davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account ID : XXXX was closed on XX/XX/XXXX. I did not receive any prior notice or explanation regarding the reason for the account closure. I have tried contacting customer support several times, but I have not received a clear response or steps on how to reopen my account. 

There was a balance of XXXX USD in my account, and I have been unable to withdraw or use the funds since the account was closed. This has significantly impacted my business and financial transactions, and I would like to understand the reason behind the closure and have my account reopened as soon as possible. 

I have provided all the requested documents and verification for my account, but the issue has not yet been resolved.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please see the attached document regarding proof that the XXXX XXXX XXXX XXXX  has received my FTC Identity Theft Report as evidence of my dispute, along with my FTC Identity Theft Report and proof of identity.
Consumer complaint received 2024-09-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

After Pennymac stated that they were going to " adjust '' my XXXX erroneous 1099-C to a lower erroneous 1099-C, they just added a XXXX erroneous ( false ) 1099-C " Cancellation of Debt '' ... ... ... so now I'm stuck with ( XXXX ) false 1099-C 's. ... ... .see CFPB Complaint # XXXX for the XXXX erroneous 1099-C. After I sent them another Notice of Error, all they did was refer back to their previous letters. 

There's nothing within these documents stating or listing what this supposed debt is supposedly for.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

On XX/XX/year> I called the Verve XXXX to close the account because of late fees ( inaccurate late fees and astronomical interest on purchases on the card ) They did not close the card and were not willing to discuss a payoff amount without interest and additional charges. This is considered predatory lending and fraudulent based on the information I have. As of yesterday, XX/XX/year> they finally closed the card but charges have been additionally placed on this card that are inaccurate - in order for us to come to payout agreement I want those charges removed. I will dispute the payment on the card until this occurs.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I have been disputing a charge since XXXX for an authorized charge i did not make for {$1000.00}. I have text messages, police office statement, and its never sufficient enough. I submit a CFPB and the executive office calls to tell me my claim has been resolved and final. Days later she calls me back to tell me she gave me incorrect information and the investigation is still ongoing, but that based on the evidence i submitted, everything looks good. The fraud department has submitted XXXX claims for this, they are never able to tell me what the charge is for. How is this even legal?
Consumer complaint received 2024-09-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (OH)

I was approved for a loan by Light Stream. They looked like a legitimate loan company. They claimed they were sending me a loan for {$5000.00}. To pay off some debt but they hacked my account and did a bunch of fake disputes on my account and now I owe {$3400.00}. 
Her name was XXXX she was pretending to be the manager. 
Her XXXX phone # are/were XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (GA)

THESE ARE FRAUDULENT ACCOUNTS, MY INFORMATION HAS BREEN BREACHED BECAUSE IF THE XXXX DATA BREACH ALONG AS MILLIONS OF AMERICANS GETTING THERE IDENTITY STOLEN FROM XXXX AS WELL AS THE DARK WEB THESE ACCOUNTS ARE FROM FRAUD AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CO)

On XX/XX/year>, I placed a check in the XXXX XXXX XXXX through mail boxes in XXXX, Colorado between XXXX and XXXX XXXX. It was made out to XXXX XXXX XXXX, # XXXX in the amount of {$4600.00}. The box was broken into, many checks were stolen, washed and cashed. Mine was among them and made out to someone named, XXXX XXXX and cashed XXXX XXXX XXXX, NY, on XX/XX/year>. I discovered this on XX/XX/XXXX when I received an email from my HOA stating that I was being charged late fees for non payment. I immediately called my bank, BMO and XXXX XXXX XXXX. I went to BMO to file whatever possible for an investigation and have done follow up numerous times without any response at all. I filed a report with XXXX XXXX, report # XXXX, again nothing. I later spoke with XXXX XXXX - investigator, who told me the case had been closed because it was not proven the theft occurred in XXXX XXXX. I called USPS and spoke with XXXX XXXX, giving her all the information. She responded that it was most likely not an internal theft and that it would need to contact XXXX. I was unable to reach anyone via phone so completed the form on the website. That was a few weeks ago, and have not heard anything from anyone. 
Im still out {$4600.00}, which is a problem for me. 
I have followed up with my local BMO branch regularly and am told that they administrative office said the report has errors, that it was submitted to the incorrect department, each time some ridiculous excuse. My local branch has been very supportive but has no authority to help further. I do not know where to go for help that is why I'm contacting you. Please help me .....
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX I wash charged from my Paypal account by XXXX for a subscription service I have not had since XXXX. XXXX quickly canceled the service after I called them letting them know this was inaccurate. Payment was canceled by XXXX and no goods were sent to me. 
I filed a dispute with Paypal because the payment has posted. Paypal claims that the charge was valid and denies my request for a refund. 
Now my money is gone and I did not receive any goods or services because I did not restart a subscription but Paypal does not believe me despite the proof that I sent them. 
XXXX even said the payment was declined but Paypal refuses to adjust. I even have a screenshot of the declined payment.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (LA)

1 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as tollows : Creditor Name : ASHRO Account Number : XXXX Date of Charge-Off : XX/XX/2018 Creditor Name : ASHRO Account Number : XXXX Date of Charge-Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America had failed to fulfill its promise of the XXXX dollar bonus for XXXX direct deposit. I had fulfilled requirements on XX/XX/XXXX but over XXXX  days later no bonus yet. Other customers had bonus post within as little as XXXX  days or less.
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NY)

On XX/XX/XXXX I had a conversation with XXXX XXXX about a condition with XXXX for homebuyers and that I could only have no more then XXXX in the bank. I have an email chain of a conversation where XXXX did not understand the condition and that she wanted an explanation nd when I read the emails my self It did not say anything that I couldn't have more then XXXX in the bank. When I also spoke to XXXX on the phone she stated it was a condition for XXXX because they only help people that need the money which sounded like they wouldn't help me because i had more then XXXX the bank which sound like discrimination because the program is for first time homebuyers and I was a first time homebuyer so of course I'm not privy to her end of the process she asked me to bring XXXX to the table since I couldn't have more then XXXX in the bank and so I stated to her why would I just give them XXXX of my hard earn money that I saved over the years just because I couldn't have more then XXXX in the bank so I told her I would rather put that XXXX dollars towards my XXXX loan that I had so she said she will check and see. When XXXX checked she stated she would do that. Now in that being said I did agree to that but I did not know that at closing I would have to bring an additional XXXX to the table for closing because I thought and was told that the XXXX grant money would take care of my closing cost but that was not the case. So this is the issue if I would have known that I would have to bring an additional XXXX to the table at closing I would have told XXXX to use the XXXX towards closing instead which would have brought my account down to XXXX but instead she made me bring XXXX to closing which includes the XXXX loan. She told me she could not fix that issue because I would loose out of the money and the home and that I would get sued by the seller so I went ahead and completed the transaction. I am really not happy with the company Annie Mac this was very unprofessional and would like some type of resolution. P.S I don't even think that was a condition that XXXX was looking for because XXXX did not understand the process herself.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (CA)

This debt of {$110.00} was deemed as fraud two years ago by the XXXX now it's back again under a different collector how can I be double jeopardy THIS COMPANY SOURCE RECEIBLES MANAG HAS RUINED MY CREDIT TO THE TUNE OF XXXX XXXX  THIS FRAUD ALSO MY BALANCES FROM TRANSUION ARE WRONG MY BALANCES ARE XXXX NOT XXXX PLEASE FIX THIS.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Opened a checking account at Citi about two weeks ago and put money in the account from my other bank through XXXX for an amount of {$1500.00}. I got paid XX/XX/year> because I put my direct deposit to Citi. But on XX/XX/year> at around XXXX XXXX I try to XXXX money out of my Citi account to my other bank and it wouldnt let me take it out. I tried about two more times and it blocked my online profile. I called the next day and customer service tells me they cant help me and verify me that I will receive a letter through the mail. Its I just I dont have access to my money. Its perfectly fine to send money to my Citi account but when I want to take it out they go ahead and block the online access. Bills need to be paid and Citi is holding my money.
Consumer complaint received 2024-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (GA)

Complaint Regarding Unrecognized Medical Debt Company Involved : RMP SRVC LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Summary : Incident Description : On XX/XX/year>, a dispute letter was sent to RMP SRVC LLC regarding a medical debt I do not recognize. The letter was received by the company on XX/XX/year>, with confirmation of receipt. 

Debt Dispute : The amount claimed by RMP SRVC LLC is {$100.00}. I have no record or knowledge of this debt. The dispute letter requested comprehensive validation, including proof of the debt and authorization to collect. 

Lack of Response : As of now, I have not received any response or documentation from RMP SRVC LLC regarding the requested validation. 

Impact : The debt remains on my credit report, causing financial and emotional stress.
Consumer complaint received 2024-09-19
Product: Credit 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 (WA)

I did not receive promotional {$2500.00} XXXX after allowing the required XXXX - XXXX weeks after receiving the credit card. 
I have called the company on XXXX, XXXX, and XXXX, and each time was assured I would receive this promotional benefit, but I still have not, and it is well past the XXXX - XXXX weeks they promised ( I received the card on XXXX ). 
This promotional benefit was the only reason it was worth paying the annual fee for this card ( and the whole reason I applied for it ). If I don't receive the " {$2500.00} XXXX XXXX '' promotion by XXXX, it is useless as XXXX are calculated on an annual basis and this promotion significantly impacts my XXXX total/status.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/year>, I transferred a payment from my checking account to my mortgage account at Chase for {$120000.00}. My balance as of yesterday was {$120000.00}. After making the payment, I tried to look into my account to see if the payment was made and found out that I was locked out of my account by Chase for suspicious activity. After I was able to get in on XX/XX/year>, I found out that only {$99000.00} was applied to the principal and the remainder of XXXX was unapplied. So, I called Chase and spoke to XXXX Escalation XXXX, the reason why my payment was split up was because I they claimed that it wouldn't pay off the account because I still owed {$120.00} ( {$81.00} for interest owed from XXXX XXXX plus a recording fee for the County {$46.00} ). I told him that I wanted the full payment applied directly to my principal and he said that it still will not pay off the account. He gave me options to pay the extra amount due and said that I can not make the payment of {$120.00} online and I can not pay it in the branch with a cash payment. Instead, I have to go the branch with a cashier check or wire transfer to pay the additional {$120.00} in order to pay off my mortgage. Regarding my payment XXXX said that it would take XXXX business to apply my payment of {$24000.00} to the principal ; however, he will reach to his team and ask if they can expedite the payment to the principal the next day but no guarantee. He said that he will reach out to me in the next XXXX days to let me know when the payment has been applied.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NJ)

I was supposed to receive a deposit via an ACH transfer from the Social Security Administration for {$2900.00}. It was processed on XX/XX/XXXX and paid XX/XX/XXXX. The funds were not deposited. I called SSA and they confirmed it was sent and gave me a XXXX digit trace number as proof. They told me to contact my bank. I did, Truist told me to wait another XXXX hours. I did. I called again on XX/XX/XXXX @ XXXX. The rep I spoke to would only tell me my account had no pending deposits. I knew that. I asked them to look up the ACH trace number to confirm it did not go the institution. The said they could not do that and referred me back to the SSA. The SSA just keeps saying it was sent and my bank should be provided info based on the trace number. Truist reps keep saying they can not do that.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

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 :
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AZ)

I applied for the income driven repayment plan XXXX and applied to consolidate my XXXX loans in XX/XX/year> with XXXX. My loans appeared to be consolidated and placed on the XXXX plan after applying. However, after consolidation XXXX my loans ( XXXX XXXX  consolidated unsubsidized, amount {$65000.00} with 7.5 % interest rate ) that was listed as XXXX was placed on the standard plan in which I owed roughly $ XXXX per month while the XXXX other consolidated loans on XXXX XXXX I did not owe money as my income was below threshold to pay. 

I tried calling XXXX multiple times in XXXX, XX/XX/year> to get the XXXX loan on the XXXX plan and they recommended submitting a paper application to re-apply for the XXXX plan. I did that and after XXXX days it wasn't processed. I asked them to place me in forbearance as I didn't think it was fair that the XXXX loan required $ XXXX per month on standard while the others which were in the same class required no payment given my income at the time. They put my XXXX standard plan loan on forbearance by my request in XX/XX/year> and it technically ends XXXX XXXX. 

I kept contacting them multiple times via online chat in XX/XX/year> to try and follow up on my XXXX plan application i submitted in XX/XX/year> and they said all income-drive repayment plan processing were placed on hold due to legal actions in the courts. I accepted that. However, according the the dept of education my loans should not be accruing interest which they are. 

I tried to reason with edfinancial via online chat and they kept telling me that my loans are subject to accruing interest despite what the dept of education has communicated. 

I believe my loan should not be accruing interest since I was placed in forbearance. Could you please assist me with filing this complain and helping to instruct XXXX to put me on a forbearance plan without interest accrual? 

Thank you, XXXX XXXX