davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

Our new home mortgage was acquired by XXXX XX/XX/XXXX. Our escrow account was funded with over $ XXXX at that time for taxes due XX/XX/XXXX. 4 months later on XX/XX/XXXX XXXX sent over $ XXXX in payments from my escrow account t for taxes on homes I do not own. I made XXXX calls and got someone who said they 'd address in XXXX weeks. On XX/XX/XXXX $ XXXX payment was disbursed from my escrow for accounts that are not mine. It 's currently XX/XX/XXXX and my valid tax accounts are unpaid. 

XXXX has XXXX tax accounts associated to my escrow account that are invalid. I fear there are many more payments to be made in the coming days and their customer service has not addressed the issue. 

Once these funds are refunded to me we will refinance through a real bank. Can you help us get our funds back and stop the erroneous disbursements from our escrow account?
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NC)

I filed chap XXXX BK in XXXX and among the creditors listed was TD Bank. This BK was discharged in XXXX XXXX. 

On my credit report for XXXX XXXX this account showed XXXX balance and closed. 

Then in XXXX for some reason TD changed this status to open, and with a XXXX balance. 

By my request, my bankruptcy attorney XXXX XXXX sent a letter to TD Bank ( attached ) asking that they correct the innacuracy. 

To date, TD has not done so.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Harvard Collections, LLC (IN)

COLLECTOR FAILED TO VALIDATE, CEASE AND DESIST AND SKIP TRACED FAMILY MEMBERS AFTER HOURS IN VIOLATION OF TCPA. skip tracer : XXXX at XXXX see attached records and vioce.
Consumer complaint received 2024-08-27
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (GA)

I stopped working at XXXX XXXX. I lost the card and was charged a XXXX $ overdraft fee by someone who probably found it, but there was no money on the account seeing as i left this employer. it declined so i do not understand why i was charged in the first place. I went through the app trying to cancel the account with no help. Then i decided to research/find a number to call for customer support, but there is no number. I dont want this account i want it closed. I did everything XXXX said do and the account is still opened. This is a huge issue, I am no longer with that employer and i do not have the card and when i went to report it stolen they just tried to send me another, even tho i did everything to close the account. ALSO i said it was stolen i was still charge the XXXX $ so I want it resolved.
Consumer complaint received 2017-12-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I had car insurance with USAA from XX/XX/XXXX to XX/XX/XXXX and renewed on XX/XX/XXXX and cancelled on XX/XX/XXXX and my payment due date was the second of each month, so when I paid my XX/XX/XXXX and then cancelled on XX/XX/XXXX I received the unused portion as a refund and then in XX/XX/XXXX I received a bill on the credit card of USAA which I was informed to pay since the beginning which I did. I called as soon as I received the bill and was on the phone for over an hour and talked to 7 different people and I got 7 different answers and each month there after I was getting billed including late charges so I contacted the Insurance Commissioners office and they got in touch with USAA and was told I was paid in full and the Commissioners could n't do any more because I was making payments to their on Credit Card Bank ( USAA ), so I gave it to an attorney as USAA turned me to the Credit Bureau which has effected my Credit Score as well as My X wife 's credit. As of XX/XX/XXXX I received a letter from a collection agency which I told to my attorney who forward him all the proof that my Auto premium has been paid along with the letter from the Insurance Commissioner.
Consumer complaint received 2017-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XXXX a withdrawal of {$40.00} was made from our account at a Chase bank. It was not done by either person on the account and neither of us has lost our debit card or our IDs. The person was allowed to withdraw money without having even having the account number. When we saw the withdraw that day we called customer service and we were told we needed to go into the branch but they would not tell us which branch so we hung up and called again and the second rep told us which branch. On XXXX we went into the branch to file the claim and we were told that anyone could take out the money without ID, it just depends on the teller. They said they would get back to us in 5 business days and for us to take the money out of the account until there was a resolution. They also told us that we would only get to see the footage if we filed a police report. We filed the police report with the XXXX XXXX county sheriff. On XXXX they charged us a {$12.00} fee because our balance was below XXXX since they told us to take the money out. We called Chase back on XXXX and they told us it would take 30 days and that we would not get the fee reversed. And on XXXX we called them again for an update and we were informed that our claim was denied because the signature on the withdrawal slip was similar. They did n't even bother to call us. The teller said no cameras were checked and they only went off the signature. So this person walked in with no ID, no proof of address, no account number and walked out with our money and Chase wo n't even check the cameras but they will charge us a fee for doing what they recommended.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-12-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

I was in an approved forbearance/deferment with XXXX related to a private student loan originated by XXXX. XXXX ' policy ( updated in XXXX ) specifically states that loans that are in a forbearance/deferment are not reported as late on the borrower 's credit report. Despite this, XXXX has continued to report the payments during this period as late which has significantly impacted my XXXX XXXX. The loans are now in a regular repayment schedule and are paid as agreed.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Dear Readers I am having trouble with withdrawing my funds out from coinbase.com, they are not verifying my bank account and many other people i know, the procedure to verify your bank details is to send them a sepa payment from you bank and when they receive it they will verify your bank within a few days so you can have access to your funds, after sending them a XXXX  bank transfer onXX/XX/XXXXit was credited to my coinbase account the next day, i waited for 10 days then emailed them about why verification not been done, they replied with an automated message that did not have any relation to my problem, so i called them 3 times, 1st time they said wait another day, 2nd time was to send another payment and 3rd time to email my bank statement via a secure site, so i sent another payment which has also credited my account plus sent the bank statement, then waited again for a reply or verification for 4 days and nothing, i asked some friends who also opened coinbase accounts recently and they too are having the same issues. I would like them to either verify my bank details as they promised over the phone or return my funds back to my bank, i would be very grateful if you can help with this matter. Regards XXXX XXXX
Consumer complaint received 2017-12-23
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: EQUIFAX, INC. (LA)

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2017-12-23
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: Experian Information Solutions Inc. (LA)

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2017-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (IA)

This is a recontact from previous CFPB complaint ID XXXX. Chase indicated in that response that " they are unable to process payments from my XXXX account as it is neither a demand deposit account nor a checking account ''. This is a false and inaccurate statement. My XXXX account is both. I have my payroll direct deposited there, it as an account number, a routing number. I have numerous other bills set up as auto pay through that account and no other company has ANY issues pulling my monthly bills. Additionally, Chase is false as they HAVE pulled from this account on numerous occasions. Given that sometimes I have to call and practically beg the reps to do it causing delays. They just ca n't seem to get it right. Additionally, they stated that they tired to process payments from the XXXX XXXX XXXX. This is also a false statement. I have confirmed with Chase on multiple occasions that they were provided the correct account information to pull the payment. Also, I have followed up with XXXX who confirmed that at no time nor on the dates Chase provided did Chase submit any such payment requests to them. Chase is being dishonest in an attempt to collect additional fees from me and they are destroying my credit as well. I should not have to pay over priced XXXX XXXX fees just to make my payments when Chase offers the option to pay online and ca n't seem to process my payments. I have attached proof that Chase has pulled from my XXXX XXXX account over the last few years. They make this process difficult for me as they can charge me daily on my late payments. They have taken advantage of me over the years due to me being a single mother. I have told them over and over again that I am on a tight budget and their constant inability to pull my payments and charging me additional fees and reporting negatively to the credit bureaus hurts me and my family. They do n't seem to care. They need to fix this. They are being dishonest. I want my credit fixed, I want their assurance they will pull my payments as scheduled and I want a refund of late fees and my last XXXX XXXX fee. I am not scheduling anymore payments with them until this occurs as it is XXXX to do so, they do n't process them anyways. Please fix this CFPB.
Consumer complaint received 2017-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

The issue with XXXX started in XXXX XXXX. My IDR paperwork FINALLY was processed ( submitted in XXXX ) and the new IBR rate was more than double the previous year ( {$640.00} to {$1300.00} ) This would make sense if my income changed, but it did not. I did file taxes jointly with my husband that year, but again this amount did not make sense. I called and was told the IBR rate was miscalculated - my husbands student loan debt was incorrect by {$80000.00}. Despite, their mistake, I was still told I had to pay this miscalculated amount ( even though this was not my fault ). After many phone calls and hours of questioning, they agreed to apply for an administrative forbearance. This forbearance, I was told, would not penalize me for not being able to pay this incorrect rate, and wouldve temporary until the next month when the correct IBR rate ( {$940.00} ) was processed. During this forbearance, I paid the amount of interest that would be accrued ( {$950.00} ) but my loans capitalized, adding {$15000.00} onto my current principal. Again, I called, and there was nothing we can do. During this time, I was also concerned about this IBR rate  since it was {$300.00} more than the previous year, without any change in my salary. I was told I could apply for a change to the lowest monthly fee, which in this case would be the RePAYE plan. I submitted this paperwork in XXXX, shortly after I found out about it during my first phone call to XXXX. Throughout my subsequent phone calls with XXXX I was told that my monthly payments would be {$940.00} for XXXX and XXXX ( the correct IBR rate ) and then would change to {$640.00} ( the RePAYE rate ) for XXXX. Great. Fast forward to XXXX. My bill for XXXX is now a whopping {$2300.00}. (?! ) Yet again, I have to call and spend hours on the phone explaining the situation and fighting with XXXX. With a XXXX XXXX XXXX XXXX and the holidays, the continued financial hardship XXXX is causing me is putting me over the edge. I have always been willing to work with them and have paid all of my payments on time. Enough is enough. This is negligence and abuse. Please fix this. 

Thank you, XXXX
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MI)

Sears Credit Card ( Citi Bank ) with their interst rate. I will never be able to pay. {$220.00} times 2. on XXXX17. and it also affects my credit scores. BEST Buy (. CITI BANK ) INTERST RATES THERE ARE WAY TO HIGH.
Consumer complaint received 2017-12-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after twelve of  my mortgage paid off with XXXX XXXX XXXX in XX/XX/XXXX illegally harassing me and filing illegal foreclosure action in XX/XX/XXXX with no proof of transferred of mortgage and illegal securitization without any proof under Federal Truth In lending disclosure act. In addition, Nation Star Mortgage also engaged in frivolous and debt collection as a separate company with no relationship or business dealing in any shape or form. XXXX XXXX XXXX cancelled and discontinue foreclosure action in XX/XX/XXXX for lack of proof of valid debt as a matter of law. In XX/XX/XXXX, XXXX XXXX XXXX XXXX has my property listed as cash management. I do not owed any mortgage. How can you have a mortgage of $ XXXX, $ XXXX, and $ XXXX. The debt debt instrument was refinanced in XX/XX/XXXX and paid off at closing. I am target of manipulation and illegal debt or security instrument. Instrument was disposed in XX/XX/XXXX. Been harassed 12 years latter. The subject property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. 

XXXX XXXX XXXX XXXX located at share, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX, NY XXXX represent XXXX XXXX XXXX XXXX.  Telephone ( XXXX ) XXXX. 

Nation Star Mortgage is located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Telephone ( XXXX ) XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX XXXX XXXX, Attn : XXXX XXXX located at XXXX XXXX. XXXX XXXX, XXXX, TX XXXX with telephone ( XXXX ) XXXX.
Consumer complaint received 2017-12-23
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: Bread Financial Holdings, Inc. (NC)

My credit report shows several inquiries for new lines of credit that I do not recognize, 3 are from the same company/credit card bank. And also XXXX XXXX where I was in a fraudulent issue in XXXX, it is still showing in a very negative impact on my report. Ive have numerous issues with my cell phone also in reference to my bill being a huge amount. Was in a fraud investigation with XXXX and they said they could not find anything, actually 3 times with XXXX. With XXXX XXXX XXXX I received paperwork by mail in which I returned and then I received a letter stating they did a thorough investigation and found it was fraudulent activity and I was not responsible for any amount charged. I feel like someone has actually taken my identity now that I think about everything that has happened over the last 2 years. Also, I was in a XXXX claim since XXXX and just now have been deemed XXXX XXXX XXXX. Im not familiar with this type of issue of fraud, so I am not sure what to do. But when I received an email and have been receiving several emails saying inquiry on my credit report, I really didnt pay any attention and thought it was just spam. So, I really do not know how to proceed with this or where to start. And it is not just XXXX XXXX that I have a problem with, there are several others, some I mentioned within this note and there is also one on my credit report that has an address of Delaware or Maryland and I am not for sure the name, it was abbreviated on my report. Thank you XXXX XXXX XXXX
Consumer complaint received 2017-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valentine and Kebartas, Inc. (FL)

I receive continuous calls for an individual even they can not pronounce the name. XXXX XXXX?? Must be under a number I received from XXXX XXXX years ago. XXXX. Those calls forward to my cell phone XXXX. I have asked and even called back when I am hung up on to stop calling and remove my number. I am told I do not own the bad debt account and cant speak on behalf of account to remove phone number. This will be year 3 soon that I keep getting phone calls.
Some calls I loggedXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A lot of calls happen while I am driving or at my kids school event.
Consumer complaint received 2024-10-05
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MECHANICS BANK (CA)

I am receiving daily harassing calls from XXXX XXXX XXXX regarding a debt that they have failed to verify. Despite my requests for proper documentation, they continue to contact me relentlessly, causing significant stress and disruption to my daily life.