davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently settled the amount that Bank of America accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Consumer complaint received 2022-01-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

In XX/XX/XXXX, I filed a complaint with CFPB after Shellpoint reneged on a COVID-19 deferral. In the fall, Shellpoint declined to offer me a COVID-19 forbearance extension despite being qualified. At this time, Fannie Mae owned my loan. After the denial, I submitted on XXXX by email and fax all required documents. Approximately one week later, I spoke with a representative from Shellpoint who confirmed that my application for a loan modification was complete and under review. The call was recorded and can be retrieved for further investigation. On XXXX, I received a notification that " Shellpoint Mortgage servicing is the servicer of your loan until XX/XX/XXXX ''. " After this date, your new loan servicer will be XXXX XXXX XXXX. '' Please note that twice in 4 months, I was denied a XXXX forbearance and a loan modification. Shellpoint had no intentions of assisting me with a COVID-19 forbearance or a loan modification. The company remains strategic, vindictive, deceitful and discriminatory towards XXXX and the XXXX community. Shellpoint deliberately precluded me from being considered for a loan modification and an extended forbearance for COVID-19. On XXXX, I contacted XXXX XXXX to inquire about a COVID-19 forbearance extension or to be considered for loan modification. XXXX XXXX is only interested in monthly mortgage payments with no plan to offer a COVID-19 forbearance extension or to be considered for a loan modification. 

Shellpoint needs to be investigated thoroughly as well as XXXX XXXX.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (MO)

An account associated with XXXX XXXX XXXX located in Minnesota has been reported to my XXXX, XXXX and XXXX credit profile. I have requested the debt to be validated under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed every time to validate the account. I have also faxed and mail other requests only to not receive a professional and proper response. Unfortunately, XXXX XXXX has NOT validated the debt from 2014 nor have they responded to any other requests regarding the account in question. I mailed my very last correspondence to notify that I would be reporting to the CFPB. I look forward to hearing from your agency.
Consumer complaint received 2022-01-18
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: CORELOGIC INC (AR)

This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to report
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2022 around XXXX central time, I received a direct deposit from my company. which was weird, cause my payroll checks usually come on thursday night around XXXX. So i waited for the next day, and went about my business. I stopped and put gas in my car ( {$33.00} ) and then made an ATM withdraw for ( {$60.00} ). after that I went to work. I tried to pay a utility bill and was told transaction declined, I went to a ATM and was told Account balance unavailable. I was not able to log in using the App. Finally once I was able to get a person on the phone. Not one person could tell me what was going on, It finally took 10 phone calls. before the Service agent gave me some type of information, wether it was correct or not, It was better then the service i had been receiving. I was told my account had fraudulent activities, and had been suspended/locked. One agent even told me that it was my payroll check that caused this situation, although for the past 8/9 months, I have had all my payroll checks deposited into this American Express Serve account, to which I have had for over 6 years.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. XXXX has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to XXXX to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.
Consumer complaint received 2015-05-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northern Alliance Management, LLC (PA)

Company NAM continues to call my cell phone even though the debt is for the person who had my phone number prior to me. 

I have told them to stop calling and they continue to do so. When I call to tell them I am not the debtor, they hang up as quickly as possible to avoid having to remove my number. People are rude and threatening. Their Phone number is XXXX
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I spoke to FNB Bank of PA on XX/XX/2020. I had problem with XXXX double billing me for my services. I explained to the bank my issue. The did nothing to help me. I was able to speak to XXXX  to have the funds returned to my account. In doing so i was charged traditional overdraft fees. FNB Bank of PA does not post in a timely manner. I which caused me to have an additional overdraft fee. 
I called them back on XX/XX/2020 to resolve this manner. Even based on the date that return was done. They still charged me an additional overdraft fee.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (NC)

I submitted a payment on XX/XX/XXXX of {$400.00} to cover payment for XX/XX/XXXX. Due to system error on Conn 's side, the payment did not process. Conn 's has admitted the error was on their side, but still show that my XX/XX/XXXX payment was late.
Consumer complaint received 2020-02-12
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: CITIBANK, N.A. ()

In the month of XXXX, 2019, I stayed at a hotel in the country of XXXX for two nights. I paid for my hotel stay using my XXXX Citibank card and by using the XXXX App. The cost of my two night stay was approximately {$260.00}. No problems so far. 

Some time after my stay at this hotel, I saw on my credit card statement an additional charge of {$1800.00} issued by the hotel. The name of the hotel is XXXX XXXX, XXXX. 

I immediately called Citibank to dispute this charge. Citibank suggested I call to hotel to attempt to find answers to the problem. I did, four times, but nobody was able to offer me any information on the charge. With that, Citibank began an official investigation. They gave me a temporary credit of {$1800.00}. 

On XX/XX/XXXX, I received a message from Citibank saying the dispute had been resolved in the merchant 's favor because the cost of the two night hotel stay was {$260.00} and I had indeed stayed for two nights. They had investigated the wrong charge! And then they removed the conditional credit of {$1800.00}. 

I emailed them back immediately, letting them know that they had investigated the wrong charge, as evidenced by the fact that my conditional credit was for {$1800.00} but the documents they had sent me were discussing a different amount. 

Three weeks later, I got a reply that they had reinvestigated a charge of ... {$260.00}. Again, they had investigated the same unrelated charge! Despite the fact I had gotten a conditional credit for {$1800.00} back in XXXX, Citibank was continuing to investigate the charge of {$260.00} for my original two night stay at the hotel, a charge that I never disputed. 

I have emailed Citibank again over this but have gotten no reply. Meanwhile, the charge of {$1800.00} continues to charge me nearly 30 % interest. 

I am attaching the 3 documents I have so far received from Citibank. If you look at them in order, you can see the absurdity of the situation at hand. 

I would be grateful for any assistance on this matter.
Consumer complaint received 2017-08-23
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: EQUIFAX, INC. (TX)

Equifax, as required by law, offers a method to obtain free credit reports from the 3 major credit reporting agencies. It offers an online method through XXXX. However, just as I did when I tried a few years ago, when I selected free credit reports from all three agencies, after I completed the steps for the Equifax report and received it, I clicked on the tab to move on to the next report ( the XXXX report ). The next screen gave me the option to exit the site or cancel. It did not take me on to the XXXX report. 

This is what the agencies do. They put up obstacles to getting free credit reports in the form of glitsches in the online process. The website does n't work and the consumer is left to use a slower and more cumbersome process, such as ordering by mail, or paying for the reports. 

This is a SCAM that the credit reporting agencies have been running for years. It happens every time I try to be my free credit reports.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Background : My property is scheduled for foreclosure sale on XXXX/XXXX/XXXX per communication from Chase. This said property was included in chapter XXXX BK XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Issue : For XX/XX/XXXX interest payment ; I received a XXXX interest income. Please see attachment. 
How does previous BK ( where said property is listed ) be impacted by this XXXX? 
How is this going to be reported to the credit bureau? 
Can Chase XXXX a property in foreclosure process? Will I get a XXXX for XX/XX/XXXX when the foreclosure is complete?
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i had 2 Kohl 's Charge cards, made full payments on time all the time. One day I made a full payment on the wrong account before the due date but did not notice the error it until the statement came with late fees and interest charges. I called the costumer service and transferred payment from one to the other. They apparently waived the late fee but not the interest and the next month late fee on unpaid interest shows up. I called again and rep refused to hear my explanation and refused to connect me to a supervisor. Later on a second attempt they agreed to connect me to a supervisor but was on hold for 20 min. Meanwhile, every month I am getting a late fee charge for an interest that should not have been charged at all. They are only interested in taking your money, not in customer satisfaction.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW
Consumer complaint received 2020-02-12
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)

What Is the Fair Debt Collection Practices Act? 
The Fair Debt Collection Practices Act XXXX FDCPA XXXX is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees. 

COMPANY VIOLATED THIS LAW
Consumer complaint received 2022-08-18
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: BARCLAYS BANK DELAWARE (MO)

My statement closed on XX/XX/2022. Barclays stated that my rewards of {$41.00} were redeemed and sent to my XXXX  XXXX XXXX personal checking account. As of today, XX/XX/2022 no funds have been received and Barclays has refused to interact with me regarding this and are completely disregarding my concerns. They are illegally holding my rewards and are refusing to provide proof that my rewards were sent to my bank account.
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

To whom it may concern. 
My full name matching my passport XXXX XXXX ; Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX, XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about these corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward to your reply. 
Thank you
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I been a Synchrony bank/J.C Penney credit card customer for at least five years now. However, recently for reason unknown to me Synchrony bank first, resorted to preventing me from using my card and second has closed the account altogether. I last, checked in on XX/XX/2020 and was surprised to see the account status as closed for no good reason. As previously stated the account has been open for about five and in such time not a single payment has been made late nor is there a due balance on the account. I was neither informed of synchrony bank intentions of closing my account and in fact planned to use it soon. In such case, I consider synchrony bank acts as direct violation to my civil rights since as an ideal and paying customer I should have at least been informed of such action.
Consumer complaint received 2021-06-10
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. (CA)

im writing this complaint because ive obtained my credit report and seen the some questionable items on there that are very dangerous and a burden to my consumer report. the unjust and unfairness of the credit bureaus has caused me a great deal of financial stress. please help me resolve this matter as it is a surprise to me that these items are on there when never authorized for my permission.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2020, I was attempting to purchase a computer at XXXX on my Apple Card. The purchase was declined. I talked with multiple representatives at Apple/Goldman Sachs ( the underwriter for the card ), but was unable to use the card, even though the purchase was well below my limit. The credit card rep could not give a reason as to why the purchase would not work. I ended up using another card after spending about 50 minutes on the phone with the credit card company trying to get the issue resolved.
Consumer complaint received 2022-01-18
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

In XX/XX/XXXX, I contacted Conn 's to confirm payoff date for XX/XX/XXXX. So on Friday, XX/XX/XXXX, I contacted Conn 's to confirm the latest payoff but told my account has an additional {$1000.00} to the existing {$1400.00}. I asked why and Conn 's rep. told me that payoff due XXXX and payment late for this month. I informed Conn 's repeatedly that its store salesman XXXX errored when setting my payments ( 2 ) to beginning of month. He deceived me by saying it had been taken care of. However, as early as yesterday and today XXXX XXXX XXXX and XXXX ) Conn 's " collections '' reps. have been contacting me. Here are my concerns : 1. XXXX, Texas has been under a freeze of a lifetime, shutting down electricity and water, leaving 1.4 million households without help. 
2. No funding as the result of a week-long shutdown 3. Conn 's never provides support to disaster issues while saying it does. 
Not one Conn 's rep. has offered help but demands payments despite hardships. 
4. Busted water pipes, spoiled food and dealing with warmth are my priorities now.