davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I purchased {$940.00} and on XX/XX/XXXX, I purchased {$500.00} worth of goods using XXXX XXXX XXXX XXXX XXXX Issued by Citi Bank ( XXXX XXXX XXXX XXXX XXXX from XXXX XXXX under promotion of free interest for XXXX months and XXXX months. 
On XX/XX/XXXX, I paid minimum payment of {$29.00} as required by XXXX XXXX XXXX XXXX. 
I made additional purchase of {$290.00} worth of goods. 
On XX/XX/XXXX, I paid a total of {$320.00} ( minimum payment of {$29.00} + {$290.00} ). 

XXXX XXXX XXXX XXXX charged me {$3.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as Interest Charge on Purchases. 

I called XXXX Customer Service number on the back of card to dispute the charge and waive the Interest Charges. The customer Service waived {$4.00} but did not waive {$3.00}. She said I will be charged interest on {$290.00} until the balance of {$940.00} and {$500.00} is paid off and I can not pay off {$290.00} until I pay off {$940.00} and {$500.00}. 

On XX/XX/XXXX, I paid off balance of {$940.00} and {$500.00} and closed off my XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has a balance of {$3.00} that it wants to collect from me. 

This is a scam saying XXXX months and XXXX months interest free promotion.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (CA)

My mortgage company sold my mortgage to another mortgage company. Their action lowered my credit score through XXXX now saying due to the time I have had my mortgage. I have never made a late payment, I always pay more than the minimum amount due and I did not ask for a change in companies. Why should I be penalized in any way just so a mortgage company wants to make more money? My mortgage has been sold 4 times in less than 12 years. I would guess because I have a very low interest rate. 
I will never be able to change this abusive practice as I am XXXX XXXX XXXX and will probably die before they continue to sell my mortgage keeping my score lower. I have no other debt.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

I disagree with the RESPONSE FROM CHASE for the adverse action denial letter ref # XXXX I received on XX/XX/year> regarding an open-ended consumer credit plan. SO, BEFORE I REPORT THIS COMPANY FOR SECURITY FRAUD TO THE SEC FACT : I was denied. 
FACT : In the denial letter it was stated that my current credit report WAS USED to do so. 
FACT : 15 USC 1681i states I have the RIGHT to dispute this denial FACT : IF I CONTINUE TO BE DENIED YOU WILL BE IN VIOLATION OF 15 USC 1681 WILLFUL NON-COMPLAINCE FACT : NO COMPANY CAN PULL MY CREDIT FOR ANY PURPOSE OTHER THAN CHILD SUPPORT 15 USC 1673 ( a ) ( b ) ( c ) Public Law 90-321 FACT : No company can legally report ANY LATE PAYMENTS ON MY CREDIT REPORT 15 USC 1666 ( a ) Timing of payments, it also clarifies how to use the opened consumer credit plan by signing each statement accepting for value and returning FACT : I WAS DENIED BECAUSE YOU WANT ME TO PAY WITH DEBT NOTES AND THAT IS NOT A LEGAL FORM OF TENDER FACT : 15 USC 1666 ( b ) Grace Period states, I have time to repay any portion of this without incurring any additional finance charges FACT : WHOMEVER CHECKED MY CREDIT REPORT FOR THIS OPEN-ENDED CONSUMER CREDIT PLAN DID IT UNLAWFULLY AND UNJUSTLY. 
YOU ARE BREAKING THE LAW
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

XXXX XXXX Account # XXXX Equifax Mortgage Service XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Ive been an American Express client since XXXX having credit card and savings accounts with them. My current credit card with them is the XXXX XXXX XXXX, which has an expiration date of XX/XX/XXXX. I also have a high yield savings account with Amex that I opened several years ago. 

On Thursday, XX/XX/XXXX I logged into my American Express app in order to view my rewards points. Unfortunately, once I logged in I was notified that my credit card was cancelled by American Express due to inactivity. Next, I called American Express to find out what happened and whether I could still access my rewards points. The agent told me that my account was closed in XX/XX/XXXX due to inactivity and that my points were forfeited. The agent told me that that they notified me about the closing. I never received any notification about the matter. The agent told me that they didnt have my email address on file but that they sent it to my mailing address. Unfortunately, I never saw the mail notifying me of my account closure. I feel that American Express has wrongly closed my account because it did not adequately notify me about my account closure. Had they done so, I could have made the necessary steps to avoid losing my rewards points. 

I have lost XXXX rewards points due to their deceptive account closure. I would like to get these points back as I earned these points through my customer spend.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This is the second complaint to the CFPB about Portfolio Recovery Associates. 

This first complaint being in XX/XX/2023. Everything about that complaint still stands. They said they would stop contacting me, they sent me a letter with settlement options. 

They have not provided a proof of purchase agreement for said debt. The validation letter that they say was documented proof, was not sufficient, because it did not contain my WET signature as proof that said debt could be sold/acquired by them. 

They also have not been removed from my credit/consumer reports and it is negatively affecting how I can move forward financially. 

My credit reports are also inaccurate, saying different things throughout and nothing is matching except that its all inaccurate. How can an account be open and closed at the same time? 

Knowing that Portfolio Recovery Associates had a lawsuit on them that they lost in 2023 ( around the same time as my first CFPB Complaint ) for the same reasons that XXXX complaining of and I did not get compensated through, is another consumer injustice from them towards me. 

Being that after many disputes and complaints the debt still can not be properly and timely verified, solidifies and proves my stand on the debt to be completely and permanently REMOVED from my accounts, reports and bureaus. 

Included with this complaint is a screenshot of some of the inaccuracies and a picture of the settlement letter they sent after being told and notified that I would no longer be contacted.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices.

Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2024-03-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (CA)

Beginning XX/XX/XXXX first payment I was confused on payment, I paid the first payment however there was a delay on Freedom Mortgage redraw of the payment which unfortunately led to multiple NSF ( non sufficient fund fees ). The problem started with that issue, being behind I called Freedom Mortgage spoke to a representative that informed me that I could do forbearance plan that I could pay for 3 months. Being a first-time home buyer I was unaware of the stipulations of a forbearance plan, I did not know that it would further put me in delinquent amount. The representative did not explain any information that pertaining the forbearance stating that I would receive information via mail in which again I did not receive, for months I have spoken to numerous representatives over the months that have completely gave me wrong information each time and has continued to make my delinquent problem a larger problem. On XXXX of XXXX I applied for a loan modification that was denied due to debt : income ratio, if this was the case how would I have gotten a home loan? my debt-to-income ratio has not changed. But yet again instead of notifying me that my application was denied, Freedom Mortgage automatically enrolled me into a forbearance program. I have been in forbearance programs since the XX/XX/XXXX incident. I see no way to get myself out of the dilemma and Freedom Mortgage is untrustworthy and I do not feel comfortable to speaking to a loss mitigation representative nor a supervisor of that department, they are liars and unsupportive of my situation, please pull call logs from them, also I would like to add that since this situation my credit has dropped drastically, I can not even get a loan to pay off amount that I owe, I will provide whatever information you need. I do not want to lose my home. I am a Veteran, and I am struggling. please
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

The lowes  Synchrony XXXXredit card just started charging a XXXX  dollar fee for a paper statement. I was charged XXXX on XX/XX/year> for a normal monthly billing statement. To top it off you can't get statements and determine where you are with their credit card on their website. It's almost like they don't want you to know where you are on your balance. Less clear information may be their motto so that you stumble and not pay your zero percent credit card to mess up your credit and they can make money.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (MI)

As I stated previously, I now have a total of XXXX mailed inquires to verify a correct address. The requests are mailed to me at my address but in someone else 's names. This week I got a debt card XXXXXXXX XXXX to my address but in someone else 's name. All of these are from US Bank. We have no US Bank accounts of any kind. I've called US Bank twice and asked them to investigate. They said they would investigate but would not call us with the results.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

I've asked Barclay Credit Cards to close my account and they refuse. I open the account under false advertisement ( attached false advertisement ad that Barclay Credit Card refuse to honor ) causing damage to my credit score and because of that reason I want nothing to do with this horrible credit card company and I want the account closed ASAP. Ive never used the card and never plan to do so.
Consumer complaint received 2024-03-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (TX)

i recently went into XXXX  XXXX XXXX  on XX/XX/1924. 
the XXXX XXXX program paid off all my arrears on the mortgage, with the exception of a XXXX or so. it paid XXXX. 
bsi is now showing a current balance of pre-petition arrearage, of XXXX. 
i have sent emails to XXXX with bsi, and have not seen it corrected as of yet. 
please have these arrears corrected on my account. 
ty
Consumer complaint received 2024-03-21
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (IL)

I made an online purchase from express.com in the amount of {$480.00}. The items were delivered in 3 separate packages with 10 of my items being delivered on XX/XX/23. When I got home from work I didnt see the package on my front or back porch. I knocked on my neighbors door to see if they had grabbed my package no one saw/had the package. Looked up the proof of delivery there was no photo but it said the package was received by XXXX. ( using initials ). No one lives at my residence by that name, furthermore everyone at my address was either at work or school. I filed a missing package complaint with XXXX, tried to get a reshipment/ replacement from Express, waited 30 days for them to locate my package or get approved for a reshipment without success. Finally, I contacted Commenity Bank for assistance. After waiting an additional 90 days the bank says we cant help and we have not approved your dispute. I dispute the resolution again this time submitting all the paperwork from XXXX, receipts, and etc electronically with the same result. It can not be the expectation that the consumer should be responsible for logistical failures and for the bank to also not want to help is very disheartening. Now Im being held responsible for a purchase that I have yet to receive 5mo later!
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, at the Bank of America office at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the manager and I made a Wire international transfer in the amount of {$10000.00} ( EUR XXXX ) to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). 
The bank manager, when filling out the recipient 's details, made a typo when specifying the Recipient Account Number. 
The transfer did not reach the recipient and also did not return to my account at Bank of America. 
Please help me get my money back.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have submitted multiple payments through my checking accounts at XXXX  XXXX XXXX. They would return the payments, return the funds to my accounts, and then charge me fees. I have had to do this multiple times. Even when I transfer funds when a payment is pending to be paid from the account the bank would still return the payment. Then this causes other issues with creditors. I have communicated with XXXX XXXX XXXX about these errors and they refuse to acknowledge them at all. I have sat with multiple bankers and managers and they inform me to call and explain to the bank. I have been a client for almost 20 years and I have never been treated this way. This practice is similar to the ones cited below. This has caused XXXX XXXX XXXX to settle a class action lawsuit. 



XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

The company literally makes it impossible to reach a representative. They send you into circular phone menus, end the call by telling you that you called the wrong number to solve your issue, and then provide the same phone number you dialed. 

Asking the system verbally to talk to a representative or pressing XXXX  ' repeatedly accomplishes nothing. 

This company clearly has phone systems designed to make it impossible to reach a representative to solve your issue. The phone menus do not come close to providing options for a matter such as I had regarding insurance policy management. 

This company seems to have engineered a system to show disrespect and disregard for its customers. It imposes significant costs on its customers, who must spend inordinate amounts of time interacting with its systems, which seem designed to thwart a customer from reaching a person who may solve a problem, ostensibly saving them the costs of such interactions.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AR)

I have a " Visa Signature Rewards '' credit card with my Fidelity account that I believe is managed by Elan Financial Services, because this is the fine print at the bottom of that page on their web portal : -- -- - Credit card information, statements, and card terms and conditions are provided by Elan Financial Services Fidelity XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm having repeated difficulty with Fidelity holding deposited funds for additional days, resulting in returned auto-draft payments for the affiliated credit card account and substantial ( {$41.00} each ) returned payment fees. Fidelity has given me inconsistent and incorrect information regarding the " funds availability '' of deposits into the individual cash management account from which the credit card payments are auto-drafted each month. The general excuse from Fidelity seems to be " we're not a real bank '', so unlike banks, they aren't required to abide by the XXXX XXXX XXXX requirements. I was told previously that for deposits ( check photos by phone ) under a certain amount, the funds are available the next day, otherwise it's XXXX days. I've complained about this several times previously, and each time I'm told a different limit- {$600.00}? {$250.00}? but today I was told any funds are held XXXX days. Regardless, I made a deposit on XX/XX/XXXX of {$390.00}, saw it was " available to trade '' on XX/XX/XXXX, yet my credit card auto-draft payment was returned and I was again charged a {$41.00} returned payment fee. Elan Financial has previously refunded a few of these fees, but the underlying issue between Fidelity and Elan remains.
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

Dear Sir/Madam, I am writing to bring to your attention Transworld Systems Inc has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 

It has become apparent that Transworld Systems Inc is in clear violation of my consumer rights. They have engaged in false, misleading, and deceptive practices, including placing a collection account on my consumer report without providing necessary disclosures. This action directly contravenes 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) A. 

I want to make it unequivocally clear that I dispute owing any and all debts to Transworld Systems Inc. Furthermore, I am hereby revoking all rights for Transworld Systems Inc to communicate with me via email, text, or phone calls. 

In light of the above, I demand the following from Transworld Systems Inc : 1. Immediate validation of the debt in accordance with federal regulations. 
2. Disclosure of the purchase agreement between Transworld Systems Inc and the original creditor. 
3. Proof of licensing and bonding to collect debts in my state. 


I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure my consumer rights are protected. 

Thank you for your attention to this urgent matter.