davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

My name is XXXX XXXX I hold a Mortgage with Central Mortgage for my home in CA. where I reside. 
The XXXX XXXX Loan I held allowed for a {$5000.00}. deduction in the mortgage if the payment never went over 90 days. 

In XX/XX/XXXXCentral Mortgage made an error in improperly crediting my account. 
The Supervisor at the time checked the recording of the transaction and determined I was correct, and that the error was indeed on the part of Central Mortgage and the payment had been made in time. Throughout the loan period I have inquired to make sure that the error on Central Mortgages part was indeed noted and that there was nothing standing in the way for the {$5000.00}. mortgage deduction to take place. NOW in XX/XX/XXXX when I have noted the {$5000.00}. was not noted, I am being told it was because of this Central Mortgage error and that I di not qualify. I have written and made numerous calls to Central Mortgage Loss & Mitigation and their general Consumer Dept. with no resolution. PLEASE HELP! Thank you.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NM)

I had purchased two controllers from XXXX on XX/XX/2020. The controllers were back ordered from XXXX and shipped XX/XX/2020. I never received the items and the tracking for both items says they were stuck in California. I had emailed and spoke with XXXX since XX/XX/2020, to this date I have not received the controllers. They attempted to send one replacement ( recall I ordered two ) in late XXXX, but the item never was received by me. I have checked with neighbors and no one has received it. I asked XXXX to refund me and they told me they could not because it was past 30 days. The problem is I could not cancel because the order was to be shipped on XX/XX/2020. I contacted XXXX around late XXXX and I was told by XXXX, that they would handle this matter urgently ; they did not. The slower they worked, the longer they dragged my case and made me miss my refund time ( I had decided to give them the benefit of the doubt ). What makes my case unique is the fact, the items are showing on the given tracking numbers to be stuck in California and they refuse to refund me. So it's now XX/XX/2020, and I had sent another escalation ticket to XXXX today. My problem is with Citicard who had proof that the merchant did not deliver the items and refuse to credit me. They gave the reason that the " charge was made prior to your cancellation ''. All evidence of non-receipt communications, including emails, was given to Citi, and evidence appeared to be ignored. I would like my card refunded and will provide evidence to you if needed.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I checked my balance to confirm my payment and saw the minimum was much higher due to a late fee. Upon checking I saw my normal electronic payment went through a day late, and I am not sure why. Either way, I called as having great credit history and the card for over a year, I requested they reverse the fee. They refused. I asked why, they said the statement was already generated. I told them their interest rates were already among the highest in the market to show some courtesy to a good customer, they said " no ''. I am stuck with a higher payment, my balance has barely gone done in over a year even paying more than the minimum and I can't this albatross out of my life.
Consumer complaint received 2021-04-24
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: EQUIFAX, INC. (FL)

I am not allowed to log into my Equifax account. 
I am 100 % sure that I used correct login information, but still I got blocked. 
My guess is somebody else might obtained access to my account and might have changed my real user ID/password. 
Also requests for credit report to Equifax coming back with weird content- such as there was no credit score available. I have had plenty of accounts, loans, cards over the last 20 years etc. and that is simply not logical.
Consumer complaint received 2020-08-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CO)

The company is Navient. They have been robo calling multiple times a day. We've called to ask them why they are calling as my wife and I have never had a student loan. They told me to report them to the " Do Not Call '' registry - if I wanted it to stop.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Uber Technologies Inc. (CT)

On XX/XX/2019 at XXXX {$24.00}, at XXXX {$11.00} from XXXX was deposited into my XXXX XXXX XXXX  debit card. Uber i NOT ALLOWING ME ACCESS TO THE ABOVE MENTIONED FUNDS IN ADDITION TO FORCING ME TO USE A PAY DAY LOAN ;, WHICH THEY CALL A 'LINE OF CREDIT FOR THE AMOUNT OF {$100.00}. I NEVER HAVE ACCESS TO ACTUAL CASH BECAUSE THIS PAY DAY LOAN TAKES ALL OF MY MONEY.

I HAVE ASKED THAT THEY REMOVE THE PAY DAY LOAN AND THEY REFUSE. THE REQUIREMENTS TO RECEIVE THE PAY DAY LOAN IS 70-80 RIDES. I WORK PRIMARILY FOR THEIR COMPETITION XXXX  BECAUSE THE DEBIT CARD HAS MY SOCIAL SECURITY CARD NUMBER ASSOCIATED WITH THE DEBT CARD. UBER TREATS THE CARD LIKE A " PAY ROLL CARD'.. DRIVERS ARE INDEPENDENT CONTRACTORS 1099 NOT W2 EMPLOYEES.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (OH)

I was going over my credit file notice my XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX SERVICING # XXXX, XXXX XXXX # XXXX. account has not been properly updated to a positive status yet. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. This account is due to have the late payments removed from reporting from my XXXX, XXXX XXXX, XXXX. I also saw that there is an unverified and HIPPA Act violation account from XXXX XXXX  XXXX # XXXX I never have done any business with that company, it is an error please delete at once.
Consumer complaint received 2021-04-24
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. (PA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX BANK Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) Fraudulently Opened on XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Account # N/A ( Reported Identity Theft ) Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I agreed to a hardship payment plan to resolve my debt to Best Buy/ Citibank . I agreed to pay $ XXXX/mo. until the debt was paid in full. I was under the mistaken assumption that I would continue to set up each payment online by the XXXX of each month following so I set up the first payment online to be withdrawn on XX/XX/XXXX. I was not aware that the payments would be set up automatically by Citibank/Best Buy. When I went online to check on my account I discovered that 2 payments of {$200.00} each would be withdrawn on the XXXX. When I tried to delete the payment I had set up the site told me I could not do that online and must call XXXX and speak to an agent. 
I called Citibank on XX/XX/XXXX at XXXX XXXX  and was told that one of  the payments would be deleted. However, on XX/XX/XXXX both payments were withdrawn from my bank account. I am currently undergoing financial hardship and this withdrawal sent my finances into a tailspin. 
I then called Citibank again and informed the agent of the extreme hardship this double withdrawal placed on my finances. I was told that 1 payment would be refunded in 3 business days. It is now 10 days later and still no refund to my bank account. 
I called today ( XX/XX/XXXX ) at XXXX XXXX  and informed the agent that I don't even have money to live on until the first of next month. I have been told once again that I will be refunded {$200.00} in 3 business days and if I did not see it in my account by Friday XX/XX/XXXX I should call them again ( HA! ). I asked why I have not received the refund by when I was told she responded that it may have been denied. If so, no one informed me of such action. 
I am filing this complaint now to have it on record and maybe receive some assistance in expediting my refund if it does not happen by the aforementioned date,
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MT)

I lost access to an email account that I used to sign up for Coinbase some years ago. I remembered the username and password and when I login, it gives me a two-factor authentication request that wants to confirm my email address. I don't have access to that email so I can not confirm. Coinbase has a support article which states they are able to help people who had lost access to their previous accounts ( https : XXXX ). I followed the process they outlined including creating a new account with a new email address and verifying my identity by uploading my California State Drivers License and a photo of myself. I also emailed them to let them know I went through their requested process for recovering accounts that you no longer have access to the email that you created them with. It took about a month and a half for someone to get back to me. A person named XXXX emailed me and said there was nothing they could do. I pointed them to the support article and pressed her to help me. She sent me another email with clarifying questions about my account. I responded with answers. I just received an email saying, again, that Coinbase can't help people recover their accounts despite their own policy posted clearly on their website.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

Company reported my loan Moneylion Credit Builder Plus loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. Moneylion is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. Money Lion is causing irreparable harm to my XXXX  credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted Moneylion.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I have had an account with XXXX XXXX for about 5 years now. Around 2 years ago we converted to using this card for all of our daily purchases due to the rewards program. Typically in a month we spend around 4-5k a month usually paying in full. The past couple months we have spent more than usual as we are in the process of buying a new house and selling our old one. During our entire history with this company we have always paid from the same bank account with NO returned payments. 

We recently closed on our house on XX/XX/XXXX and I made a large payment to pay the balance in full on the card since we had spent a little more than usual the XXXX payment was submitted on XX/XX/XXXX and has debited my bank account on XX/XX/XXXX. I was not notified until I called the company to ask why I was unable to use my card that they have placed a 10 day hold on my payment. After speaking with them I was informed that no one in the company had the ability to have this hold removed and the only reason I was given was I made a large dollar payment. I brought to their attention my banking history with them, the fact I routinely make larger payments on this card, and that it had debited my account already which means the payment cant be rejected but they still claimed that no one in the company could release it. I did request the company to provide the regulation that dictates they have the right to place a payment on hold for that long as I know this time frame exceeds what is allowed under funds availablity regulations. The customer service agent did not understand what I was asking for and could not provide that to me. 

This is not the first issue I have had with them. In the past 2 years anytime I have had to deal with someone in customer service they have been unwilling to resolve my issue or offering alternatives to assist me. One of these times the customer service agent actually told me that I was not a large enough client for them to assist me in what I was requesting. Another time I was told that if you arent happy with our policies then I should find another card. These issues were centered around a card that was lost in the mail and they would not provide any resolution other than canceling my card that expired that month and making me wait the 7-10 days for a new one.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

I transferred XXXX from Goldman Sachs USA to my external linked account on Sunday and it was processed on Monday and completed on Tuesday and I received an email stating this at XXXX XXXX. I checked  the external account and it never arrived as instructed or promised in my account. I want to report bank misconduct under cfpb and fdic laws. I want the money that was not disbursed as instructed.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

Currently, our home is in the final stages of foreclosure and our repeated attempts to modify our loan have been denied by XXXX and the investor that bought the loan from XXXX XXXX. We request your help in obtaining a modification of our mortgage. 

The beginning of XX/XX/XXXX my wife lost her job and our household was suddenly without an income as we were both unemployed. We were able to remain current with our mortgage for a couple of months and received temporary relief from our current mortgagor, XXXX XXXX, under the HAMP program. Our mortgage was dramatically reduced for a period of 6 months to provided time to find another job. At the end of the six months the difference between the reduced payments and the full payment as instantly due. Since neither of us had a job yet, a modification was not feasible and shortly thereafter XXXX filed a foreclosure action. 
In XX/XX/XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. The loan was serviced by XXXX XXXX. 

In XX/XX/XXXX we filed for a loan modification and was denied because our loan to value at 21.35 % was too low. It is true that the loan to value for the XXXX loan is only 21.35 % but the overall loan to value of the combined first ( XXXX ) and second ( XXXX XXXX ) mortgages is much higher. 

The principal, interest and real-estate taxes and fees due XXXX currently amount to {$170000.00} and the amount due the XXXX is currently {$460000.00}. The total due of {$630000.00} is 112.5 % of the appraised value of {$560000.00}. The existence of the XXXX loan makes it impossible for us to refinance the first with any lender because of a combination of loan to value and a low credit score.  XXXX refuses to take into account the second loan in determining loan to value of the property. 

In XX/XX/XXXX my wife obtained a job that pays {$170000.00} per year plus a 30 % bonus. This income alone can service both loans if we were able to modify both loans. XXXX XXXX has indicated that they are willing to modify but that we need to get the first modified first. 

We are looking for any help we can get to get XXXX to modify our loan so we can stay in our home of 24 years and get back in track financially.
Consumer complaint received 2018-02-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MS)

Hello, I was promised a disaster assistance program for 3 or 4 months. My concern when I received the letter for the assistance which was over {$6000.00} to pay by XX/XX/XXXX. 
I called XXXX XXXX two times regarding the amount and I was told to apply in XX/XX/XXXX for mortgage assistance. However, after receiving letters of promise for mortgage assistance, when I applied it took 2 months to get back to me after the application due to documents needed to be sent in. I also received a letter stating I did not have to fill out an application to receive mortgage assistance. Well as time came near XXXX XXXX was not truthful to me about the mortgage assistance and I am about to lose my home to foreclosure due to an excessive amount of over {$9500.00} I can not afford unless I pay in chucks of payments. The company defaulted and mislead me when I was given the time for forbearance of my loan for those 3 to 4 months. Now, they stated I do not make enough to qualify and will not send the information to VA and I am looking at foreclosure. Not sure of the date as of yet. I have items on my credit report in dispute and they added those items in for liability. My family is looking to be homeless. I am employed but they stated I have negative income and they will not allow VA to obtain a waiver for me to modify due to one modification 2 years ago. VA is willing to submit the waiver paperwork but XXXX XXXX said they will not send it to them. I in need of help.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by XXXX XXXX.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I disputed the 2 collections with XXXX  and the Collection Agency I.C. Systems by  certified mail, with a return receipt, requesting that they validate the 2 accounts that they are negatively reporting. XXXX  stated that the debt was validated, however when I followed up requesting that they explain how the debt was validated, they never did. I sent a certified letter giving them 30 days to provide that information. I gave I.C. 15 days to provide proof that the accounts they are reporting are indeed mine. When the time passed, I spoke to an agent at I.C. Systems who advised me that I was the one who had to prove that the debt does not belong to me.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

Debit card expired and I didn't receive a new card. The bank will not let me into my account to review deposits and pay bills until the new card arrives. XXXX, the customer service manager said it is Citibank policy to not allow customer access to their checking account unless they have a valid debit card. I'm unable to log into verify year finances and pay bills.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2019 and 30 days XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statements did not get to me.
Consumer complaint received 2018-02-23
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. (CO)

I disputed a collection account from XXXX XXXX XXXX on XXXX, Equifax and XXXX credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, XXXX and Equifax to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.