davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-17
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (OR)

XXXX/XXXX/2015 XXXX fraudulent transactions were charged to my serve prepaid debit card from american express I immediately contacted american express customer service, they stopped XXXX of the transactions from posting, but the XXXX other fraud charges were posted AFTER I had spoke with their csr - those XXXX transactions were debited to my account, and the csr told me they will cancel the current card, reissue a new one and that I should transfer all active card prepaid funds to my serve reserve account so the fraud would not continue. I did as I was told. 

received the new card, however American Express Serve Card has locked my account. I can not use my funds that they have, since I can not access my account nor activate the new card. 

I escalated to a supervisor at the XXXX Call Center they can not do anything my account still controlled by their fraud dept I have spent a total of 161 minutes on the telephone with the Serve Customer Service team located in the XXXX the Customer Service Rep states they will connect me with their frad department which has locked-out my account - THE CSR NVER CONNECTS ME TO THEIR FRAUD DEPARTMENT They are holding my funds and I have no way to have any type of access too my funds via their prepaid debit card or my account access. 

I AM TOTALLY LOCKED OUT AND THEY ARE HOLDING MY FUNDS.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (KY)

My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, XXXX to remove, till date nothing has been done. EQUIFAX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.
Consumer complaint received 2022-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

MIDLAND MORTAGE. 
In XX/XX/XXXX my payment went from XXXX to XXXX a total increase of XXXX per month. I have contacted them till I am blue in the face. They just keep explaining the escrow process to which I know. I went on line to look a the escrow info. My escrow did indeed increase but only by {$41.00}. In XX/XX/XXXX I had a huge jump in my payment. Once looking into it, i saw they went and purchased insurance for the house of over {$5000.00}, which is an insane amount for my home. Causing my payment to go from I believe XXXX per month to XXXX. I couldnt afford that. I found my own insurance with the exact same coverage for {$1600.00}, bringing my new monthly payment down to {$1300.00}. What they have done is taken they highest amount of {$1500.00} to which I only paid that amount for about 4 month 's until my new coverage. And added the XXXX to that causing me to now have to come up with {$1500.00}. The new amount should have been calculated off my payment of XXXX having a new total of {$1300.00} not XXXX. I have had to rent a room out because this is just too much. This has been going on since XXXX to which no-one has corrected.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (PA)

XXXX XXXX XXXX has been sending letters and calling me stating I did not return my cable box. I returned the box when service ended and obtained a receipt that I faxed over with my dispute to the original debt collector. This must have been sufficient as I did not hear from any other debt collectors for over a year. Within the past few months I started receiving letters in the mail from a different debt collection agency, so I assume the debt was just sold to a different agency to try and collect on a false debt.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have owned my home for nearly 25 years. I have never had any problems with my mortgage company or making my payment until recently. I am now facing foreclosure and feel that my lender Nationstar Mortgage is not allowing me the chance to fix this problem. I suffered some major health problems in the last couple of years and have been unable to work. I am awaiting a XXXX hearing this XXXX, at which time I will most certainly be awarded benefits. I have informed Nationstar of this situation and they are aware and told me they would work with me and just wanted to be kept in the loop. Well I have done this with them and they told me it would all be fine. But now they have started sending foreclosure notices to me in the mail and are moving to set an auction for my house. I do not want to lose my home that I have owned since 1994, I have nowhere to go and have made thousands of dollars of payments over the years. I understand that Nationstar received millions of dollars in taxpayer bailout funds and that they are obligated to work with struggling homeowners. I also understand that there are various programs for people who are unemployed or become XXXX that allow a deferral of payments while the situation gets figured out. Believe me, if I could work and pay Nationstar right now I would. 

I worked as an XXXX for 30 years and made a good living. However, after years of hard work my body suddenly started to give out on me. I was XXXX and then with an XXXX. Not long after that I had to have XXXX and then also on XXXX. I am an excellent candidate for XXXX but have been waiting nearly THREE YEARS for my hearing which is coming up in a couple of months. 

I do not want to lose my home at foreclosure auction and I do n't know why Nationstar is not considering me for unemployment programs that allow homeowners to defer past due payments while awaiting employment or the receipt of XXXX funds. I am concerned that Nationstar is not allowing me access to these programs and not giving me the chance to save my home Once my XXXX is approved I know that some type of plan can be worked out. My delinquency is close to {$5000.00} at this time. This is more than I could possibly pay in a lump sum but it is not such a large amount that this situation ca n't be figured out. I am asking for some compassion from Nationstar, and the chance to be considered for all available programs. Right now I am at their mercy as I do not have any type of steady income but I assure you that after this XXXX hearing I will be granted benefits and will be able to get back on track and make timely payments for the rest of the life of this loan. I wanted to inform your office of this situation in hopes that you can assist and persuade Nationstar to allow me the chance to save my home through this program.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

My wife and I had first mortgage thru XXXX and loan was owned by XXXX. My wife was unemployed for nearly an year and received unemployment benefits in XX/XX/XXXX/XX/XX/XXXX. During that we were late in monthly mortgage payment to XXXX for several months and then we paid on time each month a reduced amount as stipulated. However XXXX reported to credit bureaus we were seriously delinquent for 11 month period and did not pay the mortgage at all and that is misrepresentation of the fact. This faulty data messes up the Credit score and we were unable to refinance the mortgage in XX/XX/XXXX.
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Talked to someone not related to me about debt and left information about debt with my name on front door where everyone could see it and read it. They are also listing someone else in the document I do n't know, does n't exist and/Or has nothing to do with this debt. The documents were so cigarette smoke infiltrated they made me sick.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (SC)

On XXXX the XXXX I have purchased flights for my family in the amount of {$2000.00} with my Barclay XXXX rewards credit and. The credit card got declined a few times, there for my credit card was canceled and replaced by Barclay, on XXXX the XXXX the temporary transaction disappeared from my statement, Ive waited and the on XXXX the XXXX Ive called the merchant to check the status of the flights, the merchant told me that there was a problem with the money and that I need to call Barclay to have them release the founds, on the same day XX/XX/XXXX Ive called Barclay and the agent told me that he is not seeing any transactions and that he cant help me release the money for the flights, on XXXX the XXXX Ive canceled and rebooked the flights since my Barclay card got canceled Ive paid with my back on XXXX credit card. 2 days later on XXXX the XXXX the merchant changed me for the canceled flights. Barclay is not helping me resolve the problem they caused, I had them open a case but no one called me, I kept calling to let them know the situation, they just been promising that everything will be taken care of, now they closed the case please help
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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.
Consumer complaint received 2017-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: KEYCORP (WA)

I applied for a HELOC with KeyBank. After a week I was informed that my credit score was too low and would be turned down. I was told my score was XXXX. My scores are in fact XXXX points higher than that, in the XXXX-XXXX range, and no where near a XXXX. I produced valid XXXX credit reports from other lenders to prove this and was told it would be investigated. After an " investigation '' I was told that KeyBank uses a different scoring system with XXXX than other lenders. I was then then told that I could re-apply with a different division of KeyBank that would pull a credit report from a different reporting agency. Unfortuntely after attempting to do so I was told that would not be permissible for another 60 days. I have never heard of one bureau reporting scores to a bank that are XXXX points lower than what they are reporting to others. I do not feel that I should have been subject to waiting a week to hear this news after having submitting all of my required income documents at the time of application.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I am XXXX XXXX, and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these accounts violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2017-01-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

Commonwealth Financial could not verify original creditor or account number, I have not received anything from this company in writing informing me of the debt collection, and debt is on my credit report XXXX times, for the third time. This debt which I noticed on my credit report a long time ago just fell off of my report for the second time in XX/XX/XXXX. The debt showed up again on XX/XX/XXXX and was reported XXXX times on my report instead of just once. This company is falsifying dates so that they XXXX continue to collect on a debt that is void due to statute of limitations. They are now claiming that the date of service was on XX/XX/XXXX. I called every hospital in my area with XXXX to try and verify the date and none of them had anything with that date or anything close to it. That date is also my mother 's birthday and I know for a fact that I have never been to the emergency room on her birthday.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I applied for a Chase XXXX XXXX XXXX. My application has been denied several times allegedly due to an extended alert from XXXX. I have called the specified XXXX phone number numerous times and XXXX has no extended alert on my account. I tried to resolve this through the Chase branch ( as Suggested ) without success. In over 7 hours on the phone with chase and XXXX hours in the branch, no one at Chase has resolved the issue.
Consumer complaint received 2016-07-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX XXXX 2016, I had {$86000.00} stolen from me via wire instructions emailed to me by Attorney XXXX XXXX from her business email XXXXXXXXXXXX and her business XXXX in XXXX XXXX, Florida. These funds were the balance to close on my purchase of a condominium and I had hired XXXX XXXX and XXXX XXXX to handle the closing. From XXXX XXXX 2016 through XXXX XXXX 2016 XXXX and I and others in her office exchanged more that 30 emails regarding the closing via the email address she shares with her employees, XXXXXXXXXXXX. 

As arranged with XXXX, I arrived at her office on XXXX XXXX 2016 to complete the closing. XXXX met me at the door and asked if I had wired the funds. When I informed her I had, XXXX told me right away she 'd been hacked by some foreign criminal in XXXX, XXXX, or XXXX and that this happens all the time. I was in shock. 

On XXXX 's advice I went with her to the XXXX XXXX Police Department, where she described herself as the victim. I made it clear to the police that it was my funds that were stolen not hers. On XXXX XXXX 2016, I submitted a wire recovery with USAA to the receiving bank, XXXX XXXX XXXX, but as of today there is no reply to this. 

On XXXX XXXX 2016, when I asked XXXX about reporting this to her insurance, XXXX stated to me that her insurance will not cover wire fraud so she will not report it. I know that if she had reported it, there is at least some likelihood the insurance would have helped to resolve the issue, but XXXX stated she would not report it. 

Also on XX/XX/XXXX, XXXX, advised me she was willing to resolve the issue and offered me XXXX % of the lost funds and to take a XXXX % ownership in the property. Alternatively she offered me a loan for XXXX % of the balance so that I could close. She also offered me the funds to close but stated that any valuation in the property value when I sell would go to her. She refused to put any of these offers in writing. When I told her that I felt incapable of negotiating with her, a real estate attorney, she told me if I get an attorney to negotiate for me, then she will get an attorney and implied that she will not cooperate in resolving the issue. 

On XXXX XXXX, My attorney demanded a copy of her malpractice insurance which her attorney delivered today ( XXXX XXXX ). I understand that the malpractice insurance has an effective date of XXXX XXXX 2016 indicating XXXX may have been uninsured while she was assisting me on XXXX XXXX 2016. This is grossly negligent and puts her clients at risk. 

I was acting in good faith dealing with a title agency owned my a Florida Real Estate Attorney who should have protections so customers do n't sloe their life savings like I have. It does n't seem fair that this title agency can just walk away from this failure of hers and that I suffer the loss. I need your help. Thank you. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TN)

I submitted applications for Income-Driven Repayment ( IDR ) and Public Service Loan Forgiveness ( PSLF ) on XX/XX/XXXX. Around the same time, my loans were also consolidated. 

The IDR was supposed to limit my monthly payments to 10 % of my monthly income, but my payments were only lowered to about 24 % of my monthly income. I called multiple times to inquire about this, and was ultimately told that my total loan amount was so high that it would not be possible to limit my payments to 10 % of my monthly income. I was reassured that I was enrolled in the PSLF program, however. On XX/XX/XXXX, I called about a different problem, and decided to ask about this issue again. This time, I was told that my IDR application was received but never processed. There was no further explanation. I was told that my initial application ( the one that was received XX/XX/XXXX but ignored ) had expired, so I submitted a new application that day. I was told again that I was enrolled in the PSLF program, though. 

On XX/XX/XXXX, I called to check on the status of my new IDR application. I was offered the option of postponing my current month 's payment until the new IDR application was processed, and I asked if that would affect my PSLF payment plan, since I am supposed to make consecutive monthly payments for ten years to qualify for loan forgiveness. I was then told that I was not enrolled in the PSLF program. I was given a different phone number to call to verify this. I then called that number and reported that I had submitted my PSLF application on XX/XX/XXXX and I provided the fax number I had submitted it to. I was told that, while that was the correct fax number, my application was never received. Again, I submitted a new application XX/XX/XXXX. 

My total federal student loan amount is over {$400000.00}, and I have already made XXXX ; {$20000.00} in payments in less than a year. I am extremely concerned that over the course of multiple applications submitted and many phone calls made, I have essentially been lied to about the status of my applications and the reasons for why my monthly payments are so high. Even if I had not been lied to, I now have XXXX applications that were never processed for unknown reasons - the IDR that I am told was ignored and the PSLF that I am told was never received. I am reaching out to the CFPB because it is impossible for me to advocate for myself when I am not even being given accurate information by the lender.
Consumer complaint received 2020-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

PayPal has ruined my finances. For 6 months this year, it has horror after horror. Everything is automated to cut cost and their algorithm is broken to the point where I had to give up. 

I had to apply my ID 4-5 times. The SAME XXXX  ID card. 

I sold a few items on XXXX  and they demanded to see my suppliers invoice. I XXXX XXXX XXXX XXXX fXXXX XXXX XXXX!!!!! 

They protect fraud buyers who say they never received item when they received it. 

They never tried to listen to my attempts to rectify the situation. 

Prior to the pandemic, they barely provided any help besides their empty faux apologies. Since the pandemic, it's been a joke. They literally took the pandemic as an opportunity to not provide service of any kind.
Consumer complaint received 2022-07-21
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-04-19
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: Santander Consumer USA Holdings Inc. (AZ)

I Have never applied for credit in the years before. When i started to check my credit in 2017 i realized that someone was using my social security to work and to obtain credit. I filed a identity theft report. All accounts have been removed from my accounts that were not supposed to be there but 2. XXXX account and Chrysler capitol. I NEVER signed any paper work or obtained loans from these creditors. I asked Chrysler capitol to give me information on the person that obtained the loan. They didnt want to. They just kept saying that these are my loans. THEY ARE NOT. They didnt have any employer information, how would they give a loan to someone that didnt have a job? i need this removed from my credit NOW!!!