davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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: Paypal Holdings, Inc (TX)

I purchased 2 flights through XXXX XXXX using PayPal. I Cancelled all of the flights after Paypal chose to close my account ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX XXXX ( attached ). However- there is no money back on my card or in my paypal account. Paypal Transaction IDs : XXXX XXXX {$13000.00} Paid and no refund. 

I performed a XXXX complaint and CFPB complaint against Paypal and their response was " On XX/XX/2021, the Merchant attempted to send two payments to your Account for a total amount of {$13000.00} ( Payments ) ; however, these attempts were denied due to the limitation on your Account. As a result, PayPal retuned the Payments to the Merchant and we are declining your request for reimbursement. We recommend that you contact the Merchant directly for further information regarding the location of your funds. '' This is incorrect. After this response, which tells me to contact the merchant, I spoke with XXXX XXXX via a XXXX and DOT complaint. The refund was sent to Paypal in full and I have attached documentation to support this. Paypal is either deliberately lying to the CFPB or isn't actually researching the information.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation (TX)

My credit report shows an open account with Concord Financial for {$17000.00} which was last updated on XX/XX/XXXX. The account is no longer open with Concord Financial and should be shown as either closed or cancelled. I called and recorded a call with Concord Financial on XX/XX/XXXX with a third party credit validator for a home mortgage to verify the account was in fact closed/cancelled. I asked Concord Financial to update my credit report and they have not updated my file. It is still showing as an adverse account. I can provide the recorded call if needed to show that Concord does agree that the account is closed/cancelled with {$0.00} due.
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Funding Corporation (IL)

On XX/XX/XXXX my offer was excepted and I notified XXXX XXXX of Home Funding Corporation ( XXXX, XXXX, NMLS # XXXX ) that the offer was excepted. XXXX did not lock in the rate until Friday and explained that the rates with up. Later XXXX needed additional documentation on a transfer of funds from my XXXX XXXXXXXX XXXX account to my XXXX account. At the time my computer was not working and I needed to complete these requests during school hours. ( XXXX ). He stated that he is familiar with XXXX and I can do it on my phone. Well, the only want to get a current transaction history on my phone with XXXX is to download it as a spreadsheet. I knew that my personal information will not be attached to the spreadsheet. I may have a third-party call with XXXX and was able to get access to the XXXX statement today. XXXX processed to get highly volatile and emotional on the call. I asked him to calm down, I remind him that I was his client. I tried to explain that the statement was not available until today. All of this was done in the present of my attorney. I called corporate to explain I can only move forward with someone else handling my file, XXXX XXXX XXXX XXXX XXXX agreed to handle the file. The next request XXXX was a letter about my adoption and prior address. He told me if I was to go back with XXXX, XXXX would complete those letters I needed. I told XXXX I only agreed to move forward in this process if XXXX was no longer doing anything on my case. XXXX then informed me that he could not do those letters. I asked him how much was I paying for them to provide this service to me and he told me he could not and would not share that information. The next request came from XXXX and XXXX confined that I needed to send a payment for the appraisal via XXXX that they don't take credit cards. Everything about these interactions screams unethical. I am not familiar with this process but I do feel that they are trying to scam me and others. I have saved all the emails if you would like them for your investigation. They should not be allowed to treat people in this fashion.
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (GA)

The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (VT)

Company has called 14 times in 3 weeks. 

Everytime they call, they do NOT identify themselves as a debt collection company and only ask for random names. The names change every time. 

I have asked to be removed from their call list as they are calling a BUSINESS line that hs been mine for 7 years - they refuse. I spoke to a rude man named " XXXX '' and then " XXXX '' and " XXXX '' all who are incredibly unhelpful. They also use tactics that do not disclose they are a debt collector - they say they are a resources and receivable company. 

I explained that I am filing an CFPB complaint and they told me " Try me ''. 

So here I am!
Consumer complaint received 2021-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (TX)

CMRE Financial Services at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as pasted due balance. I Do NOT know this company. I have never done any business with this company. This company does NOT have a contract with my signature.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Solomon and Solomon, P.C. (NY)

Went to open a checking and Saving account on XX/XX/2021 at XXXX XXXX XXXX 
They ask for driver 's license and utility bill to verify your account/identity. We spoke, account was set up with at deposit and I left the office. About two weeks later, my reporting company that announces credit activity sent a hard credit inquiry by made by XXXX XXXX XXXX, this was done without my permission or consent. I called the company on or around XX/XX/XXXX and asked to speak with a Manager. The staff left a detailed message and the following day I spoke with XXXX XXXX the manager which acknowledge the pull without my consent and apologized, however did not know how to correct the unauthorized pull. I would have questioned why ( this is not a loan and 2 points of verification were given ) a credit score hard pull was needed and not open the checking/savings account if I knew. This was not an application for a loan/liability situation, just a situation for EFT or direct deposit were low liability is found. The rep XXXX XXXX did point out that they had many come for loans due to low rates. My questions then looking back is -- -does XXXX XXXX XXXX pull without consent or letting their clients/members their credit scores so then they can make a move in business and then " upsale '' so they can make money from the customer. This sneeky behavior should be investigated immediately as it # 1 Harms my credit score # 2makes a business move with the Credit Bureaus best interest not mind, I am aware of how to fix my credit and don't need you. If you care to help me, you would include me. # 3Removes consent by the customer The application form has no place were I need to sign or initial on.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PENTAGON FEDERAL CREDIT UNION (AR)

I have reached out to the creditor on multiple occasions asking for assistance. I am struggling due to being XXXX  with XXXX. The creditors response ... ..lowering credit limit to a few XXXX dollars above balance, charging fees and refusal to accept partial payment.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a platinum Capital One credit card and was approved. I contacted them on several occasions asking if they report to the bureaus in which they answered yes. However, Capital one failed to uphold theyre policy to hep one build credit not harm it. The credit bureaus could not find anything or reporting from Capital One, so I requested to close the account and have my balance ( deposit ) returned. On the other han as a result of their horrible service I now have an inquiry on my report in which I would like removed in all fairness.
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (PA)

Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 74 days and I have not received a reponse. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file XXXX.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NM)

Reference Case # XXXX On XX/XX/2021, I called Comenity Capital Bank ( XXXXXXXX XXXX  ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative ( CSR ) and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment, the XXXX asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. 

In the beginning of XXXX of 2021, I received a statement from XXXX XXXX  Comenity Capital Bank stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given a finance fee of {$9.00} for a total of {$44.00}. 

I sent a message on XX/XX/2021 stating that I filed a complaint with the CFPB and that the CSR I spoke with asserted that I would not have any other fees. I received a message that same day XXXX XX/XX/2021 XXXX from Comenity Capital Bank on their web site stating that my request has been forwarded to the correct department and they thanked me for my patience. 

I received another statement with a closing date of XX/XX/2021 and a due date of XX/XX/2021 for the amount of {$81.00}. This is due to another {$37.00} in fees. I last spoke with Comenity on XX/XX/2021 and the CSR could not find the recorded conversation I had with the CSR who took my initial payment. Comenity Capital Bank is engaging in unfair business practices by taken advantage of consumers. They are using bait and switch tactics. Lastly, Comenity Capital Bank is willfully and knowingly providing false information so that they may charge fees that are excessive.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (VA)

In XX/XX/XXXX, I signed up with an XXXXXXXX XXXX XXXX to finance my XXXX XXXXXXXX for two years. The beginning balance {$6400.00}. I made consistent payments and had {$1400.00} remaining balance as of XX/XX/XXXX. Due to Covid, I lost my previous job and took a new job that pays a lot less. After reviewing my XX/XX/XXXX statement, I saw that my balance went up to {$3900.00}. The promotional deadline was different than my statement deadline, which is the end of the month. I was charged {$2400.00} in accrued interest after XX/XX/XXXX. I paid off my original balance of {$1400.00} on XX/XX/XXXX. 

It was my understanding that the interest was going to be of the remaining balance, not the original balance of {$6400.00}. This was my understanding based off what the credit card sales representative originally explained to me before I signed up for the promotion in XXXX. I was charged approximately 29 % interest of {$6400.00} on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and explained my situation. The first customer representative claimed that I had no interest charged to my account but could not clearly explain where the additional {$2400.00} came from. I expressed my financial hardship due to the coronavirus and what the original credit card representative told me. He told me that I was receiving a credit of an unintelligible amount and that it will be reflected on my XX/XX/XXXX statement. 

I was skeptical so I called again for a different representative. Again, I explained my situation on how the pandemic severely diminished my salary and I struggled to pay but eventually paid off my original balance on XX/XX/XXXX. The representative told me that they could not do anything about the additional {$2400.00}. I asked if there was any covid-related assistance and she told me no because of the contract. I then expressed that the contract was confusing and that being charged almost 29 % of {$6400.00} was unconscionable and not my initial understanding as explained by the credit card representative who recommended the plan to me in XXXX. He explained to me that interest would be of the remaining balance -- not the original balance. Had he clearly expressed that it the interest was based on the original balance, I would had made payments differently. 

It is highly immoral for the credit card sales representative to make a false representation of the interest scheme, which I relied on.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We were working with Bank of America Loan Officer XXXX XXXX. XXXX asked us not to use the Bank of America system to load our documents and insisted that we send our documentation directly to him. He also told us to ignore everything the system asked us for and he would provide us with the instruction that was needed. We did as we were instructed by XXXX. 
The day or two prior to closing, XXXX called us and notified us that our loan application was cancelled because he did not provide the documentation that we sent him timely. He also informed us that it would be another month before we could close on our loan because the loan needed to be restarted. We involved XXXX XXXX XXXX XXXX ' manager ) who assured us the ball would not be dropped again. The loan was restarted. 
XXXX then provided a closing date of Monday, XX/XX/XXXX. The Friday prior to that date at XXXX we still hadn't received the closing documents. We attempted to reach XXXX and XXXX with no luck, but we did get in touch with XXXX XXXX. 
XXXX lied and told us that Bank Of America had not received the title and would not receive the title for 2 months pushing our closing out that long. After joining a conference call with our attorney, he was forced to admit to the lie. He had the title and told us that he and the bank operations team would work through the weekend to get the closing documents to us in time to close on XX/XX/XXXX. Today is XX/XX/XXXX. 
We again went hunting down the documents that the bank was supposed to provide in the am. About noon on XX/XX/XXXX, we were informed by XXXX and XXXX XXXX that we were cleared to close but the operations team loaded the closing disclosures late so we would have to close on XX/XX/XXXX. It is close to closing time and we have no documents still and no explanation from the bank. 
This experience has been harrowing and has cost us thousands of dollars. Bank of America has not been responsive. Their customer service has hung up on us after having us hold for XXXX minutes and escalation of issues is extremely difficult.
Consumer complaint received 2022-06-29
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: Experian Information Solutions Inc. (FL)

It appears that my credit file has been endangered.I was looking over my records once more and I discovered a lot of items that not belong to me. I'm really particular about research, thus, I found that under section 605b of the FCRACredit Bureaus are required by law to remove any items which is found to be opened due to identity theft.. Im attaching the required FTC Report with FTC report # XXXX XXXX & XXXX and other documents that proof of my identity and current address. Please block these following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX US DEPARTMENT OF EDU ( Original creditor XXXX XXXX XXXX XXXX Balance {$3200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires credit Bureaus to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If theres no records provided & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

My complaint is against Diversified Adjustment Service , Inc at XXXX XXXX XXXX, XXXX, MN XXXX I believe the account XXXX XXXX  was created fraudulently to extort money from me. I don't have or have never had an account with XXXX XXXX. I have had this appear on my credit report XXXX XXXX XXXX in the past and had it removed due to fraud. 

I tried to pay Diversified Adjustment Services, INC to make this go away. I received a letter that if I paid {$110.00} of the {$160.00} debt that they would close the account as paid. After I submitted an electronic payment from an account in good standing and with the funds available, I received a letter that the check was returned, I was charged an extra {$25.00} and that I needed to send them a physical check within 5 days of the letter dated XX/XX/21. 

Please stop this extortion. I am positive this is a fraud and {$110.00} will wind up being taken from my account as part of this fraudulent act!
Consumer complaint received 2021-06-28
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: CNG FINANCIAL CORPORATION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (NV)

XXXX has removed the data from MY CONSUMER REPORT as it is inaccurate ... ... See attached File ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report legal complications may arise. 
As stated before ******* ( a bankruptcy never happened ) ********** This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE