davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Saturday XX/XX/XXXX, I attempted to make an atm withdrawal in the amount of {$240.00}. I was unable to, due to a fraud block placed on my card. I called Bank of America customer service. which took me an over 1 hour to get someone on line. The feature the bank has to call you back rather than wait. Is not helpful at all. I was asked about a few transactions that occurred with my debit card and verify it all, except for 1 charge that was overseas. I was told the card was compromised and I would get a new card in the mail. On Monday XX/XX/XXXX I seen the credit card payments I made, and by the end of Mondays day I had deposited enough money to the account to cover the credit card payments and left with a positive balance of {$96.00}. On XX/XX/XXXX, I was charged with four {$35.00} fees Because of the {$1000.00} charge the fraud department placed on the account that I wasnt aware of would be in the account. I spoke with a supervisor on the phone and he had could not understand the issue. Since then Ive been hit with additional fees to the account for more than {$300.00}.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NY)

I am unable to speak with a PayPal Dispute Department representative to address two identity theft issues with my PayPal account. 

The first issue is under claim or case number XXXX. This issue relates to a false charge from the PayPal collection agency, XXXX, stating that I owe PayPal {$480.00} when in fact I have a XXXX balance in my account. 

The second issue is under case number : XXXX. This relates to my PayPal account being connected by one or more pieces of personal information to another PayPal account. 

I have called PayPal customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have spoken with Collections Department agents XXXX, XXXX XXXX ( very nasty agent who refused to allow me to talk with a supervisor ) and XXXX. After the Collections Department agents said they could not help me with my identity theft issues, they transferred me to the Dispute Department. On each transfer of my call on all three days I was unable to speak to a Dispute Agent due to two problems : 1 ) my call was dropped ( hung up on ) by the PayPal automated system ; and 2 ) I was on hold for over 15 minutes when I finally had to hang up waiting for a Dispute agent to answer my call.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IN)

I bought something off XXXX on XX/XX/19 XXXX is in the USA This company charge {$.00} on XX/XX/19 They said that the seller was overseas and visa charged this to convert the currency. 
XXXX said that they do all the converting. 

On XX/XX/19 they charged {$2.00} in interest This credit card has a no interest introductory offer until XX/XX/19 They said it was because of a XXXX XXXX   transaction done XX/XX/19 and that they can charge interest on that. 

I was told if I paid at least the XXXX XXXX transaction amount plus the minimum due that it would be no more interest charges I paid over the amount stated Then on XX/XX/19 they charged another {$2.00} I could get a satisfactory answer on why
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AZ)

I have a number of loans serviced b y PHEAA. I also h ave a number of consolidated loans serviced by  XXXX   XXXX . I am currently paying, on-time, income-based repayments to the consolidated loans serviced by  XXXX   XXXX . I have been unable to get PHEAA to create an income-based repayment plan for the loans serviced by them, and so I have spent the past 6 months wasting deferment, which should be used only in cases of emergency, and not for staving off the ill-effects of PHEAA incompetence.     6 months ago, I submitte d IBR  requests via   XXXX   The request sent to  XXXX   XXXX  was processed immediately, and I began making on-time payments. Because this was my first time making loan payments, I assumed that I had everything squared away. 2 months later, however,  PHEAA  informs me that I am behind on payments.     As it turns out ( and according to a CSR fro m PHEAA with  whom I discussed this matter ), at the time that I submitt ed my IBR requests, PHEAA was not accepting online IBR requests f rom  XXXX . PHEAA did not inform me of this, and so I was unaware, at the time, that the request had not been processed.     For the past 4 months, I have submitted complete forms and supporting materials  to PHEAA to attempt to create an IBR plan. Over these 4 months, PHEAA has had a number of failures : Thei r website would not pull from federal IRS forms, their online uploading system has been down, their auditors have failed to comprehend even the most clear documentation of income, In those 4 months, I have never had anywhere near the income to pay the required payment, absent an  IBR plan. This means I have had to use my precious little deferment while dealing with constant delays and failures on the part of PHEAA. Not only that, interest has been accruing on accounts that should have begun receiving payment, had PHEAA processed, in a timely or accurate manner, any of the numerous IBR plan requests I have sent them in that time.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MN)

I have an XXXX XXXX XXXX credit card issued by Wells Fargo Bank NA. I recently purchased wedding/engagement rings totaling {$19000.00} on XX/XX/2019. The special financing they have was zero down, 9.99 % with equal payments over 60 months. On XX/XX/2019, an account statement was generated showing a payment due on XX/XX/2019 in the amount of {$410.00}. {$410.00} x 60 payments equals {$24000.00}. When amortizing the amount financed over 60 months with equal payments of {$410.00}, this translates into an APR of about 10.5 %. Using an exact days method of accruing interest, for it to be 9.99 % APR, the payment should be {$410.00}. This is only {$4.00} per month, but over the life of the loan, its {$280.00} of what appears to be over charged interest. 

I called Wells Fargo customer service on XX/XX/2019 and was told, at multiple levels, that all they know is they have a " payment factor '' of 2.1465 % and refused to provide any additional information on how the equal installments were being computed as well as refused to provide any sort of amortization detail to prove out the payments. 

The 9.99 % APR they claim they offer is not 9.99 % and although minor in dollars at the individual borrower, it is significant if you multiply it by hundreds or thousands of individual borrowers.
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (PA)

Our house was already foreclosed on and we were evicted. Thing is we paid XXXX XXXX   XXXX thousands and thousands of dollars to stop it but all they did was file repeated attempts for backruptcy then offered to buy our home and rent to us. Then the night before our eviction, our representative XXXX XXXX called and said nothing would happen, we were fine. Lies, because the sheriff evicted us. If XXXX had done his job he would have seen the assignments on 6pur deed were invalid. Now Mr XXXX has asked me for money to clean up our credit rating. Unbelievable
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

I WAS CONTACTED BY THIS COMPANY TIMESHARE REGISTRY INTERNATIONAL ON XX/XX/08 AND THEY WERE TO PERFORM A SERVICE FOR ME WITH MY TIMESHARE AND I PAID THEM XXXX ON MY CHASE VISA CREDIT CARD. AFTER PAYING THEM I HAVE NEVER RECEIVED ANY CALLS FROM THIS COMPANY AND I HAVE TRIED TO CALL THEM BUT NEVER GOT AN ANSWER. I HAVE CONTACTED CHASE CREDIT CARD AND THEY TOLD ME THEY COULDNT HELP ME THERE WAS NOTHING THEY COULD DO. I AM THERE CLIENT AND THEY SHOULD BACK ME ALL THE WAY SINCE I WAS FRAUDED OUT OF ALL THIS MONEY BUT THEY DID NOT. I LIVE ON A FIXED INCOME AND HAVE TRUSTED THIS AND OTHER COMPANIES TO FOLLOW THROUGH WITH WHAT THEY TOLD ME BUT STILL THE CREDIT CARD SHOULD BACK ME AS THERE CLIENT. PLEASE HELP ME GET MY MONEY BACK.
Consumer complaint received 2019-05-29
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: Experian Information Solutions Inc. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX
Consumer complaint received 2019-03-11
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: Experian Information Solutions Inc. (TN)

I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to Experian. The account is also reporting on my XXXX and XXXX   reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

Please refer to Case number -  XXXX , attached Cover Letter to CFPB dated  XXXX   XXXX ,  2017 and  Exhibits A  - D  XXXX  Also, the funds that were obtained from EverBank  &amp;   XXXX  through the National Mortgage Fraud Settlement and the Multiple Consent Orders and then distributed to my state 's ( Georgia ) Attorney General (  XXXX   XXXX  at the time ) were never re-distributed pursuant to the settlement and consent orders as required. To the best of my knowledge, the funds were converted ( misused ) by my state apparently for roads work. All I know, is that I never rec 'd any of the funds. Had I rec 'd the funds as required, then I would have been able to get my loan current and avoid foreclosure. I also applied for funds/relief through Hamp/Mfa and through the  Hardist Hit Fund . EverBank  &amp;   XXXX  violated &amp; failed to comply with multiple metrics as defined by  XXXX   XXXX , the mortgage fraud settlement monitor.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. Please remove this late in my credit report.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.
Consumer complaint received 2019-05-29
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: Experian Information Solutions Inc. (TX)

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Experian continues to allow this unregistered debt collector unlawfully report unverified information. I have submitted several disputes.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (ME)

I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled  me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A  11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local   XXXX   XXXX   .We only wanted to keep our HOME,.
Consumer complaint received 2017-04-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  SLS Loan number  XXXX  For the past several payment periods we have been charged ever-increasing amounts for Late Fees. We have made payment of everything billed to us well before the date required. Our last statement has a {$100.00} late charge. But we paid the full amount require by the SLS previous statement on  X/XX/2017   , before the due date, and well before the date for late charges. Payments were made through  XXXX , and I believe electronically transferred.
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (GA)

I'm a fraud and Someone filed for a bankrupt in my name. The address that they use to file the bankruptcy isn't even reporting on my credit report and Experian still won't delete the the item.
Consumer complaint received 2019-03-10
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 (LA)

Applied for a business gold rewards credit card with a welcome bonus of XXXX points. Never received ANY popup, which said that I am ineligible, never had the card before, never violated any terms on other cards. 

After 2 months and 2 investigations, XXXX reps failed to provide ANY reason, except for some vague language " based on customer information and prior relationship we can not give a bonus ''.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NM)

On XX/XX/2020, a friend ( XXXX XXXX ) asked if I would accept a transfer of {$100.00} from his friend ( XXXX XXXX ) then withdraw the funds using my CashApp card and give {$100.00} cash to XXXX. I saw no reason to object and completed the transaction as described. On XX/XX/2020 XXXX asked me to do the same, and so a second transaction for {$100.00} was completed. 

A week or more later, I was informed by CashApp that the sender had filed a dispute with his credit card issuer and that CashApp had issued a " refund '' to XXXX  with no authorization from me. What's more, because there were no funds in my CashApp account, CashApp helped itself to funds in my linked checking account with XXXX. All of this was done without my knowledge or authorization. Again, the sender disputed the transactions initiated from his account ( CashApp has refused any further information on the nature of the dispute ) and requested a refund, which CashApp issued with no due diligence, no inquiry, no notice, no permission. 

I now suspect a scam with my friend XXXX ( and arguably CashApp ) a willing participant. XXXX first feigned surprise and assured me he would sort it out immediately. He then assured me that a mistake had been made, that XXXX did not intend to dispute the transaction and that somehow in trying to correct his mistake, XXXX had accidentally disputed the second transaction. This sort of chaotic response is typical. Next, when I pressed for an update, I was cast as the wrongdoer and XXXX ( who ended up with the money! ) cast as the victim. Again, familiar patterns of behavior. It's XX/XX/XXXX and no one is working to recover my {$200.00}. XXXX initiated the scam. XXXX has the money but has no connection with CashApp and no longer returns my phone calls. CashApp accepts no responsibility. They are hostile, insisting that I should work this out with the sender. I have no way to contact the sender and CashApp refuses any further assistance, and offers veiled threats of account closure for troublemakers like me.

Clearly, I need to choose better friends but where was my miscalculation of risk? It seems my expectation that CashApp would take reasonable steps to protect my interests when handling my funds was ill-founded.
Consumer complaint received 2019-05-30
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. (OH)

I was discharged from Chapter XXXX in XXXX of 2018, I have disputed these accounts to be updated correctly on my credit reports, and they have not been updated to show a XXXX balance and included in bankruptcy. We are not approaching a year after this case was closed and still no updates. The following accounts need to be updated to show a XXXX balance and included in bankruptcy : XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-updated to XXXX balance included in bankruptcy XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX Credit card-showing as charged off-update to show included in bankruptcy XXXX XXXX XXXX Credit Card- shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX/XXXX  XXXXXXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXXXXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX/XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Line of Credit-shows as a charge off-update to included in bankruptcy XXXX XXXX Line of credit-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX XXXX-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Collection Account-shows a balance of $   XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX   Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy.
Consumer complaint received 2019-03-09
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. (FL)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX , XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (VA)

Banks keep telling me that XXXX is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (NY)

Common Wealth Financial Systems located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.