davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (CA)

Absolute Resolutions Corporation/ Absolute Resolutions Investments LLC has been harassing me since May by sending agents to my home to serve legal papers for someone who does not live at this address. Despite repeatedly informing them of this, they have continued to send agents, which has caused me to fear for the safety of my family. 

On several occasions, agents have arrived while my children were playing outside or when we had guests over. They have asked my guests and my children about the individual they are trying to serve. One agent even came by after XXXX ( XXXX ) on XX/XX/year>, approaching my open garage. This violates the FDCPA. There have been XXXX attempts in total, and each time Ive asked the agents to stop coming because I can not assist them. The consumer laws have constantly been violated by this company and FDCPA needs to be notified of these practices. 

The most recent incident occurred on XX/XX/year>, at XXXX, when a Caucasian male knocked on my door asking for this individual. I informed him again that I do not know the person and warned him that if they returned, I would take legal action. To my shock, the agent left the persons personal documents on my car. 

I find it unacceptable that this company is sending agents to the wrong address and leaving sensitive information behind. This information included a summons for court with my address ( incorrect address of the person ), the person 's name, and the personal contract between the person and the company. I would be livid if a company just left my personal information on a random car, especially because someone could use the personal information to commit fraud. I have tried contacting Absolute Resolutions Corporation to inform them, but I have not been able to resolve the issue. Their continued actions are not only distressing but also illegal, as they are attempting to collect a debt in an improper manner.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> Personal Info Former : XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2021 I deposited a {$1200.00} stimulus check into my business account as I don't qualify for a payroll protection loan. I'm the only person who works at my salon. On Sunday XXXXthe funds were taken out for some reason and no one at Bank of America can tell me why.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : XXXX XXXX XXXX United Wholesale Mortgage - Refusal to Waive Escrow Account Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against United Wholesale Mortgage regarding their refusal to waive the escrow account on my mortgage, despite my numerous requests and meeting the necessary qualifications. 
When I took out my mortgage loan, I made a 20 % down payment, which, according to industry standards, should qualify me to opt-out of an escrow account. However, I have been forced to continue paying into this account for more than two years, which results in an additional monthly payment of approximately {$3500.00}. This significant burden is both financially draining and unnecessary in my situation. 
I have reviewed my closing documents, and there is no indication that an escrow account is a mandatory requirement for my loan. United Wholesale Mortgage has failed to provide any substantial justification for their refusal to waive the escrow account. I have reached out to them multiple times to resolve this issue, but they continue to deny my request without any valid reason. 
I believe that United Wholesale Mortgage is acting in bad faith and potentially defrauding customers by imposing unnecessary escrow requirements. I am concerned that other consumers may also be facing similar issues.

I kindly request that the CFPB investigate this matter and assist in resolving this issue with United Wholesale Mortgage. I would like them to waive the escrow account requirement, as I am fully capable of managing my own property taxes and insurance. I also believe that their practices warrant further scrutiny to prevent other consumers from being misled or taken advantage of. 
Please feel free to contact me at the provided phone number or address for any further information or clarification. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OR)

Please apply this narrative and atta he'd evidence to this claim against Cashapp/Block and also to XXXX. Also please see complaint XXXX for the concurrent XXXX complaint. 
On XX/XX/2024 I lost my cell in the back of a XXXX  car. It was later returned to a restaurant I had been dropped XXXX XXXX and I got it back XX/XX/XXXX or XXXX. The phone had been accessed and thus my XXXX  acct as well as XXXX  and cashapp were all accessed by unauthorized users and I had a total of almost XXXX dollars vanish between the XXXX. I immediately contacted police XXXX reporting XXXX  and all three acct companies. XXXX  at that time identified approx XXXX in XXXX charges they immediately began disputing. I reached out to the XXXX  XXXX XXXX office to pursue claims and had thought until last week that they helped with all three firms. Now I've been told they are only dealing with XXXX and cashapp and yall hafta help me with XXXX. On XX/XX/XXXX when I discovered this I contacted XXXX at XXXX pm and spoke with a dispute team supervisor named XXXX who identified and opened disputes on XXXX transactions totalling XXXX. She then on that call which I recorded sent me an email with a link to provide evidence which I returned with XXXX attachments including police report as well as emails from XXXX denoting unauthorized successful logins from thousands of miles away. After confirming the emails they denied my dispute approx XXXX hours later citing no evidence received. Them I called each day multiple times on XX/XX/XXXX and XXXX speaking first to XXXX at XXXX XXXX  XX/XX/XXXX and then XXXX at approx XXXX  that night. Both reassured me repeatedly they'd received the evidence and further corroborate that XXXX has noted the credit be expedited due to these circumstances. XXXX  has now denied these same disputes something like XXXX or XXXX times for no evidence while simultaneously confirming receipt of them. Please help me. I have approx XXXX to XXXX recorded multi hour calls with them confirming all of this and in XXXX  I am legally allowed to XXXX party record any calls. Please reach out at XXXX XXXX XXXX at any time and your earliest convenience. Also if you can file identical complaints against XXXX XXXX and Cashapp/Block they have also done similar or worse things. Thank you XXXX XXXX
Consumer complaint received 2024-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

We been waiting on our insurance check to fix our house from XX/XX/2024 we turned in all the paperwork they need every time we call them its always we have to wait 5 days then 7 days then 14 days I made a complaint the lady we were talking to never called us back so Im making another complaint because we still have not got our insurance check money from this company to fix our house they always want more info they never request from the beginning and we have to wait
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (OR)

A credit inquiry dated XX/XX/XXXX was made on my Equifax Report by XXXX XXXX XXXX XXXX in error. The creditor has contacted Equifax several times to remove it. The creditor sent a letter dated XX/XX/XXXX and was told it would be removed. It has not been removed. This was a soft hit made by XXXX XXXX on the same date. I have contacted Equifax and they refuse to take it off. 
It needs to be removed. Letter is attached. Make this happen it has been over XXXX months!
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (PA)

Dear CFPB, I am writing to file a formal complaint against American Express ( AMEX ) for their predatory lending practices, which have caused me severe financial, physical, and mental harm. 

AMEX extended far more credit to me than I could realistically afford to repay, pushing me into significant debt that I was never in a position to manage. This situation has not only impacted me financially, but it has also taken a profound toll on my mental and physical well-being. 

I am a XXXX individual, diagnosed with XXXX, and my only source of income is Social Security XXXX XXXX, XXXX. 

Despite these clear financial limitations, AMEX irresponsibly lent me credit well beyond my means. They set me up for failure by enabling me to spend more than I could ever afford. Their actions were not only reckless but outright predatory, particularly because they targeted someone as financially vulnerable as myself. 

The stress of being overextended and unable to repay this debt has wreaked havoc on my health. My XXXX  and XXXX have worsened significantly, making it difficult for me to sleep or function on a day-to-day basis. The pressure from AMEXs lending decisions has deeply affected my mental state, leaving me constantly fearful and overwhelmed. Physically, the unrelenting stress has only exacerbated my existing health issues. 

AMEX set me up to fail, and when I inevitably couldnt meet their unreasonable expectations, they pursued a judgment, knowing full well that I am judgment-proof. This XXXX XXXX  bank orchestrated my financial ruin, assisted in pushing me deeper into debt, and then went in for the kill by obtaining a judgment. It is absolutely disgusting and predatory. 

What makes this situation even more infuriating is that AMEX, with full knowledge of my XXXX and my sole reliance on Social Security, continued to lend recklessly, leading to this inevitable financial disaster. Now, with this judgment against me, AMEX has nothing to collect, and yet the entire process has caused irreparable damage to my health and well-being. Their lending practices are irresponsible at best and predatory at worst. 

I implore the CFPB to investigate AMEXs lending practices, especially when it comes to vulnerable individuals like myself, who live on fixed incomes and are dealing with XXXX. Their predatory lending has not only destroyed me financially but has had devastating effects on my physical and mental health. I am seeking a resolution that holds AMEX accountable for their predatory actions and prevents others from experiencing the same treatment. 

Thank you for your time and attention to this serious matter. I trust that your investigation will reveal AMEXs unethical behavior and bring about the necessary accountability.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (OK)

Credit limit reported to credit bureau is incorrect. My credit limit increased to {$2000.00} but they reported that it changed from {$2000.00} to {$1000.00}. This is opposite. This made my credit score drop XXXX point on my credit bureaus.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

This account clearly constitute a breach of contract and are fraudulent. The bank did not provide me with crucial information about this fraudulent account, which directly infringes on my consumer rights. As a result, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to intervene directly, as the bank 's actions have caused significant damage to my financial situation. The account in question is : Citi XXXX XXXX - XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc (FL)

Hello, I had taken withdrawal on XX/XX/2023 for {$1500.00}. I am going on a year paying. While looking at my statements I notice that the Balances changes. I have not missed a payment, and have not been late. In XXXX my balance says $ {$2300.00}. Then for the month of XXXX it says {$2.00}, XXXX then XX/XX/XXXX {$2400.00} and in XXXX the Balance goes up to {$2500.00}. I've been making monthly payments of {$250.00} almost a year now so how is it that I still owe {$2300.00}?
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (VA)

Ive tried to open an account twice with my social security and it didnt allow me to. It says there was a fraudulent activity with any of my previous banks but to my best of knowledge i havent been involved in anything of that sort.
Consumer complaint received 2024-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

date : XX/XX/year> total amount that the collection agency asked for is : {$320.00} I had my boyfriend call XXXX  while I was at work to cancel my membership, yet I noticed that the next month they still charged me. So I disputed it with my bank and I saw that the transaction got disputed so I believed that it was canceled. The gym also never charged my bank again which is another reason why I did not know I that there was debt accumulating. If I had known that I was going to continue being charged then I would have gone in to finalize the cancellation of my gym membership.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

DO NOT CALL, EMAIL, TEXT ME EVER! 
READ MY COMPLAINT YOU ARE IN VIOLATIONS OF SEVERAL LAWS, RULES, AND REGULATIONS. 
NEXT STEPS WILL BE TO ESCALATED TO THE OCC, FDIC, FBI, DEPT OF TREASURY AND JUSTICE TO START. 

I AM THE ONLY XXXX XXXX AND THIS BANK HAS OUTDATE INFORMATION AND HAVE BEEN TOLD SEVERAL TIMES. 

XXXX VETERAN, NATIONAL ORIGIN, SEX, AGE, RELIGION TO NAME A FEW OF THE PROTECTED CLASSES I AM A MEMBER OF. 
ADA, XXXX XXXX, FAIR HOUSING ARE A FEW OF THE MANY LAWS IN VIOLATOIN. 

A VETERAN CAN'T FOCUS ON HER HEALTH AS COMPANIES SUCH OF THESE HAVE POOR SECURITY TECHNOLOGY AND PEOPLE. 

IT IS APPARENT THAT NO ONE IS COMPLETING AND UNDERSTANDING THE REQUIRED TRAINING. IT IS ALSO CLEAR THAT TRAINING ISN'T ENOUGHT BECAUSE NO ONE IS RETAINING THE IMPORTANT LAWS WHILE THEY CONSTANTLY VIOLATE THEM AND ARE STILL IN VIOLATION. 

ALL THE INFORMATION THEY HAVE IS OUTDATED. I HAVE MOVED OVER XXXX TIMES STILL LIVING IN HOTELS DUE TO COMPANIES LIKE THIS THAT DO NOT ADHERE TO THE RULES IN PLACE. 
TRUTH HURTS BY TRUTH XXXX XXXX CONSULTANT. FORMER AUDITOR FOR BANK XXXX XXXX HIGH RISK ONLY AND XXXX 3RD PARTIES. I AM VERY FAMILIAR WITH LRR.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC (MD)

On XX/XX/year>, I received an email about a legal document saying that a debt collection agency will be freezing my bank account and take funds from it. According to the legal document it says that {$10000.00} is owed. On XX/XX/year>, {$1000.00} was taken from my account. My issue is this is not my debt, I do not have a legal case about any debt/debt collection meaning I have been wrongly accused and charged for this debt. I have tried to contact the agency to resolve the issue but they would not cooperate with me. Due to the agency not cooperating with me I would like to file this complaint so that they unfreeze my account and return my funds back to my account.
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year>, I received a call from what I believed to be a Wells Fargo Representative from ( XXXX ) XXXX, the Wells Fargo Customer Service Number. 
The caller introduced herself as a Wells Fargo Fraud Specialist named XXXX XXXX ( # XXXX ) to report fraudulent charges on my bank account and gave instructions to halt/reverse XXXX charges for {$1000.00} sent to XXXX XXXX at phone number ( XXXX ) XXXX. 

This resulted in this person being sent {$1000.00} from my bank account. I was placed on hold to wait for a confirmation number and the call was ultimately disconnected. I waited for a few moments for a call back. I immediately called Wells Fargo to follow up and was informed that the money had been deducted from my account. 

I then reported a claim. I was given a claim number and did not hear anything until I called on XX/XX/year> to find out the status of the claim and was informed that the claim had been closed.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

Hi there, Payment is made on time to Citi bank from my bank as automatic payments, as well as push payments as needed. I pay my bill in full every month. 

However, they have charged me interest because even though it was paid by XXXX XXXX  on time, it posted on the XXXX, so Citi counted that late. EVEN THOUGH XXXX XXXX PAID ON THE DUE DATE. Nobody else penalizes me for paying ON THE DUE DATE. But Citi does. 

I called them. They recognized the issue, and apologized, crediting me XXXX XXXX  This isn't my first phone call. 

When I called XXXX about this, and told the admin the issue, before routing me to the correct group to report it, she was upset about this issue too.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I applied for the XXXX  credit card through Chase. The next day Chase reached out to tell me the application was Fraud and not me and was denied. I reached out and talked to a representative and sent them a copy of my electric bill and my driver 's licence as well as verified a lot of personal information I was not comfortable saying over a phone call and they said to check back in 5 business days. I checked back in the next week and was told the same thing but to wait 5 to 7 more business days. I called back after 7 business days and was told I needed to go to a Chase Branch and verify then they can push the application through. I went straight to Chase and the banker verified I am who I claim to be and called the number to push my application through. I was informed that my application was denied for lack of verification but they could not say what needed to be verified. I have the ding on my credit score for the check but nothing to show from it.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I was charged a foreign transaction fee of {$14.00} on XX/XX/year> even though it was never disclosed that I would be required to pay a foreign transaction fee. Ive never paid a foreign transaction fee on a credit card transaction. Chase refuses to waive the fee.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

I am a recording artist through " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' I have been producing products for over 10 years with XXXX XXXX. I was using PAYPAL as my " Payment of Choice '' for receiving my sales revenue. Both XXXX XXXX and PayPal have provided me with documentation that shows ONLY 5, of the most recent payments into my XXXX  XXXX XXXX bank account. XXXX XXXX has provided me with 3, pages of additional payments dating back to XXXX. I can't reach anyone at PAYPAL who can " REFUND '', or RETURN to XXXX XXXX those payments that I have never received. The amount I am due is {$11000.00}. At least that's what my XXXX XXXX XXXX Account page shows. XXXX XXXX has assured me that they can " REISSUE '' my payments as soon as PAYPAL can confirm that I never received those funds. I have NOT been able to reach anyone at PAYPAL. The IRS will be expecting me to pay TAXES on that income if it is indeed my revenue. Can you help me reach someone at PAYPAL who can address this legal issue concerning my bank account information and TAX ID?