davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Two years in a row I have had this problem with Carrington mortgage saying I do not have insurance on my home. I have provided them proof twice from the same insurance company when they sent me this false information. I want them to stop harassing me because I do indeed have the proof that I do have insurance on my property and I have sent them a copy of that information from the insurance company and they have. I am under the impression that they are trying to hoodwink me or trying to get control of my property and thinking I dont know whats going on, but they are an XXXX  and not a legal bank and I can not wait until mortgage regulation comes into affect with the new administration because Im gon na make sure that they investigate this mortgage company trying to take advantage of people. 
They had also sent me a letter that they had changed my mortgage company when I called them. A woman answered and was very confused about how to answer she goes. Let me go and try to find out something about it. I have that letter, but Im gon na also file it with thXXXX XXXX XXXX XXXX  and commission because They can not play games with me. I am not sleeping on Carrington mortgage and I dont want other people that have that mortgage company to think that they are operating ethically because they are not. How many times do I have to tell them and show them that Ive had the same insurance for the past 13 years.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

To Whom It May Concern : I am writing to dispute an account on my credit report, which I have contested four times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : : {$460.00} Account Open Date : XX/XX/year> Issues : Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you provide : The last billing statement from the original creditor, including the amount due and the date it was due. 
If you can not provide this information, I request that this account be deleted from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (WA)

I had checking account that's free with northwest banking before Wells Fargo. I had free savings account before Wells Fargo. I was grandfather in without fees. I didn't sign up for fees. I had over {$650.00} in checking and they shut it down by taking fees when I was grandfather in .Then they took another {$350.00} out my savings to close it without signatures I had those accounts before Wells Fargo took over. I want my money in a check. Lousy 45 years with them and I paid off credit card early and they dinged my credit for it without having a balance on the card. Wells Fargo said they had no idea what I was talking about. I had someone take care of their negligence across three credit bureaus for their mistakes.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I have an " XXXX XXXX XXXX '' credit card through Bank of America. When I acquired this card in XX/XX/2019 I immediately set up autopay for " amount due '', assuming this would pay the monthly balance not including pending charges. The other options were " minimum amount due '', " account balance '', and " fixed amount ''. I recently logged into my account and found that I have been paying the minimum amount this whole time. I called Bank of America and was told that " minimum amount due '' and " amount due '' are the same thing. I would never have chosen to pay the " minimum amount due '' because I don't want to rack up a huge balance and pay interest on that amount. I feel it is deceptive if not fraudulent to include these two options along side each other when they are the same. I have been paying hundreds of dollars in interest and it's not fair.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Subject : Complaint About Unjustified Account Closure by PenFed Credit Union Dear CFPB, I am filing a formal complaint regarding the sudden and unexplained closure of my account by PenFed Credit Union. 

On XX/XX/2024, I opened an account with PenFed under my name, XXXX XXXX, using the email address XXXX. During the account opening process, I provided all the required documents, including my Individual Taxpayer Identification Number ( ITIN ). PenFed explicitly states that they support opening accounts with an ITIN, and my account was successfully opened after meeting all their requirements. 

However, shortly after the account was opened, PenFed unexpectedly closed it without providing any explanation. This action has left me confused, frustrated, and deeply dissatisfied with their service. I have not engaged in any activities that would violate their user agreement or terms and conditions. 

I feel that PenFeds actions are unfair and show a lack of respect for consumers. Closing an account without justification not only disrupts my financial activities but also undermines the trust I placed in their institution. 

I am requesting CFPBs assistance with the following : 1. Investigating the reasons for the sudden closure of my account. 
2. Ensuring that PenFed provides a transparent explanation for their decision. 
3. Advocating for the restoration of my account, as I believe the closure was unwarranted. 

This situation has caused me significant distress and inconvenience. I urge CFPB to ensure accountability and transparency in this matter. I am willing to provide any additional information needed for your investigation. 

Thank you for your time and support. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (MN)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I recently reviewed my credit report and noticed that these items do not belong to me. I would like to know will these items be removed. Inquiry 's are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are on my XXXX report. I haven't applied for anything, I'm a victim of a XXXX  data breach that recently took place. 

XXXX XXXX Is reporting on my XXXX account also XXXX XXXXXXXX XXXX
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AR)

My U.S. bank business debit card was stolen and charges was made fraudulently. I filed a dispute today, but I did not receive any confirmation email or nothing about my claim. Charges totaling {$8000.00} was stolen from my account and a police report has been filed. I ask that this claim be governed for constructive fraud being caused by this major bank. I ask that this claim be taking serious and a due process investigation be conducted.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (GA)

The Fair Credit Reporting Act ( FCRA ), also known as 15 U.S.C. 1681 et seq., is a federal law that regulates how credit reporting agencies ( CRAs ) handle consumer credit report records. The FCRA 's goal is to protect the privacy and integrity of personal information, and to ensure that CRAs are fair, accurate, and confidential. The FCRA also gives consumers the right to access and correct any inaccuracies in their credit reports, and provides legal remedies if their rights are violated.
Consumer complaint received 2024-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP (FL)

Formal Demand for Statutory Damages for Violation of Florida Consumer Collection Practices Act. 

I am writing to bring to your attention a violation of the Florida Consumer Collection Practices Act ( FCCPA ), specifically, Section 559.72 ( 17 ), which prohibits communication with a debtor outside the hours of 8:00 a.m. to 9:00 p.m. without prior consent from the debtor. 

On XX/XX/XXXX, at XXXXXXXX XXXX., and on XX/XX/XXXX at XXXX XXXX., I received a payment reminder email regarding my account ending in XXXX. This communication was sent outside the legally permissible hours and without my prior consent, in clear violation of Florida law. 

Under the FCCPA, consumers are entitled to statutory damages of up to {$1000.00} per violation, in addition to compensation for any actual damages incurred. As a result of this unauthorized communication, I am formally requesting the following : Payment of statutory damages of up to {$1000.00}, as allowed under the FCCPA for each of these violations.

Immediate assurance that all future communications will adhere to the legal requirements set forth by the FCCPA.

Written confirmation that this violation has been acknowledged and addressed within 15 days of receiving this letter.

Failure to respond to this request within the specified timeframe will result in further action, including but not limited to filing formal complaints with the Florida Attorney General 's Office and/or pursuing legal action to seek statutory damages and any additional compensation for actual damages and attorneys fees.

I hope to resolve this matter promptly and amicably. Please confirm in writing that you will take the necessary steps to ensure compliance with the FCCPA going forward. 

Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

Several hard inquiries over the course of years on my report. Dating back from XXXX accounts that i do not recognize, I have contacted these companies to alert them of fraud. I did not give any of these companies my authorization to run my report. Please help me to get this issue resolved. Again, I did not give these companies permission to pull my credit, to authorize my credit report.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, I received a call from Chase Bank, calling to confirm if I had submitted a new credit card application. I informed them that I had not, the lady on the phone was very nice and stated that they would send a report to the credit bureaus to erase the hard-inquiry. 

On XX/XX/2023, I received an email from Chase congratulating me on my new credit card. I immediately called Chase and informed them that this was a continuation of the identity theft, and that this was not me. They immediately closed the account, and again, stated that they would have the hard inquiry pulled from my credit report. 

I check my credit report on XX/XX/2023 on XXXX, and they still have these hard on my credit report. The other credit bureaus, do not have this hard inquiry on my credit report.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (LA)

I bought a computer on a Best Buy credit card back in 2020 and paid it off in a few months. About twice a year I would have unknown charges. I would dispute them, but pay them anyone and ask that the card be closed and I was told it was closed. This happened several times ( including this time ). The last time ( prior to today ) that I paid an unknown amount- I was led to believe it was the total amount due on the card. I was told the account would be closed. In XXXX I received another bill ( this time for {$100.00}. I spend several hours on the phone trying to dispute this and asked them again to close the card. It was not done and they reported the failure to pay to the credit bureau which dropped my score fro XXXX to XXXX. I attempted to remedy this situation by talking to 10 different people. Every time I got transferred to the people who could supposedly help their audio did not work 100 % of the time. I finally paid the total amount due. When I got my credit report -- it showed that they dropped my credit limit but that the account was still open despite instructing them to close it multiple times. I wold like to dispute this on my credit report.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP (WA)

I have just noticed that there have been illegal transactions in my account since yesterday, which I was completely unaware of. The last transaction I made was to my school, XXXX XXXX in XXXX. It seems that someone has hacked into my account, as I was not aware of these unauthorized transactions at all.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

On XX/XX/XXXX my checking account was fraud. That day I called the US Bank Fraud department and filed the claim. The fraud that was committed amounted in {$900.00} in an instant XXXX transfer made to a " XXXX XXXX '' not from my account, due to our computer being hacked. My mom and I had linked bank accounts because of student banking. From the information that the bank has shared about this issue they had said that the XXXX transfer was not even made from my own account. The money was transferred to her account and sent through her XXXX which she also had never enrolled in. On XX/XX/XXXX my claim was denied by US bank which I did not find out until the XXXX when I had called myself. I received no letter, no email, and no phone call. I had then requested the information as to why the claim was denied and they had told me they can not give me that information and to wait for the letter. That day I refiled the same claim. I was told I would receive a letter about the first claim soon because she had sent a request for them to send it to me again. Still have yet to receive this information and it is the XXXX. Throughout trying to figure this out both companies involved which are XXXX and US bank has been impossible. XXXX bank has told me multiple times that I need to contact XXXX and file a claim with them yet every single time I have tried they tell me to go to US Bank since they handle my account. So which one is it? I had filed another cfpb claim but through XXXX. No information has been provided to me as of today.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (MI)

I am not liable for this debt of {$2600.00} with Amsher Collection Services ... ... Account Number XXXX I do not have a contract with Amsher Collection Services , they did not provide me with the original contract as i requested with my signature and ID verification.
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

Their were two accounts illegally made in my name... Wells Fargo stated on the phone call in XX/XX/year> that different people made accounts in my name. I don't know when they were opened, however they were closed in XX/XX/year>.
Consumer complaint received 2024-11-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (NY)

I XXXX XXXX canceled XXXX XXXX operator and paid their last mailed bill of {$53.00} on XX/XX/year>. Reference number:XXXX Since then I havent received any more bill. Today XX/XX/year> I got a notification email from my XXXX XXXX saying there was a significant change in my Credit score ( XXXX points ) and a debt collector named Amsher collection service owe {$14.00} assigned by XXXX XXXX as their client. 
I never got any mail from Amsher about this amount and unbelievably they put derogatory remarks in my credit report including XXXX points deduction. 
1. My question is how a mobile operator didnt send bill by mail or email to the customer and directly send it to debt collector?

2. How a debt collector reports credit union about {$14.00} payment missing without sending mailed notification to the customer?? 
I believe there was no payment remaining after I paid {$53.00} and I am speechless how XXXX XXXX can do such XXXX  work with customers. 
My XXXX XXXX account number was : XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (CT)

Complaint against : Consumer Portfolio Services, XXXX, XXXX and XXXX I purchase a vehicle in XXXX that was was voluntarily repossessed by Consumer Portfolio Services in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. 

My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} ( {$8400.00} ). This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). 

The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C. 

THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Consumer complaint received 2019-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

We are senior citizens ( ages XXXX & XXXX ) who are experiencing a hardship and trying to remain in our " '' Forever Home '' ( constructed in XXXX, next door to our son/caregiver ) and his family ) for as long as our health will allow. We have reached out to our Mortgage Company, JP Morgan Chase for assistance but have been denied approval because we are NOT presently facing bankruptcy or foreclosure. According to their review of our monthly expenses and income, our house remains affordable according. 

We feel they are discriminating because of our age and want to force us to sell our home. For 13 years we have been loyal customers to Chase... never missing a payment and now borrowing from family each month in order to meet the monthly mortgage payments. When we built our house, my wife and I were enjoying 6-figure salaries and were preparing for this time in our life. Since that time, the company I managed since XXXX was sold, my wife 's company closed during the real estate collapse and now our health is failing. We have our savings, had to give up a part time job because I could no longer perform the duties, and with next month 's payment we will begin to fall behind on our mortgage payments. 
Our house has been valued by XXXX XXXX at {$490000.00} and our remaining balance is {$270000.00}. Our credit score is nearly 800 with all 3 major reporting agencies. Normally we pay off our credit card balances each month but we've had some unexpected expenses that have increased our balance to nearly {$1000.00}. We've been trying to refinance but either our income-to-debt ratio is too low or we can't find an interest rate that will reduce our payment. 

Our credit rating has always been of great concern and we've made application for mortgage assistance before the situation deteriorates. We are simply trying to be proactive in what is to come a desperate situation. 

We know the wisest thing to do would be to sell our house and take the equity but we honestly feel our health would not survive a move to another location. Plus, our caregivers live next door and keeping the house would be less expensive than entering a facility. We do not know how much time we have to enjoy our home but are simply seeking a lower payment for the next couple of years until we can obtain a Reverse Mortgage.