davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Our forbearance plan is ending XX/XX/01 and we just received a letter saying that we got denied of any payment plan but to pay the $ XXXX in 2 weeks or short sale or deed in lieu were the only options given to us. I called them twice ( Specialized Loan Servicing ) asking for help but they said those were the only approved options. How is that possible? How can someone whos struggling to begin with pay all this at once? We need assistance in every possible way we can get.
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I have requested to provide proof of the debt, copy of statements, State the amount of the debt when you obtained it, and when that was, etc ... They were not able to provide any proofs and continue to report the debt to the collection agencies.
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (WA)

RE : CFPB # XXXX XXXX XXXX provided verification that they sent the correct tax amounts to Seneca Mortgage Servicing LLC on XXXX XXXX, 2014. 

Faced with this evidence, Seneca is now contradicting the statement they made to the XXXX that the error was caused by the " prior servicer 's tax vendor '' and have now stated to XXXX XXXX that the error was actually caused by Seneca 's own vendor, XXXX. 

I am currently unable to locate and identify XXXX and XXXX is not in the CFPB database.
Consumer complaint received 2024-03-14
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/24 XXXX called me to offer a 50 % discount if I pay 1 year in advance. Since the offer was sponsored by XXXX they requested two gifts cards total amount {$540.00}. I purchased the cards from XXXX ( XXXX location ) and called back to XXXX to provide the card numbers as requested. They were not able to give me a confirmation number for payment and I immediately called XXXX and they said they dont know about the discount or call or email. I run to XXXX store to request a void for purchase and they did not do it. I called Chase bank to stop the transaction but XXXX said its on pending status and can not do anything about it. I went to the bank today and they said they cant do anything since I personally used the credit card and bought the gif cards myself. Please help me recoup my money. 
Since then I am bombarded with unknown phone calls and also I have an email the fake XXXX send me re the transaction.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I have been trying to get a loan modification since XXXX and Ocwen is giving me the runaround along with being unfair, deceptive and abusive. Most recently, they have sent me an offer for a Streamlined Hamp modification knowing full well, or at least they should as I have disclosed it from my very first XXXX, that I own more than XXXX rental properties exclusive of my principal residence. They have also made the offer in my ex-husband 's name irrespective of the fact that I have submitted a copy of my divorce decree countless times and the fact that the information on the XXXX was mine, and mine only and had XXXX information regarding my ex-husband, who has had no interest in the property since XXXX.
Consumer complaint received 2016-01-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (VA)

Back on XX/XX/XXXX, I wired some money to my cousins bank account using western union, when my cousin went to the bank on numerous occasion 's to get the money, she was notified by the bank that the money was not there, I contacted western union about this and had an investigation done. since then, the money has still not been picked up by my cousin and the bank confirms that the funds are in the account, but they keep telling my cousin that the money is not there. Her account is currently closed and the bank refuses to furnish western union with the proper documentation needed to refund my money. it has been over 30 days with no results.
Consumer complaint received 2015-11-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services (DE)

BYL is listed on my credit file as an unpaid debt. I have no idea what this is for, and they have never sent me anything. This is unfair collection tactics to just place something on someones credit file without verifying if the debt is valid. I want this removed from my credit file. They are causing me financial harm because I am trying to refinance my home. Their tactics are deceptive by never contacting me before putting something on my file that is not mine.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I received an email welcoming me to chime, despite my never contacting the company to open a new account. 

I then received another email telling me that a debit card was being sent to me. 

I went onto the website for Chime to see that an account in fact was created in my name, but had no balance. 

I then called Chime to close the account. 

I have received an email confirming that the account is being closed.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports efffective immediately. Iam attaching proof that XXXX has admitted that was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my all 3 credit reports.
Consumer complaint received 2024-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NY)

Request for Assistance and Investigation Regarding Misrepresentation in Car Loan from XXXX XXXX XXXX XXXX And Westlake Financial Services I am achieving out to are trying to find your help and guidance concerning an issue I actually have encountered with the acquisition of my use automobile from XXXX XXXX XXXX XXXX. , positioned at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, and the related financing thru Westlake Financial Services , located at XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I entered right into a vehicle buy settlement with XXXX XXXX XXXX XXXX For a XXXX XXXX XXXX . The marketed rate for the automobile become barely over {$10000.00}, which initially attracted me to the auto. However, upon reviewing the contract, I observed XXXX additional charges that had been now not disclosed during the purchase procedure. These undisclosed expenses significantly improved the general price of the car, a fact that changed into now not transparently communicated to me in the course of the negotiation and purchase. 
Furthermore, upon nearer inspection, I noted that the real mileage of the car changed into higher than what was to start with marketed. This discrepancy increases issues about ability misrepresentation and deceptive advertising practices employed via the dealership. It seems that false or misleading information may also were supplied of their commercials, influencing my decision to buy the automobile. 
As a result of those findings, I believe I have been subjected to unfair treatment as a customer. Therefore, I am attaining out to request your assistance in addressing this rely with an appropriate regulatory frame, particularly the Federal Trade Commission ( FTC ), to request an investigation into this be counted and to searching for intervention.

I accept as true with that the dealership may have engaged in deceptive advertising and marketing and pricing practices, ensuing in financial harm and unfair treatment to me as a patron. I kindly request that the FTC very well look into this remember and take suitable movement to make certain that my rights as a patron are blanketed. I am keen to cooperate completely and provide any further statistics or documentation that can be required to guide your research.

It is disheartening to find myself in a scenario wherein I am procuring a used vehicle as plenty as a brand new car rate due to undisclosed prices and potential misrepresentation. Your prompt interest to this rely would be significantly liked, and I sit up for a resolution that upholds fairness and transparency in patron transactions.

Should you require any further records or clarification, please do not hesitate to contact me at [ XXXX XXXX XXXX ] XXXX Please see attachments in your evaluation. 

Thank you on your interest to this count number. 
Sincerely, [ XXXX XXXX ]
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

For nearly a year, I have been unable to access my FICO score online as promised by American Express. I contacted American Express several times during this time period, and after each call, I would check my FICO score online, and each time I would be unable to access my score. More recently, I made telephone calls to American Express at ( XXXX ) XXXX regarding this matter. The most recent of these telephone calls resulted in the following tickets being opened : ticket # XXXX opened on XXXX/XXXX/2016 and ticket # XXXX opened on XXXX/XXXX/2016. To date, XXXX/XXXX/2016, I am still unable to access my FICO score despite repeated calls to American Express customer service ( XXXX ) XXXX.
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Russell W Richardson, Attorney at Law (TN)

Received phone call from XXXX XXXX XXXX XXXX stating that they were DFC legal services and that my wife owes them money from10years ago. We contracted the actual company that she owed money to and they said that the debts so old that it did n't to be paid and that the collection had already been sold and that was n't too XXXX legal. They continue to call back even after a years worth of time and have yet too send any requested info to our address.
Consumer complaint received 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (FL)

In XXXX Wells Fargo transferred servicing of my mortgage twice and then claimed it had " no interest '' in my mortgage. I complained to CPFB at the time that this was an effort by and between Wells Fargo ( a well documented criminal organization ) Loan Servicing and XXXXXXXX XXXX XXXX to steal the equity I had built in the house by falsely claiming I had missed a payment, charging late fees and putting my loan in delinquencey and attempting a foreclosure. They failed but the damage to me was done in that I was charged extra at closing to sell the house based on the criminal falsehood that I had missed a payment ( your file should contain copies of proofs of payment from my bank sent certified to these companies ). So I paid extra ( was robbed ) at closing in XX/XX/2020 and had my credit ruined for like three years. 

Now I have in hand an admission from Wells Fargo in the form of a {$200.00} check ( No. XXXX ) that arrived with no explanation dated XXXX. The memo says cryptically " For XXXX XXXXXXXX ''. Please note " XXXX '' was the street address of the mortgaged property. Why would WF send me a check for {$200.00} some 3 years after it asserts in writing in your files that it " no longer had any interest '' in the mortgage? 

This has to be an admission to some past crime or other violation of my rights I tried to have vindicated back then. I am not accepting {$200.00} is settlement of their violations. Please investigate and advise what this check is supposed to represent. I will hold the check as evidence until my questions are answered ( along with the follow up letter from WF a month later urging me to cash the check. Thank you. 

XXXX XXXX
Consumer complaint received 2016-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NOVA Financial & Investment Corporation (AZ)

Nova financial, you are better off finding another lender. I started this horror story on XXXX XXXX, 2016. Put in an offer on a house out in XXXX, for glorified car loan ... ..after 4 long months of fighting the staff at Nova Financial in XXXX, AZ. and having my loan pushed back literally 5 times, on the day of the long awaited closing, XXXX the paperwork, title and deed, and told me in order to get things right was going to cost me some more money, after all ready costing me in time, extra costs, termite exterminator, a handy man and a very XXXX appraisal. Over all, my closing costs doubled, and I have to pay more money out of pocket to get done what they should have done in in the first place ... ..as a customer, I have the highest dislike for this company, they are unprofessional, un-courteous and down right rude, waiting for the mast minute to extend the process even longer, 4 times. After buying and selling around XXXX homes, this was the most agonizing experience I have ever had or seen. People, please do not use Nova Financial, you will only be left with aggravation and may still have to pay more in the end to get the job done.
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

On XX/XX/XXXX and XX/XX/XXXX I purchased six Vanilla Visa gift cards ( distributed and serviced by Incomm Financial Services , Inc ) at a local XXXX XXXX XXXX  supermarket. Four of the six cards were used within the following XXXX days and two of the cards remained unused. On XX/XX/XXXX the balances on the two unused cards were checked at the Vanilla gift card website ( XXXX ) and both had the same balance they had when purchased ( {$480.00} and {$500.00} ). At the time, I was going to register the cards in my name and address, as I had with other gift cards, but was surprised to find there was no way to do it. On XX/XX/XXXX when trying to use one of the cards to make an online purchase the payment was declined. I immediately checked the balances of both cards at vanillagift.com and the remaining balance was zero on each one. It showed both cards were used to make large purchases at XXXX on XX/XX/XXXX that drained all of the funds. The transactions made at XXXX are all fraudulent. Both cards have been in my possession ever since buying them and I nor anyone known to me has ever used them to make any purchases. On XX/XX/XXXX, I filed disputes of the fraudulent transactions with Incomm at XXXX  and pictures of the cards and the receipts were emailed to them as requested. On XX/XX/XXXX the status of the cases at vanillagift.com indicated the cases were " resolved '' even though no correspondence was received by me from Incomm since filing the disputes.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sachs abruptly closed my Apple Card and e-mailed me a form letter stating that I had violated the user agreement. I have NEVER missed a payment and I have never used the card to violate any terms listed in the user agreement. 

I asked for an explanation and apparently, Goldman Sachs doesn't know why the account was closed. I have great credit and I have never missed a payment with anyone.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (IL)

Over the last year, Ive been trying to access my cryptoXXXX  funds in the Crypto.com app I have reached out to several support agents and none and were able to help me. actually even responded to me. Ive been reaching out over the last three months periodically and have not even gotten an email response. This problem has been going on for about a year now and I dont understand why there is no other form of contact.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent numberous request for my credit reports, from all three bureausXXXX XXXX XXXX AND TRANSUNION, and have received no reports. I have disputed items on my credit reports to all three bureaus and i have not received any reports, I have provided them with copies of my drivers license, and social security card and I have not gotten a response.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Foris DAX, Inc. (CT)

Hi, I have tried to contact the Crypto.com XXXX support in order to close my card with them starting on XX/XX/XXXX, but have been ignored after a lot of attempts to contact them. I sent a support message on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the app and via email with no response. I tried calling their support number and it just continues to ring with no answer until I'm disconnected. I don't know what else to do in order to cancel this credit card. There is no balance on the account. 
Thanks, XXXX
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo services my mortgage, I like to keep a couple of payments ahead, so I am paying my mortgage a couple of months in advance. 

The other day, I received a bill from Wells Fargo that I was pass due on my loan, and owed late charges. I then called Wells Fargo and explained that not only was I not delinquent, but I was paid through XX/XX/XXXX. They then pulled up my account and noticed the payment I made on XX/XX/XXXX which clearly states on the check it is for the XX/XX/XXXX payment was posted by Wells Fargo as principal payment only. 
Thereby not posting my XX/XX/XXXX payment in full! Making it look like I never paid my XXXX bill. So I asked them to repost that XXXX payment correctly and bring my account up to date through XX/XX/XXXX, and drop the late charges because my account was paid in full through XX/XX/XXXX. They declined, stating it happened more then 90 days ago, and it was Wells Fargo policy not to correct it, if it happened more then 90 days ago. They then said I would have to make a new XX/XX/XXXX payment in order to bring my account current. 
So I am end up having to make XXXX XX/XX/XXXX payments. 
I asked to speak to a manager, the first thing the Manager told me is she could not help me, because the mistake had been made more then 90 days ago, and it was Wells Fargo policy not to correct the mistake if it happened more then 90 days ago. 
I then asked how this mistake could happen, the check clearly stated in was a payment for XX/XX/XXXX, how could Wells Fargo post the entire check to principal, and not post it for the XXXX XXXX. She claimed it was the fault of their software, if you make to many payments in advance their software decides to post the payment to principal, and not post the payment as a regular payment. 
Once again, by making me make XXXX monthly payments on my account, to cover XXXX monthly payment puts financial distress on me, when this could have been corrected by going back and correcting the error made by Wells Fargo, and posting the payment correctly.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Fraud from XXXX I d0 n't have exact dates because the transactions never post to my account and never show on my checking account statement. I get 2 checks directly deposited into my checking account the first week of each month the total for both checks deposited be less than the 2 checks amount to. In XXXX i started getting weekly unemployment payments directly deposited into my account it was over XXXX and most of it disppeared from my account. I would make withdrawals using atm get the receipt go to my online account days later and the availible amount show less than my receipt from atm show.Money would disappear from my account and never post to my account and never show on my statements. I would call customer service to resolve each issue but they was not able to help because they too was unbale to see the transactions and withdrawals that i didn't make. I just found out about cfpb
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Cashed a check for {$1400.00} on XX/XX/XXXX. I was with my daughter and we always count it. We received {$1400.00} in cash. 

I use telephone banking to verify checks that have come through. On XX/XX/XXXX, {$100.00} was taken from my account. I was not notified. I called the bank the next day and they said that we received {$1500.00} instead of {$1400.00}. I am in a wheel chair and I had to get my daughter to take me to the bank to try to straighten this out. At that time, Wells Fargo said the teller was not short? So how many people are they doing this too? I can't understand how Wells Fargo can take money from someone's account like this. 

On a letter dated XX/XX/XXXX, they said they were going to research this??? Manager : XXXX XXXX at XXXX and XXXX, XXXX, Texas. ( Attached is letter with information ) As of XX/XX/XXXX, this is still a problem. One of my daughters use to work for the XXXX. She said she can't believe that they could get away with this and wonders how many people they are doing this to. 

Something needs to be done about this. Please help me! What if I had not checked my account?
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

i was contacted by Portfolio Recovery associates XX/XX/2016 stating they bought a debt from XXXX XXXX that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.