davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was furloughed without pay from my job on XX/XX/2020 because of COVID-19. My wife 's hours have been reduced because of COVID-19. Our income has been severely reduced and so I applied for forbearance of our mortgage payments. Citizens One, the loan servicer, has not responded, has continued to send notices that I missed the payments due XX/XX/2020 and XX/XX/2020, and has charged a late fee. 

On XX/XX/2020 I sent a message to, asking what my options were and what they were doing to comply with the New York State emergency regulations recently passed in response to COVID-19. On XX/XX/2020, I received a response that I should apply for assistance through a separate " Assistance Center '' ( XXXX ) which required registering a separate username. 

On XX/XX/2020 I created a username and applied for assistance through the assistance center. I received confirmation that " You currently have an active Request for Assistance! '' According to an assistance center support/FAQ page ( https : //loansolutioncenter.com/Citizens/en-US/Content/COVID19 ) according to the FAQ 's : " After selecting the button ( Got to Requirements List ), you may be presented with a message indicating that there are no requirements available. This is common for COVID-19 situations and simply means you are not required to upload documents at this time. '' As of XX/XX/2020, I have not received any response and my request for assistance is still active, but the status is unchanged. On XX/XX/2020 our account was charged a late fee. We have received a monthly statement showing that our payments are behind and at least two separate late payment notices, on XX/XX/2020 and XX/XX/2020. 

I now realize that my initial question about NYS emergency guidelines is probably inapplicable because ours is a USDA guaranteed loan. Under the Federal CARES ACT, according to the guidance issued by the USDA : " Effective immediately upon receiving a request for a forbearance from a borrower who attests to financial hardship directly or indirectly caused by COVID-19,  lenders shall provide immediate forbearance of the borrowers Single Family Housing Guaranteed Loan payment for a period of up to 180 days '' ... " During the forbearance options outlined above, no accrual of fees, penalties or interest may be charged to the borrower beyond the amounts calculated as if the borrower had made all contractual payments in a timely fashion. ''
Consumer complaint received 2020-05-10
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: AMERICAN EXPRESS COMPANY (CA)

I called American Express today to say that I will likely have trouble laying next months bill, and after being transferred to 4 different  representatives, they said to call back once I was closer to my payment due date. I tried to say that I want to get ahead of my situation before I got behind in my payments, but the rep said that no matter the hardship there is nothing they can do for me right now. It was very disappointing they didnt even try to help
Consumer complaint received 2020-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter off 60 days ago to all 3 credit agencies and havent gotten a response back I also sent out a 30 day comply and demand letter with no response..now by FCRA laws im supposed to recieved a reponse in 30 days and if not its supposed to be deleted off my credit report. I would like this matter taken care of so i can move forward with my endeavors.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act XXXX ( XXXX ) account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX, I started receiving emails from XXXX which stated an account had been opened under my name for the American Express Serve card. I have received 5 emails regarding statements or other activity in " my '' account between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX I spent more than an hour on hold calling American Express and talking to multiple representatives who were all completely unable to help in any way. They were unable to access details for " my '' account because I don't have the " correct '' ( fraudulent ) information, such as birthday, on file for this account. I am beginning to feel that American Express has a blatant, negligent disregard for the fraud and identity theft committed against me, which they are complicit in enabling.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resolve Partners, LLC (OH)

RESOLVE Partners is furnishing and distributing inaccurate information in regard to my consumer report. On XX/XX/2022, The XXXX XXXX XXXX delivered an Adverse Action Notice pertaining to the credit application I submitted. On this notice, The XXXX XXXX XXXX informed me that a decision was made in relation to the information received from RESOLVE Partners. In detail, my credit application was denied because RESOLVE Partners furnished and distributed the information that I have a " Criminal Background ''. This information is 100 % FALSE!!, I've never been convicted of any criminal offense ( XXXX ) in my life!! RESOLVE Partners has caused me to lose the opportunity to a home that I am deserving of- all because the furnishing and distribution of inaccurate information in regard to my consumer report.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ), XXXX : XXXX ( the Scam Website ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Gemini services
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, we ( myself and my partner ) submitted an offer to purchase a property that was listed for a short sale and being service by JPMorgan Chase with loan # : XXXX back in XXXX, 2020 and since then, It seems like Chase and the seller are discriminating against us because we have signed the counter offer of {$750000.00} for more than 3 months now and we are yet to receive an approval letter. Our agent and the listing broker are having difficulty reaching Chase and according to our agent, it seems like Chase and the seller might be working with another buyer regardless of the fact that our earnest money deposit have been in Escrow and still in Escrow since XXXX, 2020 and we have signed the revised purchase contract that Chase had advised the listing broker to provide, but the seller and Chase are not forth coming. We are confused and disconcerted at this point.
Consumer complaint received 2020-12-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NJ)

In XX/XX/2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at Specialized Loan Servicing and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for three months and in XX/XX/2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

On XXXX I received and email for a job offer for XXXX XXXX XXXX, following a short interview via the app called " Wire '' which is an encrypted messenger app I was sent a letter explaining I was accepted to work for them. Subsequently after they sent me more information regarding the offer and position along with details for hours and pay scale etc, in that message they included information regarding the devices that would be needed to preform this job and how they would send a check for {$2300.00} to help with obtaining said devices - Furthermore, the individual spoken to said a down payment of XXXX would needed to help with this and the money from the XXXX check would be deducted to pay for the equipment. Upon going to the bank on XX/XX/XXXX it was determined that the check that was emailed to me was not only fraudulent but would have taken that amount from my account. 

I contacted Venmo and XXXX XXXX on the same day to stop the transaction or have the money pulled back from the Venmo account that it was sent to considering the offer was fake and no merchandise was ever purchased let alone received thus no service was ever really provided and there would be no grounds for payment to be allowed. XXXX XXXX XXXX was aware of these scam applications as well including the names being used. 

Venmo refused to assist me with any information or resolution for the matter stating it would need law enforcement to be involved, XXXX XXXX XXXX doesn't allow for any reimbursement for scammed clients either according to the individual who I spoke to on XXXX. I had placed a scam report on XXXX and contacted my local law enforcement regarding this issue and have a case number as well
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Several charges were made using my cash card at XXXX XXXX in CA and NY. I dont live in either state. I was in Mississippi at the time of the charges and I have been here over a month. I contacted XXXX and opened a dispute. The representative informed that cash app is aware of the issue and you have done nothing to resolve. The emblem on the charge is not even the actual target logo which appears when you actually use your card at a XXXX store. 

After notifying XXXX and Square XXXX, Square XXXX disabled my account. My funds have not been returned and the scams have continued for over a year!
Consumer complaint received 2022-09-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (OH)

From the beginning of the mortgage process the company told me I had enough VA eligibility for both homes ( until I sold the home I was living in ). Through the months of the build process we were told we were fine. The loan went through underwriting and everything no problem. Two days before we closed they told us they made a mistake and never put in the VA eligibility into the loan. This meant in order for us to close two days always we had to put down XXXX dollars on top of the XXXX we already had to start the build process. This pushed back our closing date and cause huge issues with closing on the house we are selling. This institution told me that I would only have to pay XXXX XXXXXXXX XXXX if I wanted to close on the actual date then came back a day later and said XXXX. This wasnt the only issue we had with the lender NVR multiple communication issues and errors happened throughout the process.
Consumer complaint received 2023-04-08
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. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX AV XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NJ)

Deposited money in to the savings account I tried to set up regular deposits every 2 weeks. When the money was not transferred, i called i was informed that they take the money 3 days before the set date i arranged i wasn't informed of this, I called customer service that was when i was informed that my transfers between accounts was canceled. 
I could no longer move money between accounts I had to open a checking account with Ally. I did I transferred money from the savings account to the checking account I was told to open I asked for a atm card they said that it has been requested but i never get the card it has been a month and i have requested 3 cards that I never receive I can no longer transfer money into the ally account from my chime account and I cant move money in or out without a debit card
Consumer complaint received 2022-12-14
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. (CA)

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any item that was 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 information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Balance : {$5300.00}
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I was involved in a job scam. I was offered a job as an assistant to a lawyer who sent me a check which he asked me to donate to a charity. I received the check on XX/XX/2022 in the amount of {$4900.00}. I was instructed to deposit it into my bank account and send {$1500.00} through Venmo to an account named XXXX XXXX on XX/XX/2022. I then found out that the check was fraudulent, and it bounced leaving my account balance at $ XXXX. XXXX and Venmo both have proven unhelpful in having the money returned to me.
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Dear Sir/Madam, With all due respect, I wish to express my dissatisfaction regarding the situation involving my account. According to your statements, you hold records that supposedly justify your actions. However, the events did not occur as you describe. My account was closed without any preventive notification, and I was informed that my funds had been transferred to the state, claiming they no longer belonged to me. I understand that you record phone conversations for quality assurance purposes. In those calls, I clearly explained that my XXXX XXXX had expired, which prevented me from visiting a branch in person. The reasonable course of action at that time would have been for you to issue and mail a check to my registered address. However, this check never arrived at my address at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. For the past XXXX years, I have received neither a clear explanation nor a satisfactory resolution, and it was only a few weeks ago that I managed to obtain a partial response. This situation has caused considerable harm, both personally and professionally, affecting my mental health and causing me XXXX  due to the issues arising from the withholding of my funds. Furthermore, each time I contacted your support team, the representatives were unaware of my accounts situation, resulting in a frustrating and exhausting experience. It is unacceptable that, after XXXX years, there has been no adequate response. Through this letter, I urgently request a definitive solution. Otherwise, I will be compelled to pursue legal action under applicable consumer protection laws, which safeguard against the unlawful withholding of funds and ensure the right to receive clear and timely responses. Finally, I request that my case be assigned to a representative who can handle it directly and personally, as the experience of speaking with different representatives has proven to be extremely complicated and inefficient. I await your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX