davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United We Collect, Inc. (CO)

I had an ambulance  ride on XX/XX/XXXX. I received a bill from the ambulance company on XX/XX/XXXX and I paid the total due on XX/XX/XXXX. Fast forward to XXXX and I got a collection letter saying I owed money. I thought they just forgot to record my payment so when I contacted debt collection company they sent me a whole other invoice ( for the same thing but just charged more now ). I contacted the debt collection company and they said to call ambulance company. Ambulance company won't help me because they said it been sent to collection. No one can explain why the two invoices are different but they all agree its for the same thing. Debt collection company says I " owe it '' still even though the second invoice has been changed to show I owe more.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

On XX/XX/19 my mortgage with Roundpoint Mortgage Servicing Corp was paid off. At this time I had {$4600.00} in my escrow account. On XX/XX/19 my escrow balance went to {$0.00}. On this day I called their North Carolina office to find out what happened to my money.I was told that they sent me a check for the amount.On XX/XX/19 I again called them because I had not received the check. At this time I was told that they had mailed the check out on XX/XX/19.On XX/XX/19 I again called because I had not received the check.This time I was told that it takes 7 to 10 business days for it to get to  me. Since it was the seventh business day since they mailed it I should get it by the end of the week.For the record it does not take USPS 7 to 10 business days to get a piece of mail from North Carolina to  Florida.On XX/XX/19 I again called because there was no check. I wanted them to stop payment and send me a new check. I was told that they could not stop payment until 30 days had elapsed. I would have to wait until 8? XX/XX/19 to request a stop payment. However XX/XX/19 was a Saturday and Monday was a holiday so I would have to wait until XX/XX/19. He did give me the check number which was XXXX so I could give it to whoever took the call on XXXX.On XX/XX/19 another call and requested a stop payment and new check.At this time I was told that it would be 2 weeks before I would see the check. They had to make sure that the check had not been cashed and then issue a new check. Today,XX/XX/19, I called because no check. I gave them 3 weeks! The first thing out of her mouth was that it takes two weeks just for the stop payment process. I can stop payment on a check with my bank today. Who are they kidding. She put me on hold to check on the process. Are you ready? She came back and told me that the employee who submitted the stop payment request had not submitted the check number for the stop. The section which handles these requests rejected the request and my ongoing process came to an end. Do you believe this. If I had not called, nothing was going to happen in getting me my money. At this point they have had my money for two and a half months. Im sure they are making money on my money.She submitted the proper paperwork but it is still going to take two weeks to stop payment and another two weeks to get a check to me. This is totally unacceptable. Three and a half months to give me my money. I should be able to charge them interest! The bare minimum they should have done is wire transfer my money to my Florida account ; but they won't.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have been trying to have Equifax remove a consumer dispute from my bankruptcy for over a month now. 
Every time I call they tell me they have taken care of it. 
It is currently still on my report. 
I've been trying to refinance my house for over a month and this is the only thing holding my loan up. 
Now this has cost me money. 
They keep telling me it's resolved, but even today it is not. 
The dispute is still there and I can not close my loan. 
Please help
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

I am a XXXX XXXX XXXX female senior citizen filing a fraud complaint against Wells Fargo. 
XX/XX/XXXX someone name XXXX XXXX @ XXXX hacked my niece XXXX XXXX email account XXXX. When I sent emails to her, I thought I was communicating with her. My niece and I were communicating via email about a XXXX payment. She asked if I wanted her to send me her XXXX account. I said yes. She sent information twice, immediately. I sent a XXXX transaction for XXXX from my deceased son, XXXX XXXX XXXX XXXX. After I processed XXXX transaction, a Wellsfargo representative called me to make sure I knew this person. I informed her I was emailing back and forth with my niece. XXXX hour after the XXXX transaction processed, I texted a screenshot of the XXXX transaction to my niece asked her to check her account for the money. She texted back and said no money was in her account and she never set up her account to accept XXXX transactions. I immediately called Wells Fargo and filed a fraud complaint. They researched and sent 2 letter on XX/XX/XXXX stating this was Scamming and not Fraud. I called to file an appeal and said this was fraud and I wanted that XXXX put back in my deceased son 's account. My appeals was denied.
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 went to Chase Manhattan Bank at XXXX XXXX XXXX in XXXX   XXXX XXXX, NY XXXX and used my XXXX debit card to withdraw {$500.00} from the ATM machine at Chase Bank at XXXXXXXX XXXX. 
I received a receipt stating " We are unable to give you cash right now. Call XXXX. Could not get through after a few tries. Went to someone in bank and they said they were having problems with the ATM machine and a notice should have been posted on the machines but was not. At that moment {$500.00} was removed from my XXXX account. 
Told by Chase " not our problem you did not use your Chase card ''. Must file a complaint with XXXX and it can take a few weeks to get resolved. 
Again - attempted to get cash - ATM not working - confirmation that no cash could be dispensed and yet TOOK {$500.00} out of my account at the same time. Who pays me or XXXX for the amount of time it is taking to resolve this
Consumer complaint received 2022-07-13
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: JPMORGAN CHASE & CO. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED FTC RPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 

JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (ME)

XXXX, the former holder of the mortgage on my home, sold the mortgage to another company effective XXXX, 2019. However, I continued to make payments to XXXX for two months after the transfer was finalized. The payments made to XXXX were in XXXX and XXXX 2019. When I realized the problem in XXXX 2019 I immediately notified my new mortgage company, Loan Care LLC ( also referred to as XXXX ), of the error. LoanCare LLC stated that they had not received any payments from XXXX and demanded that I bring the account current paying the overdue amounts in full. Since I had already made both payments to XXXX, I could not afford to pay the full amount allegedly due ( XXXX and XXXX payments ). Instead, I paid one month to Loan Care and attempted to get XXXX to reimburse me. Eventually, I was successful in getting XXXX to reimburse me for the XXXX payments and was able to pay the second month payment to LoanCare LLC. By then, however, the payment was over 30 days past due. In XXXX, Loan Care reported my mortgage to the credit bureaus as 30 days past due. 

Your website states that " for 60 days from the date your loan servicing transfers, your new servicer can not charge you a late fee or treat the payment as late if you sent it to your previous servicer on time or within the applicable grace period. '' Loan Care inappropriately reported my XXXX payment as 30 days late despite understanding that I had mistakenly paid XXXX two mortgage payments. The reporting of a late payment is a violation of the rule explained above. Please help me resolve this issue with Loan Care. If I can not get the issue resolved I will have to take it up with my XXXX XXXX XXXX. 

Please note that Loan Care LLC is located in XXXX XXXX, Virginia. My mortgage statement says that LoanCare LLC is subservicing my loan on behalf of XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX has the right to service my loan. 

Customer Service inquiries should be made to following address : Loan Care Attn. Customer Service XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX I
Consumer complaint received 2019-09-25
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. (IL)

On my XXXX and Equifax report, there is an error stating that I have an open account in collections and that it was " paid less than full balance '' and I paid in " full balance ''. This does not show on my XXXX report however. I contacted XXXX XXXX  and they also informed me that they contacted the merchants to have it removed. 

This is error is causing me a great deal of stress in regards to obtaining a home loan through the veterans affairs ( it showing that I have series delinquency spanning two plues years ) Equifax did not help me one bit and at this point I feel like I'm wasting my time with them. Furthermore, Equifax also has my birth year listed as XXXX when my actual birth year is XXXX.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

Commercial Acceptance Company failed to comply with outcome investigation. Collection Agency stated if payment arrangements were set-up, file will not be placed on credit report. XXXX XXXX ( XXXX ext XXXX XXXX indicated call was never received and on vacation. Voicemail never prompt stating she was on vacation. This allowed unsuccessful attempts to reach XXXX. Requested a payment plan and once paid, account be expunged off credit report. XXXX abruptly stated, payment must be satisfied in one lump sum in order for expungement. Company failed to comply with FCRA along with results of last complaint to Consumer Federal Protection Bureau.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : XXXX, EQUIFAX, AND XXXX has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
XXXX, EQUIFAX, AND XXXX does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (GA)

NOTHING, in your list of things, as appropriate to my problem.

My problem is this : As soon as my local news ( last year ) reported about the Equafax breech, I filed for money. My claim # is XXXX-XXXX. WHEN will I get my money? Are you waiting for me to die of old age?
Consumer complaint received 2019-09-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and I applied for a credit card from Bank of America back in XXXX of XX/XX/2019. The card had a promotional rate of 0 % APR for 12 months and a cash bonus of {$150.00} after spending {$1000.00} in the first 3 months. I received my card sometime in XXXX, but they sent me 2 different ones. One ended in XXXX and the second ended in XXXX, I was confused so I called them to confirm which of the two cards had the promotion I applied for. They confirmed it was the one ending in XXXX, so I started using it. It has now been 2 months and I have spent more than the {$1000.00} dollars and have not received the promotional bonus. I called Bank of America and they told that they had advised me to use the wrong card, but can't do anything on their part to correct the issue. I told them that I want them to honor the bonus as well as the 0 % APR, but they said the only thing they can do is the honor bonus but not the promotional APR, even after they reviewed the recorded calls and agreed that their agent made a mistake on the call we had back in XXXX.
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (CA)

Experian will allow me to login and view ALL of my Credit Bureau Report information including all the addresses I've lived /currently living at. 

However it does not let me raise a dispute online siting " Security concerns ''. 

When I raised a dispute over the phone, I wasn't given a dispute number to track the solution.
Consumer complaint received 2019-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been trying to get this account removed from my credit report. I contacted the company 5 times and each time they sent me a letter stating the account was verified and true. This account was not authorized by me and I want it removed. I requested copies of a contract or any documentation with my signature and they can not produce it but will not remove it from my credit report resulting in a poor credit score. The name on the account is not even spelled the way I spell my name but they insist it is mine.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (GA)

I file disputes with cash app back on XX/XX/XXXX where someone stole my cash app card my house key my driver license my ssn card and my bank card and also I reported on XX/XX/XXXX my truck was broken into and my phone was stolen with some more information my truck was XXXX XXXX and money is being taking from my account and cash app is avoiding me by denying these unauthorized transaction I reported I have the transaction in my transaction history with cash app from XXXX {$16.00} {$45.00} and many more its like 7 transaction that was taking from my cash app I reported then soon as they start coming in after my family and XXXX  was sending me money thru cash app and cash app is denying these disputes the transaction for {$18.00} I do not know where this location is at
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to
Consumer complaint received 2019-09-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

My uncle living in Florida got a call saying that I will be arrested and prosecuted if I do not pay a debt with ace cash express back that I am already working with them with. 
He gave me the phone number which is XXXX and a case number XXXX Im not sure how they got ahold of my uncle or how they found out his phone number when even I dont know his number. 

I called the supposed collector, they asked for my social security number, address, date of birth. 
They told me I need to pay over the phone with a visa or MasterCard right now or schedule automatic payments. If I did not comply I will be arrested and taken to court. 
They then forced me to give a card number and said if the payment does not go through this coming Friday XX/XX/19 then I will have police at my door to arrest me. 

Ive never gotten any paper work, any summons or any notice of debt. Im honestly terrified for my life rn
Consumer complaint received 2019-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX, I cashed out three crypto currencies that I had on Coinbase. My credit union never received the money. I contacted Coinbase and made three separate tickets. They closed all three tickets within a week and gave me no resolution or explanation! I tried to call, but I can not get an actual person on the phone. The amounts I cashed out are : Link {$34.00} Bitcoin {$110.00} XRP {$28.00} I have the transaction numbers if needed.
Consumer complaint received 2019-12-04
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: CITIBANK, N.A. (NY)

Previous to getting a credit card with Citi Bank, researched best APR. 
Applied online and was approved. 
Later found out that 24 month 0 % APR was not given at application. 
Called Citi Bank when noticed APR being charged. Customer service referred me to look at my user agreement mailed with the card. 
If I wasn't eligible for 0 % APR for 24 months then I should have been told. 

Citi Bank Credit cards
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (MD)

I purchased a pair of boots online using Paypal services. The boots arrived damaged and not as described ( big size and extremely poor quality ). I immediately got in touch with a seller but they ignored my requests to refund. I contacted Paypal and shipped the boots back the next day. After I have provided the tracking number but Paypal came back and said that the tracking number is untrackable. I went back to USPS and they pulled the receipt and let me know that the item was delivered a month ago. Paypal refuse to refund my money. I still have the receipt from USPS which sent to Paypal. Please help me to resolve my issue.