davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (WA)

I was contacted by a solar company to get solar panels on my house and one of the loan companies they used frequently is Goodleap. The solar company used a lot of tactics to get me to sign for a loan I didn't read or understand, taking their word for what was in it. The biggest problem is that the loan was structured to include a federal tax refund I would get and could either apply to my loan or keep, so it would either stay a low monthly payment or increase an additional {$100.00} a month. I informed them that I couldn't afford the higher payment and I was told it wouldn't be a problem as long as I applied the tax credit. I now know that no one ever can get a federal tax refund it's actually a NON REFUNDABLE tax credit that can never be applied to any loan or pocketed. When I started to look into these companies I found that consumers have been complaining about this to both companies for 2 years now where they were told this information. Goodleap knew I couldn't apply any money towards the loan but told me I could to get me to sign for a loan they knew I couldn't afford and ever structured the loan to legitimize their lie. They have been working with this company for several years in multiple states pulling this scam to steal people 's money. They got {$50000.00} dollars from me that I have to pay them or I lose my house. This loan company needs to be stopped. Why can't anyone stop these companies from doing this for years now they just keep getting away with it. I did email the company about this twice and the only thing they did was lower the higher monthly payment a little but I still owe the entire amount. I thought I was signing a {$34000.00} dollar loan not a {$50000.00} loan. Goodleap is just claiming ignorance and blaiming me and the worst part is that I got XXXX services and products and treatment by XXXX, the solar company. I feel like I shouldn't have to owe any of this loan because they knowingly lied to me to get me to sign. I thought this was illegal for companies to do.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Since XX/XX/2024, I have received repeated fraudulent charges on my citibank checking account/debit card from XXXX XXXX XXXX I have never had a XXXXXXXX XXXX account and never made or authorized purchases for anything from XXXX XXXX. On approximately 6 times, I've closed the debit card and had a new one issued. Yet, the fraudulent charges continue. I have called Citibank about 20 times and spend literally dozens of hours on the phone and each time I call, they have no record of my prior calls. Each time, I go through the fraudulent charges one by one, which now total well over 100 fraudulent charges exceeding {$2000.00} in total. And each time they promise a provisional credit, but I never get one. And each time I call back, they seem to have no record of me calling the prior time. Among the reference numbers from Citibank are : XXXX ; XXXX and XXXX, but there are more. 

On XX/XX/2024, I filed a complaint with the CFPB under XXXX. On XX/XX/2024, they credited me some of the charges back and on XX/XX/2024, this matter was closed by CFPB because Citibank claimed that they had credited the funds. Astonishingly, after the matter was closed, Citibank reversed the credits and has yet to provide any explanation. I have been trying to reach them for a month by email and by phone and not once have I received a response. It feels like this is deliberately deceptive practice by Citibank to avoid oversight in this matter.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (WA)

During COVID-19 outbreak, I became late on paying my mortgage. Since then, I received several messages from XXXX  Mortgage Services that they were reviewing my loan for modification ( XXXX ). On XX/XX/XXXX, I received Notice of Default on door, but when I tried to reach the Trustee 's office ( XXXX XXXX ) on XX/XX/XXXX, it was closed. 
On XX/XX/XXXX, I responded to the Notice of Default by Certified Mail by United States Postal Service ( XXXX ) with a tracking number, responding to the Trustee 's letter page 2 paragraph 5 which states : " ... if dispute the validity within the 30 days, ... the law requires Trustee to suspend its action ... ''. Even though, I requested in the letter that I wanted to have " Meet and Confer '' under the Senate Bill SHB 2421 and also, for them to reveal who the beneficiary of the Note is, the letter never got responded. After tracking the mail on XX/XX/XXXX, I saw that it was delivered to the Trustee 's office ( see attached Product Tracking Report ). 
Unfortunately, the Trustee got the letter and threw it away. At first, I filed a complaint blaming XXXX for mishandling the letter. But later, after my investigation at the Trustee 's office, discovered that the letter was handed over to the Trustee 's representative. I also discovered that the Trustee is actually is also a Real Estate Owned ( XXXX ) for XXXX with a telephone and a sheet with instructions on the desk on how to reach them. But as one of the XXXX ( XXXX XXXX XXXX who shares the building tried to call, it was not operatable phone. 
On XX/XX/XXXX, by this time I have received a foreclosure notice with the sale date scheduled for XX/XX/XXXX. I Called to XXXX and spoke with XXXX Id # XXXX to request meeting with someone whom I can talk to face to face for my modification and also ask who the Note holder was. XXXX XXXX that someone would contact me in 10 days. I have been patient not to file a complaint but to resolve the issue amicably. But it seems that their fraudulent activities will never stop until it is brought to light.
Consumer complaint received 2024-03-22
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (HI)

Southwest Airlines is offering a Chase credit card showing {$200.00} off a flight when you apply for the card. It had a screen showing my flight cost reduced from {$350.00} to {$150.00}. I clicked the link to apply for the card, and was approved. When I returned to purchase, it had the credit card information loaded but is no longer offering the {$200.00} off. I also checked online and it seems a lot of people are having the same problem. It feels like a bait and switch. I would not have opened the credit card if they were not offering the credit. Id like either the credit on the original flight and fare, or card cancelled, but Im concerned cancelling the card will ding my credit score.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Westlake Services, LLC (AR)

They call at all hours of every day of the week for example XXXX XXXX week days and even Sunday at XXXX this is unexceptional normal business hours are XXXX XXXX XXXX XXXXXXXX I feel this company is harassing me with calls we have provided a solution to pay and they have denied payments thru them.
Consumer complaint received 2024-05-05
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. (VA)

This letter is in response to your recent claim that XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Consumer complaint received 2024-03-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KS)

My father is XXXX XXXX XXXX, and is in the last stages of XXXX XXXX. At this time he has no financial assets left. He lives in a XXXX facility and is currently being supported by my siblings. In late XXXX of 2023, my mother passed away. Due to my XXXX  loans, which I unfortunately had my father cosign on, all credit they held was in her name alone. When she passed all of their credit cards were shut off and he is unable to get credit. HE has no assets left for the student loans to attach to. He has a loan against his car, he has no home, no IRA. My brother pays the rent on his XXXX XXXXacility. I am currently paying the student loans with auto payment, and they are current. At this time the sole purpose of leaving my father on the loan for Navient is to cause him harm in what will be his final year of life. I am not asking for the cancellation of the loan, I just want him removed from being harmed.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
New York, NY XXXX Dear sir, I have decided to write a letter to ask one question on my email address, XXXX, on XX/XX/year>. Your email notified me that I have requested to locate some transaction on my Chase credit card ending XXXX. Since last summer, I had several issues with your bank on my credit card. I was illegally charged, and the cards are replaced several times. I believe I did not receive a new card once. Therefore, I am on check whether it is safe to use your bank credit card. Then, as I stated in the letter of yesterday, I received an email to my XXXX account, which I was not clear whether to be registered into the bank website account. Today, I received another letter, which tells above mentioned questionable information of transaction, I checked my account online and found out XXXX email address, therefore I deleted it. Also, I checked the telephone numbers. I tried to delete XXXX, which I do not use anymore. The concern is the number XXXX. Clearly, I do not recognize this number. I have never used and got this number in the United States and globally. It is different with my husbands telephone number, XXXX. Therefore, I would like your company to delete this number, XXXX. Since I am a victim of fraud, I request your company to investigate why this number, XXXX was added into my private and personal account online. 

Sincerely,
Consumer complaint received 2024-03-22
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 (CA)

I had a wrongful charge placed on my credit card on XX/XX/XXXX from XXXX XXXX. this charge was not supposed to be charged to my credit card. I opened a dispute for the charge and after several months of going back and forth with discover, the ultimatly ruled in favor of XXXX XXXX for the charges and forced me ( XXXX XXXX ) to pay the {$92.00} charge. discover stated, that they released the funds BACK to XXXX once the dispute was ( resolved ) on XX/XX/XXXX. i have spent countless hours on the phone with discover trying to get this resolved and get the merchant paid so I can move forward. but now the merchant is contacting me stating they have not received payment from discover. I am now having to go back and forth between the XXXX companies and am not getting help. when i call discover, they state " the case has been resolved and is now closed '' there is nothing further they can help me with. when i contact XXXX about the payment they state " they have not been paid by discover and that I still owe them {$92.00}. discover has charged my credit card back the {$92.00} and i have paid it. they are not helping nor are they willing to help when i call. this charge should never have been placed on my account, and XXXX submitted proof TO discover stating I only owed {$25.00} ... .not {$92.00} but discover still ruled that i was liable for the {$92.00} charge.
Consumer complaint received 2024-06-08
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. (NV)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX XXXX Balance {$450.00} XXXX  XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have always paid on time, and I'm certain of this. What I'm unsure about is why this company is reporting me as late in certain months, which should not be happening. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I've been a USAA FSB member for 36 years. My wife has been a member 8+ years. We share a checking account with separate debit cards. My wife attempted an over-the-counter transaction on XXXX XX/XX/year> and the transaction was denied. USAA would not tell her anything ; she was 'not on the account profile '. I called USAA and was told there was no problem with the account. Subsequently our checking and savings accounts were locked and remained locked approximately 36 hours. We made numerous calls to USAA customer service and were eventually told there was one attempted fraudulent transaction in another state. We were not notified of this transaction as had been the case in the past. We also found out that USAA had blocked my debit card, without notice and without reason. The Customer Service reps do not seem to be able to do anything except read their script. I received an email from a 'Customer Advocate ' two days ago ( ten days after the accounts were blocked ) telling me that she would be in touch 'shortly ' ; I have still not been contacted by this person, nor has anyone returned any of the four voice mails I made attempting to contact her. To date ( 12 days after our cards were blocked ) we have not received replacement debit cards, which has created a significant hardship for us.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

I was sent an IDR renewal and on the letter it says that if my IDR renewal date falls within 6 months of XX/XX/XXXX or in other words before XX/XX/XXXX it will be extended by 1 year. I look in my account and it says my renewal is today XX/XX/XXXX. I called mohela several times last time spoke with supervisor XXXX ( XXXX ) on XX/XX/XXXX and was told that indeed my IDR deadline will be extended by one year to XX/XX/XXXX but that they can't update this information on my account in a timely manner. I have been on hold with mohela for over 2 hours because they said they may be able to send written documentation as proof for me to have... which was submitted as escalations documents IDR but one on XXXX and one on XX/XX/XXXX but they cancelled XXXX and flagged the other as a duplicate. 

Request mohela to update my account to reflect my IDR recertification deadline extended by 1 year to XXXX or XXXX of XXXX and send me a letter to that effect. It is very confusing to get one information on the phone and another in the account with its various warnings and such. I can't afford to make any mistakes.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (SC)

I reached out the collection agency in an attempt to have them verify the debt and was unsuccessful. I tried accessing their portal via telephone and website but my information doesnt match any open files with them. They have managed to put this unverified debt on my credit file. This debt could be more than 10 years old, and I have never acknowledged or made a payment to this company to restart any sort of collection process.
Consumer complaint received 2020-12-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (MO)

Got a call from a debt collector direct recovery services was told I owe XXXX bucks and the will settle for XXXX. Said debt was taken out from XXXX XXXX. Called XXXX XXXX and they have no record of it.
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC (NJ)

When my mortgage was initiated the loan to value was 85 %, so I was charged a PMI ( Private Mortgage Insurance ). I made additional payments towards the principal and on XX/XX/XXXX, my loan to value was 76 %. 

I received a letter from my mortgage servicer, RoundPoint Mortgage Servicing LLC that " PMI will automatically terminate on the date the principal of your loan is first scheduled to reach 78 % of the original value of the property ''. 

Subsequently, I was charged PMI on XXXX XXXX XXXX XXXX even though I was below the 78 % mark. 

As of XXXX, I made additional payments to the principal, and my loan to value was 67 %. 

I reached out to XXXX  to request the removal of the PMI, however, they advised me that I need a new valuation, which will cost up to {$600.00}. 

I understand the need for a PMI initially, however, I do not think that I should be charged {$600.00} for a new valuation if I have reached the point where the PMI should be removed automatically.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I submitted an ACH wire transfer request to US Bank for {$12000.00} to pay a vendor for services rendered to my trade show company. I later found out that my email had been hacked and I was the victim of a sophisticated hoax in which the hackers had impersonated my vendor and made the request that I send the funds to a fraudulent bank account. Upon further research, I found I had made another transfer to another vendor on XX/XX/XXXX via US Bank under the same circumstances for {$7200.00} After informing US Bank of the hack, they researched the fraudulent activity and found the circumstances in my favor and on XX/XX/XXXX they refunded the {$7200.00} amount back to my business checking account. 
I am filing this complaint because US Bank denied my claim for the {$12000.00} amount. When I contacted the fraud department on XX/XX/XXXX via phone to ask why they would deny this claim and approve the other, XXXX XXXX declined to give last name or direct contact info ) agreed that the ACH transfer was processed identically to the first one for {$7200.00}. But then she then went on to tell me that the processing time was different. I told XXXX that the {$7200.00} claim happened before the {$12000.00} and she then told me it was denied because the amount was larger!! I asked to speak to her supervisor, XXXX XXXX also declined to give last name and contact info ) XXXX offered to send back up documentation supporting their decision to deny the larger claim. I received 4 copies of computer printouts with writing so small as to be completely illegible. ( Attached ). Realizing that a real person had to print these out and put them in an envelope and mail them to me, I find this response extremely insulting and unprofessional.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

A purchase was made and the item received were all damaged. The company would not pay for the return fee. And the card told me they would dispute the charges. I was told that I should not pay the bill and they would handle the refund to my account. Months later, the put a nonpayment alert on my credit with damage my credit, after the assured me that the would handle the refund on my behalf. SYNCB/PPC 30 DAYS LATE Credit Cards
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

On Thursday XX/XX/XXXX, there were XXXX transactions from a website I have used in the past on my chime debit card, never on my Chime credit builder card due to it being new to me. I do not reconize these transactions were not me and I would like to just get my money back. So I can then end my relationship with Chime. I filed a dispute on XX/XX/XXXX and my claim got denied within 2 hours with no explaination. I just want help getting my money back I have lost so much money due to chime not doing proper investigations. There is XXXX dispute ids, XXXX is Dispute # XXXX and Dispute # XXXX
Consumer complaint received 2023-10-23
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. (NJ)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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