davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (AP)

Hello, I am a XXXX citizen who has a permanent resistant green card. I have a social security number and live in the XXXX  with my husband. I do have a checking account and savings account with XXXX and XXXX XXXX however I have tried to apply for a credit card with both banks but the applications get denied. The reason always says : unable to confirm applicants identity. Both I and the banks are confused and unsure why this is happening as I have a social security.
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I received a letter from them stating I was n't responsible for paying the debt anymore due to the statue of limitations. I have requested information validating that I owe the amount on this account on two occasions and they have failed to do so. They notified the credit reporting agencies that it was validated, but proof has still not been submitted to me.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (OH)

I was forclosed on my home and I did not get the support from HARP and I had several XXXX party agencies helping me. I had the home up for short sale for a year with a buyer at the onset of the foreclosure notice and the bank ignored it and gave me the run around. The home was foreclosed on and HARP did not compensate me with relocation funds and ignored all faxing and documentation that I complied to. This situation was an unlawful and harmful situation not only to my self ( now XXXX and mental strain caused by the situation at the time. my credit is distroyed )
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

To whom it may concern ; To make a long story short...

Just looking for a {$400.00} promotion credit that we have definitely qualified for.

To prove this - after hours of searching ; we found the original offer and fine print.

Wells Fargo stated we received a promotion years ago.

That is true.

However the fine print ( Paragraph 3 ) clearly states as long as we havent received in past 12 months.

Also we were told we could open online.

Plus with COVID many branches are closing much earlier than hours indicated.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Federal Pacific Credit Company, LLC (FL)

I received a debt collection letter from a law firm. The original creditor name and client name is unfamiliar to me. My credit reports do not indicate any fraudulent activity nor any accounts on default. Attempts to identify and contact both original creditor and client were unsuccessful. The creditor has a telephone number that does not exist and the client 's address and telephone number are the same as the law firm 's. When I contacted the law firm, before I could provide them with any information contained in the letter, they already knew who the client was listed on the letter.
Consumer complaint received 2017-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

In XX/XX/XXXX of 2017 Portfolio Recovery added a collection to my credit report for a bill for XXXX XXXX. I sent them a written request to validate this debt. They removed this account from my credit report, and then later added it back without proof of validation and notification they were adding it back. Someone from this company told me if I do n't pay they will take me to court again.
Consumer complaint received 2017-10-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

This is my 3rd complaint on this company their are continuously going on up on my mortgage without reason. Last statement I received stated that I had a overage of {$38.00} with to me means {$38.00} too much. I also called them and tried to find out about my payments going up over the overage but, I keep getting the run around. I was not given the chance to pay the {$38.00} so that it wont be added into my mortgage. By law I should have been given that option. I have called 3 times in XXXX alone. No one has returned the calls I left with their account specialist. They keep putting me on hold and hanging up or just going to different voicemails. For some reason they keep doing escrow analysis on my account and going up on my mortgage. I have had 2 done in less than 6 months. I feel like their just trying to find a reason to go up on my mortgage. That law states that escrow analysis are done annually. Which is once a year.
Consumer complaint received 2024-01-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CUSTOMERS BANCORP, INC (RI)

In XX/XX/scrub>XXXX XXXX I took out a personal loan to consolidate credit card debt in the amount of $ XXXX. Monthly payments were {$1200.00}. In XXXX I wanted to make a better financial move so I did a home equity loan and paid off the {$45.00} personal loan with Customers Bank. 
I used the pay off in full option on the site to determine the balance owed and a check for a bit more than what was listed was sent, total sent at that time was $ XXXX which should have paid the account in full. I believed the account to be closed since that was the instructions per the letter that accompanied the check. I found out the account went to collections when I received a letter from XXXX XXXX. I received no phone call, no letters from Customers Bank. This action plummeted my credit rating, causing my credit card company to wipe out any available credit I had, causing my usage to appear at 99 %, further damaging my credit rating. I made multiple attempts to figure out why a remaining balance was due and determine the balance due amount. On every screen of Customer Banks site a different amount was listed. The XXXX letter also listed a different amount. I called and each person provided a different amount and it seems like I am being scammed by Customers Bank. I finally heard the amount {$600.00} a few times so I agreed I would pay the {$600.00} over a few weeks, which I have now done. Customers Bank indicated they believed a {$600.00} balance was owed because the balance was paid in full by check so they assessed a large fee. XXXX make sense but I was happy to have this resolved. I continue to receive emails indicating that as of XX/XX/XXXX a $ XXXX amount will be charged off and remain on my credit report for 7 years. This is continuing to damage my rating and my finances. Customers Bank indicates that I still owe 4 monthly payments of {$1200.00}. This doesnt make sense and feels like they simply will not let go. I have XXXX XXXX in college and XXXX more heading to college in the fall. I am deeply concerned I will not be able to obtain loans to cover XXXX  education due to my failing credit rating caused by Customers Bank. Please help. XX/XX/XXXX is coming quickly and Ive tried several times per week to get a straight answer and its impossible. Thank You
Consumer complaint received 2016-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

This is in regard to the latest ( refinance ) of home loan with CHASE Bank, which was closed on XXXX 2015. Loan # XXXX. During the course of re-finance process, Chase had closed my prior MOrtagage with XXXXBank and HELOC as well. 
It has come to knowledge that XXXX Bank has charged {$500.00}, penalty, for pre-closing the HELOC. I was told that Chase ( Mortgage ) has opted to pay in full and close this account and hence is the pre-closure penalty. 
Why was this penalty made aware to Me? I mean this penalty is not a choice form me? Chase Bank did not give me the choice and went ahead paying closing amount mentioned by XXXXBank, resulting in pre-closing penality of {$500.00} to me. 
I was not aware ( and not educated ) of this penalty, which could be averted by just not closing, instead paying the amount in full. Per our tele conversation to Chase Loan Manager ( XXXX XXXX ), to my dismay, I was not convinced the replies I have got from the bank. It is almost prejudged that the penalty has to be paid from the customer ( who had no action but to pay the penalty. ). As customer of seeking re-finance from Chase was not a happy XXXX, lacking transparency. It was unilateral actions from the bank that caused the penalty, without customer 's knowledge. 
This is complaint, that I would like to begin filing to Consumer Forum.
Consumer complaint received 2015-04-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I used XXXX " access checks '' from Bank of America ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Bank of America asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Bank of America. After receiving a rejection letter from Bank of America claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Bank of America ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Bank of America providing documents that they requested.
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet.
Consumer complaint received 2022-02-14
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. (AL)

I have disputed this account ( XXXX XXXX ) XXXX times with Equifax! Each time they sent me a letter stating it was Verified with No Proof. The last time I disputed with you ( cfpb ) I still received a notice stating Verified. This is a violation of my rights in so many ways! Equifax must abide by these Laws 15 US Code 1681i ( 7 ), 15 US Code i ( 6 ), and 15 US Code 1681 a ( 3 ) ( a ) ( b ) ( c ) No medical information should be published! And 15 USC 1681 b ( a ). ( 2j permission law!
Consumer complaint received 2016-10-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ZWICKER & ASSOCIATES (SC)

I received a letter from Zwicker and Associates LLC., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since they could not verify the loan as being mine and promised to notify XXXX that they could not match my information. I do n't understand why XXXX has reassigned the loan to Zwicker and Associates despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Zwicker and Associates to desist collection on this account from me. I am afraid I have become a victim of debt tagging.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been contacting Transunion since XX/XX/2021. I have been asking them to verify three accounts reflecting on my report that is reflecting inaccurately. I have disputed XXXX which reflects a late payment for XXXX on my report inwhich the payment was paid as agreed and RPM balance is showing higher than the high balance and XXXX XXXX  which the date of delinquency is reflect inconsistent with my other reports.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

My wallet was stolen with my debit cards issued by XXXX XXXX ON XX/XX/2017. 
I called XXXX XXXX and after much hassle getting through to a live person, I reported my credit cards stolen. This was approximately at XXXX XXXX. 
The representative told me new cards would be issued but after a week nothing happened, so I contacted them again and the representative DID NOT CANCEL THE CARDS AND REISSUE NEW ONES. 
The thieves used the debit card by using it by purchasing goods using the credit instead of debit ( I 'm guessing ) and they racked up over {$1000.00} of sales, this was all done AFTER I HAD REPORTED THE CARDS STOLEN. 
It is almost impossible to get through to anybody at this banking institution and when I do they either put you in a loop or hang up. 
My last transaction was at Approx XXXX on the day my truck was stolen, XXXX # XXXX reported at approx XXXX XX/XX/2017. 
My last transaction was a cash withdrawal at an ATM AT Loves Truck Stop in XXXX, Ca, at approx XXXX XXXX I contacted this bank after one week of nothing showing up with replacement cards only to find out THEIR EMPLOYEE DID NOT DO HIS JOB, thus allowing the charges to accumulate AFTER THE CARDS WERE REPORTED STOLEN. I am out over {$1000.00} that to this day 3 MONTHS LATER has NOT BEEN REPLACED. 
Terrible customer service with what seems as a do not care attitude, which really rubs me the wrong way being a XXXX XXXX XXXX and this is supposed to be a caring institution for active service personnel and XXXX HELP!! 
XXXX XXXX XXXX Current Acct # XXXX, I do not remember or know the Acct # that was reported stolen but if they have ANY CLUE as how to operate a banking institution CORRECTLY, they will know the acct # that I am referring to. At the time the cards ( and my wallet ) were stolen there were XXXX acccts, XXXX for my SS BENIFITS ( money I earned and paid in for over 40 years along with my employers, I DO NOT CONSIDER THIS Government assistance, as it is MY MONEY, paid by ME, to assist me when I retired, and XXXX XXXX for my XXXX dealing with XXXX XXXX from XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

I pay {$97.00} since XX/XX/2020, for the last XXXX months. This debt should be paid off this month. Midland is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my midland account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in XXXX months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!
Consumer complaint received 2016-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Carrington Mortgage Services is currently my mortgage provider. I make my payments every month, electronically, directly from my checking account. I 'm always careful to pay my mortgage on time, usually two full weeks early. I refinanced my mortgage with Carrington ( who was already my mortgage provider ) at the end of 2015. My first payment was due XXXX XXXX, which I paid on XXXX XXXX. I made another payment on XXXX XXXX for the due date of XXXX XXXX. This payment was never posted by Carrington Mortgage. I realized their error on XXXX XXXX when I happened to look at my account online, and have had contact with them on several separate occasions to try to rectify this situation. I have submitted proof of payment to them in the form of my bank statement, and my bank has submitted evidence twice in the form of the e-check. Carrington is still refusing to credit my account claiming " If we find it, you 're account will be adjusted. '' I find this completely unacceptable. I have submitted proof of payment. Where their company misplaced it, is really not my concern. As far as I 'm concerned this company has stolen {$2400.00} from me. I feel that I 've taken sufficient action to prove this payment has been made and Carrington has done little to nothing to credit me for this payment. I feel cheated and violated by this company. AND I 'm uncomfortable continuing to make payments to a company that may or may not credit me for the payment!
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to XXXX days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX XXXX and XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters from XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars ), they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with XXXX had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. XXXX who is now working with XXXX XXXX both are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX, Transunion and XXXX ). I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX XXXX not included.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.