davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NJ)

on XXXX XXXX XXXX CrossCountry Mortgage started to pay taxes on a property that i do not own this amoun twas XXXX on lot XXXX in XXXX nj. 
this made my escrow to go negitive. On XX/XX/XXXX CrossCountry Mortgage paid XXXX for insurance this payment should never been paid due to the fact I had Homeowners insurancs. This made the escrow to go more negitive. 
On XX/XX/XXXX CrossCountry Mortgage paid XXXX for HomeOwners insurace again. This made the esrow more negitive. XX/XX/XXXX they again paid the wrong property tax in the amount of XXXX again adding to the negitive in the escrow account. 
the negitive amount is now XXXX. This is after i made a payment of XXXX thia amount is XXXX which is the correct amount plus XXXX to cover their mistake. 
I have call them over 50 times trying to get them to understand their mistake but they would not listen. i sent them a letter of mistake, i sent them all paperwork need to prove their mistake, tax records for my property and the wrong property. I havegotten refunds from the city of XXXX nj. CrossCountry Mortgage only wants me to pay the higher amount, I am told well it takes time i need to give them more time. 
I have given them since XX/XX/XXXX and they have done nothing. 
CrossCountey Mortage said they look into this matter and sent me a letter saying they were paying the correct taxes.They never looked at the paperwork i signed with them which has the correct lots on it
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I noticed a collection on my credit report from Wakefield & associates for a debt of {$120.00}, I have never recieved any letters or bills from company they claim to have received debt from, then never received any mail or calls from original claim or Wakefield & associates. 

XXXX removed them, but I forgot about them until today XX/XX/2022 when I received a text from them. 

I spoke with them and they claim they've written to me and called and sent numerous text, but I asked if they have a log or record of this they said " why would we have that ''!. 

I have no record of a single call, letter or text from either them or original biller. 
The date of the service is a correct day I received service, but I have never received any separate bill from private doctor, the medical service I was provided was fully paid.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I had an account with an attached student account for my son who was underage ( XXXX ) upon opening. My account was closed by Chase because an overdraft occurred that was not paid for when I became unemployed. My son was still using his account and when he went to get a new debit card and his ID was verified ( XXXX ) Chase withdrew his direct deposit paycheck funds from his account of {$290.00}. I have been unemployed since XX/XX/2018 and He makes his own funds. Chase has taken his funds to return to school.
Consumer complaint received 2022-10-06
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX UNIV Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; COAF Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion 's online dispute portal is not functional. Upon entry, the menu states, " To submit a new investigation, click on the New Investigation link above. '' However, there is no " New Investigation '' link ( or anything similar ) anywhere on the page. Nothing comes up upon searching the website. It is not functional and leaves customers without the ability to exercise their right to dispute aspects of their credit report.
Consumer complaint received 2017-07-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (ME)

M and T bank sold my mortgage. I in error sent an electronic payment to them instead of my current mortgage company. M and T took the money, when I realized the error and called them it took multiple calls over 5 days, including escalating to supervisors to try to find where they put the money. They refused to do a conference call with my bank to figure out a way to prove they took the money, they refused to confirm they received my documentation proving this, all because I do n't have an active account with them. They then told me they sent the money back to my bank but could provide a tracing number to prove this. I then forced a conference call, was told they would call back with the tracing number, then they called and said they realize they still have the money, they were looking under someone else with the same name. They were unable to explain how they have someone with the same exact name who accidentally sent them the same exact amount of money on the same date from the same bank. They then reported they could only mail a check the next day, they could not electronically transfer the money despite trying to tell me that they had previously done an electronic transfer. When the money had n't arrived 11 days later I called to find out they had n't sent it the next day as agreed, but rather 8 days later. This was a clear attempt to keep money they knew was n't theirs, and completely unethical behavior for anyone but especially a bank
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-11-13
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. (NJ)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2023-04-04
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: PNC Bank N.A. (OH)

I contacted XXXX XXXX XXXX  on XXXX XXXX regarding information reporting on my consumer report due to identity theft. I was denied relationships with financial institutions and currently have one account frozen due to derogatory information reporting on my account resulting from me being a victim of identity theft. I disputed this information followed with a police report requesting that the information be blocked. I also filed a separate dispute with the CFPB ( Reference # XXXX ) clearly stating the account number to the account that needed to be blocked ( XXXX Checking Account # XXXX ). I had been harassed by a debt collection agency named XXXX so I specifically listed the account at XXXX that needed to be blocked as there is an ongoing investigation! XXXX XXXX XXXX sent a letter stating they received my dispute and had placed a block on the XXXX account due to identity theft. They didnt reference back to the XXXX account that I listed on my dispute CFPB complaint. Instead XXXX XXXX XXXX blocked XXXX account that list checking account fraud but not all of them! I recently tried to open a bank account and was denied again due to XXXX XXXX XXXX not being fair in their practices! Also XXXX XXXX XXXX is reporting several accounts from PNC bank with different status reasons. The accounts are listed below : PNC Savings Account # XXXX Closed Purged PNC account # XXXX it doesnt state what type of account this is but status lists Closed-purged PNC account # XXXX XXXX for cause-purged This inaccurate information is critically damaging my future relationships with banking institutions and needs to be removed immediately. I owe PNC no debt and any outstanding balances has been satisfied per my XXXX consumer report.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

Hello, My name is XXXX XXXX XXXX. Ive been trying for almost two months to retrieve my funds via a payment that was sent to my Chase account through XXXX. 

I had someone send me {$400.00} for an item I sold to them. The payment has cleared on their end and they arent unable to cancel the payment since theyve sent it already. I received an email alerting me that I would be receiving a payment from XXXX XXXX who banks with XXXX for {$400.00} on XX/XX/2019. I tried to accept the funds and I get a message on my account saying that an error has occurred and my email address needs to be added to my XXXX/XXXX. This is the same email account that Ive used for all of my XXXX   transactions and with Chase.. 

i try deleting and re-adding my email and it says that I have a pending payment but as of yet, the payment has not been credited to my account. I have called every number I could at chase and XXXX with no luck. I went into my branch to speak with a banker who was also of no help. Ive contacted Chase executives who also would not help me. Ive provided screen shots of my account to customer service and of the pending payment and Im still being told that they cant see it, when its clearly on the screen. 
. The sender of the funds now thinks Im trying to scam him because I asked a few times to cancel and resend the payment and has since blocked and cease communication with me.
Consumer complaint received 2019-07-27
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/19 I purchased 2 plane tickets on the American Express Travel web site using all the American Express loyalty points I had available ( XXXX points ). The purchase with the points was confirmed ( see attachment ). I had contacted American Express Travel after the purchase to ask when the points will be applied because they were not immediately removed from my points balance. The rep stated that it could take a few days before the points are applied. 

On XX/XX/19 ( 20 days later ), I noticed that American Express had taken the next payment scheduled from my checking account and it included the full amount of the plane tickets that were paid with the points. 

On XX/XX/19 I called American Express and explained the problem, the rep had to transfer me to another rep at American Express Travel. I was transferred and explained the problem to the new rep. I was placed on hold for some time ( about 1 hour ) while that rep was following up on the issue. Eventually she came back and stated that there was an internal error applying the points and that I had to be transferred to a supervisor to rectify the problem. I was then placed on hold for some time and after a while the rep stated that I can continue to wait or get a call back. I agreed to the call back, but I never got a call back. 

I called American Express Travel that evening XXXX XX/XX/19 XXXX and had to start over explaining the situation to a new rep. I was then told that I again needed to be transferred to a supervisor. The rep took my call back phone number in case I got disconnected. I was then placed on hold for a long time ( over 40 minutes ) and no answer. I had to hang up because I had an appointment to go to. I never got a call back. 

I called American Express Travel again on the morning of XX/XX/19. I got a new rep who again took my call back number and after I explained my situation, he proceeded to transfer me to a supervisor. Again, no answer after waiting on hold for 45 minutes. I had to hang up. No call back. 

I am certain you would agree that I should not keep calling to get nowhere, I have attempted three times already. This is why I am filing a complaint. I had decided to book my plane tickets with American Express Travel in order to use my points. I even paid more for the tickets ( about {$200.00} more ) than if I had booked them with another agency. Not only did American Express fail to use my points ( even though I have a confirmation ), they proceeded to take the funds from my checking account for the full amount of the tickets. And since it has been very difficult to reach to the right person to rectify the issue.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

1 : What is this complaint about? 

This is in regard to an available credit freeze after a payment. 

2 : What type of problem are you having? 

I recently opened the card and used it to pay for part of a large purchase. I used this card because I wanted to earn the point in the store it's associated with ( Bass Pro Shops ). I paid the balance down by {$100.00} before the due date in order to use the credit card again for more points on the next purchase but it turns out that the hold is in place from XX/XX/2021 until XX/XX/2021. I have made no other purchases and paid my first payment early, so I do not know why the hold is in place. 

Step 3 : What happened? 

I contacted Capital One in order to ask about the hold. I asked 1 ) why it happened -- they responded " there are several factors, '' but couldn't list any factors when I dug deeper 2 ) is there any way that I can request the hold to be lifted sooner -- they said no 3 ) who monitors and applies these holds -- they said they didn't know 4 ) how do I file and official complaint -- they responded that the supervisor I spoke with would escalate the complaint and offered no proof that it was in fact escalated Step 4 : What company is this complaint about?

Capital One on behalf of the Bass Pro Shops credit card Step 5 : Who are you submitting this complaint for? 

Myself
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In XXXX I began the process of working with XXXX XXXX XXXX to settle my debt. XXXX 's XXXX Bank was one of the accounts. XXXX  agreed to a settlement in XXXX of XXXX ( proof provided ) and XXXX XXXX XXXX sent them a settlement payment through XXXXXXXX XXXX  which XXXX process. Around XXXX of XXXX, I noticed a collection on my credit report from Portfolio Recovery Associates LLC for the original XXXX 's Debt. Starting in XXXX, I contacted Portfolio Recovery and provided several forms of evidence showing the debt was paid. Portfolio recover stated they purchased the debt in XXXX of XXXX. I submitted a Statement from XXXX XXXX XXXX showing the settlement and payment, a letter from XXXX  accepting the settlement, a receipt that the payment was made for XXXX XXXX XXXX through XXXX XXXX XXXX, a bank statement from XXXX XXXX XXXX showing the payment made, and a copy of the check sent to XXXX bank in the amount of XXXX that was processed by XXXX Portfolio Recovery still refuses to accept my evidence of payment and continues to send me letters or remove the collections from my credit report.
Consumer complaint received 2019-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I am revisiting this complaint that has impacted me for years since graduating in XX/XX/XXXX.  Sallie Mae ( now both Sallie Mae and Navient ) coerced me into NOT doing student loan consolidation in XX/XX/XXXX ( that significantly dropped my variable interest rates into a low fixed rate ) when they had a consolidation program available. They told me not to consolidate if I had thoughts of going to XXXX XXXX because if I go to XXXX XXXX I wouldn't be eligible for school forbearance, and that I could do consolidation when I am completely done with school. -- - So I continued to pay on the loans at the high interest rate, and I went back to school I was working and going to school - Sallie Mae made the assumption that if a student is in school they don't pay their loans -- this is false and has been harmful to my credit score, getting a mortgage, and now trying to consolidate my loans through XXXX ( I am not eligible now b/c of debt to income ratio and also my credit score ) ... ..I called Sallie May again in XX/XX/XXXX and XX/XX/XXXX when I saw my fixed rate increased yet again asking/this time begging for the consolidation and they told me it was no longer an option/stopped offering it to consumers ... a couple years ago, a Sallie Mae rep told me that the only time they lower rates is if I show I can not pay, and that happens when you can't make payments based on income and expenses. This killed my credit score, which I have yet to recover from to do student loan consolidation. Paying back my loans has been a struggle since XX/XX/XXXX and I want Sallie Mae to drop my student loan interest to the rates they would have been if they would have been consolidated back in XX/XX/XXXX, and remove all credit reporting when they put me on a " special rate program for people who can't pay ''.
Consumer complaint received 2019-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

Dear CFPB, this is a final attempt to bring to your attention possible fraud and discrimination brought upon me by JPMorgan Chase Bank due to my financial practices. Attached will be an email that was contradictory to the horrendous experiences I keep on having with their costomer service regarding my debit account XXXX. They will not allow me to open an account or receive statement showing the full disclosures pertaining XXXX, XXXX XXXX XXXX  and myself. I need those statements to file my irs documents plus it is the law as I understand it that they must disclose all activities done in my name.
Consumer complaint received 2022-12-30
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. (TX)

Yourrecords show that account number XXXX has a balance of {$14000.00}, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Thank you National Credit Adjusters what was sent to the CFPB was paper that is not a validation there was no original contract with my signature from XXXX AND no contract from you with my signature 15U.S.C.1681a { e } that's law that you are required to follow,15U.S.C.1611,15U.S.C.1602 { l } ,15U.S.C.1692e { 2 }, 15U.S.C.1681A { e } ,15U.S.C.1681 { b } these are laws that needs to be followed in Validation reinvestigate, but the law states that the account has to be removed while under the investigation Please refer back through the CFPB thank you