davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

XX/XX/19 XXXX XXXX ACCT # XXXX {$20000.00} WIRE TRACKING # XXXX  TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$20000.00} # XXXX confirmation code : XXXX   TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ACCOUNT # XXXX  SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX XX/XX/19 XXXX XXXX XXXX XXXX {$20000.00} ACCT # XXXX  REF # XXXX  TRANSFER TO : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX {$15000.00} ACCT # XXXX WIRE PAR # XXXX DISCLOSURE # XXXX TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX Spoke to banks about the fraud and stopping money they said couldn't help me. Banks should alert people when they know 9 out of 10 times every wire transfer to XXXX XXXX XXXX ( XXXX XXXX ) XXXX  is fraudulant. If they would have said to me do you know there is alot of fraud wiring money to this bank I might have realized it was a scam before I sent out {$75000.00}.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I had an account with XXXX in XXXX. I closed the account and switched to XXXX and was with XXXX for the following 15 years. I started receiving calls from XXXX and then from a debt collector stating that I owed {$660.00} for air waves which are devices placed in a home to increase cell service. They stated that I had had an account with XXXX from XXXX-XXXX. I was very clear that I closed my account with XXXX in XXXX and they could see that my contact information on file was from XXXX ( a college email account- I graduated from college in XXXX ). I disputed the account in its entirety and was told it was a common issue, when a customer closes an account but it doesnt get closed and someone else uses it. I didnt hear anything for one year, then received another collections call. I went into my local XXXX store to inquire as to the legitimacy of the call and was assured that there was no account on file and the collections call sounded like a scam but was advised to call their 800 # to confirm. At the 800 #, I was told that there was a closed account, which should be the case since I closed it in XXXX, but the rep told me that since I couldnt give her the account password, she couldnt tell me any details, and none of the contact info on file belonged to me. My credit report updated today and it says I was reported to collections and it is now on my credit! I have never had a collection, my score was over 800, and I have not had a XXXX account since XXXX at which time I closed it. I never had an air wave when I was with XXXX, either!
Consumer complaint received 2020-02-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MO)

My wife and I have been trying to refinance and pull cash out. The loan to value is low We are using my VA benefit. We have had the inspection and there are several small items, primarily peeling exterior paint on molding around garage doors and windows. I contacted the VA and was told due to weather the VA would give them a waiver. 

My lender Freedom Mortgage, who currently has our mortgage, would not request the waiver but instead want to do an escrow holdback for {$1300.00}. My fear is that I can not get the paint complete due to weather ( I am in the XXXX in XXXX XXXX within in their timeframe which I am sure will include fees. 

I feel the company is putting an additional barrier up for me to use my VA benefit.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (LA)

I bought my house on XX/XX/XXXX. I closed my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sold my mortgage to Ameri Home Mortgage on XXXX, XXXX. Since then, I paid seven {$3000.00} mortgage payments. After I closed my house, I I didn't get any Loan statements from my previous loan company, until they sold my mortgage to XXXX XXXX. There I found that all of my payments are not displaying in the statement. I called my new company several times since XX/XX/XXXX to XXXX, XXXX to fix my mortgage statement in online or paper copy. They said they will do it but don't do it. Even I send them copy from my bank of my checks still they don't take it seriously. 

I paid extra money so I can lower my principal and stop paying for the PMI. But every time I pay they take it as a mortgage payment and pay for the future mortgage payment. I paid last time on XX/XX/XXXX. My mortgage is not due until XXXX XXXX. 

I called them several times and request them to transfer it to my principal, they donot do it. 

I am requesting you to find out what happened to my all payments and why they don't transfer my money to principal not mortgage interest.
Consumer complaint received 2021-06-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have including XXXXXXXX XXXX XXXX XXXX and sent the letter via mail on XX/XX/2021 and I have yet to receive a response. I have patiently waited for 120 days, no response. I asked that the validate this account that is inaccurately reporting to my credit profile and still no response.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MT)

I had a checking account with XXXX in XXXX that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX XXXX for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MT)

I had a checking account with XXXX in XXXX that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX XXXX for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Consumer complaint received 2020-02-21
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. (MT)

I had a checking account with XXXX in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

XXXX reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with XXXX, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Consumer complaint received 2022-12-01
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD ) XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (MI)

Security Credit Services Company has violated several of my consumer rights by attempting to re-age an alleged that they claim I owe. Security Credit Services also never notified me of my right to dispute the debt or their intent to report the debt to the credit bureaus. When attempting to validate the debt with the company they did not provide sufficient documentation to validate the debt and blatantly ignored my concern about the date reporting that the account opened on my credit report and other inaccurate information reporting on this alleged debt based on documents submitted by them. Security Credit Services is also not registered in the state of Michigan where they are attempting to collect the alleged debt and it is required in Michigan that collection companies be licensed.
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (CO)

On XX/XX/XXXX I informed the Army Air Force Exchange Services that I was a victim of identity theft and a Military Star card was taken out in my name. They refused to take action. I demanded the account be closed. 
On XXXX XX/XX/XXXX as requested I notified AAFES fraud department via email. I then called AAFES to confirm receipt, but again the representative refused to contact the fraud department to confirm receipt. After my insistence the representative contacted the fraud department and confirmed receipt. 
Subsequently, they sent multiple emails, and bills trying to collect the debt. 
In XXXX they sent me a credit card for the account I did not open. 
In the first week of XXXX they notified two members of Congress and myself that the account is closed, they would zero the balance, and would remove the account from my credit report. 
However, on XXXX XX/XX/2020 they sent another email indicating I still owed them money. Thus, the lied to Congress and myself.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I make a payment arrangement in " Bank of American '' Agreeing with {$200.00} dollars a month. However, Bank of American continues to call me every month on my Job with harassment calls about the {$200.00} that I have been paying every month. 

Also, I don't understand. I am making payment to them and the calls continue every month.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (FL)

I received a notification of a creditor placing an account on my credit report for XXXX XXXX. Ive never had or spoken to anyone from XXXX XXXX. I immediately asked the company Allied to provide me with legal validation of this debt. In return they sent back a copy of a bill the does not have my SIGNATURE showing I was even aware of this bill which is a violation of my right as a consumer under the FDCPA. Im seeking original documentation between myself and XXXX  with ORIGINAL signatures and they have failed to send me therefore Im asking the account be deleted permanently from my credit report.
Consumer complaint received 2020-02-21
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: Paypal Holdings, Inc (MD)

I made a purchase in XX/XX/2018 at XXXX XXXX XXXX  XXXX using paypal. I returned some of the items in XX/XX/2018. For over 2 years I have contacted paypal to process my return they refuse to process my return to my XXXX  XXXX XXXX credit card and insist on charging me a fee to get my {$26.00} return processed. 

This is unacceptable and beyond poor business practices. I am requesting that my return be processed with interest. 

I have tried to resolve this issue over and over again both on the phone and via the chat they refuse to process my return to the credit card stating the return was rejected. XXXX  XXXX XXXX has no information on a rejected return. 

I should not have to pay paypal a fee to process the return for my purchase.
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (WI)

For 7 years I have faithfully been paying off a XXXX XXXX XXXX XXXX balance from {$13000.00} to today {$750.00} : Now : XX/XX/XXXX I asked Ms. XXXX of Chrysler Capital to provide me option to pay XX/XX/XXXX and pay off the remaining balance in XX/XX/XXXX. Non-negotiable. I stated fine. put me in collections if you refuse to work with me in order to pay off remaining balance to release full-title and lean of ownership.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK (MT)

I had a checking account with FirstBank in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

FirstBank reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with FirstBank, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

My business had a Home Depot Contractors account serviced by Citibank. Account # XXXX XXXX XXXX XXXX in the name of XXXX XXXX XXXX XXXX XXXX XXXX. 
The account was closed around XX/XX/XXXX and credits were issued and a final payment made over the phone with Citibank. The cards were shredded and there was never activity on the account from my end with regards to purchases. 
However, while preparing for taxes it came to my attention on XX/XX/XXXX from a Citibank robo-call that there was an outstanding balance of {$12.00} on my " CLOSED '' Home Depot business card. 
I made a call to Home Depot Accounts and confirmed that the account was CLOSED. 
I contacted Citi to inquire where the balance was coming from. IT appears that when they issued the credits and quoted me the payoff they were {$4.00} short in their calculations. 
They have for the past seven ( 7 ) months been adding a {$1.00} late fee to the CLOSED account. I offered to pay the {$4.00} today, XX/XX/XXXX to set the balance to XXXX. They could not assist. I was transferred to a Customer Account Manager and offered to pay {$5.00} to set the account to XXXX. The response was " We do not negotiate ''. I implied hat I will file a CFPB complaint and it will surely cost them more than {$7.00} to respond to it. He was not bothered nor interested in taking the {$5.00}.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XXXX of this year I paid off my current balance with CAPITAL ONE plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead Capital One has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

It is a shame to having to come to CFPB for things that chase could have easily handle it in the branch or over the phone. This just shows how pathetic chase bank service is. 

Went to chase branch to reopen an account. Was told to open a whole new account. I agreed. 

Few moments later, the branch staff starts asking me to sign tax forms that said foreign tax something and I had no idea what the XXXX was that. I was told without signing that paper, the checking account can not be opened. I asked the staff to give me a copy of that paperwork so I could show it to my accountant first. Then the staff member didnt know which paperwork to give as there were two. She says, take both and that I ask my accountant which paper applies to me and sign that one. And of course se she had no clue what that paperwork was in the first place. Seriously! How pathetic! 

I called chase call centre to withdraw my checking account application but they said it can not be withdrawn until 30 days when it will automatically get withdrawn. What kind of harassment is this? My application and I can not withdraw it? Are you guys XXXX around with me? 

I went back to the branch but by then the staff members were too busy partying with each other to entertain me and I just kept waiting. 

I thought I went to chase to open a checking account and not to discuss my tax. You guys should close all your branches and open tax consultancy firms. 

Hey chase, I dont need an account in your stupid bank!
Consumer complaint received 2018-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

Was initially contacted on XX/XX/2018 by XXXX XXXX at Sequoia financial services, XXXX, extension XXXX. Said I owed a medical debt to XXXX XXXX, but still to this day, after requesting on XX/XX/XXXX, have not received any written notification of the specifics of this debt. In my conversation with XXXX XXXX, I stated that XXXX XXXX had still not reimbursed me for money due back for a payment I made to them over A year ago that was not due. XXXX XXXX   repeatedly told me they would reimburse this, but never did. I have been waiting and trying to contact them repeatedly, for them to refund this. I told XXXX XXXX I would be researching this as the amount that he stated was due was in dispute due to the fact that XXXX XXXX still had never refunded my money. He continues to call, but I have still not received anything in writing from this company. He continues to call, but I have still not received anything in writing from this company.