davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

I had stayed at a XXXX XXXX hotel near the XXXX XXXX. I checked in on the XXXX XXXX and had to check out three days early due to a family emergency. When I checked in I was charged {$570.00} on my Chime Debit card. Which {$200.00} was for a room deposit and remaining amount was for the actual room stay. 
When I checked out early on the XXXX XXXX, the hotel clerk only charged me for XXXXXXXX XXXX. I was told the deposit and refund of the night that I didn't use would show in my checking account within 7 days. It is now over 7 days and the hotel verified they released the funds. Chime customer services which is in a foreign country, constantly hung up on me and couldn't pronounce my name correctly, said the funds were never taken out. Chime has told several different stories every time I call. When I ask for a supervisor, they say they are the supervisor. When I asked for the Chime Corp office, they say they will transfer me and then hang up. All I want is the {$470.00} I am owed. I am seriously thinking about closing this bank account and going with an American bank. Please help, This company should not be allowed to operate their customer service location in a foreign country for customers living in the United States.
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (NY)

XX/XX/XXXX XXXX : United Collection Bureau , Inc., ( USB ) Reference XXXX. 

This is my communications and complaint regarding USB 's continued hazing, lying, unprofessional, and USB has violated the rights of the consumer, and committed fraud. 

USB obtained fraudulent information from XXXX XXXX XXXX XXXX XXXX XXXX in the month of XX/XX/XXXX, via XXXX. USB has misused my personal identity and personal data due to XXXX XXXX data breach of my personal data. 

XXXX has the records of the data breach in the history records due to overseas fraud in XXXX and XXXX. 

This matter is closed. USB is stop immediately. I have secured legal services and investigation at my own cost, I have to carried Identity Theft Protection at my own cost. 

XXXX has a debt to me for legal fees, fraud, professionalism, and data breach in the amount of {$7500.00} USB is acted unethically in research. In addition, I have been notified to make a formal legal complaint to The Department of Consumer Affairs in New York, License number XXXX. 

Respectfully yours.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, FL . XXXX To whom it may concern, Loan Number XXXX with Wells Fargo I was struggling but my mortgage was up to date went I received a call from XXXX XXXX one of Wells Fargo representative who explain to me that they are going to give me a break for six month and after the six month they would restructure the loan to made it more affordable and for the six month that I did n't pay they would put it back at the back of the account that was XX/XX/XXXX 
Between XX/XX/XXXX or XX/XX/XXXX There were someone at my door handed in me a foreclosure notice, So I went and got a third party name XXXX XXXX XXXX XXXX XXXX they also goes by the name XXXX. 
After paying them XXXX dollars I request to speak to Lawyer and I told her that I want to attend the court that when she told me that the case is in the first stage so I ask her how long it goes to go on for she told me about three to four year I ask if I have to continue paying the XXXX dollars a month and she say yes so I told her that not going to work and I 'm not going to pay no more money and they should stop representing me. 
Now went i get the court paper the date on those court paper would be expired. 
I received a call from XXXX XXXX wells Fargo representative telling that the property will be sold at action on XXXX XXXX XXXX. I did n't go to court but I was inform by XXXX XXXX it did n't go through and he gave me another date went it will be sold XXXX XXXX XXXX. I went down town to file a motion to cancel the sale. Enclose a copy of the motion. 
On XXXX XXXX XXXX I went to the court someone at the door checking the paper told me that there is a mistake on my paper work and he would let me in so I did have to leave. 
Again I received call from XXXX XXXX letting me no that the property own be sold he is given me the modification and that is what we working on from time until now. 

Your truly XXXX XXXX This is a follow up letter I wrote to the CFPB last year but I did n't got a respond so this is the second attend.
Consumer complaint received 2024-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I am writing to file a formal complaint against LVNV Funding regarding a debt in question for {$830.00} opened in XX/XX/XXXX which shows activity XX/XX/XXXX. 

XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : LVNV Funding failed to provide me with the required validation information for the debt they are attempting to collect. Despite my requests, they did not furnish the necessary details about the debt, including the amount, the original creditor, and any relevant account numbers.

2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : LVNV Funding did not inform me of my right to dispute the debt within the prescribed time frame. They failed to communicate my rights as a consumer to challenge the validity of the debt and to request verification, thereby denying me the opportunity to exercise my legal rights.

3. Use of False, Misleading, and Deceptive Means : LVNV Funding has employed false, misleading, and deceptive practices in their attempts to collect the debt. They have provided incorrect information about the debt and have used coercive tactics to pressure me into making payments without proper validation.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ) : LVNV Funding has reported inaccurate and unverified information regarding this debt to consumer reporting agencies. This action has negatively impacted my credit score and my ability to obtain credit, despite the debt not being validated or properly 5. XXXX search shows so many violations and complaints for LVNV 1,123 complaints closed in last 3 years 667 complaints closed in last 12 months
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new one or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? Previously XXXX wanted {$900.00} - it feels like I am being held hostage to some outrageous unknown extortionist.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$31.00} to *rgergree XXXX. 
On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$46.00} to *rgergree XXXX. 
I called PAYPAL ON XX/XX/XXXX. I was told someone named XXXX XXXX used my account to pay funds to himself using my account. I told them I do not know XXXX XXXX and did not authorize any payment. PAYPAL also disclosed that another email was set up that was not my email. My email is XXXX, the email used was XXXX. 
I received an email from PAYPAL dated Sat. XXXX XXXX with CASE ID XXXX. 
The email stated the transactions were denied. 
The transaction ID # XXXX and transaction ID XXXX. 
I called PAYPAL to find out when I would receive the refund since the email stated the Transactions were denied. PAYPAL stated that meant the refund was denied. PAYPAL stated that they had contacted my bank and that my bank authorized these transactions. I requested proof, PAYPAL could not provide proof, I requested PAYPAL stay on the line to speak with my bank on a XXXX way call, I got my bank on the phone, PAYPAL hung up.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I have notified Equifax several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never had a PO BOX . So the XXXX XXXX XXXX that is reporting on my credit file is not mine. This may have been open as a result of identity theft.
Consumer complaint received 2015-09-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Modern Adjustment Bureau (CA)

I have asked Modern Adjustment Bureau to validate XXXX accounts they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. I am in the real estate business and my credit is important to me and the XXXX marks against me are costing me dearly.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NY)

regarding citi account : XXXX Since XXXX, I have paid {$6.00} in interest and {$100.00} in fees on a balance that I called and scheduled a transfer for. I thought the account was paid in full, and that I had called and asked for the account to be closed. Citi did not close the account, and they did not make the transfer as requested. however, they did STOP sending monthly statements so I was unaware that they had not completed the transaction. 
I discovered that there was a remaining balance when they called my house on Saturday XXXX XXXX at XXXX XXXX and discussed my credit past due with someone in my household without confirming that they were speaking with me. When I called to pay off the balance in full, they could not calculate a final pay off number, so I have to pay off the remaining balance of interest again next month. Terrible experience.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Deceptive advertising by Huntington Bank regarding 24 hour grace for overdrawn accounts. I write very few checks on my Huntington Bank Account. Most of my transactions are EFT set-up for automatic payments. EFT for automatic transactions are allowed 24 hour grace for unlimited number of times. 24 hour grace for a check is allowed only once in a 12 month cycle, according to the local branch and the online agents. In addition, a check written does not show up until after the close of processing for a given day. When a forgotten check for {$75.00} showed up recently, creating a shortage of {$48.00}, I was charge {$37.00}, even though I immediately transferred over {$1000.00} from my savings to cover the shortage.
Consumer complaint received 2022-02-10
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. (TN)

Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX  {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX  {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you
Consumer complaint received 2016-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I was presented an opportunity to purchase my mother a house from Wells Fargo with XXXX % down earlier this year. My mother raised myself and my XXXX brothers for most of my life. This was something that was really important to me and something we all were taking very seriously. I did n't present the finding to my mom till WF and I were 100 % sure this was possible. 

The deal was if my mother lived in the house and she was dependent on me helping her the deal would be considered Owner Occupied. Submitted the application including all of my information and my mothers. The details went back and forth for about 2 weeks and the end result that is was approved by XXXX underwriters. ( Including XXXX manager ) I went to my mother with the great news. ( Obviously a HUGE deal for her ). Her son is being able to help her buy a house. Off to the races. My mom is off looking at houses and finally finds " the one ''. I put down the earnest money & submit all the paperwork to get the conditional approval. It took us about a week but everything was met and we now have a closing date. During the time that everything was being put together WF sent me an offer to complete a course to get a lower APR. ( {$80.00} dollars & 2 hours of my time ) Appraisal and Inspection and came back great all besides the seller did n't have an outlet cover on one of the outlets in the kitchen. Closing date is pushed back a week to meet a second Inspection. During this week everything regarding the multiple account scandal was coming out. This lead to WF stopping the loan TWO days before closing. Giving me the reasoning that my mother did n't met the " XXXX '' requirements for the loan and I would need to come up with XXXX % down to complete the loan. They were unable to tell me what requirements she did n't meet. 

I was unable to come up with the extra XXXX % in the matter of two days and we had to back out of the deal. The issues that came from that were intense. I lost my earnest money and my mom lost the rental she was leaving in. We were stuck - Complaining back and forth with WF did nothing. We were pushed from the branch manager to the XXXX manager. I spoke with him one time and then he began ignoring my calls. After being ignored 5-6 times I went back to the branch manager mentioning the damages. This must have triggered something because I was then lead to their " Executive Resolution Specialist ''. They have been pushing the issue out months claiming they need to do a full audit of the loan. I 've been catching up with the local branch manager multiple times and he continues to say no one has contacted him about this audit. All of this has led me to submitting this complaint with the CFPB because they still have not resolved anything and have n't contacted the WF employee that completed the loan. ( Meaning no " audit '' is going on. ) My hope is just to get my money back for this deal. I have a lot more supporting documents that I can round up ( if needed ).
Consumer complaint received 2022-02-10
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. (PA)

Please be advised that as of ( XXXX ) -as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used their Bill Pay system on XX/XX/XXXX. The payment never went out so I had to pay a late fee and pay it again a few weeks later. Then when I called today to discuss/investigate - nobody knew who I was. They looked up my account number, nothing. My name, nothing. My zip code, nothing. I have several accounts at this bank and they have chosen to not remember who I am. Finally after an agonizing 30 minutes on the phone, the rep was able to find my account ( what a miracle ) and then denied that I ever made the payment. I have learned today that BofA is not training their people as well as not paying payments that I instructed them to do.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

Dear CFPB officials, I am writing to express my deep frustration and seek urgent assistance regarding my XXXX checking account, which was closed in XX/XX/XXXX without any explanation. Despite multiple attempts to resolve this issue, I have not received the funds remaining in my account, which totals {$7700.00}. Below is a detailed account of the events and actions taken : XXXX. Account Closure : Date : XX/XX/XXXX Action : My Chase checking account was closed without any reason provided. 

XXXX. Initial Contact : Date : Shortly after the account closure in XX/XX/XXXX Action : I called Chase customer service and was informed that I would receive the remaining balance via check within XXXX days. 

XXXX. Follow-up : Date : Late XX/XX/XXXX ( after XXXX weeks had passed ) Action : Since I had not received the check, I called customer service again. This time, I was told my account was under review. 

XXXX. Ongoing Investigation : Date : From XX/XX/XXXX to the present Action : I have been consistently calling Chase customer service every XXXX weeks. Each time, I am told that my account is being reviewed by the legal team, with no further explanation or resolution provided. 

XXXX. Current Situation : Issue : The {$7700.00} balance from my closed checking account is still being held by Chase. 
Impact : This substantial amount is critical for me as I need it to pay for my rent and upcoming tuition fees. 

Despite my numerous calls and the significant time that has passed, there has been no progress in resolving this matter. I am at a loss for what steps to take next and am urgently seeking your assistance in releasing my funds. 

I am not concerned about reopening my Chase account ; I simply need my money returned to me as soon as possible. This situation has caused me considerable financial stress, and I kindly ask for your immediate attention and action to resolve this matter. 

Please help me get my money back. I look forward to your prompt response and resolution. 

Sincerely, Chase Previous Customer
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (LA)

In XX/XX/year> our insurance increased XXXX  %. Which raised it to $ XXXX yearly premium. Called my insurance company to get it fixed and got it dropped to $ XXXX  yearly premium. My mortgage company is still reflecting my yearly premium to be the $ XXXX year instead of the $ XXXX year. I have tried numerous times to contact the issue which is nearly impossible so I have contacted my insurance company and had them email the new yearly premium XXXX times since the XX/XX/year> incident and still nothing has changed.
Consumer complaint received 2016-09-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2013, in their correspondence to me, Bank of America stated my home loan mortgage account had been reinstated without any additional information, explanation, or reference whatsoever before and after this representation. When I made inquiries about the reinstatement I got the runaround an the then assigned single point of contact did n't know either and failed to seek out an answer to provide to me. I have not received any response or explanation to the XXXX 2013 loan reinstatement to date.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

I disputed this on my credit report more than once for AFFIRM installment loans, as it was paid off in XX/XX/2024. Yet, AFFIRM just incorrectly reported to XXXX ( FOR THE 2ND TIME ) that as of XX/XX/2024 the installment loan is open and {$51.00} due. I advised AFFIRM that the loan was paid off and the account should be closed, and the representative refused to correct the information.