davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

Recently I received notification from M & T Bank ( creditor ) that our escrow account was short. Our two options were to make a payment in full to satisfy the escrow shortage, or make monthly payments to satisfy the deficit. My family and I decided to make additional monthly payments. Three additional payments were made towards the escrow shortage. Separate checks were written and I specify on the memo section of the check that these additional payments should be applied towards the escrow shortage. 

M & T chose to apply my escrow check payment towards my principle & interest payments, therefore, they have failed to apply my escrow payments correctly. Several unsuccessful attempts have been made to resolve this matter. During my last attempt to contact them in XXXX 2017 I was finally promised that they would reverse the escrow payments that were previously credited to my principle and interest. Unfortunately, about two weeks later we were contact by the creditor, this time to inform us that they will not be able to correct their mistake since the error occurred more than 90 days prior. 

Again we have made several attempts to resolve this matter within 90 days prior to receiving the last letter from creditor.Furthermore, creditor is reporting that I am 30 days late on my mortgage based on how my account was credited. This erroneous reporting can be a detriment to my credit scores.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I have deposit check on mobile deposit on XX/XX/2022 {$1000.00} dollars on mine Citibank account. 
I am still have {$5.00} on account with mine owe money available. 
Now on date XX/XX/2022 mine account is Overdrawn - {$1000.00} That is not right by the law of bank rules book. 
On working date they have to clear the check not hole mine check to the XX/XX/2022 to be clear. 
That is every wrongful by the law of the bank to do that to customer. 
Please please please need helping to fix the Citibank law
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My capital one credit card accounts are being restricted because I have added authorized users.This is something that is legal within the capital one company policy. They are asking me for information and documents about the people that I have added even though they are no longer on or with my accounts. My accounts have been opened for about two years and it will be very difficult to track them or their information down when I do n't know their current situations or whether or not some of them are deceased. When I added them to begin with, they should have just asked me for all of the required information then. I pay annual fees to keep some accounts open. Now I 'm being restricted without a clear explanation why. Capital one called me from their fraud department, but I have not committed any fraud.
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (AR)

) In an effort to make sure we are covered, I am sending in another complaint, because our situation with BBVA seems to only get worse! My wife called BBVA back, after about a week or so when BBVA indicated to us, that before they could take a payment from us, they had to get everything straightened out on our XXXX payment they had lost. My wife called BBVA, and a representative told her that they had a screen shot of the payment we sent them ; and they had to figure out where to apply the XXXX payment, which didnt make any sense to us! After that, my wife has been continually calling BBVA for the last month of XXXX, up until now to no avail ; trying to make a payment, and there is a recorded message that says, leave your account number, name and phone number, and someone will call you back ; but no one never does. ( That number is to their Bankruptcy Department, even though we didnt put the car in Bankruptcy XXXX ) ) We did get a call on the XX/XX/XXXX from BBVA, that they have noted in there call logs, but it was for a survey about their service, which I find very funny, considering how bad the service has been! 
) BBVA has been very incompetent, and if they are going to make it this difficult for us to make a car payment, we feel that they should just go ahead and send us the title to the car ; or not charge us for the month of XXXX and XXXX or however long it takes. 
) The problem of making a payment only seems to get worse with BBVA at this time, and we are worried and confused on what to do!
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performant Financial Corporation (VA)

I have three Student loans Disbursement date XX/XX/XXXX for XXXX XXXX  ; XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. I have been current paying XXXX XXXX for a year and have been in good standing and that has been reported to the credit report. XXXX has reached out to my employer and started garnishing my wages and did not have my correct address or credit name and has been reporting to the three credit agencies that I have been behind. I do n't know who to blame
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (NC)

IC System has reached a debt that is older than XXXX XXXX on my credit report. I have not received any communication in regards to the debt and original creditor was XXXX. This account had long been closed and I have disputed this with the credit bureau.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Diversified Consultant is reporting to the credit bureau that I owe a XXXX account in the amount of {$980.00}. Accounting to my credit report the account was open X/X/2015. I have never had an account with XXXX. I have ask for Diversified Consultant over 5 times to validate the debt and they have failed to do so. My rights under the Fair Debt Collection Practices Act ( FDCPA ) states I have the right to request the creditor to prove that the account belongs to me. Diversified Consultant has not done so. The only information they have been able to provide is a computer print out of a XXXX bill. This information does n't proves it belong to me nor does it proves I have a signed agreement with the creditor.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I have a relatively significant amount of bitcoin stored in a digital vault housed with Coinbase. They require approval from two email addresses that I setup to move the bitcoin out of the vault into my virtual wallet. I no longer have access to one of the two email addresses and therefore do not have access to my bitcoin. I emailed Bitcoin one month ago on XXXX XXXX requesting they help me. They responded and said my case required a specialist and it would be a priority for them to help me. Nothing has been resolved. Its a lot of money for me not to have access to for so long.
Consumer complaint received 2018-01-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Justice Finance Company (TX)

I am receiving harassing phone calls at my place of employment two days after the due date which is on the XXXX of each month. Approximately early XX/XX/XXXX, I had a setback and was not able to make my payments on time. My payday is only once a month on the XXXX. I spoke with " XXXX '' and she stated she will place the note in the " system '' so they will know. Each month, I still received the same phone calls regarding the late payment and reiterated I was not able to pay until the XXXX. In XX/XX/XXXX, I received a note from my employer that the company left a message for me to contact them. I returned the phone call and requested they do not call my place of employment because of the nature of my job. I spoke with " XXXX ''. She said she would make note to not call me at work. I also mention to " XXXX '' that it should be noted I would make payment on the XXXX as well. She said she did not see the note but would place it in the " system ''. The calls continued for XX/XX/XXXX and XX/XX/XXXX from " XXXX ''. In XX/XX/XXXX, I received a message from my employer that " XXXX '' called me from XXXX XXXX. This is not the creditor however from the number, I recognized it was the XXXX XXXX. I called to speak with " XXXX '' and she was extremely rude, telling me I should be more responsible and professional because of my job title. She said she did not see any messages about not calling my employer or my arrangement to pay on the XXXX and that I did not tell her this information so it did not matter. I stated I should not have to speak with everyone in the office to make the arrangement. Although, it does n't seem to help anyway because you all call and harass me every month. My balance is only {$170.00}. I do n't understand why harass and bully someone for small amounts. I am making this complaint for the harassment I am receiving from this company. Many of my friends and family members who have had business with this company in the past stated that is why they do not take out loans with them anymore.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (SD)

My XXXX Bank credit card is charging foreign transaction fees on transactions done in USD. 

When I called and asked about the fees, they could not tell me the currency used to convert to USD or any other information about the foreign transaction fee. 

My call was escalated to XXXX at US Bank. She informed me that the transactions were submitted in USD but I was charged a 2 % foreign transaction fee because the bank is a foreign bank. 

They told me it was calculated by XXXX and not US Bank. 

The fees total more than {$15.00} so far.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old XXXX credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XXXX/XXXX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.
Consumer complaint received 2018-01-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I reviewed my credit report on XXXX XXXX and saw that there was a negative file on my account by XXXX XXXX XXXX. 

I sent them a letter requesting them to validate the debt, however I never received and response from them. USPS Certified Mail Receipt : XXXX, shows that letter was delivered on XXXX XXXX, XXXX. 

By not responding, CCS failed to comply with the Fair Credit Reporting Act and the Consumer File Rights. It has been well more than 30-45 days since I have sent them communicated, have proof that they have received it, and have failed to respond to me to validate the account. 

This company needs to be held accountable for their violation of my consumer rights.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (CO)

I made a dispute on XX/XX/XXXX about my background check having an accurate information after being denied to drive for XXXX and XXXX. After looking on their website, I clearly says XXXX law it should only Go back seven years. This company is showing repeated old information going all the way back to XXXX. This company has been sued At least 80 times for the same thing. They are very clearly violating the laws. Id like this adverse information removed Immediately. 
Thank you
Consumer complaint received 2024-11-01
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. (MD)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland funding llc filed a complaint against me in XXXX Magistrate court court in XXXX county south Carolina. I followed civil rules of procedure in which I had 30 days to answer ( served on XX/XX/XXXX ). According to civil rules of procedure I had 30 days in which to answer excluding the date of service, weekends and holidays. I filed an answer Today on XX/XX/XXXX in answer citing the CFPB consent order in which they violated the order. The magistrate court of XXXX XXXX refused my answer stating that I only had 30 days which included weekends and holidays. XXXX XXXX used the robo signed affidavit of account, attached a validation of debt letter directly to the complaint, never sent it to me to deceive the court that one was sent. XXXX XXXX did not have ANY account level documentation to prove a debt. XXXX XXXX violated the consent order and used everything that was prohibited including XXXX, FDCPA, Fair Credit reporting ACT, Abuse of process collected a default in excess, escalated fees. XXXX XXXX was the Law firm formerly XXXX. I do not owe them. XXXX XXXX is still filing these deceptive complaints ignoring the consent order and making a laughing stock out of the CFPB. I will send you a copy of the complaint and my answer.
Consumer complaint received 2018-01-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (IL)

I was approved for a payday loan with blue chip financial/XXXX XXXX..InXX/XX/XXXX for XXXX dollars.. This company violated section 3-3 ( a ) of the payday loan reform act in the state of Illinois which clearly states for a business to act as a payday lender in the state of Illinois, this business must be licensed with the department of financial and professional regulation which this company is not. XXXX further violated section 1 of the payday loan reform act by offering, making or arranging payday loans to consumers to state of Illinois without obtaining a nd applying for the required license by the Illinois department of professional regulation therefore making this loan illegal in the state of Illinois.This company further violated a cease and desist order which was issued on XX/XX/XXXX which states the spotloan will cease and desist collecting on any payday loans given to consumers on or afterXX/XX/XXXX
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

After numerous attempts to have the credit reporting agency Equifax, remove erroneous and derogatory information to be removed from my credit report has been to no avail. During the previous year in XXXX of 2017, I disputed many erroneous errors in my report. There is a public record that has been settled by the courts and myself.
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

I have contact this company on several occasions. The first time I was told I was n't in their system. ( If they were unable to verify me how can the verify that the balance is valid ) The second time, I called they were able to locate me in the system and were suppose to follow back with me after speaking with the orignial debtor. I never got a call back. Third attempt, I 'm still awaiting a call back from a manager. I have also attempted to dispute with the original debtor but they indicate they no longer own the alleged debt and must contact the collection agency. The collection agency, I do not have a contract with. No, the balance is n't correct ; I never attended classes there.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION claims as frivolous, yet in CFPB XXXX they have a letter from XXXX dated XXXX/XXXX/2016 where they explain they are sending the account statements because of FEDERAL RESERVE INVESTIGATORY CONTACT ON XXXX/XXXX/2016. 
The evidence of creditor fraud in muliple illegal charges on XXXX ACCOUNT ... ... XXXX WAS NOT RECEIVED BY ME UNTIL AFTER XX/XX/2016.The evidence is legally substantiated by the CFPB and Federal Reserve yet TRANSUNION NOW KNOWINGLY AND WILLFULLY REFUSE TO ACKNOWLEGE THIS MATERIAL WHICH IS NOT FRIVOLOUS TO XXXX, XXXX, THE CFPB, THE FEDERAL RESERVE ... ..ONLY FRIVOLOUS TO TRANSUNION AN UNETHICAL, LAW VIOLATING COMPANY.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Problem with chase bank since last year of 2020 of early XXXX for them to relinquish the funds that unemployment had deposited into my account I filed several claims and called repeatedly. I had a case agent named XXXX who was handling it, but had to close it due to unemployment needing to submit a letter that they wrong me on my account for the amount I was to be paid.Been over 1 year and problem still havent been solved Ive XXXX XXXX XXXX  multiple times and informed them of what unemployment told me once a wire transfer is in my account its out of their hands and that its either send funds back to unemployment or release them to me and both sides isnt helping at all, only had new account for 3-5 months, and I faxed copies of previous deposits and dates from unemployment who provided me those funds in beginning of pandemic of Covid19.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (WI)

PNC Bank performed an external transfer of funds from my XXXX XXXX account to a PNC account that had been closed for over two weeks. The banker that closed my account should have made sure that any transfers were cancelled before closing the account, since I obviously wouldn't want the account receiving money weeks after it was closed. 

I made an appointment for a banker to call me and they never called.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

I opened my account XX/XX/XXXX to recieve my payments from selling Bitcoin Via XXXX. I didn't have a Debit card yet so I attempted to send my funds ( XXXX ) to my step Dad and Instead my account was locked. When I called and explained the problem and What I was trying to do The person on the phone asked will I be sending money to him often I said yes he acted like he u der stood. He told me to try again in 30 minutes so I waited an hour, tried again and my account was locked again. I called a second time, this time I was told to make smaller payments or move the money outside of XXXX so I sent a smaller payment of XXXX 2 days later on the XXXX. My account locked again and when I called they told my they will not open it again and my funds will be sent out in 7-10 business days. For weeks I attempted to send proof of my payments and no one accepted them until XX/XX/XXXX I called and someone finally told me I could send in proof. I go in the next day on the XXXX and fax over my proof of purchases as requested. I sat in the Bank for an Hour and the man there sat on the phone and pretended to transfer my information over and verify me. I left and waited for weeks and nothing happened but for sim reason the bank was sending letters saying they took money out after I've sent all my documents and proof. So I called the XXXX and they told me they see the request to send in proof but no one ever sent it in and he didn't know why either. He told me redo it and this time send it as a XXXX bc I was never supposed to fax it so I came in the XXXX and resend them to the man at the other branch in XXXX. I've still been waiting for new information no one has sent anything and I have been struggling and behind because of it. Every time I listen to the bank they make it worse for me every move I made was bc they told me to do it and then they lock my account and treat me like I did something wrong
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NH)

I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$200.00} on XXXX. I expected to receive 5 % of {$200.00} or {$10.00} but I only received {$4.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$5.00}.