davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (GA)

I had used PayPal for many years for online purchases and payments for my kids ' activities, etc. Paypal charges always went to a credit card that I had set as my default payment. Last year sometime, unbeknowst to me, Paypal opened a " PayPal Credit '' account and put a {$60.00} charge made by my wife onto that credit account rather than to the card I had specified. They did not bill me for the amount until several months later, at which point late fees and interest had driven the balance over {$100.00}. I called and was assured the late fees would be removed and that if I just paid {$64.00} for the balance and interest, that would square things. I closed the account and sent them the money. Now, several months later, I received another bill for {$130.00} for late charges and interest accumulated on top of late charges. I called them and they refused to waive the fees. I never authorized the account. I paid for what my wife bought plus usurious interst ( {$4.00} on a {$60.00} balance for a few months ). They cashed the check. I do n't owe them any money, but they continue to demand that I pay, having referred my account to collections. Their practices are deceptive and/or fraufulent.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (TX)

Residential Credit Solution ( RCS ), a mortgage servicer, placed forced-placed insurance on my property. I do not have a mortgage or loan with this company ; they have no standing to place any type of insurance on my property. The rule on Force-Placed Hazard Insurance became a final rule effective XXXX XXXX, XXXX ( H.R.4173, the Wall Street reform bill entitled, " Dodd-Frank Wall Street Reform and Consumer Protection Act '' ). Section 1024.37 entitled " Forced-Placed Insurance '' - prohibit a servicer from purchasing force-placed insurance if the escrow account contains insufficient funds to pay for the borrower 's hazard insurance. RCS sent me a letter dated XXXX XXXX, XXXX with a copy of the evidence of insurance stating coverage begins XX/XX/XXXX. None of the forced-placed requirements were followed. Again, I state, RCS has no standing, I have no mortgage or loan with this company. My original lender was XXXX XXXX XXXX XXXX and I have a Release of Lien filed in the XXXX County Clerk 's office dated XXXX XXXX, XXXX. XXXX has caused fraud of title, fraud of credit, and fraud of trespass of title.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AL)

In XXXX of 2023, I was looking for a solution for my business to be able to service and support my clients. I have one on XXXX, it had many followers, and appeared to be a great solution. I contacted them via DM. the individual I spoke to was knowledgeable about the services I needed handled. I agreed to the price they asked for, it was a quantity-based pricing. The quantity of jobs completed would be the amount they charged me. They charged almost {$1.00} XXXX to my debit card. and I did not get anything for the money I paid for. I tried to resolve this with the bank but then I was forced to look into this matter more closely. I have found it was all a scam, and it was used to buy 'tokens ' for a XXXX XXXX. Meanwhile, they required my personal information, id, and my money. Without me getting any of what I paid for, the XXXX account now is now longer available. XXXX XXXX. I finally found this out by following the charges. XXXX is the name of the XXXX company, and they used the fake name to conceal their purchases. 

I originally reached out to Chase in regards to this issue, with many calls and in person visits. And finally was contacted via someone in their Executive department, they stated, that I authorized the transactions because I purposefully made other transactions with this entity. Meanwhile their terms clearly state I am not responsible for fraud. I do not want to damage my banking relationship with chase, but this is a flagrant breach of their terms of service. This should have be figured out by their fraud department, with their resources, but I had to find out how this occurred on my own. 
I used a business XXXX XXXX card with the understanding it was 0 % liability for fraud or items/services not received, I did not received for money paid but is playing with words not trying to stand by their own policies.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NJ)

Suntrust Mortgage Took out XXXX payments from my escrow account for my property taxes but my XXXX Property Office only received XXXX Payments. I opened the case with Suntrust to research the issue on XXXX XXXX 2017 and as of today the XXXX payment is still missing out of my Escrow. In the meantime i was contacted via mail that my escrow account is short and the shortage must be paid. I was told that i need to pay extra {$350.00} a month for next 12 months to make up the shortage. 
Therefore not only my escrow account is short of XXXX payment which didnt make it to my Tax collector but I also am forced to pay extra which seems like alot of money to come up on top of the existing mortgage.
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NJ)

Please restore standard consumer bankruptcy protection to student loans and make America great again! 

Capitalized interests on student loans is unjust and fraudulent. Congress has allowed corruption to prey on student loans that was formed to help students. Instead it has crippled the economy and forced XXXX former students to lead a lifetime of debt with XXXX in student loan debt. Interest collecting interests. How can it be that my total original loan amount is {$150000.00}. And I paid {$120000.00}. And 10 years later still have a balance of {$180000.00}??
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Received a debt collection from Jefferson capital saying I owed money to XXXX on the amount of {$1200.00}. Culprit used my name and number but after calling XXXX I realized they used a different email. XXXX. XXXX collection says that the account was closed in XX/XX/2019. I received no mail from XXXX before it went to Jefferson Capital.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (LA)

On XX/XX/XXXX I received a text message alert from Chime asking if I have authorized XXXX to take money out of my account and I replied no. When I made it home I called chime and told them that it was not me making those charges and they said they would cancel that card and mail me another one. I never received another text alert about XXXX charges. I even received a email from Chime confirming the cancelation of my card. But Chime never did cancel my card and continued to let XXXX take money from my account. When I realized it, I called back and the Chime employee stole {$250.00} out of my XXXX XXXX account. Chime did reimburse me that money back a couple days later. I then received an email on XX/XX/XXXX stating that they did not see that ah error has occurred and they will not give me my {$1300.00} back. I demanded that they reinvestigate and to send me document on why they believe no error occurred. Chime then sent me the document they used to investigate my claim and they highlighted that I stated I had my card on my person at the time and that I store my pin in my brain as the reasons for denying my claim. I'm now on my third rebuttle for this claim and then on Wed. XX/XX/XXXX they sent me a email saying that after careful review of my account they regret to inform me that my account will be closed on XX/XX/XXXX. They are refusing to give me my money back and once my account is closed it will be even harder to get my money back. I am a single mother of XXXX kid, my youngest has a XXXX  XXXX, I can't pay my rent beuse of this and we bwill be homeless. I NEED HELP!
Consumer complaint received 2015-07-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WESTERN CONTROL SERVICES, INC. (CO)

I paid in full by XX/XX/XXXX of last year a bill that had gone to collections with Western Ctrl original creditor was XXXX XXXX XXXX XXXX. This suddenly appeared or updated on my credit XX/XX/XXXX as an open collections. I am VERY angry! I want this off NOW! I called Western Control and they have reported this debt as paid in full. I do n't know who took it upon themselves XXXX months AFTER debt paid in full to put this on my credit report. Its false reporting and needs to be taken off immediately!
Consumer complaint received 2020-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I opened a savings account on line with Citi Bank. On XXXX XXXX XXXX   transfers XXXX from them to Citi Bank. This transfer occurred on XX/XX/XXXX. In the meantime Citi Bank closed the account because I use a XXXX mail store for my address as I have no home mail delivery. They say that I must have a home address. They closed the account. Now on XX/XX/XXXX and after many many calls to both banks neither can tell me where my funds are or accept responsibility for this. I am at my wits end.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

I think there are charges that I have not made on my card because the amount on the card doesn't match the amount of the deposits. I tried checking my online account, but I keep getting an error message and the system will not allow me to change my password. When I enter my username it says my password has expired. When I attempt to change my password, it says " my information doesn't match the demographics ''. I can not get transferred to customer service.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

Trying to get a payoff balance to sell my house. It has been over a month. They have wrongfully put my account in collections. My account has never been past due. I am scheduled to close on or before XX/XX/2017. What should have taken one phone call to get a simple payoff balance, is now approaching two months, and is still unresolved. Please help!!! Thank you for your time.
Consumer complaint received 2024-05-11
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: OPTUM BANK, INC. (CA)

Re-submission of same claim as documented under XXXX, which, alas, has still produced no actual proof in support of the company 's claims that any terms and conditions documents were ever provided with the initial cards. To date, this has gone unproven, and I will continue to dispute what is undoubtedly a lie, until satisfaction is given! 

What proof will you provide that supports the allegations made? Please advise accordingly. Thank you. 

P.S., it would be in your company 's best interest to comply, so that I will put an auspicious end to this wholly disappointing course of conduct that your organization is so willing to perpetuate. I will not accept any outcome other than equitable indemnification of the misappropriated funds, and I have no intention of departing from that righteous path. As such, it would behoove you to alert your supervisors of this steadfast dedication to what is right, and simply return the wrongfully stolen funds.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

Had I not been incorrectly advised, and had I been properly informed of the companys policies, I would not have closed my American Express XXXX XXXX account. I believe that the incorrect statements by the representative from American Express will now cause harm and negatively impact my credit score should I reapply for the American Express XXXX card and available sign up offers. 

Having called the service line, I expected and trusted that the information provided to be accurate as the information shared by representatives could have adverse impacts in decisions cardholders make. In my situation, I was provided inaccurate statement when I called to speak to a representative regarding my decision to close my American Express XXXX account earlier this year and was NOT made aware of the once per lifetime rule barring previous customers to become eligible for future signup bonus offers. I only learned of this rule based on a separate conversation with another service representative around XXXX XXXX,2024, and had to search online to confirm this rule ( example : XXXX XXXX XXXX ). Had I been properly advised of this rule, then I would not have closed my account because I would have known that the representative provided inaccurate statement on being eligible to requalify for a bonus after two ( 2 ) years ( was advised of this on my call around XX/XX/scrub> 2024 ). Fast forward to now, if I would like to reacquire an American Express XXXX card, I will potentially be subject to adverse credit impacts with another pull against my credit with no guarantee that I could qualify.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2017-05-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC (TX)

during the   XXXX   XXXX   of  XXXX   2017 , I requested that my banking account information be updated so that i could use an additional account to make payments on my loan. I was not given the opportunity to do so, I received no response offering to help update my account information or providing me the option to do so.     during  XXXX   2017 , I called and requested that I be given an update on my account and was placed on hold for an extended period of time. I contacted mobiloans again during  XXXX     2017  and after discussing the status of my account and learning of the additional charges being added I was offered a settlement amount. I verbally accepted the offer extended and was told that the agreement would be in place and the amount owed would be the agreed offer. As part of the offer I was asked to agree to a payment to be taken as " good faith '' I was told that it would be applied to the new settlement amount and would cease any previous ach payments.To confirm the agreement, I asked that I be delivered a copy of the terms and conditions of the settlement offer as proof of the agreement via email or physical mail. I was told that they would not do that and that I could expect information by the following close of business. The following day I was charged  XXXX  payments instead of the  XXXX  payment as agreed and was never given the terms and conditions of the settlement offer. I contacted them again and still did not receive the information requested. furthermore during this time I was unable to make payments on the account online.   
As a result of these actions and behaviors on behalf of Mobiloans, I consider this to be a breach of contract for violating the terms and conditions of the settlement agreement o  ffered to me and for not allowing me to pay my account balance to avoid additional fees and charges.
Consumer complaint received 2016-06-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MT)

1. We were misled to believe that when making Biweekly payments the money we paid early would apply to principal, thus lowering our balance sooner due to the compounded effect of paying principal early. Instead, Ocwen simply pocketed the early payments and did not apply them to anything, using our money for free. 

2. We asked to cancel our Escrow account because OCWEN raised our payment to escrow when we did not have any change in taxes or insurance, and would not explan why they kept increasing the escrow payment. Ocwen responded that our loan to value was not high enough ( 75 % or less LTV ) they used the purchase price of our home that we paid in 2008 in the worst time in the market. We called their consumer ombudsperson and asked if there was a way to recalculate the value of the home based on the many repairs we have done, and the market improvement since then. They have not responded.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

I paid off my account with Citibank, including all pending charges, and asked to have my card canceled. A few months later, I was contacted and informed that another charge had been added to my account that I had not paid for. Apparently, this charge was not reflected on my account. I had been charged late fees for XXXX and XXXX. I called and asked to have this issue resolved and offered to pay for the late charge. However, they refused to waive both late fees. They waived the XXXX late fee ( admitting that they had screwed up ), but refused to take care of the XXXX fee. They also could not prove that the charge was made before I had ask the account to be canceled.
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MO)

I AM WRITING IN REFERENCE TO I C SYSTEMS THAT WAS PLACED ON MY CREDIT REPORTS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THIS COMPANY HAS ADDED MULTIPLE COLLECTION ACCOUNTS AND LATE PAYMENTS TO EACH OF MY REPORTS WITH THE THREE CREDIT BUREAUS. NEVER HAVE I HAD ANY TYPE ACCOUNT OR SIGNED ANY TYPE OF AGREEMENT WITH I C SYSTEMS. I C SYSTEMS HAS NEVER MADE ANY TYPE OF CONTACT WITH ME TO ATTEMPT TO VERIFY AND VALIDATE ANY INFORMATION THEY HAVE, BEFORE ADDING ITEMS TO MY CREDIT REPORTS. THIS IS A VIOLATION OF THE FDCPA AND I WOULD LIKE FOR THESE TO BE REMOVED IMMEDIATELY. UNDER THE FCRA 15 U.S.C. 1681i ANY ACCOUNTS UNVERIFIED NEED TO REMOVED IMMEDIATELY.
Consumer complaint received 2015-06-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

Progressive Management System located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX Has reported to the credit agencies that I owe {$480.00} to them due to an original debt of {$410.00} from XXXX XXXX. 
When I contacted XXXX XXXX they informed me that they do not show any such debt in their records. I asked them to contact PMS and clear this misunderstanding. 
After XXXX contacted PMS and cancelled this debt with them, it still shows on my credit report. Upon contacting PMS they told me that XXXX has cancelled the debt, but they still refused to report it to credit reporting agencies to be removed from my file!
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2015-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (OH)

I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.