davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Upon receipt of the Escrow Shortage notice we paid the amount of {$530.00} and that payment was sent to Mr. Cooper. Special note- the notice DID NOT have a mailing address listed on the notice so we called to get the mailing address nor did the notice indicate the borrower could make a payment to clear up the shortage. This is poor communication from Mr. Cooper. 

We made the normal payment of {$670.00} for the XX/XX/XXXX payment. 

About XX/XX/2022 we phoned Mr. Cooper to ensure that they had received the escrow shortage and that it was properly placed into the escrow bucket. Upon discussion, we noted that we sent the normal payment of {$670.00}. Nothing from the agent on the phone was mentioned as to a payment increase. Also we were told that the payment would not change. 

We now have a billing statement showing the receipt of the both the escrow shortage and XX/XX/XXXX payment. However, the amount due is more than the normal payment of {$670.00}. We phoned Mr. Cooper again on XX/XX/2022 to inquire about he increase of the monthly payment. We were told the increase was due to insurance and taxes. The increase is {$32.00} per month or {$380.00} per year and there is a reduction of taxes due to age for this property. We were told by Mr. Cooper could not send a new Escrow Payment Notice so we could see why there is an increase in the escrow. 

We asked that our call be escalated to a supervisor because we want to see the calculations used by Mr. Cooper for any increase. We spoke with agent XXXX # XXXX We are sending the normal payment of {$670.00} for the XX/XX/XXXX payment and will need the updated Escrow statement to analyze why Mr. Cooper feels the new payment should be more than {$670.00}. 

This borrower is on a fixed income and needs to ensure any increases are legitimate. 

Thank you
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank On XX/XX/2021 I purchased XXXX XXXX Products from their website using my Citibank Debit card, at that time they double charged me. I immediately tried to inform XXXX via their Instant Messaging. Since their messaging system is useless and uses pre-programmed responses, it was a vicious circle trying to tell them they double-charged me. 

I immediately contacted Citibank to let them know. They insisted I wait a few days to see if it drops off. It did not. I disputed the charges repeatedly and Citibank contacted XXXX. They claimed that I made two separate charges, that is a bold-faced lie. I only have one computer. Why would I order two? It is mind-boggling to me how XXXX would not just refund me the {$69.00}. I have disputed this charge with Citibank no less than five times and walked into my Local branch where they reversed the charges and then Citi Corp. re-charged me because XXXX continued to say I purchased two. 

I am confused, this is my Bank account and they refused to protect my Account. Citibank stated that XXXX determined that I bought two subscriptions. I have been a Customer with Citibank since they changed from XXXX 20 years ago. 

I just dont understand why XXXX XXXX XXXX company would forcibly steal {$69.00} from a single XXXX with two children and Citibank is complicit in allowing it. After seeing Citibanks F Rating on the XXXX Rating of XXXX stars out of five, its no wonder they have a one star rating and over XXXX complaintsI am clearly NOT the only one having issues. I believe they need to be investigated for improper/unethical Business Practices. 

Any assistance in this matter would be greatly appreciated. I look forward to your response. Please let me know if you need anything further from me.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

My bank account was emptied by a person who pretend to be my web security technician, when I signed up for a web security contract with a legitimate web servicing company called XXXX XXXX XXXX This perpetrator called said he's from XXXXXXXX XXXX XXXX company and has the same accent as the other persons in the company. Their telephone number is : XXXX. I had screen share with this perpetrator with my computer. When I found out my bank has been emptied, I contacted Chase and they said that they can not reimbursed my account because it was not their fault that my account was hacked. I have been a customer of Chase for more than twenty years. I was not treated well with this incident. They have insurance but they refused to help me. Please help me. {$43000.00} is a very large amount for me. That's practically all I have. I wanted to use this money to paid my one year back rent. Now I have to borrow money from my family and friends.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

good day my complain is about the assent i have sold online on a social media specifically on XXXX XXXX  and XXXX, fortunately the buyer has seen the advertisement and was willing to buy the my product and the buyer introduce to me the the special account called PayPal that I must register as he going to pay me on this account and i have register to this account and became a member but i was struggling to link the account to my account on the XX/XX/2021 and i as seller we agree with the buyer that he will pay me on this account called paypal and the money will link to my personal account. XXXX amount was deposited in paypal account that i can use or seee it but the client promise to see to this matter but i manage to trust the buyer and this paypal thing scam, well after shipping the product to XXXX from XXXX XXXX to Mr. XXXX in XXXX the was confirmation on on the paypal account of my money transfer the paypal account says it has i technical problem the money will be available after 72 hours and i have waited till the 72 hours is gone then they introduce the a knew thing that says my money cant be transfer to me as the have deposited more money in my paypal account wish i can not see it with a naked eye ... .up untill i pay XXXX XXXXXXXX to the client for the additions that i can not see or any thing that say they have deposited money in account but i MUST PAY MR XXXXAL THE BUYER XXXX and they will deposite XXXX to my account ( 1 ) i must e wallet this mr XXXX who already have my product the XXXX XXXXXXXX and i will be able to access this shirty account call paypal, i have mange to save all our conversation with the buyer and paypal accounts manager
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I have received numerous - hundreds, if not thousands of calls from this company. I recently pulled a credit report and attempted to pay the debt. They refused to provide information and now they have told me they refuse to speak to me, or to provide information on resolving the debt unless i obtain a lawyer. I have attempted to send them payment to resolve the debt and they are refusing to provide information on the debt amount, and payment remittance address. The service reps have repeatedly been disrespectful, demeaning and down right rude. I requested a letter that they would remove the debt with payment in full, they refused and sent me to a website with generic information. The service rep - XXXX XXXX then stated " I dont really care about your debt of {$700.00} as much as my job and I will not help you with your problem anymore ''. Absurd tactics from this company.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XXXX sold XXXX coin at inflated rate and didn't allow users to sell or convert their assets by freezing their money ( while the coin was crashing ) over XXXX users were involved in the same issue. They kept our money hostage for over a week now without any explanation
Consumer complaint received 2021-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have tried calling but either disconnected while waiting or other issues. 

XXXX : I am requesting the 'parameters ' used to determine their Fair Isaic Code determination for the credit score matrix for ; 08, Too many inquiries last 12 months, 09, Too many accounts recently opened, 10, Proportions of balances to credit limits is too high on bank revolving or other revolving accounts, 14, Length of time accounts have been established, Equifax : I am requesting the 'parameters ' used to determine their Beacon Code determination for the credit score matrix for ; 00005, Too many accounts with balances, 00014, Length of time accounts have been established, 00030, Time since most recent account opening is too short. 

XXXX XXXX : I am requesting the 'parameters ' used to determine their Empirica Code determination for the credit score matrix for ; 004, Lack of recent installment loan information 012, Length of time revolving accounts have been established, 014, Length of time accounts have been established, 030, Time since most recent account opening is too short. 

I would request their parameters for all the individual codes for future use. 

Thank you, XXXX
Consumer complaint received 2021-06-28
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. (MA)

On XX/XX/21 I purchased 6 storage bins online from Home Depot using my Home Depot credit card. The order number was : XXXX, and the amount of the purchase was {$220.00}. The Home Depot store that was supposed to fulfill the order and ship to me did not do so, even though I paid an additional {$35.00} fee for next day expedited shipping with a shipping window between XXXX and Noon. When the order didn't arrive as scheduled I contacted both the store and the Home Depot Credit Card company to cancel the order. The order was cancelled and I was told that a credit in the amount of {$220.00} would be applied back to my Home Depot credit card within 3-5 business days. When a credit was issued, someone from Home Depot Credit Services made a typographical error and entered the credit wrong as {$2.00} instead of {$220.00}. I called and was bounced around between the customer service department, disputes department, fraud department, and security operations department. They all knowingly admitted that someone on their end made a mistake in entering the credit amount wrong, and that it would be corrected within 3-5 days. It was not corrected. I filed a formal dispute online and within days received a letter saying the issue was resolved in my favor and the {$220.00} credit had been issued and the dispute closed. It was not fixed. Nearly a month later and multiple calls later and a trip to the Home Depot store have provided no results and no fixes to their error. I want this fixed and my credit issued asap. This is wrong and I as a consumer shouldn't have to make sure the credit card company does their job properly. In addition to my credit being issued, I would like a letter of apology for the extreme inconvenience and stress this issue has caused me. Based on all of this I probably will never shop at Home Depot again. I have attached a copy of the letter from Home Depot Credit Services showing the dispute was resolved and a supposed credit of {$220.00} issued but it was not. I also included a screenshot from the Home Depot website showing that the Order # XXXX was cancelled.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX and I am submitting new information as my rights have been violated and cfpb needs to make this company respect the law. 

This is related to case # XXXX Under section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) once I submitted my Affidavit Of Identity theft form, that I have sent over to this company more than once now, this account was supposed to be removed and closed out. 

The most they have done is shown my balance is XXXX. That is fine, but that does help my situation. Under the Fair Credit Reporting Act, I am supposed to be protected against negative remarks that have been placed with the CRA 'S per this fraudulent account. since the company has had more then 30 days to remove this account due to me being protected under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), I now want CFPB to enforce this law and demand this account be removed from all Cra 's .

The company has already stated the balance is 0.00, and account has been discharged. so there is no harm in removing this negative account from my profile, especially if I state the account is Fraudulent and have filled out affidavit stating so and under 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) I am suppose to be protected. So demand removal asap and updated reports be sent out once completed. Next step would be to file complaint with state attorney office and press charges against this company for discrimination and completely violating my rights and pursuing to report fraudulent activity on my account.
Consumer complaint received 2021-11-28
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. (GA)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX Bank XXXX XXXX Late Payment from Bank XXXX XXXX, XX/XX/2020 Late Payments from XXXXl XXXX, XXXX to XX/XX/2020 2020
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX and Equifax unlawfully took adverse action against me by reporting unfair inaccurate reporting. I disputed the account for inaccurate reporting and TILA violations and XXXX XXXX TOOK IT UPON THEMSELVES TO ADD MORE NEGATIVE REMARKS TO MY REPORT WITHOUT MY CONSENT NOR WRITTEN PERMISSION. THE ACCOUNT WAS DISPUTED ON XX/XX/2022. XXXX XXXX XXXX XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

My name is XXXX XXXX on XX/XX/XXXX my card was used at a atm to withdraw XXXX dollars twice I didnt notice because I had my card on me I just used at the store so I knew it couldnt be me. Then a couple weeks later someone used it on XXXX XXXX thats when I noticed one of my phones was missing out my car that had my accounts on it. So on Tuesday XX/XX/XXXX I open a dispute at XXXX and by XXXX Wednesday XX/XX/XXXX my dispute was closed with chime saying I made the charges so I called to try to reopen dispute but they said I have to wait 10 days to reopen dispute but I havent received the email yet and still havent received my money back from the charges werent mine.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

My first problem with AMEX started when I first opened my account and never received my card. I was able to purchase my course at XXXX XXXX XXXX of a little bit over $ XXXX online because they provided me a temporary card for online purchases. After the 10 days I was supposed to get my card, but that never happened. I called the customer service many times to complaint about but still I never got my card. Therefore, I paid my balance and cancelled my account with AMEX. However, on XX/XX/2019 one of my classes at XXXX XXXX EXTENSION was cancelled so I had a refund of {$930.00}. Because  of the refund I contacted the customer service to have the amount transferred to my bank account and I was told that they were not able to make an online transfer to my XXXX XXXX bank account, so they would have to mail me a check of {$930.00}. It's been over a month and I have never received my check. I keep contacting them over the customer service to solve my problem and every time I call they make me go all over again to say they'll update my address and process a new check. I truly don't know what else to do. 
This has become a nightmare.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Returned a gold ring on XX/XX/XXXX by XXXX  to XXXX XXXX XXXX total of XXXX and this company recieved my package but never issued a refund and never helped me with my issue. Called Wells Fargo and they opened a dispute after 2 months they closed my case and sided with the company. This is wrong and unethical. I provided Wells Fargo with the XXXX  tracking number of the returned package. I provided the proof that the company never issued my refund with the XXXX return tracking! I will be closing my account after 3 years of having Wells Fargo. I do not want to bank with a company that cares about profit from a company rather than my loyalty and doing the right thing!
Consumer complaint received 2019-03-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I contacted CitiBank requesting them to close my checking and savings accounts. Prior to account closure, my account balance level qualified my accounts for a waiver of account fees. At the time of the call, I had already transferred all my funds out of the account, therefore the service representative informed me that my accounts would be closed with no further action needed. I confirmed during the following week that my accounts were closed by logging into CitiBank 's online portal, which correctly no longer displayed any of my accounts which were closed. 

Later, on XX/XX/XXXX, I received a letter from CitiBank dated XX/XX/2019, informing me that a " Bank Service Fee '' in the amount of {$25.00} has been charged to my account, which had been closed more than a month prior. The letter indicated that the account balance was {$0.00} ( XXXX XXXX ) prior to the fees being charged, resulting in a {$24.00} overdraft. I believe that the balance claimed by CitiBank is incorrect and my account should have had a {$0.00} balance due to being closed. Additionally, the letter detailed what appeared to be an overdraft fee in the amount of {$34.00}. 

Since the account had already been closed more than a month prior at my request, I believe that the service fee and the subsequent overdraft fee were in error. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( ID number XXXX ) who assured me that the account would be closed and that the service fee and the overdraft fee was refunded. 

On XX/XX/XXXX, I received a letter from Citi bank, dated XX/XX/XXXX, demanding a payment of an overdraft in the amount of {$58.00} and threatening to report my accounts to consumer reporting agencies. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( team ID number XXXX ) who informed me that the savings account had not been closed and remained open with a balance of {$0.00}. XXXX also confirmed to me that the overdraft charges for that account had been refunded. I once again requested that XXXX close the account. XXXX confirmed to me that the account will be closed. I also notified CitiBank that I believed that I should not have had any remaining balance in the account, but that they were welcome to disburse the balance via check if they disagreed with that assessment.
Consumer complaint received 2022-08-22
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. (NH)

My credit report recently dropped XXXX points. This was due to a supposed missed payment on a credit card. I wrote to the 3 reporting companies and told them I do not have a XXXX credit card. Equifax told me I needed to correct the issue with XXXX Bank. 

You will notice that I had a previous complaint with XXXX for issueing a card I did not ask for. Evidently, XXXX issued the card to someone else and they have rung up charges and made small payment, then stopped making payments. It has been impossible to get a person on the line at XXXX to discuss this. They keep asking for the account number, which I don't have as I never has the account. 

I never had this XXXX card. 

I was in the process of buying a house, and now my credit score is trashed. 

Credit rating companies should not be able to just pass this off that it is not their fault that the information is incorrect. Please help me.