davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY (FL)

The collection agency " The XXXX XXXX '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me.
Consumer complaint received 2020-06-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cottonwood Financial Ltd. (NM)

XX/XX/2020 PAID XXXX After several times of contacting them the balance finally showed a XXXX recently XXXX showing as an open collection this has dropped my FICO 4 score 49 points making
Consumer complaint received 2018-09-05
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

A charge from XXXX XXXX was incorrectly billed to my account in the amount of {$160.00}. Several other charges came in the same day and TCF has their computer program work so that it processes charges from largest to smallest. This results in TCF being able to charge the most overdraft fees. This resulted in subsequent days items also creating overdrafts. See attachment.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

Company paid my real estate taxes to town twice. They have not adjusted in timely matter and are asking for a higher escrow payment to fix. 
I have been on the phone with Round Point Mortgage since this issue was noticed in XXXX of 2016. Since then I have received incorrect escrow analysis, inaccurate year end statement, wrong XXXX to file to IRS and multiple other wrong documents. I contacted Round Point again in XXXX about the issues above. I was told a case would be opened and if there was a double payment made to tax office that they will fix the above problems. Well that time has passed and I still have a wrong escrow and tax forms, so unable to file taxes. Also, have over payment of {$17000.00} to tax office and am currently prepayed and Tax office is aware of issue. But, Round Point still would like me to pay {$25000.00} to keep my mortgage payment the same to correct their error, with double payment to the tax office until they feel like fixing the issue. So, 3 months have passed and still same problem. Multiple phone calls asking to speak to someone handling my case and they state they ca n't be contacted, but that they are still working on it. Now new mortgage payment is due, and is extremely inaccurate and double the usual. Tax office has stated that they have had no contact from RoundPoint Mortgage ever. So in contacting ROund Point again I still have not had my issue corrected.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

OnXX/XX/18 I realized that an error was made wherein an additional payment was made to my account. The balance on my card was {$320.00}. To avoid interest charges ( printed on my statement ) I paid the required {$100.00}. In addition to this payment an additional {$550.00} was also made. On that date I first tried to reverse the payment with my bill pay credit union ( XXXX XXXX XXXX XXXX ) to no avail. Thats another complaint for another day. I then called the stores ( Kohls ) customer service department and was told the payment hadnt posted yet. I called the next day and was told that both payments had posted but were unable to reverse or refund the additional payment. Note that this now gives me a credit balance of {$330.00}. On the following day after that, on XX/XX/18 I called yet again and spoke to a supervisor ( this after holding for one for quite some time ) and was told if I had called the previous day that {$550.00} payment may have been reversed. They saw I had called the previous 2 days and said they were sorry I received wrong information. Then told me theyd only send me the credit balance ( now they say is {$330.00} IN A FEW WEEKS! I feel this is wrong. I have since closed the account. I WAS a loyal customer for 15 years.
Consumer complaint received 2018-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (SC)

On XXXX XX/XX/2018, I was issued a loan from MoneyLion for {$850.00}. To date, I have paid {$820.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1000.00} ( 5 payments of {$200.00} ). MoneyLion has received full payment of the {$850.00} borrowed plus {$180.00} in fees. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$850.00} loan, the fees collected should be {$120.00}. I have paid {$57.00} more than this amount. 

MoneyLion is still planning to collect another nine payments of {$200.00} ( {$1800.00} ). If I pay those remaining payments, I will pay a total of {$2600.00} for an {$850.00} loan. I will pay {$1800.00} in fees. 

This is PREDATORY, OBSCENE and APPALLING!!! MoneyLion preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL.

Once my fifth payment of {$200.00} is posted to my account, MoneyLion will have collected {$1000.00} on the {$850.00} loan. At that time, I want my account marked " Current/Paid in Full/Closed ''. I am requesting MoneyLion absolve me of the remaining 9 payments as that is predatory lending at its worst.
Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

on XX/XX/XXXX I submitted a application for a refinance on loan I have with citizens one bank for which I have a mortgage with now. this a new complaint for an old problem I have a claim # XXXX I was told that I would need to have permanent income to qualify for a refinance because I was on temporary workmens comp income. I was deemed XXXX in XX/XX/XXXX, also I have a pension and rental income I sent XXXX XXXX this income imfo and we did a loan app. I had to supply all kinds of documentation which I did. then I was told once everything was accepted I would need to submit either credit card or debit card so they would be able to pay for appraisal. I was told they would not take money or order appraisal if my loan looks like it was not going to be approved. this is XX/XX/XXXX during the month all was well, looked like they were going to approve my refinance. but then they kept emailing me for documentation I had already sent to them, I questioned why you did n't have this because I know I had sent it. now we at the end of XX/XX/XXXX I was asking when were we going to close all I got was robo type answers from XXXX XXXX. his prepared statement was that he would check into it shortly unfortunately his shortly was 2 weeks. when I asked about why I had to send duplicate imfo he submitted the same robo answer. so I emailed him back and replied that your shortly is 2 weeks or no response at all. then on XX/XX/XXXX I got a called from XXXX XXXX to imform me that my refinance was denied after all this time, he knew it was denied before me, then he went into my account on XX/XX/XXXX and took the appraisal fee when the time to withdraw it from account it had expired. just like I had so much time to submit my documents if I did not submit them in time the loan would be cancelled. this is bad business and borders on criminal. this time there excuse for not refinancing me is that my rental properties looks like a loss on paper from my taxes. for real!! these people are bankers they know how that works I showed XXXX the same taxes when they refinanced XXXX houses for me they knew when you file your taxes sometimes it shows a loss but that does n't mean you are not able to handle responsibilities I 'm sure they have a lot of investors such as myself that they refinanced and did first mortgages for this is how banks make money.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

My wife made a deposit to my bank account in Puerto Rico from our joint XXXX account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by XXXX. I have the cancelled check and statement reflecting this. Yet, the bank in Puerto Rico claims the funds were not released from XXXX and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00}. My wife filed a complaint through CFPB case # XXXX-XXXX first against XXXX. XXXX proved this check was paid so that case was closed. However, athough we have repeatedly shown all evidence to Banco Popular, they have denied receiving these funds and never credited my account with the {$700.00} I am attaching copy of bank statement reflected payment of check from XXXX and copy of paid check received by Banco Popular.
Consumer complaint received 2018-08-20
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. (GA)

In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX and XXXX   reports without either consent and had not been updated on TransUnion since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and TransUnion to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

The problem is with Lakeview Loan Servicing with my escrow account. Lakeview is calculating my taxes for FY XX/XX/XXXX incorrectly and forcing me to place an addition {$200.00} into my escrow account and raising my monthly mortgage payment. My county taxes for XXXX XX/XX/XXXX will be XXXX per the XXXX XXXX Treasurers office. Lakeview says my taxes will be XXXX, a difference of XXXX which more than covers the alleged short fall of the escrow account. 

My escrow account on XX/XX/XXXX will have a balance of {$910.00}. Leaving my current monthly payment the same with no changes, my escrow account on XX/XX/XXXX will have a balance of {$1200.00}. 

Thank you.
Consumer complaint received 2018-09-07
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. (CA)

I contacted XXXX two times on XX/XX/18 and XX/XX/18 regarding unverified 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 ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX  and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX ( Chase Banker ) called me twice asking me to open a Chase account & we could earn {$500.00}. We set up an appointment date for XX/XX/XXXX at XXXX. We opened a checking account & deposited a check for {$2000.00}. Criteria for receiving {$200.00} from chase for opening the checking account meant we had to set up a direct deposit. My husband contacted XXXX on XX/XX/XXXX to organize direct deposit of his wages. On XX/XX/2017 he received notification from XXXX that his first check was returned as the Chase Account was closed. I tried to access the account online & was told that the account did not exist. I called XXXX & he advised that there was an issue with the check & it had been mailed back to me & I needed to call the number on the back of my ATM card for further info. I called the company that issued that check & they advised that the check had cleared on XX/XX/2017. I called the number on the back of the ATM card & the operations officer advised that they could not verify the issuer of the check so the funds were on hold & i needed to get them a number for the company so they could verify issuance of the check. Chase never contacted me to advise there was any issue, they just placed the funds on hold & closed the account. It 's the most unprofessional treatment I 've ever received. I contacted the company that issued the check & got the number for the person that signed the check, I called Chase with his name & contact details & they have advised that they can not verify his number as his name is not on public record as being associated with the company. I have never heard anything like this in my whole life.Chase has {$2000.00} of our money on hold for a month now.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

Opened a business checking account at the XXXX, NJ Chase branch. The account had a promotion of {$500.00} for depositing {$500.00} and keeping the balance for 60 days. I have inquired about the bonus not posting and have been informed that the deposit funds needed to be new to Chase. This was never communicated to me by the branch personal banker who transferred {$1000.00} out of my personal account at Chase into my business acccount to fulfill the promotion requirements and to hold a minimum amount in the account to avoid the $ 20 monthly fee which is waived for the first 2 months anyways.If new money needed to be deposited, then there was no reason to transfer the {$1000.00} on that account opening day. I could have easily changed my direct deposit to go from my personal account to the business account. There was a lack of communication on the banks behalf.
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

My mortgage was transferred to JP Morgan-Chase by my current servicing provider, XXXX. I received a notification about this change less than five days before the change from XXXX, and a notice from Chase the day OF the supposed payment change. 

I want nothing to do with JP Morgan-Chase - they are a company known for committing significant mortgage fraud - billions of dollars worth - and I have a moral conviction to not do any business with them. I attempted to contact them, however their customer service lines all hang up on you without letting you speak to anyone. 

I refuse to do business with a morally bankrupt institution such as JP Morgan Chase. What are my options to prevent the transfer of my loan, or move it to a company that isn't filled with blood sucking leeches?
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX ( FICO ) - XXXX and Equifax are incorrectly calculating and reporting my credit score. I was told I have a " split '' Equifax file where when FICO runs an algorithm to determine my score sometimes FICO sends all information in my report and other times sends partial information. This inconsistency causes fluctuation in my score of more than 100 points monthly making it an unreliable and incorrect indicator of my credit profile and harming my consumer profile with creditors. Both companies are aware of this yet nothing has been done to address or fix the problem.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Columbia Recovery Group LLC (WA)

This company is automatically charging me their legal/attorney fees for a court summons, and including those fees in the settlement on top of the original debt plus interest. I was n't even notified or aware of the debt or that I would be sued. I was n't even aware of the debt itself, I had to contact the original creditor to confirm their contact information.
Consumer complaint received 2016-03-25
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Meridian Title  Corporation (IN)

I purchased a XXXX acre property and was issued a title policy by Meridian Title. The policy stated their were no encroachments on the property. It was later determined that there was a pipeline running across the property and they held a blanket easement on the entire property. Several attempts by me about the problem were ignored by the title company. I had to hire a private attorney to assist me in this issue. It is now over {$5000.00} in legal fees later and the title company attorneys have refused to advance the case to mediation
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I disputed the fact that a Chapter XXXX bankruptcy that I filed XXXX and was dismissed on XX/XX/XXXX should no longer be reported on my credit report. The laws clearly state that ChapterXXXX bankruptcy will remain on your credit report for 7 YEARS from the date filed, which it should have been removed XXXX. I XXXX disputed this in XXXX, with Equifax. Equifax reported that this bankruptcy was mine and verified XXXX. As of today it is still on my record. XXXX XXXX and XXXX did remove the bankruptcy XXXX. I again disputed with Equifax in XXXX about the bankruptcy, and again they claimed it was verified as accurate. After talking with a customer service agent with Equifax, they informed me that I had to call the bankruptcy court and dispute the record. On XX/XX/XXXX I called the court, and they advised me that they do n't report anything to the credit reporting agencies and that I needed to consult with an attorney. Nevertheless I 'm getting tired of the run around and the time its taking to resolve this. Especially when the XXXX other credit reporting agencies have since removed the negative information from my file.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I expressed interest in XX/XX/XXXX, XXXX ( XXXX ) that I found on XXXX, at a dealership named XXXX TN. I was instructed to go back to the website and apply with their lender, XXXX XXXX. I was pre- approved for {$39000.00}. ( XXXX ) I was emailed contact info from XXXX XXXX, though I eagerly anticipated purchasing this vehicle I stopped hearing from XXXX.On XXXX XXXX, I emailed XXXX XXXX ( XXXX ) and told him I was no longer interested in purchasing that vehicle or doing business with them. I asked that they properly discard my personal info and since I was pre approved, I should not be receiving a denial letter. I found a XXXX, at a dealership in XXXX AL, I was approved on XXXX XXXX by XXXX XXXX and took a XXXX bus on the XXXX XXXX, signed the documents and drove my truck back to Georgia.Though I 've been driving my truck for almost a month, as recent as today ( XXXX ), my credit is still taking hits ( XXXX ) by being denied financing for a vehicle I requested that I was no longer interested in.Despite being pre approved by their lender and approved by XXXX, My credit is still taking hits!