davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA decided to close my checking account and accounts linked to it such as my children 's accounts, of course this caused great amount of problems with items not being paid, direct deposits not going in and more. When I called to ask why after 30 years as a customer they are closing they said " we can close any account at any time without giving the customer a reason '', I reached out to CFPB, you reached out to them and they never responded. The prior complaint id is XXXX Please help, please advise. thank you
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NV)

CAINE & WEINER ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (DC)

I was informed that in order to close my account I must have a {$0.00} balance. On XX/XX/XXXX, I transferred out my account balance of {$5100.00} as the first step in closing my account. Immediately after my account balance was brought to {$0.00} I was charged a {$25.00} " Service charge '' on the account due to having a {$0.00} balance. I received notice that the fund transfer was completed on XX/XX/XXXX and immediately contacted PNC Bank via secure message requesting to close the account. I was informed that it was now not possible to close the account that there was negative balance on the account as a result of being charge the " Service Charge '' by PNC. 

On XX/XX/XXXX, I again requested PNC to refund the service charge as it was documented that the XXXX balance was a result of taking the steps to close the account but I was never given the opportunity to close the account for the instant the account had a {$0.00} balance the service charge was applied to my account making it impossible for myself or any consumer to close an account without being charged a {$25.00} fee for having a {$0.00} balance. This is predatory trap by PNC
Consumer complaint received 2020-02-29
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: ID Analytics, Inc. (NM)

I applied for a car loan on XX/XX/XXXX of 2020. 
I was sent a denial letter, based on information from a credit reporting company called SageStream LLC. I have never heard of this company, and I did not give them permission to report on my credit, or to have an information file under my name in any way, shape or form. This company is a hidden credit bureau that secretly collects information for companies to use, in order to charge much higher interest rates to consumers. 
Being that I was a victim of identity theft, the accounts listed in the report from SageStream, should not be on my credit account in any way. Since the company has chosen not to make itself known to consumers, it is impossible for a consumer to maintain the accuracy of such a credit report. 
Once again, I have never had knowledge of a credit reporting business named SAGESTREAM, and I DO NOT give them permission to report to companies with my personal information.
Consumer complaint received 2023-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hello, I have recently been move involved in my credit and credit history. I recently noticed a collections from Midland Funding LLC for an account from " XXXX XXXX. '' I have never signed up for nor have has a " XXXX XXXX '' card. I reached out to the company to receive any type of itemized statement to review this debt and they are refusing. They said my letter was sent out in 2018, they have a previous address on file which they would not allow me to update today. The address they have on file is a XXXX XXXX address and in 2018 I was living in XXXX I am now back in XXXX XXXX, but not at that previous address. This account was defiantly opened fraudulently, and now Midland Funding is making it impossible to verify and dispute.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

My Chase bank account was closed without any reason given. The bank representatives told me that the balance would be returned to me via check within 10 business days after the account closure. However, it has been over a month now, and I haven't received the check. The bank keeps telling me it's still under review but refuses to give me a definite timeframe. This money is crucial for me, and I'm unable to carry on with my normal life.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (FL)

I purchased an item that was defective and tried to return it, but they would not accept. 
The problem is that chase credit card bank is violating my rights under the fcba in regards to disputes. they never notified me in writing of the dispute or anything else for that matter, they did not issue a temporary credit as they stated to me. there is no where for me to see the staus of this dispute and they refuse to answer secure emails other than we will respond to you in one business day. I have 6 or 8 of these emails with no actual information supplied in regard to the dispute. I talked to a supv today named XXXX that refused to give me an employee number other then he is in ohio. and again refused to do a temporary credit or send me a letter of the dispute. they have never sent me anything in over 2 weeks andf actually refuse to do anything as per the FCBA regulations.
Consumer complaint received 2020-02-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Carrington mortgage services outdated software has caused me to incur fees and unwanted stress from issues surrounding electronic payments from online banks. They are now refusing to accept a payment from me that isn't certified funds based on their errors even though the account is not yet in default. They are going to cause the account to be in default purposefully by not accepting payments via ACH or by bank issued check, both of which have been attempted and funds are available immediately.
Consumer complaint received 2019-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (UT)

On XXXX used Paypal to send XXXX Euros ( EUR ) to a package forwarding company in XXXX called XXXX, to have them forward to me three Video Cassette Recorders ( VCR ) from XXXX. During shipment with XXXX one of the VCRs  became damaged. 

XXXX agreed to issue a damage claim payment to XXXX, in the amount of XXXX EUR. On XXXX XXXX refunded via Paypal XXXX EUR to my paypal account associated with email address XXXX. 

During prior verbal chats with Paypal agents, they told me that when merchants issue refunds, there should be no fees assessed to me as the receiver of a refund. 

For Paypal transaction ID XXXX, which is the transaction for a XXXX EUR refund from XXXX, Paypal assessed a XXXX XXXX fee, an action which runs counter to what their agents recently told me over the phone. 

For Paypal transaction ID XXXX, I was not the seller of the a product. I am not shipping anything to XXXX  for that transaction. Instead, I am the receiver of a refund in the amount of XXXX EUR, a refund in connection with earlier XXXX Paypal transaction XXXX. 

On XXXX I requested that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX, via a chat session on their website. Paypal did not respond to my request in a timely manner, and so I decided to escalate the issue. 

I request that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX  ( paypal transaction reference XXXX ).
Consumer complaint received 2020-02-29
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. (TX)

XXXX, Experian and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

People 's United Bank NA has acted in a malicious manner in the closure of my checking account. In the attached document, People 's United Bank determined this based on the " costs for compliance, regulatory obligations, and potential risks. '' This checking account has been used for in-branch and direct deposits from my employer in order to pay bills. 

Per the letter, my account will stay open until XX/XX/19 in order for me to transition to another checking account. On XX/XX/19, I visited two separate bank branches in order to deposit funds for bill payments. On both occasions, I was refused service and told that they are unable to make deposits to my account. This is in spite of the fact that my account was still open with the ability to write checks and make payment orders. The branch staff made efforts to reach Mr. XXXX XXXX, of which he was determined to be unavailable to resolve this matter to make deposits. The branch manager in XXXX CT, XXXX XXXX, was also unable to determine why I was not allowed to make deposits even though I had an open account. 

With the abrupt closure of my account without any warning or notification of a pending limitation to my account, People 's United Bank determined that their cost of compliance was raised and deemed me risky without an explanation. No deposits were ever declined/bounced and all checks deposited came from verifiable sources. I fear that with these unsubstantiated claims of risk and compliance, it is merely an excuse to discriminate against someone of a certain race. Based on my name and the color of my skin, People 's United Bank determined that I was too risky and was a burden on their regulatory obligations.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Disputed debt multiple times through creditors, was informed the debt is supposed to be valid. XX/XX/XXXX received a notice from Midland stating what was owed. XX/XX/XXXX9 sent a letter and $XXXX fee to Midland requesting all information on the account, including the original contract. XX/XX/XXXX received a response from Midland, no information or contact was sent and the $XXXX fee for the information was not returned and was applied to the debt.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( From XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3500.00} XXXX. I started by having a secured card with them, then they evaluated my excellent payment history and offered me a regular credit card with their banking institution. From that moment to the present, for having used my card correctly and making all my payments in an excellent way, they increased the limit 3 times. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. In that email, they told me in a discriminatory way, since I am XXXX, that I had 5 days to send that information, otherwise they would close my account. DISCOVER Financial Services is discriminating me for being XXXX. Today XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. I request that they RE-OPEN my account immediately and my credit limit be restored. My account number is # XXXX XXXX XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Balances on all credit card balances are wrong. Loan amount is wrong. Though mtg holder lender supplied letter ( documentation ) account was closed. Online disputes were ignored and weren't adjusted though docs supplied. after waiting over 1hr transferred to XXXX waited over 1/2 hr transferred back US and disconnected. Old address ( 1 ) is listed as current and current ( 2 ) as old.

Retaliation for taking them to court and forcing them to settle?

files upload. all balances are PRIOR to CB update and NOT SHOWN CORRECTLY
Consumer complaint received 2021-08-31
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (GA)

I been having major problems with Nelnet Lns. I have Proof that Nelnet Lns is in violation of the Fair Debt Collection. I also have Proof that Nelnet Lns is in violation of the Fair Credit Reporting Act. I also have proof that Nelnet LNS is in violation of the Truth In Lending Act. I will be providing all documents to show proof. 

The Definition of a Credit Card under 15 USC 1681 is the same as 15 USC 1602 ( l ) which means " ANY CARD '', plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card is my credit card what I use in a Consumer credit transaction.

Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions. any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Nelnet Lns has been reporting negative information on my consumer report. I will be providing proof of all violations.

I sent Nelnet Lns a cease and desist letter Pursuant to 15 USC 1692c ( 2 ) also included Pursuant to 15 USC 1692c ( c ) ( 2 ). Nelnet Lns did not 100 % follow my instructions.
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (WI)

on XX/XX/19 i received a call stating i owed a debt and if i didnt pay they would ruin my credit. they were very disrespectful and forceful with trying to pry out information. this company also used a robo caller with a false local phone number.
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (AL)

A bill for {$57.00} was sent to AMSHER COLLECTIONS for a medical debt that I wasn't aware of at the time. 
I paid the amount to AMSHER COLLECTIONS for Account XXXX over the phone in XX/XX/2018. I have proof from my bank that the amount was paid, and I sent them an email stating it had been paid. However, they reported it onto my credit as a debt in collections. It is on my credit report currently, and should not have been reported as it has been paid. 
It is showing as a debit on my Bank Account on XX/XX/2018 going to AMSHER that was put in on XX/XX/2018. 
However, they've reported it on my credit report as an unpaid collection.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

I found this on my credit report and tried to dispute it there. XXXX XXXX emailed me on XX/XX/XXXX stating that I had 30 Days to remit the final payment. I set up a bill pay for the final payment and it to be paid XX/XX/XXXX. I paid the balance in full. This account was sent to IQ Data for collection even though it was paid in full. I called IQ Data to resolve and the rep XXXX was completely unprofessional and conducted herself with attitude. This call occurred on XX/XX/XXXX. They have been impacting me credit since XX/XX/XXXX and this debt was paid via my bill pay.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax is usually the lowest of a consumer 's 3 credit scores but they are the most difficult to retrieve a credit report from. In addition, they do not provide access to credit scores to individuals without payment. When applying for a mortgage, it often prevents approval because it is so much lower than the other two and the least transparent to the borrower. It appears that the credit reporting industry is unregulated and far too powerful in Americans ' lives. For-profit companies like this block home ownership and other opportunities from those that would benefit the most. All 3 major consumer credit reporting agencies should be required to provide credit scores along with the free annual credit report that is available. Equifax not only fails at doing this, but the annual credit report is notoriously difficult to access for most people. Security questions are often incorrect and requests by mail are ignored. What is the CFPB doing about this issue?
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I ordered a bill-pay of an amount of {$530.00} in XX/XX/2019 for paying my XXXX house rent & utility. 

Bank of America deducted {$530.00} from my checking account on XXXX XX/XX/2019. 
Again, Bank of America deducted {$530.00} from my account on XXXX XX/XX/2019. 

I have contacted BOA several times ( 3/4 time ) over the phone. Every time, after talking with the bill pay team and account team, they acknowledge the issue and opened service ticket ( 3 times up to now ) to solve the problem. But every time, they close the case without refunding my money. 

My landlord confirmed to me by mobile massage that her bank did get a single payment for the bill pay order. She mentioned that the first time the check got rejected and got accepted the second time.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

I have been having a very large amount of Fake collection calls from a time barred debt. They are making threats of having me arrested and many other extreme lies. How can I get this information your hands? 

They change their name every time they call and I but XXXX XXXX XXXX is the most commonly used. They are doing everything from changing the last date of delinquency, not following the FDCPA guidelines and making idle threats of having me arrested at my place of work. 

Their latest # is XXXX and they are trying to collect on a cc dept with a last payment date of 2012 I am in Utah so the debt collection time is found here. https : XXXX
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I purchased a ticket to a musical on XXXX at their box office for {$140.00} using my Capital One Savor card. Purchases for entertainment are credited with 4 % rewards dollars but this purchase was categorized as " Other '' and received only a 1 % reward. I called Capital One about the problem on XXXX and they said they would research. They called back on XXXX and said that they could not change the category of the purchase and would not credit my rewards using the higher percentage.
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC (FL)

I XXXX XXXX contacted the original creditor XXXX consumer use XXXX at that time I was informed that thi debt or collection is voided and invalided. this account was sold to Jefferson capital system on XXXX Jefferson fail to provided information to me about this matter this account do not blong to me I have no information about this debt I have provided a mailing address im requesting documents of this account and proff.within 30 days