davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I contacted Rocket Mortgage on XX/XX/21 about a cash out re-finance. I was told on the first call I was qualified for my re-finance after all of the requested documents were reviewed. They asked for a good faith deposit of {$500.00} on XX/XX/21. I voiced my concerns to the person on the phone that I have had trouble getting loans because I was self employed and that I did not want to pay anything out of pocket if I was not going to be approved. She assured me I was approved and we could move forward. I gave the good faith deposit of {$500.00} and also signed deposit agreement. They immediately sent a person to appraise my home on XX/XX/21. Then, after the appraisal was done they called me on XX/XX/21 and told me I did not qualify and they would not refund my money. The reason I did not qualify had nothing to do with my appraisal and everything to do with my lack of self employment income, which they could clearly see from the documents I provided. I was mislead and pressured to giving money when Rocket Mortgage had not done done their due diligence. I would have never paid to have my home appraised if I knew I could not qualify for the loan. I felt pressured to do everything quickly and I feel this is their way of getting money from people that they may not qualify for a loan. I have spoke to a few other lenders since XX/XX/21 and they honestly said that they would not waste my time and I would never get approved based on the numbers I gave Rocket Mortgage.
Consumer complaint received 2016-01-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

we had a balloon loan that matured, citimortgage threatened forclosure and would not work with us or refinance at all, they wanted our house and said they 'd get it. so only option left was a bancruptcy that included the entirety of matured balloon loan balance in XX/XX/XXXX, case was discharged in XX/XX/XXXX, never missed a payment and everything agreed to in court and allowed was paid to the full. XX/XX/XXXX I get a bill from Citimortgage for XXXX dollars instead of the deed to my house. where did they make up this fraudulent loan? I have no idea, but apparently this is their M.O. and they do it all the time. After months of paperwork and haggling, i hired a lawyer which sent all the necessary paperwork to handle this matter and lo and behold Citimortgage pulls another fast one and sells the fraudulent loan to outside company known as XXXX, who now is threatening to forclose on the loan they acquired from Citi. It is ILLEGAL!!! to attempt to collect a debt that has been either paid which mine was or discharged in a bancruptcy. Double jeopardy or what, Citimortgage told me they would get me no matter what and now my lawyer ca n't even get the third party company to communicate with her, even though they have a 3rd party authorization. These people are tant amount to organized crime and just keep asking for more or threaten to foreclose. These laws are supposed to protect us from XXXX companies like Citimortgage, taking advantage of those who do what 's right, follow the law, and pay every payment on agreed payment schedule. Someone must make Citimortgage play by the rules or pay themselves, can anyone make them live up to their end of the mortgage agreement since I have fulfillled mine. I want the deed to my house!
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (GA)

I have been trying to make additional payments towards the Principal of the loan, but after multiple contacts to the lender, they continue to apply these CLEARLY marked payments as monthly payments and reduct interest charges from them so the Full Amount of these Principal Payments Only are NOT applied to the balance of the loan.
Consumer complaint received 2021-11-17
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: JPMORGAN CHASE & CO. (CA)

I am very upset with this issue. I sent a letter to the CREDITORS regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau was reporting inaccurate information on JPMCB CARD SERVICES. Also, I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$510.00} JPMCB CARD ***** Opened Date XX/XX/XXXX Balance {$1100.00}
Consumer complaint received 2021-11-17
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: Santander Consumer USA Holdings Inc. (FL)

SANTANDER : Account number : XXXX, Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading and multiple inaccuracies. therefore it's in violation of section 609 & 611 of frca. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA XXXX XXXX. FILED : XX/XX/XXXX XXXX ;.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2019-11-22
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: BARCLAYS BANK DELAWARE (TX)

Barclays closed my credit card for no good reason. I have a credit score of XXXX according to them. Their reasons are weird. It brought down my credit score also. I have rewards which can not be used now. 
I was provided no notice or warning before Barclays did that. 

Tried calling Customer service XXXX twice. After successful verification, call getting disconnected. Sent the fax to XXXX regarding this.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I went to my local Citibank branch to open a checking account and a savings account. At the time, there was a promotion that stated if either account could maintain a balance of at least {$5000.00} for 60 consecutive days, that I would be awarded a bonus of {$200.00} per account. 

Fast forward 60 days - the bonus was never received. In fact, Citi charged me a bogus {$25.00} " fee for monthly service '' to dip me below the {$5000.00} threshold, then promptfly refunded the fee when I complained and they realized their mistake. The branch manager who I made the accounts with, XXXX XXXX XXXX, quickly resolved this mistake once notified. 

XX/XX/XXXX - I emailed XXXX XXXX XXXX to try to receive the bonus since I met all of the terms and conditions ( XXXX & XXXX ), but no response. 

XX/XX/XXXX - XXXX - XXXX email XXXX XXXX XXXX again, no response. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX once again, still no response. 

XXXX XXXX XXXX  - I reach out to Citibank through phone line and open a case against XXXX XXXX XXXX and have them look into the issue. XXXX XXXX XXXX emails me afterwards saying that he " submitted an investigation '', but then provides a copy of different XXXX XXXX XXXX  to the ones in my possession. I scan and email the XXXX & XXXX to XXXX XXXX XXXX, but obviously he ignores me again. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - you get the picture... 

XX/XX/XXXX - XXXX reach out to Citi through phone line again in attempts to resolve the issue, but they are of no help and say that I did not meet their XXXX XXXX XXXX  At this point, after a year of trying to patiently resolve this, I forfeit and decided to file with the CFPB. 

Citibank provided absolutely terrible service, used misleading marketing to get me to sign up, and repeatedly ignored attempts at communication and resolution. Hopefully this case will help regulators clear up these types of practices. Shouldn't we hold these " top tier '' banks more accountable for their actions?
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

To whom it may concern, On Saturday, XX/XX/XXXX my phone was hacked. I was not able to make calls or receive texts. The hackers deactivated my cell phone. They had complete access to my phone. 

I lost service on my ( XXXX XXXX XXXX  I was booted out of emails and accounts. When I checked my XXXX XXXX that evening, my funds had vanished. All {$13000.00}. I was devastated and reached out to customer support. They informed me that it wasnt their fault as the hacker used my password and XXXX codes. This is false as I did not authorize the transaction. They sent me an email when the hacker had access to the account with me realizing that my funds were stolen in four minutes, around XXXX that day. 

After trying to figure what has went on and back and forth with Coinbase Support I realized that another transaction had happened on XX/XX/XXXX. This was for {$1000.00} from my XXXX account. I have informed my bank immediately. 

I hope to have a full refund of my coins from Coinbase, all {$14000.00} and access to my account again. 

I have opened up a case with Coinbase regarding the fraudulent transactions. Please reach out if you need my case number. 

Look forward to hearing from you soon.
Consumer complaint received 2022-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a payment from my debit card that is Capital One bank account as well on XX/XX/2022 for the amount of {$170.00} from my debit card linked to capital oNe bank account. It is capital One policy that they do not put hold on any Debit card payment. even-though this is also Capital One debit card and they were able to confirm the owner ship of this account with 360 checking account department, they still put it on 60 days hold. After numerous calls and filing complaint with CFPB, they reached out and apologized for the inconvenience and mistake and released the hold. Today my card was restricted again and they are asking me again for the proof of bank statement for the same payment that they have already verified and apologized for!! I asked to speak with the case owner who did that but they would not let me speak with me. I am leaving out of the country and this has caused me severe financial an d emotional distress. I strongly believe this can have discriminatory basis and will demand investigation and will also pursue legally.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.
Consumer complaint received 2019-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

Due date of student loan is the XXXX of every month. Went in today to make my payment, on Sunday the XXXX at XXXX. The EdFinancial website sets my payment date to the XXXX because only weekday payments are processed on the same day. 

Why give a due date of the XXXX and then make my payment effective date the XXXX when my payment is on time? So, the payment is actually due on Friday the XXXX. Thats misleading and unfair. If I pay on the XXXX, the payment should be applied that day. My credit report should not be dinged because EdFinancial can not process weekend payments.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NC)

I ordered high speed internet from XXXX XXXX XXXX in XX/XX/2020. The tech came out and installed the connection and then informed me that high speed internet was not available in my building. I told him that I did not want slow internet and to cancel my order. He said he couldn't but assured me that I could call and cancel for free. I called and the person on the phone apologized and told me how to send the equipment back which I did. I never activated the service. A couple of months later I received a bill for the install fee. Now it is in collections. It's a little over {$100.00}. I could pay it but I feel as though I was duped. I have called XXXX XXXX XXXX and spoken with the collection agency with no resolve.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

all my student loans were transferred from XXXX to XXXX in 2023. XXXX is still reporting a balance of {$34000.00}. all my credit reports show now that i have a balance of XXXX when in reality my current balance is of {$33000.00}. this is affecting my credit score tremendously. please correct my balance info
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., 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 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 2021-11-17
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. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (IL)

Gemini Trust Company LLC. I registered an account with them to trade crypto currency. I deposited money bought XXXX. When I wanted to withdraw XXXX they deactivated my account and Support not responding to email. Upon opening I was asked to verify which I did and I got a notification that I have now been verified. Next is to start trading. So I went ahead and bought some XX/XX/XXXXIt was successful and it said I have to wait for 24hrs to withdraw. After 24hrs I tried to that was when it said XXXX app is less than 72hrs old. I waited for 72hrs. Then I tried to withdraw. Then I kept getting error that Im restricted I emailed support. I got an auto reply that I should upload a picture for verification. Which i did, no respond from any member on the team. I kept emailing for 4 days. No reply. I opened another ticket. They sent me the same annoying message that I should upload a pic of my id and a paper with some instructions. I did that too. No respond. I emailed support again. No respond and my money is still stuck in the account that is frozen yet, they wont review the Picture I was told to Upload neither will they verify and take restrictions off of my account so I can start trading or take away my