davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX, I closed on my home purchase with XXXX XXXX and the company immediately sold my mortgage to Chase Bank. The terms of the mortgage included an escrow account to cover the home insurance premium and property taxes in the XXXX of Massachusetts. Over the course of the XXXX tax year, Chase refused to pay my property taxes because, I was told, they were not receiving electronic tax statements from the town where I live ; so despite having the funds in my escrow account, and the fact that I sent copies of my paper tax statements to Chase, they would not pay the taxes, and I had to come up with additional funds to pay the taxes myself. This amount was approximately {$8000.00}. I spent the last year calling Chase to resolve this situation, but they still would not pay my property taxes. They indicated they would, they also said they would call me back at various times to let me know when the situation was resolved, but ultimately the bank has been unresponsive. As a result of the bank 's inability to resolve this, I am now in the process of refinancing my home mortgage at a substantially higher interest rate. In the meantime, I've closed the escrow account and was supposed to receive a refund in XX/XX/XXXX in the amount of {$9000.00}. For some reason, Chase split this amount into XXXX payments. I received XXXX payment for {$2200.00} in XXXX, but the balance of {$6700.00} is being contested because Chase indicates they mailed me a check ( to my old address ) in XX/XX/XXXX which I did not receive ( Chase did have my current home address at that time ) ; then Chase told me they sent another check in XX/XX/XXXX ( which I also did not receive, but Chase said that check has been cashed ). I've called Chase several times to request a copy of the canceled check ( front and back ) and the form needed to file for an investigation, but Chase is unresponsive. They keep telling me someone will call me back or they will send the canceled check and investigation form, but I'm getting nothing from Chase. My taxes are now due again the end of XXXX, and I need the remaining funds from my escrow account to pay these taxes on time. Any help you can provide is appreciated. Thank you.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Both XXXX and XXXX have reported my new credit balance however nothing has been updated in the past 2 months for any of the bureaus. The incorrect reporting is effecting my ability to be approved for additional credit.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In late XXXX I received an invoice from Capital One in the amount of {$590.00}. This invoice was paid by me on XX/XX/2022 by my check XXXX XXXXXXXX. In the same envelope as the remittance, I advised Capital One that I had gotten several email messages, ostensibly from Capital One, which were identified by my computer as potentially malicious. Accordingly, I requested that Capital One cease all electronic communication in favor of traditional XXXX. XXXX XXXX 

On XX/XX/2022 I received XXXX e-mails ( not-withstanding my aforementioned request not to communicate by e-mail ). XXXX e-mail acknowledged the request not to communicate by email and included a customer service number. The second email represented that the payment of {$590.00} had not been received, even though included in the same envelope. I followed up with a call to the customer service number. I went through an initial level, and then a supervisory level call. At the end of the day, I was advised, after several internal checks, my check XXXX XXXXXXXX was not in their system. To avoid a late fee or surcharge I was advised to write a replacement check, which I did on XX/XX/2022 ( XXXX XXXXXXXX ). Her rationale was that, somehow, my check had been overlooked and shredded in the mailing envelope. I advised the Supervisor that I would be very upset if both checks were cashed. She agreed with me. 

Both checks were cashed, most recently # XXXX on XX/XX/2022. 

I have a long history as a lawyer invested in consumer protection. I have served as Chairman of the Board of a local XXXX for a major U.S. city and also served as a Board member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and chair of the XXXX XXXX. Frankly, I am very suspicious of these circumstances. My intention is to terminate my relationship with Capital One ASAP. 

Meanwhile, I believe that cfpb should use its investigative authority to investigate the " coincidence '' of 'non-payment ' notices to consumers with duplicate payments which then enable Capital One to effectively us the 'float ' of some of their customers to their own advantage. 

I have copies of the documents which will substantiate these allegiations. 

Very truly, XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

For the past 4 or 5 years, Portfolio Recovery has sent me numerous collection notifications via snail mail, which is fine and dandy. However, they have also contacted me every single day at every single number that I have ever had, regardless of how many times I have told them my situation ( no income due to fighting for disability and being unable to work ) at all times, including before XXXX XXXX and after XXXX XXXX. I never gave them my cell phone number or permission to call my cell phone number and yet they continuously call that number as well as my home number. I have tried thousands of times to explain my situation to them, to tell them to stop calling my cell phone number, yet they still call both numbers every single day. This is now harassment and I am tired of it.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NC)

The original bill came from XXXX. I canceled my service. But they did not close my account. I continue to receive bills after I cancelled my service. After four different phone calls averaging about an hour each I finally reach someone that said that they would cancel the bill for the unused services and the issue would be taken care of. Instead they turned it over to Southwest Credit Systems. Southwest Credit Systems was adamant that we owed the money and it was not their problem that XXXX did not shut off the service in a timely manner. We finally paid the money on the bogus account because we were trying to refinance our house. Not only does the money still show to be owed on our credit report more than six months later. But we never received a receipt for the money that was paid to show the issue with taking care of. We were told if we pay the money it would drop off of our credit report. After calling back 7 months later because it still showed on our credit report we were informed that they were a no delete collections agency and could not delete it from our credit report. So not only am I stuck with the only bad mark against my credit for 7 years, it is for a bogus bill that I never owed to start with! Totally unprofessional!
Consumer complaint received 2017-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an account  with Capital one Business Spark.  My account #  XXXX , #  XXXX . I have been receiving funds through the account. O n   XXXX   XXXX    ,2017    I tried to access my account and I could n't log on. I called  Capital one  Bank and spoke with  XXXX  in security department @  XXXX  and he stated they decided to close my accounts and not do business with me moving forward and that the funds in the account will be held for investigation.
Consumer complaint received 2019-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chaos Home Loans LLC (FL)

I closed on a VA loan and on the very day of XX/XX/2019, while I was signing the closing documents, Chaos called XXXX XXXX XXXX, XXXX, FL, asking that the the closing check not be cashed because there was a problem. XXXX told Chaos it was too late because the funds had been distributed already. 
The closing was completed, after which Chaos was to be paid {$2200.00}. as the first payment on XX/XX/2019, and after which I was informed that my mortgage was to go to XXXX XXXX at Chaos address in XXXX XXXX, effective XX/XX/2019. My first payment was sent toXXXX XXXX /Chaos Home Loans on XX/XX/2019, at Chaos XXXX XXXX Address but was lost or never cashed. It was never found. 
The XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX were processed without any problems. 
.The XX/XX/XXXX payment, XXXX XXXX XXXX XXXX Check XXXX XXXX, was dated XX/XX/2019, was cashed and deposited into a personal account at XXXX XXXX XXXX by someone named " XXXX XXXX '' or XXXX   XXXX '', but has never been credited to my mortgage. As such, my credit rating has plummeted to the XXXX, and I can not refinance my VA loan. 
My XX/XX/XXXX payment was returned by XXXX XXXX due to non-sufficient funds. Had it been presented the next day a second time, it would have been paid, but XXXX chose not to present it a second time, and that check also was given to " XXXX XXXX  '' and has been lost to this current day. 
I am asking that since I talked to a Manager, named XXXX, at XXXX XXXX in XXXX, a call that I'm sure was recorded, and she said during the call that she located the XXXX check. I asked that it be posted to the account. She agreed to do so, but it was not done. Since XXXX received my payment of {$2200.00} from my bank account on XX/XX/XXXX, and failed to post it to my mortgage, I seek a refund of that amount so that I can make my XXXX payment and bring my account up to date and that all late fees be cancelled. 
How Chaos called me on a day that my wife and I had decided to move to this home, I will never know, unless my wife and I targeted because of our age of middle XXXX 's. 
Further, I plan to file a complaint with the VA Inspector General to investigate the practices of Chaos Home Loans and XXXX XXXX so that checks from Veterans should be accounted for, i.e., the lost XX/XX/XXXX payment from our XXXX Account and the lost XXXX payment from our XXXX XXXX XXXX XXXX, Organizations such as these should not have VA loan rights to service Veterans loans.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This complaint to TransUnion was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (VI)

My information was sold & bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Mortgage Servicer, Specialized Loan Servicing ( SLS ), is employing unfair, abusive and deceptive practices. I am an XXXX XXXX  year old Veteran of the XXXX XXXX I have lived in my current resident since 1996. The debt on the mortgage has been serviced adequately and timely prior to my current situation. A simple analysis of the account record will attest to that. While I have retirement and limited other income, my entitlement benefits have been interrupted. Once the benefits are resumed the, mortgage debt will be adequately covered. SLS knew I was XXXX yet they served foreclosure complaint at my resident in an attempt to make it difficult for me to response within the 20 day statutory limitation. SLS has not participated in the loss mitigation process in good faith. Disparate financial treatment is not a part of my sentence. SLS filed residential foreclosure action while in loss mitigation review. After a request to the court for mediation, SLS falsely informed the court that no active loss mitigation us being reviewed and went on to falsely indicate that loss mitigation was denied. Contrary to the Loan servicer 's claim, loss mitigation is on going which is evidenced by continuous written correspondence with SLS. While there has not been a denial, requests for SLS foreclosure prevention options and request for mortgage assistance have been declared incomplete or stale or in need of resubmission without comprehensive explanations. In the months leading up the foreclosure complaint I tried to work things out through mediation. Requests for mediation were rejected. SLS appear to be participating in a sting or scam. They are stringing me along with false hope of loss mitigation while proceeding with foreclosure. I would like to keep my home plus I have equity in the house and I deserve to get the equity. The tactics being employed by SLS is designed to deprive me of the house and the equity. What normally happens in the industry is that, the mortgage holder will buy the property at the foreclosure sale for a hundred dollars ( {$100.00} ). As such, leaving no after sale credit for the home owner. In effect, cheating the homeowner of deserved equity.
Consumer complaint received 2020-09-25
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. (CA)

I applied to rent an apartment today XX/XX/2020 and when they ran my credit, I was told that I was not eligible to rent an apartment because there was an account and several inquiries reflecting badly on my credit history. I had no idea what they were talking about but when I looked through my credit report I saw an account from a company called XXXX that I never opened. I don't know why this account is appearing on my credit report since it is not mine and I never allowed anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards this account. I do not have any written/verbal contract with that company and I never gave them permission to run or access my credit information. I have already filed a police report regarding these unauthorized account.
Consumer complaint received 2018-05-04
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. (IL)

Despite three written requests to TransUnion that they are reporting inaccurte information on my credit file, Transunion refuses to do a complete and accurate investigation. My last dispute to TransUnion was sent on XX/XX/2018. TransUnion sent me back the results to their investigation on XX/XX/2018 stating in writing that they verified the accounts are being reported correctly? TransUnion is reporting my XXXX XXXX account as a {$300.00} FHA loan included in a XXXX bankruptcy. This account should be a closed credit card in good standing. TransUnion is also reporting my XXXX XXXX XXXX auto account included in a Chapter XXXX bankruptcy. This account should be closed in good standings. I have never filed bankruptcy.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I received an offer to open a new checking account wit h CitiBank and receive a {$300.00} bonus if I deposited {$15000.00} into the account. I made two deposits totaling the {$15000.00}, and was told this would qualify as the direct deposit, and t o expect the {$300.00} bonus in 60 days. I called back about the bonus, and was told the direct deposit had to come from a payroll account, and that I no longer qualified for the bonus because the account was over 45 days old. I 'm in the process of closing the account due to the deceptive information told to me by their representative.
Consumer complaint received 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, I was searching for a moving company to move me from XXXX XXXX XXXX XXXXa. After speaking to a number of companies I spoke with a man named XXXX XXXX from XXXX XXXX. He was wonderful! He quoted me a very good price and I gave him my credit card number. I should have known something was wrong because I couldnt do it on my XXXX but rather, I had to go to the library to use a computer. That night, when I had some time to think, I XXXX the name of the company XXXX XXXX XXXX XXXX on the email. XXXX XXXX name was all over the reviews. The word scam appeared a number of times. XXXX, I thought XXXX was my friend and had given me his cell number. I texted him. He never responded. I called capital one immediately and reported that I had been scammed and cancelled my credit card before they took the money. I was told the transaction was pending and that I would be OK and not to worry. All of this happened within XXXX hours. I was told that they credited my account the {$1600.00} and I was much relieved. I was told I needed to report fraud initially and then, I was told I needed to file a dispute. 
Dealing with capital one was a nightmare. I spoke to one XXXX  person after another in the dispute department. I spoke with a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX other people whose names I did not write down. I was told I couldnt go past them when I asked to speak to a supervisor because I was told I had to use their secure site which was a complete joke. After hours of frustration I finally met a man who allowed me to fax what documents I had to prove that this company had taken my money with my capital one card. 
On XX/XX/XXXX I received a letter stating that my dispute was denied because I hadnt responded to their requests which was XXXX XXXX XXXX  I have done everything that they told me to do and wasted hours of time and energy to say nothing of lost sleep over this matter. 
Please help me. I believe capital one is as fraudulent as the moving company who scammed me. This can not be happening in XXXX. I am XXXX XXXX XXXXXXXX, a XXXX   and on XXXX XXXX. I have no one to help me but you. Please help me.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (PA)

Original Debtor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Bill for services not rendered ( wrong patient ) Original debtor submitted to AR Resources for collection.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I contacted original debtor who contacted AR Resources to request it be removed.

I contacted AR Resources who claimed it would take 30 days.

It has been 60 days and the items is still on my credit report. 

Multiple attempts to resolve the issue have failed
Consumer complaint received 2024-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding two separate but interconnected issues : fraudulent vehicle repair services provided by a family member and an unresolved refund dispute with Cash App.Regarding the fraudulent vehicle repair services, on XX/XX/2024 I entered into an agreement with a family member for repairs on my vehicle. As per our agreement, I was to make payments of the car repair of {$350.00}, then {$300.00} every two weeks for the services rendered. However, despite my adherence to the payment schedule and providing evidence of our contract, the family member unilaterally reclaimed the vehicle, breaching our agreement. 

Despite providing Cash App with screenshots, voice recordings of the contract, and the signed agreement, I have received no satisfactory resolution to the refund dispute. Cash App 's customer service has been particularly disappointing, with repeated attempts to escalate the issue resulting in interactions with automated responses that fail to address the specifics of my case. Despite my clear evidence and requests to speak with a supervisor, I have been met with the same automated responses, leading to further frustration and dissatisfaction.In light of these circumstances, I am requesting the following actions : A thorough investigation into the fraudulent practices of the family member involved in the vehicle repair services and appropriate regulatory action to prevent further consumers from falling victim to similar schemes.A full refund from Cash App for the disputed transaction, as I have provided ample evidence to support my claim. 

An overhaul of Cash App 's customer service procedures to ensure that consumers are provided with timely and effective assistance, including access to human representatives for escalated issues.I trust that the Consumer Financial Protection Bureau will take these matters seriously and work towards a satisfactory resolution. Please acknowledge receipt of this complaint and provide guidance on the next steps in addressing these issues. 

Thank you for your attention to these urgent matters. I am available for any further information or clarification required. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-03-22
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. (PA)

XXXX has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with transunion including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze on my report.