davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My name is XXXX XXXX.  I am completing this complaint with the assistance of my attorney, XXXX XXXX XXXX  

I purchased a home located at XXXX XXXX XXXX XXXX XXXX, NY XXXX, which sale closed on XX/XX/2019.  In the loan application process, the mortgage broker for Citizen's Bank, XXXX XXXX, provided me with three or four different Closing Disclosure forms.  The Closing Disclosure that he said was accurate and would determine my monthly payment listed the monthly payment as $XXXX. 

In the first week of XX/XX/2019, I received a notice from Citizen's dated XX/XX/2019, which stated that my escrow balance was short $XXXX, and that I had to pay that amount.  Additionally, the notice stated that my new monthly payment would be $XXXX if I paid the $XXXX, and $XXXX   if I did not.  The payment was due on XX/XX/2019.  I could not make that payment, but have continued to pay the $XXXX per month that I was obligated to make pursuant to my loan agreement.

I reviewed the Closing Disclosure with my attorney.  We discovered that in the Closing Disclosure, the taxes were intentionally understated.  In looking at previous Closing Disclosures that the broker had prepared, the taxes on those changed, but were accurate on the highest disclosure.  It seems clear that the broker intentionally misrepresented the true taxes so that I would be approved for the loan.  My attorney advised me that this is a violation of the Truth in Lending Act.  He also suggested that I attempt to resolve this with Citizen's first, then contact this agency if the Bank would not assist me.  Citizen's would not, so I am filing this complaint with the hopes that I will not have to sue the Bank.
Consumer complaint received 2019-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I contacted XXXX because there is an account on my credit report that is being reported as a charge off. I asked the representative if she could tell me the name of the data furnisher and she said XXXX XXXX, now XXXX XXXX is the name of a credit card and it is not an actual company, how can a credit card name be reporting an account? According to the FCRA everything on a consumers credit report needs to be 100 % accurate without any mistakes, I want them to validate this account because I dont dont what it is and where it came from. I want this account deleted from my credit file because every single company name that I have been given starting with the original creditor arent correct, I called the original creditor which is XXXX XXXX and they told me that the account was sold to a company called XXXX XXXX XXXX, then I contacted XXXX XXXX XXXX  and they told me to contact a company called XXXX XXXX XXXX, then XXXX XXXX XXXX told me to call a company called XXXX XXXX and XXXX XXXX told me that they do not have the account with my information, I also received a letter from the original creditor telling me that the account was sold to a company called XXXX XXXX, I contacted XXXX XXXX and they do not have the account, What I would like to know is, how is it that XXXX  and the other credit bureaus Transunion and XXXX  tell me that when I disputed this account it was verified, who verified the account if none of these companies have it? and the name of the data furnisher that appears on my credit report is not a company but a credit card name? Delete this account now because it has not and cant be verified or validated.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

THE COMPANY TRANSWORLD SYSTEMS INCXXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

My husband and I opened an account with Chase early 2015. We were told that there would be no service charge and up until this year they honored that agreement. The reason they began to charge my checking account was because we had a brokerage account opened with them but it was many months later so this checking account had nothing to do with the brokerage account. After I moved our brokerage account to a different broker is when they started to charge me. I contacted Chase today and spoke to someone named XXXX with Chase PremiXXXX Banking and she told me that this in fact was the reason and I explained to her that we had already an established savings and checking many months before the brokerage account so it was not fair to now tell me this after the fact. They have been charging us {$35.00} per month monthly service charge even though I have never maintained less than {$10000.00} on savings/checking. I believe this is unfair and they are gouging their customers. I would like those charges removed and be credited back to my account which I believe is XXXX months worth. By the way, the Chase we opened our accounts in was XXXX XXXX California.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America ( BoA ) XXXX XXXX credit card. I have configured AutoPay in my online banking with payment amount set to " Amount Due ''. BoA has provided 4 options in their AutoPay config : Amount Due, Minimum Amount Due, Account Balance and Fixed Amount. 

In XX/XX/2019 statement, there was an annual fee charge of {$75.00}. The statement also shows a " Minimum Payment Due '' of {$25.00}. In XX/XX/2019 statement, I see that the AutoPay I have configured only paid the minimum amount of {$25.00}. This caused {$1.00} interest charge in the XX/XX/2019 statement. 

I called BoA 's customer service to ask why my AutoPay did not pay the full amount due of {$75.00} in XXXX. I was told that the " Amount Due '' and " Minimum Amount Due '' in the AutoPay settings are exactly the same - they both just pay the minimum amount of {$25.00}. To pay the full amount due, I needed to set it to " Account Balance ''. It is ridiculous to have XXXXwo different options for people to use, which actually means exactly the same thing. I feel I was cheated and BoA were doing this so they can charge people interests.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (CO)

Concora Credit DBA Milestone Credit Card illegally kept trying to charge my XXXX XXXXXXXX XXXX  account without my authorization because I was late on a payment. Then they shut down my credit card and in retort I place a cease and desist order in place. They also negatively affected my credit score.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I submitted a credit dispute to Experian to investigate the XXXX XXXX error On my credit report. 
I was told it would take 30 days to investigate, I received a update response with no updated review to my credit report On the same day XX/XX/XXXX There Is no way a investigation could be completed within a XXXX hours time! 
XXXX and XXXX updated my credit file XX/XX/XXXX. Experian negligence is causing a negative impact on my credit score
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

bureau refuses to do an investigation on my fraud claim, say my police report is not valid, When I filed a police report with my sheriff, my claim and police report is real, you can call XXXX county police department to verify.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

I filed a dispute with CapitalOne in regards to my car rental. Car rental company charged me {$1100.00} in fees for extra mileage and a traffic violation. The original contract I agreed to at the time of the booking had unlimited mileage. The rental company failed to provide a traffic violation citation. I was never stopped by the police while I had the rental car. 

CapitalOne refused to accept the documents I submitted to support the claim.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmerAssist A/R Solutions, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC (NY)

I have a 30 year conventional loan with the company Planet Home Lending , LLC registered in XXXX, CT. I have been making monthly payments on time and do not owe any late payment. I called the company on XX/XX/year> to request a recast of the loan because I have some saving and want to make a lump sum toward my balance. But the customer service person told me that they can not process the request because my loan is about to be sold to XXXX XXXX  effective on XX/XX/XXXX. When I called again on XX/XX/XXXX to ask when I will be officially notified about the sales of my own and ways to make my next payment which will be due on XX/XX/XXXX, the customer service person was not able to provide an answer. I am wondering what rights I have as a consumer in this case? Was it legal for the company to reject my lumpsum payment requested more than a month before the sales of my mortgage? Is the company obligated to tell me the next steps and where to make my next payment after the sales? Who will be responsible for the extra interest I will pay because I wasn't able to make a lumpsum payment?
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (NY)

First National Collection Bureau Inc. 

XX/XX/XXXX- Constant calls related to debt. We advised we do not have, nor had this credit card. To stop calling. as of XX/XX/XXXX we continue to receive calls related to this debt. We now receive written debt collection of said debt. I have sent a certified letter on XX/XX/XXXX to cease communication on this unsubstantiated debt we do not own. 

In addition, this debt is over 10 years old. well beyond statue of limitations in XXXX. 
We will also be contacting the three credit bureaus to identify this debt as fraudulent and the attempt to collect to be the same. 

We ask for your help to eliminate this deception to collect a debt by First National Collection Bureau Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

I have a citi AAdvantage credit card managed through Citibank XXXX. I called Citi on XX/XX/2021 to report fraudulent charges that I did not make to XXXX XXXX. I explained I had not purchase anything from XXXX and they said they would issue me a new card and investigate the charges. I called back Citi XX/XX/2021 when I did not immediately get my card in the mail and my online account continued to show additional charges to XXXX after my original call on XX/XX/2021. Citi assured me card was mailed recently and not to worry about the charges, payments and fees they will be cleared with the finish of the investigation. Called in early XXXX as account balance was still showing XXXX charges, the only thing charged to the card and flagged by me as fraudulent. A letter dated XX/XX/2021 arrived XX/XX/2021 from Citi XXXX XXXX, stated there was no fraud and I am responsible for {$1400.00}. The letter includes a reminder that they will report my account past due to consumer reporting agencies. In the letter, they purported that their investigation showed I provided the merchant my account information. I called Citi fraud services, XX/XX/2021 for resolution, asked for a XXXX but they could not provide me with answer as to why charges continued and the investigation had no supporting evidence or reason. I wanted resolution but only received an assurance the they will continue to investigate and " may '' call me back.
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

XX/XX/2021 I notified the lender they did not have enough money in my escrow account to cover the taxes due for XXXX XXXX they did not listen and had the escrow analysis rant it was still wrong. I mailed my own tax payment. Again in XX/XX/2021 they ran a new analysis where they finally noticed the shortage so they paid the taxes. This resulted in the county get the tax payment for XX/XX/2021 twice. The county accepted the payment and applied the 2nd payment to the XX/XX/2021 due date however Roundpoint did not run another analysis and continued to collect way to high of escrow payments months. Now we are at the end of the year they are holding almost {$3000.00} of my money and still haven't run a new analysis. Based on the bills yearly of {$4000.00} for taxes and {$690.00} for insurance they need {$390.00} monthly plus a small cushion. Yet my escrow payment monthly is still {$510.00} and they are currently as of XXXX holding {$2800.00} in my escrow account with no payments to taxes or insurance due until XXXX and XXXX and by that time they will have collected another {$2500.00} for a grand total in my escrow of $ {$5400.00}.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (MT)

We had a car loan through BBVA Compass bank that was paid off in XXXX. The lien release was not received by either our state XXXX or ourselves and therefore the vehicle title still has Compass Bank as the lien holder. 
Recently the vehicle was totaled in an accident and the insurance company only released a portion of the funds until they had information that the lien has been paid off. When contacting PNC several times, they say there is no record of us ever having a loan. 
They have also refused to give a loan release letter or statement that we do not have a loan through them when requested by our insurance company or ourselves, and they continue to reroute us back to our state or their title websiteXX/XX/XXXXwhich also has no record of the vehicle. During one call they gave us a number that is " fax only '' to contact that " could '' help, but we have had no response to that request either. 
Both we and our insurance contact have spoken with them numerous times, we have also connected twice with our XX/XX/XXXXafter being told it was under their jurisdiction, but the funds are still being withheld, and our state XXXX directed us here. 
We have been trying to resolve this since early XXXX XXXX. The Accident happened XX/XX/XXXX and the amount that has not been released is roughly {$13000.00}
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (SC)

My wife sent XXXX to my business b Venmo account. They in turn suspended not only my account but hers Also. We both provided all documents asked for an Venmo respond saying a vague policy reason.An refuse to open account and access money. Them says have wait XXXX just in case charge back. Which is impossible because the account has no card attached. 
That was Bill money and placed us in financial hardship. I ask to be able to access our funds.
Consumer complaint received 2021-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (CA)

I acquired this spotloan and was trying to pay it off early XXXX and was told I had to wait until my latest payment was processed on XXXX of {$150.00} in case I may be overcharged. 
I did pay {$400.00} which lowered my balance to {$280.00} The agent told me to wait until the {$150.00} payment on XXXX has cleared. 

I called again on XXXX-The agent told me to wait until the payment had cleared which it did.. 
{$150.00} was charged on XXXX I called back today and they told me I owed {$280.00}. That was not correct!!! 
Which should've lowered my balance {$130.00}. But it did not. Instead the supervisor said we will allow you to pay this off for {$200.00}. I told them this is not correct and told them I would be reporting them for fraud. Clearly they wanted me to wait to charge me more. 

3 payments of $ XXXX {$460.00} XXXX XXXX {$400.00} - came from my XXXX XXXX account XXXX below is my XXXX  accountancy made All payments= {$860.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX : XXXX ACH debit - {$150.00} {$200.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX  : XXXX ACH debit - {$150.00} {$390.00} XX/XX/XXXX SPOTLOAN XXXX XXXX XXXX XXXX XXXX ACH debit - {$150.00} {$350.00} XX/XX/XXXX WITHDRAWAL XX/XX/XXXX | See details of this withdrawal. 
XXXX. debit - {$800.00} {$6.00} XX/XX/XXXX VBS_Spotloan XXXX XXXX ID : XXXX ACH credit {$800.00} {$800.00}
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NJ)

This account contains a finance charge, which is the sum of all charges. Therefore, this account was paid in full upon the bank obtaining my credit card ( social security card ). This account should never be delinquent for any reason whatsoever, due to it being opened under an open ended credit plan.