davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (VA)

I believe I received an EIP debit card in a white envelope and put it in the trash as junk mail. The IRS website stated that the payment was sent out the week of XX/XX/2020. But we ( my wife and I ) have not received any payment from the government but may have received, as I recall, a unsolicited envelope from Money Network. Money Network would not reissue or replace the lost Economic Impact Payment ( EIP ) debit card or advise whether the card was issued without providing a social security number even though we had to provide a portion of the SS # to gain access to a representative ; they insisted on the full social security number for identification purposes or to even look up information. This practice is in violation of FTC 's instructions, as well a federal law, on its secure website that specifically states " Dont give them your Social Security or debit card number, or any other information. Then report it to the FTC at ftc.gov/complaint which I did. I am reporting the company for violation of scamming, attempting to scam, requiring a social security number as a form of identification and as a scam intended to steal money issued under the stimulus payment Economic Impact Payment program. We are unable to obtain any information regard the EIP payment or debit card. We are unable to collect the stimulus money issued to us because of the corrupt practices of the company. I am unable to assess whether the card was issued, the status of the card or any other information other than the IRS website stating the the money was sent XX/XX/2020. This appears to be an attempt to retain money issued under the EIP program by the company. The amount involved is the reported {$2400.00} that would have been issued under the EIP program. Without addressing this issue the potential is {$100.00} 's of millions or more will be lost by people unable to obtain and unknowingly lose their EIP payments as a result of this company and the failure of the government to adequately inform people that they were issuing EIP payment by a third party and to be aware of this issue.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

My Original debt is with XXXX from 2013. I do not deny that, in the amount of {$1.00}, XXXX. 7 years ago! Debt collectors buying bad debt has the debt looking like its a new debt. And The amount has gone from the original {$1200.00} to {$2.00}, XXXX. How can this happen? I have disputed this many times only to get a letter stating the debt is VERIFIED. Verified by who? The debt collect? This amount is not correct and neither is the date of the debt.
Consumer complaint received 2020-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (SC)

On XX/XX/2020, a major hail storm severely damaged our home. An insurance claim was filed that night. The Adjuster came to inspect the home on XX/XX/XXXX. He sent us the report on XX/XX/XXXX. We received the check that weekend. 

The following week, we contacted Movement Mortgage, asking them to endorse the check, as their name was also on it. They refused to endorse it. They verbally told us the insurance company could write a new check just to the homeowners, but they would not put this in writing, so the insurance company could not do anything. 

One of Movement Mortgages managers called us and instead of speaking to us professionally, was incredibly rude and spoke down to us. He ended up hanging up the phone on us. 

The next Monday, we called Movement Mortgages Regional Director, but instead of calling us back himself, he had another Manager call us. He still refused to sign the check and claimed he couldnt because it was over $ XXXX. He couldnt give a reason other than its policy. 

He kept pushing it off on to XXXX, who was set to take over the servicing of the loan. While he did pay for the check to be overnighted to XXXX, we are no closer to having our house repaired. 

Our house has been sitting with holes in it for 2.5 weeks, and XXXX is now saying it will be a total of 3.5 weeks before they even know if their Processing Department has the check ( that we overnighted ). XXXX refuses to expedite the process. 

Meanwhile, our house continues to sit without repairs being done even though our contractor is ready.
Consumer complaint received 2020-05-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANNER CORPORATION (WA)

In XX/XX/XXXX my husband and I opened a construction loan with Banner Bank for our primary residence. The loan amount was {$810000.00}. The construction loan was supposed to convert to a conventional mortgage automatically after completion of the home. Unfortunately, our builder walked off the project XX/XX/XXXX after destroying our septic Field causing {$50000.00} in mitigation losses. 

Banner Bank was notified that the builder had walked off the project and that I was working towards completion. Since XX/XX/XXXX, we have been paying for a monthly extension on our construction loan until we can obtain a Certificate of Occupancy. 

In XX/XX/XXXX, Banner Bank decided they no longer wanted to wait for the completion of our primary residence and converted our construction loan into a mortgage without our permission and without a Certificate of Occupancy. We are paying principal and interest on the entire amount of the construction loan even though Banner Bank refuses to release the remaining {$54000.00} until completion. 

Banner Bank has told us that the last 10 % of the construction loan funds could not be dispersed or reapplies to our principal until we received a Certificate of Occupancy and all liens are satisfied. They stated that the unused funds ( {$54000.00} XXXX would remain in an escrow account and we would still have to pay principal and interest on the escrow account. 

I have explained to Banner Bank that we are in litigation with the builder to have his unjustified lien released and that I havent been able to get a Certificate of Occupancy due to the county inspections being closed during the pandemic but they refused to hold off on the mortgage conversion. I also explained that this action puts us in undue hardship during the pandemic because we now have to pay for principal and interest on a property which we can not legally live in, homeowners insurance we do not qualify for since the house is not complete, and a higher amount of property taxes which will essentially sit in their escrow account. We are also locked into a 5 % interest rate 30-year-mortgage without the ability to refinance because we do not have a Certificate of Occupancy.

They have refused to explain how they can legally do this and when we were advised that this action could happen. Every time we ask to elevate this issue they ignore our questions and refuse to work with us to achieve a resolution. I have emailed the head of the mortgage/construction Department with no answer. The person who has been corresponding with me is XXXX XXXX, Assistant Vice President, Custom Construction Supervisor. She refuses to answer our questions and has told us twice to talk to our lawyer because Banner Bank is operating under standard practices in their industry.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NJ)

This is concerning a charge on XX/XX/2020 for a XXXX  purchase. I filed a dispute with Chase in order to get my money back because I never received the item and the buyer cancelled the order. After several weeks of waiting I received a notice saying that the dispute was found not in my favor because they did not receive any proof of return from me. I once again stressed to them that the dispute concerns an ebay ordered that has been cancelled and I did not have any product to return because I did not get any product to begin with. Now, this repeats for a couple more times, with me writing to them that I disagree and clarifying the situation with supporting documents, and then on XX/XX/2020, I once again send a letter to Chase clarifying that I disagree with their decision and will not be paying the charge because the order was cancelled and I did not receive any product so there is nothing for me to return. I even included message logs between me and the buyer that indicate that the order is cancelled and that nothing has been shipped out to me, I even included ways that they could contact him in order to verify the situation. Even with all that information, just today I received a notice saying that the dispute has once again been found not in my favor, so I here I am today, five months after the date of purchase, with no money returned and product on hand.
Consumer complaint received 2020-05-21
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX  XXXX {$5400.00} DPT EDXXXX XXXX {$1300.00} DPT EDXXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT EDXXXX XXXX {$800.00} DPT EDXXXX XXXX $ 2864DPT ED/XXXX  XXXX {$2300.00} DPT EDXXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}
Consumer complaint received 2020-05-21
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: Account Brokers Inc. (CO)

My XXXX credit report shows 3 medical collection debts, of which I did not receive proper notice of on my credit report.This is interesting, since I previously had an open payment plan with the debt collector and was paying for other medical collections, these should have been included in that payment plan. When I was made aware of these through my mortgage broker I immediately contacted the collection agency and they agreed to remove them from my credit report in exchange for full payment. I have contacted the collection agency several times. They indicate my file has been updated and it takes over 45 days, this not what the law reads. I have opened disputes and they have been closed with the credit reporting agency. I have applied for a mortgage and been denied as a result. This is adversely affecting my credit and needs to be corrected per the FCRA. Your assistance is appreciated.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I received notification via email and then checking with my online credit card account that my credit limit was decreased from {$6000.00} to {$1800.00} this morning due to reviews of my credit profile. The crazy thing is on their site my FICO score increased by 12 points within the last month and they say that my latest review warranted it. Very rare is what I found when researching this and very horrible in time such as this when my other cards are helping they decide to rob me!
Consumer complaint received 2020-05-21
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$11000.00}
Consumer complaint received 2020-05-21
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: HYUNDAI CAPITAL AMERICA (AZ)

I have provided documentation to credit bureaus and company to show I turned my lease on time and had made all monthly payments and paid excess mileage and damage. I was given an amount to pay within 120 days from letter received which I did. I paid {$3700.00}. Last lease payment was due in XX/XX/2018 and paid on time.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NY)

XX/XX/2020 Hello. 

I am trying to connect my XXXX bank  account to my PNC reserve account. PNC apparently had made changes that block me from linking the accounts. Please help seeing as I use XXXX as my main savings account. 

The only action I have been able to take is submit a complaint. 

Thank you.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Citibank fails to apply a payments appropriately. They has created a practice where i can not pay a revolving balance without paying deferred balances 2 months early. 
They allow no way to adjust this. Not by a phone call, email, in person payment. 
Background : I use 'promotional deferred interest on purchases ' offers monthly. 
In XXXX of 2020 I had a deferred balance come due. 
I made a payment to pay the XXXX deferred interest balance in full. 
Instead of the payment being applied to the XXXX deferred interest balance it was applied to the XXXX deferred interest balance that was not due for another month. When this occurred, the deferred interest from the XXXX promotional balance was charged to my account ( placing {$1500.00} ). 
I called immediately and the interest was withdrawn.However the situation was not fully corrected. The XXXX deferred balance was put into a revolving interest accruing balance. 
The situation now is that i can not pay off that revolving balance and each month i get charged interest. I have contacted them several times to correct this. 
Citibank has a policy that they refuse to apply payment to a revolving balance when there is a deferred balance coming due within 2 billing cycles. 
I have made all payments on time. I can not get the revolving balance paid off. I didn't Additionally, they have created a deceptive practice of advising the customer, to pay a certain amount to avoid interest charged. I met that value and still was charged interest. 
When questioned about that announcement showing a value to avoid interest, i was told that is a courtesy and they don't have to follow that. 



.
Consumer complaint received 2020-05-14
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. (MS)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-05-21
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 BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX- XXXX ( {$350.00} ) XXXX XXXX XXXX- XXXX  ( {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (WA)

I had a checking accout at TCF Bank in XXXX, AZ. When I initially opened the account I was given the option to have " overdraft protection '' which I declined not once but several times. 
The reason why I declined the overdraft protection was in the recession in XXXX ' one of the banks that I had a checking account allowed me to overdraft my account via my debit card over 1000.00. I was under the impression that 1 ) the  debit card would be denied, 2 ) with that amount of ovedraft how come no one called me. I ended up with several hundred dollars in overdraft fees and cost. This was the reason why I declined the overdraft. 

I had the account for several years. I went on a trip to XXXX XXXX and knew that my account balance was low on my TCF debit card and still used it since as in the past when the debit went down to " XXXX  '' no overdraft would be added. In XXXX I used the card and never was stopped from using it so quite naturally I figured I had funds in account since the card wasn't being denied. 

I travel alot and sometimes when the balance was low I would place more funds in the account. On one occasion when I was back in AZ I went to the TCF bank in XXXX where I was told that my account was closed for lack of funds and saw then that I owed again several hundred dollars in overdraft fees. 

When I contacted TCF bank in MN the lady told me that at the time I opened the account that I had requested the overdraft which naturally I declined which was a lie, and then the lady said that later on I asked for the overdraft protection which of course I denied. 

I asked for documentation such as a copy of my bank application when I opened up the account and also for any other request from me to have the " overdraft '' protection which naturally I haven't received. 

If you go over the history of my account you will see that for three years there were not overdrafts and then on this " XXXX '' all XXXX broke loose. I contact the Department of Consurer Affairs and the Attorney General in AZ and was told to contact the Department of Financial Institutions. I  have volumes of letters from TCF Bank and the State agences that I requested help. 

TCF then went to a collection agency which of course has " Killed '' my credit and I don't deserve this false action. Because of this credit negative report on my credit report I now have to pay higher auto insurance and have declined to rent homes because of my negative credit report. I don't buy anything on credit mostly cash. So I did not have that much actions on my credit report in the first place. I will be more than happy to send you a complete file of the geneology of my letters and frustration with TCF Bank.
Consumer complaint received 2020-05-14
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. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2020-05-21
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. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I have used PayPal personal transfer feature for years to receive and send money from friends, family and acquaintances. These personal transfers are widely advertised by PayPal as free and I've never had any issues with it. Even when people transferred money and mistakenly classified as a purchase, I would simply refund the money and have that person send me the money as a personal transfer. Every time, PayPal had simply refund me the transaction fees. Apparently they changed their policy and decided they will no longer return any transaction fees even in the case where the person sending me the money clearly made a mistake and classified the original transaction as a purchase. Furthermore, their money transfer workflow is deceptive and designed to trick new users into sending money as a purchase as opposed to a personal transfer. This is unacceptable. I was meant to receive {$6000.00} and PayPal refuses to return 3 % in fees even though it's very obvious that the person meant to send me a personal transfer.
Consumer complaint received 2020-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

Repeated phone calls over a number of months from Harris Harris debt collectors requesting a call back. I've now blocked three of their lines. No explanation is given for the calls. I'm not about to call some outfit that I do not know without good reason. I have no delinquent or long term debt, including car loans or a mortgage. 
Jail might be a good place for these characters. 
XXXX is the requested callback number. 
Thanks, XXXX XXXX