davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

In XXXX I agreed to refinance my home with US Bank. 4 or 5 days before closing they asked for an additional {$10000.00} in escrow that was not part of the estimate they gave me. I was upset but had gone through so much of the closing process decided to still close with US Bank. I made that decision because the US Bank employee I was communicating with wrote in writing " after 2 months of payments can cancel the Escrow and it will only take 2 days to do it ''. 

I have now been trying to cancel the escrow for 7 or more weeks now. Throughout the process US Bank adds another layer of red tape that is not disclosed. Like the {$1200.00} fee to pay them to cancel the escrow that was paid 3 weeks ago. 

Every time I speak to someone at US Bank I get a different set of rules or steps. It feels like they are just a bunch of liars but its more likely they just grossly inadept. 

The process has been frustrating. They don't care that I was told it would only take 2 days. I have offered to forward it to them, the emails from their employees. 

I do not think that a bank/mortgage company can mislead consumers in the loan process. It should be in writing and they should keep written commitments. They also said if I would pay my property taxes they wouldn't need the {$10000.00}. The next day I paid my property taxes and sent them the receipt. They then said, oops we made a mistake telling you that and we are still requiring the extra {$10000.00} at escrow. 

If I make a mistake, lets say I don't pay them, etc. Will I get to say Ooops? Can I lie to them or mislead them? Why is it only one way?
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NC)

On XX/XX/2020 I received a U.S. Bank ReliaCard. I knew that I hadnt applied for this card nor do I have an account with this bank. After doing some investigating, I believe this card was sent to me because someone applied for unemployment benefits in my name. Im not unemployed. I tried calling the number associated with the card and the number is inoperable. This needs to be investigated and fixed.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (VA)

XX/XX/2020 i was shopping online XXXX bought a XXXX gift voucher XXXX XXXX XXXX  card and XXXX XXXX  XXXX  that was the last i used card .. fee of 5 replacement card and XXXX XXXX  card shows up on purchases soi just dont do anything it happens all the time i have opened an account XXXX XXXX  XXXX XXXX XXXX XXXX va XXXX .. my girl and i are fussing back and forth her name is XXXX XXXX XXXX and she is out with Best friend XXXX XXXX my girl let her use her card i dont know but i know im going thru a situation of fraudulent activities being put on me and i want to clarify that a card recieved on monday ups in my name im looking at it i look at the number in the corner i call it says indiana something .. i still have the card in muy posession ending XXXX when i sign into my account card ending XXXX XXXX something like thatmy charfes i made prior weeks are showing up in all other transactions a re w pending .. something real crazy with that XXXX my emails locked out i was using XXXX my sim card gets locked ..
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (TX)

americollect XXXX XXXX XXXX americo collect sent me to collection for a medical bill when I went through a Covid 19 pandemic, and I don't even have a job to pay for food for my family. there is little communication from them in trying to solve this problem of their payment of money that is only XXXX dollars. 
Please, I am willing to start paying after the pandemic is gone, but now I am going through a very difficult situation and I need a temporary break. 
Thank you and I would appreciate your help.
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NC)

XX.XX.17 Several days ago I decided, for general security reasons, to change all of my User Names and Passwords for my credit card accounts. This morning I began systematically opening my online accounts to make sure that these changes had been properly processed and to make sure that these changes had not caused my " Pay From '' account information to be disrupted. When I went to my card 's Account Management page, I saw that the " last four '' of the two bank accounts I 'd linked to this site were in place. However, I was shocked to see that the full name of the bank in which these accounts are held was in full sight ( in capital letters, no less ) of anyone who might gain fraudulent access to this information. So now all a crook would need is the bank 's routing number ( universal for all 250 branches ) and the other 6 numbers of my account to drain my balance. Despite the fact that credit card issuers such as XXXX, XXXX & XXXX DO NOT PUBLISH YOUR BANK 'S NAME ONLINE, apparently XXXX is unable to figure out how to forego INFLICTING THIS ABSURD, TOTALLY UNNECESSARY, HIGH RISK PRACTICE ON THEIR CUSTOMERS! CONSUMERS BEWARE! CHECK YOUR XXXX ACCT ONLINE! XXXX  IS NOT SECURE!!!
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

ON XX/XX/2021 WE PAID OFF MORTGAGE TO FREEDOM MORTGAGE. AT THAT TIME, A DUPLICATE PAYMENT OF MY TAXES WERE PAID, ONE BY FREEDOM MORTGAGE ( WHICH I WAS PAYING THROUGH MY ESCROW ACCOUNT ) AND ONE BY ME WHEN WE REFINANCED WITH ANOTHER BANK. I CALLED MY TOWN AND THEY INFORMED ME THAT I WOULD HAVE TO CONTACT FREEDOM MORTGAGE FOR THE REFUND OF MY TAXES IN THE AMOUNT OF {$2500.00}, SINCE THEY HAD ALREADY RETURNED THE FUNDS TO THE MORTGAGE COMPANY. I HAVE MADE 10 CALLS TO FREEDOM MORTGAGE AND STILL DO NOT HAVE MY REFUND. I HAVE REACHED OUT TO SUPERVISORS ( WHO PROMISE TO CALL ME BACK AND I DON'T GET A RETURN CALL ). SOME OF THE SERVICE REPS I HAVE SPOKEN TO WERE - XXXX, XXXX ( HUNG UP ON ME ), XXXX, XXXX, XXXX, XXXX ( SUPERVISOR WHO WAS SUPPOSE TO CALL ME BACK AND NEVER DID ) AND MY LAST CALL TO XXXX ON XX/XX/2021 ( WHO PROMISED ME A SUPERVISOR WOULD GET BACK TO ME AND SHE WOULD ALSO GET BACK TO ME THAT SAME DAY - NEVER HAPPENED ). AT THIS POINT I AM BEYOND FRUSTRATED.IT HAS BEEN 65 DAYS SINCE MY MORTGAGE HAS BEEN PAID OFF AND I DON'T UNDERSTAND WHY IT IS TAKING SO LONG TO RECEIVE MY REFUND? I UNDERSTAND THAT PROCESSING TAKES TIME, BUT BY NOW I SHOULD HAVE MY REFUND. THE MOST INFURIATING PART IS THE LACK OF FOLLOW UP ON THE PART OF FREEDOM MORTGAGE.
Consumer complaint received 2017-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Young America Holdings, LLC (AL)

Hi, I received a prepaid card for {$240.00} on or around XXXX/XXXX/16 as a rebate on a promotion. I 've used the card a few times over the year, and when I recently tried to check the balance, I was told that the card was only valid for one year and all remaining funds had been removed from the card. I understand companies needing to charge a maintenance fee if the card has been open for a long time, but to remove all remaining funds from the card after less than a year seems a bit extreme.
Consumer complaint received 2017-12-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (DC)

Virtually every day from XXXX until XXXX I have received anywhere from 2-7 phone calls from a XXXX number that asks for me by name. Several times the calls are dropped and the few times they stay on the line refusing to identify who they are. One time I gave them the information they requested and they told me that I owed a debt to XXXX. I told them I did n't believe that was the case but that if that was I would take it up with XXXX because i did not feel like giving out my information over the phone to a company i had never heard of. 

They told me that XXXX XXXX XXXX could not help me and that I must pay through them. I told them I would not be doing that. 

I subsequently paid this off through XXXX XXXX XXXX - meaning this debt collection agency not only called me obscene amount of times but also clearly lied to me.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I have filed a dispute and info still has not fallen off. I filed a complaint with the CFPB and finally got a response in XXXX. They responded to the complaint by stating that it would be removed in XXXX. Its still on there. Refer back to complaint XXXX
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (VA)

I've contacted you in XXXX as well as in XX/XX/XXXX about erroneous and inaccurate information on my credit report. I've asked that you thoroughly investigate and provide me with the method of your verification, yet you refuse. 

I do not recognize these creditors or the amounts they say I owe. Since you are reporting this information, per FCRA you should be able to tangibly verify that what you're reporting is accurate. Yes? Well I asked for your method of verification per FCRA 611 ( a ) ( 7 ) for a complete description of all methods used to investigate my dispute I previously sent about " XXXX XXXX XXXX and " XXXX XXXX. 
You did NOT provide me with this information which leads me to believe it was NOT investigated, but responded to by e-Oscar, the grouch. Therefore it should've been deleted There is no information as to what the balance is from or for on my credit report as you can see on my screenshot, so before I pay a company I need PROOF I owe what they say I owe and i do not recall doing business with XXXX XXXX. Therefore I need to see the agreement I signed saying I agree to pay them and for what product/service. 

I asked you to stop reporting XXXX XXXX XXXX. This account is unknown. I asked you to provide me verifiable proof or to delete this unknown unverifiable account. why are the XXXX inaccurate? You ( Experian ) report XX/XX/XXXX XXXX reports XX/XX/XXXX. 

You continued reporting the account without sending me proof that I owe this creditor. And what's worse ... I dont even know who this is! Yet this unverifiable account continues to report different dates last active!! THIS IS A VIOLATION!
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (NC)

I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed. 

XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed. 

XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from here.
Consumer complaint received 2017-12-10
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: CITIBANK, N.A. (MA)

I was on a XXXX XXXX to XXXX. I am XXXX XXXX XXXX. I was with my partner. We were in XXXX in a store to purchase a coffee. There was a line behind us. 
I paid for the coffee and put the wallet back in my pocket. I did n't notice tilwe returned to the hotel that the wallet was stolen. I notified the credit card company from XXXX. Being on a tour we had to leave in the am. When we got to XXXX we went with the tour guide to the Police station. document attached. We also lost XXXX and XXXX XXXX in the wallet.We spoke to XXXX customer service about the card.After several calls they took the charges and fees off. The card has cash advances etc. I had card for twenty years and never had a cash advance. 
Theysent out a following letter in XX/XX/XXXX ( attached ) The letter stated we participated in the fraud by giving the card to the merchant. Total lie. How did they come up with that erroneous conclusion.. I tried numerous times to reach them. They refuse to give me a supervisors name. They transfer my call to people who do not help. 
I reached on person XXXX who said he will get back to me in 3-5 days. Ten days  ago. 
I leave messages no calls me back. 
How dare they accuse me a fraudulent behavior. I do not know anyone in XXXX. 
Economically I have no reason to steal for the company. 
They continuously give me the run around hoping I will give up. 
I want these fraudulent charges taken of my card along with the fees you are charging for the fraudulent charges. 
I have never encountered a company like XXXX card. XXXX XXXX XXXX XXXX card is trying to scam me. 
What proof could you possibly have to prove I handed the card over to the merchant. 
I would like to see your proof.You accuse people of fraudulently using the card. Produce the evidence to the Consumer Financial Protection Bureau. 
It is despicable behavior on XXXX credit card. I have been a customer for over twenty years. Not even a late payment. Maybe you think if you put enough blocks in front of me I will give up. No I want those charges taken off my account. 
There whole response in their letter defies logic. I want this fixed.The total charges are {$1000.00} plus accruing fees.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Consumer complaint received 2020-10-30
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. (TX)

On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from here.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Green & Sons Agency, Inc. (UT)

I made every attempt to contact XXXX XXXX XXXX with no response. I responded to one letter they sent me stating they are trying to collect on an invalid debt with no response from them. I have even written a letter to their attorney explaining the situation with no response from them either. The debt they claim I owe is completely invalid and will not be paid to them under any circumstances.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from XXXX, Transunion and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On all 3 credit bureau reports, XXXX XXXX is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to XXXX XXXX and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". XXXX states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from XXXX so my concern is the company is not reporting correctly. I do not know what to do from here.
Consumer complaint received 2020-10-30
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. (FL)

On XX/XX/20, I did my annual credit check, and found on there listed that I had made 13 consecutive missed payments on an account. I called the bank immediately and tried to rectify the error. I also have two other credit accounts with this bank and both are exceptional status and paid automatically. I told the bank that I had never received a notice of late payment, or any notice that my account was so far behind, no billing statement, and that my online account showed I owed nothing ; which was different from what they were reporting to the agency. I also told them how ridiculous it sounds for me to not have paid {$4.00} for 13 months, while making payments on my two other accounts for 10x that amount, monthly. They didn't change it. I filed a dispute with Experian the same day. On XX/XX/20, Experian informed me the dispute was complete and no change was made. The error remains on my credit report, and has dropped my score 50 points in 10 months.
Consumer complaint received 2017-12-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (NJ)

I have been repeated calls from the number XXXX at my home number, XXXX for the past several months now. The number, which is listed as unavailable on my phones Caller ID, does leave a message that they are in essence trying to contact me regarding important personal business. The voice in the message is male with somewhat of a southern drawl. I have answered the phone a couple times, but when I do and try to see what the message or the call is about, I get a message saying something about the person they are trying to reach, but the name is unintelligible because it is done by a computer and it is very hard to make out. I have tried contacting the FTC about this since I am on the Do Not Call list. But nothing has been done about this. I usually get at least one call per day from this number, and I have saved up to about 15 of the most recent voice mails from this number on my home phone.
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XXXX/XXXX/XXXX, I made a wire transfer in the amount of {$1800.00} to Coinbase, Inc. ( XXXX ). This money is supposed to show up in my account, at most, one business day after being sent. Today is XX/XX/XXXX and it has yet to show up in my account. I have called Coinbase 's customer support line eight times and every single time the automated message said that they were experiencing heavy traffic and then hangs up. I sent 4 e-mails to them as well, but have yet to receive a response.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.