davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

My mortgage was previously owned by XXXX XXXX. It was purchased by XXXX XXXX, managed by BSI Financial. They have been mismanaging my escrow, refusing to speak with me, and has placed my home in foreclosure for funds they say i owe but refuse to provide an eexplainaction of their findings. I have submitted proof of payments and they still are pursuing my home. I am currently under the Hamp program and have not defaulted on it..I have been harassed since BSI Financial took management of my loan ... They purchased insurance on top proof of insurance already active.. I am currently in a bankruptcy and the stay has been lifted due to inaccurate information submitted to the courts ...
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I have a student loan in the amount of approximately {$44000.00}. Navient is my loan servicer. My loan is currently defered due to unemployment. While employed I was making monthly payments that, unbeknownst to me, were not enough to cover the monthly payment. Instead of reducing the amount owed my principal was increasing every month regardless of my payment. My loan began with a balance of approximately {$38000.00}. I was never informed that the unpaid interest would be added to the principal monthly. The interest rate i s 6.8. It  is possible to extend the loan period to 25 years and reduce the interest t o 6.75 maki ng monathly payments of {$300.00}, which is still too high. My loan balance would then increase to over {$90000.00}, almost tripiling the original amount. It was never clearly explained that the loan amount would continue to increase when I took a forebearance or deferment. It is becoming more difficult to pay this loan as the balance has never increased.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NV)

I had an unsecured credit card debt with Citibank more than 20 years ago. I asked my mother to cosign so I could build my credit. The credit limit was probably not more than {$1200.00} maybe {$2000.00} XXXX. I hadn't paid the on the bill for years. It was due to be removed from my credit files. Suddenly my mother started getting harassing letters and threats of a lawsuit for my unsecured credit card debt. My mother was dealing with failing health then and is now battling memory loss and XXXX stage XXXX XXXX. She is XXXX XXXX XXXX and currently in foreclosure due to a bad mortgage deal with XXXX  XXXX. I am her POA and am trying to save her home. I see where XXXX XXXX or debt buyers has placed a lien on her home for over {$25000.00}. When my mother was subpoenaed to court over a credit card that wasn't even hers, I was by her side. We hired a lawyer that did nothing to represent us. This debt was due to fall of my credit report and they went in and said there was a payment made which started the collections back over so they could sue my mother because she has assets. It's not right that they were able to get away with this. My mother didn't know what was even going on or why she was being sued. In court the lawyer didn't bother to object to this company making a false statement that a payment was made. There was no record of a payment coming from my mother 's account or no proof at all. They were able to get a judgement against my mother for my credit card debt. I had also filed bankruptcy and it should of been XXXX. I want to know how it is even possible to be sued for an unsecured credit card debt. There has to be laws against people taking advantage of unsuspecting seniors. This credit card was probably sold to them for pennies on the dollar. They took advantage of my mother. She is not well and this stress is killing her literally. She as well as my dad have been dealing with severe stress and failing health since. I would like this situation investigated as I was the card holder and it is effecting my parents ability to have a decent place to stay. There has to be a burden of proof as well as truth. I reached out to you several months ago regarding my mother 's mortgage with XXXX for guidance. She is now in foreclosure. This was an absolute shock and a slap in the face. This matter needs to be investigated and the lies needs to be removed from my parents home. I am reaching out to the attorney General and want to see if there was some type of improper relationship between the judgement and this company. There is absolutely no way this could be legal. They are wanting my parents who are on a fixed income with declining health to pay them {$25000.00} for my unsecured credit card debt. I don't know how to have this investigated with the courts but I'm willing to take it to the Supreme Court. As citizens we are all entitled to justice. This is wrong.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I have a credit card that is linked to Costco. I do not use this credit card, although since it is linked to costco when my memebership fees came due, the credit card was charged. The bank account linked to my credit card I had closed. I had forgotten that this was linked. I had closed the bank account because it was related to a business that I had also closed. The auto payment was returned and the credit card charged me 2 fees for the next billing month of XXXX. I did not receive any mail notification as the address they had on file was incorrect. I have been charged a late fee for the last 5 months, that have now exceeded the cost of the original purchase. The only reason this came to my attention was because of a phone call from the company. I called and they said they could remove 1 late fee. I called back to see if there was anything else they could reverse, and now they transfer me and hang up on me. I was cordial on the phone, but it seems they have somehow " flagged '' me.
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc. (CT)

I applied for auto financing through Carmax which get me approved for a loan through XXXX XXXX now they are forcing me to put a down payment to accept the line of credit according to the Fair Credit Act 15 U.S. Code 1662 - Advertising of downpayments and installments it states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. So im not legally required to make a down payment to drive away with this vehicle
Consumer complaint received 2015-09-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC (IL)

I opened an account with eToro on XX/XX/2024, and completed their verification process. I began depositing funds and investing in cryptocurrencies over the next week. On XX/XX/XXXX, I received a notice via email that eToro required additional biometric verification within 24 hours or I would " face position, account, and/or wallet closure. '' I attempted to complete the additional verification the same day, but the process repeatedly failed. That day, I opened a new support ticket stating I was unable to complete the verification and I asked for an alternative method. After realizing the demand for additional verification also came via its own ticket, I responded to that as well with the same information. 

On XX/XX/XXXX, my submitted ticket received a seemingly auto-generated response that my request would be passed " to a relevant department for review. '' As of today ( XX/XX/XXXX ), neither ticket has received any further response and my account remains frozen. I am unable to deposit or withdraw funds. 

After two weeks of no response to either ticket, I attempted to close my account. As part of the closure process, eToro requires that you close all positions and withdraw all funds. As my account is frozen, I am unable to withdraw funds, but I was able to close my positions. On XX/XX/XXXX, I submitted a new ticket to withdraw my funds and close the account. There has been no response to that ticket in almost two weeks. 

On XX/XX/XXXX, I decided to use their chat bot to see if it could help withdraw funds. This generated an automated email to me, which isn't visible in the ticket history listing. On XX/XX/XXXX, I responded to that with my bank information, as requested in the email. 

As there has been no response to any of my prior tickets for a month, and eToro provides no other way to contact them, I'm not hopeful that my email will garner a timely response.
Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have had the account temporarily canceled for four months, where they ask me to withdraw the funds to completely cancel the account, but at the same time they have blocked me so that I can not withdraw my funds, I have ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Equifax keeps sending me codes by USPS mail to enter at their website... .I enter the code and it never works... all I get is a pop-up telling me to call customer service..I call customer service and they tell me they will text me on my cell phone ... I do not have a cell phone... They tell me that they will mail ( USPS ) me another code..I get the code in the mail and the same thing happens..It never works ... I have done this 4 times ... I have wasted hours on the phone with their 'customer service ' ... They refuse to send my credit report ... there is an item on their report that I want to dispute, but I need the details...
Consumer complaint received 2015-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Clearing House of America, Inc. (KY)

They are attempting to collect a debt that is not mine. It is a medical bill co-payment for my children under their fathers health insurance. I am not married to thier father. Our divorce states that he is financially responsible for medical insurance and expenses. I have notified the company of this by phone at XXXX. I have been getting repeated collection letters. After calling to notify the company that I this is not my debt on XXXX/XXXX/2015, I was yelled at on the phone by the answering representative who demanded to know my relationship to the insured and insisted that as a parent I was " 100 % responsible for the bill. '' I asked to speak with her supervisor. She then told me she was the supervisor. I asked to speak to her supervisor, after a brief hold, I spoke with a someone who identified herself as XXXX XXXX of Credit Clearing House of America ID # XXXX. She states that she has no direct phone extension and that the only other supervisor is XXXX XXXX, also with no phone extension. She refused to provided me a name for an owner or higher up representative of the company. She states that it is not her responsibility to investigate this claim and suggests that I send a letter addressed to the unnamed " owner. ''
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My Bank sends me a Alert it says Credit & Identity Alerts View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity. 
Someone is using my social security number
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NJ)

Called Equifax over the weekend to unfreeze my credit report. 
The call was directed to XXXX. When I requested a US based representative as I am entitled to, I was told that the US call center is " closed '' and if I want to lift my credit freeze that I must talk to the XXXX based representative. 
I believe that this response is illegal because under US law I have a right to speak to US representative to maintain my rights under US law.
Consumer complaint received 2016-12-14
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

Fraudulent, and unauthorized hard inquiry dated XXXX, needs to be removed and reported back to the credit bureaus for removal from my credit report. I do not recognize any application done with XXXX XXXX XXXX and its is a case of identify theft.
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I have been enrolled with PennyMac mortgage automatic ACH withdrawal and the bi-weekly payment program for several years. A bi-weekly payment of {$1200.00} is withdrawn from my checking account at least twice but sometimes three times pert month. I went on vacation XXXX 2016 and when I returned I noticed that PennyMac had failed to withdraw the normal bi-weekly payments from my account. No payments were made in the month of XXXX 2016. This is in violation of our automatic ACH and bi-weekly payment agreement. I believe PennyMac intentionally did this so that I can not pay my mortgage off early and save by reducing interest charges over time. This is the third or fourth related CFPB complaint I have filed on PennyMac in the past couple years and nothing helps! PennyMac is using predatory lending practices and not honoring their auto ACH bi-weekly payment agreement I signed.
Consumer complaint received 2019-05-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Dear Sir/Madaam : I have a USDA loan, 30 yr. fixed 5.5 % interest rate. I begin trying to get assistance from my mortgage servicer, Carrington Mortgage, in XXXX, XXXX. I made all mortgage payments up through XX/XX/XXXX even after being unemployed. This company has admitted on several occasions that they have a high volume of cases and that should not be at the expense of the consumer. To force me into Bankruptcy after I am more than capable of making my mortgage payments is unacceptable. I am attaching a list of all information that was requested by Carrington over the course of 10 months. Each request was due to a conversation that precluded from another request for documentation from Carrington and/or another cancellation of my request, forcing me to apply again. There are so many dates to this process that I actually have a huge box full of documents that are mostly requesting the same information over and over again. The RMA documents ( applications and re-applications ) were sent in XXXX, XXXX, XXXX, XXXX and now again, XXXX - because they denied me in less than 30 days from the last letter I received this month stating that I had 45 days for their decisioning. They told me today, that my request was just denied today for not providing a statement regarding my income from my temporary agency from XX/XX/XXXX through XX/XX/XXXX. I even mailed them two payments back in the fall of XXXX, only for them to return it as they stated that it wasn't enough to cover the outstanding amount ( that would have brought us within a couple of months outstanding along with the excess in the account ). Today they also emailed me a letter that I never received and it has this request as the last bullet but is dated XX/XX/XXXX. I have spoken with several representatives and have received what we thought would be satisfying information from two. I followed both their instructions, submitted documentation timely and was never asked to provide an explanation of my temp agency until today after " I feel '' that it was generated today while being placed on hold. They never asked about this income from XXXX until today. I have been told in the past that I was denied for the following reasons which resulted in my reapplication : documentation was not received, documentation was not received timely, I didn't make enough money even with my temp job and my spouse 's income and XXXX, that I would never be able to catch up, you're being cancelled because you can not be reached and your explanation of income with Talent has not been provided. I have a letter from them stating that they will be moving forward with foreclosure beginning next month. 

I want to complain and will be filing this with other entities as appropriate because this company needs to be investigated for its practices. I'm sure that I am not the only borrower who is experiencing this issue. I have been emailing, faxing and/or uploading documents to them since last XX/XX/XXXX.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (PA)

I suffered XXXX XXXX ang a XXXX XXXX and several other health issues. Became delinquent on our mortgage payments. Took about two years and a lot of effort but a mortgage modification was offered. We paid the three trial payments as stated in the modification contract. 3 payments of {$2100.00}. All stipulations in the trial modification period have been satisfied on our part. Modification was accepted by both parties. Paperwork signed, notarized and sent. Contract states as of XXXX/XXXX/2016 all documents are automatically modified. Made payments on XXXX/XXXX/16 {$2100.00} for XXXX & on XXXX/XXXX/16 # XXXX for XX/XX/XXXX. received bill stating I owe for XX/XX/XXXX still. Without permission used payment for escrow and part on XX/XX/XXXX? Turns out they say my payments needed to be {$2700.00}! Have talked to XXXX+ loan mod. reps but not answers, no return calls! They refuse to apply my payment where it belongs and never adjusted my interest rate! It is 5.25 when it is supposed to be 3.25 according to contract be XXXX/XXXX/16! Now they want {$2700.00} for XXXX! They violated the modification contract in several ways and refuse to abide by the modifications!!
Consumer complaint received 2024-01-14
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: WELLS FARGO & COMPANY (TX)

Subject : Unresolved Dispute - Wells Fargo Complaint to CFPB Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally lodge a complaint against Wells Fargo regarding their handling of my dispute. Below are the transaction details : - Amount : {$60.00} - Transaction Date : XX/XX/2023 - Posting Date : XX/XX/2023 - Merchant : XXXX XXXX, CA - Additional Information : XXXX XXXX XXXX CA Despite my efforts to resolve the matter directly with Wells Fargo, the dispute remains unresolved. I request your assistance in investigating this issue and ensuring a fair resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Account was paid off XX/XX/2022 it was sent electronically from my bank they didnt post it until after the due date and I was charged a late fee in XXXX i called and paid the extra interese charge I checked my credit report today and still shows the full amount open I made a disbute with XXXX  yesterday I have been on the phone to speak with for 2 hours still waiting. Come its XXXX XXXX XXXX
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed an account XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XXXX5.XXXX closed XX/XX/XXXX showing past due XX/XX/XXXX6.tsi XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.