davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Rocket Mortgage, LLC (PA)

I keep getting calls from various credit card reduction companies which actually end up taking 33 % of the payments sent in to them to be applied to a person 's credit card balance. Before being XXXX, I worked in XXXX and so understood these are not non-profit companies and have refused the services of all of them. It is difficult to remember the names of all of them and they also use different phone numbers when calling because I do have " caller I.D . '' Quicken Loans is the company that calls the most often and whom I have emphatically requested they do n't call me again. I have some high credit card balances ( 2 ) and I have already made arrangements with the one with the highest balance because I want them to eventually get all the principal owed to them. I tell the companies I have already made arrangements and not to call me again but they call several times a week. According to Lending Regulations, a lender is not to call before XXXX XXXX or after XXXX XXXX and not more than once a week unless it is a direct mutually agreed upon second call but these places do not abide by these regulations. One of the places was a power company I specifically said NO to and I was already on an energy assistance program I had waited in a que to receive. They not only changed my supplier to them but it automatically knocked me off the long awaited " XXXX XXXX '' electric program which is a wonderful, non-government program. I worked very hard when I was able to work and my health has deteriorated drastically. I am on XXXX XXXX XXXX and can not take the stress of these calls and how pushy the people are. Many of the calls are company from XXXX and XXXX. Please help me to stop these calls and calls asking for donations ( like the XXXX ) because I simply do not have the extra money for these political and charitable entities.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I, consumer XXXX XXXX has instructed Equifax a consumer reporting agency to remove inquires and several accounts since XX/XX/2020. Equifax has taken it upon themselves to furnish my information without my permission and without my written consent. This constitutes fraud and is against my federal consumer rights 15 USC 1681b ( 2 ) ( A ) Permissible purposes. Equifax has furnished credit history in which should also be excluded and factual information is against my rights as well. Several letters have not worked and now I've sent affidavits of truth to fix the issue. Equifax continues to violate me and I want it to be fixed and I want compensation for this abuse of my personal information.
Consumer complaint received 2017-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I have called several times on my account getting quotes of the payoff. Customer service representatives are quoting me different amounts that is owe for the payoff. I was quoted on XX/XX/XXXX that the payoff for XX/XX/XXXX is {$570.00}. I made a payment on XX/XX/XXXX for {$320.00}. I understand that there is a daily accrue of interest for this loan. I do not know how it come that I call on XX/XX/XXXX that the payoff is now {$440.00}. I do not understand this math. I was also told on XX/XX/XXXX that I my contract states that my last two payments are in XX/XX/XXXX on a bi-weekly basis when I only get paid monthly. I do not see how this is fair practice with pay day or installment loans.
Consumer complaint received 2017-12-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX PH : XXXX PH : XXXX EM : XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Date of Birth XXXX/XXXX/XXXX SS # : XXXX TO : XXXX Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX, I received another email from Bank of America XXXX XXXX, XXXX in my XXXXXXXXXXXX email that included a PDF file titled XXXX. That was addressed to an unknown person XXXX and unknown school related extention XXXX 

As well, shown in my XXXXXXXXXXXX email accounts online, both XXXX and XXXX XXXX XXXX 's on my cellphone ; yet still did n't appear in my name in. Nor did I find any current or past emails from Bank of America in my XXXX XXXX account today ; which were deleted without my permission. I do n't have and have n't ever had a Checking, Savings nor Credit Cards from Bank of America, nor any Business related Accounts. I created both my XXXX and Email Email Accounts years prior to moving here to Georgia in XXXX. I have n't ever given anyone the passwords to any of my email accounts nor any of my other online or offline accounts. None of my accootherwere, are nor have ever been shared accounts. 
From : Bank of America XXXXXXXXXXXX To : Recipients XXXXXXXXXXXX Date : XXXX XXXX, XXXX, XXXX AM Thank you, XXXX XXXX
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Although your response wasn't satisfying but thanks for taking the time to do so! I just got off the phone with your agent who won't transfer me to a supervisor! She did request to see where the ticket was for {$200.00} ( I will be attaching that info to this email )! Not only you sent the ticket to the old address because database error in your system but you also didn't pay it on time and waited for the ticket to accumulate late charges making the amount {$400.00}! Why is it so hard for you to admit you sent the ticket to the wrong address and waited for late charges to accumulate instead of waisting my time trying to confines an unprofessional department that it's your fault and you should take responsibility for you lake of communication!! I need to talk to someone who can make decisions and stop asking me to call your XXXX number and speak to random agents who can't make decisions/wo n't transfer the call to a supervisor nor acknowledge your mistake and apologize for the inconvenience this issue had cost me " My number : XXXX ''! This department shouldn't be called customer service but rather money hungry department that can't see beyond the computer 's screen monitor! " One piece of advise if you can understand it : we make machines to help us not control are decisions ''
Consumer complaint received 2017-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VA)

I have 2 separate debits that were UNDER {$5.00} each that I am now being charged {$35.00} fees for each one. I was under the impression by the bank that debits under {$5.00} would not accrue a {$35.00} fee. This is absolutely outrageous and I was told that I would not be charged a {$35.00} fee for something under {$5.00}. I spoke with a customer service rep and was told not to worry about it, I would not get fees. In fact, I was told that " most banks to not charge fees for debits under {$5.00} ''. Why is this bank allowed to do this when I 've been told otherwise?
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

dear cfpb I 'm using a Coinbase e-wallet. But the last time i wanted to login, my account ask for a 2 step verification via a XXXX app, but i have never activate a verification from this app. I do n't have this app. Since a few days i tried to fix my login and contacted many times the coinbase support, but without any answers. Now i ca n't use my wallet and my deposit is unattainable for me. That 's really bad, because i have more than thousand euro on my account. Can you help me to get support from Coinbase? I 'm hopefully waiting for your answer. Best regards, XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-12-14
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. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please adjust the misleading information of this account : XXXXXX/XX/XXXX
Consumer complaint received 2018-11-27
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. (NJ)

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX/XXXX CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy XXXX/XXXX  CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSWORLD SYSTEMS INC (TX)

THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK XXXX
Consumer complaint received 2017-12-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

Note : This is not a duplicate complaint. 

Case number ( s ) : XXXX XXXX The company answered the CFPB requests regarding the RESPA violations/failures and the alleged foreclosure sale of my property. 

1. In a XXXX XXXX, XXXX response to the CFPB the company ( OCWEN ) acknowledges that they received the " QRW '' in accordance to RESPA on XXXX XXXX, XXXX - as my response to the " default notice '' sent to me. They also acknowledge that they DID NOT RESPOND in accordance to the RESPA law, and only answered after I made a complaint with the South Carolina financial regulators. The company ( OCWEN ) admits that they responded on XXXX XXXX, XXXX and XXXX XXXX, XXXX, which is XXXX ( XXXX ) months after they received the " QWR '' from me. RESPA requires that the financial entity respond to the creditor within a very specific time frame and in a very specific written manner. 

In this answer of XXXX XXXX, XXXX OCWEN states that they validated the debt and owner of the property. The fact remains, they did not comply with RESPA and the FDCPA and proceeded with foreclosure actions with the law firm they mention as " their foreclosure attorney, XXXX XXXX XXXX ''. 

2. FORECLOSURE SALE : In response to my complaint about noticing me by US Mail that a foreclosure sale was scheduled on my home in XXXX, they again state that there was a sale scheduled for XXXX XXXX, XXXX, but conveniently do not have any records or documents to substantiate that. 

FACTS : My husband XXXX XXXX and myself visited the XXXX XXXX XXXX, XXXX South Carolina in person today. We were assisted by an assistant to the XXXX XXXX XXXX, XXXX XXXX in searching the courthouse records for the alleged XXXX XXXX, XXXX " Notice of Sale ''. After searching the entire physical file on my property and that foreclosure action, it was VALIDATED that there was NO SALE scheduled by the Court of Common Pleas , XXXX of XXXX South Carolina. We reviewed the entire file and and XXXX XXXX searched her computer database to no avail. It was absolutely confirmed that Special Referee, XXXX XXXX, no one in his office ever issued a " Notice of Sale '' to the Clerk of Court or anyone else. 

I am including the specific names and phone contacts for the Clerks and XXXX 's office ( s ) who can valid the statements above. 
XXXX XXXX - Clerk of Court Assistant, XXXX XXXX, SC. 
XXXX Presiding Referee in foreclosure case : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX OCWEN LOAN SERVICING, LLC is stating facts that are not true. They have caused great harm to me and my family by issuing false statements and putting fear into our lives by these actions. There is no proof greater than the court itself and they have never received any notice to sell our property in foreclosure. 

If OCWEN states that the records are not obtainable it is because they do not and never existed.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

1 ) I registered my CapitalOne Spark Business Visa Credit Card with Visa XXXX early XX/XX/2020. This Visa program run in conjunction with participating banks including CapitalOne offers discounts from participating merchants in the form of statement credits after qualifying purchases. I am supposed to see these statement credits applied to my CaptialOne card statements. 

2 ) I made subsequent qualifying purchases in XXXX, XXXX, and XXXX from XXXX expecting to receive the 5 % statement credit promised. 

3 ) I have received no 5 % credits. 

4 ) I contacted Capital One and spoke with 3 representatives on the phone all of whom were unable to assist me in pursuing the missing statement credits for my CapitalOne Spark Business Visa. 

5 ) The contact number for the Visa XXXX program XXXX has not worked for the past month - I always get a recording saying this number is experiencing technical difficulties. 

Please assist me in getting the missing credits from my qualifying purchases applied to my CapitalOne Spark Business Visa credit card account. 

Thank you!
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

On XXXX XXXX, XXXX my back made an auto pay to XXXX XXXX XXXX XXXX/Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, in the amount of {$180.00} I will attach a copy of the cleared check. 
On XXXX XXXX, XXXX the check cleared my bank, but my account with XXXX XXXX /Synchrony Bank was still due,. 
On XXXX XXXX, XXXX I received and email from this bank telling me my account still due with late fee interest. I call this bank right the way and told them I made the payment as I mentioned above. They waved the late fee, but my account is still due in the amount of {$180.00} on XXXX XXXX, XXXX. The rep told me to fax them a copy of the cleared check, and it will take up to XXXX to result this. I faxed and confirm the fax went through on XXXX @ XXXX. 
I called to follow up on XXXX/XXXX/XXXX @ XXXX phone # XXXX spoke with a rep name XXXX, he said raised dispute in the case of missing payment. 
On XXXX/XXXX/XXXX I went ahead and paid the {$180.00} so that I wont be late, and counting that they will find my first payment and credit me back. 
On XXXX XXXX I called again spoke with XXXX &  XXXX/supervisor told me refund check will be sent arrive in 5 to 15 days. Two weeks past no check. 
On XXXX XXXX I called again spoke with XXXX stated nothing show of check being sent out. Then I asked to speak with a supervisor, at XXXX XXXX/customer service said will work on credit {$180.00} back to the card with in 5 to 15 days. 
On XXXX two weeks later nothing has been done, @ XXXX I spoke an account manager came on name XXXX said ; on XXXX someone discovered the {$180.00} applied to the wrong account and he will request to putting the $ back into my acc, and will have a resolution on Monday XXXX and XXXX will call me back. Again no one call me back. I called back to find out no one has done anything about it. 
On XXXX I got on chat with this back instead with XXXX XXXX, to find out the same thing nothing been done, some is working on it and will call me back within 48 hours, guess what have not heard from them. 
On XXXX got on chat with them again, chatted with XXXX XXXX and supervisor name XXXX XXXX, told me the same thing again we are investigating it and will get back to you. 
On XXXX at XXXX spoke with XXXX XXXX and XXXX XXXX and then abck to XXXX XXXX XXXX XXXX told me to fax the copy of the check a gain so they can look for this money. This will take another 2 to 3 weeks. 

I still do n't have my $ back after almost 3 months.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed XXXX XXXX XXXX XXXX va XXXX
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (GA)

on XX/XX/XXXX I got my credit report to check and make sure things were accurate and reporting correctly. I noticed there were inaccurate and unauthorized inquire that I didn't authorize. I contacted all 3 credit bureaus. I told them these inquiries were all in accurate and they still haven't rectified the situation.i have filled with the identity theft. I have a police report as well for when all my information was stolen on XX/XX/23. I advised the Credit companies ( Equifax, XXXX, XXXX ) that this happened and have gotten no help so please look into this.
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (CT)

I wen t to purchase money orders for my XXXX and XXXX insurance and beacuse of the poor customer service i decided to cancel one of the money orders purchases before it was executed. i handed over the teller {$2500.00} upon cancellation she gave me back {$2400.00}. i called to inquire about my missing money and i was given sarcastic disrespectful attitude over the phone and was told that its store policy that i must count my cash in front of the teller. Is it store policy to con your customers. Im sure i will never get back my money but i want corporate to know the kind of people they have representing their brand. i was just stolen from and there is nothing i can do about it. the address of the the western union is XXXX XXXX XXXX in XXXX, XXXX thank you and hopefully at least someone reads this.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (MI)

On XX/XX/2022, I sent funds from my XXXX  Account to my XXXX XXXX account in the amount of {$180.00} through Zelle, which wasnt the first time I had done so. XXXX XXXX sent me an email stating that they were unable to deposit the funds and that they were returning them. By XX/XX/2022, I contacted Zelle via email to check the status, because my money hadnt been returned yet. I got an automatic email response with a case number that said that I would get a response in two business days, which I did not. Just before the close of the second business day, I reached out to Zelle via phone on XX/XX/2022, since I had not gotten a response as they stated I would. I provided the case number to the representative and he told me he was unable to look up the case. So, after I explained what my issue was again, he started another case for me. He indicated that he wasnt able to see what happened to the funds and that he needed to send it to the research department to investigate. There has been no further details provided since the case was opened. I called Zelle again today and the representative wasnt able to provide any details. My problem is my initial contact with Zelle was XX/XX/2022 and its now XX/XX/2022, yet no one can tell me anything. Im beginning to feel like Zelle ripped me off. I need my money back as soon as possible, so I would like some answers.