davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

In XXXX of XXXX I filed bankruptcy due to falling behind on mortgage payments. US Bank increased my payments almost {$200.00} without an explanation. Whenever I called the bank NONE of their employees were educated on the tax process and how this could have happen.I made several attempts to contact US Bank to resolve prior to filing, and each time I spoke to multiple employees who NEVER provided the correct information. I was able to successfully bring my mortgage current and have attempted since to stay on time with my payments. Unfortunately US Bank is making it almost impossible for me to make my payments on time. If I call in to make a payment they will charge an {$11.00} fee. when I asked for another option I was told I can go online and make a payment. when I log into the main website for US bank it provides the correct information. Once I select the option to make a payment it automatically directs me to an alternate website that states my loan is delinquent and they will not accept payments on my loan at this time via the online payment method. MY LOAN IS NOT PAST DUE When I called and provided this information to a representative, the rep advised that I would have to send a letter stating I accept the receipt of e-statements. E-STATEMENTS HAVE NOTHING TO DO WITH MAKING A PAYMENT ONLINE. I'm also already enrolled in E-STATEMENTS I sent my XXXX and XXXX payments to US Bank via my XXXX XXXX XXXX bill pay. US Bank RECEIVED the XXXX payment on XX/XX/XXXX and the XXXX payment was RECEIVED on XX/XX/XXXX neither of my payments have been updated. My loan is showing due for a XX/XX/XXXX payment. this is incorrect and when I called in I'm being told US Bank is not showing proof of payment. Although my loan was DISCHARGED in  Bankruptcy, US Bank sent me an email requesting PAYMENT for XX/XX/XXXX. Clearly in violation of my rights after having this loan discharged in a  bankruptcy. Yet they are using tactics to garner fee income. I wish my loan was still with the original lender XXXX XXXX XXXX and was never sold to this TERRIBLE XXXX COMPANY.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have had this loan for several years. I sold the home in XX/XX/2018. I had an impound account with approx. {$3700.00}. DiTech Claims they sent the check last XXXX ( 2018 ). In XXXX, I contacted them to let them know I have not received it. I have contacted DiTech at least 5 times over the last two+ months. I have promises to refund 7-10 days with no results. At one point they say their bankruptcy prevented them from reimbursing me. I have now had two supervisors promise to do an automatic deposit within 3-5 days ; both have failed to deliver. I just want MY money which I believe was held in a fiduciary relationship. Can you help me get my money?
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Hello, My name is XXXX XXXX. I am XXXX-year-old XXXX person. 
On XX/XX/2019 the XXXX XXXX  customers were transferred to the People 's United Bank. I had a free checking in the XXXX XXXX  and as an elderly person should have a free checking in the People 's United Bank too. On XX/XX/2019 I notices {$3.00} charge as service fee from my free checking. I wrote a message to the customer service of said bank and they said that every time when I use my debit card to pay bills online they will charge {$3.00} service fee for each transaction. Why should they charge any fees for debit card payments? Please see their answer to my email as following : Thank you for contacting us. In response to your inquiry, there is a {$3.00} fee for each Network Bill payment processed against your account. This appears in your account history as a NTWK BILL PYMT DB and was debited on XX/XX/2019 for {$38.00} from XXXX. 
Network Bill Payment is used by merchants when you have provided them with your XXXX card number for payments. 
You may wish to speak to the merchant directly in regard to how they process payments.

Although you are qualifying for free checking, ( this only waives the {$10.00} monthly maintenance fee on your Plus Checking account. It does not waive these types of fees. 
To avoid this fee, you may consider converting your account to an Advantage Plus Checking account. You would also avoid this fee if you make your payment via Peoples.com Online Banking. 
I am sorry, but because this fee is valid, I am unable to submit a refund. If you have any further questions, please let us know or contact us at XXXX. 
Thank you, XXXX
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

In XXXX - XXXX My account ( identity ) was compromised. I tried to contact creditors and explained but they didn't listen me and provide any proof and gave to collection agency. I am really tired and gave up. Please help me.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2019-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is the second time I have filed a dispute on my capital one credit card. Both disputes have been mismanaged by the bank. Each time I file a dispute, Capital one never sends out the mailing showing me the provider response nor telling me the deadline to submit information to prove my portion of the claim. This time I filed a dispute on XX/XX/XXXX against the XXXX XXXX for {$6700.00} of a {$7000.00} purchase. The amount was credited back to my account but debited once the merchant sent capital one a response. I never received that response by mail to this day although Capital one claims it was sent to me. That mailing was to also tell me the required documentation for my response. Since I didnt receive the mail, I called capital oneover the phone to get that information. I gathered all documentation and evidence as required by capital one including a second opinion from a doctor. I submitted all documentation before the deadline of XX/XX/XXXX. I called capital one on XX/XX/XXXX and confirmed that all necessary documentation was received by Capital one. I confirmed several times after for the next month with different representatives that nothing else was required. Capital One maliciously closed my dispute stating that they did not receive my documentation on XX/XX/XXXX. They are participating in bad business practices and protecting unethical and scam artist merchants.
Consumer complaint received 2019-04-03
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. (NM)

XXXX XXXX - XXXX is reporting on my credit for a debt I do not owe. I am unsure who XXXX XXXX is nor have I ever done business with them. This is not mine
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/2018 an Inquiry was on my credit report, I called consumer portfolio services and they told me to call XXXX XXXX. I called XXXX XXXX and spoke with XXXX the finance manager and he told me that my son told them it was ok to run my credit and they did it, I told them they was not allowed to run my credit with out me being available, and he told me that as long as he told them it was ok, that can run it, this is unfair
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. Auto finance company previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. Auto finance company has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, auto finance company reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX auto finance company had previously been reporting to XXXX a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX auto finance company has added 6 additional late payments to my XXXX  file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX auto finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX auto finance company has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX auto finance company had previously been reporting to XXXX  a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX auto finance company has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. Auto finance company is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

My XXXX/XXXX Visa Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX   Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.
Consumer complaint received 2019-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

I am trying to work with PNC. They are impossible to work with on my home equity line of credit. First and foremost, this loan was put into bankruptcy. I tried to call them numerous times in order to get a statement. I never received statements from them, and all of a sudden I receive a statement for XXXX plus dollars. I paid them XXXX a month for over 7 years, because they never stated what they wanted to be paid. 
I called them and asked for a hardship package. They sent it to me. I filled out the paperwork, and almost IMMEDIATELY, they send me a letter saying my line of credit is charged off. Even though after the bankruptcy they sent me an astronimacal amount to pay. They never give me any statement, even when I go into the bank to pay. 
Every other bank sends consumers statements stating that this statement is for INFORMATIONAL PURPOSES only, but they won't give me anything. 
Finally, on their application p 13/17 I authorized XXXX XXXX to speak on my behalf. Of course, when she calls, they tell her she is not authorized to speak. What is the purpose of having this page if no one even acknowledges that the person is authorized and they have to spend 20 minutes trying to get someone to speak to her.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MD)

My home mortgage was sold by XXXX XXXX to XXXX XXXX. Since that time the company has changed its name twice. ( XXXX XXXX and now NewRez ) In XX/XX/2018 I paid my mortgage through XXXX XXXX 's online Banking program on XX/XX/2018. XXXX XXXX said they didn't get it. XXXX XXXX cancelled the payment and made a new one. They also sent a letter to XXXX XXXX saying it was not my fault. XXXX XXXX then sent a second notification when XXXX XXXX tried to assess me late charges. XXXX XXXX took off some of the charges but left on some charges and reported a late payment to the Credit Bureaus. As of XX/XX/XXXX, my credit report shows a late payment. 

In addition in XXXX,, on XX/XX/XXXX, XXXX XXXX said they had not received my payment for XXXX, although XXXX XXXX said it had gone out on XXXX XXXX not taking any further chances, I borrowed money and made another mortgage payment by phone. On XXXX, they acknowledged receiving the first payment as well as the second phone payment. 
I think there is something wrong with their whole payment system and they are using it to get late fees. I am FAIRLY SOPHISTICATED about finances but this is intolerable. I had no choice when XXXX XXXX sold my mortgage but I think they bear some responsibility for selling my mortgage to a XXXX   outfit, as well.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

To CFPB bureau. 
My name is XXXX XXXX Address : XXXX Phone number ( XXXX ) XXXX As a Victim of the untrustworthy crytpo currency trading service of COINBASE Website https : //www.coinbase.com Mailing Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Ive been using the Coinbase app to start doing some business regarding to crypto currency trading. 

At first the holding fund status of my account is 18 days ( too long??? Fraud??? ) instead of 5-7 days like what written is terms and conditions on their website. 
And I am not the only one ... .... 
Lately I found out there were targeting specificly US customers Search on google I found out there was thousands thousands of complaining about COINBASE BEING ROUGE, empty customers banks with hidden fees charge, using incorrect exchange rates, holding fund for 1-3 months to stealing our hard work money, causing frustration and return our emails with the same methods were working on it please be patient. 
To me its like were stealing your money in front of your nose, so what! 
I have {$490.00} crytos in my account with coinbase. 
Later on I did the calculations with all of my transaction and found out I lost merely {$60.00}! Which is impossible 1/Every {$100.00} trading into XXXX XXXX I lost {$27.00} not {$3.00} like they said I did at least 32 transactions from $ XXXX {$3000.00} each Time the amount Never match EVEN I INCLUDED THE TAX and THEIR SERVICE FEES. 
the difference around 7-17 % consider how much they scam from people. 
1/ holding for 18 days, they said to prevent fraud, however they took the money from my bank a second they received the order. 
And release them whenever they like? 
18 days for me, some folks got 2 months This is an act of criminal, agains customer free will Acting like a big guy with the cryto fakes Please, take a look of my complain letter, do the investigation, return justice to the US citizens. 
LET MAKE SURE COINBASE IS PURNISH. Their company deserve jails, and I know they rich enough to pay for every fees. 
Lets game on Best regard
Consumer complaint received 2019-04-02
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (AZ)

I had items put through for payment, even when ny account was in negative. I have 5 overdraft fees at {$35.00} a piece. This is excessive and asinine. Due to the fees, I wont be able to pay rent and will be evicted
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Experian, and XXXX  are reporting unverified collections accounts on my credit profile. I have no contract with any of the listed creditors below. I was not provided any existing contract or proof of this account belonging to me. 

XXXX XXXX XXXX Last reported : XX/XX/2019 {$1500.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1100.00} XXXX AND XXXX Last reported : XX/XX/2019 {$1000.00} XXXX AND XXXX Last reported : XX/XX/2019 {$730.00} XXXX AND XXXX Last reported : XX/XX/2019 {$710.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$600.00} XXXX AND XXXX Last reported : XX/XX/2019 {$500.00} XXXX XXXX XXXX Last reported : XX/XX/2019 {$160.00} XXXXXXXX XXXX XXXX Last reported : XX/XX/2019 {$160.00}
Consumer complaint received 2019-03-05
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: Resurgent Capital Services L.P. (TN)

Resurgent Capital Services/ LVNV Funding LLChave expired/do not possess a valid license for Debt collections in the state of TN.
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

Chase Sapphire Preferred card includes a roadside assistance benefit. I had an auto breakdown on XX/XX/11 and sought to use this benefit but was denied. 

The breakdown occurred outside of cell phone service. I had to hike to a yellow box emergency phone operated by the California Highway Patrol. The emergency phone was able to connect me to a tow company but could not connect me to Chase customer service to notify them that I was accessing the benefit. 

I paid the tow company {$360.00} out-of-pocket ( charged to the card ) with the expectation that I would be able to file for at least a partial reimbursement of the cost. When I contacted Chase to do this, they informed me that the benefit only applies if you contact Chase in advance of the tow. This was not possible in my situation. 

Chase does not qualify the benefit language by specifying that the benefit only applies when a car is traveling in an area where cell phone service or a pay phone is available. 

I called Chase and spent an hour on the phone trying to resolve this. In the end, however, they bewilderingly instructed me to contact the towing company for a reimbursement. The towing company does not owe me anything and is under no obligation to reimburse. Chase, however, is.
Consumer complaint received 2019-03-05
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: EQUIFAX, INC. (CA)

I have contacted Equifax for over a year now trying to get my bankruptcy discharge reported accurately on my report. I have sent in multiple copies of my discharge papers and identification. Equifax has repeatedly updated errors and created new ones. The latest errors created were for the following creditors : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Bank XXXX of Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various supposed disputes investigated by Equifax they have created errors on each of these accounts and are now reporting information that is completely fraudulent. All of these accounts were included and XXXX in my Chapter XXXX bankruptcy. I have provided the schedules ( which totaled over XXXX pages ) and the discharge papers as proof. Equifax will update the information as XXXX and then revert back to reporting erroneous information on each account every few weeks. I have asked for a thorough investigation and to cease reporting the fraudulent activity. I have contacted the creditors who confirm having received bankruptcy discharge status. To date Equifax has provided no investigation and have not updated anything accurately. I am only asking for my credit report to report accurate information, which is that the above referenced accounts were XXXX. They even went so far as to create an additional account under the creditor XXXX XXXX. To which I again asked why and to provide details so that I may sue the creditor. Equifax has not provided anything and when I contact that particular creditor I have been hung up on several times. This is beyond infuriating and the next step is a lawsuit with damages included. THESE ERRORS HAVE CAUSED ME TO BE DENIED HOUSING AND EMPLOYMENT for over a year. I have attached the discharge papers here as well so that you can see these accounts were XXXX. As an aside please note the XXXX XXXX XXXX XXXX is listed under several different agencies at this point, all of which were XXXX. XXXX XXXX XXXX XXXX was the original creditor and the original account was 15 years ago and NOT raged at all. But Equifax has placed an entirely erroneous information under the creditor name.