davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

My XXXX and I have tried to place {$20.00} dispute for a transaction dated XX/XX/XXXX as the merchant failed to fulfill the promised obligations. The bank even refused to accept the claim. We asked to mail the paperwork for the claim... instead they refuted back to the merchant. Aren't the bank supposed to accept the dispute ( at least ) and try in good faith attempting to resolve it? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear Retail Claims Customer, We have received your request and reviewed it. 
Unfortunately this is not something we are able to process. This is a situation that must be resolved directly with the merchant, please reach out to them for further assistance. We apologize for the inconvenience. 

Thank you for choosing Chase. 

Sincerely, The Retail Claims Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : Account inquiry XXXX I provided you with everything you need including the account #, merchant name and date. Send me paperwork to my address if not sufficient. i don't have time to call -- -- -ORIGINAL MESSAGE -- -- - XXXX XXXX XXXX Thank you for contacting us. 

XXXX, we received your request to research a transactions on your account. Your email inquiry requires the expertise of another team. 

For assistance, please call our Customer Claims Department at XXXX ; we accept operator relay calls. You'll need to provide : - Account or card number - Date and dollar amount of the transaction - Merchant 's name - Any other information you have about the transaction We appreciate you being a Chase customer. 

Thank you, XXXX XXXX XXXX Servicing Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I need to place {$20.00} into the dispute for the following transaction XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ID : XXXX XXXX debit - {$1000.00} I was promised {$20.00} for completing the transfer ... never received it and never gotten response from XXXX or XXXX [ XXXX XXXX XXXX : application/pdf Name : XXXX XXXX ] [ Attachment XXXX Type : application/pdf Name : No response from XXXX ]
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (MI)

XXXX XXXX XXXX with the account number XXXX is said to be a collection account that was sold to North American Recovery with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
Consumer complaint received 2021-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (MA)

In XX/XX/2021, I made a payment via the online portal for Comenity Bank/XXXX XXXX. I incorrectly transcribed the last 4 digits of my bank account as XXXX instead of XXXX. The payment didnt clear, as the account was incorrect. I was unaware of the problem until my credit score dropped 90 points from this late payment. I immediately brought my account up to date. 

I have three credit cards with Comenity Bank, all of which have been paid in a timely manner. This late payments and subsequent drop in my credit score, has rendered it impossible for me to secure any kind of financing or loans for my small business.

I have sent 3 letters requesting a show of goodwill, all of which have been denied. At Comenity Banks request, I then disputed it through the credit bureau to which they also denied after telling me they would not.

I certainly understand that bills need to be paid on time. I have tried very hard to pay my bills on time, especially throughout covid and owning a business that was shut down for months. A 90 point drop in my credit score has decimated my credit. 

I am seeking the CFPBs assistance in hopefully rectifying this, if at all possible. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (OH)

This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.
Consumer complaint received 2021-02-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZuntaFi Corp (UT)

ZuntaFi sent a notice that they are willing to settle a defaulted student loan debt they claim to be servicing. My student loans are not in default, nor are they serviced by this company. There is no information about disputing the debt in their collection letter. 
Attempts to reach the company by phone are unanswered and in the meantime they are reporting the defaulted debt on my credit. There is no debt owed, I am in good standing and my servicer is XXXX according to studentaid.gov. 

Searching the internet on this company, they appear to be doing this to a lot of people. I am considering bringing a lawsuit against them under the fair debt collection practices act, but wanted to ensure they are reported to the government for running this scam so that perhaps you can hold these people legally accountable, because I can imagine many people would fall for this scam.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (MA)

I have two Chase Business credit cards, opened as a sole proprietorship with my own social security number. Both account are associated with the same login and same personal information. I opened the second account recently and received the card this Monday ( XX/XX/2019 ). Today ( XX/XX/2019 ) I received a call from someone I know that they received a call from Chase Fraud Department asking for verification of my account details. I called Chase and spoke with them about this, and they confirmed several details : -There was no suspicious activity on the account -They call numbers from a third party database that they believe are associated with the account owner -They admitted to calling the number -They admitted to revealing the specific product I have -They admitted to revealing the last four digits of the account number Other information may have been revealed as well, but I was not on the phone call. I never authorized Chase to call others to verify my identity or reveal the specific account that I have, the last four digits of the account, or any other information they may have revealed. All of this was revealed without verifying the identity of the person they called. Depending on the numbers they call that are " associated '' with me and the information they reveal, my safety and security will be compromised.
Consumer complaint received 2022-09-26
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: CLGF Holdco 1, LLC (MN)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Approximately one year ago, my loan was transferred from XXXX XXXX to Select Portfolio Servicing ( SPS ). When it was initially transferred, I was enrolled in a biweekly autopay program. It took me several months and many phone calls ( at least 10 ) to have my autopay set up with SPS. Because my payments are on autopay, I don't always look at my monthly statements, as I can see them coming out of my checking account. Last week, I logged on to the SPS site to see the balance of my loan. Upon logging in to the account, I noticed that my escrow account is over {$5200.00} in the negative. After reviewing the statement, I realized that SPS had been applying the money meant for taxes and insurance to the principle on my loan. I immediately called the lender to let them know of the issue so that it could be corrected. The initial person that I spoke with told me that she was going to put me on hold for a couple of minutes to see what the issue was. After over thirty minutes of being left on hold, I hung up and called back to speak with a manager. The manager ( XXXX @ ext XXXX ) looked at my account, and told me that I was correct. My tax and insurance money was being applied incorrectly. He stated that he was fixing it and I should see the money back in escrow account in a few minutes. I checked my account while I was still on the phone with him and the money was not back in the escrow account. I stated to XXXX that the money was not there, and he told me " oh, no it will take one to two days '' to appear in your escrow account. It has been more than " one to two '' days, and the money is still not in my escrow account.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

What is reported on my credit does not match the invoice I was give by collection agency. I gave credit bureaus that & proof my identity was stolen twice & they keep siding with collection agency. The apartment on my credit is in Georgia, I contacted them & provided that proof to the credit bureaus. I have told this collection agency many times that their info is false & to get it off my credit. They send me an invoice for a complex on XXXX, tx yet post a complex in Georgia on my credit. My lawyer has been disputing this with them since XXXX  yet after everything its still on my credit report. Ive given credit bureaus letters for complex in Georgia stating I never lived there, police, XXXX XXXX XXXX reports but they side with collection agency. I & my lawyer have given all this to collection agency & still its on my credit for $ XXXX
Consumer complaint received 2023-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

On XXXX I received an email from Coinbase that an unauthorized phone number and email account tried to access my account.I followed the prompts on the app to lock the account. And then days later I tried to unlock the account and I kept getting rejected saying that the photo of my drivers license was not clear, i did this several different times. Then I called customer Service and they stated that the email regarding the unauthorized access was sent to me in error and that pictures of the license were clear and she would manually push the verification through. But there was an error with the site and she asked me to access chrome, and so i called back later. When i called back the rep was rude, said that the pictures weren't clear, he refused to let me talk to a XXXX and he refused to give me a number or email address to log a complaint through their company. I have repeatedly tried to upload pictures of the license, taken by XXXX different people with XXXX different phones, and I get the same error message. Please help meI have been locked out of my account for over a month and have no access to my money
Consumer complaint received 2024-03-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Around XX/XX/XXXX, I contacted Penny Mac to request for temporary assistance due to family emergency. I never been late on a payment since I acquired my home XX/XX/XXXX and my equity is over XXXX. I was denied the use of my equity and led to loan modification knowing I was eligible by the agent and eligible for my equity. I was told I don't have to make payments until the modification was approved. 

Now, XX/XX/XXXX, I get harassing phone calls and letter stating my modification was denied, my home will go into foreclosure, and I need to make payment now by Pennymac. They have knowledge that I'm XXXX XXXX and a XXXX veteran. Not once have they given me options or tried to help since I requested back in XXXX. They are discriminate and want to take my home or up my interest rate for their own business interest. This is unfair and unjust for a veteran that has never been late with a payment with them before. I was coerced purposely to choose the modification instead of equity. Now they refuse to let me speak to management when I call. This is not fair!
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (LA)

The company involved is " XXXX XXXX XXXX XXXX. '' I  was trying to refinance a home loan with XXXX XXXX, they send some paper for me to sign, the documents sent were written in English only, I signed the documents, and mailed back. In the documents signed, in the section were appear cash to close, the borrower is XXXX ;  nevertheless after the company then send me another document indicating that cash to close to borrower is XXXXUSD, I E-mail two letter to XXXX, as well as I, call XXXX XXXX at XXXX ( XXXX ) and he did n't return my calls, I just wanted not continue the process so he would n't claim that he was working on my loan, the papers were signed in XX/XX/XXXX, and mail in the XX/XX/XXXX, I received the document with different number from XXXX to XXXXUSD in XX/XX/XXXX. ( I speak, write, and read XXXX better than English, XXXX is my first language )
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Receivables Group, Inc. (SC)

Healthcare Receivables Group violated my H.I.P.P.A. rights once again and is attempting to collect on an alleged debt that does not belong to me. I have previously experienced unfair treatment from Healthcare Receivables Group. This is now my 3rd complaint about this company. Please be advised Healthcare Receivables Group are not Holders in Due Course. Healthcare Receivables Group received a validation notice from me stamped by the postmaster and received XX/XX/XXXX ; Healthcare Receivables Group have not responded and has continued to damage my credit files.

An authorized representative from Healthcare Receivables Group responded to complaint no. : XXXX on XX/XX/XXXX stating their account would be deleted from my credit report and sent back to XXXX XXXX XXXX on XX/XX/XXXX. 
On XX/XX/XXXX this account was NOT removed from my credit file and was actually UPDATED. 
I have uploaded a current credit report from XXXX to support that Healthcare Receivables Group continues to violate the FCRA & the FDCPA. 

On XX/XX/XXXX An authorized representative from Healthcare Receivables responded to complaint no. : XXXX stating their account was removed from my credit profile on XX/XX/XXXX and confirmation was confirmed on XX/XX/XXXX with XXXX. I spoke with a customer service rep from XXXX. ( I will not name her. She was extremely helpful. ) Healthcare receivables UPDATED their account again, it was not removed as stated in their response to my complaint dated XX/XX/XXXX. 

I did not sign or approve a medical releases of my private information to Healthcare Receivables Group. It has been proven that Healthcare Receivables Group are not Holders in Due Course, it has also been proven that my HIPPA rights have been violated once again and that I have never received any goods or services from these debt collectors. Please remove this account from my credit file It must also be noted that Healthcare Receivables Group never allowed me to properly dispute their debt before placing their account with the bureaus for collection. Proving they do not honorably allow their alleged clients to dispute the validity of their debts before placing their accounts with the bureaus for collection.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2019-08-01
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: ID Analytics, Inc. (OH)

I opened an account with XXXX XXXX XXXX internet to be installed. They do a credit check in order to ensure the customer would be of no concerns. That's no problem I understand that. Yet, when I receive the letter from XXXX XXXX XXXX stating my credit score is XXXX when in fact I know it is not its way too low. I looked into the credit agency where they have been known to lower your credit score by 200 points! Sagestream was, therefore, stating my score is XXXX when in fact XXXX  says it's XXXX and XXXX XXXX.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NC)

Using my social security for credit cards and accounts. His name is yer XXXX XXXX. His address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC. Number is XXXX XXXX Emailed he used XXXX. XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Albert Corporation (NY)

On Monday XXXX, I submitted a transfer request of {$100.00} from my external bank to Albert Cash, the {$100.00} was debited on the XXXX It was promised to be there on the XXXX ( Why it will take 10 days is beyond me ), It was not there, and customer service has no idea? 

It seems that Albert Cash is only interested in debiting cash from my other account, without crediting me. However the behavior is quite similar to a Front Running Ponzi Scheme, which is why I want to make CFPB aware to investigate the bank asap!
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I HAVE PREVIOUSLY ASKING PORTFOLIO RECOVERY COLLECTION COMPANY TO REMOVE MY PHONE NUMBER SINCE THEY CONTINUOUSLY CALL ME. TOLD THEM MY ADDRESS AND THEY CAN COMMUNICATE THROUGH THE MAIL WITH ME. TODAY, XX/XX/19, I RECEIVED A CALL FROM PORTFOLIO FROM XXXX AT XXXX XXXX. AND ADVISED THE REP THAT SHE BROKE THE FDCP OF CALLING ME AFTER I REQUESTED MY NUMBER TO BE REMOVED. HER REPLY TO ME WAS THAT WELL I HAVE YOU ON THE PHONE NOW AND WE CAN DISCUSS THIS MATTER. I HUNG UP. I DO NOT WANT THIS COMPANY CALL ME AND NOW I WOULD LIKE TO BE COMPENSATED FOR THE HARRASSMENT FROM THIS thank you, XXXX 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 59 days and I have not received a response from anyone. 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 2021-08-23
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. (CT)

The payment status for my loan has been incorrectly reported to the credit agencies XXXX  and Transunion and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( two documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- Transunion & XXXX credit reports. I am still trying to get the XXXX  report.