davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (TX)

My name is XXXX XXXX. My BMO account number is XXXX and reference code is XXXX. 

I opened a XXXX XXXX Checking account with BMO bank on XX/XX/year> and started depositing money to get the {$300.00} direct deposit bonus which they were advertising. But soon after a week, they suspended my account and asked to email documents to verify my ID which i did. But they emailed back saying to visit the nearest branch to submit documents in person without giving any explanation. 

There are no branches in XXXX XXXX XXXX XXXX, I would have to drive out of state to Oklahoma. They told me they'd have to close my account since I'm unable to visit branch and let me know the remaining funds ( {$200.00} in total ) would be mailed in the form of a check to the address on file which is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

It's been almost 2 MONTHS since they closed my account and I still haven't received the check. Every time I call them they would be rude and tell me the fraud department is closed or left early and hang up.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been going back with equifax for several months about my credit. I initially disputed accounts with XXXX XXXX acct # XXXX both accounts where originally deleted but whe. I asked for copy of current report it showed an account from XXXX XXXX with a balance of {$520.00} the account was reinserted I sent letter and Ive attached certified receipt the # XXXX I NEVER RECEIVED A RESPONSE PLEASE HAVE COMPANY REMOVE ACCOUNT
Consumer complaint received 2024-07-09
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I opened a Lowes Rewards consumer credit card in XXXX of XXXX an initially was given a {$1000.00} Credit Limit. I used my card frequently and had no issues, In XXXX of XXXX I applied for a credit line increase and received an additional {$1000.00} making my credit limit {$2000.00}. My highest balance that I had on this card was {$1400.00}. All of my payments since opening the card were set on autopayment. I received a letter on XX/XX/XXXX stating that Synchrony has decided to close my account. The reasons Synchrony gave are listed below : reason ( s ) for our decision are listed below. 
Lack Of Real Estate Secured Loan Information Too Few Bankcards With High Credit XXXX Too Many Inquiries Unpaid Collections All of the above items were in place when I opened my account. I own my home free and clear without any mortgages. I am XXXX XXXX XXXX and I feel that my age has something to do with the reasoning for closing my account. Synchrony Bank 's scoring model I feel is biased on age. The result of this account being closed has caused my credit score to plummet and now trying to replace that card has been impossible with the closing of my account..
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (CA)

I bout a visa Vanilla Gift card and it has {$200.00} on it, despite being activated I can not make any purchases. When ever I call customer service they say they have activated it. When I look on the website it says all the money is there and that its activated. I just want my {$200.00} back in a check I do not want a card replacement.
Consumer complaint received 2024-06-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (IN)

I realized that I had taken out a collateral " loan '' with One Main Financial. After reading 12 USC 1431, Powers and Duties of banks, it was very clear that this " financial Institution '' had no powers to " loan '' me anything only borrow and create securities. It was never disclosed to me that the " contract '' was actually just securities for One Main Financial that they continue to make a profit from without giving me any rights, titles or interest. They did not disclose that, which is a violation of TILA, Truth In Lending Act. It was so vague and not disclosed. I have not been offered any of the profit from the securities. I have reached out numerous times through mail to their corporate address in XXXX, Indiana. They have been served a default for failure to respond. They continue to send a copy of the contract but they do not answer the very blaring question- Where were the funds originated? According to the Emergency Banking Act of 1933 it's the Men and Woman of America that create the funds! The Federal Reserve banking system is referred to in Trading With The Enemy Act. Also According to The Federal Reserve Act in section 12 paragraphs 2-4 it explains that the application for the " product '' creates the funds. The " financial institution '' is supposed to give those funds that the man or woman created with the application to the business that the " customer/consumer '' owes. Instead the " financial intuition '' acts like they created the fund s ( money ) that was used to pay for the product the " customer/consumer '' wants or needs and charges interest and fees. This is all unlawful behavior by One Main Financial and violates the trust. They have injured me and caused commercial loss. They continue to report negatively to any credit bureau they can. That is also a violation of the Privacy Act of 1974. They can only report we are doing business, no details what so ever!
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On different days and years of : XXXX, XXXX, XXXX, and XXXX of XXXX, and on XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, I had applied for a personal loan, a line of credit, a credit card increase, a refinance of my personal loan, and a commercial vehicle loan with XXXX XXXX, and I got DENIED for credit every time. 

My credit scores were up high enough to qualify for all of their loan products, but XXXX XXXX kept right on denying my loans. I had requested a loan for {$XXXX} and got denied for that. I had requested a {$XXXX} loan and I got denied. I had requested {$XXXX} and got denied. I had requested a {$XXXX} loan and got denied for that. I even requested a counter- offer for the loan amounts, and I still got denied. I applied for a refinance of my current personal loan, and I got denied for that. 

All along I have been paying all of my bills on time with XXXX XXXX, and everybody to remain in good standing on ALL of my credit reports. I just feel discriminated against, lied to, scammed, frustrated, and harassed by XXXX XXXX. 

I had applied for several commercial vehicle loans with XXXX XXXX and with several Commercial Dealerships just to constantly get turned down and lose the vehicle sale. I was harassed on the telephone and on my email account by the loan officer for me to make hasty decisions on the loan terms, the insurance policy, the down payment for the commercial vehicle, or paying the difference in price for the vehicle, and on the delivery of the commercial vehicle. 

The loan officer made me feel as if I wasn't worthy of purchasing the commercial vehicle for my small business or didn't deserve it. He tried to make me pay a higher price for the vehicle loan with a REQUIRED shorter term. 

I was made to wait for days and weeks for an approval on my loan OR no approval for a loan. I was also made to wait for my commercial vehicle loan officer to come back in from a long family vacation just to finish processing my paperwork for an approval that didn't last very long, and after he XXXX me the check to give to the dealership in a hasty rude manner. I never purchased that commercial vehicle either or got to see it in person. It turned out as No Deal. 

With everything that the loan officers have put me through at XXXX XXXX just to obtain financing, a credit approval, and a much-needed XXXX XXXX, I got nothing in the end but the constant run-a-round, turn down, and an emotional distress body ache. I actually had got sick from all of XXXX XXXX turmoil since last year of XXXX up to now. 

It's so hard and heartbreaking for me to even think back over all of this stuff just to explain to CFPB in this format. Please help me in every way possible CFPB. I still need financing, a loan up to the maximum amounts, and a commercial cargo van that I never got since the first day I applied.
Consumer complaint received 2024-05-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel : ( XXXX ) XXXX e-mail : XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and National Credit System , Inc ( XXXX XXXX XXXX, XXXX, GA, XXXX ) regarding a violation of consumer rights and attempted embezzlement of funds. 

On XX/XX/XXXX, my wife and I applied for a lease of an apartment at XXXX XXXX XXXX XXXX. We paid a total of {$700.00} with our application, comprising of {$200.00} non-refundable application fees for both of us, a {$300.00} refundable security deposit, and a {$200.00} refundable administrative fee. However, when we arrived on XX/XX/XXXX ( the first business day after we submitted the application ) to view the apartment, we were denied access on both XX/XX/XXXX and XXXX, thus violating our rights as consumers to inspect the apartment before signing the lease. 

As a result of this violation, on XX/XX/XXXX, we submitted a written request via email to cancel our application and requested the return of the refundable {$500.00}. Despite the application being in " pending review '' status at the time of cancellation, XXXX XXXX XXXX XXXX refused to refund the {$500.00} as required by law, and instead, retained the entire {$700.00}. 

We made several written requests via email for the return of the {$500.00}, all of which were denied by XXXX XXXX XXXX XXXX. Subsequently, at the end of XXXX, we initiated a dispute with our bank, XXXX, who agreed with us and successfully collected the {$500.00} from XXXX XXXX XXXX XXXX on our behalf. 

Now, XXXX XXXX XXXX XXXX is attempting to reclaim the {$500.00} through a collections agency, National Credit System , Inc. ( account in their system # XXXX ; XXXX at XXXX XXXX XXXX - their client number XXXX ), which threatens to adversely affect our credit rating unless we repay the {$500.00}. This action constitutes an attempt to embezzle funds to which XXXX XXXX XXXX XXXX is not entitled. 
My written Dispute submitted to National Credit System , Inc. on XX/XX/XXXX, and a letter dated XX/XX/XXXX ( submitted via USPS # XXXX ) have been ignored by National Credit System , Inc. They continue to threaten to adversely affect our credit rating unless we repay the {$500.00}. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX XXXX and National Credit System , Inc. comply with consumer protection laws and cease their attempts to unlawfully collect funds from my wife and me. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
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. (MI)

Equifax Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Equifax.
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (DC)

I purchased my first apartment and two parking spaces in XX/XX/XXXX, and the servicing of my loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, three property taxes for the apartment and parking spots were issued, establishing an initial deadline of XX/XX/XXXX to pay, with subsequent deadlines -- and associated late fees -- of XXXX, XXXX, and a final deadline of XXXX. 

I contacted Mr. Cooper by email on XX/XX/XXXX when I noticed that they had not paid my taxes by the initial XXXX deadline, but I received no acknowledgement. I followed up on XX/XX/XXXX and XX/XX/XXXX, when I received an email indicating that my request was being forwarded to Mr. Cooper 's " Research Department '' for further review. I also contacted Mr. Cooper 's customer service on XX/XX/XXXX and was assured that the Tax Department would review my request and take responsibility for any late fees. On XX/XX/XXXX, I received email notifications that XXXX disbursements were made from my escrow account to pay these taxes, but the payments never appeared on my DC Tax payment history. I notified Mr. Cooper of this on XX/XX/XXXX and was again told on XX/XX/XXXX that my request was being reviewed by the Research Office. 

On XXXX, I requested and received explicit confirmation from the DC Tax Office that no payments were ever received for my properties, so that day I requested detailed records of the alleged wire transfers from Mr. Cooper ( and confirmation that Mr. Cooper paid the late fees without drawing them from my account, as the delinquency is Mr. Cooper 's fault ). I also spoke with customer service on XXXX and was assured that an error in the address associated with my account ( not caused by me ) might explain the delinquency, but that at the time of payment on XX/XX/XXXX Mr. Cooper had corrected that error and remitted payment in connection with the correct address. On XXXX I received an acknowledgement letter from Mr. Cooper indicating that " If our Tax Department determines that the property taxes are due/delinquent, they will disburse the funds accordingly. '' This vague response is concerning to me because I have already established with multiple parties at Mr. Cooper and the XXXX Tax Office that the taxes ARE delinquent, so it is clear that Mr. Cooper has made a mistake and are not acting promptly to resolve their mistake. 

At the time of writing, Mr. Cooper has disbursed thousands of dollars from my escrow account to an unknown beneficiary, while my property taxes remain unpaid and accruing late fees. All I have asked is that Mr. Cooper confirm the details of the disbursements, return them to my account and/or use them to pay my property taxes by the final deadline, and take responsibility for the late fees they have caused by their inaction.
Consumer complaint received 2024-05-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: DISCOVER BANK (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a series of ongoing issues related to my mortgage assistance application with my Discover Home Loans. The process began in XX/XX/2024, and it has been fraught with delays and inefficiencies that have left me in an untenable situation. 

The reason for my mortgage delinquency is the untimely death of my spouse and subsequent loss of my job. Despite having provided a comprehensive set of documents and evidence to support my application, the lender has yet to review my request. Instead, I have received numerous rejections due to trivial clerical errors, all of which I have promptly corrected. Each time I call to find out the status I am placed on hold for an hour or more, and told that I cant speak with an underwriter. 

It seems that these minor issues are being used as a reason to indefinitely delay the review of my application, despite the urgency and gravity of my financial situation. 

This has been an incredibly frustrating and stressful experience. As a single mother and a widow, I am trying to navigate through my financial difficulties while also dealing with a lender who seems to have little regard for the hardships their customers face. The lack of empathy and urgency shown in handling my case is unacceptable. 

The current situation is causing significant stress and has put me in a precarious financial position. The continuous delay means that I will have to submit another round of documents, further extending this already lengthy process. I am committed to finding a solution to my financial situation, but I need my lender to show the same level of commitment and understanding. 

I kindly request your assistance in this matter. It is my hope that your intervention will expedite the review of my application and bring about a fair and timely resolution. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

15 usc 186b Clearly states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer.

That's aggravated Identity Theft 18 usc 1028A because they have possession of your information and they are also using it without consent from the consumer XXXX/Equifax/XXXX XXXXl XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX- Open date : XXXX XXXX XXXX- Open date : XXXX XXXX XXXX XXXXXXXX XXXX- Open date : XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (MD)

Recd propane delivery not requested on XX/XX/year>, delivery ticket shows price per gallon of {$3.00}, plus XXXX XXXX, plus XXXX XXXX {$220.00}. Initially when i called around looking to change propane providers, i spoke with XXXX XXXX XXXX XXXX who offered me {$2.00} XXXX a gallon fixed price due to my fixed & very limited income. She said complete this form so we can run a credit check & quickly she was verbally impressed with my credit report & said shed change the fixed price on the form to run credit check to give me fixed pricing of {$2.00} XXXX to help me afford to do business with XXXX XXXX XXXX their company REQUIRES them to Install a special type of valve on our furnace which also was an added cost of {$200.00} + initially plus each XXXX gallon propane tanks for XXXX tanks delivered to my residence. Each billed i have paid up till this XXXX price was {$2.00} XXXX a gallon. This delivery on XX/XX/year> was not even XXXX or 4 months after prior delivery of propane. XXXX XXXX DEMANDS the right to SHARE your data when you oay your bill on-line through their web portaloutrageous!! Exposes customers to more possible security breaches. Not a condition an customer should ever have to REQUIRED/DEMANDED to share. When I encountered an issues after this special value was installed, XXXX IGNORED my email. Next when i pointed out the initial amount of propane delivered with new tanks was NOT ACCURATELY STATED ON PAPER MY THEIR SERVICE/INSTALLATION MAN. Now when i adjust the amount owed to be in compliance with what XXXX told me & tell her same thing in an email. She cashed my check for CORRECTED PAYMENT IN FULL, FRONT ON CHECK SAYS PAID IN FULL, ACCOUNT BALANCE NOW XXXX. Therefore, i owe XXXX XXXX XXXX XXXX  XXXX & my account Balance is XXXX. Weather or not XXXX XXXX explained all these details with ARM COLLECTION AGENCY, is on XXXX XXXX, I DO NOT OWE SHARP ENERGY XXXX!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PACIFIC PREMIER BANCORP, INC. (IL)

I reviewed my credit report and noticed that i have two late payments on an account that was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account that i have screenshot inside this complaint in on date of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks. Please see screenshot.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

My friend, XXXX XXXX XXXX, passed away on XX/XX/year>. I was listed as beneficiary on his two Chase accounts, # XXXX and XXXX. An original death certificate was presented to the Chase Bank branch in XXXX XXXX, MI on XX/XX/year> and they were directed to close the account and forward in excess of {$330000.00} to me the confirmed beneficiary. I was told by the branch manager that there would be a 10 day hold placed on the account and then a check would be mail out to me. One month later, no check was received and I went into my local Chase branch on XXXX XXXX in XXXX, NV XXXX. I was told by the branch manager that some paperwork needed to be completed, which I did on the spot, and was told a check would go right out. Three weeks later and still no check, I went back to the branch and they told me a check was mailed 2 weeks prior, which I still did not receive. They tracked the check and informed me that it was XXXX to an undeliverable address. They told me that XXXX was holding the envelope for me at their warehouse and I drove in excess of 1 hour to collect it. The envelope was not there and was returned to the XXXX main warehouse. Even though Chase confirmed that it was not delivered, they insisted that I sign an affidavit that I had it received it. There was confusion about who was responsible to cancel the check and reissue its replacement. After going through several departments, the bank manager still had no idea when a new check would be isssued and recommended that I go through the account escalation department. 2 weeks later and having been bounced around between 3 account escalation managers, I was told again that they needed a form filled out, but no one knew which form. Ultimately the manager said it was rage affidavit that I already filled out, but this time they needed a Notarized one. Since they didnt have a Notary available until the following week, I picked up the form and had it notarized across the street at XXXX XXXX and immediately returned it. One week later and still no word on my money from Chase. They have had use of my money for almost 3 months and I believe that they need to pay me interest from their refusal to remit my funds. I have already closed my JP Morgan brokerage as as result of their incompetence, and perhaps their deliberate refusal to remit the funds they are currently charging others to use.