davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (NE)

I am getting calls for a previous tenant at my apartment regarding a debt collection. However, my phone number is from my previous address, and previous address before that, for more than 20 years. Whoever this person is that used to live here, she never knew my phone number, and she never could possibly have given it for any purpose to anyone. The collection agency has been hounding me for the better part of the last decade to pay for this girls debt. Obviously my own debts, which are now paid, have my telephone number as a mark for low life debt collectors who see dollar signs next to my name. These bottom feeders belong in prison.
Consumer complaint received 2021-11-05
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: CITIBANK, N.A. (CA)

I was booking airline ticket via XXXX XXXX website on XX/XX/XXXX following offer showed up. Please refer to attached document ( screen print taken from XXXX XXXX website ). I applied for credit card as per offer then after meeting requirement when I didnt see the credit of {$250.00} and XXXX bonus miles reached to Citi credit card through which XXXX XXXX issued the credit card. 
Citi informed me since I got offer in past 48 months this offer is not available to me, however that information is not shown anywhere in the XXXX XXXX website. When I complain this issue to Citi for investigate and honor the promotion they offered me as curtsey one time they can give XXXX bonus miles. I registered complain number with citi that is # XXXX. I have not heard back from Citi until XX/XX/XXXX so reached them they Citi said we cant offer promotion since it was given in last 48 months. When I told representative, I know that is what earlier representative told me when I open my complain # XXXX my complin is to investigate issue with XXXX XXXX advertisement misleading the customer because of which I ended up opening the credit card account now Citi bank is not honoring the offer because they have different policy. After several minutes of discussion representative told me since it is from XXXX XXXX promoting go and complaint to XXXX XXXX we cant honor the offer. I need help this issue to be fixed and provide promotional offer to me.
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolio 's failure to provide requested information for the debt alleged and repeated phone calls despite being informed of consumer 's legal representation. 
On XX/XX/XXXX, consumer ( through legal counsel ) sent a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

It has been over 3 months, and consumer has not received this documentation. In addition to this request, the letter also provided instruction not to contact consumer directly. However, consumer has received multiple phone calls from Portfolio Recovery, in which she has told them to contact her attorney, but has continued receiving calls. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. 

Finally, this dept is from XXXX, which also means that is is past the 6 year statue of limitations in Arizona, and thus the creditor should cease collection attempts and reporting on the consumers credit report.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (AZ)

Axos Bank failed to pay my homeowners insurance through the escrow account I have in a timely manner. As a result, I needed to pay a {$10.00} late fee to the insurance company, which I did. To obtain reimbursement from Axos Bank 's for the late payment I paid directly to the insurnace company, I contacted Axos Bank by phone and was told to submit my reimbursement request by email. Included in the email I sent to Axos was proof of the {$10.00} late fee being charged and me paying the late fee. At this time I still have not received reimbursement for the late fee and this issue began in XXXX XXXX. 

A similar issue occurred in XXXX when Axos Bank failed to pay my homeowners insurance in a timely manner. A late fee was not charged in XXXX, as I directly paid the insurance company prior to a late fee being assessed.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I received a payoff amount from Bank of America. I went the next day, got a Cashier 's Check in the amount of $ XXXX and sent to them in the exact amount they provided to me. They did not process the check until XX/XX/2020 and debited my account for approximately {$700.00} more than was owed ( my normal monthly mortgage payment ) ( XXXX ). Long story made short, they applied the entire payment to payoff the loan, added the excess to the escrow, sent my Cashier 's Check back to me and charged me one day of interest. It appears they did not take into consideration that there was a $ XXXX shortfall in the escrow account when providing the payoff. 

I spoke with them on XX/XX/XXXX after seeing the payment processed and was assured that the payment would be returned to me within 10 days. The Cashier 's Check purchased for the payoff was sent back to me on the XXXX of the month. I had called twice by then. The third call I made was on XX/XX/XXXX. That is the date on the envelope in which the return payment was made, although the check was dated the XXXX of XXXX. Curious that the check was mailed on the very day I suggested that I would be filing a CFPB complaint. 

I have asked them to pay the amount of the CC purchase ( {$5.00} ), the {$30.00} stop payment fee I paid to avoid a subsequent auto-debit to my account and the one day of interest. Crickets. 

My questions are : 1. Why did they not review the escrow balance when quoting the payoff? 
2. Why did it take so long to process the payoff? ( I received their check in 3 days ) 3. Why did they debit the total payment, hugely in excess of what was owed? 
4. Why was I not told on the first 2 calls how the payment was applied? 
5. Why was the return payment not made via ACH, which is the method by which they received payment? 
6. Why did it take 3 calls, on each of which I was told the check had been mailed on XX/XX/XXXX ( it hadn't even been cut yet )? 
7. Why did it take 7 days to mail the check once it was produced?
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

Your questions are ridiculous. The problem is your system. It will not let me link to the government agency so they can deposit my XXXX loan!!! It says they have made a change and it will not let me link it!! Can you fix this? Hurry! 

XXXX XXXX XXXX
Consumer complaint received 2021-02-26
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. (MA)

XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my XXXX credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted XXXX they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. XXXX has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that Equifax has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXXXXXX blames XXXX while XXXX blames XXXX XXXX and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my XXXX XXXX
Consumer complaint received 2021-02-26
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: JPMORGAN CHASE & CO. (NC)

On XXXX our Chase card had fraudulent transactions committed on it and we were made aware via text. I stated that these were not my charges and the card was immediately closed. The following few days additional charges appeared. 

XX/XX/XXXX a charge was put through by a XXXX for XXXX. 
XX/XX/XXXX a charge was put through by XXXX for XXXX. 

I had to make subsequent calls in XXXX to again have these charges removed. 

On XX/XX/XXXX these charges once again appeared on my card. I had to call into Chase again to get them removed. The charge for XXXX was immediately taken care of with no questions. 

The charge for XXXX this time they are telling me that i have to submit additional information ( which i did on XX/XX/XXXX after speaking to them ) as they stated after investigation they thought i made this charge - it is not in our order history and does not link to our account. 

I have not been contacted or told any of the resolutions of these items, i can not speak to a supervisor and am never given the same person again to handle my case. I will be closing my account with chase, and wanted to report this as although i have received my money back, if i had not be vigilant in watching my account, i would not have noticed this and they never provided me information back that would allow me to dispute their mistake ( the XXXX charge ).
Consumer complaint received 2020-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I wrote a dispute notice to Portfolio Recovery Associates, asking them to validate a debt that they alleged I owe. They did not validate nor send proof of an original signed contract with the wet ink signature. I sent them the notice dated XX/XX/2020 via USPS Certified Mail Number XXXX. In which they received it on XX/XX/XXXX According to the USPS website at XXXX. They did not remove it from ALL of my credit files. It is causing me great financial injury and it's causing me to have difficulty acquiring credit. The account number for the alleged debt is XXXX.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX, my Capital One personal card was declined while trying to make a purchase ( less than {$10.00} ). Upon calling Capital One customer service, I was informed that a " restriction '' was placed on my credit card account, and that I would be unable to use the credit card until I submitted specific documents for identity verification. 

When I asked why the restriction was put into place, a representative of Capital One & that representative 's supervisor both declined to provide an explanation. My account has been in good standing for many years, and Capital One gave me no notification about potentially fraudulent charges ( as has happened a number of times in the past ). Quite simply, Capital One restricted my account with no warning or justification provided. 

Capital One 's proposed solution is for me to submit ( sensitive ) documentation in order to verify my identity : [ 1 ] a scan of the front & back of my driver 's license, [ 2 ] a scan of my signed Social Security card, and [ 3 ] proof of residence ( e.g., a utility bill or bank statement ).
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

I am having difficulty with a company that processed a check payment for an outstanding balance, and is giving me the run around trying to state that a payment was n't made. I 've provided proof that the check cleared the account, and want this balance removed immediately as they received every penny. Despite receiving and processing the payment on XXXX XXXX, 2017, I am still receiving harassing phone calls and emails from the company, who continues to transfer between three titles. This is unacceptable.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been working with origin creditor to get this account resolved. I have spoken to XXXX XXXX, on behalf of XXXX XXXX, we established that the last four of my social security number XXXX is not the same as the social security number that is on this account. How can the credit company the account was sold to have something different from the original creditor. Also, on my credit report this account is listed as open in XX/XX/XXXX when in fact XXXX XXXX said this account was open in XXXX. How is this not fraud? 

I gave XXXX XXXX the last four of my social security number approximately on XX/XX/XXXX and a few days later my last four of my social was put on here by PRA how ironic, now XXXX XXXX is investigating because they explained to me that my social is not the one that is on this account and they do not understand how PRA has something different from what they have provided in their systems. They do not understand why PRA even have the social ending XXXX when they assured me it will go no further than there fraud department investigation after I supplied it to them. 

This is fraud, bullying, and harassment and something needs to be done for I will not stop fighting for my rights. And I have the right to clear my name and social security. And that is exactly what I am going to do with facts. I will not stop until they remove this account off of me for it is not mines.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital One Credit card where the minimum balance is {$140.00}, I have recently lost my job last month and going through financial hardships trying to pay my bills on time. Ive been late on a few payments but the late fees are taking a toll and my credit score is steadily decreasing. I have a 96 % on time payment history and would like to keep it around that amount if possible.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Had to open a new checking account, due to suspected fraud. Received a new debit card. Did not know new pin. Went to banking center as instructed by customer service. Met branch manager of the XXXX NC banking center. Showed him two picture id 's. One NC drivers license the other my military ID. He said he did no know me and would not reset my pin. I got angry and stated that I wanted to close my accounts. He would not let me withdraw my money. And actually stood between me and the teller s. I have been a Bank of America customer for XXXX years, I was treated rudly. and very disrespectful. This is the BofA financial center in XXXX nc. Please feel free to contact me. Thank you. XXXX XXXX
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Weber & Olcese, PLC (MI)

XXXX XXXX services had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired weber/olcese. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX   and weber/olcese through email, but now when I email XXXX about this they only give me a number to call. I have made several attempts with XXXX  to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXXXXXX XXXX had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with XXXX and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.
Consumer complaint received 2018-06-12
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. (SC)

Please investigate the following accounts, and have them send me what they have in there database that proves the following accounts are mine. To my knowledge none of these accounts belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU
Consumer complaint received 2022-08-11
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. (GA)

I have consistently been violated by Equifax. They have broken numerous federal laws when pertaining to my consumer file. It is being irresponsibly tampered with breaking laws 15USC1681. There are accounts that have NOT been thoroughly investigated. I have tried to remedy the situation since last week but to no avail Equifax is grossly dismissing any attempt to remedy. Under 15USC1681 they have also not respected my right to privacy being that they assumed their role without my consent and are not exercising their grave responsibility upon assuming the role that they took.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (VT)

I'm in the process of trying to close a Checking and Savings account for my deceased father. The bank is JPMorgan Chase Bank. 
My father lived and died in XXXX and I live in XXXX, where there isn't a Chase branch for over 200 miles ;  therefore I've had to try to do all of this via phone and mail. 
My father passed away on XX/XX/XXXX, which means it's been over 7 months and I still haven't been able to close his account and have the funds dispersed to me, his legal next of kin. My father was ill for years leading up to his death and accrued thousands of dollars of medical bills during that time, which remained unpaid at the time of his death. 
I've called the Chase Deceased Processing Group numerous times to attempt to obtain instructions, information, and to follow up on this process since XX/XX/XXXX, without success. I've talked to a different representative each time, none of whom were able to answer my questions or who seemed to have any information about my dad 's account or my attempts to close it. 
Since XX/XX/XXXX, I have mailed the Deceased Processing Group the original Death Certificate from the state of XXXX, included a letter of instruction for what I want done with the funds and included my signature, as well as mailing an official Affidavit for Collection of Personal Property and having it notarized three separate times, due to supposed " errors '' made on the document -- according to Chase bank, this includes missing information or the form being filled out incorrectly. After sending out the third attempt at the affidavit on XX/XX/XXXX, I waited a month without hearing or receiving anything only to call and have them tell me they " never got it. '' That phone call took place today, XX/XX/XXXX. 
I made copies of this most recent signed, notarized affidavit and have them in my possession. I have a receipt for the day I got it notarized and mailed it out. They are now telling me they need the original copy, which I guess either got lost in the mail, or they lost, or are just claiming they never received so they don't have to process my request. 
I can not afford to wait any longer, or keep getting the same document notarized over and over again without any direct communication from the bank that they are actively working with me to resolve this -- it's become quite clear that they have no vested interest in helping me recover what's left of my father 's money so I can mourn his death appropriately and be provided with some closure. In fact they appear to be doing the opposite. 
I have never had such a negative experience with a company in my entire life. More importantly though, what they are doing is morally wrong. They are profiting off of their deceased account holders and taking advantage of their grieving families.