davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ResidentCollect, Inc. (CA)

I called and reported that the debt was included in a bankruptcy and was not collectible by this collection agency. I volunteerly moved out of the apartment before eviction due to non payment of rent when I filed for bankruptcy. I was in the hospital for an extended period of time and not collecting a paycheck which is why we moved. I sent the bk paperwork and the notice of departure due to inability to pay rent and they refuse to remove the collection. As part of the bankruptcy I moved out and the apartment was closing my file without just the deposit fee and they were not going to charge lawyer fees they just closed my account and balances it to zero. So there should not be a collection at all from the company or the original creditor.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am a XXXX employee and have been furloughed many of times in which I notified XXXX and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Through the process of trying to locate an apartment, it has come to my attention that the individual I was interacting with was fraudulently impersonating a tenant of said apartment. Through his impersonation, he informed me that I must send a total of {$2200.00} through XXXX to the building 's property management upon the approval of my rental application. In attachment to the lease agreement he had sent me, he informed me that I must send {$1100.00} as the security deposit ( on XX/XX/21 ) to secure the apartment in my name. He then required an additional {$1100.00} for first month 's rent ( on XX/XX/21 ) as this was what our lease agreement stated. On Saturday evening, XX/XX/21 : upon arriving in the building 's neighborhood for an appointment confirmation, and receiving no responses from this individual, I began to suspect that this was a fraudulent interaction. I called my bank, JP Morgan Chase Bank, and filed a claim with a specialist immediately upon returning home that evening. These transactions ( {$1100.00} sent on XX/XX/21 and {$1100.00} sent on XX/XX/21 ) have now been confirmed by the building 's leasing office to be fraudulent, after speaking with the leasing office directly on XX/XX/21. I now have officially discovered that these transactions were sent to individuals unrelated to the building 's leasing office and property managers. I have been instructed to file a police report for identity theft, phone scams, and theft related to a personal bank account. I have also officially filed a report with the Federal Trade Commission. I have reached out to the claims department at Chase to provide them with my FTC report, as I was originally instructed ( on XX/XX/21 ) that any government report would further help my claim, but on XX/XX/21, Chase has informed me that there would be no recovery of these funds ( regardless of providing any/all government reports of theft and fraud ). I have spoken to both a specialist as well as a supervisor, and both have been extremely unhelpful in assisting my claim further. The information they provided to me also does not align with the information that was provided to me on XX/XX/21, in the claims department, regarding government reports and their relevance to my claim.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On the evening of XX/XX/XXXX, I purchased an item online using PayPal as means of payment. This is the first time I have ever used PayPal account. On XX/XX/XXXX, PayPal transferred {$39.00} from my bank account then immediately sent me an email stating there was unusual activity on my account and immediately locked me out of my PayPal account. All efforts to resolve the issue have been futile. My attempts to call PayPal regarding the problem have been futile. I have sent numerous emails to PayPal trying to resolve the issue and demanding a refund back to the same bank account they withdrew the money from. I keep getting messages about unusual activity on my account and to login to my account but it is impossible to login. I wrote to PayPal through regular mail on XX/XX/XXXX requesting a refund and for some one to contact me. PayPal has ignored my requests for a refund or any effort to a resolution.
Consumer complaint received 2020-07-13
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. (MD)

We respectfully ask the CFPB to intervene and prevent Chase Card Member Services from charging us for services we never received. 

Our Chase Sapphire Reserve Credit Card was charged {$1900.00} on XX/XX/20 by XXXX XXXX XXXX XXXX for two XX/XX/20 flights which were cancelled by the airline due to Covid virus. We ended up being evacuated from XXXX to the US a week later for nearly twice the cost. 

We asserted our Cardholder rights three months ago and appealed to Chase Cardmember Serices following their dispute process to refund the charges on our card for flights never provided. 

Chase has tried to close out our complaint twice. On XX/XX/20 " XXXX   XXXX '' of Chase contacted us to close our dispute because the charge " took place too long ago ''. We filed our complaint with Chase just three months ago after XXXX refused to refund our money. We will appeal again but need your help. 

We are senior citizens on fixed incomes and respectfully request a refund for two flights which never took off. We have several credit cards with Chase, pay on time, and have a very good credit rating. We just want Chase to do the right thing and not charge us for services which were never rendered. 

XXXX XXXX XXXX offered us useless vouchers for future flights but refuses to refund our payment. We need a refund and can not use vouchers. XXXX XXXX XXXX  is a lot of money to us and our family. 

We have filed a formal complaint against the airline with the US Department of Transportation because their enforcement notices require prompt refunds for cancelled flights by international carriers. We are waiting for the outcome of that dispute. 

CFPB : Please help us. We don't know where else to turn. XXXX XXXX XXXX  is a lot of money to us. 




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Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (CA)

( 1 ) Past transactions with XXXX using XXXX reporting party 's creditor profile were not completely refunded when all items were returned ; and ( 2 ) Citibank allows third party thief to enter and break into home to steal financial statements and copies of card to not allow entry into online banking to review and manage financial information aside from resolve vendor disputes that reporting party believes are created to highlight the bad faith dealing that involves unauthorized third party thieves.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for help.
Consumer complaint received 2020-07-13
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: DISCOVER BANK (NY)

I bought XXXX XXXX  tickets in XXXX for my family to fly to XXXX. We were charged {$990.00}. I disputed the charges as we were restricted by NYS to fly to XXXX in late XXXX XXXX XXXX and XXXX was closed. We received our money back from every vendor except XXXX. I disputed the charges with discover and my account at the time had a {$0.00} balance. Discover immediately issued a temporary credit for the full disputed amount ( {$990.00} ). My account then had a negative balance for - {$990.00} and Discover never received any information or documents from XXXX showing that the charges were valid or approved by me or any services rendered. They initially ruled in XXXX 's favor ( without receiving any documents from XXXX ) and charged the money back to my account bringing the balance to {$0.00}. However, they also sent me a check for {$990.00} and before I cashed the check, they immediately applied another charge to my account for {$990.00}. I then called back and asked to talk to a supervisors supervisor. No one every called me back. I would call in numerous times and ask for multiple call backs and have never received one. I also uploaded supporting documentation about XXXX 's voucher policy and that my voucher balance didn't add up to the original purchase amount. A woman from Discover credited me {$180.00} and told me she would look into refunding me the remaining balance. She never called me back and when I called discover back to explain what happened they told me I needed to provide more documentation for my dispute. However, at this point, Discover still never reached out or heard anything from XXXX. When I told them I was never asked for this information previously and the representative told me she was looking into getting me my money back, they just acted as if that call never happened and when I asked them to pull those call records they refused. I was then told and guaranteed by a representative in the fraud department that if I claimed the charges were fraud that Discover guaranteed multiple times I would receive all my money back. After I submitted the fraud claim, discover refunded me additional money so my balance was around {$600.00} on the account down from the original {$990.00}. I kept calling to see when the remaining balance would be refunded and I was told it would take 10 days. I would consistently call and ask for a manager to call me back and no one would ever call. Now my balance, which originally started at {$0.00}, has no grown to {$1500.00}. I haven't made any additional purchases on this account during this entire process, except one charge for {$0.00} for my XXXX data storage. This is fraud for a company to add an additional balance to my account.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

Hi XXXX informed me that they will not delete the fees of {$990.00}. It is not interest or principal. It is a fee that Chase had on it books for a foreclosure case that was dismissed .see attached. IF it was dismissed they are not entitled to any fees because the loan documents Chase can only collect fees if they were the prevailing party. Chase sold the loan to XXXX. For many years Chase never collected this fee. The statute of limitations to collect his fee has expired. Moreover, the attorney for Chase AT THAT TIME WAS CONVICTED FOR FRAUD. YO CAN XXXX XXXX XXXX XXXX .his FEES WERE OUTRAGEOUS. Neither XXXX  OR cHASE CAN PROVE WHY THEY are entitled to to the {$990.00}. 
Please help!!! 
Thank you. 
XXXX XXXX CELL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- MAILING ADDRESS XXXX NY XXXX
Consumer complaint received 2021-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Back in XX/XX/2020, 5/3rd Bank told me that they would refinance my home at 2.5 % for 15 years. They had me pay a {$390.00} loan application fee and said that we would close by XX/XX/2020. They had me give them tax returns, w-2 's bank statements, and every other document that they could think of which I complied. In XXXX, I started calling to see what was going on with my refinance and the loan person kept saying that they are still busy, but they need more docs. Once again I gave them what they requested and have been doing so for the past 4 months. We are now approaching XXXX, I still do not have a closing date. Today, a different person started asking for more nonsense documents. They also had me deposit a large sum with their bank to qualify for this loan, that money has been sitting idle earning almost nothing for the past 7 months. 

No one should ever be led down this time wasting path, let alone be forced to give so much sensitive data without any accountability from this large bank. Fifth third has a horrible loan system and people that just do not care about their customers!!!
Consumer complaint received 2019-05-16
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. (NC)

XXXX  XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

Someone hacked my account. They deposited a {$9500.00} fraudulent mobile deposit & then issued 3 wire transfers on the same day for the fraudulent amount deposited. 

Whenever I deposit a check, it usually takes one week to clear. This happened with a {$300.00} check that was recently deposited into that account.

Citibank allowed the mobile check to be credited to my account that same day & allowed the 3 wire transfers to go out the same day.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and Land Home Financial Services that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX XXXX case # XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; Legal Aid repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : Land Home Financial Services ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through Legal Aid from Land Home dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess Legal Aid is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to Land Home FS the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (IN)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. 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 2021-07-13
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: DISCOVER BANK (NY)

I have tried to reach out to Discover several times about them reporting something on my personal credit without my permission or authorization. They have ignored me and said they will reach out to me several times but has not taken any action.
Consumer complaint received 2022-08-25
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. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

Back in XXXX, I was working with a gentleman by the name of XXXX XXXX from Wells Fargo while looking for houses. He told me I was pre-approved for a USDA loan of up to {$100000.00}. I found a house for well under that ( {$64000.00} ) In XXXX and began the process of applying for a mortgage. The closing date was set for XXXX. I had signed a loan estimate stating I was going to need about {$4500.00} for closing costs the end of XXXX. The amount of money I was going to need to close kept changing per XXXX and XXXX. One minute I would need {$4500.00}, the next it was {$6000.00}, then it was {$7000.00}. This continued to happen even after I signed the Loan Estimate. They all promised I would not need the entire amount, but I was to have it handy " just in case ''. I had decided to get a second opinion from another mortgage company. The gentleman there looked at my estimate and noticed quite a few unnecessary charges that were tacked on in random areas. He also noticed it was not a USDA loan, like my pre-approval letter stated. This estimate was for an FHA loan, which is why my closing costs were suddenly going to come out of my pocket. Unfortunately he was unable to help with getting me a mortgage because he would need to delay the closing date. Since the house I had wanted was a bank-owned home, delaying the closing date would cost me {$150.00} a day. Three weeks before my closing date I called XXXX because I had not heard from him or the Mortgage Consultant ( XXXX ) in two weeks to see the status. XXXX had told me he had quit over a heated argument with his boss and was no longer with the company. I was to report to XXXX from now on. XXXX was very hard to reach via phone or email. Once I finally had gotten a hold of her she told me I was STILL not approved for the actual mortgage yet, and the underwriter was requiring me to submit unnecessary paperwork such as my New York State LVT license. Even though I had not been approved for my mortgage yet, they had already ordered for me to pay for the appraisal on the house. XXXX finally called me back on XXXX/XXXX/16, she stated that the underwriter will not accept my mortgage contract unless I have {$11000.00} for closing costs because they will not approve me for the mortgage unless my personal loan of {$3800.00} was paid off in full, which has been on my record for 4 years now, and XXXX was well aware of when I was pre-approved. I do n't understand how the prices of my closing costs kept changing, and how I was even pre-approved in the first place. Since I was two weeks away from closing on this house by now, I was forced to forfeit the home. Being a first time home buyer I have become very nervous about buying my first home and I will not even look at homes from now on because of this experience.