownership of property did change. 

I have been unable to obtain a response from Chase Bank as to why this loan modification was permitted to happen without notifying the primary borrower ( myself ). As I am responsible for paying part of monthly payments. ( bank statements of payment are available if needed ). I feel I should have been involved in the process as I am co-owner on the property. See enclosed divorce decree. 

Loan modification was completed by Chase Bank with my ex wife without my knowledge or signature. My name appears only on the mailing page. Ex wife SIGNATURE is only one found anywhere on the loan. 

The Company involved is JP Morgan Chase Bank with my ex wife, XXXX XXXX XXXX ( XXXX ) and myself, XXXX XXXX.
Consumer complaint received 2021-06-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had certificate of deposit and money market accounts with CapitalOne. 

For filing my taxes, i needed 1099 INT form from the bank since i didnt recieve the hard copy on the mail. 
The online problem is now showing any statements even though i earned interest income. 

I called in their customer service. management teams several but it seems they an issue going on with their system leading of No tax statements generated online. 

Even after several escalations, the problem persists. This is serious as I am unable to file my taxes accurately & report this income.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IN)

L J ROSS ASSOCIATES IN is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX   out and the contract has been satisfied. This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then L J ROSS ASSOCIATES IN has no claim. I hereby irrevocably refuse to consent/contract to L J ROSS ASSOCIATES IN agencies because there is no law required for this consumer to do so. Until L J ROSS ASSOCIATES IN agency can provide a lawful authority by which this consumer is subject to comply with submitting to any debtors collections or jurisdiction in violation of my rights to be free of involuntary servitude. This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) L J ROSS ASSOCIATES IN is hereby warranted to Proof of Claim in Arbitration.
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.