davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (KS)

My father XXXX XXXX XX/XX/XXXX. on XX/XX/XXXX myself and a financial advisor began contacting the different bank and financial institutions in which my father had made Investments. I am the executor of the will and the sole beneficiary I have contacted all the different investment concerns and they have complied. With the exception of US Bank we have contacted US Bank numerous numbers of times talk to 25 or 30 different people of which no one seems to know about the other we were told to submit XXXX XXXX along with other papers which we complied twice overnighting and receiving signatures and faxing yet no one could find the paperwork now we have finally found that we have to deal with the branch in which the account was open but they are telling me that I have to drive to Colorado as I live in Kansas to get a letter of XXXX. I am dismayed at the way they have treated me and the way they have handled the situation that a man who has lost his father has been able to close out all other accounts totaling substantially more that this US bank account. Yet US Bank requires something more for the small amount in my father 's account that has been left to me the beneficiary and they are saying that I have to drive to Colorado go to the courts to get this letter in order to extract the money into the executor account in order to fulfill my father 's requests concerning the money that he left behind
Consumer complaint received 2020-04-28
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Peer Advisors, LLC (FL)

My grandmother passed away last year and I have been trying to purchase her home via a short sale as the heir of the estate for the entire past year. I have a mortgage broker in place who has been trying to negotiate with the reverse mortgage company with no success. The home is falling apart yet their appraisers only appraise it at almost exactly what is owed to them. After a year of negotiating and submitting all the paperwork they required multiple times because the file kept being " misplaced '', they tell my mortgage broker that they are no longer the bank and to submit everything again to the new lender, which we do with no response. All of a sudden at the beginning of the pandemic, the original lender begins contact again because they wanted to do a new appraisal. I refused because my wife and I have been XXXX  as mandated by the state and did not wish to have a stranger come into the house. They came and did an exterior only appraisal anyway and deemed the house to have gone up {$20000.00} since their appraisal one year prior. Both appraisal, one year apart, almost match what is owed on the home. The roof is falling apart, kitchen as well and the plumbing is bad. No repairs have been done. They wasted all of last year purposely and the foreclosure date was set for XX/XX/20. Due to the pandemic, the foreclosure was delayed but now they are the ones that are pressuring for appraisals and for us to purchase. In the middle of the pandemic. And very well knowing that the home has not gone up another {$20000.00}, especially now and will not have the same value when this is over. They are constantly sending harassing letters to their customers and are looking for any reason to foreclosure on the elderly. I know because I saw my XXXX year old grandmother go through it and my XXXX year old mom has a reverse mortgage with them too and is dealing with the harassment as well. They are one of the most unethical businesses I have ever seen and someone needs to step in and regulate them and hold them responsible for their actions. The home has been in my family for over 30 years. I will not just sit back and have it taken away when I have followed all proper procedures. I am including as much documentation as possible. Documents showing where this year they told me it was a new bank and where to submit my offer to, their two appraisals one year apart and the statements from those months showing how the appraisal to loan balance is almost identical, the harassing letters to obtain flood insurance, even during these trying times of the pandemic. 
Please try to help. Thank you for your time.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I contacted Mr. Cooper, my ( XXXX XXXX ) loan servicer on XXXX XXXX 2020 at about XXXX XXXX. First speaking with XXXX. He told me he could help with anything related to Mr. Cooper, and my loan. I detailed to him that I was looking for assistance to modify or do forbearance on my loan such that I could defer payments for 3-6 months and place those payments on the back end of my loan. Once I explained what I was trying to do, he then stated that was another department. I was then transferred to XXXX, at about XXXX XXXX, and when I again explained what I was seeking to do was told I would need to be transferred once again to another department About XXXX XXXX  I was transferred to XXXX. After again verifying all my previous information again ( already verified twice ), and explained what I was looking for, she stated that Mr. Cooper was ONLY doing deferred payments for 3 months, then a Balloon Payment for the entire amount would be due. I explained to her that that is NOT what the CARES Act, passed by the US Congress stated, nor what multiple news stories have relayed to the public, that deferring payments for 3-6 months, and putting them on the back on my loan was what I was looking for. She then SPECIFICALLY stated that ( Summarized ) The Investors of Mr. Cooper had met, and they decided to deny that option, electing ONLY for a Balloon type payment arrangement. Deferring payments and putting those payments on the end of the loan was NOT an option available through Mr. Cooper. 
I will offer the two links below as to why Mr. Cooper is in clear VIOLATION of multiple laws and should be heavily fined and face jail time for its executives. 

XXXX : XXXX Wont Require Lump-Sum Forbearance Repayments. 
XXXX : XXXX XXXX  XXXX XXXX : XXXX Announces No Lump Sump Required After Forbearance. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (FL)

I do not have a contract with this company. I requested a debt validation on XX/XX/2020 and the company provided me with some Bill. I did not receive any type of mail before my credit report was tarnished! Thats against my rights! As I look over the bill, ( no contract between the company and myself ) I also noticed that this company added a collection fee of {$390.00}. I have NEVER heard of a company being within legal rights to change a fee to another amount just to add their fee to it!! I was violated in many ways by this company and Im embarrassed that I have to submit such a complaint on my behalf. According to the FCRA, I was supposed to receive proper paperwork in the mail first to give me a chance to figure things out. I was never sent anything because I do not have a contract with this company! This company has failed me and stripped me of that right.
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, I returned merchandise to Macys that was originally purchased with a Visa. Despite using a different credit card, Macys posted the returns to my Macys credit card. This resulted in over {$1200.00} in excess monies posted to my Macys account. On XX/XX/XXXX, I called their customer service dept to request a refund check. I was told that if I provided my bank account number it would be faster and would only take 3-5 business days. I called again on XX/XX/XXXX, and was told it would be deposited on XX/XX/XXXX. I expressed that I was leaving out of the country and needed that deposit for my mortgage. Upon my return, I saw that there was no deposit. I called on XX/XX/XXXX and was told that the refund was not approved and they would process the deposit in 20 days. After speaking to a supervisor, I was told a deposit would be made that week. I called again on XX/XX/XXXX and was told a CHECK was mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received my money. This has caused my XXXX mortgage to be late and now XXXX. I am currently unemployed and looking for a job in accounting. My credit report is always taken into consideration during the application and background check. Macys unscrupulous and unethical practices are causing me financial hardship, stress, credit reporting concerns with my mortgage and other bills, and risk of not passing my background check for employment. Macys is very quick to post charges to my credit cards and issue late fees for late payments but is holding my money and continues to lie to me.
Consumer complaint received 2018-01-30
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: AMERICAN EXPRESS COMPANY (MA)

I applied for American Express through their pre approval page on their website. It showed me 3 cards with 2 different interest rates. When I received my card member terms of agreement ; the APR was at a random amount not even shown in any of the pre approval options. I called them right away and they made a case. Ive called about 6 times on the matter and no one there can get to me a department that can explain whats going on nor do they send me any correspondence about this so called investigation which they told me takes 60 days. Ive had my account open now about 4 months. To make matters worse, I received their 15 months no interest offer, and I keep getting charged interest every single statement period. Im sick of calling them. Theyre incorrectly and I feel illegally, reporting false debt totals to the credit bureaus. Ive called about this also every single month. Nothing is done. Im furious.
Consumer complaint received 2022-07-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 my rent in the amount of {$1500.00} was sent to the wrong person using Chase QuickPay in the mobile application. I contacted Chase to cancel the payment which was sent to a XXXX XXXX when it was intended for my landlord, XXXX XXXX. Chase representatives refused to cancel the payment and stated that they could instead file a courtesy claim but that there was no guarantee my money would be returned to me. I informed them that I attempted to contact the person the money was incorrectly sent to ( through text, email, and calls ) but that the person was not responding and will not respond. The person was someone I previously took to court and has been avoiding me since. As a result the incorrect person has my rent for the month, putting my housing at risk and Chase refuses to help retrieve my money.
Consumer complaint received 2020-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I have contact and sent letters to Navient to remove 90 day inaccurate late payments from XX/XX/2015 as I was on a forbearance. My credit shows I was in good standing from XXXX to XX/XX/2015 and suddenly a 90 day late payment shows up in XX/XX/2015. I have also consolidated my loans at this time that has an exceptional payment history. 

XXXX  and XXXX have 14 of the 90 day late payments being reported.

XXXX  has 5 of the 90 day late payments being reported. 

According to FCA all reports should report the same information and they are not as XXXX  has a lower amount.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

The balloon payment condition in the modification was under duress. I had no option at the time but to accept it. The balance went from XXXX to XXXX and took away any realistic chance I had of ever actually owning the home. JP Morgan Chase also had the option to just reduce the principal to get me into an affordable payment and that was not their choice. Therefore, they took advantage of my vulnerability at the time to increase their profits!
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I have been denied credit with a local XXXX XXXX because of a low credit score report from Equifax of XXXX. I tried to get the required free credit report from Equifax and only got the message that the report was " not available online ''. It is did give a reason why I could n not receive the report online so I called Equifax at XXXX and spoke to a supervisor named XXXX. She could not explain why I could not get the report online and could not give me anyone else to contact to get this resolved. I was able to pull my XXXX Report and it shows a score of XXXX. The reason I filed this report is that I have been denied my Equifax Report Online for no reason.
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

XX/XX/19 XX/XX/19 {$500.00} I deposited a international check on the XXXX of XXXX. Was told that it would be in my account on XX/XX/2019 because it was in the collection procees. I called PNC in XXXX, alabama and talked to a teller named XXXX. She was very rude and unprofessional, when I asked if I could speak to the Branch Manager she told me she wasnt in today and that she wouldnt know. I told her that if she was barring me from speaking to somebody of authority than " this wouldnt work in her favor '' she then proceeds to say that Im threating her and that she would hang up. I then tell her that I have this converstaion recorded and if she lies on me I will try to get her fired for false accusation. She then changes her tone and denies that what she ment. She asked me who did I speak with and I tell her to " hold on and let me get the recording '' -- - it takes time to retrieve the recording because I have alot of them saved, while im searching, she starts to act like I wasnt on the phone and ask " are you still there '' I chime in and tell her to 'hold on and that you know I'm trying to locate this recording, so you can see that this is a ongoing situation and that I've already talked to a branch manager and she specifically told me the money would be in my account on the XXXX. She then claims Im yelling at her and she hangs up. I also want to note that on XX/XX/19 XXXX had hung up in my face but I decided not to report it due to reciver problems with my phone. I have the conversation recorded. I called PNC corporate but theu dont have a complaints department.
Consumer complaint received 2018-01-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX. XXXX responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or Experian. On XX/XX/XXXX I  resubmitted disputes to all three agencies with the same response from XXXX   and a response this time from Experian saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (OH)

XX/XX/2016 I paid with a Care Credit card for dental services plus dentures at XXXX XXXX XXXX amounting to {$1000.00}. 

The denture amount is what I am disputing was {$400.00} of the balance. 

Fyi..I paid the balance off to {$0.00} a couple of years ago. 

I was hurt by this dentist after procedures ( which I reported to my dental insurance company ) and returned later the same week for excruciating pain that the dentist blew off stating to deal with it, it will go away & gave me narcotics. 

Thus, I did not want to return for any additional work but I DID request my dentures " several '' times to take home that they would not release, nor give to me unless I let them do it, which I was not comfortable doing. 

So they refused to give them to me and kept them, sold them, gave away, stolen, I dont know being XXXX XXXX would not give them to me when I requested them. 

So I disputed the charge with Carecredit, with the above info, who in turn sided with provider stating services were rendered REGARDLESS to whether I received them and it was NOT their problem I did not & take it back up with the provider. Wow!! 

I was informed Carecredit did not ask, request documents, nor receipts, or my signature to show from merchant that I ever received the dentures and was told they would not request them based on their agreement with you. So I am XXXX outta luck was pretty much said by their dispute rep. 

This is so wrong on many levels. I feel if you pay for merchandise whether they fit or not they were mine! And I should have receive what was agreed upon, that I paid for upfront, of which I still have not received, or a credit should be given back to me of {$400.00}.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (FL)

Direct Express bank has never corrected any disputes that I have filed with them. 
I have several cards with other banks and I never, ever deal with disputes that are not resolved in my favor. They treat everyone like they are criminals!! 

I made 2 purchases online for some electronics and never received the items. After being ripped off I did some investigating and found out it is a fraudulent company that is ripping people off. 
The dates of purchases are as follows : XX/XX/2020 {$54.00} {$68.00} The company name is XXXX Bank shows a name of XXXX XXXX as the owner and the person who stole those funds from me. 
I provided all this same info to the bank and I was never credited for those charges to my Mastercard! I filed the claim on XX/XX/2020 and was never credited for these charges. 
I have never been treated so badly then this bank does to customers. I am a XXXX American that receives XXXX payments from Social security. All my other cards and banks that I deal with has never treated customers the way they do. I am closing this account on XX/XX/XXXX, since social security can't update my banking until then. I'm sure you have had numerous complaints about this bank!!! 
I have other complaints, but will do a separate complaint.
Consumer complaint received 2020-10-07
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: Navient Solutions, LLC. (GA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

This debt is not mine and I was given no evidence of this being valid.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. A

ccording to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX