davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company Trans Union had a system glitch that has violated the rights of their consumers under section 6.11 As a result I have been gravely affected and my score is suffering as this glitch result.No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : XXXX Date XXXX/XXXX/2016 XXXX- XXXX XXXX XXXX/XXXX/2016 XXXX -XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX   and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Since around XXXX in late XX/XX/XXXX, Chase Bank locked my account and then forcibly closed it on XXXX without providing any explanation for the closure. The first customer service representative I contacted informed me that it would take approximately 15 to 30 business days after the closure for the balance in my account to be sent to my address in the form of a check. However, it is now XX/XX/XXXX, and I still haven't received the check. In the meantime, I have reached out to Chase Bank for resolution over 20 times, but each time I'm told that the check is under investigation, and they refuse to help me get in touch with their legal team responsible for the investigation. Every customer service representative simply replies with, " It's under investigation, and we don't have the authority to contact the legal team. You just have to wait for them to release the check. '' Such responses have left me increasingly desperate during the communication process with Chase, and I believe they have no intention of refunding the balance in my account. The total balance in the account at the time of closure was {$5900.00} ( please find the checking summary in the attachment ), mostly from my payroll and some from transfers between friends for dining and entertainment. While this amount might be insignificant to Chase, it is crucial for me as an XXXX XXXX XXXX who may return to my home country within two years. I continue to rely on this money to support my life within the United States. Chase 's refusal to provide service, forced closure of accounts, and inhumane behavior stand in stark contrast to the notion of " freedom '' in the United States. Therefore, I appeal to promptly retrieve the money rightfully belonging to me from my account and condemn Chase 's unjust and unrestricted withholding of private deposits!
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

On I made a charge on XXXX XXXX for {$2300.00}. I did not to this day receive any merchandise. I disputed the transaction with Apple because I dont have the merchandise. They sided against me based on the merchant providing no real evidence. Merchant uploaded tracking to a city far away from me that is clearly not me and XXXX of his other customers This is unacceptable I now have neither the funds not the merchandise
Consumer complaint received 2020-06-23
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. (MS)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

DEAR CFPB I WOULD LIKE TO MAKE A COMPLAINT AGAINST MY MORTGAGE LENDER OCWEN LOAN FINANCIAL. I HAVE AN ISSUE WITH THIS COMPANY BECAUSE THEY ARE STATING THAT WE ARE BEHIND ON OUR MORTGAGE PAYMENT OF {$1300.00}. I HAVE BEEN PAYING MY PAYMENTS SINCE IT WAS MODIFIED IN XXXX XXXX. WE ARE GETTING THESE PHONE CALLS FROM OCWEN STATING THAT WE HAVE TO PAY OUR XXXX XXXX PAYMENT, WE HAVE BEEN MAKING ALL PAYMENTS AND HAVE NEVER BEEN LATE. WE WERE INFORMED IN A LETTER AND BY PHONE THAT WE ARE NOT CURRENT. I HAVE DONE MY RESEARCH AND ASKED FOR MY PAYMENT HISTORY BY MAIL AND FOUND THAT A PAYMENT OF {$1200.00} ON XXXX XXXX, XXXX WAS NOT APPLIED CORRECTLY TO MY ACCOUNT. I HAVE CALLED ON XXXX XXXX, XXXX AND THEY HAVE STATED THAT MY PAYMENT HAD BEEN CHANGED AND WAS HIGHER THEN WHAT WE BEEN PAYING. WE WERE NEVER INFORMED OF THE CHANGE, NOW BY NOT BEING INFORMED OF THE CHANGE, THEY HAVE HELD MY {$1200.00} IN A SUSPENSE ACCOUNT AND STATED THAT THEY NOT ONLY HELD MY PAYMENT IN A SUSPENSE ACCOUNT, BUT THEY APPLIED PART OF MY PAYMENT TO THE LATE FEES THAT THEY ARE CLAIMING WE OWE. FROM THEN ON MY MORTGAGE IS NOW BEHIND, AND I AM DISAGREEING WITH WHAT THEY HAVE DONE. I CALLED ON XXXX XXXX, XXXX AND HAD SPOKE TO THE RESEARCH DEPARTMENT AND THEY ARE SUPPOSED TO INVESTIGATE WHERE MY PAYMENT WAS APPLIED AND WILL LET ME KNOW WHAT HAPPENED. SO I HAVE BEEN IN CONTACT WITH OCWEN AND THEY STATED THAT MY ACCOUNT IS BEING LOOKED AT AND WILL BE RESOLVED WITHIN 15 DAYS. I HAVE CALLED AGAIN ON XXXX XXXX, XXXX AND SPOKE TO THE RESEARCH DEPARTMENT AND THEY HAVE STATED THEY HAVE CORRECTED THE ISSUE, BUT MY ACCOUNT IS STILL BEHIND. I AM DISPUTING THE WAY THAT THEY HAVE TAKEN BEEN APPLYING MY PAYMENTS TO MY ACCOUNT. I NEED ANSWERS TO MY DISPUTE, BECAUSE NOW THEY ARE MAKING ME FAIL ON MAKING MY PAYMENTS ON TIME I HAVE SUBSTANTIATION TO PROVIDE BY FAX OR MAIL.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CO)

My lender did not process my loan with reasonable diligence and in good faith. 

1. The lender did honor rate lock of 4.25 %. on loan estimate. Closing disclosure sent to me shows 4.25 %, however at closing APR was 4.5 % 2. Lender paid {$420.00} for Appraisal ; however I was charged {$550.00} at closing. 

3. I pre paid {$690.00} Hazard Insurance for 12 months before closing, however I was charged {$690.00} at closing for 12 months of insurance.

4. I was charged {$250.00} Realtor Transaction Fee at closing. The closing disclosure I was provided before closing does not show this fee. At closing I was required to pay this {$250.00}.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

I have faxed over loan modification paperwork. Still threatening foreclosure and have not updated my online account even though the modification has been approved. All the payments have been made for the trial period. 

I am attaching the XXXX fax confirmations.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The two accounts below are reporting on my XXXX and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXXAccount NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as ofXX/XX/XXXX.

Status UpdatedXX/XX/XXXX
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Made payment on XX/XX/XXXX in and amount of {$41.00} and received confirmation number from customer service. I have had problems with this company in the past for the very same reason. Two ( 2 ) weeks ago I was contacted by Citi that the payment wasn't made. I gave them the confirmation number and they said that the account from XXXX XXXXXXXX XXXX  had insufficient fund. In XXXX XXXX XXXXXXXX, I changed banks to XXXX XXXX and notified them immediately and have made monthly payments since that time. For some reason they can not understand this information in spite of my repeating the above-mentioned information several times in the past 2 weeks to include 4 phone calls from them today. I'm exhausted with them and have cut up my Citi Bank credit card and will continue to make timely, monthly payments minus the ridiculous late fees they have added. I truly don't understand why they don't understand that people change banks. I also don't know how times I am expected to tell them about the confirmation number for the XXXX payment and continue to give them the new bank name of XXXX XXXX while they are trying to get money from XXXX XXXXXXXX XXXX which I told them I closed in XXXX of last year. Thank you for any assistance you can give me. I am blocking their phone number and email because I don't know how many more times I can explain this.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OR)

My online access to my account was revoked. No one reached out to me, I had to reach out to them. I was then passed around for multiple days and during this time started receiving notices of rejected autopayments from my bank ( customer of over 10 years ).

They will not tell me what has happened or why my account is frozen and in the meantime my financial position, credit etc are being harmed.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

Credit company Synchrony decreased my credit limit purely based on my credit score factor, not from the standing point of my credit with the bank or the usage. This not only hurt my credit score directly, but also forced other banks to limit my available credit because Synchrony decided to lower my credit limit from XXXX USD to XXXX USD. This also makes this account impossible to use.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

When I log into my Mohela account, I am immediately notified about a high call volume and informed that I thus may be unable to reach customer service.

I submitted by PSLF recertification document to Mohela on XX/XX/XXXX. They initially said it would be processed in 30 days. Then I got another notification saying it would be an additional 30 days. As of XX/XX/XXXX, they still have NOT processed the form and updated the amount of qualifying payments I have made toward Public service loan forgiveness. 

I called them on XX/XX/XXXX at XXXX XXXX  XXXX time to discuss it. The automated message said that they were closed, but it also said they are open until XXXX XXXX  XXXX XXXX so I called within business hours. 

It's appalling that they haven't processed my form after approx 120 days and even more so that I have no way of speaking to them about it.
Consumer complaint received 2016-06-20
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX XXXX ( XXXX ) XXXX rented her house and deposited the {$1900.00} security deposit in a newly opened savings account at the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. She had long maintained a checking at the branch, automatically deposited her social security check there and had financed the purchase of her home with a mortgage loan then held by Bank of America. 

Shortly before her house was rented, XXXX moved to XXXX XXXX and started making deposits and withdrawals to her checking account at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. In or around XX/XX/XXXX, the bank required a savings account balance of {$2500.00} in order to avoid a monthly fee of XXXX dollars. It notified XXXX by mail of its new minimum balance requirement. She was born and raised in XXXX and does not read English well, if at all. She also failed to notice the charges on her bank statements perhaps because she had no formal financial training. As a result she remained unaware of the fees,, Recently when discussing her accounts with representatives of the XXXX XXXX branch she discovered that the monthly fees had reduced her savings account balance to {$1300.00}. 
The bank considers her a " valued customer over 25 years ''. 

She respectively requests that these fees be reversed. 


.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

Applied and Approved for PSLF XX/XX/XXXX Waiting for loan transfers with many calls to Mohela and XXXX to finally be told by FederalStudentAid that nothing could be done until my bankruptcy was resolved. My bankruptcy was dismissed in XX/XX/XXXX. There has been no contact or account activity other than me paying my payments to XXXX. 

Mohela is not helpful and now wants me to apply for consolidation which I already am consolidated.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (OH)

in 2006 my dad co signed for me to get a home loan it has since been paid in full So my question is if both are names were on the loan and the deed to the house why is it not on my credit report I paid for the house but yet I get no credit for it
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

When my loans were serviced through fed loan I was informed not to consolidate my loans as they would reset my PSLf payment counts.. Due to this information given by the servicer I cancelled the loan consolidation. I had loans forgiven when reaches 120 payments on two accounts but still had remaining loans as they were not consolidated. Come to find out I did not need to reverse the consolidation and all my loans wouldve been forgiven at the same time
Consumer complaint received 2022-08-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

Closed on XX/XX/15 Im the seller. Huntington bank was paid on that day. My attorney said they owed me XXXX dollars escrow Im still waiting for it. Huntington customer service keeps telling me they are cutting the check.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (IL)

I was called today by an agent named XXXX XXXX ( she left a voicemail with her name ). When I called back I received someone else and I advised that this was my third request for them to stop contacting me. Their calls are monitored and recorded so they can pull the calls of the other 2 times o requested this. The first XXXX requests were made to an agent AND a supervisor who were both EXTREMELY rude. When I tried to put in a complaint to the supervisor, she interrupted me and said so what is your question because I dont have time for this. I didnt have a question, I was trying to submit my complaint. I told them to stop contacting me and they continued to do so. I have reached out to a lawyer to discuss this matter with them further. I work XXXX XXXX XXXX XXXX XXXX XXXX I generally know the collection tactics, and what is ethical collections and what is not, and Pro Collect is definitely the WORST, unethical company I have ever spoken with. I have tried to settle this debt but they are unwilling to work with what works, I can not afford payments of {$1500.00} a month which is why Ive asked to cease and desist as this is causing me so much stress that it is effecting my health with how much stress I have. I can provide lawyer contact information once the law firm assigns me a lawyer to my case.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

I have been trying to get a correct payment amount for my student loans on the SAVE plan. I have submitted 4 Income Driven Repayment ( IDR ) plan requests to MOHELA, none of which have been processed/calculated correctly. I login to see the payment amount is {$77.00} a month when every estimate I've received from StudentAid.gov and from MOHELA themselves estimates my payment to be {$0.00} a month based on my income and filing status of MARRIED FILING SEPARATELY. I call to ask why this continues to be an issue and the front-line customer service representatives have no clue and just submit a new IDR application for me which continues to be incorrectly processed/calculated. Below are the dates of IDR applications I've submitted, and their outcomes according to MOHELAs website, all of which have not been calculated correctly. 

XXXX Approved XX/XX/2023 ( INCORECCT AMOUNT ) XXXX- XX/XX/2023 XXXX XXXX  Canceled XX/XX/2023 ( NO REASON PROVIDED ) XXXX Canceled XX/XX/2023 ( NO REASON PROVIDED ) XXXX Processing XX/XX/2023 ( It has been 2 months with no progress on this request ) I have submitted these applications a variety of ways. I have submitted them via XXXX, via self-service portal on MOHELAs website, and over the phone with a customer service rep. None of these methods produced different results which leads me to believe that the teams that process these applications are doing them incorrectly. My issue is threefold - 1 ) I need a payment I can afford and I can not spend the HOURS it takes to wait on the phone for MOHELA because assumingly thousands of others are experiencing similar issues 2 ) When I do get someone on the phone they are untrained, unaware, and unhelpful. Most are totally unaware of the different provisions of the program I am applying to ( SAVE program allows for married couples filing separately to NOT include their spouse 's income, which most reps were surprised by or flat out told me I was wrong ) 3 ) StudentAid.gov and MOHELAS OWN CALCUALTOR ON THEIR WEBSITE say I should be paying a MUCH smaller amount than I am, yet every time it is processed the amount is VASTLY incorrect. Are the estimates provided by XXXX ( operated by DEPT of ED who own my debt ) and MOHELAs incorrect? That is a major issue if so. If they are correct, what calculations are being done behind the scenes to lead to such discrepancies?
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I have never done any business with XXXX or XXXX.I have disputed this information with XXXX XXXX XXXX. They are showing a XXXX balance which begin at XXXX. I asked them to validate this information, they do n't have anything with my signature or a contract.This information is with the XXXX credit reporting bureaus. I have disputed this information with all XXXX of the credit reporting agencies. It is against the law and illegal to report inaccurate information.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction.- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.