davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2017, I was suppose to receive payment for services rendered from my place of work. I attempted to check my account and to my surprise, I was locked out. I then called BoA ( Bank of America ) and spoke with customer service. I was n't satisfied with the outcome of my call as it was a complete waste of time because I was completely disregarded- I was on the phone for 5 hours trying to resolve the matter but accomplished no progress or answers. I then went to the Branch in XXXX, Maryland and spoke with a Manager ( XXXX XXXX ) whom i have a good relationship with and he informed me he would release my funds and allow me the funds regularly deposited every two weeks according to my pay history and take care of the matter. I expressed that I use my account to provide for myself, wife, and XXXX children but am unable to because I currently have no money to draw from. I am under the impression that no one cares about my financial hardship ; I sensed a nonchalant attitude from each member with no sense of time and understanding of my urgent situation. I have been banking with the company for 10 years where I was able to build an outstanding relationship therein up until this point and am furthermore surprised at the outcome thus far. I have nothing to show for my valued hard work deposited and am completely uninformed as to why or what is going on- this is unfair and I deserve answers.
Consumer complaint received 2021-10-09
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)

On XX/XX/2021, I disputed XXXX XXXX XXXX account on my consumer report via XXXX as inaccurate. The account showed a balance of {$15000.00} and highest balance of {$15000.00} and listed XXXX XXXX XXXX as the creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. 
On XX/XX/2021, I contacted XXXX and on XXXX, I contacted XXXX and Equifax via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021, I submitted a complaint via CFPB website. On XX/XX/2021 I contacted Exeter Finance LLC via telephone and asked representative XXXX for a copy of my contact and a payoff quote to be sent to me via email. Mr. XXXX transferred me to Ms. XXXX and I asked for the same, a copy of my contract and a payoff quote to be emailed to me. Ms. XXXX stated it would come from a different department in about 24 hours via the email address I provided and confirmed the payoff quote is {$15000.00} and that it had to be paid by XX/XX/2021. As of today, XX/XX/2021, XXXX XXXX XXXX account is still being furnished on my consumer reports via XXXX, XXXX, and Equifax. I, XXXX XXXX XXXX, never gave XXXX XXXX XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am enclosing a complete file of materials that I have submitted to Bank America regarding dresses that I bought the fabric for and had a tailor to make them at a cost of almost {$500.00}. Unfortunately, none of the dresses fit.. They are too tight across the bustline and the zippers do not work. Bank America has decided that I have not submitted sufficient information for them to make a decision regarding the fact that XXXX XXXX did not provide the services that I requested.
Consumer complaint received 2016-05-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear CFPB. 
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. XXXX XXXX
Consumer complaint received 2020-09-01
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

After XXXX XXXX transferred my loan to Navient, WITHOUT MY PERMISSION, Navient has not allowed me to access my account. I 'm locked out and there is NO HUMAN CONTACT OPTION AVAILABLE BY PHONE! I can not unlock my account at all. 

Navient needs to return my loan to XXXX XXXX and be barred from XXXX Loans if they are not going to let people access their accounts. I did not give them permission to lock my account, making what they did a CRIMINAL HACK. 

Please get Navient out of the business and send my loan back to XXXX XXXX! 

If you do n't remove my account from Navient and send it back to XXXX XXXX, I have NO WAY to interact with them, meaning that ALL of my loans through them should be nullified completely. Heck, they should have been forgiven because I was a teacher in a at-risk, inner city school for more than a decade but that program excluded me because my loans were too old. 

PLEASE GET RID OF NAVIENT!
Consumer complaint received 2015-08-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC. (NJ)

I have been a banking customer with Ally for several years. Recently I got an alert that there was XXXX overdraft fees charged to my account. I chatted in only to receive rude customer service with no solution. I was told in chat ( record available ) that I would not be charged any more fees due to the account being fixed. To my surprise a XXXX fee was now charged with no regard. Contacted Ally again ... .No help at all. I am not sure what has changed with Ally but refusing to opt out of overdraft clearly shows that Ally is trying to hide something.
Consumer complaint received 2022-09-06
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: AMERICAN EXPRESS COMPANY (CA)

Dear Sir or Madam : Identity theft has happened to me, and my personal financial information has been used without my permission or knowledge to get credit, products, or services on the account above. I want you to get in touch with me and tell me that I am no longer responsible for this debt and that the credit bureaus and collection agencies should know this. Thank you ahead of time for giving this issue some thought.
Consumer complaint received 2019-02-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In Transunion 's response to my CFPB complaint ( # XXXX ), Transunion claims to send a response to my disputes to an address where I no longer live, dated XX/XX/XXXX. Transunion further claims to have sent a request for verification of my current address XX/XX/XXXX. None of this makes sense in that I included a current utility bill, drivers license, and SSN card in my original dispute dated XX/XX/XXXX ( see enclosed ). This provides fulfillment of Transunion 's requirements to update my demographic info and process my dispute. 

It is odd that all 3 credit bureaus would've for various reasons fail to respond to disputes in concert. Transunion failed to respond after being provided with all the information necessary to process my disputes, in violation of FCRA rules.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One has ran my credit several times without my permission which has affected my credit due to the inquiry. I have at no time applied for or had an account with Capital One. I have written them on several occasions stating this and requesting removal of the inquiry yet they refuse to remove it and each time send me back an automated response about them having access to my credit file for promotional purposes. Well that is a lie because I have restricted and opted out of all credit card screenings. This is my last attempt for Capital One to remove the inquiries before I have to seek further action.
Consumer complaint received 2015-10-19
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (VT)

I sent money by western union to a person XXXX to adopt a XXXX XXXX puppy then got hit up for insurance, a new crate, then the deliverey person got robbed and needed even more money. I was scammed bad. I want other people to be aware of this. I sent XXXX of my hard earned money for nothing.
Consumer complaint received 2019-02-26
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. (PA)

My Identity was stolen in XXXX, and since then I have been through an uphill battle with getting these fraudulent accounts removed from my credit. I hired an attorney, I have notified the Pennsylvania XXXX police where incident occurred, and I had reported every incident to the Federal Trade Commission. Both XXXX and XXXX has been very supportive about this situation. However, Equifax had removed some of the newer accounts that posted, except one. That account is XXXX XXXX, below : XXXX XXXX, XXXX Account Number- XXXX Account Balance- {$2400.00} Date Opened- XX/XX/XXXX I disputed this account 3 times with them totaling 4 months, and they conclude their investigation stating that I own the account ( 3 times ). This is a fraudulent account, and they refuse to remove it which is a violation of section 607 ( b ) and 605 ( B ) of the Fair Credit Reporting Act. They did not provide any proof to me, and they do not have any claim or reason under 15 U.S.C. 1681c-2. I will soon be forced to bring my own civil action against this company if it can not be resolved.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

After re-reviewing an account transaction document received from Bayview Loan Servicing LLC XX/XX/XXXX earlier today, I found a charge of $ XXXX from the servicer applied to my account in in XXXX XXXX for a FORCED PLACED homeowners insurance premium despite having full coverage at the time. Upon further review of the document listing transactions from XXXX XXXX - XXXX XXXX, there appears to be no reversal/credit of that charge. 

I own a condominium XXXX Massachusetts XXXX and the master policy at the time was in place from XXXX XXXX and ran through XXXX XXXX. The certificate was submitted to Bayview Loan Servicing LLC in XXXX XXXX within three weeks of being requested by them for proof of insurance. The premium however, was charged to my mortgage account two full months BEFORE receiving any notice and while the policy was in place and in good standing. Nor was I ever advised in writing or at any time during the phone conversation confirming receipt of the policy certificate of having a forced-placed policy or any charges.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (OK)

I went and took out a loan with world accptance in XXXX ok. I took out insurance incase anything happen to the security i use to secure the note. about 6 months after i took the loan out i was in a flood and submitted pics and everything of the lost computer and electronics. they told me it would be handle in 30 days and the note should be paid off. 4 months pass and some random lady came to my house saying i owe them XXXX dollars. She remember me and said she did not know why the insurance didnt pay yet. so i call them and they said the branch manager didnt turn my stuff in and they change branch mangement right before this they did not have any supporting evdeince to file my claim
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My wife 's identity was stolen. As part of dealing with that I reported a " fraud alert '' to the credit agencies. Capital One Auto Finance then reported possible fraud on my account. This was after I had paid off the auto loan within two weeks after the loan was taken out. This has been corrected by Capital One Auto Finance. I have had a Capital One credit card for 10 years ( me personally, not joint with my wife ). They then sent me a letter stating that the new chip card they were sending me had " come back to them '' and that there was likely fraud at play. I had never reported any fraud to them on this card nor had they identified to me the particulars of fraudulent activity. They sent me paperwork to fill out about this so called fraud, which I returned to them immediately, stating I was not aware of any fraud. They then cancelled my card and I am no longer able to log in to my account. This was a major inconvenience because I use this card for automatic payments and since I go paperless, and I could not log into my account to see which vendors I would need to notify. Most troubling is that my REWARDS that I have accumulated are no longer available to me. I have called my " fraud contact '' at Capital One many times with never a call back or a letter. It 's fine that they no longer want me as a customer, but they are stealing my REWARDS from me. I have excellent credit, there is no documented fraud on my account and I feel I am being severley mistreated by Capital One. Thank you for your help.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica (TX)

Comerica bank handles the Social Securities cards. A XXXX lady lost her card so we went in the bank to get a replacement. The banker there convinced her that it would be better if she got a bank card with no fees in case the card was lost again. So the bank took her last {$80.00} ( may have been {$100.00} ) to open her no fees account. What the bank failed to inform her was that the account was no fees after Social Security confirmed the switch and moved the money into her account. They later confirm after they had fee 'd her account to a - {$40.00} was that it would take SS 120 to 160 days to transfer and she would get bank fees till that date. So they took the last bit of money from a XXXX lady then fee'ed that money away till she owed them {$40.00} and they turned her into the credit companies to hurt her credit. This bank should no be handling SS accounts when they have intent to steal those customers and tricked and lied to her. This is robbery and fraud.
Consumer complaint received 2016-08-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Pinnacle Credit Services, LLC (TX)

I am filing this complaint against Pinnacle Credit Services , LLC. This is the first letter I have ever received stating I owe XXXX ( South Dakota ), XXXX {$27000.00}. I have never received a loan of any sort from XXXX. I do not know what it is for, unless it is security fraud. Please check into this for me, because I am not sure what it is about. The reference no. is XXXX, and there phone number is XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (NC)

Received a third call today and my husband received a call stating $ XXXX is owed to US Bank and that I would be served if I did not pay within 5 days. I have never had an account with US Bank, and US Bank has verified such. The contact info was given as : XXXX and/or XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX. A new screenshot of the voicemail message from today has been added to the email received last week and is attached below.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC (MD)

In XXXX, I hired Lexington Law to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a XXXX Citizen Retired XXXX XXXX but living in the XXXX for the XXXX so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why 3 ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that XXXX is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but XXXX continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired Lexington Law and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

This was a pre-paid phone account.. I terminated it via the company website and now they say I owe two additional months and have turned me over to a collection agency which continues to harass my XXXX year old mother. I have disputed the debt in writing and informed them not to call my Mother 's residence again and even them my business number!
Consumer complaint received 2020-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Ive recently gone into a Chase banking center in XXXX, GA to begin applying for a HELOC. They told me they are not accepting/processing HELOCs. It is a product they are currently not offering. 

This information is also available on their website : XXXX XXXX XXXX According to the Federal Reserve , this is unheard of. The Fed is saying there is no concern for regulated banks to provide secured loans at this time, especially HELOCs which is backed by the amount of equity in the property. 

Being the largest bank in the US why is Chase taking this stance and is it legal. The Federal Reserve is unaware of any bank taking this action, especially Chase.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P. (OH)

Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me.
Consumer complaint received 2020-06-01
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: JPMORGAN CHASE & CO. (MI)

On XX/XX/2020 we charged {$170.00} with a company called " XXXX XXXX '' for an activity we were going to participate during a trip to Hawaii. While on our trip, the company cancelled the activity. We were told that we would receive a refund. About two weeks later, when there was no refund, we called the company XXXX XXXX and we were then told they would give us a " due bill '' to use in the future. We will not ever be in Hawaii again - so there is no way to use this " due bill ''. We contacted Chase, our credit card company, and opened a dispute. On XX/XX/2020 we received a letter from Chase stating they were siding with the company XXXX XXXX. When we called Chase and spoke to a manager he said the dispute was closed that Chase felt this was an acceptable situation that we get a " due bill ''.
Consumer complaint received 2017-02-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JDJ Investments, INC. (LA)

Company has stated to myself and CFPB that they would remove negative info from my credit file according to Case number : XXXX negative info still remains on my XXXX report for {$420.00} and {$140.00}. I ask that these are both removed from my XXXX report as they said they would do. These collections are preventing my husband and myself from obtaining a good report and keeping us from being able to purchase a home. Thank you