davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO. (CO)

Subject : Formal Complaint Regarding Loan Application and Earnest Money Dispute I am writing to formally request written confirmation from XXXX  Manager XXXX XXXX ( NMLS ID XXXX ) regarding the handling of my loan application and the subsequent dispute concerning my earnest money. 

**Summary of Events : ** * XXXX XXXX XXXX XXXX XXXX XXXX ( NMLS ID XXXX ) was aware of my wife 's upcoming job change and part-time status from the beginning of the loan approval process. 

* On Monday, XX/XX/XXXX, we sent an email expressing concerns about the closing and my wife 's job change. 

* XXXX XXXX requested we recall the email, stating it would be a " deal breaker '' for Chase Bank. He then persuaded XXXX XXXX Specialist XXXX XXXX ( NMLS ID XXXX ) to overlook the email without our authorization. 

* We requested transparency and expressed concerns about potential foreclosure and credit score impact. 

* Despite our requests, the employment verification process continued, and we did not receive a loan approval or denial by the contract deadline of XX/XX/XXXX. 

* Due to the lack of a loan decision and the risk of not having a place to live, we terminated the purchase contract on XX/XX/XXXX ( New Loan Availability Deadline ) due to not having a new loan approved given the on-going delays and uncertainty around an actual approval and closing date. 

* The seller refuses to release our earnest money, and Chase Bank denies responsibility, stating the loan was not approved or denied by the deadline. 

* As of XX/XX/XXXX, at approximately XXXX XXXX, the loan is being approved with the underwriter team based on the lending advisor 's request to the underwriter to overlook facts stated in our email on XX/XX/XXXX. 

**Conclusion : ** We have been placed in a difficult financial situation due to the handling of our loan application and the subsequent communication failures. We demand transparency and accountability from Chase Bank and its employees.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My name is XXXX XXXX I need help with my dispute claim XXXX for {$20.00} it been months I never hear back about my claim now its is XXXX no update yet I need a update about it and please process it and credit my money back to my account Account number XXXX.
Consumer complaint received 2024-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

The only medical service I had that year was a workers comp case, which makes this collection illegal and against the law. I am denied that allegedly bill belong to me This incident was brough to the federal trade commission back in XX/XX/year> for questionable business practices. ( CFPB reference number XXXX )
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (SD)

Insurance claim for wind damage to my property on XX/XX/XXXX Claim # XXXX XXXX issued a check with co-signature and I took the check to XXXX XXXX in the amount of {$8200.00}. XXXX XXXX sold my loan to Mission Loan ( # XXXX ) and assumed that the case was closed. I tracked down Mission Loan after several phone calls to ensure the funds insurance funds had transferred with the mortgage. I received {$2000.00} to begin work on my property through Loan Care ie, XXXX 

Work was completed and final inspection passed on XX/XX/XXXX. All documents were submitted to insuranceclaimcheck.com and I yet I have continued to fight for release of funds. 

I spoke with claims specialist XXXX on XX/XX/XXXX @ XXXX XXXX and she assured me that all documents were submitted correctly. XXXX XXXX was submitting a request to release funds to me ASAP. 

On XX/XX/XXXX I received a text from Loan Care XXXX XXXXXXXX XXXX " Loancare Check Status ; Documents are missing or incomplete. 

XX/XX/XXXX XXXX I called Loan Care and spoke with XXXX XXXX XXXX. She state that the proof of insurance was not recognized and would submit a waiver of the contractors license ( I had provided both the contractors license and proof of insurance previously ). XXXX XXXX reviewed the documents and submitted " funds to be released '' this afternoon. 

I informed XXXX XXXX that I would be contacting CFPB in the meantime as this process has not been resolved and has been ongoing for far to long.
Consumer complaint received 2024-08-29
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: RoundPoint Mortgage Servicing LLC (PA)

IN XXXX OF 2023 ROUNDPOINT MORTGAGE TOOK POSSESION OF MY MORTGAGE FROM XXXX MORTGAGE. I REQUESTED FOR MY ACOUNT IN XX/XX/year> TO BE PUIT IN AUTO PAY IN WHICH ROUNDPOINT CONFIRMED TO TAKE EFFECT IN XX/XX/year>. NO PAYMENT WAS TAKING OUT AS PROMISED. ONCE NOTIFIED THAT MY PAYENT WAS LATE I MADE PAYMENT. ROUNDPOINT THEN REPORTED ME AS 30 DAYS LATE HAVEING A NEGATIVE EFFORT ON MY CREDIT. XXXX CURRENTLY PURCHASING A HOME AND CHARGED MORE INTREST AAND LARGER DOWN PAYMNET.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Good afternoon Fifth Third bank, I tried to reach someone at the callcenter today ( first time I call ), but was impossible to reach a representative, the system requested many times my SSN ( I don't have ) and I couldn't find an option to bypass that information request. 

The reason for the call and this letter is to request to open a merchant dispute agains these transactions : XX/XX/XXXX {$86000.00} Twice XX/XX/XXXX {$86000.00} Twice I need to dispute XXXX transactions in total for the merchant XXXX XXXX, I bought XXXX XXXX XXXX XXXX in person at that store, they sent the items by XXXX and I received on XX/XX/XXXX, it took XXXX weeks. 
On XX/XX/XXXX I decided to return the products because were no longer needed so I went in person to the store to return it. They gave a full refund policy of 30 days after delivery date, so the return was accepted and they issued a full refund receipt on the same day. The store takes up to XXXX  days to process the credit back to the account, but they didn't, so I called them on XX/XX/XXXX but they didn't provide any solution for the pending credit. 

Please open the merchant dispute for credit not processed, Thanks
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$550.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$570.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$590.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$700.00} I did not authorize my debt or personal information to be sold to Portfolio Recovery on XX/XX/XXXX in the amount of {$900.00} I did not authorize my debt or personal information to be sold to Portfolio Recovery on XX/XX/XXXX in the amount of {$1300.00} I have contacted these companies asking for proof of my consent and none have been able to provide me the proof that I authorized any of these sales of my debt or information.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (WA)

Okay so I have discover bank, I was going to do payments with XXXX  but they charged me the ENTIRE thing which was XXXX so XXXX told me to cancel it with my bank call then back and we would set up the payment plan. So I did. And they reversed it. 
This was on XX/XX/XXXX of 2023. THEN, on XX/XX/year> I get a notification they discover reversed the reversal and took XXXX BACK OUT of my account. When I reached out to them asking them why they did this, they told me that XXXX  had told them to. So I reached out to XXXX  and I'll include the documents showing my chat with management at XXXX  who have ZERO RECOLLECTION OF ANYTHING, THEY DON'T EVEN KNOW ANYTHING ABOUT THAT, THEY NEVER TALKED TO DISCOVER, AND THEY TOLD ME THAT I NEEDED TO TALK TO DISCOVER. So I did, they then told me that is the back executives answer and that's all I got. I asked well who do I talk to to further continue this bs on?! He said once the executive of discover says a demand that's that. I can't do anything about it. So I hung up on him. Well I'm sitting here looking up the laws of how long banks have to answer a dispute and it says by law 90 days. Well if you do the math from XX/XX/XXXX to XX/XX/XXXX. That's 91 DAYS! SO I tried contacting them again. Played phone tag with the so called executives of discover. I talked to XXXX yeah she's a wonderful woman. Didn't help me the slightest. Well I log BACK INTO MY ACCOUNT AND I GO BACK TO LOOK AT THE TRANSACTING ON XX/XX/XXXX, AND DISCOVER CHANGED THE DATE FROM XX/XX/XXXX TO XX/XX/XXXX! THAT IS ILLEGALL! I WROTE THEM A DEMAND LETTER, HAVEN'T HEARD ANYTHING. SO NOW I'M HERE. I WANT THAT XXXX BACK IN MY ACCOUNT. AND ONCE I PULL THAT MONEY OUT. I'M CLOSING MY ACCOUNT WITH DISCOVER BECAUSE LOOK AT WHAT THEY DO! I'VE BEEN DEALING WITH THIS SINCE LAST FREAKING XXXX ALL BECAUSE WHAT! XXXX  TOLD ME TO DISPUTE IT WITH THEM, I DID. AND NOW MY CREDIT IS MESSED UP, BECAUSE ALL THE MONEY THAT WAS GOING TO MY FREAKING BANK ACCOUNT WAS GOING TOWARDS A NEGATIVE XXXX DOLLAR FREAKING AMOUNT. THEY ACTUALLY OWE ME MORE THEN XXXX CENTS. I WANT ALL THE MONEY THAT WAS ADDED TO MY ACCOUNT WHEN I WAS NEGATIVE. They changed the dates in my account. I can show you because they messed up the dates when they were putting it bag dieter or whatever. I know for a fact they retook the money back out in XX/XX/XXXX, then that would be over the 60 day limit so they then changed it to the XXXX which then messed up the dates in my account. That is why the dates are backwards.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (FL)

This company has been servicing my mortgage for seven months ( because it keeps being sold ). Today, XX/XX/XXXX, I get a letter telling me Im being transferred to another company and they will no longer accept payments after XX/XX/XXXX. I am very aware of the 60 day grace period. However, I have insurance and taxes due very shortly. The new company has not received any information yet. RoundPoint dated this letter XX/XX/XXXX, which still is not enough time for notification. You can not treat customers this way, especially customers that never asked for Roundpoints services. Seven months and they send me a letter days before my mortgage and insurance are due. I am very glad to be rid of this junior league mortgage service company. Obviously they are incapable of emails. This announcement isnt even on my statement nor online. Therefore they should be accountable for any missed, lost or late escrow payables as well as any potentially late mortgage payments. They are beyond inferior.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Small Business Checking Account. 

Case # XXXX I am a yacht broker. My client wired {$810000.00} ( in XXXX transactions ), the last of which was XX/XX/XXXX. 

I sent a wire disbursing the funds to the seller on the morning of XX/XX/XXXX. I recieved a confirmation message promising funds transfer by XXXX that day. 

I communicated that to my client and the selling broker. 

On the night of the XXXX when I checked my account, I saw that Capital One held the wire and froze my account. They say it's because I did not provide a Business Certificate with my new address.

I submitted all of the supporting forms within 48 hours.

I was forced to discern what documents might solve the issue by combing the case notes with the help of the customer service operators. No formal or written communication has been received from Capital One at the time of this writing.

Now seven days later, Capital One refuses to communicate the status of the investigation, nor a target date for resolution. I am only told " there is no timeframe ''. I am calling now less than 3 times per day. Each call lasts XXXX to XXXX minutes. 

In the meantime, the transaction is still held up, and. I am being threatened with losing the sale ( or worse ). My bills go un-paid. My rent goes unpaid.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NV)

One Main Financial - Account : XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that One Main Financial failed to conspicuously disclose, in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure B - The consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such 3rd party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) One Main Financial is reporting on XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Spring Oaks Capital, LLC (PA)

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Act. number XXXX Open XX/XX/XXXX amount {$580.00}, XXXX XXXX  ( XXXX XXXX  XXXX XXXX  ) account number XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) Act. Number XXXX XX/XX/XXXX {$810.00}, and Springoakcap ( XXXX XXXX XXXX XXXX XXXX ) Act. number XXXX XX/XX/XXXX $ XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reviewed my consumer report and was aware that there is an inaccurate account that is reported incorrectly on my consumerr report. XXXX XXXX is listed as a collection, I do not owe this debt and this debt should not be reported on my consumer reports.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

I have a closet apple card goldman sachs account. I have a positive balance of about XXXX XXXX I am requesting a refund balance transfer. They refuse to send me the funds. After they told me they initiated the transfer they called back a couple of days later and nobody would talk then hung up. I called today to see why I have not received anything. They said they called to tell me my account was under review and that I had to resubmit the refund request. I have been trying to get this resolved with countless attempts at communication and nobody can answer anything they leave me for hours on hold. I need something done about this.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WY)

I have called USAA XXXX in 60 days about a stolen credit card and to ace a security freeze and fraud on the card account. Each time USAA denies anything was requested. Each time they tell me that no such action has been taken. Usaa had now let an additional XXXX  dollars be added today and approved despite repeated requests to block and cancel the card. A fourth call today to dispute yet new charges resulted in the same conversations. UsAA is not taking security and fraud alerts and requests for these actions seriously. Overall XXXX XXXX dollars been allowed by USAA to continue to be charged and added to the credit card account despite repeated calls and requests to freeze and halt and cancel the card.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2019-12-31
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. (TN)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my serious concern about the disputed accounts on my credit report. Despite multiple attempts to have these inaccuracies addressed, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and severely impacting my ability to lead a normal life. 

The consequences of these inaccuracies have left me in a challenging situation, and I urgently seek your assistance in resolving this matter. I respectfully request a thorough investigation into the reporting of each disputed account. It is essential that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.