davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/21 I received by mail a Walmart Mastercard issued by CapitalOne bank. I did not apply for this card. This is the 3rd year in a row that I have received a credit card not applied for by me always between XXXX and XXXX, always a credit card affiliated with a big box store ( XXXX, XX/XX/XXXX XXXX, now Walmart ) just after my fraud alerts from the previous instances expired on the 3 credit reporting bureaus, XXXX, XXXX and XXXX. 

1 ) I called the " Administrator '' of Mastercard at the # found in the credit card packet : XXXX and spoke to " XXXX '' who was very nice and said he had to transfer me to Fraud in CapitalOne Bank. He would not give me a direct phone # for them and said he could not cancel the card. 
2 ) I was transferred to " XXXX '' at CapitalOne who asked for my date of birth and last for digits of my social. I refused and asked to be escalated. She would not give me a direct phone # in case we were disconnected. 
3 ) I was transferred to " XXXX '' who insisted I could get no further unless I at least gave the last 4 digits of my social and I very reluctantly did. She said our phone call was being recorded. 
4 ) She SAID but who knows, that she cancelled the card.

5 ) Unlike the other 2 times this happened to me with XX/XX/XXXX CapitalOne said they will only respond to my concerns by phone, not in writing, and it will take 60 to 90 days for them to call. I do not answer my phone if the caller id is from someone I do not know to avoid scams. Unlike to other 2, CapitalOne said that they will not alert the 3 credit reporting bureaus of the fraud, I have to do that myself. 
6 ) The above practices are totally unacceptable, they must respond in writing and must do their jobs to properly report the fraud ; 7 ) Why does this keep happening? 3 years in a row all within 30 days of my fraud alerts expiring ; 8 ) I believe that this is happening due to a breach within one of the entities, XX/XX/XXXX or XX/XX/XXXX 
9 ) I think it is incredible, disgusting and unconscionable that I can now rate the victim experience between 2 banks in their fraud practices.

10 ) I want there to be an investigation to discover the source of who is making these applications using my information, why is no one doing that? 

Please note that CFPB has my past fraud incident on file. They were able to get a written response from the bank and I was able to follow up with that person and that bank from there. I desire the same outcome in this instance and most importantly I want to know why this keeps happening!
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.
Consumer complaint received 2023-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing received an insurance renewal from my insurance company XXXX XXXX XXXX ) and never paid the renewal premium. My insurance lapsed and I was charged a {$1200.00} " escrow advance '' fee for temporary homeowners insurance that I should never of had to pay if Fay would have paid my renewal premium. 

On my insurance company 's website portal ( XXXX ), they show that a renewal notice was sent out to Fay servicing to pay prior to the expiration date. When I contacted Fay Servicing at the beginning of XXXX about this issue, they said that they would look into it and that they " upgraded their computer systems and had glitches ''. They told me that there may be no refund for the interim insurance. Nobody from Fay has ever gotten back to me regarding this yet and I've called several times to clear this up. Their phone systems are convoluted and confusing, and their associates are less than helpful and never follow up.

I believe this is a scam that Fay is doing in order to get their " Escrow Advance '' payments. As in, they're letting some of these insurance premiums lapse by not paying them and then the consumer has to pay for inflated interim insurance, they received two notices of payment and still didn't pay ... for me it was {$1200.00} for 3 months of insurance until I was able to get everything squared away. 

What makes things worse is it's very difficult to get off of their escrow services because now my account is in the negative and they want me to pay to get it back to zero, even though it should actually be positive. Somebody please help me, I feel that I'm being scammed here.

I should be owed a refund of {$1200.00} because Fay forgot to pay my insurance company and I should be able to get off of escrow. Thank you.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

I need to lift a freeze, but I can't login or reset my password via their website even though I have a valid email address and password. It simply keeps saying temporarily unable to complete this request. I have tried calling the phone number listed, but I just get a busy signal. I have tried to use the phone number to lift the freeze to no avail. I have spent four hours of my time trying to call or logon to this company 's website. Equifax has already lost half of America 's citizens personal information including mine due to their continued incompetence. All of my options of trying to contact this company have been spent. I hope congress acts to strip these credit agencies of their monopoly and punish them on behalf of consumers. I simply would like my credit freeze lifted and be able to either logon to the website or call to restore my account. This company has wasted my time, money, and has been careless with my social security number as well.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens sent out an email that they were going to pay an insurance company {$1400.00} for hazard insurance on XXXX/XXXX/2021. I called them on XX/XX/2021 to advise that another company had been set up and that it would be prepaid without need for escrow. I sent a paid receipt from my XXXX XXXX with evidence of insurance on XXXX/XXXX/2021. I received notice from Citizens that they paid the {$1400.00} and the {$760.00} to the other insurance and deducted it from my escrow. 
Further research with both insurance companies found that Citizens never sent checks to either one and/or placed stop payment on them. After three calls to them over the last 6 weeks, they have still not corrected the escrow account. Average wait time to speak to them is over 45 minutes per call. 
Please advise if additional information is needed.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (NY)

Since the XXXX of Friday i set to close my TD bank account, as soon as I setup to close the account.The very next day I started having fees and charges I didn't have. I kept calling to close the bank but they kept hitting me with fees. How am I suppose to close a bank account when they keep giving me fees. They won't close because of the things pending.
Consumer complaint received 2023-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (PA)

XXXX I received a call from XXXX on my cell phone, number XXXX which I ignored, they then called my work number immediately at XXXX. I picked up, they hung up on me immediately. I called them back to find out who they were, the lady was rude, I asked why they called my work line and hung up, she said they didn't they didn't talk to anyone, I said that is because when I answered and said it was a recorded line they disconnected. Calling and hanging up on someone isn't okay. Also, I have no idea who they are except a debt collector as I have received no correspondence of any kind from alliance one.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (MA)

On XX/XX/ I applied to open a Money Market account with Vio Bank responding to Vio Bank 's public advertisement. 

Vio Bank has declined my application and provided me with a Notice of Adverse Action ( enclosed ). 

The Notice of Adverse Action from Vio Bank has not listed any specific reasons why my application was declined nor it included my name on the notice. The Notice of Adverse Action had referenced a consumer reporting agency claiming that the information on a report from that agency had influenced Vio Bank 's decision. 

My consumer report from the consumer reporting agency that Vio Bank had listed on the report does not contain any negative information that could have been a reason for Vio Bank to decline my application. 

I believe that Vio Bank in their decision has not relied on the information obtained from the consumer reporting agency, but made its decision on their internal policies based on prejudices against non-typical customers.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Financial Network Inc. (AZ)

Greetings, To whom it may concern, i XXXX XXXX XXXX. the consumer come in good faith. I recently requested a copy of my consumer report as Im trying to purchase a home for my family and myself. It has came to my attention that on XX/XX/2021 and again on XX/XX/2021 American Financial Network Inc know as ( AFN ) unlawfully reporting an unauthorized inquiry on my consumer report without my permission, or without a permissible purpose by law ( AFN ) is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have NOT given you permission to access my credit profile. You also do not have any permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C section 1028A. Let it be known that I the consumer have not initiated any transaction with American Financial Network inc, Furthermore, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with American Financial Network inc for review or collection. Pursuant to title 15 U.S.C 1681n ( a ), Any person who knowingly and willfully Obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (AL)

Today XX/XX/XXXX I received a call from Flagstar Bank stating that my mortgage was behind for XXXX & XXXX of XXXX. 

In XXXX of XXXX, my mortgage servicer changed from XXXX operating as XXXX XXXX to Flagstar Bank. On XXXX the XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay to pay my mortgage. On XX/XX/XXXX of XXXX my mortgage payment was auto drafted from my checking account to pay my mortgage for XXXX. This alone should would leave any reasonable person to believe their auto draft payments have been transferred over. 

When I received the call today I was informed that my mortgage was behind for both XXXX & XXXX and that the XXXX payment had been reported to my credit as late. She then stated that autopay would have had to been manually transferred in order for my payments to go through. When I asked how they received XXXX and XXXX 's payment, she stated that my previous mortgage servicer sent them through on my behalf. This is wildly convenient because under RESPA 33 ( c ) payments may not be considered late for the first 60 day after the effective date of the transfer. However, because my payment were still being taken out of my account during that time period I never received the protection that this regulation intended. Furthermore, Flagstar is refusing to cooperate in any form to remove this late payment. It should be noted that I never received a document stating that my autopay needed to be changed. The representative XXXX stated that there where several mailers sent out. All of which I have not received. 

I feel that this situation highlights the failings of Flagstar Bank to operate in good faith. They are trying to maximize fee 's and sidestep regulations that intended to protect consumers from this exact situation. I haven't missed a single payment in over 12 years and have had excellent relationships with every financial institution that I deal with. This missed payment was merely the result of a failed mortgage servicing transfer of which I should not be liable for. If you are reading this as a consumer, I highly recommend you consider other financial institutions.
Consumer complaint received 2020-04-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OR)

With the COVID-19 Virus going around, Freedom mortgage basically does not offer extensions at all. They will allow you to " not '' pay for upto 3 months but you have 6 months to pay the whole balance not to mention if they approve you they still label you deliquent, and report to credit .... 

So here is what they want.. 

if you want to take a extension / forberance, they want the following information. 

All you monthly expenses, tax information, just to start. Instead of just helping their customers making this time easier they make us jump through hoops. They do not have these forms fillable or able to submit it with a agent on the phone Major banks can do extensions over the phone with just a verbal agreement for situations like this, but freedom mortgage doesn't care they do not offer easy solutions, they want to frustrate there customers and threaten there houses and credit when there household income has been hurt with stay at home laws during the COVID-19 virus. 

I have never had an issue with my mortgage payment since i got the house originally. the next time i can refinance i will be looking to leave them due to the poor customer service.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt )
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

In XXXX, I clicked on a bonus promotion at the CITI 's website offering a bonus of {$300.00} to keep {$15000.00} in their bank for 60 days. On XX/XX/2021, {$15000.00} was ACHed to CITI ( document : XXXX XXXX ). On XX/XX/XXXX, I had not received any emails concerning the bonus, nor was I able to find any information about the bonus in the documents that I downloaded. On XX/XX/XXXX, I initiated a chat within my online account on the CITI webpage, in which I asked that my bonus conditions be specified and confirmed. In the chat, the CITI representative confirmed my understanding of the bonus conditions, which suggested that the chat representative was able to access the promotion details ( screenshot of partial chat : XXXX XXXX XXXX ). If the chat representative had not confirmed my bonus conditions, I would have immediately withdrawn my funds. I met the XXXX deposit on XX/XX/2021 ( document : XXXX XXXX ). I kept the account open through XX/XX/2021. When the bonus was not deposited into my account one week after the date specified by the chat, I called CITI. I was told that no bonus was due to this account because the account was not associated with any promotion code. When asked if they would not honor the confirmation of bonus conditions by the chat representative on XXXX XXXX, the phone representative said " N0. ". Having no reason to continue business with CITI because they provided me false information ( in the chat ) which resulted in CITI 1 ) obtaining an interest-free loan of {$15000.00} for 90 days, and 2 ) continuing with the an interest-free loan of {$10000.00} as I awaited the bonus, I closed the account.
Consumer complaint received 2021-03-26
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. (TX)

I have religiously paid my Child Support account each month since 2019 and have never been late. I have even made multiple payments in advance so that I don't ever miss a payment. I believe it is because of these over-payments that I have made that have caused it to appear that I was late twice when I was really paid up several months in advance. I have contacted Child Support directly and they have confirmed that I have never been late on my account ( I am currently paid in advance by more than 12 months ). However two late payments still appear on my credit report. Prior to these 2 issues, I had over 800 credit scores. It is not fair to have something as inaccurate like this to affect me for the next 7 years. I have disputed these late payments directly with the credit bureaus but they are still reporting this inaccurate information.
Consumer complaint received 2021-06-22
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: JPMORGAN CHASE & CO. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft CXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am writing to urgently to address a concerning matter regarding the proposed closure of all four of my accounts with CHASE on XX/XX/XXXX ( details from a letter sent by CHASE on XX/XX/XXXX ). As a loyal member since XXXX, I am deeply perplexed by this decision, especially considering my impeccable payment history throughout my tenure. 

I have diligently maintained my accounts without a single late payment, reflecting my commitment and responsible financial behavior. However, the prospect of closing all four accounts poses a significant threat not only to my financial stability but also to my aspirations of homeownership. 

The potential closure of these accounts would undeniably inflict severe damage to my credit score, jeopardizing my ability to qualify for essential financial products, particularly a mortgage to purchase a home. Given the pivotal role that creditworthiness plays in securing favorable loan terms, such an adverse action could impede my progress towards achieving this fundamental life milestone. 

Therefore, I implore CHASE to reconsider the decision to close my accounts and provide me with a transparent and detail explanation for this drastic measure. I firmly believe that there must be some misunderstanding or oversight, as my longstanding relationship with CHASE should warrant a fair assessment of my creditworthiness. 

I kindly request your prompt attention to this matter and a timely resolution to prevent any unwarranted harm to my financial well-being. 

Thank you for your immediate attention to this urgent appeal.
Consumer complaint received 2024-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

On XX/XX/2024 I received notice that my XXXXender, PennyMac Loan Services, failed to pay my homeowners insurance resulting in them starting the cancellation process. After over an hour on the phone, I was told that they sent the payment to the wrong company. 

Additionally, PennyMac had failed to pay my county and school taxes properly at least 2 times in the past, resulting in debt collection notices from the county. 

On XX/XX/2024, I called to follow up on my unpaid insurance and ensure the issue was rectified. I was told that my mortgage payment is now increased from XXXX per month to XXXX per month. 

The representative explained to me that they had mismanaged my escrow account. They explained that my account was negative over {$11000.00} dollars. No one had ever reached out prior to me finding this on my own. Not once was I ever notified that my escrow account was being mismanaged or in the negative. 

PENNYMAC is now attempting to collect this debt from me although I trusted them to manage my escrow funds and pay my taxes/insurance promptly. Had I known this would be an issue, I would have managed my own escrow account. I do not believe it is moral or ethical for them to nearly double someones mortgage because they can not manage funds properly. As soon as someones escrow account becomes underfunded, they should be reaching out to address the issue, instead of waiting 2 years until the debt reaches over XXXX XXXX 

I am a XXXX XXXX XXXX American veteran. This is going to put a large strain on my family. I feel PENNYMAC should be held accountable for this shortage. They will not allow me to manage my own escrow account until the debt ( that they created ) is paid off.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

On XXXX XX/XX/2024 Rushmore informed me that my loan would transfer on XXXX XX/XX/2024, yet today I received notice that Rushmore will charge my bank account as usual on XXXX XX/XX/2024. Meanwhile, my new servicer, XXXX XXXX XXXX in XXXX XXXX XXXX, is demanding payment in XXXX.