davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (VA)

Company - XXXX XX/XX/2017 received a bill for {$1.00} and XXXX   Contacted Chase Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from XXXX.

I have called a XXXX  XXXX  and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account.

I would like to have all the money refunded to me and stop payment to XXXX.

Please - HELP!
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONLINE Information Services, Inc. (NJ)

I went to the hospital and provided them with two forms of insurance. The hospital has both insurances on file yet their collections team posted two negative accounts on my credit reports. I called an asked why they said the hospital did not give them the second insurance information. I gave them the insurance information. They turned around and posted the same negative on my cresit report at another bureau. The numbers they have listed now go straight to voicemail and when I did speak to someone she advised they would removed the information after i gave the insurance information but that has not been done. I had this conversation in early XX/XX/2018. This is happening with XXXX XXXX XXXX for {$100.00} and {$62.00}. My secondary insurance was through the state medicaid department and the hospital is aware they can not accept a payment from the insurance company then bill a patient additional charges. I spoke to the representative at XXXX at Online collections  and informed her the accounts were updated. She told me they would not remove the negative information from my account until I paid it. I refuse to pay them for a bill I do not owe.
Consumer complaint received 2021-07-12
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: Experian Information Solutions Inc. (FL)

its about credit score, i had XXXX point on XX/XX/2021 but now suddenly it became XXXX on XX/XX/2021. 
i have no clue for this and i have no any action for my financial application.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX, I called Mr Cooper regarding 2 past due payments in which I requested a repayment plan. My repayment plan was developed and approved then told as long as I made the payment by the end of the month I would be ok. My repayment payments are XXXX from XXXX - XX/XX/XXXX and XXXX payment was successful. On XX/XX/XXXX, I made my payment of {$670.00} and cleared my bank on XX/XX/XXXX. Due XXXX XXXX deceptive practices, I monitor the mortgage account 3-4 times a month. OnXXXX, I reviewed the mortgage account only to find they made reversal starting XX/XX/XXXX. In addition, approved in XX/XX/XXXX was canceled without any notification from them. My XX/XX/XXXX payment was reverse and Mr. Cooper where they told me several reasons that did not make sense. Then it reflected there is a payment due XX/XX/XXXX in the amount of {$710.00}, a reversal for {$670.00} and {$530.00} ( did not process a payment for XXXX ) Mr. Cooper states they do not know why payments were reverse because there werent any notes. Ive gotten 3 different answers none of which makes no sense. The tactics that being used to affect my mortgage payments, to foreclose and stress me into selling my home to cease and desist. I would like to stop receiving calls from XXXX XXXX to sell my home. I have been in my home over 45 years and would like stay in it.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX To : Wells Fargo From XXXX XXXX Re : Check Fraud On XX/XX/XXXX I have spoken with Wells Fargo 4 representatives XXXX ; XXXX ; XXXX XXXX and XXXX XXXX regarding claim or Case # XXXX. I was given phone number XXXX regarding this case. I have spoken with XXXX XXXX on the same day by telling him that there are 3 issues especially two cashed checks without my consent in XX/XX/XXXX and XX/XX/XXXX. He has asked me account number over the phone. I told him that my phone could be monitored by someone else that I can not disclose my account number over the phone. Most important due to the terrible experience with Theft XXXX XXXX, I can not release my account number over the phone. XXXX XXXX has asked me to go to banking branch.l On XX/XX/XXXX I went to banking branch located at XXXX XXXX XXXX XXXX in Washington DC XXXX. I have brought over check Image and showed to branch manager. I was misled and terribly treated by this branch staff especially their manager. OnXX/XX/XXXX I was throw out by this branch and all my accounts were closed. Today when I showed two checks images to this banking branch manager, he used all kinds of excuse to push responsibilities. 

I told him according to the checks image, my name was on the check as payee. I NEVER authorized anyone to cash my checks. I was only person who had business relationship with original issuer. My mailing address was on the check. Therefore there was no any second person who has same name with me according to these 3 identification facts. 

On the back of the checks, it clearly showed someone else 's endorsement which I totally can not recognize. I NEVER authorized anyone to cash the attached two checks on my behalf. Each check was {$370.00}, total {$750.00} issued from Wells Fargo. 

As a check fraud victim by suffering such type of insult, I was very upset at XXXX XXXX XXXX Branch. However I never received any assistance when I asked this banking manager to file fraud claim as well as obtain fax number so I can fax over the copy of canceled checks. 

Then this manager begin to ask me to leave. Same as XX/XX/XXXX. He also stated that He want to close all my accounts if I continue to file complaint. I told him that I brought my complaint to the bank since XX/XX/XXXX to Wells Fargo. Why do you continue to defraud consumer? Why didn't you investigate and put theft to jail? Why discrimination continue existed? 

Since I already went to branch 5 times and filed at least 2 complaints sinceXX/XX/XXXX. Most recently on XX/XX/XXXX I filed claim with case # XXXX. I tried my best to contact this bank to collect stolen funds. I must claim {$750.00} plus 20 % interest plus {$100.00} late fee each month plus my gas fees. ( CHECKS  IMAGES AND POLICE REPORT HAVE BEEN ATTACHED ).
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XX/XX/XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me?
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (IL)

I was a client of XXXX XXXX for months and had the COVID 19 forebearnce. I was told over and over that my loan was allowed to move all payments to the end of the COVID 19 forebearance. 

My loan was sold to BSI Financial Services in XX/XX/2021. All of a sudden, when my forebearance ends, I am told that I can not have the payments added to the end of the loan. I am being told that I can only apply for a loan modification. Repayment plan. Also COVID 19 is a government program. My loan terms and agreement should not change at all just because the loan was sold.

This representative is telling me that BSI does not offer this option. That only XXXX XXXX offered this.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (VA)

I was contacted by NewRez in late XXXX XX/XX/2021 to refi an existing loan serviced by them. In 28 years of residential and investment real estate transaction experience, I have never dealt with such an unprofessional company. For over 2 months now, they have strung me along, wasted my time, not followed up, assigned me to a couple of underwriters who were unfamiliar with the application, and delayed processing. I have responded to multi requests for the same uploaded document. NewRez has shown no professional integrity in customer relations. I received only promises of follow-ups from underwriting but no meaningful follow-up ever occurred. Trying to speak with underwriting is impossible. To this date, the application is still not fully processed. The whole awful experience makes no sense. They are an embarrassment to the real estate industry. If I could have reviewed them with negative stars I would. NewRez should be investigated for inappropriate customer business practices.
Consumer complaint received 2023-02-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc. (WA)

I co-signed for two loans with XXXX XXXX for my son back in XXXX and XXXX which he has been paying but lately the restaurant business hasnt been doing well and he got a little behind. XXXX sent me a statement showing that he was past due. 
About that same time I received two letters from a debt collector called SIMM Associates , Inc. XXXX XXXX XXXX XXXX, DE XXXX saying they were trying to collect a debt. Only thing is they got the account numbers wrong and the amount was a little different then what XXXX showed. 
My son made a payment to XXXX and got caught up with his payments. I then called XXXX to make sure everything was caught up and they said yes. I then asked them about SIMM debt collections and they said that they had no clue what I was talking about and that they did not send it to collections. They said it was probably a scam or phishing for more information and advised me not to contact them. 
As much as I wanted to contact SIMM I did not and instead would like to file a complaint against SIMM if XXXX is right about not sending it to a collection company.
Consumer complaint received 2021-07-06
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: BARCLAYS BANK DELAWARE (NY)

I rented a car from XXXX in early XX/XX/2021 using a voucher for a free rental car. Since then XXXX has continually made recurring charges on my card in the amount of the rental, as well as for a repair which never took place as there was no damage. This has occurred at least three times since then and once again XXXX has charged {$220.00} onto my Barclaycard which I have disputed. I want to know how they keep charging my card for this and I want them to cease and desist.
Consumer complaint received 2018-03-19
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: AMERICAN EXPRESS COMPANY (MO)

I disputed the transaction with XXXX and clearly explained that I purchased shoes but received an empty box. It was done more than three month ago. I was issued provisional credit which later was charged back to my account. I opened a new claim and still wasn't provided my funds back. I was supposed to get update on XX/XX/XXXX after I didn't get it I called Bank and was promised that somebody would contact me. Still nobody contacted me.
Consumer complaint received 2017-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

I had XXXX back in XX/XX/XXXX. I was on on parents medical insurance and didnt think much about the bill. Turns out, my parents medical insurance for me did n't work because it was n't properly filled out at the Hospital. I did n't even know I had any medical bills to pay until I checked XXXX XXXX in XX/XX/XXXX. I never received a letter, phone call, or any type of notification to pay this bill from the Hospital or Debt collector. They put a derogatory mark on my credit and knocked it down over 100 points. If I knew I even had a bill, I would 've paid it to avoid the hit on my credit.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

This is the request to reopen the investigation : XXXX XXXX  XXXX about the fraud made in my savings account, where from XX/XX/2019 to XX/XX/2019 a total of {$17000.00} USD was disbursed  through XX/XX/XXXX XXXX XXXX machines in several transactions during this period of time. 
The claim today is for the remaining {$8500.00} USD that is still outstanding as a result of the transactions made to my account from XXXX to XX/XX/2019. CITIBANK returned the transactions made from XXXX through XXXX covering the amount of {$8500.00} USD but does not want to recognize the outstanding amount of the other half ( {$8500.00} ) from XXXX through XX/XX/2019. 
Transaction Date / Amount XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} Note the date of transactions, those violated your rules about the maximum transactions per month allowed for a savings account, without any security action from you. 
CITIBANK concluded that these transactions were authorized by me, which were not, and XXXX XXXX XXXX shared documentation to the bank that looks like I authorized these transactions. 
These ID documentation are fake and obviously are not related with my actual identity and must not been used to. 
I have verified, to CITIBANK, several times through correspondence, telephone and in person in your offices in XXXX, FL, that these documents ( by the impostor ) are false and cant be even considered under any circumstances, proof of my real identity. CITIBANK asked me to contact the company XXXX XXXX XXXX to collect the remaining balance which is still owe to me ( {$8500.00} ). Even knowing that I dont have any relationship with XXXX XXXX XXXX, I contacted them ( XXXX XXXX XXXX ) to make the claim and they send me back to CITIBANK, indicating that CITIBANK is still responsible for this refund. 
XXXX XXXX XXXX are open to be contacted by the bank to continue with the investigation. 
As a CITIBANK client for more than 10 years, I hope you will be more responsive for this claim. We have proof once and again that the ID document originally sent by XXXX XXXX XXXX does not match with my real/actual documentation registered in your records.
Consumer complaint received 2022-02-17
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. (PA)

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 fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-19
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)

XXXX XXXX XXXX XXXX agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.
Consumer complaint received 2018-03-19
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. (TX)

XXXX XXXX XXXX XXXX agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (PA)

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 Experian Credit Bureauthe 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 Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-17
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)

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 Equifax 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 Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (LA)

I purchased membership tickets online. When I arrived XXXX in XXXX TX. I was informed by XXXX employeesthat they would not honor the membership since I purchased itto attend the XXXX XXXX TX location. I explained I was notinformed of this and that I thought I could use my membershipany where. The employee stated I only could utilize themembership after I go the designated location of themembership. Therefore, I just paid to get in the park. Thefollowing day attempted to utilize the membership at XXXX XXXX XXXX in XXXX TX. I discovered even if the membershiphad the correct location that is not a part of the membershipagreement. I explained that is the main reason for purchasingthe membership because the advertisement stated it was validat all XXXX including the XXXX XXXX. I emailed andcontacted XXXX membership several times and no one wasable to correct this issue. Therefore, I received a collectionnotice stating I allegedly owe a total of {$1000.00}.