davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have tried to get pay pal to delete my old checking account information and replace it with my new bank account information ... they refuse saying that I opened the account with my old checking account info as my primary. I have explained to them that it is normal in the course of several years to switch bank accounts. So now they are charging my transactions in which I am unable to select the account myself automatically to my old checking account. I have been charged 5 NSF fees in the amount of {$35.00} each. I tried to call to have this resolved and spoke to 3 different people. The last was an escalation rep XXXX that told me since XXXX XXXX covered the charges I must have had the money in the account. I tried to explain to her that yes, they paid it but they charged me a fee for doing so. She refused to assist any further.
Consumer complaint received 2017-06-28
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: CITIBANK, N.A. (VA)

On Saturday XX/XX/XXXX, I received a text alert from Citibank asking if I was trying to make a certain charge on my credit card. I responded NO and was directed to call a certain phone number. On the ensuing phone call, the agent informed me Citbank would be closing the account because of this fraud and sending me a new card. <P/>The following week, I was able to login to my account online and see that there were additional fraudulent charges. I contacted Citibank and informed them of this additional fraud. <P/>1 )XX/XX/XXXX XXXX USD XXXX CA {$320.00} Reference # XXXX 2 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX I have made repeated phone calls to Citibank over the past 3 months. I was told at first that they were investigating these charges and not to pay these amounts or any related interest charges as they would all be reversed at the end of the investigation. I was more recently told on at least 3 occasions that these charges would be removed from my account and I would see the credit on my next statement and the credit would not appear on my online account until the statement had been run. I have now received my 3rd statement that was supposed to have these charges removed and the charges remain.
Consumer complaint received 2017-06-28
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. (FL)

To who m it may conc ern Good day i have a ongoing situation from  XXXX  of  2017  going on with Experian they refuse to delete collections off my report they keep returning as factual when i dispute them that is not fair to a person who is going thru identity theft i sent letter to them on  XXXX   XXXX ,  2017  as Certified mail and copy of my police report and i just keep getting the same response i also send letters to the collection companys and no reply how do you all verify this debt and i havent recieve no validation, this is preventing me to establish credit. And had to place a security freeze and fraud alert on my Credit Report The collections are :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   ( They are   XXXX   )  XXXX    XXXX   XXXX   Hard Inquirie is on there that i did not give no permission to run my report company name  XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

SunTrust  Bank debited my mortgage payment account {$17000.00} on or about  XXXX   XXXX . They reversed mortgage payments that I had made in  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  on my loan. All on time and without incident. They took the money without my consent and used to pay a legal settlement they entered involving a bankruptcy trustee that had sued SunTrust for payments they accepted on my loan six years ago. Without my knowledge and without me ever being a party to that lawsuit, they settled the matter and used my money to pay for it. They intern filed a foreclosure suit saying that I was three months past due  (  the payments they reversed ) and would n't accept any future payments. The whole time I was paying timely on my loan. They basically stole three payments from me to resolve a legal matter that I was n't in.     I was forced to hire a lawyer to defend the foreclosure and eventually settled the matter by paying  XXXX  back as settlement for the  XXXX  they paid to the bankruptcy trustee. I also had to make all the payments that were due from  XXXX   XXXX  through  XXXX   XXXX . They received and cashed all the payments that were required in the settlement and yet now they are refusing to accept my  XXXX   XXXX  &  XXXX   XXXX  loan payments that have been sent to them via federal express each month. On  XXXX   XXXX ,  XXXX  I received a notice of default saying that I owe the  XXXX  payment and any subsequent payments, all that I have made to them and confirmed that they received.      Suntrust  has refused to live up to their end of the settlement and is now threatning me again to take my house. I do n't know what else to do. They must be stopped.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

We applied for a mortgage refinance loan with Citibank loan agent is XXXX XXXX with Citibank N.A His NMLS id is XXXX. After getting the loan application and all conditions over to XXXX we were first going to get 3.5 % rate for 30 yrs fix and no closing cost ( no points, no cost ) Loan and XXXX XXXX came back to us stating that he would not be able to deliver it as our loan needed exception so we insisted we need to communicate with his supervisor/manager thats when we received a call from XXXX XXXX XXXX who explained why the rate of 3.5 % was going to be with cost based on this we initiated a change to XXXX Arm rate of 3.375 % with 0.875 % in lender credit and this was confirmed by XXXX XXXX and we have received communication from Citibank re this change and GFE too. 

we had made very clear to MLO XXXX XXXX and XXXX XXXX XXXX that we would only spend for the appraisal once we have conformation from them that only condition left is the appraisal and so we did the appraisal too. 

I fail to understand that in such highly regulated lending regulations how can a MLO play with us and waste our time and money with confidence that he would get away lying, deceiving and misleading every step of the way. 
As of XXXX XXXX/XXXX/2015 we received an email from MLO XXXX XXXX saying that Citibank has switched us back to 30 yrs fix rate with cost and this is after we had confirmed that we were ok to proceed with XXXX Arm rate so we deiced to pay for the appraisal. 

we have wasted our time Money and all we are getting in the email from XXXX XXXX is disrespectful emails and threats that he will not do anything on our loan at all, because i wrote to him and his manager how we feel that we have been lied to. 
i call this Bait and Switch or booth closing loans which this MLO is doing with us. 
My Name and information isXXXX XXXX loan # XXXX XXXX XXXX XXXX, CA XXXXMy email id is XXXXXXXXXXXX direct # XXXX
Consumer complaint received 2024-11-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hood & Stacy, P.A. (AR)

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) obtained a Garnishment ( XX/XX/XXXX ) order but failed to properly served notice to me because they had my incorrect address. On XX/XX/XXXX XXXX XXXX  garnished 100 % of my direct deposit ( paycheck ) leaving me with no money to feed my XXXX kids and leaving me unable to provide basic needs for my family for the following XXXX weeks. Hood and Stacy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX also represent XXXX XXXX XXXXXXXX ( XXXX which had my checking accounts ) .Garnishment was sent directly to XXXX XXXX  XXXX of my employer. It seems like XXXX XXXX provided inside information to Hood and Stacy as of when I got paid and amounts and that is how they garnished 100 % of the balance of my XXXX on the day I got my paycheck. Neither Hood and Stacy ( XXXX, AR ) or XXXX XXXX were concerned about leaving us with no funds for basic needs. Hood and Stacy did not do due diligence on process server or made any attempts to contact me to settle this debt before preoceeding with garnishment. A detailed investigation in this matter would be recommended to prevent this type of predatory practices to consumer that are trying to survive and make meets end.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX, 2017 CFPB : Today I tried to initiate the XXXX Mortgage Prequalifying Process. JPMChase Website said " Welcome to Chase Home Lending ''. The Software put me into a loop, where, five ( 5 ) times, I entered the same information without progressing. I have been a JPMChase Customer for over forty ( 40 ) years. That the Software trapped me in a loop shows utmost Disrespect for me as a Long-Time  Customer. I demand that JPMChase prequalify me for a Mortgage Loan of not less than {$300000.00} USD. <P/>Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX
Consumer complaint received 2017-06-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Total Finance AC LLC (IL)

I purchased a used vehicle from XXXX XXXX in XXXX, IL. around XX/XX/XXXX. A week after the purchase I came to realized that it is a Used Lemon vehicle. The vehicle has been serviced by their auto mechanics 4-5 times in regards to the same issue ( Engine and Cooling system ) and had to pay {$350.00} deductible each time, it has been address to the company 's customer service along with the Finance Company ( TOTAL FINANCE, LLC. ) and the person and his manager that sold me the vehicle. I have already invested a little more than {$4500.00} in repairs for the same issue. It was sold to me at an interest rate of 29 %. Well getting to the issue, I have been trying to get in contact with the finance company ( as of XX/XX/XXXX ), to do a voluntary surrender of the vehicle, I already explained that I can no longer afford the vehicle payments and also can not afford to be making more repairs. They have been refusing to talk to me, after leaving voicemail messages to contact me, but have been calling my wife 's cell phone non-stop and also sending her text messages, and even threatening her that they are going to get a hold of her social security number to garnish her wages. She ( My wife ) was also told that they are not even interested in doing an voluntary surrender. As of today, she has received 5 phone calls from the company and so far 1 text message. The XX/XX/XXXX information clearly states that I 'm currently the 7th owner of the vehicle, and the rating is XXXX, the vehicle is only worth less than a {$1000.00} for trade in or to sell. My payment was due on XX/XX/XXXX, I 'm only 10 days late.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My auto-debt amount was change without my permission. I had agreed to an auto debt amount of {$220.00} for my student loans, and this was taken for 5 years straight. Then it was lowered to {$140.00} with out my consent. When I contacted the company, they informed me that the account had been routinely audited and that my current payment would lead me to overpaying the loan before the loan due date. So they lowered the auto debt amount that i originally sign up for. This caused me to pay more interest on my loan. When I called them to get it changed back and to get a reason, it was extremely difficult and time consuming. Not to mention that the only notice I got was at the bottom of an email, and I did n't catch the change for months.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Hello. For my XXXX  loans, I owe just over {$14000.00} through the servicer XXXX. They recently transferred loan servicing systems. Because of this, my XXXX  loans are now showing twice on my Equifax credit report. I have disputed this with them, however, the dispute is closed and the problem has never been resolved. My credit report still shows an incorrect amount of over {$28000.00} in XXXX  loans. The old accounts that were closed and transferred need to be shown that way on the credit report to fix the issue.
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM BECOMING VERY ANGRY WITH THE LENDER AND TRANSUNION!!!!!!!!!!! 
I HAVE BEEN SUBMITTING THIS ACCOUNT FOR OVER THREE MONTHS GOING ON FOUR THIS IS RIDICULOUS AND IS DESTROYING MY CREDIT HISTORY! I AM DEMANDING REMOVAL I WILL NOT LIE ABOUT PAYING A VECHILE OFF. THE CAR WAS TOTALED AND I PAIDED THE BALANCE. IF THIS ISN'T REMOVED FROM MY CREDIT REPORT BY THE MONTH OF XXXX I'LL BE FORCED TO TAKE FURTHER ACTION BECAUSE THIS IS ILLEGAL TO HOLD SUCH ACCOUNT AGAINST ME WHEN IT HAS BEEN PAID.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (VA)

This is a written dispute regarding a previous credit card and private school account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. I had previously contacted the company directly without success, as well as having reported this exact complaint to XXXX but no action was performed. 

Chase Bank USA : 30 days past due in XXXX 2012. This was a standard credit card account through XXXX XXXX. I was scheduled to receive electronic statements monthly ; unfortunately, I would not receive the emails as scheduled, having happened multiple times while my account was active. I spoke with customer service regarding this on multiple occasions, having been assured any glitch was rectified, of course them deferring the blame to me for simply disregarding the email or not be responsible, which I then argued to review my history of payments. Upon realizing I was overdue, I immediately paid the total charges, in turn they reimbursed me the {$25.00} late fee. I have copies of the XXXX and XXXX statements representing this. I have since closed the account due to not wanting to deal with what I believe is deliberate maneuvering.
Consumer complaint received 2024-10-01
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. (AZ)

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus i did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
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
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (OH)

There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go no response.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC. (VA)

I disputed a charge of {$140.00} on my SunTrust Credit Card. I completed the paperwork sent to me by the SunTrust Fraud Assistance Unit, which included a detailed explanation of why I was disputing the charge, and supporting attachments. I mailed and faxed the documentation to SunTrust XXXX ( XXXX ) times, but kept getting the same letter saying that I needed to provide an explanation of why I was disputing the charge. I called SunTrust Fraud Assistance XXXX times and each time I was told that they received my paperwork and they did not know why I was sent the last letter. On XXXX XXXX, 2015, SunTrust Fraud sent me another letter stating that they had closed my case because I had not responded to their letters. I called again and told them that I had mailed and faxed the information to them XXXX ( XXXX ) times and followed up with phone calls. Each time I called I was told that the paperwork had been received. On XXXX XXXX, I called again to protest the closing of my case and demanded that they reopen it. SunTrust Fraud Assistance has not taken the time to read and/or investigate my dispute. They summarily closed my account. I have right to dispute a charge on my credit card account which I did not request, authorize or agree to.
Consumer complaint received 2017-06-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (SC)

Coinbase recently moved to a account confirmation process that requires either a webcam or smartphone to complete. I have tried using both and I can not get the ID verification to work. ( Note that I already was approved for the exchange and using Coinbase regularly before this new procedure was implemented. ) As a result, I can not buy or sell virtual currencies I hold via the Coinbase exchange. I have tried every alternative I could find, but the only Coinbase support readily available is a bot that spits out canned answers that do not fix the problem. I have made three requests to speak with a human who can get me back online, and I have had no response. There are many other problems with Coinbase as well  -- they are apparently overwhelmed and the site goes down all the time -- but right now I just want access to my account so I can liquidate my holdings there.