davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC. (VA)

I recently refinanced my house with the same lender. The closing date was set at the end of XXXX and I had already sent in my payment for the month of XXXX. As there was to be two months of " skipped '' payments ( notice enclosed ), this would have been XXXX and XXXX with payments beginning XX/XX/XXXX. I called the broker, XXXX, who stated that Sun West Mortgage would catch the error and return the check. When the check was not returned in several weeks ' time, I began inquiries. They acknowledged receipt of the XXXX check, but after that, there is obfuscation only. One individual claimed that the payment was included in the return of the escrow account, which is false ( copy of the escrow balance and the check enclosed ). Enclosed is a copy of the letter which I sent to the CEO ( no name was given in the online information ). I have also enclosed a copy of the " stub '' from the statement for which the XXXX payment was made. I also received an email from a XXXX, Servicing Representative stating that they would provide me with a formal written response by XX/XX/XXXX which did not happen. Documents are in the attached PDF file.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MO)

On my XXXX Credit Report I have 1 account in collections with LVNV Funding, LLC with an amount of {$870.00} claimed to be owed to them. I have disputed this account and they come back with, " this account is confirmed ''. I have requested all documents and I received nothing. 

LVNV has sold this account to continually refresh the open date for a fresh 7 year debt collection process. On this account, as reported to XXXX it says " Date Opened : XX/XX/XXXX ''. It then says, " Date Reported : XX/XX/XXXX ''. Then the XXXX report says " First Delinquent : XX/XX/XXXX '' which is 7 months before the account was even opened. 

I called them at XXXX on XX/XX/XXXX at XXXX XXXX, and was told that I was speaking with a Collection Agency, so the information on the XXXX report again is not correct. The collection agency then stated that the actual account was opened with LVNV originally in XXXX of XXXX, this is not what the credit report reflects. Then they said the address was XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was living on XXXX XXXX XXXX XXXX yet the account and the debt is confirmed to be mine. 

I feel like LVNV is owned by the mob and they just keep selling the data and getting it pulled back into their office and the calendar of seven years restarts again, this is unethical and inaccurate information in complete violation of the Fair Credit Reporting Act. 

If it remains on my credit report, I demand to see the original loan application information for it to be verified by humans and not a computer program.
Consumer complaint received 2016-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

I was a victim of identity theft and when I saw a collection from Second Round LP it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. It 's been over 30 days and no response. What do I do? XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (OR)

XX/XX/XXXX, received email solicitation from Discover Card Services described as " Earn up to {$60.00} extra cash back at Grocery Stores '' with details described as " earn an extra 6 % cashback bonus at grocery stores on up to {$1000.00} in new purchases through XX/XX/XXXX. '' The email included an 'Activate ' button for the offer. Same day, I activated the offer ( confirmed by screenshot of the web page AND by Discover customer service chat ). On XX/XX/XXXX, I used the Discover card to make a {$500.00} purchase at XXXX ( MCC coded 'Grocery Stores and Supermarkets ' per Discover ). This purchase posted to my account with only default 1 % bonus instead of the " extra 6 % advertised. '' On XX/XX/XXXX, I contacted Discover customer service via chat to address the issue. Chat representative 'XXXX ' confirmed I had enrolled in the bonus offer sent to me, and that the purchase would qualify, but to 'wait a while ' for the correct bonus to be posted. It's been 3 months. I indicated to the representative that I would like to know that the bonus will indeed be posted, as it would influence whether I used the card again for grocery purchases ( if they're not going to pay the advertised bonus, I would simply use XXXX or other ). Representative placated me, and simply told me to 'wait. ' On XX/XX/XXXX, I received a follow-up email from Discover marketing reminding me to take advantage of the offer they had previously solicited to me. On XX/XX/XXXX, based on that follow-up email and on the advice offered by the Discover chat representative, I used the Discover card again to make a grocery store purchase. This time, in the amount of {$500.00}, at XXXX ( also MCC coded as " Grocery Stores and Supermarkets '' per Discover ). That purchase posted, just like the previous one, with only the default 1 % rewards awarded, rather than the " extra 6 % '' advertised in the promotion. It's been a month. On XX/XX/XXXX, Discover sent another email reminding me that the promo had ended with subject line " Your extra cash back offer may have ended ... but don't forget about these exclusive features. '' On receiving that email, I contacted Discover by chat and provided the above details, at which point the representative disconnected the chat, which was reopened by another representative ( with all the lengthy details above deleted ). This is unacceptable customer service, and a failure to honor the offer Discover solicited me into. To date, I have received {$10.00} in the default 1 % cashback rewards baked into the card itself. I have received ZERO of the " extra 6 % '' from the offer ( which would be {$60.00} -- as limited by the {$1000.00} max purchase of the offer ). The {$60.00} due to me needs to be made available in my rewards balance promptly, and perhaps they can figure out a way to get me back the literal hours of work I've had to apply to resolving this issue. All facts stated above are documented in the attached PDF.
Consumer complaint received 2024-01-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (MO)

I agreed to settle my account for {$600.00}. Before paying I requested a letter be mailed laying out the terms of the settlement agreement. I was denied and given no reason as to why the letter couldn't be mailed. Instead, I was sent a XXXX link to pay which I found odd and sent a generic email stating their " terms ''. I was told once paid I could see the closed status on the website which I'm locked out of.This has been going on for several months. After getting nowhere with any of the agents, I asked that all texts/emails/phone calls stop and that I only be contacted by mail. They've continued. I have screenshots of our most recent conversations.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

Im filing a complaint against Equifax. I am a VICTIM of identity theft, and I have followed the proper channels by submitting detailed information, including police reports and evidence of the identity theft, yet Equifax has failed to conduct a proper and timely investigation. Up to now I STILL HAVENT RECEIVED ANY INFORMATION OR RESOLUTION REGARDING MY DISPUTES! And I am disputing these accounts to be removed as these are fraud accounts. I insist that I have no idea how the theft took place. I also do not know any suspects. I did not receive any money, goods, or services as a result of identity theft. I insist that you cease the practice of routinely refusing my requests without proper validation. I need these fraudulent accounts removed from my credit report promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing , LLC was my loan servicing provider. We did a refinance with new company. They would not refund my property tax escrow account and would only add the monies in escrow to the payoff to reduce the loan amount. They sent XXXX payoff statements at {$25.00} each that were all incorrect. SLS then demanded that I provide {$4800.00} with our payoff amount to cover property tax bill, while there was {$7700.00} in the escrow account they controlled. We paid the the property taxes before the loan was paid off and they say they paid the property taxes and have not refunded {$4800.00} plus {$120.00} for incorrect payoff statements plus a {$140.00} fee for late payment which was incorrect as well. We are seeking a refund in the amount {$5000.00}.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

Ocwen continues to refuse to conduct a fair and impartial review of my mortgage history as far as its own handling and with prior servicer Litton. The loan has been reported by them to have been charged off at least 3 different times. In XXXX, XXXX XXXX, XXXX and XXXX XXXX. A Charge-off allows a creditor to take a tax deduction for bad debts under Section 166 of the IRS code. Obviously, it is a violation of Federal Reserve rules and other banking rules, to declare more than one charge-off on the same loan and concomitant write-off as uncollectible. More recently in XXXX, it has notified XXXX and XXXX of yet another charge-off in XXXX and XXXX XXXX. Ocwen 's XXXX XXXX, XXXX notice to me disingenuously attributes its action to a request on my part. I never requested such charge-off but did challenge their refusal to recognize they are time-barred from reporting the loan to credit reporting agencies
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

Every year I get trouble to order my free credit report from Experian After I input my name, date of birth, social security number and address I 'm getting this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 

XXXX, GA XXXX And this is a common issue I see with people online on forum. 
I tried and asked other friends to try and they get similar error. 
I wish all credit bureaus would make this process more smoother.
Consumer complaint received 2024-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MN)

On XX/XX/XXXX, I noticed a charge from my XXXX XXXXXXXX XXXX XXXX account in the amount of {$400.00} pending. I have two accounts at XXXX XXXX XXXX and rarely use this account. This particular account doesn't support checks, I don't even have checks for this account. The transaction was returned. I immediately called XXXX XXXX  XXXX and reported the issue. They froze my account from further transactions so it could be monitored for further fraudulent activity. I contacted Telecheck about the transaction and faxed in the completed Telecheck Forgery/Identity Theft Declaration on XX/XX/XXXX. 

I have not heard from Telecheck since them, except a mailing with a tracking number. I have attached all documents to this compliant. On XX/XX/XXXX, I received a notice from TRS attempting to collect the debt that is not mine.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed on my credit report alerts from chase that someone opened XXXX  credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My XXXX credit report shows the following : XXXX XXXX  XXXX  balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX  XXXX XXXX XXXX  balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23 XXXX XXXX  shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # XXXX
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX displayed on all XXXX Credit Bureaus of {$4100.00} for XXXX XXXX XXXX Account # XXXX is incorrect, balance is {$0.00}. 

In fact, I prevailed in a Civil Action both personally and for my corporation in XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Case # XXXX disputing their disingenuous claim of {$4100.00} and was granted a DISMISSAL WITH PREJUDICE in my favor. 

No balance is owed, {$0.00}.
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Mr. Cooper Loan Number XXXX Dear Sir/Madam , I'm writing this letter to file a complaint against my mortgage company Mr. Cooper ( Nationstar Mortgage Holdings Inc. ) , as I feel I've been a victim of predatory business practices. 

I'm currently in XXXX XXXX bankruptcy. My mortgage and auto loan are not in the XXXX. Back in XX/XX/XXXX, I got 3 months behind and requested a repayment plan. My XXXX attorney wanted {$1000.00} to do this ; however, I didn't have the funds. So, she instructed me to deal directly with Mr. Cooper 's appointed lawyers ( below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX XXXX I negotiated a repayment plan with them ( Please see attached email and Motion for Relief ). I signed the document and sent the document back. I agreed on making my regular mortgage payment, plus an additional payment of {$890.00} till XX/XX/XXXX to cover the past due balance, plus they added close to {$1500.00} in 'junk fees ''. However, a few months later, I had a lawyer review the document. She informed me that the paper I signed wasn't just for the repayment plan ; it also included that I waived my rights, and they could fast-track a foreclose. Neither my lawyer nor Mr. Cooper 's attorneys ever told me that -I was waiving my rights. If that had been cleared, I would never have agreed to the repayment plan. 

( I tried reading the document ; however, I must agree the legal language was beyond my comprehension ). I'm sure Mr. Cooper knows there is plenty of equity on the property, and I assume that's why they pulled a fast one to take advantage of my situation. 

In XXXX, I got approved for Emergency Mortgage Assistance through XXXX XXXX, CO ( please see the approval email and communication ). On XX/XX/XXXX, they mailed Mr. Cooper a check ( check number # XXXX ) through their bank for {$6000.00}. According to Mr. Cooper, they never received the check, which is untrue as according to the XXXX XXXX Emergency Mortgage Assistance Advisor ( XXXX XXXX ), Mr. Cooper not only received the check but also even cashed it. I've spent many hours with Mr. Cooper with no luck. Recently The XXXX XXXX Emergency Mortgage Assistance emailed and faxed Mr. Cooper a copy of the cleared check. As per Mr. Cooper 's representative " XXXX '' ( out of AZ ( XXXX ) XXXX ), she is going to request an investigation, and she couldn't tell me how long it would take. 

My take on this is Mr. Cooper intentionally did this so they could start a fast-track foreclosure ( as I mentioned earlier, how they duped me in signing ) as there is a good amount of equity on the property.
Consumer complaint received 2024-01-05
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

I have been banking with Chase for a few years. I have XXXX personal credit cards, XXXX business checking and XXXX business credit card. Back in XXXX, my ink business card was used to make unauthorized purchases online for XXXX airline tickets. I called the fraud and dispute departments to dispute them since the merchants directed me to my bank. I provided Chase with a copy of all the evidence such as my tax returns and lease to prove that I had no tie with the person who used my credit card but I was still made liable for those charges around {$1600.00} that has been accruing interest since XXXX. I enjoy banking with Chase and have been a loyal customer and want to preserve the relationship so I really am hoping Chase can help me resolve this issue as it is causing me a lot of stress. Thanks in advance.
Consumer complaint received 2017-01-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

I have gotten as many as XXXX calls from these people in one day. They call several times a day every few hours, sometimes as soon as 30 minutes later. I do n't answer numbers that are blocked because I do n't know who it is. My husband answered one time when I was away from my phone and they said it was Comenity bank. This is getting to the point of harassment. I work night shift so they are waking me up all day long. Also, I was under the impression that they are not allowed to block their number. Is there anything I can do?
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I received an email around XX/XX/2023 with a promotion about my Chase United Explorer credit card saying i could receive XXXX bonus miles after spending {$6000.00} by XX/XX/2023. I clicked " accept offer '' in that email and began to spend. 
Within a couple weeks, I realized that I never received a confirmation email so I called Chase Customer services and asked a representative if I had been accepted into the program. I don't have the dates of most of my calls, but I know they took place between XXXX and XXXX of 2023. My first call was made early in the reward programs window and prior to my first {$500.00} being spent. The customer service rep confirmed that I was in the program : which is the reason I proceeded to spend money on that particular credit card. 
I called a few more times within the promotion window with the final two calls happening on XX/XX/XXXX and the XXXX. On both days, I was reassured that I not only was enrolled in the program, but I had also fulfilled my end of the bargain with the purchases made on those same days. 
After about a month, I noticed there were no additional rewards points or miles added to my chase account. I then contacted Chase customer service and was told that my points were on the way. I waited about another month and contacted them again. This time I was told that not only were my points on the way, but there were actually far more points coming than i originally believed. The rep said I was actually receiving XXXX points and gave me a date in XXXX that I would see those points in my account. 
I then called on XX/XX/XXXX, about a week after the date I was told I'd see the points. I was then told by a representative and subsequently her manager : that i never signed up for the program and I would not be receiving the points. 
I know the phone calls are recorded for " quality assurance '', and asked them to listen to my past calls. They said they'd review the situation and sent me a letter a month later saying the same thing : my points will not be honored because I was never signed up in the program. 
I genuinely feel scammed. They should have to honor the information i was given by numerous Chase representatives. If I wasn't signed up in the program, each Chase rep that i spoke to along those months wouldn't have reassured me that I was signed up. They each had to search through their system ( put me on hold ) and came back saying, " Yes, you are all signed up. " And then they'd tell me how much more money i needed to spend in order to hit goal. 
I never thought to have them email me any confirmation which is a decision i regret but thats because i knew they were recording our calls. I've lost hope in the situation but I atleast want as many people as possible to know. Chase is so wrong for this.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The public records items below were " deleted '' from my report. The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ... 

PUBLIC FILINGS US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine US BKPT CT IL XXXX not mine
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (MD)

I just got a new mortgage provider and was looking forward to making bi-weekly payments instead of monthly payment so I could pay down the loan quicker and better connect my payments to my bi-weekly paycheck. But my mortgage provider wants me to pay a {$150.00} setup fee. I do n't think it 's fair to charge me for this pay structure which can help me save money.