davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I ordered a phone ( XXXX XXXX XXXX ) XXXX XXXX. Prior to ordering the phone, on XX/XX/XXXX, I called XXXX ahead of the purchase to gather the proper information needed to decide if I should make the purchase. During this call, I confimred with the customer service representative that upon purchasing the phone that the monthly payment associated with the phone ( {$19.00} ) would be linked to my XXXXXXXX  phone bill and that I would pay XXXX directly for the purchase. I then puchased the phone online through their website, upon receiving confirmation, I was directed to contact TD Bank in order to complete the purchase. This is where even more concern of mine comes into play. I contacted TD Bank on XX/XX/XXXX to finalize and activate the purchase at which point I confirmed multiple times over the phone with the representative that not only would my payment be linked to my T-Mobile phone bill, but that was purpose of this call in general as the linkage can not be done online and required a live representative. Upon receiving the phone, months later, I began receiving bills in the random amount of {$19.00} from TD Bank for an account that I had no knowledge of. I began making phone inquires regarding this account attempting to dispute in XX/XX/XXXX. In XX/XX/XXXX, I believe that is the correct month, I was directed to file a dispute online. This dispute took well over 90 days to resolve and the resolution on indicated that they confirmed I made a purchase with XXXX XXXX. None of my request to look into their deception was reviewed and completely overlooked. I was never looking to open a credit card account, and I have actually never even received a credit card from either organization. However, my credit has been incredibly impacted and I owe way more on the balance than I ever intended on paying for a phone for an account I should have never had. Since receiving the results of the dispute, I have attempted to redispute this with both TD Bank and XXXX XXXX as none of my questions were responded to. I have also been pending a manager call back from TD Bank and made over 4 requests for this just in the last month alone with no response.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I have tried to access for Equifax credit report through XXXX since the pandemic has began. Every time I attempt to get my report I am told that I would need to mail in a form along with required documents or call into Equifax directly in order to get my report. Once the report is mailed to me, I find the questions I am being asked have nothing to do with my report and all of the personal information asked of me is correct on my report. I have also called into Equifax directly and advised of the situation as late as this week ; I spoke with someone at Equifax who verified all of the information as correct and assured me that I would not have any problems going forward. Today, I go to access my Equifax report through XXXX and I am still having the same issue. When I try to access my reports from XXXX and XXXX using the same information there is no problem.
Consumer complaint received 2022-07-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

This is a follow up complaint regarding reference # XXXX. I originally filed a complaint against BSI Financial. The complaint was closed after the company responded stating that they had sent a request from me asking for additional information. This all occurred back in XX/XX/2022. It is now XX/XX/2022 and while the company has received all of my documentation and has confirmed since XX/XX/XXXX that I have been approved for Recovery Modification and that papers would be mailed out to me within a couple of weeks from the email correspondence. I have been told this several times since the beginning of this process. During this time I have received negative reporting to the credit bureau, a medical credit card was closed due to the reported information, and my credit score was dropped significantly all at once. I have personal called in to make payments since the end of my forbearance. My payments started back on XXXX XXXX. I am unable to pay online due to lack of updates to my account. When I attempt to mail in payments, the checks are never cashed. When I call to make a payment, I have been charged for doing so in the past. This has been a very long process. Most recently not only has XXXX XXXX have not followed through with the documentation or paperwork, she has stopped returning my emails and I have not been able to get her on the phone. Attached you will see copies of our communication regarding this case as far back as XX/XX/2022. I am requesting your assistance with this matter so that I may continue to move forward with my life and get this issue resolved. 


Respectfully,
Consumer complaint received 2021-09-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have tried repeated times for Portfolio Recovery Associates to provide me with the signed contract that I have supposedly entered into with them on something they are illegally reporting to my credit reports. To date for over 2 years they have failed to provide me with anything showing what this debt is supposedly for, the signed contract, what the charges are for, and how the total was calculated. 
I am again formally requesting a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On or about XX/XX/2021, I applied for mortgage payment assistance via a third party government service, upon approval, the agency " XXXX  A XXXX XXXX '' forwarded a check in the amount of {$10000.00} check # is XXXX to MR Cooper.XXXX Since then I received a letter from Mr. Cooper dated XX/XX/2021, advising the check was declined and the funds not applied to the account due to being non certified. The third party agency owner called Mr. Cooper as well and was told to allow 3 days to answer why the funds were not applied or placed in suspense, as the agency owner attempted to clarify as a non profit agency, the checks are sent directly to the lenders per the programs guidelines as outlined by the Federal government. 

Please reach out to me to assist with this matter, since the agency will not provide the funds in the form of a certified check and MR. Cooper staff member states they will not be applied regardless. 

Kind Regards, XXXX XXXX Mortgage account # XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

In XX/XX/XXXX I was admitted at XXXX XXXX in XXXX, CA. I was under XXXX XXXX On XX/XX/XXXX I received a bill from the XXXX XXXX XXXX XXXX for {$1200.00}. I called them and gave them my medical ID. A few months later I received a statement and a letter saying it was going to collection. I called them again. The gentleman on the phone said that they had my XXXX XXXX XXXX to not worry about it. I received a notification yesterday that my credit report included a collection. I called the credit collection company that confirmed that it was related to XXXX XXXX XXXX XXXX. I confirmed with XXXX XXXX XXXX was covered since XX/XX/XXXX and there was no reason for them to send it to collection. Now the collection company is asking me to jump hoops to prove that i was covered when it should have never gotten this far.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC (NC)

Starting receiving calls and voice mails with no one saying anything. I answered the call on XX/XX/2021, I kept asking what the call was for and why I am getting all these calls and blank voice mails. Company would only ask me to verify my address and I kept asking for what and if your a legitimate company you should already have my address and I need to know who you are and why you are calling me. I owe no debts outside of my mortgage, and car payments and not sure why I am being contacted now. My information has been compromised in several data breaches with tmobile being the latest. So I am on high alert when I start getting phone calls all of sudden asking me to identify myself and the company on the other end will not identify themselves or purpose. I don't have any collections on my accounts for the last 8 years. So where is this coming from. I know how old data is bought and sold about consumers and the harassing starts.
Consumer complaint received 2022-01-05
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. (SC)

To whom it may concern, I XXXX XXXX have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and delete the disputed items as soon as possible.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (WA)

On XX/XX/21 I sent money to my brother using WESTERN UNION to XXXX, I specifically requested for my brother to receive U.S. dollars. WESTERN UNION charged me {$18.00} for fees for my brother to be able to receive U.S. dollars. When my brother went to received the remittance 3 of the WESTERN UNION places that he went to they told him that they do not have U.S. dollars to give him instead they told him he either get it XXXX Peso or go to other branches. My brother can not wait my sister-in-law is ill and she needs to see a doctor, so end up receiving Peso instead of a dollars. I called WESTERN UNION and ask to get a refund for charging me {$18.00} instead of {$8.00} for receiving peso. The 2 Customer Representative gave me a case number and told me to wait 90 days for investigation! 90 days for investigation can you believe that? I also want to know why my brother received {$99000.00} instead of {$1000.00}? WU told me that is for XXXX taxes, but they also charged my brother another {$3.00}. I already paid the fees here so it not burden to my brother since they are experiencing very strictly lockdown and no job and they are very poor. How many times WU will milk money to their consumer? That is why I am filing a complaint against WESTERN UNION. The company is deceiving their consumers. This is not about the money, its the principle. They charged me {$18.00} so he can received U. S. dollars but he did not so the difference was if I ask them to received XXXX Peso they will charged me {$8.00} so WESTERN UNION should refund me {$10.00} because they did not provide my request.
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2021-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MS)

On the XXXX i did wire transfer to my Binance.US account, i got notification of the successful deposit the next day, for me to login they disabled my account with the money there Its 3 weeks plus Ive contacted the customer support but they all dead no one is even replying my ticket on what to do very frustrating
Consumer complaint received 2021-09-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

On XX/XX/2016 I entered into a consumer credit transaction with XXXX XXXX  extending them my credit through my credit card. This consumer credit transaction was paid for with a finance charge and is the SUM of all charges and does not include a cash payment under the provisions of 15 USC 1605 ( a ). Also I put down a cash payment of {$11000.00} in a credit transaction in which is against my federally protected consumer rights. XXXX XXXX  and PennyMac also violated 15 USC 1611. They willfully and knowingly failed to disclose information required under the provisions of 15 USC 1601. My information was illegally sold to a third party which is PennMac Mortgage. I never gave consent to PennyMac to contact me or have my information. PennyMac has failed to show original documentation because they were not there for this consumer credit transaction as they clearly disclose. A transfer of sale PennyMac says it common in real estate but common is not governed by federal law. In fact it goes against my consumer rights. I do not have a contract with PennyMac Mortgage, they were not present for the transaction and I do not owe this alleged debt. PennyMac only provides statements in which is hearsay. PennyMac continues to violate my federally protected consumer rights. I sent PennyMac a CEASE and DESIST and they have violated my federally protected rights under 15 USC 1692c ( c ). PennyMac threatened to Sheriff Sale my home which is illegal under 15 USC 1692 ( i ). They can not take legal action when its already paid for and no debt is owed. A contract requires the meeting of two or more natural minds, consent, consideration, and an offer has to be done. That was not done with PennyMac. PennyMac continues to use abusive tactics, and language to oppress myself the consumer. PennyMac has continued to destroy my financial reputation by reporting non public information that they received illegally and without my permission which is identity theft. I was not given the option to opt out of reporting under the Graham Leich Bailey Act 15 USC 6802. PennyMac can not deny my affidavit of truth, it must be answered by federal law. Its a statement of facts because I the consumer was the only one present for this consumer credit transaction. I am the original creditor for this transaction.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (PA)

I signed up to kraken crypto exchange. I worried XXXX from my bank on XX/XX/XXXX. I understood there is a 72 hour or 3 day hold. we are going on 7 days and they refuse to release my money. They've asked me to send pictures write letters read articles etc which I did immediately as asked even though I felt that what they asked for was unwarranted. I felt bullied because I was at the mercy of their discretion toward my funds. It's been 2 days and I have not heard back and my emails to them have been unanswered. My money is still on hold. All I want is my money back in my bank account and off this site. I would warn everyone looking to sign up to stay away. There are tons of complaints against them and it's time we hold them accountable for actions such as this.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Consumer complaint received 2021-09-08
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

Dear CFPB. I signed up for an American Express Hilton card offer where I receive {$10.00} dining credit per month on my card and have used it 7 times already for a total of {$70.00} per credit. Curiously, I've already used my card a couple of times this month at restaurants but didn't get the customary email notification that I'd redeemed the offer. I'm further puzzled whether I'm now supposed to receive a {$20.00} dining credit as an XXXX member. Surpass members receive {$10.00} dining credits per month up to {$110.00} total and XXXX receive {$20.00} per month up to {$220.00} credit. I had two unproductive chat sessions with Amex that did not resolve the issue, and in my experience the best way to reach customer service at Amex, sad to say, is by filing a complaint with the CFPB. I apologize for troubling CFPB with a {$10.00} issue, but I believe it is important that Amex honor their promotion and their chat agents did not resolve this issue. I have been an Amex customer for 14 years with a perfect payment record and fear the quality of their customer service function has going downhill, possibly due to COVID staffing issues which would be understandable, and hope you can help me get the {$10.00} credit Amex owes me. I would have not used their card for this transaction were it not for the offer they made but have, as of this correspondence, yet to fulfill. Thank you for your time in investigating this issue.
Consumer complaint received 2021-09-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I show a bankruptcy on my Equifax, XXXX and XXXX credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I received a check from the company I work for, XXXX. They utilize ADP for payroll and for the past couple of weeks they had been direct depositing my paychecks into my checking account. However, I received a paper check today and decided to deposit it into my account. Now, I am being subject to a 14 day hold even though I have deposited other checks and had them clear sooner. This is extremely annoying and is one of the reasons I am looking to switch banks.