davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : AMERICAN EXPRESS Accounts # XXXX I am writing you to inform you that under the F.C.R.A Law American Express failed to notify me at least 5 business days before they reported negative items/late payments on my credit reports for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By F.C.R.A law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. American Express failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit reports. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and these negative items/ late payments must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the months they reported these negative items. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balances from those specific months and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance!! these negative items/ late payments must be deleted.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (OH)

I got a call and i answered hello? lady on the phone said can i speak to XXXX XXXX. I said who is this and she said this is XXXX XXXX XXXX. I said uh who wants to know and she said is this XXXX and I said I don't know and she said is this the XXXX who was born onXX/XX/XXXX 1990? I let her know she gave out my personal information and that she was violating the debt collecting laws.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (CA)

During XX/XX/2023, I received a letter in the mail from Laurel Road  XXXX Key Bank, N.A. NY XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX ) saying that my recently opened ( XX/XX/2023 ) checking account ( ending in XXXX ) was going to be closed within the next 5 business days. They also said that any remaining balance would be sent to the account statement address in the form of a check. Therefore, I waited a few weeks, but the check never arrived. My online access was removed, so I could not check any status easily. However, based on the latest account statement, I knew the account had a balance of {$790.00} dollars. I ended up calling the bank, and they confirmed on the initial call that I was going to receive the check soon, however, after a few weeks it did not arrive. I called again, and now the customer service rep told me they need to receive a letter from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) so that the funds can be sent back to the original account where they came from, which would be also OK since that was the account of my husbands employer. Ive called Laurel Road multiple times, and they say they are still waiting for XXXX to respond to their letter, its been more than 4 months and the funds are still on hold. Laurel Road  says they cant do anything until they receive a response from XXXX. Therefore, Ive asked them to provide more information about the letter or a copy of it, so I can follow up with XXXX, but they say they can provide that information. Ive also called XXXX to inquire about the letter and the status of the request, but they cant find anything, it makes it difficult for me to recover the funds since Laurel Road does not want to provide a case number or a copy of the letter.
Consumer complaint received 2018-12-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GVA Holdings, LLC (IL)

The original loan was for {$250.00} through XXXX XXXX  who has written it off and sold it to XXXX XXXX. Who call me cell phone repeatedly daily, call my work and say they are calling on legal arbitration charges, say they will be at my work or my home within 24 hours where ever they can find me. Stated that they are suing for {$3200.00} from a {$250.00} loan. They are calling anyone they can get in touch with and giving out my personal information, as well as harassing, false representation, pretending they are an attorney, calling from local numbers that you cant call back due to them being disconnected. I have also not received one notification from this company at all showing what I owe, what the original loan was for. I have asked for all of this and I get nothing in return. Stating Ive failed to comply, how am I supposed to comply when I have nothing in writing to verify this is correct. I dont pay people over the phone, I dont deal with harassment over the phone, nor do I deal with frauds. Also their company and phone numbers are plastered all over the internet as scammer, be aware, do not give any information to these people. Their number is XXXX, theyve also called from XXXX
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage with Nationstar ( Mr. Cooper ) was transferred to XXXX XXXX XXXX on or around XX/XX/2015. After a few months making my payments to XXXX XXXX, they added {$15.00} for a fee. I called them to inquire about this fee and they told me they didn't know what it was for but they were legally entitled to do it as per my mortgage document. I wrote a letter to them asking for the specific reason for the fee and they answered stating that it was for a Property Inspection ordered by the previous lender ( Nationstar ). I believe consumers are not to be charged for expenses incurred by mortgage companies to transfer mortgages between them because we don't have a saying in the process and we didn't ask for it. 
My concern is that this is a hidden fee being charged to other consumers and nobody complains because is a small amount and they don't want to the trouble of claiming it.
Consumer complaint received 2022-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX have been reporting to my credit as a collection on XXXX and Equifax the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2023, my husband went to Chase Bank located at XXXX XXXX XXXX in XXXX Colorado. He had an appointment to meet with a Chase Mortgage representative to discuss home impovement loan or cash out refi on our home. 
He met with XXXX XXXX. 

XXXX asked him what our mortgage payment is. My husband told her that I handle all of the bills. She asked what my name is and then proceeded to login to my account. WITHOUT my permission. No PIN, no verification, no passcode. Just blatantly started scrolling through my bank account to try to find my monthly mortgage payment amount. 
As they sat together at the bank, my husband called me and said " what did you get at XXXX? '' This threw me off because my husband and I do not have a joint bank account. He does not have access to my banking information and vice versa. 
She also turned the monitor around at one point showing my private banking information to someone not authorized on my account.

I will be closing my checking and savings accounts with Chase and so will my husband.

Having an employee access my personal single user account and then sharing that with a non-authorized user is a blatant breach of consumer compliance.

I would like to file a formal complaint and request financial compensation for this illegal action against my privacy. 

I spoke with XXXX XXXX, XXXXXXXX XXXX supervisor, about this and he apologized and said he would escalate to their compliance department. I spoke to him today.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (RI)

EFT using chime pay anyone feature sent to wrong recipient numerous disputes denied, support messages deleted, recorded phone call with support staying recipient was not the account owner that was paid never used for investigation, deliberately violating federal EFT laws.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/18, my Mother ; XXXX XXXX, XXXX XXXX and contacted the phone number that was given. She spoke to an " XXXX '' rep regarding a refund that she had failed to receive from a return. The individual from " XXXX '' asked my Mother to check her bank account to see if her refund had gone through. During the phone call, the other party accessed my Mother 's bank account and wire transferred {$100000.00} from her checking account to XXXX, XXXX My Mother contacted the Fraud Dept. at Chase Bank the same day and filed a report. 

On XX/XX/18, all accounts were closed, new accounts were opened, a new router was purchased, a cell phone, the home phone number was changed, and a new computer was purchased. Additionally, a police report was filed with the XXXX County Sheriff 's Department, an FBI report was filed via XXXX, a report was filed with the Federal Trade Commission , and the Secret Service and the FBI were contacted. 

Once the police report was completed, a fraud report was filed with Chase Bank. In addition to the {$100000.00} being fraudulently transferred, {$400.00} in XXXX charges were made against the account. Chase Bank reversed the XXXX charges. Yet, are refusing to refund the {$100000.00}. 

My parents receive phone calls from Chase Bank when they are out of town and attempt to purchase groceries. Yet, never were notified by Chase when an unusual, and unauthorized wire transfer went through for {$100000.00}.
Consumer complaint received 2018-04-23
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. (AZ)

Bk -XXXX*chapter XXXX BK -- XXXXChapter XXXX BK-XXXX-Chapter-XXXX disputed these should not be on report credit report agencies never responded
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I had a count at walmart i paid my monthly bill on the XX/XX/XXXXl XXXX dollars and then i turned around on XX/XX/XXXX i made an extra payment of XXXX dollars to get my account down, on the XX/XX/XXXX i was told by walmart that they did not get my payment, now i received payment processing number for both now once i called my bank i found out there were some problem with my account and i guess the payments did not go through so i called and made a payment of XXXX dollars at that time i was told my account was closed and charge a XXXX dollar late fee, i tried to explain to walmart it was not my fault but they did not care the bank closed my account and i didn't know until i was on the phone with them and also they didn't receive my payment. now my account is closed and they still want me to pay late fees on top of what i owe, i do not feel walmart is right or rather the bank and i need help. And also as of XX/XX/XXXX when calling walmart about my account it stated Thank you for the payment of XXXX dollars now going by that alone you see there is a problem because that statement was said before i made another payment of XXXX dollars so what is a customer to do.Walmart is wrong and they don't care.
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Select Management Resources, LLC (OH)

THE COMPANY LOAN MAX LEFT TOWN I LOST MY JOB IN XX/XX/2019 THEY LEFT TOWN CLOSED UP AND I HAVE NO TITLE TO MY CAR THE XXXX XXXX XXXX ATTEMPTED TO REACH THEM IN AN OFFICE XXXX OHIO THEY REFUSED TO SPEAK WITH THEM THERE IS NO RECORD OF THE LOAN OR ANY OTHER INFORMATION ON ANY OF MY CREDIT FILES NOR ANY LISTED INQUIRIES AT THE TIME THE LOAN WAS ISSUSED THEY DEMANDED CASH AS PAYMENT AND NEVER ISSUESED ANY RECEIPTES I NEED THE CAR I AM OVER XXXX AND I NEED TO GET TO WORK AND THE DOCTOR AFTER MY XXXX  THE STATE OF MICHIGAN REFUSED AFTER INFORMED OF THE ABOVE TO EVEN ISSUE A LIEN TITLE SO I COULD GET PLATES THEY NEVER TRIED OR TOLD ME THEY WOULD REPOSS THE CAR I NEED A TITLE, MICHIGAN SAID THEY WOULD 'MAIL " THEM A TITLE MAIL WHO? I PAID THE LOAN I NEED THE TITLE NOW
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of XXXX XXXX. I have now spoken to 10 representtative of XXXX XXXX and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of XXXX XXXX and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

Since filing the previous compliant with the CFPB last week, Chase Bank closed my checking account on the same day they received the complaint. I have spoke to the loss prevention department which is overseas and they don't understand when you talk to them the process or banking within the US. They have also locked my online account with the loss prevention folks stating I will not be able to have any access to online accounts or through the app. My checking account and loan are two different things. I have also requested that I go to the bank and get the XXXX cashiers check they state they will issue me. Unfortunately, loss prevention does not have a date they will return my XXXX in my checking out. Chase clearly thinks they can do as they please without any implications. I would like some assistance with this ASAP... Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I would like the student loans on my credit report removed as they are a violation of FERPA 1974 per 20 U.S.C. 1232g ( b ) ... a violation of the family educational rights and privacy act of 1974.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (FL)

I have a new hard inquiries on my credit report. I do not recognize any of these inquiries. my name was also altered and added incorrectly and fraudulently that was also reported on my credit profile
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I was sued by XXXX XXXXXXXX XXXX XXXX on behalf of Citibank for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from XXXX proving that they obtained the debt from Citibank. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name was attached to a Fraud alert and or high risk. I know this because chase denied me a bank account because of it. Then I tried to apply for credit card with XXXX  XXXX and they relayed the message that o had fraud alert associated with my name. Its effecting every aspect of buisness and life.i need the fraud alert removed by the credit bureaus.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I contacted the three credit bureau 's on the free government credit reports website, to get my yearly credit reports from all three, back the XX/XX/XXXX. I received one from  XXXX   with no trouble, When I got to trans union after I put in my info and the report came up, I tried to download the report and the system crashed. When I got the system back up it told me I had already got the report which I did not. I called trans union, and  the custom service representative told me the same thing. I continually tried to explain to him what happen with the crashed site, he told me I would have to buy the report so the phone call ended with no report, but I did tell them that I was going to get in touch with the commission that oversees their operation. I have only dealt with them once before and I did not have a issue, back in XXXX and got my report with no problem online, so I don't understand what happen this time. 
I went ahead and attempted to order my XXXX report, the reponse I got while on line was I had to send in information, IE ;  ID, social security card and the reason I wanted the report on a cover page which I did and mailed it on XX/XX/XXXX ; I do beleive i had this problem with XXXX  in the past some years back. When I called today ( XX/XX/XXXX ) they ask me about my loans and who it was with, I told them that the only one I had was a student loan and I didn't remember who it was with because it was over twenty years ago ( now that I writing this I realize I should have remembered, but I was upset that I had already done what they had asked in sending info via mail ) .Then I talked to a supervisor and told her the same thing and she ask me a additional question about a job that I had in the past, and I gave her three that I know was on the last transunion report, then she proceed to tell me I did not answer correctly. So I am at a loss to why these reporting agencies are not cooperating with giving me my credit reports
Consumer complaint received 2019-03-22
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: EQUIFAX, INC. (TX)

To Whom it may concern : I am in a house process and I have request to Equifax, even fax proof to remove a collection company reporting on my credit report. Equifax has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from Equifax. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

On or about XX/XX/XXXX, PNC stated that it had declined my loan modification because I had had 4 loan modifications in the past and that number is for the life of the loan I am therefore never again eligible for a loan modification again per PNC. 

PNC has FAILED to provide through CFPB 4 ( FOUR ) loan  MODIFICATION AGREEMENTS signed by me since the INCEPTION OF THE LOAN on or about XX/XX/XXXX. 

PNC FAILED to attach any policy which supports its decision not approve my loan modification per policy. I HAVE ASKED FOR COPIES OF POLICIES ON MULTIPLE OCCASIONS. POLICY SHOULD BE MADE AVAILABLE FROM AT LEAST XX/XX/XXXX, THE MONTH I INITIALLY APPLIED FOR THE LOAN MODIFICATION.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I notice my credit report has unauthorized inquiries, same company but different dates XXXX XXXX XXXX Date:XX/XX/XXXX :XX/XX/XXXX: XX/XX/ Type All Banks XXXX  Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXX XX/XX/XXXXType Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date : XX/XX/ Type General Clothing Stores XXXX XXXX XXXX   DateXX/XX/XXXXType Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Date XXXX Type Auto Financing Companies