davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Data and Contact Management Solutions, LLC (PA)

My mother passed away XX/XX/2021. I contacted all of her creditors. XXXX XXXX was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to DCM Services , LLC. If DCM wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I negotiated my house mortgage refinance with Loan Depot at 3.0 % ( 15 years ) with no points. 
I submitted all the paperwork which took around 2 months. 
At the time of closing I was surprised to see Loan Depot was charging me points to get 3.0 %. 
Before completing signing / closing documents I called Loan Depot personnel and explain about same, but this person never agree to what I was trying to explained, eventually I signed on cancellation form. 
When I complained to Loan Depot via their survey, their associate called me and apologized and said something went and they could not give discount / rate they promised.
Consumer complaint received 2017-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I am a government employee and started paying a loan amount of {$46000.00} at XXXX XXXX monthly payments rate in XXXX. At this time my family of four had an AGI of less than {$60000.00}. 

At that time I learned about this government employee loan forgiveness program that will happen after 10 years of payment, in my thinking the ( XXXX  XXXX m x XXXX y = XXXX or XXXX XXXX ) will be paid and the XXXX XXXX May be forgiven. 

During the toughest times of my family life I paid those monthly payments with some delays and couple calls to my loan servicer during tough times. 

My frustration and feeling of being treated by predatory lender comes because ; after more than five years of paying the {$260.00} a month, my loan balance is still the original {$46000.00}. 

I have learned the the hows and whys from Navient, but I still think I was left alone to fail than assisted by my loan servicer. I suppose they were the middle men to help people like me. On top of this, the hard to reach customer service people cant see the trustee aspect of my question. 

Now my wife works and I am in better shape too, restructuring the loan will take me to paying about {$370.00} a month to repay the entire loan within 10 years. 

How will the XXXX I paid so far be used to benefit me?
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2400.00} ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2023-09-15
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I was charged {$770.00} by XXXX XXXX XXXX XXXX in XXXX XXXX. When I later arrived home a few days after, I reviewed the contract with the company where I had purchased their Total Protection Package and realized I had been overcharged {$400.00} as a towing and rescue fee when it was supposed to be included in the package purchased. I have contacted XXXX XXXX XXXX XXXX to refund me the {$400.00} that had been overcharged, they keep stating the policy is invalid due to negligence, but nowhere in their policy does it state that a policy becomes invalid due to negligence or under the exceptions that towing and rescue would need to be paid for if negligence was the issue. I contact Chase Bank in regards to the situation and they denied my dispute because the company sent a signed invoice.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Other — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I submitted a debt validation letter to credit collection agency PRA. They responded with XXXX statements both showing I owe {$XXXX}. So, of this is the case why is this on my credit report? This debt should be removed from my credit report but they claim these XXXX statements are debt validation.
Consumer complaint received 2017-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This are the new complaint on the lies by XXXX XXXX on complaints ending on XXXX/XXXX/XXXX. On the letter you stated that the bank took a loss of {$1800.00} that was a lie because very simple that amount was taken out of my checking account balance. 
2- The claim XXXX was never closed by the bank and it is still open. 
3- A debit card is not an account and according to customer support debit cards were cancelled on XX/XX/XXXX and they never replaced it or I received it or activated.if it states that the account was closed they are refering to the checking or savings account related to the debit card. 
4- The withdrawls that took place on XX/XX/XXXX over the counter for {$600.00} and the over the counter {$2100.00} and the {$1.00} on XX/XX/XXXX why a {$1.00} on same date and teller counter that is definatley a lie account ending on XXXX. You stated that the bank confirmed it was done with a drivers license that was used as I.D . and that it was on all three transaction a debit card ending on XXXX was used as I.D . never had this debit card period. NO CONFIRMATION OF ANY TYPE ALL IT SHOWS IS ( GA TLR WITHDRAWLS ON INDICATION OF ANYTHING AT ALL AND THAT IS WHY IT IS AS PART OF THE FRAUD THAT HAD TAKEN PLACE. 
5- I have reviewed all statements on accts and there were no indications or confirmations of any type on all withdraws that took place onXX/XX/XXXX and XX/XX/XXXX including a debit card ending on XXXX and it is my proof of the fraud that had taken place there was never any teller counter withdraws by me period in all statements of my accounts. IN ADDITION YOU CAN SEE ALL THE TYPES OF TRANSFERED FROM MY CHECKING ACCOUNT XXXX TO THE XXXX in the past and what has taken place is that you the bank confirmed that there was fraud and actually verified it with letter dated XX/XX/XXXX. therefore this is very simple confimation that all I needed to do was just go on internet or call customer support and just transfer all amounts available on the account XXXX to my XXXX where I had my directs deposits and had it for quite a while. So all transactions that took place on XX/XX/XXXX and XX/XX/XXXX were all done by the bank personnel or whom ever did all previous fraud transactions.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (IA)

XXXX XXXX XXXX XXXX XXXX COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.
Consumer complaint received 2021-07-06
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. (NY)

Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX/XXXX/2017, at XXXX XXXX, I received a phone call from Wells Fargo 's representative XXXX XXXX. She acknowledged my complaint but once again refused to allow me to record the conversation. She insisted on not providing the timely response, by stating the next follow up phone call will be on XXXX XXXX, which is over two weeks from today, knowing that we have been deceived before with false deadlines and exploiting our patience and generosity. This process has been going on for many months and Wells Fargo keeps refusing to release the appraisal in the acceptable format.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

At US Bank I have my credit card connected to my checking account as OD protection and at times it will use my credit card to cover transactions on my checking account. IT IS ALLOWED!!! At this most unfair financial institutions they red flagged my credit card account and when spoke to the person assigned he made illegal//unlawful statement/reasoning of why the account was closed and hung up the line. 
I herein demand that US Bank makes that conversation available to CFPB1
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

On XXXX XXXX, XXXX I was served with papers by Portfolio Recovery Associates PRA for an alleged debt from XXXX. I responded to the court order and served upon PRA a request for the following information as allowed by the FDCPA.
1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
PRA failed and refused to provide me with this information after my request and I have now learned that PRA did not have all of this information required of them prior to filing the lawsuit as required by ; UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. 201s-CFPB-0023
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today on XXXX/XXXX/XXXX I called Transunion, since there was a 35 point drop in my credit score. My Transunion report was missing tons of information. When I asked why my credit scorXXXX at Transunion had dropped 35 points, he said he had no idea as well. I think proceed to ask the representative what my credit score was. He said because XXXX XXXX was a third party site ... my credit score was a different with Transunion. I then procced to ask him if he could tell me what it was, he said that he could not give me the number over the phone, then put my on hold. Then came back from hold and told me if I wanted to pay {$9.00} he could give my credit score and that he would n't give me the number because my credit score apparently only belongs to Transunion and unless I pay the {$9.00}, I would not be able to get my score.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Application processing delay — 
Company: SYNCHRONY FINANCIAL (GA)

My issue is that I as far as I know, I have an account with Walmart/Sychrony. I was approved for the card. I called to get some information on the card and suddenly they could n't find my account and now that results as a hard inquiry. My issue is that either the account is open or they remove the inquiry off of my report. I tried calling their underwriting department several times including speaking with a manager and nothing has been done. Plus they have outsourced their calls, so I can not speak with anyone truly.
Consumer complaint received 2021-10-05
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: CITIBANK, N.A. (MN)

I contacted Macys on XX/XX/2021 to let them know I would be making an online payment and requesting that the late fee be waived. My payment was due XX/XX/2021 and I was horrified when I received the XXXX statement in the mail that morning and discovered the prior months statement got set under some paperwork and the payment was not made by the due date. The phone representative was able to waive the late fee. He insisted however that he could take the payment over the phone rather than me making it online. I gave him my bank routing information. I told him XXXX XXXX XXXX  XXXX. I am not sure if he heard this as XXXX, as he said could not find the bank. I again said I would pay online and he said no he would just look it up by the banks name ( XXXX XXXX ). He found the bank and I gave him me account number. I thought the matter was handled. On XX/XX/2021 I received an email from Macys Cardmember Services that said my Macys account was past due. I immediately logged on to my Macys account and saw that the phone payment had been reversed, and I was also charged another late fee and finance charges. I called Macys credit department from work right away and talked to them and explained what had happened. The phone representative apologized profusely and removed the late fees and finance charges because it clearly was not my fault. I then went online ( she offered to accept a phone payment but I would not do that again since that is what caused this problem and has now drastically impacted my credit score ) and made the full payment. A few days later I got an email from my credit union that there was a change to my credit rating. I logged on to discover that Macys was reporting my account 30 days delinquent to the credit bureaus. This problem was created by their telephone representative, not me. I will NEVER again make a telephone payment, and I will NEVER again use Macys credit card. My credit rating has gone from Exceptional to Very Good ( XXXX to XXXX as this is the only derogatory rating I have received in almost 40 years ). I contacted Macys to correct this issue and they sent me a letter that said their reporting was correct. I adamantly disagree with their assessment. I would request the CFPBs assistance to get this removed from my credit rating. I have also filed disputes with all three credit reporting agencies. What Macys did is not right and I have now expended a tremendous amount of time trying to fix this. It is disheartening that Macys can wreak this much havoc and seemingly have no consequences for them and drastic consequences for me.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion 's dispute resolution does not permit the ability to request review for missing information. My record was missing a credit card account I have. A previous card was closed due to a data breach and was replaced. TransUnion only has the closed card on file. In addition, my addresses are incorrect on all accounts. There was no way to indicate a missing account or the incorrect address. I could only select from addresses on file to indicate which is the current address : not useful when they have n't updated my addresses on any accounts after 4 years. My record even included a note that my addresses seemed suspicious. Pretty amusing they had time to note such but did n't have time to update the information so such a note would n't be necessary. 

I could not ask for the replacement card to be added because the dispute resolution process did not permit this. 

Even a different new credit card account was added with the old address -- which could not have been reported by this new bank that did n't know it. 

As a work around, I submitted a dispute on the closed card, noting it had been replaced and that the addresses were in correct, asking them to find the new card and add it to their records. 

In response, they deleted the closed credit card from my record -- counterproductive. The resolution did not match the purpose of my dispute. 

Their website says to submit a new dispute as a method of indicating the matter was not resolved correctly. However, even though they say to " click on the New Investigation link above '' on their Online Dispute Service Investigation portal, they provide no such link and the page contains no menus and only permits viewing of the original report. While it 's possible I will be able to submit a new dispute once the results of this dispute are deleted after a month, it seems TransUnion is intentionally limiting the ability to submit dispute inquiries. 

Though, to some extent, I 'm only assuming TransUnion made my record worse through the dispute process : because I can only access the current resolution report through the resolution Online Dispute Service Investigation portal ( which says they deleted the closed account ), I can no longer actually access my information since it is only viewable when submitting a dispute.
Consumer complaint received 2017-11-19
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. (CA)

I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my TransUnion report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.
Consumer complaint received 2017-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

This company has repeatedly called me from multiple numbers after I 've blocked them every time and have told them not to contact me anymore. They say they are attempting to collect a debt. I told them I did not have an account with them and I have n't signed any contracts with them. I told them that they have been harassing me and I had asked him to stop calling. When I asked to speak to a manager they would not let me speak to The manager so I can be their call list. This has been going on for over a year and I have multiple numbers on my block list from Family trying to contact me.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..
Consumer complaint received 2018-06-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.
Consumer complaint received 2018-06-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.
Consumer complaint received 2017-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NC)

I have been making my mortgage payments on time for the last two years and I see balance amount that is not adjusted to my payments. I 'm being incorrectly charged by PNC and they refuse to send monthly billing statements for the last 2 years. They revoked my online account access only after filing a complaint CFPB they did gave me access to my own account. They are uncooperative in explaining to me how my payments are being applied to the mortgage. Please open an investigation into PNC bank 's mortgage business practices.