davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

For over two months I have attempted to get escrow to perform an accurate escrow analysis. On XX/XX/XXXX a disbursement of {$7300.00} was made for insurance which eventually was returned as the correct disbursements were made in XX/XX/XXXX. Despite the money being returned, it was not placed in escrow. As soon as discovers the overpayment I contacted escrow to fix the issues. First, a request had to be made for the funds to be returned it took 7-1o days, Second, the refund was wrongly applied to a different account causing an other request 7-10 days ; it was only discovered after I had called, third wait till the funds clear on escrow ; again I had to call and figure it out instead of getting a called back, Fourth called to determine funds were in correct account but the person I called last would not elevate the call to management and would not request a new escrow analysis because rules said I was not entitled to an analysis despite knowing it was the mortgage company error. The last persons stated the would place a request a new escrow analysis and would be ready on XX/XX/XXXX. On XX/XX/XXXX I received a new mortgage statement and it does not reflect the correct amount as the analysis was not conducted as promised. My take is he never placed the request and do hated me because I have an accent, he seemed to purposely negated my requests. Conclusion, the bank should have discovered the error no later than 30 days after the check not clearing and when 3 other checks were paid out to cover the insurance expenses. An expedited review should have been completed once the refund had cleared the escrow account. An apology should had followed. Lastly, the employees who did not ensure an escrow was conducted should be fired.
Consumer complaint received 2017-02-21
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc ()

During many years I used to have several Paypal accounts under my name, a couple of them in the USA whereas the other ones were international ( XXXX and XXXX ). All of them were verified accounts with bank accounts and credit cards associated. Suddenly, and without any logical explanation, Paypal first restricted all of them and later ( XX/XX/XXXX ) closed them all after my appeals that Paypal denied. During this extenuating process, Paypal contradicted many times, gave confusing and illogical information, had a lot of prejudice and misleading data, fallacies of several types, etc. I am very aware MANY accountholders both in the XXXX and overseas suffered similar nightmares ( and many even worst as some websites report it! ). In XX/XX/XXXX and afterwards, I did try to obtain an explanation from Paypal by directly calling their number in XXXX, CA. However, not only I received no explanation or even some hint but also I had to put up with rudeness, unpoliteness and lack of consideration from the Paypal agents who " answered '' my calls. Speaking with the XXXX from XXXX, CA was useless as he stated he could not disclose any further details as towhy my accounts were closed. During XX/XX/XXXX year through the websites devoted to the thousands of complaints against Paypal such as http : //www.paypalcomplaints.org/ and XXXX I was able to obtain further details and I emailed XXXX, the XXXX of Paypal but never received a response ... In the same sense, I emailed several of the Paypal email addresses listed there but no response at all! The basic thing I deserve from Paypal is an explanation of what happened or what induced them to take the decisin of restricting and closing my accounts. When restricting and blocking my accounts Paypal opened several case numbers that I will provide.
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

After years and years of smooth auto pay payments, my payment was reversed and it placed my account into past due status. I have no idea why this would happen but after a little research I discovered this is not an unusual thing for Mohela to do. Id assume this is a computer glitch but Id like my payments to be considered on time ( they were ) and whatever reversal happened to be reversed back. Theres zero reason on my end why this would have happened.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (GA)

On XX/XX/XXXX I first noticed my bank account to negative for a charge of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I immediately filed a dispute for unauthorized transaction and requested a new debit card. 

I received the debit card in mail on XX/XX/XXXX and activated it, On XX/XX/XXXX at XXXX I contacted a representative at Current inquiring about the provisional credit due to Regulation XXXX and the dispute not being resolved and it was the XXXX business day. 

To my avail, the customer service agent notified me that I would receive a credit by end of day and that the resolution was not finished. And then spoke to another representative to notify me that it would not be issued until Monday despite Friday being the XXXX business day. I asked to escalate this issue. 

Upon calling at XXXX - XXXX had nothing still. No provisional credit or a decision. 

Once on the phone- I was told that the dispute was closed and lost. 
I had not received XXXX email or communication and it was not resolved prior to communication. 

I asked to know when, why, and to appeal to which I was told, the dispute team would reach out. 

They never did. 

XXXX business days and no notification or response is a violation. 

XXXX addition, this was in fact an unauthorized transaction that occurred resulting in my amount being drained to negatives as well as having to review my entire account and request a new card
Consumer complaint received 2015-03-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KS)

In 2014 I started an account with US Bank after being talked into it by a coworker, who said they were great. I started a checking and savings account with no bounce protection because I did n't want to spend money I did n't have in my account. However I was told by their employee about changing my protection to not have fees on the account by the mobile banking app. Just in case I ever was near over drafting, I went ahead and changed the overdraft protection in XX/XX/XXXX thinking I would be better protected but it changed my account type so much I got hit with XXXX {$36.00} charges. When calling customer service I was told I would need to speak to the rep that started my service ( who no longer works there ) and I told them this and they did n't care. I told my same story to a XXXX in management and she said I would have to ask the bank manager for reimbursement and if they had issues with that rep in the past then they would credit. If they did n't though, they would n't credit the fees. I was lied too by a rep and the bank refuses to do anything. I understand corporate policy, but you should take care of your customers too.
Consumer complaint received 2016-07-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (CA)

I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from Macy. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a citi gold checking account on XXXX 2016 in that I received the offer for " get XXXX Thank you points by opening citi gold checking account and make 2 qualify bill pay activity ''. I opened the required checking account and made required bill payments. However, when I call them again in XXXX and the citi bank customer service said I was not qualify for this promotion. Nevertheless, when I called in to open the account with the promotion, the customer service representative did not say I disqualify the offer. Now they refuse to give me the points.
Consumer complaint received 2024-09-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XX/XX/XXXX- Applied for the XXXX XXXX, XXXX forbearance when I lost my job. 
XXXX XXXX - Employed, called XXXX to stop forbearance plan. 
XX/XX/XXXX - Forbearance paperwork processed for XXXX year of mortgage payments, XXXX XXXX XXXX 
XX/XX/XXXX - XXXX making mortgage payments. 
XX/XX/XXXX- Told an investor buyout was occurring with my loan, nothing could be done per XXXX XXXX. 
XX/XX/XXXX - Called XXXX spoke with XXXX, she submitted request to stop forbearance plan. 
XX/XX/XXXX- receive letter from XXXX in receipt of my request to stop forbearance plan. 
XX/XX/XXXX- Begin working with a lender to sell house, was told the loan was modified and a second lien of {$150000.00} will be due. This partial claim far exceeds the XXXX year of payments discussed and agreed to with XXXX representatives ( approx $ XXXX ). 
XX/XX/XXXX - Called the XXXX XXXXXXXX XXXX XXXX, they see the second XXXX and agree the math does not make sense. Direct me to call XXXX to request a payment ledger and full audit of account. 
XX/XX/XXXX- XXXX XXXX for a payment ledger and submitted a fax to request audit. 
XX/XX/XXXX- Receive the ledger, XXXX large sums are swept in XX/XX/XXXX - XXXX  months after my call to XXXX to request the forbearance removed from my account. 
XX/XX/XXXX - Contacted the XXXX, they said they agree the math is wrong but XXXX decides the math, provides that number to the XXXX  and the XXXX paid the amount. They directed me to file a complaint with the CFPB- the amount for the partial claim far exceed the approximate {$46000.00} which would have been XXXX  months of payments. XXXX has yet to explain why there is a partial claim for {$150000.00} when the paperwork clearly states no late fees or penalties will be added. 
XX/XX/XXXX- receive a letter that XXXX has sold my loan to XXXX XXXX starting XXXX.
Consumer complaint received 2020-01-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Finance was notified in XX/XX/2017 regarding in error in the account status of not being late in a scheduled payment. I requested a review of the account and the clerk stated the account would be corrected and placed in good standing. As of this complain the error was never corrected and Ally report the status as late. Please remove this from the credit reporting report services. 

Thank You, XXXX XXXX
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

XXXX Reported I owed XXXX XXXX an apartment complex XXXX in XXXX XXXX. I had contacted the apartment complex to find out what this is about. I had lived in a single unit apartment XXXX from XXXX to XXXX. In XXXX before the lease was up I had adopted my two nieces and had to move to a XXXX bedroom XXXX. I was there until my lease was up in XXXX. XXXX XXXX is reporting i was evicted from XXXX when they just transferred me to another unit in the same complex. They never removed the collection account from XXXX.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (AZ)

I have XXXX credit card accounts with Barclay Bank : XXXX Rewards and Juniper. On XX/XX/XXXX I submitted a request for XXXX balance transfers to my Juniper credit card in the amount of {$390.00} and {$1400.00} because I am supposed to have 0 % interest until XX/XX/XXXX. However, the balance transfer was process with my XXXX Rewards Account instead of the Juniper account. I believe this was done intentionally as my XXXX Rewards account only has 0 % interest until XX/XX/XXXX. I contacted customer services and requested they fix the issue and process the balance transfers with the Juniper account as previously requested, but they are claiming there is nothing they can do. This is FRAUD. I did not authorize those balance transfers to my XXXX Rewards account. I do not understand how this is legal and okay. I am sick and tired of these banks trying to find ways of ripping of the consumers who keep them employed.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MA)

Discover is reporting inaccurate and incomplete credit information which is now negatively affecting my livelihood. 

OFFENSE 1 : Discover is reporting my account as " charged off '', however, I never received a 1099-C ( cancellation of debt ) which is a lawful requirement explained in the IRS 2021 publication if they are reporting a charge off.

The below paragraph is taken directly from the IRS 2021 publication : " The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. '' OFFENSE 2 : Discover is reporting grossly inaccurate consumer information.

Whether or not I receive a Form 1099-C from Discover, any cancelled debt must be reported as gross income on my tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes Discover 's reporting of my account inaccurate. 

Discover has a DUTY to report accurate consumer information under 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. The below paragraph is taken directly from this federal statute.

" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Discover 's failure to lawfully produce a 1099-C ( cancellation of debt ) document while reporting a canceled debt to the three major credit buries proves THEY ARE KNOWINGLY providing inaccurate consumer information.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, Account name XXXX : # XXXX XXXX Account name XXXXXXXX XXXX : # XXXX, Account name XXXX XXXX XXXX : # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

This company started contacting me on XX/XX/year> by email claiming I owe them a debt of {$72.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.
Consumer complaint received 2023-08-29
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. (AR)

My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and Equifax and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Consumer complaint received 2023-08-29
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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WI)

BMO Harris Bank has not adhered to its terms and conditions relating to the awarding of its {$200.00} savings account bonus paid to new BMO checking and/or savings account owners meeting certain deposit requirements. According to the bonus terms and conditions published and in effect when my account was opened on XX/XX/XXXX, the {$200.00} savings bonus is awarded when consumers open a new Platinum Money Market account and fund the account with at least {$10000.00} within 30 days of opening and maintain that balance for a period of 90 calendar days. As my attached money market account statements reflect, the account had at least a {$10000.00} balance from XX/XX/XXXX through XX/XX/XXXX ( 100 day period ). The terms state that the bonus will be credited within 150 days after opening or XX/XX/XXXX in my case. There is an additional {$100.00} bonus awarded when both this savings account bonus and a separate checking account bonus have been earned which has not been paid either, despite meeting the requirements and receiving the separate checking account bonus on XX/XX/XXXX. I have met all requirements necessary to receive the {$200.00} + {$100.00} bonuses including an opening deposit of {$5000.00}, funding to {$10000.00} within 30 days of opening, and being a resident of Wisconsin. My XXXX XXXX checking and Platinum money market accounts are open, in good standing, and have positive balances. I previously submitted an online secure message to BMO Harris on this issue and supplied them with the same info but have yet to hear anything back as of XX/XX/XXXX. I am hoping that by reaching out to the CFPB this matter can be addressed and resolved in a timely manner. 

Thank-you, -XXXX
Consumer complaint received 2020-01-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

We have retained an attorney for bankruptcy filing and advised Tower Loan and have also requested them to not contact us any longer. They were also advised to make contact directly with my attorney. They have continued to contact XXXX at her place of employment even after being advised not to call her at work. My attorney sent a letter advising of representation and for all contact to go through their office, yet they refuse to speak to my attorney and continue to call me daily. Their attorney, XXXX XXXX XXXX, sent a letter back stating they have not contacted me or XXXX since XX/XX/2019, but that is incorrect and continue to contact me and her at work and I have recorded phone calls to prove they are still calling me.