davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, I contacted you awhile ago about a mistake on my credit reports. In XXXX of 2013 I decided to try XXXX XXXX for a XXXX month trial period. I paid, use their service ( while still keeping my account with XXXX XXXX open ) and found I did n't like it at all. I closed this account, paid what was a small bill since I paid the other bills beforehand. Remember, I never closed my account with XXXX so I never had to reopen this account. I told them to come and pick up their equipment. Never happened! Since I paid the last of the bill I owed, I assumed this was it. They said they would send someone out to pick up the equipment, and that never happened! Then I called again and they said they would send boxes to me to send their equipment back to them and it never happened! Just trying to tell you what type of company I was dealing with. I have worked hard at getting my credit reports clean and paying all bills on time and mind you, never making the minimum payment. As you can see if you check my reports. Everything is paid on time if not before time. I found this on my credit report last year! Was shocked to see a {$67.00} bill on there from them since I paid the last of their bills many, many months ago! I have tried to no avail to get this removed from my reports. Calling XXXX, sending them emails, etc. I have also disputed this many, many times with the credit reporting agencies to no avail. I finally gave up and paid a bill that I DID NOT owe. I just wanted it removed from my reports since I have worked so hard to get where I am. ( all of their equipment : my wife, who broke her back before this, had to track through the mall with all of this heavy equipment to drop it off at a XXXX store. ) I do n't know where to turn. I just want justice. I ca n't seem to get anywhere with XXXX. I see many of these complaints! I just want this removed from my credit reports. They 've had all of their money ( plus more ) for quite some time now. There is no reason to do this to innocent people. I have been a customer of XXXX for many, many years and have never had a problem with billing. Please help me remove this from my credit reports. I feel I 'm being targeted because I did n't like their service. I get numerous advertisements in the mail from them to this day. If I had done what they accuse me of, I do n't think they would want me as a customer. If you need anything, please let me know. I have photos from my reports. I do n't care if I have prime credit cards, it 's the principal. They are just making me look bad in the eyes of creditors. This seems very unfair. Not good business practice. Thank you for trying to help the XXXX time, as a result, XXXX has removed this but Experian and XXXX have not. I have other screen shots but I 'm not sure I can upload anymore than XXXX. Please let me know if you need any additional ones. 
XXXX
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

I am filing this complaint because Experian has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (IL)

on  XX/XX/XXXX , I received a letter from  Barclaycard  regarding my  XXXX  visa card account ending in  XXXX . I was told that my credit card account will be closed at the end of this month when the card expires. The reasons were : amount owed on bankcads too high and balance on this particular account too high.   I do not argue these facts. But, here are my concerns ; when the credit card is closed by issuer, it is reported in my CB as closed by merchant. This will actually harm my credit. I have maintained this card very diligently. I always pay on time, and my payments are more than the minimum. I have never gone over the limit and never bounced a payment. The issuer issued me both my Barclay credit cards even though I had declared BK in  XX/XX/XXXX .   When I attempted to speak to agents at  Barclay  cards they were very uncooperative and did not care how my credit will be harmed by the closure of this account.   Your help in resolving this matter will be greatly appreciated
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOK FINANCIAL CORP (NM)

I have previously submitted to CFPB a claim against Bank of Oklahoma and Bank of Albuquerque. I have been trying to get a loan modification on my current residence that is almost {$20000.00} upside down in value. After almost 3 years I am still no further in working with both the bank and the attorney 's involved. I am wishing to stay in my home and also the Bank sent a letter stating our home would be taken over by HUD and to submit a packet to HUD for renting the property if it came down to that. I sent a packet to the address given and the packet was sent pack to me as undeliverable. I am again contacting the CFPB because I am still getting no answers to my questions and no closer to a refinance. The stress of this situation has caused many problems and I would like to just pay our mortgage and move forward. Please help me resolve this issue. 

XXXX XXXX ( XXXX Loan Name )
Consumer complaint received 2016-08-02
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Sierra Holdings LLC (MN)

We had our ca payment in the bank that was the amount due on the car. They failed to take out thr money saying it was an error in there system. My brother in law had just recently passed away and we notified them about it and were going to pay them this friday the XXXX of XXXX. They have been calling more than 3 times a day sometimes up to 7 times a day. We had notified them that what they are doing is harrasement and i dont think it will stop. Me and my wife both work but we have been going thru personal issues as well and they dont seem to understand that. I have been recieving phone calls sonce last week they were even calling on the days of the wake, the funeral and the memorial service me and my wife were attending for her brother. I just feel like they are harrassing they are also harrasing my references.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Denied sufficient time to complete a ( short sale ) payoff on my mortgage. Very difficult to communicate with Nationstar due to lack of requested information ( payoff statement ) and denied internet account access. Forced to proceed with foreclosure despite numerous efforts to rectify the situation.
Consumer complaint received 2020-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

At XXXX on XX/XX/2020, my husband received a fraud notification from Chase bank that a purchase for {$18.00} was approved on our debit card ending in XXXX at XXXX XXXX. The text asked if it was him that made this purchase. He replied " NO ''. My husband logged on to our mobile banking app with Chase and the charge was not there, but there were 3 " pending '' charges for {$500.00}. My husband promptly called Chase and as he was on the phone with the representative who was asking questions and deactivating my husband 's debit card, 4 more identical charges were made for the exact amount as well as a charge for {$780.00}. There was a total of {$4300.00} taken from our account from someone in the XXXX. The bank representative gave us a temporary credit while the " investigated '' the claim. Today, we received an email stating that the claim was denied and the bank would be removing {$4300.00} from our account. I XXXX the companies that were on the transaction statement and " XXXX '' in XXXX ( XXXX XXXX ) is a mobile banking app that neither my husband or I hold an account with nor have we ever heard of. The other company is " XXXX '', a clothing company in XXXX, XXXX ( again, I have never heard of this company ). We have our debit card in hand, it was never lost or have we EVER been to XXXX. I am disturbed that Chase denied this claim given we were ON THE PHONE with them while the transactions were taking place. Furthermore, the charges continued to post even after the card was deactivated.
Consumer complaint received 2023-02-25
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX {$670.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ;
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CO)

At the beginning of XXXX we received news from our home builder that we would close on it on XXXX XXXX. On Friday, XXXX XXXX, we received from the builder 's ( XXXX XXXX ) lending company XXXX a tax form to authorize them to obtain copies of our XXXX tax statements. By Monday, XXXX XXXX, we had found out that the form was being sent in too late to get copies and still make an XXXX XXXX close date. We also found out that the documents we were requested to send in and that we promptly sent back at the beginning of XXXX were the last XXXX months of bank statements, a copy of our HUD1 form and the contact information for our insurance agent. I had asked the representative to send me an email confirming receipt of the documents and she did. On Monday, XXXX XXXX we found out that all of the documents we had turned over had not been turned over to the underwriters at XXXX and our loan sat for XXXX weeks with no attention to it and no communication to my husband and I as to the status. My insurance agent also called me on XXXX XXXX to relay to me that she received a request for insurance certificate on the new home. The fax that XXXX sent to my insurance agent was dated XXXX XXXX and the fax requested that the insurance company provide a certificate dated as of XXXX XXXX when our original close date on the new home was XXXX XXXX. I have a couple of issues with this fax 1 ) the person who faxed the request to my insurance agent was the same person that I had just spoke with for the first time on XXXX XXXX and had informed me that none of my documents ( e.g., bank statements, HUD1 form etc. ) were on file ; and 2 ) the fax mentioned an effective date of XXXX which does n't correspond with a fax date of XXXX nor a close date of XXXX. On more than one occassion we have been asked to submit documents ( e.g., bank statements, W-2 's etc. ) after we have already submitted them and I never seem to deal with the same person. It appears as if XXXX XXXX has multiple people working on the loan but no one knows what the other is doing. It is at the failure of XXXX that we are now having to move our close date back.
Consumer complaint received 2020-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX please remove/block/delete this account. You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX Account number XXXX am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (VA)

Loan Number XXXX, for property address XXXX XXXX XXXX, XXXX, VA XXXX Almost one year ago, I purchased a new home. The mortgage company we choose to use was Quicken Loans. This company was XXXX of the preferred lenders from my agency, so I went with them. Just recently, I received papers and billing statements from Quicken stating my current mortgage of {$2900.00} would be increasing to {$3300.00}, a {$400.00} increase. I contacted Quicken to inquire more details. Initially all they could advise was there was a shortage in my escrow, and this was needed to cover it. I dealt with client relations, who then forwarded me to a senior research team member, XXXX XXXX ( XXXX ). XXXX XXXX did some research, as did I, and found out that nothing has changed regarding my taxes or homeowners insurance. There had been no tax increase at all. XXXX XXXX acknowledged that Quicken made an error and they were very sorry for the mistake. I advised {$400.00} a month was not an option, and they have put me and my family in a financial hardship. I inquired about refinancing my current loan ( conventional loan at 3.99 % ) to a lower interest and possibly getting rid of the PMI. XXXX XXXX advised if this could happen it would be at very little cost to no cost for me. I was then sent to someone to calculate if this could happen. They advised it would cost Quicken too much money, so that would n't be an option. XXXX XXXX then asked if I would be willing to do a loan modification. I told her only if it did n't effect my credit. She then determined it would effect my credit so that was not an option. XXXX XXXX was very sympathetic and apologized for their error. She then suggested they might be able to get the shortage of {$2800.00} spread out over an additional length of time, thus increasing my monthly mortgage to {$3100.00} instead of {$3300.00}. I advised the increase would still put me in a financial hardship and I would have never purchased this home if I knew the mortgage payment would be this high. My home was XXXX of the last homes ( XXXX total homes ) in my subdivision to be built, so the research and information was out there for Quicken Loans to give me the correct information. I understand if my taxes increased, then of course my mortgage would increase. However this increase is only due to the incompetence of Quicken Loans and their failure of due diligence.
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (VA)

My flood insurance for the year of XX/XX/XXXX was cancelled due to non payment from my escrow account. I was sent an over payment check from my escrow account that was supposed to be used to pay for my flood insurance, then told to me by your agent XXXX that this was a mistake on Quicken side ; this is not reliable business to have since I 'm living in a flood zone area in XXXX Va. Then XXXX tells me that I would have to pay the money back that I was n't expecting, to pay on a cancelled flood policy that has n't been pain on since XX/XX/XXXX.The money has been spent. 
I was not notified that I had to pay any money back when I received the check ; that 's a mistake that Quicken made. 
I have since got another flood insurance policy and paying much less than before ; there should be a change in my mortgage payments, why do I have to wait for a escrow analysis because of mistakes Quicken has made. I have also changed my home owners insurance for a decreased premium rate and still paying the same amount of mortgage. which brings me to another mistake Quicken has made, told to me by XXXX, by paying 2 premiums in the month of XX/XX/XXXX, for my home owners /hazard insurance, each payment was XXXX, WHY? why is my hard earned money being tossed around this way? I 'm amazed and not happy about this
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I applied for assistance in saving my home with Nationstar Mortgage. Nationstar is now evading/refusing to review my loan for assistance stating that I needed to correct what I wrote on my application for my retirement income. I also hired an attorney to help me with the process and my attorney states Nationstar can not evade reviewing me for assistance over one number written on my application that is {$30.00} off from the actual income I receive. My attorney has submitted everything they need to review me for assistance and then called Nationstar and Nationstar is demanding I fill out another entirely new RMA and correct one number I estimated on the original application and was off by {$30.00}.
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (SC)

First, when my mortgage was first transferred to XXXX from another company it they cashed the first check but did not credit it to my account because I had originally paid the first mortgage company. This is my legal right to pay the old company within a certain number of days of the transfer of service. Second, when my mortgage was transferred to a new company XXXX Loancare stopped my automatic payment prior to notification. Also, they stopped it well before the allowable limit of how long I can still legally pay XXXX Loancare. When I finally found out, I was over a month behind on my payment with the new mortgage company. Luckily they did not charge a late fee. Also they conveniently backdated the letter that they sent me. Lastly, I have not received my tax statement for XXXX. This is normally not a big deal since I could typically go online and check the statement but they have disbanded my online account for some odd reason. Now they wo n't reply to my emails. The tax statement should have been provided to me prior to XXXX/XXXX/XXXX.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NH)

Same as XXXX other people I saw under XXXX complaints, My Bank, XXXX Mailed pymt XXXX XXXX. to Statebridge LLC, XXXX # XXXX, StateBridge said they did not receive until XXXX XXXX and charged me {$32.00}. In past 10 years using XXXX XXXX to pay my bills I have never had a problem with bills being paid within the time posted by XXXX XXXX XXXX. My XXXX payment was sent to Statebridge LLC on XXXX XXXX and held by StateBridge till XXXX XXXX thus incurring a {$32.00} late fee ( see attached ). In speaking with StateBridge on XXXX XXXX 2017 the attitude was " PROVE IT '' As explained by XXXX, employee number XXXX he has been waiting for a baseball hat for 3 weeks thru the mail, suggesting I should pay StateBridge {$5.00} fee and pay online to insure my payment is received on time. Supervisor XXXX XXXX broke the Law when he refused to tell me Statebridge LLC License number after I asked. Further XXXX XXXX stated the XXXX XXXX, which is on second page of mortgage statements, was related to real estate misleading myself from fact it is StateBridge LLC license Number to do business servicing loans. Today, XXXX/XXXX/2017 XXXX, " XXXX '' who would not give me an employee ID # or his full name told me there was no license number to give out after I asked him and he had to ask a supervisor if it was ok to give out. So it appears StateBridge LLC will not allow payments to be made " free of charge '' unless the consumer sets up auto pay. I would not set up auto pay with a company I trust let alone a Company like StateBridge LLC whom I do NOT TRUST. Thus again, my story sounds like the XXXX other complaints on XXXX- ' Never been late or had issue with mail being delivered on time-EXCEPT FOR STATEBRIDGE LLC WHO SAYS PROVE IT. ' I will not pay a late fee from a company who, in my opinion, intentionally extorts fees while the consumer is making the mortgage payment to stay in compliance with mortgage agreement. Here are just a few other complaints on XXXX : XXXX XXXX & XXXX & XXXX # XXXX XXXX XXXX, Also I wish to point out The Credit Bureau has a " D '' rating for this company. How is this company allowed to do any business with mortgages after the Dodd-Frank Bill was enacted?