davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (UT)

XX/XX/XXXX mortgage payment was made before XX/XX/XXXX. Caliber is reporting this payment as a 30 day late. Would like to have this removed from credit report. My husband and I have no record of 30 days in the past 10 + years.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (TX)

I have an account on Blockfi and they have paused withdrawals. I made attempts to withdrawal XXXX on XX/XX/XXXX and the date of delivery is set for XX/XX/XXXX however I have not received anything.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

XX/XX/22 My card was stolen ; I still do not know how, but when I went to use my wallet the next day I noticed that my card was missing. It was used for many charges that I disputed as fraud as soon as I found out. Discover removed them from my bill and placed them back on my bill today XX/XX/22 without any further information.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 I was reviewing recent charges to my Citibank Visa credit card ( XXXX ) charge and noticed a large charge for {$830.00}. I did not recall any purchases of that amount and reported the fraudulent charge to Citi on XX/XX/2022 95 days after the reported charge ). This is shown on their website under fraud claims, see attached print screen. The claim was denied and forwarded within Citi from their Fraud Claims Department to Disputed Claims Department. This transfer was not at my request. On XX/XX/2022 the Disputed claims gave a credit of {$40.00}, again, this was not my request and is not a satisfactory outcome to the fraudulent claim. I have followed up repeatedly, requested any copies of original receipts showing my signature for the purchase and I have received nothing from Citi showing such a purchase. On another follow-up call in early XXXX, I was discussing the claim status with the fraud department and they transferred me to the dispute department who on XX/XX/XXXX attempted to reopen the claim as a fraud claim and they advised me to follow-up in 5-10 business days. With no update to the claim, no re-opening as of XX/XX/2022 I am filing this claim in hopes of a satisfactory resolution to this issue.
Consumer complaint received 2022-08-04
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. (TN)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Hello Good day! 
I have been using PayPal since 2017 and during this period I don't use PayPal too much last few month I stared using PayPal and receiving payments from my clients.I have updated my personal account to my business account and the limitations was placed on account immediately PayPal asked me to provide XXXX things proof fulfillment photo id more information about transactions i have XXXX $ in paypal account I provided them all information and photo id document but after 2 days I was received email from PayPal we have permanently limited your account you can no longer do business with PayPal I don't now why all this happened I tried to contact with PayPal but I have not found any reply kindly Help me in this matter and help me in getting back my account Account Details : First name : XXXX XXXX name : XXXX Email address : XXXX Pp reference id : Ref ID - XXXX
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.
Consumer complaint received 2016-07-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I received a letter from Ocwen dated XXXX XXXX, 2016 stating the property address in their records does not match our property. The property address listed in the letter is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and our property address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Ocwen also has lender paid mortgage insurance and the property address on the policy is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX thru XX/XX/2019 I preformed a manual audit on my account. 

I went on my online bank account and added all off my debit transactions that appeared on my ledger. 

When I added my entire ledger, I discovered lots of transactions the look malicious and a lot of these transactions appears to look really that exhausted {$110000.00} in funds into my account to exhausted my balance. 

I have made mortgage payments that I did not see not other funds that was deposited into my account to pay my mortgages. 

I did not make these transactions. At least a large some of them. 

I spoke with the bank to inform them from the record I was going to complete a manual audit on my account. 

I am aware that these actions have happen before on my dad deceased account where money was withdrawn from his account on the day of his death by a poa. Then the statements said something different. 

I went into a branch and a personal banker told me this and I have not been able to recover those funds from the fraudulent act.
Consumer complaint received 2022-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (TX)

I sent them a notice of dispute, debt validation letter and a letter of demand. Then I let them know the law says they cant collect until they resolve the dispute and there still trying to collect the debt, by telling me I still owe them and I still need to pay them by the 3rd.
Consumer complaint received 2015-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Ability Recovery Services, LLC (TN)

When requested validation of debt a rep by the name of XXXX XXXX screamed at the top of her lungs and told me to pay my bills after calling me XXXX I requested twice for debt to be validated still no response requested this within 30 days allowed. This company placed on my credit report without validating debt with me and also I stated I do not deal with third party collectors. They have still harassed me to the point I had to block their number. And mail a letter stating that if they continued to contact me I would file a complaint and or seek legal counsel. I do not owe this debt I advised original creditor to validate the debt and they refused to validate debt in writing.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX Experian and since XXXX 2016 wont remove inqiuries. Stated will take 30 days for banks and institutions to respond. 30 days went by and report has not changed. Called today XXXX XXXX, 2016 and getting same statement that I have to wait 30 days for investigation of inquiries which I have no contract or agreement of service.
Consumer complaint received 2022-01-27
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: DISCOVER BANK (TX)

Hard Inquiries for opening credit lines using my SSN but not made by me for the following companies : XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX - XX/XX/2021 Discover - XX/XX/2021 XXXX  XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX  XXXX - XX/XX/2021 Discover - XX/XX/2021 Phone calls have been made to the credit Bureau they told me I had to call each company individually which sounds ridiculous since none of these false inquires were created by me. Ive called XXXX XXXX and had an opened fraud account closed and they said I had to talk to the application department to remove hard inquires, which I was on hold with for an hour before being disconnected. Id like all of these false inquires to be removed as they are unfairly impacting my score. Please let me know what else is needed to remove these inquires.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OLIPHANT FINANCIAL, LLC (DC)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT oliphant USA Oliphant USA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and against federal law, and florida and DC XXXX XXXX illegally and unethically accessed my credit report, which has an active freeze and fraud alert on it. this is violating federal and state law and they have been reported to the florida attorney general, local law enforcement, XXXX police department for fraud and ID theft, and the CFPB. This is illegal and you will stop accessing this XXXX persons and veterans credit reports immediately or i will file a multi millions dollar lawsuit against you for fraud pain sufferings and emotional distress!! cease and desist your illegal activity now or i will file criminal charges against you and sue your company for XXXX of dollars!! leave this XXXX person and veteran the XXXX alone and stop violating the law!!!
Consumer complaint received 2016-12-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Several years ago, OCWEN Financial assumed XXXX mortgage loans I 'd had for several years with XXXX. In spite repeated calls over the past several years to change my mailing address after having moved almost XXXX years ago, Ocwen has failed to make the change. A year ago, I left my job of over XXXX years and also had to change my email address. Again, Ocwen failed to make this change. In XX/XX/2016, after the death of our XXXX son, I failed to make my normally scheduled payment. When I logged in to make the payment in XX/XX/XXXX, I realized my mistake and used Ocwen 's internal system to make 'emergency ' payments on both of my accounts that would post that day for the amount listed as due. In XX/XX/XXXX, when I again logged into Ocwen 's site ( remember, I get NO correspondence from Ocwen because they have never updated my contact information ), I found out that XXXX of the XXXX 'emergency ' payments had not been posted. I also discovered that the minimum payment on the other account had been quadrupled from roughly {$800.00} ( including taxes and insurance ) to over {$3200.00}. I immediately paid the total amount due on both accounts and called Ocwen 's Customer Service support and asked them to address XXXX items : 1. Only XXXX of my payments had been credited from the month before. I did NOT ask Ocwen to waive the late fee they had charged, but simply asked that no late payment would show on my credit report. I had used their system to pay the total amount owed but only XXXX account was credited with the full payment due from both accounts. The customer service representative told me that he would 'open a case ' regarding the matter, but I have never heard back from the company. 
2. I asked that Ocwen update my contact information. I was told by the representative that, in order to do that, I must submit the changes in writing with my signature separately for each account. I have several mortgage accounts, both personal ( primary residence and income property ) and commercial..I have never had a mortgage holder require a written statement to change an address. Every other lender with whom I do and have done business ( XXXX, XXXX and XXXX Credit Unions, all allow changes to be made online after identity verification. I believe it is incumbent on Ocwen to make sure that customer 's can receive statements, communication and notices. I have since sent in the change of address notices ( by the way, I was told that separate written notices must be sent for physical mailing address change and email address change ), but there is no indication on the website that the changes have been made. 
3. I asked that the minimum payment on my mortgage loan be re-instated to the original agreement. The death of our son was an extraordinary circumstance and our loan has been in good standing for many years. I believe that accelerating the amortization schedule on the loan for XXXX late payment is opportunistic and predatory behavior on the part of Ocwen.
Consumer complaint received 2022-11-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

IIn XXXX of XXXX someone had used my persona information fraudulently to obtain an Auto Load Through Wells Fargo Auto. The address used was not my address, The signature is not my signature. And, at the time of the fraud I was not residing in the United States, I was residing in XXXX XXXX, more than XXXX time zones away on the other sides of the world. I currently live in XXXX and have resided in XXXX since XXXX. I rarely come back to the US. However, this account appears on my Credit History and as I have explained to Wells Fargo several times, the account is NOT mine, I didn't apply for or Open this account, I reside on the other side of the world, and I am unable to obtain a Police Report from a US Law Enforcement agency because I the account was applied for then charged off several years ago and no law enforcement agency will accept a Police Report. Complicating the problem, I do not have a perinate US address, Wells Fargo will not send documents via email or overseas, and they will not accept a Police Report from a XXXX XXXXXXXX XXXX XXXX. I never applied for, opened, or benefited from the fraudulent Auto Loan Account, the account is nearly 7 years old and charged off almost 6 years ago and needs to be removed from my credit report immediately. The account is NOT mine, I never applied for it and I have done everything possible to resolve this matter. I am unable to obtain a police report since I do not reside in the US, and no one will take the information for a police report due to the age of the account and the fact I do not reside in the US> I just want this account removed NOW!!
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Back in XX/XX/XXXX I applied for forbearance due to Covid-19 and my husband and I were unemployed, were forced to close down our business. We were collecting unemployment which was not enough to cover all the bills. during this covid time, I was diagnosed with XXXX XXXX and went through XXXX and treatment. My forbearance ended on XX/XX/XXXX, My husband and I are back to work and doing very well financially and have saved up {$50000.00}. I applied for loan modification, and advised them I Have {$50000.00} to pay towards the past due amount and if they give me some kind of plan for the remaining. I was denied, I applied for repayment plan, was denied, I applied for deferment, was denied. Basically, I was not given any options besides, pay back payments in full or we foreclose. 
If they were not planning on offering any assistance, they should of not approved the forbearance and said you don't qualify. Now I have a past due of {$97000.00} and they want all of it at once. No plan at all.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

EQUIFAX is currently reporting that I have : 1. A revolving utilization of 125 %. The is wrong because I currently have no revolving accounts. 
2. 30 Accounts with balances, when I only have 25. 
3. Total ending balance on revolving and open-ended accounts of {$11000.00}, when I have no valid accounts. 

This information is wrong and needs to be updated.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

About XXXX, my spouse and I were encouraged by our lenders to consolidate our Direct Loans into one large Joint Spousal Consolidation Loan. We were advised that our payments would go down as would our interest rate. We quickly found our payment increased and the interest rate went to 7.8 %. Our Loans then became XXXX  Loans. 

As both of us are public servants, the MOMENT the Public Student Loan Forgiveness program began XXXX, we enrolled. At no time were we ever told we were not eligible for the program! We would faithfully resend out application every year because we were so afraid something would go wrong. we rarely received a response to our application and usually it was only a 'thank you we received you paperwork ' type of letter. 

Then in about XXXX, after faithfully paying for almost SIX YEARS, we were told we did not qualify for PSFL, as our loans are XXXXXXXX Loans and make us ineligible. At NO time were we ever told that we would not qualify for the program until then. We were crushed but continued to make timely payments to the exclusion of helping to pay for our childrens education ; forcing them to take out student loans of their own. 

We've prayed that something would change, and because we believed in the PSLF program, we both choose to stay in Public Service, forgoing other potentially more lucrative positions. 

In the last few years, we were advised by FedLoan to consolidate our XXXX Loan into a Direct Loan thereby making it PSLF eligible, but of course, our clock would reset to zero. Then we were told we could not do that because our Spousal Consolidation XXXX  Loan makes us ineligible for Direct Loan consolidation so " Don't bother ''. 

Our loan debt is currently a crushing {$160000.00} with a monthly payment of about {$1500.00} ; which we over pay every month. We have always felt paying the loan principle was fair, but we can not ever rise above the capitalizing interest! In XXXX we owed {$150000.00} and today, in XXXX we owe {$160000.00}!!! 

We have trusted FedLoan and our many servicers to guide us but we have been given 22 YEARS of miss information every time we call. We trusted the Department of Education and FedLoan to honor the PSLF for EVERYONE who faithfully followed the rules, but we have been left behind yet again, unable to have our XXXX SPOUSAL Consolidation Loan forgiven even after 16 years of faithful payments and decades of public service. 

The XXXXL SPOUSAL Consolidation Loans must be PSLF eligible but we do understand this will take a bill to be passed. FedLoan has given us, and many, many other people wrong advice and we have all suffered for it. We would NEVER have considered Joint consolidation if it hadn't been suggested to us as a smart move by The Fedloan persons we spoke to.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Dear Consumer Financial Protection Bureau, CFPB My name is XXXX XXXX and I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments and they ; FedLoan Servicing never responded as follows : 12 DIRECT SUB CONSOLIDATION LOAN {$27000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58000.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Remaining/ Disbursed on XX/XX/XXXX Missing count during Covid wavier period : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX As of XX/XX/XXXX I have 68 eligible counts. I understand that I must certify my employment and will have that completed by the end of the month however the 15 missing payments listed above have not been included in the eligible counts. Also missing are 8 payments listed below that was not included in my eligible count. I should have a total of 91 eligible counts as of XX/XX/XXXX. I am requesting a manual review to have counts reflected accurately. 
Payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been included in the eligible count however the 6 remaining havent and payments XX/XX/XXXX and XX/XX/XXXX should be applied to two loans making it 4 counts with the other 4 payment totaling 8. 
I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. 
Sincerely XXXX XXXX