davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I started looking for options to refinance my existing mortgage in mid XXXX. At the time, I reached out to Suntrust Bank ( Truist ) that gave me a good quote. I asked to lock the rate. I was told I needed to apply online by the end of that weekend. I did. Next, all of the sudden, they weren't able to lock that rate and of course rate was higher now. Did not move forward. 

In XXXX, I decided to get quotes again, got a decent quote and this time and I was able to lock the rate ( of course with a little increase by the time I did ). I went through the whole process. Got my initial closing estimates, which I agreed to. When time to close on the loan arrived, I get closing disclosures, which, in the section of Services Borrower can shop for, the cost had tripled from the initial disclosures. I reached out to the mortgage officer and she went back, asked her supervisor, and came back saying that it was a mistake and that she was going to fix it " not to worry ''. A few days later, I get a call from the title company to close on the loan. At that time I did not have a final closing disclosure. The closing was set for XXXX on XX/XX/20. That morning neither myself nor the title company had the closing disclosures. Finally, at XXXX, they sent 4 different disclosures with different numbers not stating which one was the correct one. 
The title company kept trying to come to get my signature. By XXXX I managed to talk to the mortgage officer ( XXXX XXXX ) who told me that the closing disclosures where the ones I had gotten in the past. I told her that I had not agreed to that and that those services can not increase more than 10 % per mortgage rules ( I did not shop for those services. I accepted the services provided and quoted by the bank ), and instead they were increasing 300 %. The mortgage officer said that they had to change title company and that was the price. I refused to close on those conditions and told her to refund me the appraisal fee she had charged me, as I was being defrauded. She ignored me. 
The following week, after I made clear I did not want to close with the bank anymore, all of the sudden, another title company calls me to close!! I went back to the mortgage officer and asked what was that. Her response was that she can not give me the money back but she can now close with the original disclosure estimate. 
I continued to say no, I do not want to work with people or an institution that behaves like that. It was a clear situation where the officer or the bank was trying to rip me off. Only when I decided not to go ahead they lowered the costs to what they had promised. They clearly lure people with fake rates ( that then they increase ) and with fake closing costs ( that then they increase ). This is dishonest! 

I only asked for my refund of {$680.00} to forget about it and move on. The mortgage officer has ignored all my requests.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

I sent in a bank check for XXXX ( last four digits of account number written on check ) and a payment stub to Barclays on XX/XX/XXXX. The check was received by Barclays and payment was made by my bank to Barclays on XX/XX/XXXX. I first called Barclays on XX/XX/XXXX to inquire why the payment was not applied to my account. An investigation was opened at Barclays and I have since not been given any acknowledgment that my payment was received despite giving them a copy of the cancelled check from my bank. The customer service reps give me vague boiler plate answers telling me a resolution will come within 2 billing cycles!
Consumer complaint received 2020-06-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I submitted 3 requests to First National Bank for a loan modification on our current mortgage. We have been denied each time due to insufficient income, which is exactly why we are requesting the loan modification in the first place. We have suffered job loss and severe income loss and the loan modification request is to help provide us with a lower payment while we continue to re-build our income. 

The letters mailed do not provide detailed information regarding how they came to terms with determining that our income is insufficient even with a modified payment. When I call and speak with someone every time, they only read notes on the account and do not go over detailed information with me ( DTI, NTV ) nothing. All I am told is that this is a FHLB loan and they ( the loan servicer ) don't make the decision, that investor does, who we never speak to. 

We are current in our loan payments, even with the high amount and they are telling us that we can't afford a lower payment even if they lower our payment. That is absurd and this is predatory at this point. No one is willing to work with us for other alternative options, nor have they offered us any alternative options. 

We want a loan modification and to keep our home without sacrificing our livelihood.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Tranunion continue to report fraudulent student loans on my credit report that do not belong to me. I have tried to dispute these accounts to no avail. They are both in violation of the FCRA.
Consumer complaint received 2020-06-25
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. (FL)

I have a card info in my credit report XXXX XXXX, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NY)

A unauthorized transaction through XXXX  in XX/XX/2021. Contacted pnc bank multiple times open multiple disputes tried contacting through phone mail and email and I'm constantly being ignored. None of the reps know what's they're talking about being lied to
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated taxes totaling {$5100.00} was not received, it was intercepted by a third party, cashed in my name. An affidavit was filled out, sent in to Wells Fargo in re, a second check supposedly reissued in XXXX or XXXX of 2020, after I had moved on XX/XX/2020. This amount, {$3700.00}, was offered to me as result of unauthorized accounts opened in my name which I never needed or wanted, XXXX XXXX offered this via phone conversation and would not put offer in writing which is highly suspicious. Also, a second check representing a mediation settlement in the amount of {$500.00} with estimated taxes totaling XXXX was also sent to old address, not received. Wells Fargo reps replied to prior complaints by merely verify address, disregard the fact I moved prior, claim checks were cashed. If they were in fact cashed, it was by someone living at address at the time after I moved, not myself. Mail has been forwarded to new address at XXXX XXXX XXXX XXXX XXXX, CT XXXX, no checks received to date for either amount. The last Wells Fargo rep replied again by merely verifying old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX The rep before that replied by stating the old address was one I had provided, no proof provided as to what address I had given to anyone with Wells Fargo. Even if I mistakenly provided wrong address, that does not change the fact no payments received.. I have checked with Post Office, they show no missing mail or undelivered mail forwarded to new address. In case payments were sent via XXXX or XXXX, neither carrier would know I no longer live there, would have dropped packages, not knowing otherwise..Failing to investigate, reissue payments from Wells Fargo, I will forward on this information to an attorney to look into, file suit if necessary. I prefer to resolve this directly, unfortunately, the reps at corporate office are clueless as to what I'm talking about, attempt to refer me to Wells Fargo Settlement site which is separate from remediation program in which these payments were issued from.
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

JPMorgan CHASE charges {$1.00} that CHASE calls '' convenience fee '' for paying my XXXX bill by phone. A rep from JPMorgan CHASE said they do not charge any fee. Why am I getting charged an additional {$1.00} to pay my bill over the phone with a debit/Visa card? 

Please advise as it was taken out of my account as a separate charge. In addition to my current monthly bill. 


.Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-03
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)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I have 3 XXXX XXXX credit cards since XXXX excellent payment history. One of the suppose to have no pre- set spending limit in exchange for a {$500.00} year annual fee. But that was not the. Case for 7 years American Express DID assign preset spending {$4000.00} which they never set to the preset spending limit as promised. Still I continue to pay the annual fee for 7 years along with {$100.00} each for other 2 separate cards. I kept complaining when are they going to do what is promise in the contract of no preset spending limit. America express just gave me excuses. 
FINALLY enough is enough. I made a payment. On XX/XX/XXXXon all two cards and The agent told me no payment is required on the platinum card. Days later the shut down all three cars because they said I did not make a payment on the platinum card. I explained I was told not to make payment on the platinum card by your agent and why did you shut down all there cards when two was current. I demand an investigation and I also demanded a full refund of the {$500.00}. Yearly fee for full duration that they did not give me the NO PRESET spending limit. Fort 7 years. The kept stalling in with multiple investigatorion while they were adding late fee and interest why they were inverstigating what happen. They have Fruadently added charges with all the fees for the next year while they were doing there investigation closed my account and doubled what was was originally owed and refused to refund my annual fees $ 500x 7 years. Plus {$100.00} for each of the two cards the blue and sky card they cancelled eventhough is it was current. But they cancelled because they reject the payment for the America express platinum card.
Consumer complaint received 2022-07-17
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: Contemporary Information Corp (CA)

I signed up for my report to be pulled on XXXX and the report is inaccurate. The company that pulled the report is XXXX I was a victim of identity theft and XXXX is reporting inaccurate evictions that have already been proven not to belong to me and have already been removed from my credit reports as well as my XXXX  XXXX report. These have already been reported to the cfpb. I want these removed immediately. I have never lived at these addresses that are being reported. It has already been investigated and proved that they dont belong to me. Also, if you look at these evictions there are 2 from the same Address. It doesnt take a genius to know that one could not get evicted from the same place twice, 5 months apart according to the XXXX Report, clearly something isnt adding up. How could one supposedly be evicted and then go back to the same place and be evicted again, as XXXX is reporting? That makes no sense. 

I have also included screenshots of the other 2 things that appear on the XXXX report. Two traffic tickets that are in-fact mine. Notice how on the top of the report it says my full name XXXX XXXX XXXX it also says my correct full name on the traffic tickets. On the 3 evictions that do not belong to me it does not say my complete full name. It only says XXXX XXXX. When filling out any applications, documents, or legal documents I always put my full name XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX knows that they provide inaccurate information because they clearly state it in the first attachment that I have submitted. This is unacceptable and I want this immediately removed from the XXXX report.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

All three credit reporting agencies : XXXX, Equifax, XXXX do NOT have customer service that answers the phone. All three push consumers to an automated phone line where it is not possible to speak to a human. I've often had trouble logging in to their site and am unable to recover a password or unfreeze my credit, causing me to miss opportunities to apply for credit. 

Many other industries have requirements that customer service ( human ) must be available to customers. Why are these companies allowed to have such a large influence on our lives without being required to provide adequate human-based customer support? 

See attached file or try calling any of the toll-free number for any of the major reporting agencies and attempt to get a human on the phone- it is literally impossible. They simply have their system tell you it can not help you and then hangs-up on you. 
However if you pay them an annual fee - then they will answer your call. This is a way for them to try to bilk consumers out of money after they are already being paid by companies and being reckless with our data ( exposing our social security numbers in poorly protected systems ) Customers have no choice but to use these companies- so we MUST be given options to speak to them when things go wrong and they negatively impact our lives.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

My mortgage company SELENE Finance states that I am behind XXXX mortgage payments in which I am not. I was discharged from bankruptcy on XX/XX/XXXX, the mortgage payments made had to be up to date right up until discharge of bankruptcy and continuous. If not I wouldn't have been discharged from bankruptcy. The mortgage banks statements from SELENE Finance from XX/XX/XXXX through XX/XX/XXXX show an up to date mortgage bank statement balance due. In other words all was showing current with no payments missing or behind. 
The mortgage bank statement for XX/XX/XXXX wasn't even sent. Though a mortgage bank statement for XX/XX/XXXX was sent where it showed that I was now behind two mortgage payments, how is this possible! I have been battling with SELENE Finance and there customer service agents, and till this date they cant tell me or show me whether in writing, e-mail, text, over the phone, certified return receipt any proof of their records where it shows that I am behind these mysterious two payments. Selene Finance continues to send us notice of foreclosure letters, even though we continue to pay our up to date mortgage payments. 
My family and I are so upset, on the brink of a XXXX XXXX that it's affecting our livelihood and our children. I have been making mortgage payments for XXXX years now this is not the way to experience the American dream of of buying and owning a home. I hope the CFPB can help our situation.
Consumer complaint received 2020-06-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (OH)

PNC is refusing to allow my account link to XXXX. XXXX has the necessary selections and even logs me into the PNC account during linkage. PNC does not allow the usage to proceed any further. I can not transfer funds to/from my brokerage as PNC does not allow linkage to XXXX from their website despite allowing other brokerage links.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

On or about the end of XX/XX/XXXX, I received a letter from Synchrony bank after I removed several items from my account that were linked to an authorized user I removed in XX/XX/XXXX that kept reappearing, that stated they were reducing my borrowing credit to {$100.00} from approx 8k, owing {$0.00}. This is a slap in the face as I have had the account since approx XX/XX/XXXX paid ontime and as agreed, and I am still a Oustanding member. I have been going through a seperation for which the house is in dispute and yet I have other credit lines and pay them on time with credit borrowing above 8k and they have yet to reduce my line. I will never again take a credit card from Synchrony bank and will be letting anyone I can about how they treat good standing customers.