davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Solutions Inc (NE)

AR Solutions sent written communication to us about a medical bill from XXXX XXXX that had already been paid months ago. The written communication threatened to damage our credit if we did not pay within 30 days from their statement date. This only provided us a small amount of time to react. We called AR Solutions immediately to resolve the matter, and we were told that AR Solutions had gone through our account already individually and determined that we owed the money ( which we had paid months ago and had a receipt from XXXX XXXX showing our account was paid in full ). After our first call with AR Solutions we called XXXX XXXX and verified that our account was in fact paid in full and we had a {$0.00} balance. 

We then provided a receipt of full payment of the exact bill from XXXX XXXX that AR Solutions was attempting to collect from us. 

It has been over two weeks since providing proof/receipt of full payment to AR Solutions, and we have not received confirmation from AR Solutions that this resolved and that our credit score was not damaged. We have reached out via two phone calls to resolve and ask for written communication back.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

I have filed a fraud complaint with Macys store card team and they sent me an email as a receipt as attached saying " Thank you for your recent inquiry regarding your account ending in XXXX. Please click here, print and complete the attached form and return it to us with a copy of one form of identification that includes your signature, ( i.e. Driver 's License, work ID, etc. ) to the address or fax number listed below. '' but the email has no attachments and the link in the email takes me to a page " Permission Denied You do not have permission to access this document. '' Maycs fraud team is coercing me to pay for charges on my account but not following process of my submission of the claim. This is violation of my rights to dispute charges on my card. Macys is using " no documention '' provided as an excuse to not help me.
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

ON DATE : XX/XX/19, I received a check from a family member for funds used for the purchase of a special needs van for a special needs child in my family. When I went to the bank, Chase N.A., at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, they refused to cash my check. this check was from their bank. The bank manager,  XXXX XXXX, informed me that he has to force me to get an account in order to get more than {$1500.00} for non-members. I called the FDIC to complaint while in his office they refer me to CFPB. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was refer to the bank manager, XXXX XXXX. Who then told me that he too was informed by his management chain that for non-members highest they can do is {$2000.00} or he would be forced me to open an account to get the rest. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was informed their bank doesn't process depositors. 
At the end of the day. Went to ( 5 ) banks to cash ( 5 ) different checks from ( 5 ) completely different banks. Chase was the only problem child.
Consumer complaint received 2022-07-27
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. (OK)

In XXXX i had the credit bureaus to do an investigation of verification and they all said the accounts were verified, but later i got my credit report and i found out it wasnt and it have alot of inaccuracies. These are the accounts in dispute : XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX #, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-24
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: SYNCHRONY FINANCIAL (FL)

Firstly I have great credit XXXX/XXXX score bought new XXXX last year elite credit. Now my score is ruined because of Synchrony bank. I recently moved to Florida and had to buy everything new for my apt . I had several store card purchases and offers. I do everything online. I did not get the bill sent but I eventually saw an alert. They had an incorrect address. I signed up for auto pay for All the accounts. I selected all accept one that is {$0.00} on the top it did not say that the XXXX  XXXX needed autopay to be added. You clearly see that but it was not. I selected before with the others the XXXX   XXXX. There is an issue to use the auto pay. This caused me to be late. I received call from them long after it was over 30 days. I said you never sent me an alert that payment was missed. They said they were going to listen to calls and get back to me. They never did and still charged me 2 month of late fees. They saw again in the system that I attempt to do the auto pay July but it would not accept my checking account it finally went through as a savings account and its not this month. I was on the phone over an hour. The last rep said he could see in the system I attempted to do it. Thats why he credited me one late fee. He said only 1 per year hes only allowed. They also XXXX XXXX keep sending bills to my job and I told them stop. They never fix it. Violation of my privacy. I call synchrony bank and no one helps me to figure it out or fix it. I have auto pay issues recent for new accounts otherwise I pay always within 30 days. Never over.
Consumer complaint received 2020-05-15
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. (PA)

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS
Consumer complaint received 2020-05-15
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: Nelnet, Inc. (CA)

Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in XXXX, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!
Consumer complaint received 2021-11-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (ME)

On XX/XX/XXXX I was sent an email by pay pal saying I was no longer allow to use my pay pal account without an explanation as to why they was holding my funds for XXXX days, all my money in pay pal is my government stimulus money, unemployment & child tax credit, Im single mom with XXXX kids my last child isXXXX month old and I lost my job due to XXXX and only financial survival was my government pandamic funding that pay pal has locked and wont allow me to access my money. Paypal wont give me an explanation as to what Ive done to go against there policys, I have no money and no way to pay my bills or provide for my family due to all my money was in that account due to direct deposit I set up with irs and unemployment, Ive had paypal for over 10 plus years I currently have {$11000.00} in that account that was mine to care for my family threw the pandamic and I have nothing till they release my money and they are telling me I wont be allowed to my money till XXXXXXXX XXXX  2020 I need help this is inhuman and righteous wrong. There will be a disastrous effect on the financial well-being of my family if Im not able to access these funds for XXXX months not to mention no holidays to provide for my family XXXXm a single mom on section XXXX
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I am the primary caretaker of my parents, my father has XXXX and my mother has XXXX. Peoples bank on the XXXX XXXX in XXXX allowed someone to cash checks stolen from our mailbox. I found the fraud when I went to the bank to get on the account so I can do their online banking through the peoples app. We filed a police report, the case # is XXXX at the XXXX police department. Officer XXXX handled the case. Peoples allowed the same person to cash checks from places like XXXX XXXX and XXXX XXXX, so I fear it may be an inside job theyre trying to keep quiet. Were out around {$3600.00}, and my mom cant afford her medicine. I dont know what to do, they said it could take up to a month, but my mother may not have a month. The bank representatives have been no help, and the laziness of the branch working with corporate has ensured this gets dragged out. PLEASE HELP. Our utilities check was stolen and we may get our water shut off soon because one of the checks that was stolen was from the water company XXXX. 

Sincerely yours, XXXX XXXX XXXX XXXX. 
Ima available any time at XXXX, and by email at XXXX XXXX
Consumer complaint received 2021-09-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX, and EQUIFAX continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

COMPANY : SPS or Select Portfolio Servicing , Inc . 
STATUS : 2d Mortgage In XX/XX/XXXX, XXXX XXXX was XXXX XXXX military, serving in the XXXX XXXX XXXX, stationed at XXXX XXXX, VA. This loan was sought as a refinance to gain cash for debt relief ( e.g. pay off bills ). We are victims of SPS in the facts that we sought a lower interest rate and invoked protections under the SCRA and the MLA both intended to protect XXXX XXXX military from subprime lenders which disproportionately affected XXXX XXXX such as ourselves. We have tried throughout years up till XXXX of XXXX ( XXXX XXXX military retirement date ) to request SPS lower the IR but were ignored. We sent certified letters invoking the SCRA and MLA but SPS ignored our inquiries. To date, we are just pouring money down the drain so to speak as the interest is so high and unreasonable SPS contract loaned us $ XXXX in XX/XX/XXXX and has calculated a $ XXXX payout at the end of this loan. This is unreasonable and should be illegal! Now, we seek help from CFPB as we don't know how to relieve ourselves of this subprime mortgage as our efforts to get a reasonable rate has been ignored to date. We have researched the web and found that we should send a " Notice of Error '' for the following because we don't understand our loan terms and it seems with every statement we have extensive fees added to the and swelling principal. No matter when we paid on time or like now, we have not paid since XX/XX/XXXX due to financial problems the principal always increases and never decreases. 

We contend that SPS is : -applied subprime interest rates exponentially high that loan payoff is impossible -refusing to accept conforming payments -improperly applying or crediting payments -imposing unreasonable fees or charges -failing to provide accurate information regarding workout options and foreclosures -dual tracking the customer ( where the servicer pursues a foreclosure while simultaneously evaluating you for a modification or other workout option ), and improperly starting a foreclosure or conducting a foreclosure sale.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

For the past year had a mortgage with XXXX wholesale mortgage and never had a problem. My loan was sold to Loancare without notice. My employer was making my mortgage payments for me due to medical issues and sent in a payment XX/XX/XXXX for XXXX. I was told there would be no late fees for 60 days due to the sale of my loan. I had my employer send in the loan amount that I had paid for the past year because I had received no notice of increased amount. Loancare applied the payment to XXXX ' bill instead of XXXX, even though XXXX ' bill was not due until XX/XX/XXXX and I had been in communication with Loancare, noting on my account about my employer paying the amount and that it would be a little late because I had no documentation provided by Loancare to submit to my employer in order to pay the bill. Loancare is now saying that my monthly loan amount has increased over 100.00 per month, when my property taxes have stayed the same and my insurance has only increased roughly 12.00 per month. I have read many complaints as to the mishandling of loans by Loancare and every time I contact them, I get a different answer. I am now considered " in default '' of my loan because they refuse to send me a breakdown of the costs verifying that what they say is true.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NC)

I was billed an annual fee of {$55.00} on XX/XX/2019. I emailed customer support on XX/XX/XXXX to close my account ending in XXXX. 

On XX/XX/XXXX, I received an email back stating that the account was closed. 

XXXX EMAIL TRANSCRIPT - XX/XX/XXXX from XXXX XXXX XXXX XXXX " Dear XXXX XXXX XXXX : Thank you for contacting Cardmember Service via our website about your FlexPerks ( r ) Business Visa ( r ) account ending in XXXX. 

We have completed your request to close your account. If you have any pre-authorized charges billed to this account, it is your responsibility to cancel these charges. Pre-authorized charges may include, but are not limited to, recurring transactions from merchants such as XXXX XXXX, XXXX, and insurance or internet providers. If the charges are not cancelled, they may continue to be accepted and billed to this account. 

Your account will remain accessible online as long as an account balance remains and will continue to show online for two additional billing periods once the account balance is at zero. After that time, we will automatically remove the account from Online Banking. 


Please contact us again if we can be of further assistance. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX '' XXXX END EMAIL TRANSCRIPT ==== As of XX/XX/XXXX, the account was not closed, and the fee was not refunded. Additionally, a late fee was assessed, including interest. I called in on XX/XX/XXXX to confirm that the card was in fact, not closed, as I was told by customer support. The Annual fee was not refunded as well. XXXX XXXX 's own terms and conditions state the annual fee will be refunded if the account is closed within 30 days of the annual fee posting. 

Summary : The XXXX XXXX representative lied, and said the account was closed. The account was not closed, and the delay caused fees/interest to accrue, as well as lost eligibility for an annual fee refund.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Visa CC # XXXX On XX/XX/2019, I reported my card as lost/stolen with a Capital One agent on the phone, immediately right after I received a text message from Capital One asking me to confirm a transaction, and I replied NO. Unfortunately, there was already a charge for the amount of {$3100.00} on the card, which I did not recognize and reported as unauthorized and fraudulent. I received a temporary credit for that amount on my card, after a few days, pending an investigation. Yesterday, XX/XX/2019, I also had a voicemail on the phone from a lady from Capital One, saying my dispute has been resolved, and I assumed in my favour, or I would have been contacted prior by the agent. Today, however, XX/XX/2019, I looked at my CC and noticed a charge for that same amount from XXXX Store again back on my card. I thought this was a mistake, and called the agent on the phone, wondering what is going on. The lady first told me that I have been refunded by XXXX for the charge, but she can not see on the statement, and neither could I. Then, after she placed me on a few minutes hold, she told me that this charge has been determined not to be fraudulent, and you have been re-billed by the merchant. I asked the lady on the phone, as to why I have not been contacted to provide more information or file a police report for the card that was lost/stolen, and I reported it promptly, and the lady had no answers for me other than the fraud claim has already been closed, and she can no longer do anything. She did not have any answers for me as to what information they have observed to conclude this charge was not fraudulent. 

What has happened here is absolutely absurd, and unacceptable. The card was lost/stolen in another country, while I was visiting, there was a charge on the card which was fraudulent, and was reported as fraudulent on the same day that the charge occurred. Nobody has ever reached out to me from Capital One to provide me with information on what new information they have received to deduce this charge was not fraudulent, or to ask me for more information to resolve this claim. This is a violation of my rights, and by law, for unauthorized charges made by a credit card, reported promptly, I should be reimbursed and not be held liable. Please assist me with this inquiry. Thank you for your time and consideration. 

-XXXX XXXX
Consumer complaint received 2019-08-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC. (UT)

I am responding to CFPB Complaint # XXXX. Another Administrative Wage Garnishment Letter was sent by ECMC to my employer, even though ECMC told my attorney via phone that they XXXX   and a cancellation letter was sent out to my employer. My employer has not received a cancellation letter. My employer told me that ECMC is threatening to sue them for not garnishing 15 % of my gross pay. ECMC states in their response to complaint # XXXX that they sent their attached XXXX XX/XX/2019 letter and a Financial Disclosure Statement form to fill out and return within 15 days of the Letter to my attorney, but there is no form in this letter. My attorney has not communicated with me that he has even received this letter. 

The letter they attached for the complaint is addressed to the wrong address for my attorney. My attorney faxed and emailed with ECMC. Why can't ECMC type the right address on letters? Why can't ECMC fax or email with my attorney like he does with them? This is evidence of ECMC NOT COMMUNICATING WITH MY ATTORNEY. 

ECMC is dishonest, incorrigible, and impossible to work with. They will not work with my attorneys and this has been going on for a decade.
Consumer complaint received 2019-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (AZ)

Car Loan for XXXX XXXX XXXX XXXX vin # XXXX with KEY BANK Loan # XXXX was paid in full after we moved from XXXX XXXX to XXXX  We have requested the title but KEY BANK is saying they sent it to our old address and don't have it saying it's not their responsibility. 
We just received a lien termination letter which is no a TITLE. 
Without a title we can not register the car. 
Without a title, we can not sell or trade the car. 
We paid off the car in good faith and the bank lost the Title and is saying it's not their responsibility.
Consumer complaint received 2019-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (MD)

During the summer months, I experience a decline income due to my employment. Therefore, I request a one month payment extension with my Auto Loan Company, Chase. For the past almost fours years, my request for payment extension is granted. I have never been delinquent with my auto loan payment. However, On XX/XX/2019 my request for a one month payment extension was denied this year. I explained my situation to representative and the supervisor with no avail. After a lengthy discussion and waiting, I was informed the reason for the decline as it is not " contractual ''. This reason for denial baffled me and therefore I emailed the office of XXXX XXXX Executive Director, Communications, JPMorgan Chase & Co. A representative contacted me and stated Chase will follow-up. About week later a representative of XXXX XXXX XXXX XXXX office called. The representative shared her role was help resolve the matter. The representative via conference call contacted the department handing my request. After, reviewing my information my request was still denied based on " policy changes ''. I requested an explanation and representative stated a letter will be mailed with explanation. I have received XXXX letters the reason for denial was not " policy changes ''. I would like CFPB help in exploring the denial of my payment extension request especially since I have been clear reason for denial.
Consumer complaint received 2019-08-26
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. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.