davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My loan was sold to LoanCare Inc from XXXX XXXX XXXX. The loan was completely transferred over on XXXX My homewoners insurance was due to expire on XX/XX/XXXX. I received the bill from XXXX for the new homeowners insurance and forwarded it to LoanCare to pay it. LoanCare made a disbursement on XX/XX/XXXX from my escrow account in the amount of {$880.00} for the renewal of my homeowners insurance. My initial homeowners policy document for XXXX  went out XX/XX/XXXXXXXX  and this was all transferred over to LoanCare when they purchased the loan. 
On XX/XX/XXXX, I received a letter in the mail from LoanCare stating that my hazard insurance had expired and they were going to purchase homeowners insurance for my property, and that I would be responsible for the period during which the insurance they buy is in effect for that which I do not have insurance. 
I sent them my renewed policy, which was renewed and finalized as of XX/XX/XXXX. My XXXX agent XXXX XXXX can confirm that there was no gap in coverage, and that LoanCare themselves submitted the payment of {$880.00} for the policy on XX/XX/XXXXXXXX I have a copy of the email from LoanCare with this information and a screenshot. 
I have read all the one star reviews on LoanCare, and have seen similar complaints where they attempt to sham people out of money by claiming they don't have documents, or failing to transfer documents in a timely manner such that the people who are diligent about making their payments are not only held accountable, but are scammed out of more money. 
I have never had this happen with any other servicer. I believe this company is a scam. I am going to be charged at least a month 's worth of very expensive insurance that this company went ahead and purchased, when I not only had the policy in the works since XXXX of this year and finalized timely on XX/XX/XXXXXXXX  ... ..BUT THEY PAID THE NEW POLICY RIGHT OUT OF MY ESCROW ON XX/XX/XXXX!!!! 
Please please please investigate this company. If I dont pay for their insurance, i'm sure they will turn me into collections. Read the reviews on XXXX, XXXX, XXXX... ..everyone has a horror story about these people. Again, I have been a mortgage holder for quite some time and have had many servicers. This is a first where a servicer is charging me for something already in place ( my insurance agent and I are meticulous about my policies and making sure everything is up-to-date and timely ), AND THAT THEY THEMSELVES MADE THE PAYMENT FOR!!!! 
Is there any way I can switch to another servicer???? 
We should be able to do this. I work very hard and pay my bills and mortgage in a timely manner. This to me is a blatant attempt to steal money from me. I am going to speak to an attorney this week as well. Please have them sell my mortgage and please please investigate this company. 

Thank you so much!! 

XXXX XXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

I received a {$50.00} AMEX gift card from a family member on my XXXX birthday. Unfortunately, this gift card has been giving me a lot of trouble. Unlike the other gift cards I received, such as XXXX and XXXX, this AMEX gift card is not accepted anywhere. 
- - - I have tried using this gift card both online and in brick and mortar stores, at restaurants and grocery stores, and even on XXXX and XXXX wallet, but no one will take it. I tried calling the customer service number on the back of the card, but all I got was automated prompts. Eventually, I found an alternative AMEX customer service phone number for members, and although the woman who I spoke with was pleasant, she had no answers to help with my issues. 
- - - I was transferred to the prepaid services department after the previous representative was unable to resolve my issue. However, even they were unable to assist me and suggested that I continue trying to use the card at different merchants until it works. This left me feeling helpless and frustrated, as I was not offered any resolution. The prepaid services representative explained that the reason why I was having issues was because AMEX was providing me with financial protection, which confused me because it seemed as though the financial protection was for the funds from me, the person entitled to the money. They were also unable to tell me where I could use the card, despite their website claiming that it could be used anywhere that accepts AMEX. This was obviously a misstatement. At this point, I am at a loss and all I want is the {$50.00} that is owed to me as soon as possible. What was supposed to be a birthday gift has turned into a personal nightmare for me. 
- - - It seems like the AMEX gift card system is not functioning properly and is designed to take a few extra dollars from American consumers. Merchants who claim that they are unable to use this card are allowed to place small pending charges on it, which further restricts the ability to use the funds given. This gift card system appears to hold legal tender hostage and falsely advertises that it can be used anywhere that accepts American Express cards. Unfortunately, this is not the case for some of us, and it is frustrating to be told that there is nothing that can be done about it. 
- - - I am facing difficulties in resolving my issue with AMEX customer service. Even the original purchaser of the gift card has tried to help to no avail ( inconveniencing her ). Unfortunately, my money is inaccessible and all I want is to get the total balance of my card in cash or check. This will help me move forward with my life. Can you please assist me in this matter? 
- - - Below is the Gift Card Information : -- - AmexGiftCard.com -- - Card Number : XXXX XXXX XXXX -- - Exp : XX/XX/32 -- - Security Code : XXXX -- - Available Balance : {$50.00} - - - Respectfully XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. Also, I provided them several copies of the police report and they have not complied in removing any of the negative information on my report. I explained that the collections account that is being reported is incorrect. Ive also reached out to an XXXX XXXX XXXX   manager about the negative information thats being reported on my credit report. She reviewed the account and realized that I paid the account off in full and it was XXXX XXXX XXXX that owed me {$6.00}, in which they sent me a check. However, when I requested they send me a copy of the information, so I can prove it to the credit bureau. They stated that the account was closed and that they are unable to provide me a copy of the information to send to the credit bureau, but they will remove it. Which they never did. 
I have explained the later payment to XXXX XXXX  and the credit bureau was due to fraud and identity theft. I have spoken to XXXX XXXX  and they stated they will remove it, yet its still there. I explained to the credit bureau that the DMV has informed me that there are 2 other individuals in XXXX Florida that has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau still refused to request a copy and continue to retain the information on my report. 
Ive also explained to the bureau that the information amount on the student loans is also incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no result. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CT)

I made a deposit on coinbase, Like I have many times before. No where in the process of depositing the money did it say it wouldn't be immediately accessible like all other prior deposits made on the site. They refuse to help me get my money returned or unlocked.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NV)

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The Covid 19 Pandemic destroyed me personally as well as my XXXX. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a XXXX in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Consumer complaint received 2023-08-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Click n' Close, Inc. (CA)

In XXXX I purchased my home through a FHA loan to XXXX mortgage. Moved to XXXX in XXXX. XXXX & XXXX sold my account to a different bank which was not able to contact me ( as I was living in XXXX and again sold the account to a loan service provider in XXXX. Since XXXX the mortgage has been sold from aone service provider to other, each one increasing my payments or adding special taxes not aplicable for houses in XXXX XXXX. The new lender called Click & Close again is charging me more than what they should so I requested them copy of the contract to verify the amounts of money they are charging me but they dont send me any evidence of a valid contract. They keep sending me the original contract ( Deed document ) I signed back when I purchased my home, in XXXX, and other documents I signed with XXXX Mortgage but they dont provide me evidence of the amount of money owed at the moment they bought the account for me to confirm why they charge me such a high monthly payment and taxes. They can't charge me that amount as Ive been paying my house for more than 20 years. It doesnt make any sense that XXXX  years later Im paying more than before. Please help as I believe this company is illegally charging me money unrelated to my home mortgage. I dont believe they even know how much is the remaining balance for that loan ( just a few years more ) .I have the original title for my house where I signed the contract. They provided me a new title ( deed ) not signed by my with a different price for the property. But it shows a different mortgage bank, not them. This was when XXXX Mortgage sold the account to another bank. See documents attached are dated XXXX ( original deed ) and XXXX ( when XXXX mortgage sold the account to another bank in XXXX XXXX. Not to Click & close or Midamerica mortgage.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi, I have been a CapitalOne customer for over 4 years now. I have a Quicksilver credit card. Last year in XX/XX/year>, I used the credit card at a spa in Massachusetts. The spa automatically signed me up for auto-billing for {$80.00}. I told them in person, over the phone and via email that I am not interested in a monthly payment plan. The spa acknowledged this but went ahead and charged me for the months of XXXX and XX/XX/year>. I filed a dispute with CapitalOne. For the month of XX/XX/year>, the merchant accepted that they were at fault and CapitalOne resolved the dispute by crediting me back. However, for the month of XXXX, CapitalOne says that the information is insufficient. This doesnt make any sense because it is the same merchant, the same card, and the same amount that was billed for two months. If the evidence for one is sufficient how can it be insufficient for the next month? I have called the customer care and escalated it to the managerial level several times. Each time, they ask me to send evidence and then it never gets resolved. This has led to late-fees and interest accumulating on my card and has affected my credit score. On top of this, I keep getting calls from debt-collection asking me to pay the amount.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On/about XX/XX/year> Chase Bank decided to abruptly close my account. The same week my paycheck was being directly deposited into the account. I went to the ATM and could not withdraw my funds. I went to the bank in person and they could not provide me with any further information other than to tell me the account has been closed and they will mail my funds to address on file. It has been 5 months now and everytime i call to inquire Customer Service they tell me its " under review ''. The last call I made was XXXX and the CSR rep named XXXX at XXXX option XXXX, told me the funds are still under " review for claims to be paid ''. I asked what that mean and who has made claims against the funds, however the rep could not answer me and thus transferred me to another department named Claims on-line department and spoke with XXXX who said she could not help me. I explained the situation thoroughly and asked her to take her time processing my facts before transferring me again. XXXX transferred me back to CSR where I spoke with XXXX. I explained to XXXX again what I have been explaining to everyone else. At this point I have been on the phone with Chase for 55 minutes. He placed me on a brief hold which lasted 12 minutes. He told me he will transfer me to the Retail Escalation Team/On-Call Supervisor but before he transfers me he will explain to them the situation so I can have my money. He transferred me back to the queue where the wait time was more than 40 minutes. I want my money now and Chase is ROBBING me at this point!! I was picked up by XXXX and she said she is going to send and email to another department to assist me however XXXX could not provide me with name of the department or number for such department when asked how and when would I get a resolution or follow up and from whome. XXXX got frustrated and put me on hold to transfer me out of her queue. The call has been going on so far for 1hour 20minutes and 13 seconds. I was transferred to XXXX at the KYC Team ( Know Your Customer ) who teold me that she will be transferring me to the claims team. At this point I have been transferred 7 times. 1 hour 37 minutes 22 seconds later. I gave up frustrated and with tears in my eyes.