davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

I asked simply why I was getting an error when I tried to order a replacement card through the Square Cash App. 

They quickly responded that " they have no further information that they can see on their end '', and there's noting more that we can do on our, and to please try again at another time. Sorry for the inconvenience, and thank you for understanding. '' -Monday, XXXX EST ( I've used Cash App for well over 5-6 years, and it's never been a problem filing to report a lost card, and they could send a replacement card immediately and it would soon coming in the application itself. Now, it doesn't even allow me to order the card, and it constantly says, " An unexpected error has occurred. Please try again later ''
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NE)

I looked up the phone number " from ''  XXXX , AZ, ''  XXXX , and saw it was for a company that is in  XXXX  and is a debt collector. They call  us up to 10 times a d ay, and when I answer, there is no answer. When my answering machine answers, there is NEVER a message left. I have no idea why they are calling my home, but my land line phone does n't block calls that I know of. I want them to stop harrassing us immediately as we are both  XXXX  and the calls prevent the little sleep we get and is interfering with our health. They can contact us by letter only.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (NV)

Have a medical bill that 's not mine from  XXXX  collection company for  XXXX . Never went to the hospital tried to call the hospital they wo n't respond. Now I 'm in collections!! I have insurance and the insurance they have is from a previous job that I have n't work ed in 5 yr s.
Consumer complaint received 2017-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

I received a call and message ( using my na me ) from  Student Assistance Corporation on my cellular phone which is on the national do not call registry from someone who stated in the message that they were attempting to reach someone with the same last name as me about a student loan.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The following made a hard inquiry on my credit report without my authorization :  Institution Information   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Last Reported by  XXXX   XXXX   XXXX ,  2017  Bk Of  Amer  Last Reported by  XXXX   XXXX   XXXX ,  2017  Bank  Institution Information Bk Of Amer   XXXX   XXXX , TX  Institution Information   XXXX  Last Reported by   XXXX    XXXX   XXXX ,  2017   XXXX , FL  XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX  )  XXXX
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank Delaware claims that I owe them {$2200.00}. After two letters sent by me, Barclays Bank failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )
Consumer complaint received 2021-01-30
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: PENTAGON FEDERAL CREDIT UNION (GA)

A CALLER WHO POSED AS AN " XXXX '' REPRESENTATIVE CALLED ME. SHE STATED THAT MY COMPUTER HAD BEEN HACKED NUMEROUS TIMES AND WOULD BE RENDERED USELESS IF I ID NOTFOLLOW HER INSTRUCTIONS./ SHE INSTRUCTED ME TO GO TO THR XXXX  XXXX  DROCERY STORE NEAR MY HOME. ONCE I WAS THERE SHE INSTRUCTED ME TO PURCHASE 2 {$500.00} XXXX  GIFT CARDS. SHE THEN INSTRUCTED ME TO REVEAL THE ACTIVACTION CODE TO HER. I WAS TOLD THAT HER SERVICE WAS FREE AND THAT SHE WOULD RFUND MY CREDIT CARD COMPANY 'S CHARGE WITHIN 24 HOURS OF MY PURCHASE, THAT NEVER HAPPENED. 
I THEN CONTACTED PENTAGON FEDERAL CRTEDIT UNION TO FILE A FRAUD CLAIM FOR THE {$1000.00} OF WHICH I NEVER RECIEVED {$.00} FROM THE PURCHASE. THIS WAS IS XXXX OF 2020. 
I MAILED THEM ( CERTIFIED MAIL ) A NEWS ARTICLE FRON XXXX XXXX  THE ARREST OF A MAN FROM XXXX WORKING OUT OF FLORIDA, WHO WAS RESPONSIBLE FOR SCAMMING GA SENIORS OUT OF {$20.00} XXXX. 
PENFED AS REPLIED THAT SINCE I PARTICIPATED IN THE " SCAM '' WHICH THEY SAY IS NOT FRAUD, THAT THE CHARGES ARE VALID AND THAT I AM RESPOPNSIBLE FOR THE CHARGES. THEY ARE TELLING ME THAT FRAUD AND SCAM ARTE NOT THE SAME THING AND THAT I MUST PAY. I DISAGREE, FRAUD, SCAM AND CHEAT ARE ALL THE SAME. I AM XXXX YEARS OLD AND FEEL THAT IT IS FRAUD.
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (NV)

I previously have a private student loan with  Discover   Financial Services i n the amount of {$49000.00}. I also have a private loan with  XXXX  which is about the same amount along with the federal loan in excess of {$30000.00}. I incurred these loans during my 5 years in college between the years   XX/XX/XXXX -   XX/XX/XXXX . Six m onths after graduation All lenders began to request monthly payments. The combined amount was over $ 1000 monthly . Discover requesting  {$480.00} a month. Unfortunately, this was a hardship. I spoke with  XXXX  along with my mother who cosigned the loan and I was able to come to be enrolled in a program that affords me lower payments. T hen I called Discover to  see if I could get the same kind of arrangement once I explained my hardship. I was told on numerous occasions that there was nothing that they could do to assist me. Disappointed I just sent all the lenders what I could afford. I just received a letter that my loan wit h Discover has b een sent to a collecttion agency  XXXX   XXXX . I called them to explain my plight and see if they could assist with lower payments. I was told that I would have to pay {$9800.00} as an initial deposit and then {$1100.00} a month for 36 months then they would lower the payments.   If I had that I would n't need there assistance. Its a no win with them.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XXXX XXXX my wife XXXX due to her " HIDDEN FROM ME '' massive charge card debt. I notified every one of the companies that were a victim of her forgery and fraudulent activities. She shredded every document in this house and gutted our P.C. She robbed the household of our retirement money and was possibly the one that orchestrated the robbery of our home in XXXX of 2014. 
I found out about a Bank of America account as a result of trying to borrow enough money from my credit union for her funeral. Initially BOA had no information about me on record according to the branch bank I visited here in XXXX Michigan. In the spirit of co-operation I gave the person at that bank branch my S.S. number. BOA has now turned all of her fraudulent charge card debt into an account for me. I have had to hire legal representation and told them I will see them in court for a resolution. 
Now in the last two days they have been calling my house by utilizing a recording. My attorney has advised me this is against the law and this is why I am contacting you. 
My attorney has sent them a letter advising them to leave me alone and any future correspondence should be directed to him. They are ignoring it. I do n't need this XXXX after my wife XXXX and gutting this household of most of the finances. They had better stop and it had better be sooner than later.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am disappointed by the actions taken by the Credit Reporting Agencies and continued reporting the disputed accounts without providing me copies of proof of verification for the accounts the Credit Bureaus claim as verified. I conducted a research with my Credit Report and noticed that : 1 ) there are accounts reporting late payments on my Credit Report even though it is clear that I never missed a payment ; 2 ) there are closed accounts reporting late payments even though the accounts are closed and the balance is 0 ; 3 ) charge off accounts reporting balance or accounts reporting even without my knowledge ; and 4 ) there are accounts reporting on some Credit Bureaus even though it was deleted from the other Credit Bureaus. I am submitting this CFPB Complaint to request that the accounts be corrected and or deleted : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

An account was placed under my name erroneously. Since then, DISCOVER BANK has damaged my name, and my credit. DISCOVER BANK has entered derogatory information into my credit file. I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

I have been charged an overdraft fee of {$86.00} from Iberia Bank and I am concerned. When I checked to place the balance of an amount. I called on XXXX/XXXX/16 or around that time and I had an incident with a fee and it could not be reversed from the company. I had to leave and go to XXXX just came back and saw an overdraft fee in the amount of XXXX odd dollars. The day of the overdraft I called and asked for an overdraft fee not to be placed on my account. I have had discusions before which have been very cordial with this bank. When I go to this particular branch there is a lady who is quiet rude and at times, maybe does not realize how condescending she may sound, XXXX. That has not been the first time with me, I am a student and I travel which at times it is hard to go into a branch. I called XXXX and that is where they transferred my call to. I have just come back to see this amount on my account ending in XXXX. Iberia Bank. The corperate number is XXXX.
Consumer complaint received 2017-08-28
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. (IL)

Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. ()

good day my name is XXXX XXXX i tried to make a demand transfer to my account in my country but the money were taken and i did not receive nothing and i was charge for the transfer fee also tried to contact them by any chance and also the bank XXXX has send before a changing bank and isuees that dont help me with nothing i could not use my card to get money from a atm so i chose to transfer and i dont have now money on either account please get back to me as i have a problem and i need those money asap thank you i did the demand transfer on XX/XX/XXXX and they didnt enter in account even at this hour. Dear XXXX XXXX The following payment has recently been processed. If you did not perform this change or have questions about this communication, please contact Customer Service at XXXX. 

Please note the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Transaction Date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sender : XXXX XXXX Recipient : XXXX XXXX Recipient Bank : XXXX XXXX XXXX Recipient Bank Country : XXXX Confirmation Code : XXXX Date of availability : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transfer Amount : USD XXXX Transfer Fee : USD XXXX Transfer Taxes : USD XXXX Total : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FX Rate : XXXX USD = XXXX USD Transfer Amount : USD XXXX Other Fees : -USD XXXX Other Taxes : -UNKNOWN Total to Recipient : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You have a right to dispute errors in your transaction. If you believe there is an error, please contact us within 180 days at ( XXXX ), or log onto XXXX. You can also cancel this transaction for a full refund within 30 minutes of submitting this transaction. For further questions or to log a complaint, please contact the Consumer Financial Protection Bureau at www.consumerfinance.gov or call XXXX, XXXX ( TTY/TDD ) Sincerely, XXXX
Consumer complaint received 2017-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I had an unjustified foreclosure created by OCWEN with misleading " assistance '' that lead to 6+ years of court- for all the same issue that have been seen by others in complaints against the company. FINALLY, with help of law office, we closed the case in XX/XX/XXXX with all payments up to date and a modification agreed to. 
Even though, to reach the modification, we went beyond the 3 months trial payments ( trial mod was XX/XX/XXXX ) and continued to pay for ONE YEAR after the supposed trial term. They even kicked back payments, refusing to accept them and then claiming we did not make the payments. This confused the attorneys on both sides. 
Finally, after being asked to submit 3 months payment at once to catch up after they refused the money, I was told by their attorney that, going in to XX/XX/XXXXtrial date ( XX/XX/XXXX ), if I made that month 's payment as well, they would finalize the modification ( even though mod agreement only specified trial 3 months back in XX/XX/XXXX. ) I complied and all payments - according to their attorney - were up to date in XX/XX/XXXX and the foreclosure case was closed, with a new modification for me. This new mortgage was worse than the first with OCWEN increasing my initial payment by hundreds, adding property insurance and DOUBLING my existing mortgage ( also handcuffing me to this new mortgage by promising to take thousands off if I make payments over the next few months/years. ) 2 weeks after the case closed, I received a new statement from OCWEN that said I owed an additional {$8000.00} and that I was one month late with my monthly mortgage payment. 
Multiple phone calls to OCWEN only serve to bounce the issue from person to person, department to department with no resolution. They claim the amount is owed from payments that I have already made, they make no effort to clean up their own mess and have now issued a notice of default AGAIN, threatening to foreclose.When asked for details about the amount they say is owed, the people on the phone said to contact the research dept. to investigate ... .this is basically like having me defend my status instead of them proving what they are claiming. 
Besides the mess of a modification and new mortgage payments, this is OCWEN taking things to a whole new level by being misleading, unhelpful, and giving me the run around to waste time - on purpose.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received the following email from Capital which states " A purchase was charged to your account. ". I called to inform them that I did not authorize the two charges for {$150.00} and {$1.00} ( total {$150.00} ). I was told this was a pre- authorized charge by XXXX. I ask for a written explanation as to how someone other than me can authorize a charge on my account. I was told they do not provide written explanations. I then asked to talk to a supervisor ( waited 10 min ) for XXXX ( XXXX ) and he stated he could not provide a written response. I also contacted Capital One on line CHAT service and asked for the link to file a complaint. I was not given the link so I informed them I would file with https : //www.consumerfinance.gov/. <P/>NOTE : I am a XXXX - no XXXX XXXX XXXX XXXX A purchase was charged to your account. RE : Account ending in XXXX XXXX, As requested, were notifying you that on XX/XX/XXXX, at XXXX, a pending authorization or purchase in the amount of {$150.00}  was placed or charged on your Capital One VISA SIGNATURE account. <P/>Note : Youll receive this notification for both purchases and pending authorizations, such as car rentals, hotel reservations and gas purchases, even if an actual transaction hasnt taken place. <P/>Please visit your account to view your pending and posted transactions. <P/>Important Information from Capital One Contact Us | Privacy | Help Prevent Fraud To ensure delivery, add XXXX to your address book. <P/>This email was sent to XXXXXXXXXXXX and contains information directly related to your account with us, other services to which you have subscribed and/or any application you may have submitted. <P/>The site may be unavailable during normal maintenance or due to unforeseen circumstances. Please visit our Set Alerts page to modify your alerts subscription preferences. <P/>Please do not reply to this message, as this email inbox is not monitored. To contact us, visit www.capitalone.com/contact. <P/>Products and services offered by the Capital One family of companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX., Members FDIC.
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XX/XX/XXXX Capital One. Capital One is a federally registered service mark. All rights reserved.
Consumer complaint received 2017-08-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

I sent payment by money gram to Carrington Mortgage services in the amount of {$1000.00} on XX/XX/XXXX. I also had a check sent from a church in the amount of {$250.00} around the same time. The company told me they never received it and asked me to send them copies of my receipt and reference number showing proof because if I sent before XX/XX/XXXX, I would not be in foreclosure status. I sent the required information and thought it was resolved. They then told me the payment was held and then returned and no-one knew what was going on. Since they told me not to make any payments and I am in foreclosure. this company needs to be investigated and prosecuted. I feel they are forcing me into foreclosure.
Consumer complaint received 2017-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was advised to consolidate my XXXX parent plus loans ; I was told my payments would be lower. I financed {$67000.00}. combined and I later found out I now owe $ XXXX. When we make payments the balance increases instead of decreasing. I was told to apply for the wrong type of loan. I do n't pay this loan my daughter does and she earns half of what I earn and yet they told me to apply for the income driven loan. Her payments are about {$500.00}. a month, graduated. They will increase every two years, I was told over till 348 months go by. This is robbery! Today I found out all our payments only go to interest of course this loan will never be repaid. I 'm outraged how this kind of abuse is permitted by our government is unimaginable, it sounds like a real estate racket to me, this is wrong! Why would anyone want to pay for something forever without making a dent in their debt? We even asked to transfer the loan under her name in hopes of a lower payment/interest and balance due to her income and they refused to help us. This is not right, someone has to put a stop to this robbery. Every time I speak to someone for help with more options I hear a different story as if they make this stuff up along the way. This is horrifying and now my credit is forever ruined and I can not even think of buying a home, ever and I 'm XXXX. This is beyond extreme. What can I do?