davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Centron Services (MO)

I have already filed a complaint against this company and was not able to respond to their response. They have lied yet again. They did not provide the documentation my attorney requested. We ended up having to ask the judge to suponea the records as they were refusing to provide them. Once we did they sent bare minimum records that did not include how much had been paid and to what accounts. This ended up creating more problems in the court case. Since then I have requested the same documents on multiple occasions only to be told that they will not provide that. Now they have violated the court order that specifically stated they could not go after my ex-husband any further for these collections. They have sent him a threatening letter stating they will not accept payments but that the account is to be paid in full. Until they can provide documentation to show where the payments have been going, neither myself or my ex husband will be paying them anything as we do not know where our money is being applied to or have proof that it is being applied correctly. This is bad business and now could lead to more legal action as they have violated the court order.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KS)

XX/XX/XXXX : i paid the full balance of my credit card for XXXX payment XX/XX/XXXX : Citi emaild me that it will recharge the full balance again since I am on autopayment XXXX read the email from XX/XX/XXXX for the first time. Immediately logged in to check if I can stop the payment and immediately called Citi when I saw that it has already been posted. THIS IS A BAD PROCESS DESIGN. When I asked the customer service manager whom I talk to, I was pointed to Legal by mailing a complaint. When I asked whom I can complain out of Citi, the manager told me that she does not know, which should not be the answer that I get as a consumer. 

Citi could have easily designed the process so that this double charging ( which I would say Citi is robbing me ). Manager told me that it will take at least 15 days to reverse the charges once it is drafted.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (GA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CO)

Dear CFPB, I am writing to file a formal complaint regarding Shellpoint Mortgage 's mishandling of my mortgage loan account and their failure to resolve the issue despite multiple attempts on my part to address it. 

Shellpoint acquired my mortgage loan a few months ago, and I have been experiencing issues with the accuracy of my account since then. The specific details are as follows : Loan Amount Discrepancy : On XX/XX/XXXX, I contacted Shellpoint 's customer service after noticing that my monthly payment amount, contractually set at {$380.00}, had inexplicably increased to {$720.00} on their online account portal. I had not been late on any payments and was confused about why the payment amount had suddenly increased without explanation. I submitted an inquiry through Shellpoint 's account portal to address this issue. 

Delayed Response : When I contacted their customer service center, I was informed that the issue would be escalated to the correct department for further research, and I would be contacted. However, instead of receiving any resolution or response, I was sent a bill for {$720.00}. I called back on XX/XX/XXXX, but due to high call volume, I wasn't able to speak with an operator. I followed up again on XX/XX/XXXX and was informed that Shellpoint was aware of the error with the XXXX loan department and that the issue would be corrected soon. 

Uncredited Payment : Additionally, I requested an audit of my account because I noticed that I was not given credit for a previous payment of {$220.00} that I had made with my previous lender. I have the bank statement proving this payment, yet Shellpoint only credited {$570.00} to my account when I paid {$800.00}. 

As of today, Shellpoint has neither corrected my account nor provided any follow-up communication regarding the matter. My account remains inaccurate, and I am deeply concerned about the impact this may have on my credit and financial standing. 

I am requesting that the CFPB investigate Shellpoints handling of my mortgage loan account, ensure that my payments are accurately credited and that the correct monthly payment is reinstated. I am also seeking a prompt resolution and clear communication from Shellpoint regarding the steps they will take to fix this situation. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

In XXXX, I requested USAA to add my wife, XXXX to my checking account. What followed was a series of 5 denials by XXXX XXXX. The first denial was the only legitimate one, XXXX had forgotten to date her ammended signature card.That was corrected, and sent back electronically, USAA confirmed receipt on XXXX XXXX XXXX, however requested the same form 2 more times, which I corrected, and sent electronically, and USAA received XXXX he then sent a letter denying the request, claiming he " didnt know what the request was for '' .At this point, I realised that XXXX XXXX wasnt simply incompetent XXXX but was retaliating for the XXXX complaint I filed against USAA. The next denial was because they claimed they didnt have my ammended signature card on file, so they sent me one, and I filled it out, and sent it back. Having run out of excuses, XXXX XXXX, again denied my request, claiming he was missing one of XXXX 's pages that he received back in XXXX. I believe that page can be found in the bottom of XXXX XXXX 's paper shredder, if it hasnt been emptied yet. XXXX XXXX is USAA 's " VP of Operations '', and it is scary to observe the ease with which he lies, he is a man with no moral compass, and has created a problem where there was none. XXXX XXXX has expended some effort in preventing a veteran from adding his wife to his checking account, it seems like that is the opposite of what a " VP of Operations '' should be doing. Not a good look for USAA, especially since my wife, XXXX is XXXX, some people might think XXXX XXXX is a XXXX.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (PA)

In the afternoon of XX/XX/XXXX, I received an email saying there's a suspicious activity in my account and I should contact the discover immediately. I called them and provided the information they want, however, after providing my SSN and phone number, they told me they can not verify my identity.

I asked for alternative ways to verify myself but they just say I should wait for their response or contact them later. I did called them back, both in phone and by the online services, however, they use the same words over and over again, while I suddenly found my credit card in discover was suspended that I could make no transactions and purchases. I inquired for this issue immediately but they still say '' we can not verify your identity '' and do not offer me solutions to get my card back online.

I think it is not reasonable for them to disable my credit card and not telling me the proper reason! I do not do any purchases before it is suspended for over 12 hours, and they just locked my account for no reason.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

Under the guise of a real estate agent, I have been in communication with a landlord with XXXX XXXX XXXX a XXXX leasing company. This individual has received 3 payments from me over the course of two weeks. Today was supposed to be the day I move-in, and suffice it to say, it is also the last day I heard from this individual. 

XX/XX/year> - {$50.00} for an application fee XX/XX/year> - {$580.00} for XXXX XXXX XX/XX/year>- {$64.00} to balance Security deposit The phone number that I have been in contact with is XXXX. The account to which I have made these payments is a chime account with the tag $ XXXX
Consumer complaint received 2024-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I filed a complaint with CFPB on XX/XX/XXXX about Select portfolio servicing applying a duplicate deferral to my account last year! 
I explicitly mentioned that I have a reverse mortgage, waiting to close escrow and asked them to please expedite the removal along with interest that its been incurred for the last year! 
Select portfolio servicing is a mortgage servicer, They received the response immediately as they notified me of so. However, I got this email today that they need more time! I have intentionally not made my payments because Im trying to get this cleared up with Select portfolio servicing and they are detaining it intentionally so that they can file default before my loan closes!! It should not take a corporation, such as Select portfolio servicing more than XXXX weeks to clear the issue! 

This companys books need investigated. Theres no reason why they should not have replied in a timely manner.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$210.00} 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 2024-08-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSVP Lending, LLC dba RSVP Loans (WI)

I had a loan that was placed to multiple creditors. Ive been working with the other companies it went to and was told to stop payments until it was straightened. I had previously paid to these people, but stopped when I realized I was paying multiple people on the same loan. This company has been very scammy and downright illegal about it though. They didnt want to hear that the loan was with different people and failed to provide information such as when they got the account and other things that the other companies provided. One company in particular was great and super professional, trying to do this ethically and get to the bottom of it. XXXX  has been the complete opposite. Calling and emailing at all hours of the day, failing to provide me with information, and failing to find out why they are collecting on a loan I dont own anymore. The language is unprofessional, rude, and they clearly have no idea whats going on. The fact they are still trying to collect on a debt they know is being paid multiple times should be a huge red flag in and of itself. Very shady company. Ive attached proof of XXXX handling the account and them still trying to contact me with a settlement offer ( both the email and settlement offer attachment ) AFTER the fact. You can see the account numbers from the original loan match exactly and amount is the same. Seeing as the newest company took possession of the debt XX/XX/24, they are probably trying to collect illegally on a debt they dont own anymore.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

On XX/XX/year> ( Posted XXXX XXXX ) BMO Allowed an account takeover to occur. My phone was stolen, and Credentials to Online Banking. BMO, Allowed {$460.00} to be transferred externally to a XXXX XXXX XXXX, Whom I have never done business with. This transfer was by ACH. BMO Knowingly, Allowed the transfer to occur and deducted {$460.00} from the checking account. BMO Told me I did not respond to calls, However BMO never called me to begin with. I would have answered had I received a call, I did call to file a dispute for this unauthorized transfer back in XX/XX/XXXX. However the Representative put me on hold over 1 hour, and Wouldn't file the dispute. BMO Responded telling me that the Claim was never filed and that I needed to call back in and file the claim. So I filed the claim today XX/XX/year> on the phone with a rep hold for over an hour again. BMO owes me {$460.00} Claim # XXXX. I expect this to be overnighted Certified Funds to me. Free of charge for overnighting because I did not authorize the transfer. BMO Also opened the checking and savings account to begin with as identity theft. Which I already advised. BMO Does not allow me access to online banking to review transactions and BMO Charges me paper statements, {$3.00} even though I can not access. These are fraudulent account 's opened without my permission or consent. BMO Owes me monetary relief for the stolen funds as well, and BMO has been ignoring any attempts for me to recover the funds. Especially having a hard time filing a dispute for an unauthorized transfer. I would like to receive my {$460.00} Funds back that were not authorized. Please mail me an overnighted check, to my address on-file. Please do not charge me expediting since it's not my fault you never filed the dispute to begin with.
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (NY)

i received a check XXXX XXXX XXXX XXXX on XX/XX/XXXX for ( XXXX dollars ) which i worked for since XXXX to XXXX until the pandemic happened and it closed, i was in the local XXXX union also. The hotel got bought out by an XXXX XXXX and they paid all the workers severance money for working there. I went to the XXXX and picked up my check and cashed it at Chase Bank, they cashed my check into my account and then they froze my account. I called and they said the check could be fraud, i told them IT WAS NOT, they wanted the contact number to clear the check. They kept telling me they COULD NOT CALL the number i gave them because it was not registered to XXXX XXXX XXXX XXXX XXXX. I called the issuer of the check and their attorneys and told me they will help me if chase will call and connect the call. XXXX did not help so i went to the XXXX branch and was helped by XXXX XXXX and she spoke to the fraud department and the department said, if the issuer sends a notarized letter with the company letter head explaining that they issued me the check? i was cleared but the issuer sent the email to the chase branch and they told us that the letter would not work. XXXX XXXX talked to her supervisor and they made a complaint for me. Since XXXX i have been talking to numerous people in chase and they keep denying to call and clear the check. The issuer told me they tried all they can and since XXXX cashed the check into my account? then there is nothing they can do but get an Attorney to help me with this case.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY (TX)

I have an account with TD Bank and have had one for over 10 years. 
Let me just note that I have never left this country in my entire life. So its pretty bizarre when someone from another country hacks into my account and steals over {$500.00} That I would have to pay for it? Excuse me? I have to pay for my horrible banks horrible security? 
Heres the amounts Im disputing. 
{$150.00} + {$4.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee + {$15.00} maintenance fee because this put me under the balance threshold to be charged monthly. When clearly I had the money. They just didnt want to give it back. 

This would be 4 charges to my account in addition to 4 international tax fees ( which I notice was conveniently not included in the dispute ) and 1 maintenance fee.

Ive never been outside of the country. This is not my fault. I should not have to pay for this banks horrible security. Theres evidence of transactions in my home state IN AMERICA on the day of these charges from out of country. Expect me to be 2 places at once?

I dont care what they say they dont get to operate as a front for cyber criminals.

Because this same thing happened to someone I know. Lost thousands from her bank account. The bank didnt see a problem with it. THEY failed to provide security questions. If this publishes and anyone sees this, TD Bank is a horrible choice. Find another bank.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NC)

On XX/XX/XXXX I opened an account with Aspire Credit Card ending in XXXX, 12 months later I noticed an annual fee of {$49.00} and called and canceled the card on XX/XX/XXXX and was told I would still be charged the {$12.00} fee per month until the account was paid off. I checked my account today and noticed they have charged me a {$49.00} annual fee for the last three years on a " Closed Account '' on top of the {$12.00} per month. This is a total rip-off to charge an annual fee on a closed account. I demand the last three years ' annual fees be credited back to my account. This is an outrage to charge someone these types of fees on a closed account that is not being used.
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Paypal.com openly works with the XXXX XXXX XXXX in the world while claiming to not work with any XXXX sites. One example of thousands is XXXX XXXX XXXX XXXX XXXX XXXX use this link which shows a XXXX site, XXXX, advertising to join said site using paypal connected with XXXXXXXX XXXX only serves XXXX sites. 
I made a purchase on the site and the site was fraudulent. I asked XXXX for refund and they refused forcing me to contact XXXX XXXXXXXX called me a " XXXX '' and threatened to post my information online etc. etc.. but they did the refund ... ..so, how can XXXX work with XXXX etc. while treating people this way? and why does XXXX and thousands of XXXX sites work with paypal? I will make a separate complaint against XXXX. 
If you need me to take screenshots and/or find other examples of paypal working with XXXX sites, let me know and I will supply. when I contact them they lie and ignore me. They blocked me after I asked this question in their forum. Paypal also closed my account after I talked to paypal about this.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (VA)

Today I discovered an inquiry on my XXXX credit report from Nordstrom/TD Bank USA.. 
I was unable to determine whether this was a hard inquiry or a soft inquiry. 
If it was a soft inquiry, I suppose my issue is with XXXX for not making that clear.. 
But, if this was a hard inquiry, Nordstrom has violated my privacy.

I once had a credit card with Nordstrom but it was closed years ago.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 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 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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