davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (HI)

I have submitted a previous complaint that was considered closed. I went through the procedure properly and even disputed the company response. It has been almost 4 months since our loan was closed with Quicken and a month ago I was notified by them, yes, that they had made another error. XXXX of many, this error had to do with our insurance impound account. First of all we were told while doing the loan that the amount of insurance needed to be increased to XXXX in coverage. I offered to contact our agent to discuss this. Quicken insisted they needed to contact our agent. Meantime we never heard anything additional while the loan was in process, neither from Quicken or our insurance rep. You would think this would have been something they would have discussed with us. Three months into the loan we were contacted by XXXX XXXX at Quicken, stating that they made an error and did not impound enough funds for our insurance. We have our primary dwelling and a XXXX XXXX stated that they only impounded enough for the main home. She also said that the primary needed to be insured for the amount of the loan. I insisted that this could not be possible. After much back and forth email and pleas on our behalf, we found out this is not correct. We are now and have been dealing with this for over a month. The smaller dwelling was finally reevaluated by our insurance rep. This loan was audited and reviewed multiple times and they continue to error. The amount of stress they have put into our lives had been non stop. I feel like we followed all proper procedures, they were told and did have appraised XXXX dwellings. I feel like a closer look should have been made into the dealings of Quicken. My brother is a XXXX and assured us in all his training, that what we were to do was report this to CFPB. I am more than shocked at this point, that Quicken can continue in this manner to wreak such havoc. Their responses to my issues were sugar coated at best and there most used phrase is " I am sorry ''. They do n't hesitate to repeat this several or more times in XXXX email. It 's beyond reprehensible. Please look into this further. And again prevent them from doing this to other people who are less knowledgeable about how the process works.
Consumer complaint received 2016-10-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NJ)

Hi! We Bought our first home XX/XX/XXXX, and finally were leaving our lives with our XXXX kids in an peaceful environment where the kids were happy in school and new friends. we came from XXXX, NJ ( approximately XXXX population ) dangerous neighborhood where my kids bike were stolen from other kids twice. Long story short, 2 years ago we moved to XXXX, NJ, country town with only XXXX population. we are very happy here. XX/XX/XXXX we received a letter from out mortgage company, quicken loans saying that we had a shortage on the escrow of {$8000.00}. The weird part is that the last escrow analyzes last year resulted in a refund check to us of {$490.00} and I could not understand how they had gone for a year and a half in collecting the improper amount of taxes. Now they want us to pay everything they missed to collect all this time. I do n't mind paying but the way they want us to pay will affect us financially as it is already happening. Like I said before the fist option is to pay in full {$8000.00} and our mortgage payment would go from XXXX to {$2000.00} a month. we do n't have that kind of money, so this option is not good for us. second option was to pay over 12 months a mortgage of {$2600.00}. Its XXXX more then what we used to pay for our mortgage. This option also does not work for us. Mu husband works for XXXX. His weekly salary after all the discounts is {$XXXX}. After we received this horrible news from quicken loas I started looking for a part time job to help my husband but i still have n't found one that does n't affect my kids schedule. I understood that the taxes goes up but from {$6900.00} to {$7800.00} XX/XX/XXXX. But that would not be anywhere near the amount of the increase if they had been remitted the proper amount from the beginning of the loan. Where all these money they are changing us come from? Interest from their mistake and now we have to pay? Nad that do n't want to work things up with us and if we stay behind one month our credit is going poor now. Im straggling to make the payment on time and I do n't know what else to do. we are very happy here and never staid behind a payment until this nightmare started 3 months ago and I 've been trying to work things out with them and had no lock. you 're my only hope. Thank you.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper is the servicing company on my loan. I contacted them via the secure message feature XX/XX/XXXX and XX/XX/XXXX and only received automated responses that they would contact me within 5-7 days. There has been no contact. I received my escrow statement XX/XX/XXXX and PMI is still listed so I contacted them via chat and was told I needed to call. XXXX gave me 3 numbers to call. After being disconnected and on hold I finally reached agent XXXX XXXX on the 3rd number who told me she could not find my loan information although I was authenticated by their system. My loan reached the legal requirements to remove PMI and that is all I want done.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (FL)

Credit Sesame sent me an alert on XXXX/XXXX/XXXX that there is a New Inquiry on my credit file with XXXX from SYNCB, XXXX XXXX XXXX XXXX XXXX, FL XXXX contact # XXXX. I called this company and they do not have an application on file for me. At least that 's what I was told. I am an authorized user on my moms Rooms to go card, and I have been since XXXX. She said this is why my credit was check in XXXX. I did n't give this company permission to check my credit, and if I am an authorized user on someone else 's account that is no reason to pull a hard inquiry on my credit file. I have a feeling someone has applied for credit in my name, and this account needs to be found. Also, this inquire needs to be removed, because XXXX XXXX has not given anyone permission to check her credit. They had enough nerves to tell me to call the credit bureau and dispute it. I called XXXX and they said I need to call the bank. SYNCB, needs to resolve this issue by removing this inquiry, and telling me exactly why was my credit pulled on XXXX/XXXX/XXXX without my permission. This is fraud.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Client Services, Inc. (VA)

I never opened a XXXX credit account. Despite that I am now receiving calls from Client Services Inc, a collection company acting on behalf of XXXX XXXX, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but Client Services INC appears to be a legitimate company
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MD)

Last year, I was informed that I attempted to apply for an Amazon credit card, which is totally false. While I do have an Amazon online account, I have never applied or attempted to apply for a credit card either directly or indirectly with Amazon. All of my Amazon purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with Chase Bank USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
Consumer complaint received 2020-06-20
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

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 due to the pandemic we COVID-19 the  world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2016-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: USCB Corporation (FL)

I was in good standing, had some financial problems after a few deaths in the family, called asked for a deferred payment since I only owed less than {$200.00} ( XXXX more payments ) and I was n't even 1/2 through the class was told ok but they took it out of my acct any way putting my account in the negative, when I called again and asked why it happened I was cursed out, called all types of names and that I do n't want to pay. So I cancelled from credit union that they can no longer withdraw funds from my account, then that followed with more threatening phone calls until I had my number changed. Have received settlement letters with reduced price, but I wasnt even taking the class anymore and had only XXXX more payments, if they would have deferred just XXXX payment like they had agreed, instead of costing me more money in overdraft fees, I could have paid the next XXXX payments and finished the class. I paid way more than the materials and lessons I received. I even tried to tell them I would pay if I was aloud to finish the class, but that was before I was called names and receiving the threatening calls.
Consumer complaint received 2016-06-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (ME)

The mortgage company that we had filed a prior case about in XXXX XXXX due to not assisting us with a modification/refinance. Is now Inaccurately reporting on our mortgage to the XXXX major credit agencies. We have submitted documentation showing we were not late from XXXX XXXX to YTD but have not received resolution and because of the inaccurate reporting we may not be able to get financing on a new home. I truly thought that after the multiple errors that we have experienced with Flagstar that we wouldnt be dealing with another issue with the same Lender. I will NEVER ever again do business with Flagstar Bank. Any assistance would so be appreciated as we do n't know what to do.
Consumer complaint received 2016-04-02
Product: Credit card — 
Issue: Balance transfer fee — 
Company: Paypal Holdings, Inc (CA)

I received an email from PayPal about a settlement for Case XXXX. They said I would be credited with {$30.00} plus an additional {$1.00} to cover a fee if I request a check. They did not deposit the {$1.00} and are charging me for the check and giving me a refund of only {$29.00}. I realize this is a very small amount but with XXXX customers, PayPal is cheating us again. I tried to call them bu I just get put on hold. They do not provide an option for electronic contact.
Consumer complaint received 2016-04-26
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IA)

PayPal holds funds for items sold using their services. PayPal is not the seller, but they receive the benefit of the funds in their possession for items sold long after the items are delivered to the buyer when they should be in the hands of the seller. They refuse to relinquish the funds claiming you need to prove that you are a good seller to be removed from the program which assumes guilt or criminal intent. I was told I would be removed from the program after a phone call, but now they refuse and can not find record of such a promise.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (UT)

I received a letter from XXXX XXXX , XXXX stating that I owe {$100.00} to PayPal. I explained that I do n't have a PayPal account, but first I gave my Social Security number to verify my identity. They said I would receive a fraud victim packet and I never did. I tried following up by phone and every time I start asking questions they hang up. A XXXX search revealed that many other people have been scammed out of money by this same company.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.C. System, Inc. (CA)

This regards the following institutions : XXXX. IC system/ XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX ( this was on the letter head ) 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX, phone XXXX I received a letter from XXXX or the other of these ( XXXX addresses were on the XXXX of the letter ) for an outstanding bill from XXXX of {$21.00}. There were 3 options, the first of which was to use their website : XXXX. I went to this website and was given the choice of giving a credit card or paying by check. I chose the first. After filling out the entire application to pay ( requiring several pages ), I was told that, instead of using this method, I 'd have to call the XXXX [ XXXX ] number. So I called. 

What followed was a series of attempts to get me to 1 ) buy a medalert system, 2 ) buy a {$10.00} discount card and 3 ) buy a {$100.00} dollar discount card or 4 ) buy into a 'cruise ' that would probably cost me hundreds of dollars. When I declined all of these, they automated system hung up. I went through this whole XXXX twice, just to be sure the first time was n't a fluke. t was never allowed to pay the bill, neither online nor by phone. 

I have n't tried the 'pay by check ' option, nor will I, because I 'm quite certain that XXXX are bogus. It 's clear to me that this is simply a scam to get people to buy these worthless products and there is no intent to help the people pay the outstanding bill. 

Since none of your menus above cover my situation, I chose 'communication tactics ' and ''used obscene ... ', since I have to choose something.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-09-04
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

I found tickets from XXXX for XXXX seats at the XXXX XXXX concert in XXXX on XXXX XXXX. I bought these tickets from the seller and payed him through pay pal. The amount was {$490.00}. When I got to the concert the tickets that he sent me were not valid and I had to purchase additional tickets at the door. I have contacted the seller and he keeps avoiding refunding my money.
Consumer complaint received 2017-03-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NJ)

I sold an item on ebay, and the item was delivered via email. It was stated in the description. 
The person paid, and I shipped the item. They left me positive feedback. 
Paypal refuses to give me my money for this transaction. 

I have an email from paypal, where they said they would release the money on they XX/XX/XXXX, they did not.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (SC)

ic systems contacted my about a debt from XXXX, the dates were long after we had switched, so I asked for the original bill to verify, which lead to them threating me about reporting on my credit. I responded in writing asking for verification, if I owe it I will pay it but the dates do n't make sense. But they have not responded to my letter and reported on my credit. I really do n't know what to do. Its not a lot of money but I am not sure its right. Thanks for you help
Consumer complaint received 2016-04-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (OK)

I have XXXX installment loans with XXXX 's that were suppose to be 12 months no interest. I have made my month payments until XX/XX/XXXX I was n't able to make the payment so they gave me a deferment, without knowledge they are no charging me interest on those accounts. I tried contacting them and they said yes I 'm being charged interest now since I was n't able to make payment. I changed the address on the account to my current address however they would change it back to an old address. I never received any notices saying that the account would be charged interest now. Account # XXXX
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (UT)

My wife & I each applied in late XXXX XXXX for a credit card from XXXX XXXX & Barclays Bank based on an email promotion for XXXX bonus miles. We each met the requirements, spending limits, and full payment on account, but, as of XXXX XXXX, no bonus miles.
Consumer complaint received 2016-09-09
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (TX)

I am NEVER able to login to SYNCHRONY BANK because the EXTRA SECURITY TELEPHONE NUMBERS they show for SENDING A phone call or text message with a Pass Code, are NOT MY CORRECT NUMBERS. I am NEVER ABLE TO LOGIN. Opened CDs with my XXXX Savings and can not Login.
Consumer complaint received 2016-01-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CT)

I currently have an open complaint with the BBB regarding my debt owed to my Amazon.com store card which is through synchrony bank. My original complaint was that I was receiving five calls a day for debt I do n't deny owing. Five phone calls a day is outrageous. They charge me late fees and interest ... the consistent calls on top of it is ridiculous. 

At that point my complaint was referring to about three days worth of calls. However I continued to receive five calls a day for at least a week, a few emails, a text message indicating payment due AND a letter in the mail. 



I received response from synchrony bank on the XXXX website this morning. Indicating they wo n't refund but that they 'll no longer contact me on my accounts with them. However they listed all the other accounts I have ( with other stores like Amazon.com ) which is posted publicly on the XXXX website. A disclaimer the website reiterates prior to posting on their website. My initial complaint was regarding XXXX account that is in fact past due. The others listed are not ... which gives the reader whomever that may be reading, ( such as a potential an employer looking to hire me, a family member etc ) insinuation I 'm past due on multiple debts. I not only consider their debt collection practices harassment, but now I believe they were being passive aggressive in response to my complaint and violated my right to privacy. 

They also claim no contact was made on the occasions I claimed. I have record in my call history of all calls made. They even mention a few messages were left there was only XXXX. They say because I have multiple accounts with them that basically I could be receiving phone calls separately for each one. Which is false, the phone number is linked to Amazon and the voicemail left is referring to Amazon. 

I want full refund at this point ... their response is inappropriate and wrong.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

Alerted by XXXX that Barclaycard reduced my line of credit. Contacted creditor over the phone. Informed that there decision was not based on my credit history payment or my ability to pay. They informed me that I had been using my other credit cards and asked why. I informed them that we have been fixing the house up as it is for sale and we have an offer on our home. Hoping to close escrow in the next 45 days. My income is more than enough to carry their payment as well as the other debt I have. Income to debt ratio is within guidelines. Pointed out that I have always paid them on time as well as paid off entire high balance several times within the last 2 years. 

They still were firm as said its not the perfect payment history I carry with them, or my fico, or my ability to pay. I mentioned to them, that reducing my line of credit will trickle a series of events with the other creditors which will affect my fico score. It is not fair to reduce my credit line when there is NO merited. This of course has caused me to be at the edge now of my balance with Barclay Bank of Delaware and the limit of my credit. Which is another factor impacting my fico. If this is not resolved, I have informed the creditor that I will be closing my account due to unfair credit practice. I should n't be punished for using my other credit cards which I have been paying all of them on time.