davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (CA)

RoundPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX CA XXXX Short Sale Package was submitted to RoundPoint on XXXX/XXXX/XXXX. The offer price is $ XXXX. 

Finally on XXXX/XXXX/XXXX we were told that they were looking for a net of $ XXXX. The rep we spoke with sent a message to their negotiator, XXXX XXXX, to call us back by the end of the day to discuss. We were assured we would get a call by the end of the day. No one called us. In addition, the rep we spoke with did n't even know what XXXX was. 

On XXXX/XXXX/XXXX we sent an email to XXXX XXXX requesting a call back. No one called back or even responded to the email. 

On XXXX/XXXX/XXXX we called RoundPoint again. We were told that they had " approved the short sale with a net proceeds of XXXX ''. However, they are refusing to provide anything to support the net proceeds, nor will anyone in their company discuss this with us in any way whatsoever. 

1. RoundPoint is outright refusing to return any phone call whatsoever to the Authorized Third Party. 

2. RoundPoint is committing valuation fraud by overvaluing the property and not allowing a value dispute. 

3. RoundPoint is violating the ECOA guidelines by not providing a copy of the Appraisal/XXXX as requested. 


4. I 'm pretty sure they are also violating their servicing guidelines and Defrauding their Investor, considering that no one in the company knows what XXXX is, and they are committing valuation fraud, and everyone in the company is refusing to call us back or speak to us on this matter.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX and I am reaching out to remove the following information in my file. The items I need removed are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, in addition I have enclosed copies of the Federal Trade Commissions 's Identity Theft Affidavit. Please remove the items as soon as possible.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (WA)

The is a complaint against Synchrony Bank where I had several Credit cards from them. I have tried to close all of my accounts with them but they think other wise. My XXXX card I closed, my Walmart card I closed, I tried to close my Guitar Center Gear card last XX/XX/2018 and thought It was closed but it remains open, they will not close this account. I had PayPal credit and paid it off and they will not close this account as well. All accounts are paid off and I want nothing to do with this company. they have told me even though my accounts are paid off we can not close them for sixty days. There are no pending charges nor will there be ever again. I want all accounts with company gone from this world I no longer want nor do I need this company for any reason what so ever!
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MS)

Pro Collect is trying to collect on a debt that does not exist. After moving from The XXXX Apartments I moved in good standings and received the deposit back. I have explained this numerous times and they will not even look into it. Customer service is very rude and demanding payment.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

I 'm contacting the CFPB as my final resort as I 've been contacting Amex numerous times regarding my Platinum Card which I was approved on XXXX XXXX, 2016. The promotional offer associated with the application included receiving XXXX Membership Rewards ( MR ) points after making {$3000.00} in eligible purchases on the card in the first three months of Card Membership which I did. I have a legitimate business and use several credit cards to spread out my expenses and have a track of them. I also use them for my personal consumption and have always been a good customer in that regards as I 've never had a single collection or missed payment. Amex ( American express ) has stated to me that the reason why I had a XXXX clawback is because I had returned items. I 've explained that I 've made purchases for more than the required {$3000.00} spend and that even with the returns, it still counted for the promotional offer. As our phone conversations are always recorded, amex could easily listen to them and hear that the first agent that opened a case acknowledge that even with the returns, I should of been entitled to those bonus points. A few weeks after, I called back to check on the status and an agent said that it was n't due to returns but also because of spending ineligibility. I would like for amex to prove how would those spending be ineligible. It seems that they are trying to deny my bonus for any reason they seem to have on the day of calling. Furthermore, I must say that my points were not redeemable for any partner transfer and were locked and frozen and that I had to wait 6-8 weeks before getting an answer on my case ( which ended being much longer than that as my points were taken back on XXXX when I had originally applied on the XXXX, so 14 weeks total, another promise that was not fulfilled from Amex. I am simply requesting to have those points back into my account as I was advertised. 
Thank you
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

I had a loan with HSBC for a house I owned. Because of unforeseen circumstances we had to process a died in lieu on my property. This was back in XXXX. I processed and signed everything. Fast forward and I have tired to get a loan on a home and was told I had a forclosure. After many phone calls and research it turns out that HSBC never finished the process of the died in lieu. I even spoke to the lawyer that HSBC used and they verified that the bank just stopped responding to them. So because of that i am unable to purchase a home until XXXX of XXXX. We went back thru the entire process of the died in liue and submitted again ad finally dont correctly. The bank had nothing to offer, even apologizes, as this was their fault and my family left without being to buy a home.
Consumer complaint received 2020-09-10
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: STERLING JEWELERS, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

I have a mortgage with ShellPoint Servicing and it has PMI. Now that the house prices have gone up, i requested them for PMI cancellation. They sent me a form to sign which also forced me to sign for appraisal at my cost. After all these, now, they say, the PMI can only be removed based on original Loan Amount, and not the current appraised value. My compaints, 1. They didnt tell me this earlier, 2. When they knew this, why did they ask me to sign for Appraisal, 3. they charged me for appraisal. 4. they dont give me the PMI requirements clearly in writing.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (HI)

I have XXXX Amex accounts - a business account and personal account. On XXXX/XXXX/XXXX, I redeemed Blue Cash Preferred Reward Dollars from my personal account for XXXX American Express Gift Cards totaling {$170.00}. The website would n't accept my billing address, a XXXX XXXX , as a shipping address so I called customer service. The agent said they do not ship gift cards to a XXXX XXXX . I explained that the USPS does n't deliver to my physical address. I also informed the agent that I received Amex gift cards in XXXX, using points from my XXXX Amex card, that were sent to my XXXX XXXX . The agent eventually agreed to ship the gift cards to my physical address via XXXX. I received an order confirmation via email ( attached ). On XXXX/XXXX/XXXX I received an email ( attached ) confirming shipment of the gift cards - but the tracking code link to the USPS did not work. I contacted Customer Service and began an endless process of being transferred from one department to another over a period of 3 weeks. I was informed that I must wait 7 - 10 business days for delivery. After waiting 10 business days I was informed that the cards actually shipped on XXXX/XXXX/XXXX so I needed to give them a few more days. Then I was asked to allow more time for delivery and if the cards did not arrive Amex would expedite replacement cards via XXXX. On XXXX/XXXX/XXXX I was informed that the cards never shipped and to allow 3 - 5 business days for an investigation ... I 've been an American Express member since XXXX and never had such a bad experience with customer service. Every call required starting over and many of the agents did n't listen to the details and did n't seem to care. A few of the Amex customer service agents I spoke with were very rude. I have consulted an attorney but have not retained his services yet.
Consumer complaint received 2015-11-01
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION (FL)

I have never applied for a loan, received a loan or been in contact with the Check 'N Go Company. They sent an invoice or bill in the mail that states my payment has been dishonored. 

I 'm either concerned that someone has used my identity to take out a loan or Check 'N Go is trying to scam me out of money.
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MA)

There is a late payment in my credit report dated XXXX 2015 ( 30 days ) from SEARS/CBNA. 
Sears-Citi did n't send me the statement on time for {$26.00}, not to my email nor home address. I called customer service and they removed the late fee since the problem was in their system not sending the statement on time. However, the credit department did n't remove the late payment from my credit report. I sent them letters and asked them to correct their mistake but no results. 
I did n't have any late payment in the past in any credit cards. This late payment decreases my credit score significantly. Usually credit card companies trying to protect costumers but Citi is going in opposite direction to hurt members due to their own mistake. 
My request is that Citi removes the late payment and correct their system mistake so it will not happen to others.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (PA)

I am writing to express my frustration regarding the delay in processing my Income-Driven Repayment ( IDR ) application. It has been nearly 5 months since I submitted my application, which is unacceptable and may be in violation of legal requirements. 

I am deeply concerned about the impact of this delay, as it has resulted in XXXX late payments due to MOHELA prolonged processing time for my IDR plan. I feel that this situation unfairly burdens individuals who are already financially vulnerable. 

As a result of this experience, I am considering filing a formal complaint against your company. I strongly believe that such delays can have serious implications for individuals who rely on timely processing of their IDR applications. 

Additionally, I am prepared to escalate this matter to the Attorney General '' s office if necessary. I expect a prompt and satisfactory resolution to this issue, and I hope to receive a response from your organization addressing this matter as soon as possible.
Consumer complaint received 2017-02-01
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX/XXXX/2017 I disputed {$2100.00} worth of fraudulent transactions made on my American Express Serve prepaid account. Despite having adequate proof that these transactions could not have possibly been made by me, my dispute was declined via email in less than 24 hours with no cause. These transactions all occurred in another state while I had my card in my possession. I was also advised that my account was locked and suspended. I later received a letter and a check for the balance in my account. When I called AMEX Serve, I was told that I could write into the corporate office to appeal the denial. I wrote AMEX, but have not heard anything from them. This situation has placed me in a difficult position as I can not pay bills and support my household.
Consumer complaint received 2016-08-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am afraid I responded too superficially to XXXX XXXX ' memo and I would respectfully like to change my response as follows. This new complaint regards the previous CFPB Case No. XXXX and concerns my home at XXXX, loan ending in XXXX. 
The law firm of XXXX XXXX has sent me a very large memo with exhibits numbered XXXX After reviewing the memo carefully, I would like to respond as follows. 
1. Yes, I would like to remain in my home, which I built, and would like to obtain terms of a loan modification such as was offered to me in XXXX XXXX. 

2. Yes, I wish to be granted a very good modification from BofA for the rental home in XXXX XXXX in return for the horrible experience they have put me through by wrongfully foreclosing FIVE TIMES in a row, and arbitrarily rescinding a settlement I obtained legally from the bank. 

3. There are many inaccuracies in the firm 's report. First, I was never declined because I failed to submit the necessary documents. BofA 's requests for documents were couched in terms that are perhaps ambiguous " we are missing the required documents '', etc. But if you carefully review exhibits XXXX and XXXX you will see that the documents requested are always different documents in each request letters. As part of the process, the agents constantly asked for new documents, and I always provided them on time. The letter in exhibit XXXX is especially incorrect as indicated in my log below since it was your agent who was absent at the conference call she scheduled with a BofA bank agent in XXXX XXXX where I took all my documents. You can ask agents XXXX, XXXX, or XXXX, they will tell you I was always on time, always diligent and organized. Please read these my log carefully to dispel this idea of decline letters due to " missing document, '' you will see that the process went on because if anyone was reliable in this process, it was me. 

4. I would like your firm to explain to me how I could possibly be denied a modification because I was making payments still in XXXX, to being denied a few months later because of my inability to make payments [ XXXX XXXX, exhibit C ] XXXX. I would like to point out that the attorney I hired to understand the " offer '' you made in XXXX XXXX, actually laughed at your offer which gave me a 4 % interest for only one year, then went right back up to 7 % after a few years. It was a useless exercise, since this was a COUNTRYWIDE NEGATIVE ARM LOAN which went up by {$110000.00} as of XXXX XXXX. 

I am attaching the summary of my problems, a log of my communications with the bank, and a list of my questions with specific reference to items in your response or in my questions. PLEASE NOTE THAT ITEMS # XXXX, XXXX, AND XXXX IN MY LIST OF QUESTIONS ARE OF PARTICULAR RELEVANCE AND IMPORTANCE. I appreciate the chance to discuss these matters in detail with you, XXXX XXXX
Consumer complaint received 2015-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INTERNATIONAL CITY MORTGAGE (CA)

I have a loan with International City Mortgage ( ICM ), serviced by XXXX. I have an escrow account to save monthly for County ( Property ) Tax and Hazard Insurance. On my Annual Escrow Account Disclosure ( dated XXXX/XXXX/15 ) I noticed a withdrawal from my escrow account in the amount of {$220.00} for " Misc Escrow '' back in XXXX 2015. I received no notice that this amount was being deducted from my escrow account. I do not know what this withdrawal is for ( ICM / XXXX provided no notice or accounting of the {$220.00} they " stole '' from my escrow account ). I contacted XXXX to find out about this withdrawal ; they said that it was paid to the mortgagee, ICM ( per XXXX XXXX of XXXX ). The XXXX $ due to ICM, that I am aware of is the monthly mortgage payment ( they have no business taking $ out of my escrow account ). I asked XXXX XXXX why, and he could not answer other than the $ was their 's to take. I asked for a full accounting and reason for the deduction. XXXX XXXX said XXXX would do that, but has not to date ( several weeks ago ). I would like the {$220.00} that was stolen from my escrow account by ICM and/or XXXX returned. ICM / XXXX has not provided any notice for the withdrawal or legitimate reason for doing so.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I would like to file a complaint against the noteholder and servicing company for the mortgage on my primary residence. 

Im attaching supporting documents and letters for review as well. I believe I am a victim of mortgage fraud from XX/XX/XXXX and am still suffering from that experience. I filed for chapter XXXX bankruptcy in XX/XX/XXXX and the since the house was my primary residence it was discharged in the bankruptcy. 

I have been trying to get a loan modification for over 5 years that would bring the mortgage amount to at least to the fair market value. 

One of the issue appears to be valuation reports sent to me by the lender. The reports are biased in favor of the note holder. The comparables used are extraordinarily high and located in a much more desirable areas. They show an appreciation of over 33 % in 18 months which is impossible. 

I have made three monthly payments and each time the lender has returned them. They are claiming Im behind in my payments even though I have sent them in. 

More recently, SPS has retained an attorney and threatening to foreclose on the property. They offered a payment plan that was too exorbitant given my income. I have sent in the last three payments and they keep sending them back. They are demanding a lump sum of over {$29000.00} instead of agreeing to a loan modification with affordable month payments. 

Please refer to the attached letters and documents that show all the issues and correspondence from the loan I am reaching out to anyone that can help me resolve this issue since I do not want to lose my home. We really need the noteholder to agree to a loan modification so that we can have monthly payments affordable with our income as shown on our tax returns.
Consumer complaint received 2017-02-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NC)

A company by the name of Midland Credit Management , Inc., of XXXX XXXX, wrote me about two months ago saying that an unpaid balance of {$230.00} on a XXXX BankXXXX account was sold to them on XXXX. I wrote them back that I had never had an account with XXXX and had never received any requests for payment from a XXXX Bank. I stated that apparently my name had been either maliciously or accidentally attached to this account, and I had no intent of paying for something I had never bought. After another letter or XXXX, the latest from XXXX XXXX, their Division Manager, is now saying " we will no longer be contacting you regarding this account by phone or mail unless it is to further respond to this dispute by you. ''
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-05
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)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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