davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am entitled to XXXX payments relating to Paid Family Leave for XXXX my daughter on XX/XX/2017. Those payments come via a Bank of America prepaid debit card. The original card was supposed to have been sent to my current address on XX/XX/2017 ; it never arrived. When I reached out to Bank of America, they informed me that the only free option was to issue me a new card, arriving approximately XX/XX/2017 -- about 1.5 months after my leave began. Alternatively, I could pay {$10.00} to receive the card sooner. They refused to pay for the quicker shipment, claiming that I must have thrown the card in the garbage ( which, of course, did not happen ). 

Bank of America essentially owes me these funds, I never received them in a timely manner, and they sought to either charge me extra or further delay the payment that they owe me. This seems wrong and abusive, and I have no recourse ( i.e. not using BofA ) because they are the exclusive provider to XXXX.
Consumer complaint received 2017-04-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (ID)

Ocwen Financial Services LLC has refused to update my contact information in their system for the past five months. After having mailed in a request for address change as per their instructions three times in the past 180 days, my information has still not been updated in their system. 

Yesterday, XX/XX/2017. I called Ocwen and spoke to a supervisor who promised to send me an email at that moment to which I could respond with my written address change and that she would personally make sure it was taken care of that day. She never sent the email. 

I have wanted to pay off my mortgages with Ocwen financial for several months, but without the proper contact information, the release of lien for my loans would be sent to the wrong address. I believe that Ocwen is acting in bad faith. The negligence on their part has cost me thousands of dollars of additional interest payments. Just last month, I sent in a payment for over {$110000.00} to pay down the balance of one of my mortgages, hoping to at least minimize the additional interest charges I am incurring while trying to get this resolved. Instead of applying the balance to my principal, Ocwen placed it in a 'suspension ' account. This is reflected on the attached statement. Ocwen representatives called me several days after the payment was made to ask me 'what I wanted them to do with the payment ' even though their online payment form specifically listed it as additional principal reduction. 

I would like Ocwen to update my personal information immediately so that I may pay off my mortgages. I would also like to be reimbursed for all of the interest charges I have incurred for the past 180 days during which they have failed to act.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hi, We are in the process of getting a mortgage from Citizens Bank. We submitted all paperwork and details the bank wanted 4 weeks prior to closing. We then were told we needed to submit a business XXXX which was submitted 4 times ( rejected 3 times due to handwritten info ) Mortgage lender did not tell us we could not hand write. Now we are on the XX/XX/XXXX and closing was supposed to be on the XX/XX/XXXX. We are now told that rates agreed on will not be honored because a disclosure document a different version of which has been sent 4 times had a clause on it for the XX/XX/XXXX. We have been asking the bank for past 3 weeks to tell us when they will finalize but no response. We also asked to speak to a supervisor but no response. Today they called me ( XX/XX/XXXX ) and said loan is not yet ready but we will lose the financing lock rate if the bank does not approve. The issue solely resides with the bank. Even after multiple communications a day to get the info they have not confirmed the closing date. They said we could provide you the closing letter sometime on the XX/XX/XXXX. How are we supposed to just know when that is and be ready to close. especially when it takes the lawyers time to prepare the closing documents from when the bank approves
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK (MA)

I opened an account with a bank in my home state so that my family and I could easily exchange funds while I am XXXX out-of-state. Since I receive my mail at my XXXX address for several months out of the year ( and since I was going back to XXXX shortly after the account opening ), I listed my out-of-state XXXX address on the account application. Despite this mailing address, I am STILL a resident of my home state, and I have an ID from my home state. This information was documented on my account application. 
I was hoping to receive a new account sign-up bonus from this bank, which stated that only residents of X states ( including my home state, but not including my XXXX state ) were eligible for the sign-up bonus. Since I am a resident of my home state, I am eligible for this bonus. I completed all other requirements of the new account bonus promotion, but the bank refused to give me the sign-up bonus, saying that I am ineligible because I used my XXXX mailing address on the account. I want this bank to be penalized for their deceptive marketing and unfair customer service.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

Previous Case Number : XXXX XX/XX/XXXX, my {$3000.00} tax refund was deposited into my Cash App account ( XXXX XXXX ), but I lost access due to changes in my phone number and email. After repeated attempts and providing legal ID, Cash App claimed in XX/XX/XXXX that they verified my identity and were awaiting confirmation to transfer the funds to my new account ( XXXX XXXX ). However, I never received instructions to proceed. Separately, Cash App advised me to close another account due to unauthorized charges, and now they refuse to provide my chat history needed for a lawsuit related to those charges.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Malen & Associates, p.c. (NY)

I received this loan back in XXXX from the XXXX XXXX federal credit union. I had that the payments automaticaly deducted from my paycheck on a bi-weekly basis. As of XXXX XXXX, I was on medical XXXX and through the service of XXXX payments and XXXX Insurance from my loan, my loan payments were being covered. In XXXX, XXXX stop making payments to my loan and I was notified in XXXX XXXX that my loan was charged off by said credit union. Then around XXXX XXXX, I started getting consistent calls from a attorney with regards to the debt. I advised the attorney representative that the balance was disputed and I requested a clear history of all my payments from the time the loan was opened.. I received a copy of my contract with signed documents only nothing indicating my payment history of all payments made for the amount owed was disputed. I never received a response from the attorney. Today, my XXXX y/o was served a XXXX XXXX XXXX summons dated XX/XX/XXXX with no prior notification addressing my detailed payment history from the start of the loan which was opened in XXXX. The document states that I have 20 days to file an answer to the complaint or a judgement will be filed. The issue is asking for the documentation of my payment history and not receiving the require documentation. I have no problem making sufficent payment arrangements, but I was never given the opportunity to do so and the company already charged off my debt, reported on all XXXX credit reports..
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX, XXXX of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

My credit card from Pentagon Federal Credit Union was hacked. On XX/XX/2017 at least XXXX fraudulent charges were made and a third attempted. When a vendor notified me of the attempted fraud I immediately cancelled the card and a new one has been issued. On the same day Penfed caught XXXX of the fraudulent charges, it let another XXXX, for XXXX that amount, go through as a legitimate charge and billed me for a {$490.00} purchase I never made. ( See accompanying letter and statement. ) They are grossly incompetent investigating fraud and their attempt to have me pay for such an error amounts, essentially, to a violation of the federal mail fraud act.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank intentionally closed my checking and saving account without explanation, just based of my surname- XXXX. I have contacted Citi bank, but Citi employees could not provide clear reason and gave some false reasons. This is purposeful discrimination.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
XXXX XXXX XXXX  Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ), XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
XXXX XXXX XXXX Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX Accounts in XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXDespite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my credit card account number XXXX. I want to express my sincere gratitude for the services I have received from AMERICAN EXPRESS and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XXXX and XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NJ)

My student loans are currently under an Income-Driven Repayment ( IDR ) plan and are also in deferment, as I am presently unable to work due to a XXXX. I have submitted my approved IDR application to the company and provided mailed documentation confirming my unemployment status. Despite this, the company continues to report " late payments '' to the credit bureaus, which is exacerbating my financial hardship and hindering my ability to secure housing for myself and my children. There are two " late payment '' entries on my credit report from this company, even though the loans are currently in deferment.
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

I took out several loans through XXXX in my name for my daughter to help pay for her college tuition. When she was done school and still searching for a job, she kept getting harassed by navient and XXXX. We explained to them that she was not working at the time and that she was not able to make payments. We had a small past due amount and they told us once it was up to date that we could file a deferment. Once we paid the past due amount we spoke with another financial counselor through the company who then told us we were not able to go through a deferment. We were very frustrated and just decided that she would start paying once she found a job. Navient and XXXX called me several times a day, at all hours of the day. They were not willing to work with us on anything. My daughter found out several months after she got a job and started paying her XXXX loan that she was on a loan deferment for three months, but that the company kept calling her multiple times a day harassing her for bill payments! 
She is now paying all of her navient & XXXX loans but is trying to get them lowered, she only works part time and has other loans to pay in addition to this. We called Navient yesterday to see if we could get the payments lowered, and all the representative said was that they can try to lower XXXX of the loan payments by {$29.00}. I also have asked them several times over the phone to send repayment options through the mail, they said they sent them out several times but I never received anything from them. As of now she has to pay navient until 2041. I hope that young adults with student debt will be forgiven from this amount of debt, it is crippling.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Municipal Collections of America Inc. (IL)

I received a notice from the XXXX dated XX/XX/2017 that I had XXXX parking tickets that I was on the pre-boot list, and to contact Municipal Collections of America XXXX Inc within 21 days to dispute the validity of debt, and that I will have the option to request a hearing. I contacted Municipal Collection of America on XX/XX/2017 and was advised that I owe tickets to the original creditor XXXX and that not only do I owe the amount placed with their office, but I must pay Municipal Collection of America their collection fee in addition to the debt placed with their office. I question if it was legal for their office to add a collection fee, and the representative advised that she could not confirm if the additional fee charge by their office is legal, and that no one in their office including management could confirm if the fee their office charged to the residence of XXXX was legal. I advised the representative that I dispute the additional fees added, and one of the tickets that I was not aware of which is a red light violation. The representative advised me to send it in writing which I sent via email on XX/XX/2017. I left a message within another department of Municipal Collection of America to dispute the validity of the debt, and requested a itemize statement that included Municipal Collection of America fees so that I can confirm if this is legal with my local Attorney General XXXX office by filing a Consumer Complaint. Today XX/XX/2017 I was contacted by Municipal collection, and received a voicemail to contact XXXX regarding this matter. 

Municipal FDCPA Violation : No Foti message left when leaving a voice message on a Generic Voicemail by XXXX 

Municipal FDCPA Violation : Upon Contacting XXXX Failed to validate identity, and to disclose the Mini Miranda during 2 point of communication contacts. 

Municipal FDCPA XXXX : Adding collections fees to debt that are not legal. 

This raises question as to how many other XXXX residents that have paid collection fees to Municipal Collections of America XXXX Inc paid by residents, and non residents. Failure to comply with the FDCPA, and I am requesting an investigation of this company for Illegal Collections Practices. 

Thank you in advance, XXXX Ph # XXXX email : XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

15.u.s.c 1681 a persona shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate i have several inquires on my report that does XXXX belong to me and needs to be removed immediately inquiry date : XXXX XXXX XXXX  inquiry date : XXXX XXXX INQUIRY DATE : XXXX, XXXX; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have requested in XX/XX/XXXX/XX/XX/XXXX that permanent blocks be placed against certain creditors on my Experian Credit Report, due to the accounts being fraudulent, which has already been reported through FTC and police report to credit bureau. Not XXXX, but XXXX were recently added back on, and now I have been denied credit. Therefore, I am requesting that the creditors be permanently blocked on my credit report. Also, I want to a phone number to my fraud alert, and the company is not available by phone. ( Creditors are XXXX, and XXXX XXXX XXXX )
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX I deposited my tax refund check from XXXX XXXX XXXX XXXX  into my chase account. Chase immediately placed a 7 day hold on the check. Once the 7 day hold was up the funds were available as of XX/XX/XXXX. When trying to send the money owed to a family member via XXXX XXXX, chase declined the payment. XXXX XXXX said contact provider. I reached out to Chase and they stated I needed to go into a branch to verify my identity. While on the way to chase branch I received a notification that a restriction was placed on the account. When I reached chase bank branch I was informed that the account was on restriction pending close and they did not need to provide me with a reason as to why they were closing the account. At this time I was told I would receive a cashiers check for the amount or it would be sent back to XXXX XXXX. On XX/XX/XXXX I logged into chase.com my account and saw there was a pending debit dda check charge in the amount of the checks I deposited which was {$10000.00} and another amount of {$43.00}. I contacted chase on today XX/XX/XXXX they advised me they were sending a check of {$43.00} and are able to hold the {$10000.00} for up to 2 years. Chase states they were unable to verify the check even though the phone number to verify the check is on the bottom of the check. I've contacted XXXX XXXX XXXX XXXX  personally and they stated the funds were cleared and I would need to contact my bank which is JP Morgan Chase. I can send over any documents needed to verify my identity or proof of address. This was also offered to the bank at this moment and nothing was done. I have my tax transcript and my full tax refund documents stating those funds were valid for me to receive.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

With XXXX I had some address that showed up on my credit report that they said they received from experian. They also placed some XXXX pages of paper work that hey sent over to equifax. Sharing my personal information with out my content is a direct violation of my rights under FCRA.