davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My equity line of 10 years was due to expire in XXXX. I attempted to refinance it but Citizens bank denied me credit based on my reduced income due to Covid loss of business. With no option my payment was doubled. Citizens claims to have sent me mortgage statements each month with the amount due but I have received none. I paid the bill via my online banking app and placed recurring payments via Auto pay. When I noticed I was double paying I called the Citizens Mortgage department. They said they were pulling from my account via what they called Autopay. I agreed I'd cancel my autopay and they would debit my account for the payment. They did not and I recieved a {$20.00} service fee. I called again, set up auto debit through the mortgage department and agreed I'd cancel Autopay through my on line bill pay. Again, it did not happen and I recieved a {$20.00} service fee that they now refuse to waive because company policy allows for only one credit ( even though they made the mistake ). They have two seperate Autopay services. Mortgage Autopay pulls the money from your account and Online Autopay sends money from my account. I want them to debit my account and return the {$20.00} service fee. The supervior XXXX XXXX XXXX  that I spoke with Monday morning XX/XX/XXXX refused to refund the charge and refused to provide me with an escalation path. This issue remains unresolved.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (CO)

I have held an account with Brink 's Money prepaid mastercard or better known as Netspend for several years. I recently added a secondary cardholder to my account. The secondary cardholder who was not related to me or a spouse deceased and as a result Brink 's Money ( Netspend ) closed my account and removed my ability to access the funds within the account. I have contacted Brinks money several times trying to regain my access to the account. I have submitted documentation requested by Brinks money in an effort to regain access to the funds in my account however the company has continued to refuse to provide me with the balance of {$21000.00}. The last time i contacted Brinks money was on XX/XX/2021 and the representative stated that because the primary account holder was deceased that it would be impossible to receive the balance. I explained that I am the primary account holder and that I have not deceased. I was advised to contact the Social Security Administration to rectify the situation. On XX/XX/2021 the SSA confirmed all their records and verified that no such notice was sent to any financial institution. Netspend is attempting to steal XXXX of dollars that I am entitled to and that belong to me. I have tried working with the company however they fail to provide me with my money. As a direct result of this financial institution I am suffering hardship. I followed up and called Brink 's Money on XX/XX/2021 and they clarified that since the secondary cardholder had deceased that my account was permanently closed. They also stated that the remaining balance would not be remitted to me although I am the primary accountholder. This is unfair, unethical, and theft.
Consumer complaint received 2016-09-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I paid off my mortgage to Wells Fargo on XX/XX/2016. As of today, XX/XX/2016, I have not received my escrow disbursement in the amount of {$3000.00} plus. We 're in our 3rd week now, and still waiting for our money. 
I have spoken to Wells Fargo twice, but only get the runaround : It 's been disbursed. It 's being reviewed. It was mailed on XXXX ... .around and around. Based on the fact that their CEO XXXX XXXX is in XXXX after being fined XXXX dollars, I feel compelled to complain about what appears to be a culture of corruption. And thank you Senator XXXX XXXX for this site.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

I signed up for the Chase United Airlines XXXX Credit card through XXXX The chase website stated that upon approval, i would receive 75,000 united miles after spending 3000 $ within the first 3 months. Upon approval of the card, Chase stated that the promotion actually requires a spend of 5000 $ within the first 3 months. My husband and I are both having the same issue. He opened a case, and escalated it to the appropriate department, provided website addresses, and even had the agent who opened the case go onto the website address provided, and confirm that the website does in fact state the 3000 $ spend amount. The website also stated an expiration date of the promotion of a month after the application date. After 4 weeks, he was told that ours offers are still 75,000 points after 5000 $ and there is nothing they can do about it. I have screen shots which i had taken during both our applications for documentation. Chase bank also has a recording of the agent who opened my complaint confirming that the website was indeed showing the wrong information. 

He filed a case with the CFPB last week, and was told by the chase executive team member XXXX ( extension XXXX ) that I would need to file a seperate claim in order to have this investigated. I am therefore filing a claim for the same situation. Feel free to pass this claim along to XXXX in order to same time.
Consumer complaint received 2021-04-26
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. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly. I've attached letters I sent over 50 days ago and including a new set of letters demanding a response
Consumer complaint received 2021-04-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (LA)

Hi, On Friday XX/XX/2021 Chime Bank put a whole on my account. I called and was told to email them documents. I emailed the documents that they asked for and still havent heard anything back. Ive been with Chime for 1 year now and nothing like this has ever happened. When my account was closed I had XXXX dollars in my savings account. I have no access to my money now. I called and was told I only have XXXX in my savings. That means my other XXXX is missing. Did chime take it?? I really need my account opened ASAP! I need my hard earned money back I have XX/XX/XXXX small children to care for. Something needs to be done immediately. Its not fair
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

today i ordered on citi.com a new virtual card with a maximum limit of {$75.00} attached to the primary credit card and i have placed an order on XXXX XXXX like i did yesterday with the another virtual card attached to the dsame citi credit card for some unreason todays ' purchase was considered as " suspicious '' activity and they have blocked the current payment and the card usage and they requested a phone call SINCE I HAVE REQUESTED AND REGISTERED THE CITI CARD WITH A ONLINE BANKING, THEN OBVIIUSLY I DO NOT USE ANY PHONE SYSTEM BECAUSE I USE THE INTERNET I WANT TO REPORT A SUSPICIOUS ATTIDUDE : they consider a online banking, like a phone voice system and they do not understand the difference between a internet connection and a voice line I WANT TO REPORT ANOTHER SUSPICIOS ATTITUDE : they consider a maximum purchase of {$75.00} a big amout of dollars, so that's our suspicious, perhaps the bank does need a fnancial help from the XXXX goverment as usual plus i wan na conform that i have made a password reset and the usual voice call arrived on the phone number on file with the usual code and i have placed that code and cjanhed the password what else they need a XXXX test for {$75.00} purchase
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (TN)

Opened an account with suntrust bank on XX/XX/XXXX. Moved from out of state and deposited my life savings. Account was rejected on XX/XX/XXXX with a letter stating my check would be mailed to me within 15 business days. I called and was told I needed to submit 2 forms of ID and a notarized letter from my previous bank in order for my money to be released.Submitted the paperwork TWICE ON XX/XX/XXXX AND XX/XX/XXXX saying it would be processed within 24-48 hours. CALLED AGAIN TODAY XX/XX/XXXX AND NEED MORE DOCUMENTATION! I havent had access to my money from XXXX goin on XX/XX/XXXX
Consumer complaint received 2021-04-26
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Equifax refuses to remove the unauthorized inquiries off my report. There are 46 inquires on my report. 
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, 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 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, 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, XXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had a principal balance of {$160000.00} on my XX/XX/XXXX mortgage statement ( after applied principal ). On my following statement ( XX/XX/XXXX ) my balance of {$160000.00} was carried over but I was charged for 2 months ( XX/XX/XXXX, XX/XX/XXXX ) interest ( % 5.875 % ) and principal was applied as if I was making 2 payments in a row ( XXXX and XXXX ) within the month of XX/XX/XXXX. 

Subsequently the extra amount submitted to pay down my principle ( {$1100.00} ) was not credited in XXXX. Because I paid an extra {$1100.00} over my regular payment of {$1000.00} ( a total of {$2200.00} ) SPS policy is to treat a payment within a month as 2 payments if the amount payed is equal to 2 months of regular mortgage payments. This must be illegal as I am subject extra interest for a month that hasn't even occurred as a result of this practice Any other mortgage I have ever had has automatically applied extra payments within a month to principle. They promised to credit me the extra principle of {$1100.00} within a few days of my complaint of XX/XX/XXXX. 

Incidentally i had to call 3 times as the first 2 times I was hung up on after detailing my complaint. On the 3rd call I told them if they hung up one more time I would report them to CFPB. Even though they did apparently resolve my issue, I am submitting a complaint anyway as I am quite certain they are conducting illegal and unethical business practices over there.
Consumer complaint received 2021-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio recovery calls me from what it looks like.. Landline ( same area code as well ) I ask politley may Inask who is calling. Thru refuse to tell me. 
Om this certain call I was at work. In the middle of selling furniture to a family. 
I knew it was them because they always say ms. XXXX. Im not able to tell you that. She still cant tell me who it is. 
She said I can not disclose this info. 
I said well if you tell me what it's about maybe ill tell you who I am. Other than that im at work. This is rude to my customers. Im paying paralegals to yske care of this. It not supposed to eben be calling me. She said ms XXXX its portfolio recovery. I said im at work. If you can wait til im done with this sale. I can make a payment she was so adamant about tellimg me itll be quick. 
So i said I can't do anything. I tried if I miss this sale I can't pay yall nothing. 

My mom got pressured into getting it tsken outnof her XXXX check. Which is illegal. 

Then sent letters to XXXX mom sister amd me.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2021-04-27
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. (DE)

on XX/XX/21 and XX/XX/21 submitted an FTC report with accounts that are not mines. These accounts are still on credit report.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I sent a letter to Equifax stating that they had violated 15 U.S Code 1681b Permissible purpose of consumer reports which states that : ( a ) In general Subject to subsection ( c ), 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 to whom it relates. 
I stated to Equifax that I gave them no consent to report anything on my consumer report. 
I told Equifax to delete these inaccurate accounts off my consumer report. 
They instead verify the inaccurate information. The accounts that I disputed are enclose in the pdf I attach to this complaint. I also enclose the dispute letter I sent to Equifax.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and XXXX were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. Equifax did even give a course to even respond.
Consumer complaint received 2021-04-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IN)

contact by freedom mortgage to move my arm to a fixed rate. 
set the closing like 2 weeks later so on XXXX supposed to close the loan. 
on the day of closing title company calls me and says they docs are not done. 
they are trying to get them done. meeting was at XXXX. 
I had a funeral to attend, so i agreed to meet at XXXX XXXX. 
left funeral early and XXXX XXXX  title company calls and says they still do not have it done. 

had 3 different closing statements go from them owning me money, to me owning money to XXXX. And when questioning mortgage company, they said it was escrow. when the truth was they calculated interest wrong. So call complain and even send email to ceo, asking if his people are really this bad. Talk to them and set it up for thurday to close on it XXXX they call back and say they have to rescheduled it again and tell me if i do not close within the time, then rates and all are null and void. 

So it was scheduled on XXXX and guess what, title company calls at XXXX on XXXX and says they are on there way to close, hour later get a call he decided i need to call him to confirm at XXXX for a XXXX XXXX  call. Was working and unable to call till XXXX. 
So he can not make the XXXX call and gave hiim to XXXX to get here. 

Says can not do it. and reschuled again. 


All of these problems are not my fault.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ).

As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. 
It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! 
It is shocking to me that XXXX XXXX XXXX  takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system