davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: KEYCORP (MI)

I recently refinanced my loans through XXXX XXXX. XXXX XXXX uses XXXX XXXX as the processor. XXXX XXXX disbursed my new loan to KeyBank, the holder of my student loans.

KeyBank   claims to have no knowledge of my disbursement from XXXX XXXX.

Both KeyBank and XXXX XXXX   use XXXX XXXX. XXXX  clearly shows the the disbursement was made.

I have been in contact with KeyBank, for hours at a time. The student loan call center is located in XXXX, XXXX. The staff has no ability to resolve my issue, and tell me that only one person -- XXXX XXXX, can fix my issue.

The call center will not provide me Mr. XXXX 's information ; nor will Mr. XXXX call me as requested.

This loan is still on my credit report. KeyBank has sent my co-signer seven letters. They are calling me for collections. They are reading me the collections mini-miranda.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NY)

So this is my complaint # 3 regarding Round Point Mortgage Servicing Corporation since i never gotten fully explained responses and provided numbers - only partial dismissive responses. 
So on XXXX I've sent following email to RoundPoint : Good afternoon, Mr. XXXX I just received the respond to my complaint to you and CFPB on my request to update the escrow monthly payment. Your respond contains 3 pages, The first page info that you DID adjust the amount from {$2800.00} to {$2800.00} per month.

The second page disclaimers The third page very general payment history.

You didnt send me detailed escrow analysis for which I asked in my complaint!

You didnt send me updated monthly Mortgage Billing Statement for which I asked! 
You didnt send me a check to cover the difference that I have overpaid in XX/XX/XXXX, which would be : {$2800.00} {$2800.00} = {$25.00}! 
I ask for the prompt respond to these 3 abovementioned requests, because ignoring my requests will prompt me to complaint yet again 3rd time to Consumer Financial Protection Bureau. 
Please correspond in writing so I have a copies of your responses if further need for such arises. 

XXXX XXXX loan # XXXX / complaint # XXXX Nobody contacted me with this letter which is no surprise considering their luck of customer service there. 
on XX/XX/XXXX I've sent the following email to RoundPoint : Good morning.

I did receive the new Escrow Analysis Statement, but TABLE 2 Escrow Activity History, on the back has just one line beginning balance - {$3900.00}.

I would like to know how did you get this number I do need the whole history printed from the beginning, from XX/XX/XXXX! I need to go thru the numbers. 
I still didnt receive the check for {$25.00} and no updated Mortgage Billing Statement Tomorrow is XX/XX/XXXX and I have to pay my monthly mortgage. So if I dont receive the requested papers by tomorrow and no manager/supervisor calls me with explanation ( please no customer advocate I need a manager ) I  will have to complain yet again to Consumer Financial Protection Bureau XXXX XXXX loan # XXXX / complaint # XXXX Nobody responded, so as I advised to RoundPoint - I'm sending yet another complaint to CFPB. I'm also getting prepared myself to consider legal pursuit since the mortgage servicer whom I did not choose to begin with, keeps ignoring my requests. 
thank you XXXX XXXX
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armstrong and Associates, Inc (AL)

I was an XXXX in the care and custody of the XXXX County XXXX XXXX. Transported to hospital XXXX City Police Dept. to XXXX XXXX. Refused treatment at said hospital for XXXX XXXX wound. Was informed I had no choice. Did not give consent to treatment not release of records. Had no knowledge nor seen documents attached. Did not sign promissory note nor was I informed or give a copy of said documents by XXXX XXXX. My only knowledge of this debt was when it was reported XXXX.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

The company is requiring a " cushion '' in my escrow account, which is causing the payment to be much less affordable. Per RESPA guidelines, the company is allowed to implement a cushion comprised of two months of escrow payments, but they are not required to do so. In order to pay my mortgage without undue strain on my finances, I have respectfully requested Wells Fargo waive the requirement as a courtesy. I was continually lied to on the phone by agents of Wells Fargo, who stated that the cushion was required under the law. I advised them this is incorrect, and that it is an internal business decision to require the cushion. My call was escalated to an escalation team, and after speaking with an agent named XXXX, was advised after no contact for two weeks that they flatly denied my request, providing no other reasoning other beyond " other servicers may have different requirements but Wells Fargo requires the cushion. '' I do not dispute that there was an increase in the amount of my escrow obligation, but the requirement of the " cushion '' is not federally mandated, and it is fully within the ability of the company to waive the cushion in order to better accommodate the needs of one of their customers. I have been nothing but respectful in my interactions with the company, and yet now they leave me out to dry. I need assistance so that I can continue to pay my mortgage. I am a first time homebuyer, but have years of experience in the mortgage industry, and it is shameful the way that Wells Fargo treats their customers, especially in light of their XXXX XXXX dollar settlement due to unfair practices. You'd think they would like to help their customers in order to raise their respectability in the public eye, but it turns out that is not the case.
Consumer complaint received 2018-08-01
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: BARCLAYS BANK DELAWARE (PA)

I received a call from " XXXX '' XXXX ( my computer security company )  telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for {$3200.00}. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. 
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. 
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. I received a call from " XXXX '' security ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for the {$3200.00} " credit ''. It later disappeared.

He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. 
He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. 
When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. MasterCard will not refund or credit the {$3000.00} back to my account because it was " Voluntary on my part ''.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (OH)

Originally I requested a written verification, which GLA Collections out of XXXX XXXX Indiana. They failed to provide such verification. So I contacted the billing agency of the hospital ( XXXX XXXX XXXX hospital, they said there was no such charge issued for XXXX $ Let alone sent for collection. So I called the collections agency and while trying to tell me the charge do exist they said they sent the original written notice to an address I have not lived in and I XXXX XXXX I havent had since a year prior. Meaning they have a false charge and refused to provide a written notice. I am able to retrieve the call from my carrier, and the company recorded it too.
Consumer complaint received 2018-08-01
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. (OH)

All 3 credit bureau 's but more so Experian in recent attempts to remove duplicated reporting. A charge off debt means the original creditor no longer owns the debt. It has been sold to a second party for collections. However it is reported as charge off from the original debtor it is not reported zero owed for some accounts. Any and all charge offs means sold so the balance owed needs to state zero owed to them as it is owed to the sold party collector. The bureau has not in a few attempts to correct it through the dispute process within the last few months of 2018. I also tried in an attempt to contact the bureau but have found no contact number to discuss with any employees.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Our house burned down, in XX/XX/2017 fires. Mortgage company is not releasing funds, and we may lose our builder, even though house is more then 50 % done. They won't let us talk to a supervisor, and they won't fix the problem. Why do they act this way?
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I made multiple attempts to complete my identification and dispute process with experian provided to me in an email ... 5 attempts on my phone, when i would complete all the information and get to the third window to submit the site would crash not allowing me to submit the needing documents ... after the 3rd time i found this to be suspicious so i took pics and attempted 2 more times on my phone coming to the same results the site crashing and i having to redo the entire process again... i then attempted to use my computer the site crashed again at the same window preventing submission... i took pics and tried 2 more times on the computer ... thats 8 attempts to submit the documents, not including numerous attempts certified mail documents with my id that i also have been mailing them for over a year i am frustrated with experian clear violation of 15 usc 1681i and their attempts to ignore the misuse and abuse of my credit report
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (PA)

Dear Consumer finance I'm having a difficulty due to having to change my phone number multiple times after being harrassed and threatened by my children fathers other baby mother 's and girlfriends ... moreover my phone battery was swollen and cell phone was also damaged I had to get a new phone the problem is that I had cash app linked to my phone a j prime XXXX XXXX XXXX phone and sue to having to switch phones I lost my app which my name tag for cash app is $ XXXX i also had problems because i forgot my passcode to my email address which is XXXX and all my information I also moved and had to update my address from XXXX XXXX XXXX XXXX, paXXXX my current address is XXXX XXXX XXXX XXXX pa XXXX My phone number is ( XXXX ) XXXX name that appears on my app is XXXX XXXX XXXX I'm currently not able to use my email address XXXX XXXX
Consumer complaint received 2018-08-01
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. (NY)

This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ], letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. 
In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. 
Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. 
As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. 
My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I filed disputes with the XXXX, XXXX and Equifax. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to me?
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (WA)

As per my attached diagram, I have shown that Amazon is showing misleading reviews in order to lure customers into a false sense of security about the Amazon Prime Rewards Visa credit card, issued by Chase Bank. 

1. The percentages of the reviews add up to 101 % - this does not make sense mathematically.

2. Amazon proudly displays the fact that they do not display actual averages. It does not indicate how the " top reviews '' are rated or how they " become '' the top review. 

3. The top review for the United States is in XXXX. 

I do not speak XXXX. At no point have I indicated to Amazon or Chase that I speak XXXX. This is not a browser location mistake - the review indicates that it was created in the United States. 

How can the top review for the United States be in XXXX? This doesn't make sense, based on the amount of reviews this card has, and the amount of reviews that are in English. If this review became the top review simply by being " liked '' then why are so many people in the USA liking a review they most likely can't read? 

4. The XXXX  review has multiple signs of being fake. I previously worked as a XXXX XXXX XXXX  XXXX  XXXX XXXX  and XXXX XXXX, with a XXXX XXXX XXXX  XXXX XXXX. I am also a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. And yes, I can prove this. 

Here are the basic signs that show this review is most likely fake, or was non-organically " boosted '' : 4a. The review is supposedly top in the USA but it's in XXXX. That's an automatic red flag. 

4b. The review is only 4 words. Bots and fake/paid accounts usually leave short reviews/posts in large amounts. I call this the " maybe one won't get taken down '' method. 

4c. The review doesn't actually say anything useful. At all. Obviously XXXX isn't a scholarly translator, but it's painfully obvious that this review contains no useful information. In my profession, we call large injections of useless information " spam. '' As a professional, I would absolutely flag this as spam on my websites.
Consumer complaint received 2020-10-12
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. (PR)

The below are a result of ID theft as reported several times before : XXXX XXXX Account Number XXXX The following inquiries have not been authorized or in any way done by my person : XXXX/XXXX  XXXX XXXX