davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (WI)

I purchased a XXXX XXXX XXXX from XXXX on the site - XXXX XXXX for sale. On XX/XX/XXXX, I sent XXXX XXXX the sum of {$350.00}. for the product through Paypal. Payment ID # XXXX. She claims she did not know how to access the money, and it would not be touched and to send it again. Sent another payment of {$350.00} onXX/XX/XXXX payment ID XXXX. I did receive the Tour Pack from the XX/XX/XXXX payment. I had contacted XXXX several times to dispute the duplicate payment and they informed me she MUST return my money. I contacted her several times with no avail. Now she has blocked me - removed herself from XXXX and I learned she now is going under the name o XXXX XXXX XXXX, trying to join the XXXX XXXX XXXX again and was rejected due to her photo. Now her photo is also changed. This is a scammer. I am getting nowhere with XXXX. I want my {$350.00} back and this girl charged! She will try to rip off others too!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore. 

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

I have a very regular Check-in account to make sure that I don't overdraw and spend money that I don't have I got paid on the XXXX went to shop on the XXXX some transactions didn't get to my account so what the bank is saying so when I was using my card it was stating that I had money and I didn't have money in there but when I look on my account it doesn't look even with my deposits and my spending did not add app to the overdrawn of the money that they said that I did overdraw and I've never in the XXXX years that I've been with this bank be able to overdraw my card I have the kind of account that you can't overdraw I made specifically clear if I don't have money I can't spend so XXXX  they gave me a story Stating that XXXX  had a glitch so I contacted XXXX  directly and they said they have no record of a glitch this month so they tried to pass it over the XXXX  and said that it was XXXX 's fault So I called them back and of course they're telling me now there's nothing that they can do but I would need some help because I can not afford this I don't think my account was ever on the overdrawn I think they're just taking older people money I explained to them I'm seeing you citizen I don't spend like that they basically saying I spent {$1300.00} from the XXXX to the XXXX all in XXXX days
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (TX)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX  XXXX XXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX  XXXX XXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Banking, Takes Money out of my account twice, but tells me it should show as two transactions which is not true They Take My Money Once it is spent and in my transactions it will say PENDING but after the pending goes through the same amount gets took AGAIN. They act XXXX to it they act like they dont know whats going on when one employee himself seen where Wells Fargo Banking was going wrong and refunded me some money back while ALL OTHER employees literally just keep saying it should show as two transactions and it does not.. ALSO they charge my card two days later or a day later which can and DOES make my account go into the negative. They give little to no answer by saying file a claim which they dont refund ANYTHING AT ALL. This has been very stressful as my money get taken multiple times for one transaction and Wells Fargo Does Nothing about it.. I HAVE ALL MY TRANSACTIONS AND SCREENSHOT AND COULD EVEN GO OVER IT WITH YOU ALL AND THE BANK AND THEY WILL STILL SAY THE SAME THING!! Please take action this is not a joke they are taking people money!!
Consumer complaint received 2024-09-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solutions , LLC or XXXX XXXX XXXX XXXX never provided information that shows I owed the debt. I wrote an letter to Sequium Asset Solutions , LLC to dispute the collection and haven't received an response.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX CAP XXXX XXXX XXXX BANK 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 - XX/XX/year> XXXX
Consumer complaint received 2017-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (FL)

Dear CFPB, We have tried endlessly to get this servicer to fix the errors on our mortgage and it is only getting worse. Our mortgage is actually with Mid America and XXXX XXXX is the servicer. Not sure what all these connections mean I only know that I pay my mortgage through XXXX XXXX but my mortgage is with MidAmerica. Meanwhile my mortgage all year long was {XXXX} never missed a payment. Then in XXXX they claim escrow was short and bumped the payment up to XXXX. The problem with that was at the refi last year the homeowner insurance office and the property tax office received a double payment in error from the mortgage transaction of refinancing and instead of them returning the extra money they put it in a suspense account for half of the year and then decided not to return it at all instead they put it on the principal mortgage owed which caused the escrow account to be short for the upcoming year. After it was short they turned around and charged us for the escrow. Now our house payment has increased and we are being charged exuberant amounts for mortgage due and to repay escrow. We ca n't even figure out what exactly is our mortgage payments anymore. We have been given three different amounts in one week from customer service. When you go online to look at the payment history it 's filled with so many misapplications and errors and changes that the average consumer ca n't figure out what the correct amount is that is due. I had a mortgage with a set payment and they broke the contract with all these misapplications and erroneous due payments. Could someone please assist us and tell us what is due and what is going on with this mortgage. I have never seen anything like this. I am a veteran and I appreciate any help you could offer. Thanks for your time.
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Dear CFPB : My client has been trying to sell her home in a short sale. She realized that letting the home go into foreclosure would result in her inability to obtain student loans for her children in the future, purchase a house in the future and would have a detrimental affect on her credit. Our office obtain offers on the property. The last offer was for {$750000.00} all cash deal which was denied. The bank did n't bother asking us for a counter and realty company was even willing to reduce their fee to allow this matter to close and avoid the foreclosure sale. The bank insist and is asking for {$850000.00}. Attached hereto is a mortgage statement my client was able to get her hands on. The payoff to the lender is {$710000.00}, why they did n't accept the {$750000.00} and are asking for {$850000.00} bewildering to my client and I. I am requesting an immediate investigation of this matter as the sale date is imminent. I apologize for waiting this long. However, the bank took months to give us a response.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (MI)

We have our home mortgage with Chase, and our home insurance with XXXX. Mechanically, we make payments to Chase for our mortgage, together with our home insurance and our property taxes- in a typical escrow set up. 

This summer we received a notice from XXXX that our house insurance had not been paid, and that it would - as a result - be cancelled. I called XXXX on the date that we received the letter, and confirmed that XXXX had not received payment from Chase. I then called Chase and confirmed that we were up to date on our mortgage payments. 

Chase 's explanation was that a " batch cheque '' was sent to XXXX which included our payment along with a huge number of other people 's payments and that there must have been a delay in that process. Chase confirmed that they would make a direct payment for our home insurance, that XXXX would receive it within XXXX business days and that there was a grace period such that there would be no gap in our home insurance coverage. 

I thought it was resolved. 

Then, XXXX days ago I received another letter from XXXX with a refund cheque confirming that our policy had been cancelled and that the refund was in respect of a payment that was received after our policy had been cancelled. 

I spoke to XXXX, and they are cancelling the refund cheque and re-instating our policy. However, I had to confirm that nothing had happened at the house that would give rise to a claim in the period of no insurance ( XX/XX/scrub>XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and confirm that I understood that I could not make a claim for anything that happened in that period. 

So there was a XXXX month period where if something had happened to our house, it would not have been insured- even though we've never missed a payment and I called to correct the problem ( created by Chase ) on the day I received the letter.
Consumer complaint received 2017-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I borrowed this money from XXXX to XXXX to attend the University XXXX XXXX, along with several other loans as part of a loan package. Apparently, I also borrowed money from this lender from XXXX through XXXX while attending XXXX XXXX University. It was my belief this loan money was all through XXXX XXXX and a federally-backed funding program. Upon graduating from XXXX XXXX in XXXX, XXXX, I started pursuing consolidation options. I consolidated the majority of my loans and now pay those loans through XXXX, which has been a very reasonable lending group. 

However, there is one " bundle '' of loans labeled the XXXX XXXX XXXX XXXX that was not eligible for the consolidation, as it was a Private XXXX XXXX loan. This loan now totals {$45000.00} as the total amount owed. At some point, Navient became the servicer of this loan. I started paying Navient regularly in XXXX, XXXX, which is when I obtained full-time employment after XXXX XXXX Upon moving to XXXX XXXX in XXXX, XXXX ( my husband was in the XXXX at the time and assigned a duty station in XXXX XXXX ), I began trying to negotiate with Navient for a lower payment plan, as I did not have a job in XXXX XXXX. Navient 's customer service reps were hostile, rude, and offered no solutions. One rep  went so far as to suggest that I borrow money from my parents. 

After multiple discussions around trying to see how to arrange a payment plan to no avail, I stopped paying Navient as I had no income coming in. Navient reps started calling me 8-10 times a day, including at XXXX XXXX and all through the weekend. I told them to stop contacting me excessively. This was interpreted as a " Cease Contact '' request and I have not received ANY correspondence from them since that request. No emails ( other than required tax forms ) and no letters. 

On this date, XXXX XXXX, XXXX, I have {$11000.00} past due and have a negative report on my credit, as Navient as filed this as a " Collection/Charge Off '' on my credit report. The experience of trying to work with them and bring some order to my student debt has been exhausting. As it stands, my credit is destroyed and I have no idea how to approach this group to enter into a reasonable plan. Additionally, interest accrues at an exorbitant rate, so I will likely live with this debt until the day I die. I have several other lenders I work with ( XXXX, NJ XXXX, XXXX, and XXXX XXXX XXXX ) and while I take issue with some of those lenders as well, they have all been amenable to working with me on a reasonable payment plan. Navient remains the sole outlier. 

I have no idea how Navient became the servicer of a XXXX XXXX loan but their practices have been unethical, to say the least.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I am writing to report a fraudulent transaction that occurred on the payment platform Venmo, which has caused me significant financial distress. The details of the incident are as follows : Payment made to someone impersonating my cousin Description of the Incident : On XX/XX/year>, I made a payment to a user on Venmo who was pretending to be my cousin. Amount : XXXX dollars. I later discovered that this individual was a scammer, and the payment was not legitimate. After sending the money, the recipient failed to communicate further, and my attempts to resolve the situation directly with them have been unsuccessful. 

The amount lost is significant, representing a large portion of my savings. As a student, this financial loss has severely impacted my situation. I have already filed a police report regarding this matter and have informed Venmo of the scam. Unfortunately, Venmo has not been able to provide a solution, despite being aware of the fraudulent nature of the transaction and having the scammers information on file. 

I am seeking the assistance of the CFPB to address this issue and advocate for consumer protection in situations like mine. It is disheartening to experience this type of fraud, especially when platforms like Venmo do not offer adequate protection for users against fraudulent transactions. 

Thank you for your attention to this matter. I hope to see improved consumer protections in place to prevent others from experiencing similar situations. 

Sincerely, XXXX
Consumer complaint received 2024-10-13
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. (GA)

I was a victim of ID Theft in the past and was made aware of it. I pulled my credit report and noticed unauthorized accounts on my credit report. 

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 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account : XXXX XXXXXXXX
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 

I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
Consumer complaint received 2017-12-12
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. (FL)

Equifax incorrectly reported that the "Current Status" of our XXXX XXXX account was "120+ DAYS PAST DUE" despite being told by us and XXXX XXXX  that it was "Paid and Closed."  This incorrect reporting that went on uncorrected for years caused irreparable harm, including being denied loans and being required to pay higher interest rates for loans and credit that was approved.  Equifax has refused to respond to our XX/XX/XXXX 2017 letter seeking a settlement.  Prior to filing suit, we are reporting this to the CFPB in hopes that your agency may assist with getting a response and settlement.