davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC (AL)

On Tuesday XX/XX/2021 at XXXX from XXXX calling me regarding proceeding office said a complaint had been filed against me. I told her I was unaware of what she was talking about. A few minutes later my wife called me and said someone had called asking for our daughter ( XXXX XXXX XXXX said they had a complaint against her and then they ask for me ( XXXX XXXX ) to make the long story short this cause a a big family mess because my called my daughter which is in school got her very upset my wife was thinking she had to sneaked and took out a loan which was not the case. I then called the number XXXX gave them the # XXXX and spoke with a XXXX XXXX and asked him why was they calling asking for my daughter he told me that sometimes they will even reach out to neighbors and other family to reach a person this is a violation and he would not give me the address of the place he was calling from, he said he couldnt give out that information. Also he stated that this under the ( FDCPA ) can not threaten leal actions and at the end he said legal actions will be taken. This phone call was made on XX/XX/2021 at XXXX a.m. from XXXX. Please follow up with this and let me know the outcome thanks so much
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (AR)

COLLECTOR KEEPS CALLING ME ON MY CELL ( XXXX ) XXXX OR ( XXXX ) XXXX SKIP TRACING FOR MY MOTHER XXXX XXXX FOR A DEBT. CLIENT XXXX   XXXX
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

On the XXXX of XX/XX/2024, PayPal sent me an email asking me to verify my account before I could withdraw my funds. 
I obliged, sent records of my database and a photo of my driving license, thus, verified my account. However, soon after executing these actions, PayPal sent me another email indicating that my account would be permanently deactivated. I haven't done anything that was against PayPal 's Acceptable Use Policy to my knowledge, and PayPal has not given me any reason as to why my account was deactivated.
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

On XX/XX/17 I reached out to US Bank to explain I had just gotten out of the hospital this week and that we had lost our housing in the pandemic. I asked if they could refund the four {$36.00} overdraft fees In the past they had been very understanding that we have not been able to keep up with cash flow in the pandemic. 

This time they said they arent doing it anymore and that we need to figure it out. 

I think it is terrible that they are even allowed to charge fees like this in the pandemic and that they make you feel like a terrible person
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I paid a charge off I had with USAA on my credit report through their third party collection agency XXXX. The payment was made in XX/XX/2018. I was told that the information would be updated to USAA within 10 days after I paid. Also, I was told that I would have to contact USAA for any future information on the status of the charge off. When I called USAA for a status update, I was told that no one is allowed to speak with their credit reporting department. The representative told me the only action I could take was to fill out their consumer report dispute form. After filling out the form and mailing it to USAA, the next month I called back to get an update on the dispute form. I was then told again by another representative that they could not give me any information, and to again fill out the consumer report dispute form. I still have yet to hear from USAA on the status of the dispute form I sent to them.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX myself and my wife received a mortgage loan from Citibank mortgage for the amount of $ XXXX@ 3.25 % for a fix 30 year fix loan. Loan was based on our primer status with Citibank. Since we had over {$500000.00} with Citibank, we were promised 1/8 point discount on the loan. When we were on final stages of loan preparation, we were told that since we are using part of the {$500000.00} for down payment, we were not eligible for 1/8 point discount. At that point we did not have any other options and we reluctantly closed the loan. On XX/XX/XXXX, we received a check for {$4000.00} from Citibank mortgage without any explanations. As I dug into the issue, I discovered that this check was for the 1/8 point overcharge based on a XXXX XXXX dollar settlement Citibank had CFPB. The {$4000.00} check, based on the person responded to my calls with Citibank, is for the rate difference. Citibank told me that they have calculated the difference in interest for 5 years and made some deductions that is how they have arrived to {$4000.00}. I argued with the Citibank representative that this not acceptable. They need to either pay me the difference in monthly payment between 3.25 % and 3.125 %, which is equal to {$73.00} per month, for as long as I hold the loan and bring the back payments in to today 's dollar value. Alternatively, they can calculate the loan amounts that I should have had received in XXXX instead of {>= $1,000,000}. This new principal value, based on XXXX dollars, would have been {>= $1,000,000} or {$17000.00} more than what I received as principal for the loan. This XXXX should be adjusted to today 's dollar value. 
This issue was escalated and I talked to the managers. Everyone repeated the same information that I received the interest for 5 years with some subtractions. Although Citibank was always very polite, but basically their point was that this is the money you were not expecting, so go enjoy it! This response is not acceptable. I do not see any issue with my logic and reasoning. Citibank did not provided what they have advertised and they should correct their mistake and properly reimburse us. 

CitiMotgage Account Number XXXX Principal dollar value Received : {>= $1,000,000} Interest rate received : 3.25 % ( Should have been 3.125 % ) 30 year fix rate loan XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Cell ( XXXX ) XXXX
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX Without receiving a letter or phone call, my Barclays XXXX XXXX XXXX was closed. 

When I called to discuss the matter with customer service, they said they sent a letter on XX/XX/XXXX notifying me of the closure. 

The reason they gave me over the phone was that I had 6 inquiries and 2 new credit cards opened after I opened this XXXX XXXX account in XXXX. I have never been late on this cards or any other credit cards payments. I even have an overpayment credit with this XXXX XXXX. 

When I was invited by mail to open this card in XXXX of XXXX, I accepted and received the card shortly thereafter. Receiving an inquirie on ones credit is XXXX when opening accounts like this. So when I opened this XXXX XXXX I naturally received an inquiry as well, and also paid their annual fee of {$490.00}. 

Nowhere in the terms and conditions of this card does it say that, once I open this XXXX XXXX, I Los my federal right to apply for and open 2 more credit cards, which are all in excellent standing and with never a balance carryover to the following month. I am the prime candidate for a credit card of this manner. In addition, this XXXX XXXX has a credit limit of {$5000.00}, which is much smaller of a balance than any of my other cards. 

Since this leaves no true and legal cause for closure of my account in excellent standing, it leaves me no other option than to suspect that I was targeted and discriminated against for being of Armenian ethnicity. 

The XXXX who helped me was from the XXXX XXXX of XXXX, his first name is XXXX, and his Customer Service ID number that he provided is XXXX. Please help me get to the bottom of this u fair consume practice and hopefully not allow this to happen to anyone else.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I received notification of a SSN trace and a subsequent email from a XXXX XXXX from XXXX/LVNV Funding LLC regarding an alleged debt that is past the statute of limitations. Filing this complaint in addition to my emailed CEASE AND DESIST to stop all communication and collection efforts. Furthermore XXXXLVNV Funding LLC by law can not file suit against me or report this alleged debt to credit reporting agencies. I am extremely sensitive regarding my credit rating. Any additional collection activity or reporting of this outside of statue of limitations alleged debt will result in litigation to include damages as per my right under the FDCPA.
Consumer complaint received 2022-04-29
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, have violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-12
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I am owed an escrow refund check from XX/XX/2020 for {$2900.00}. I call once every 3-4 weeks and I'm told the check will be in the mail, but I am still waiting on my money. I simply want the money I am rightfully owed and that this company is willingly refusing to send out. 

( NOTE : this does NOT involve the Escrow refund for {$6000.00} dated XX/XX/2020, as that check was already received and deposited )
Consumer complaint received 2019-11-14
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. (TX)

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number ****1571. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Consumer complaint received 2021-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (DC)

On XX/XX/XXXX, I reviewed my credit and noticed Hunter Warfield was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method or verification. I received no response. On XX/XX/XXXX, I sent a certified mailed letter with a second request for a method of verification. I also requested an original contract with original signatures and if the documents were unable to provide the requested documentation, I requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, Hunter Warfield currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs.
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (CA)

I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. This was situation that I could not control. 

Account number : XXXX Credit limit : {$2500.00} Opened : XXXX XXXX, XXXX ( 13 yrs, 9 mos ) My request is based on many damages that I have suffered based on a third party error. I WOULD LIKE A FAIR SOLUTION : THIS LATE REMARK IN XX/XX/XXXX REMOVED FROM MY CREDIT REPORT ASAP. 

Please contact me if you need further information
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MO)

I am over 12 months behind on my mortgage. I have tried calling, emailing, leaving messages ... no one will return my calls or email. ( Ditech financial is the company ). Literally the 2-3 times I have actually gotten to talk to someone they have been rude and no help. One lady even laughed at me while I was on with her because I was so far behind. I bought this home new in XX/XX/XXXX, I have raised my kids here and I owe less than $ XXXX on it and I am going to loose my home because they refuse to work with me. The couple time I spoke with someone they told me that if I could not pay the WHOLE pastdue balance dont bother sending anything at all because they would still foreclose!!?? Really??? who says that!!!! You can go here and read their review and you will find that 95 % of their customers are being treated the same as I am. XXXX XXXX XXXX
Consumer complaint received 2021-05-26
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. (AZ)

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, Experian, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and Experian, XXXX  and XXXX  correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Consumer complaint received 2021-05-26
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. (AZ)

XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX TransUnion and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXXXXXX XXXX and TransUnion correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Consumer complaint received 2018-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I am filing a complaint about Wells Fargo. This had been an ongoing issue with me filing complaints about my Wells Fargo bank accounts. I had not received any resolution to this day. I have money missing from my bank account and I am unable to figure out each transactions amount. The money went missing within a three month timespan. This timespan is from XXXX to XXXX In the past Wells Fargo wanted to know the dates and amounts of all transactions of when, where or how the money went missing. If I did know the amounts of transactions that lead up to missing monies I surely and would greatly provide this information. I have read all of my banking statements online and I also had requested that Wells Fargo send my statements via postal mail. Nothing contained within that information has helped me at all. Every bit of the statements is vague and provides little to no information that would help me in locating these missing monies. Every complaint that I have made about this Wells Fargo provides the same exact response. Please provide us with dates and transactions amounts. Then their response ends up closing my complaint filed through the CFPB website. I have no way on earth to provide the information on transactions amounts. This was a gross error by Wells Fargo. Wells Fargo is the company that holds all of the records as in dates, amounts and where this money goes. Them asking me to provide dates and amounts of transactions would be beyond redundant. Asking me to provide them information of which I have no control over. I am at a loss financially and by them they keep brushing me off and trying to allow me to either give up or pass the time and go past the statute of limitations. Also I started out as a XXXX banking customer. Then sometime after Wells Fargo had taken them over and imposed their rules without my personal consent.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have reach out to my credit card company and asked do they have a forgiveness program to remove the late payment off of my acouunt. Since the late payment they have increased my credit limit twice. They informed me that they could not do so. They stated that I had to contact the credit bureau. I also request to get copies of the statement for the four reporting late payment and what they sent only shows three per the statements. The dates that I have are XX/XX/XXXX past due fee of {$25.00}, XX/XX/XXXX past due fee of {$35.00}, XX/XX/XXXX past due fee of {$35.00}. I also paid that payment on the XXXX which is the due day but was unaware until recently that if its not paid but XXXX it marked as late. Which its still the XXXX and that's the due date. I have sent a letter to ask for forgiveness as well because if I was a customer that was not responsible they would of not increase my credit limit. I received a letter stated that they are unable to change their reporting. That they understand how important my credit is but they are still not willing to remove late payments.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

For some time now I have a financial account with the PayPal company. Recently I was informed by the company that my account is permanently limited which means that I can't use the account anymore. The reason listed for this decision was " activity in your account thats inconsistent with our User Agreement ''. 
I feel that this decision was made by mistake, all my account information is correct and I never missed a payment on PayPal loan.