davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A. (MI)

On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX  but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit. Citi bank has responded in saying that they needed more paperwork before they could take the money from the sub ledger account and transfer it back to my bank. I have confirmation that Citibank has received that paperwork. I am asking now why or when the money is going to be transferred/wired back to the sender? Now that all the paperwork and criteria they stated they needed in the last response has been meant they should be able to send the money back.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation (TX)

I read on the CFPB website that I could ask a collection company to verify/validate the debts that I see reported on my credit report. I sent the collection company a letter asking for the following : the full accounting on report, copy of the assignment or purchase from the creditor, detailed billing history including charges, interest, fees, and payments, how they calculated what they say I owe, If the debt was sold to any other agencies, proof that they owned the debt, and proof they were on the original contract that I initially signed. The collector did not respond after 45 days so I sent another letter asking them to verify/validate the debt again and again. They never respond and continue to report the debt on my credit report. According to the CFPB website a collection company has to verify/validate the debt to legally report or collect it. This company has ignored all opportunities I have given them and continue to violate my rights and the Federal Law.
Consumer complaint received 2024-08-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I had a mortgage with XXXXXXXX XXXX for a commercial rental property. 

The amount was {$150000.00}. I was using a XXXX exchange fund and only wanted to borrow {$80000.00}, but the loan was written and closed for {$150000.00} on XX/XX/24 acct # XXXX I made a payment for the extra funds that i did not want on XX/XX/24 for {$57000.00}. 


On XX/XX/XXXX, the loan was transferred to SPS ( Select Portfolio Servicing ) for the amount of {$93000.00} account # XXXX HOWEVER the principle amount shown with SPS was {$140000.00} on XX/XX/24. 

please note that in the time between the transfer i contacted both companies by phone to ensure the payments would be credited. I was not able to get an amount of loan principle balance until XX/XX/XXXX from SPS. 

I have called and contacted SPS multiple times and submitted banks statements showing payment, the statement from XXXX showing the amount transfered and statements from XXXX showing my balance. SPS has only responded that they are working on the problem. I have made 2 payments now, and they have still not responded except to send a letter stating that they need another month to fix the situation. 

I have called at least 10 times, 2x for 5 weeks, and can not get this issue resolved. I want the balance updated to the correct amount of Now SPS has sold the loan to XXXX XXXXXXXX XXXX XXXX, and the letter stating the transfer does not state an amount. 

I want the account to show the correct balance of {$93000.00} on XX/XX/XXXX, and credit for the interest of the difference plus credit for the 2 payments that I have made since then.. XXXX {$1500.00} XX/XX/24 & XX/XX/24 SO I now have 3 companies involved and can not get the payment that i made of {$57000.00}. credited to my mortgage since it transferred to SPS. 

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have emailed XXXX multiple times about this issue
Consumer complaint received 2023-12-06
Product: Credit 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 (AE)

I was charged by a company called XXXX XXXX XXXX XXXX {$1300.00} for an item that was only XXXX XXXX While traveling in XXXX. I disputed this with Capital one three times and the charge was reversed each time. I have asked to see what proof the company XXXX XXXX XXXX has provided but have not been shown any yet the charge keeps getting reversed with a statement saying they provided confirmation.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (PR)

This account with more than XXXX years in my credit history contains inaccurate information in the different credit bureaus, which does not reflect payment history or date of first delinquency, indicating that the account was sold in XX/XX/year> without including who it was sold to. This inaccurate information falsely minipulates the statute of limitations.I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XX/XX/year>
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

In accordance with the Fair Credit Act this creditor has violated my rights under USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can't furnish an account without my written instructions. Under 15 USCs 1666-B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Bank of China USA (NY)

My account was suspended because I didn't update my personal information on time. After I updated my information and uploaded all the files the bank requested, my account is still being suspended. Then I called the branch, and they didn't give me a clear answer about when my account could back to normal status. I waited for almost 7 days since I first uploaded all my files to request unfreezing my account. I still have more than {$2500.00} in this banking account, and I feel nervous because I really need to use it to pay my current rent.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Terrill Outsourcing Group (TX)

I previously filed a CFPB dispute against SUPERLATIVE RM on XX/XX/year> asking for proof that they had permission to pull my XXXX credit report. That CFPB dispute number was XXXX. 

SUPERLATIVE RM responded on XX/XX/year>. In their response they did not provide any of the information I had requested, nor did they address the issue I had raised. Instead, XXXX XXXX, the Compliance Manager, stated that she sent a direct response to me. This was a lie. I have not received any communications from her or SUPERLATIVE RM. 

If SUPERLATIVE RM does not provide proof that they had permission to pull my report, I will have no choice but to take further action. If proof is not provided through the CFPB, this will be accepted as an admission that SUPERLATIVE RM did not possess a lawful reason to access my report. 

Thank you and have a great day.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (FL)

I have Pay Pal accounts, I recieved e-mails saying that I bout XXXX currency on my Pay Pal account for {$200.00} on XX/XX/2024, next on XX/XX/XXXX another e-mail said I owed {$720.00} for XXXX XXXX On XX/XX/XXXX another E-mail for {$390.00} form XXXX XXXX. Each time I contacted Pay Pal and was told that they didn't get the money yet so they couldn't do anything. I told them to cancel my accounts then and they said wait I'll get a supervisor. She assured me the I would not be responsible if they did get anything. I opposed that idea because I would have to go through the XXXX. I told them to issue me new cards and change my account numbers, which they did. On the XXXX I recieved a letter form Pay Pal asking for XXXX XXXX to resolve this issue without any return phone number or agents info. Now today I recieved another bill now stating that I bought a XXXX inch TV for {$590.00} that will arrive soon. I have never responded to any of the letters.
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I've been having a very difficult time after my father XXXX XXXX its been very hard on me financially at the present time I'm also XXXX I've trying to explain this to my mortgage company I requested a mortgage assistance for my payments they have not responded I need my mortgage payments lowered to something I can afford to make please I need your assistance in dealing with my mortgage company.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (IL)

This company is reporting multiple late payments that are erroneous and unverifiable When I call them, they tell me that there is nothing that can be done. They leave me long times and promise for supervisors to call me back that never do. 

Staying on the phone for more than an hour I had let this company know that they were in violation of the federal law and they did not care one bit I let them know that 15 USC 1666B states the following : Section a states : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including information required by section 1637B of this article is mailed or delivered to the consumer not later than 21 days before the due date During my investigation, I asked everyone I came across if they could provide me with the tracking number of the periodic statement that was mailed or delivered 21 days before the payment due date along with the information required by section XXXX637B, They kept repeatedly telling me that there is nothing they are going to do I personally believe that the audio calls can be accessed from my call, well, showing up supporting evidence that this company is in violation of consumer laws, Specifically, the FCRA 15 USC 1681a, 15 USC 1681S-2, 15 USC 1681N , And timing of payments 15 USC 1666B I dealt with the following people XXXX Employee XXXX XXXX XXXX Employee XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you guys please help me to remove those inquiry because I never gave authorization to those bank to pull up my credit im already contact experience XXXX XXXX To help me with the situation, I even contacted Company nobody answered me
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Veem  Inc. (PA)

Had account for some time. Got paid yesterday to start a project for a client via credit card and they suddenly are holding the payment with no explanation. I have already provided all the documents they requested and got an email saying the account is approved for payments and still they won't release the funds my client paid me to begin work for them.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$11000.00}
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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/XXXX
Consumer complaint received 2023-12-03
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: LAKEVIEW LOAN SERVICING, LLC (TX)

Loan XXXX had a system breach and we cant get in the system. Weve reached out to no avail. Once the system came back up it shows a huge balance that is inaccurate. Weve tried calling and sending emails with no response. Weve been making payments every month and shouldnt have a balance at all.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (TX)

Dear CFPB, I am writing to file a formal complaint against CONSUMER ADJ Agency for their repeated violations of my consumer rights. 

CONSUMER ADJ Agency has failed to provide me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, they have proceeded to place a collection on my consumer report, depriving me of the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). 

Furthermore, CONSUMER ADJ Agency has engaged in false, misleading, and deceptive practices. They have furnished information to consumer reporting agencies without providing the required disclosures mandated by 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I am disputing any and all debts to CONSUMER ADJ Agency and revoking their right to contact me through email, text, or phone calls. 

I am requesting the following : Debt Validation and Verification : Please provide me with clear and verifiable documentation that I owe the debt to CONSUMER ADJ Agency. 
Purchase Agreement : Please furnish a copy of the purchase agreement between CONSUMER ADJ Agency and the original creditor. 
Licensing and Bonding : Please provide proof that CONSUMER ADJ Agency is licensed and bonded to operate as a debt collection agency. 
My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Account Number : XXXX I request that you investigate this matter promptly and take appropriate action to protect my consumer rights. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has refused to remove the delinquent status of a closed account. An account that was closed over 4 years ago! 
They have repeatedly harassed me and will not remove this fraudulent claim which has affected my ability to get credit and re-finance my home for 4 years!
Consumer complaint received 2024-08-23
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

On or around XX/XX/year> I received two letters from Wells Fargo stating that two accounts had been opened in my name. I have never opened an account at Wells Fargo bank. On XXXX XXXX XXXX  my XXXX XXXX XXXX prepaid XXXX XXXXXXXX card was used at Wells Fargo ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXs without my authorization. I have never used my XXXX XXXX XXXX prepaid card at a Wells Fargo ATM nor have I ever made inquires at any of Wells Fargo bank locations. I have never had an account with Wells Fargo bank. After inquiries were made at Wells Fargo ATM 's money was taken out of my XXXX XXXX XXXXXXXX XXXX  XXXX account. I have documents showing that on XXXX XXXX XXXX inquires on the same date in XXXX XXXX and XXXX XXXX were transacted at close time frames.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE ()

Good afternoon. First of all, I want to tell you the situation that happened to me. 
XXXX XXXX XXXX XXXX XXXX sent a payment to XXXX. The correspondent bank was BNY MELLON ( XXXX payment will be attached to the letter ). My bank XXXX was sanctioned and, accordingly, my bank 's correspondent account was frozen and the money did not have time to return to me in XXXX. We wrote a letter to BNY MELLON bank, they replied that the funds were not blocked ( I attach the letter " response from BNY MELLON ), I check with my bank XXXX, they say that the funds are blocked by OFAC. I write an application to OFAC, I wait 2-3 months and I receive a message that the funds are not blocked ( I attach the letter " OFAC response '' ). 
As a result, it turns out : BNY MELLON writes that the money is blocked and is in the correspondent account of XXXX. 
XXXX writes that they do not have money and they are blocked, write OFAC / OFAC writes that they do not see money among the blocked funds. 
I ask you to help me find funds, as I can not communicate directly with BNY MELLON, and XXXX Bank does not take any measures. 
I really need your help.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

On XXXX2024 I was charged a {$900.00} dollar interest fee on a store card provided by XXXX XXXXSYNCHRONY BANK. The Account was closed by SYNCHRONY BANK without my consent or knowledge. I continued making monthly payments on the balance {$1000.00} as of XXXX24, however when I called to pay the XXXX bill it had escalated an additional {$900.00}. I have never been charged a high interest amount from SYNCHRONY BANK before, this particular affiliation with this store XXXX located in XXXX NC is where the issue is, and which merchant handles SYNCHRONY BANK ACCOUNTS.