davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Standard 30 yr morgage, never missed a payment, escrow attached to mortgage. 

XX/XX/2021 - Received letter from a XXXX XXXX about our unpaid school taxes. 
XXXX : XXXX XX/XX/2021 - Notify Citizen Bank via phone call about the missed tax payment ( https : //www.citizensbank.com ) *Per Citizen tax payed from escrow account *Per Citizen payment is filed through a 3rd party provider *Per County tax office taxes NOT payed XX/XX/2021 - XX/XX/2021 XXXXCall citirzen bank 20+ times ( 1-2 times a week ) trying to give this issue resolved XX/XX/2021 - XXXX XXXX Notified us they would put a lean on the house XX/XX/2021 - We wrote a personal check to pay the taxes. This action was taken after we called citizen and they told us to pay the balance due of $ XXXX+ in taxes to avoid the lean. 
XX/XX/2021 - Citizen will not refund us the $ for our personal check until the issue is fixed after telling us to pay the balance.

We have tried to fix this issue for 4+ months and have called them over 20 times. They have not done anything refuse to refund us our money. They have now lost or stolen $ XXXX+ from us.

How can they not be held accountable for fixing a accounting error they made. I just want my money back and to switch to any lender but them. Never do business with Citizen Bank.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

We are trying to payoff a mortgage with Cross Country Mortgage and have been trying to do so for an entire month. The interest rate is very high. The mortgagee was my husband and he passed away. We have the new company who are ready to pay the mortgage off. The mortgage has a second loan which was created during the pandemic of XXXX. The new mortgage company has requested that Cross Country send the modification agreement to clarify the XXXX. Cross Country has stalled this process causing another payoff statement to be requested. We pay this company religiously and the rate were now paying is 6.5 % z We have a much lower rate secured. Our new lender has tried everything to get this information and so have we. This causes us to remain in loan with a very high rate. Please help us to get out of this high rate mortgage. While this is occurring, the payments are still being made. My income is minimal and I need relief from this loan.
Consumer complaint received 2022-04-07
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: AUTOMOTIVE CREDIT CORPORATION (PA)

The response given is based of recent events. Authorization was recently given however in XXXX, XXXX and XXXX they would not speack to XXXX XXXX with out my ok. I couldnt give an ok cause I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even on the phone call today on XX/XX/22 the representative would only let XXXX talk about one of the 3 accounts since she wasnt listed in the other 2.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America has been holding a significant amount of my money since early in XXXX. The amount currently sits at {$97000.00}. 
They blocked access to my accounts and I have not been able to move it since. 
I have a credit balance on one of my credit cards with them and they have not sent me my money. Specifically I have called into their call centers over a dozen times ( likely more ). I even at one point spoke with someone from their executive office who never got back to me and didn't send me my money. 
Regardless of what was said or not said they still have never given me my money. 
I have given my bank information multiple times to various reps ( So that they could send me the money via a wire ) and also confirmed my physical address for the reps that told me they would mail me my check. None of them ever sent me the money. 
In addition to these phone calls I also sent a registered letter on XX/XX/2021 asking for my money to be sent via a check. They have not responded to that letter either. 
I have proof and documentation on all of this and can answer any further questions that you may have. I have included only one of the chats in which someone told me that someone would get back to me about my money back on XXXX and they never did. They also confirm that I did give the information about my bank account so that they could wire me the money. Also enclosed are the closure letters for my BOA accounts that showed up one day without a phone call or anything else from BOA. I have also enclosed the USPS information which includes the receipt for the certified letter along with the tracking information USPS provides you when sending a registered letter.
Consumer complaint received 2021-05-24
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: Paypal Holdings, Inc (IN)

I reported the card stolen in XXXX when I saw purchases at stores I never went to. Paypal issued a new card but holding me responsible for purchases made with that card & purchases from a card I reported stolen. XXXX through XXXX Ive called Paypal direct, chatted online & disputed XXXX transactions through XXXX Resolution Department totalling over {$2900.00}. Every case/dispute I filed Paypal closed my case in favor of the customer & refunded the customer twice. I filed a police report against the customer for identity theft & fraud but Paypal is holding me responsible for a card that was stolen & charges at stores I never completed. As of today my account cant be accessed by me & in collections despite everything & all my efforts
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am very frustrated at Bank of America for the way that they have decided to terminate my longstanding credit accounts with excellent payment history. 

I opened up my first Bank of America credit card in College in the early 2000 's, and I manage this account for almost 20 years and built a credit limit of 20K+ with bank of america . Eventually I even opened up another credit card with Bank of America and also enjoyed my relationship with Bank of America. 

This summer, I had an unfortunate incident that compromised my bank account, which caused the automatic drafts scheduled with Bank of America to be returned. I did not become aware of this until the Bank of America account was over 30 days past due, and only when I saw the late pay report on my credit report. I immediately rectified the issue, paid the account off and felt terrible. The fraud that I was experiencing really took a toll on my time and resources that I spent months trying to control the fraud from getting worse. 

Plus, I had recently paid this account off IN FULL, and so I did not believe or have any reason to think I needed to worry about Bank of America since my balance was XXXX. This is what is really irritating, as somehow Bank of America calculated that I owed them {$1.00}, and tried to charge my account for that month. This payment was returned, so bank of america began to assess " return payment '' fees and late fees, this building this balance up to $ 100+ dollars. Then to add insult to injury, they reported me late on my credit report. I am shocked that they think this is OK, as it is an egregious case of abusive and deceptive consumer practices I have ever seen. 

I informed Bank of America on several occasions that I was a victim of Bank Fraud and was experiencing issues. They assured me that my account would be OK since I quickly paid them. Well, sadly, they lied. They closed my long standing 20k+ credit line, and reduced the credit limit on my second credit card, and then later closed that account as well. 

I urge Bank of America, look at the rest of my credit card accounts on my credit report, they all have an excellent payment history. I have never had an incident of this nature and I have never been late in over 25 years of managing my personal credit. This was truly a one off event, and the knee jerk reaction of Bank of America to close my account after such a long term history with them is extremely unfair, unjust, and frankly something that I question if my name did not give away my ethnicity if Bank of America would have treated this differently.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

In XXXX I got help with my credit report. Some disputes with made on my XXXX student loan accounts. I called all the credit reporting agencies in XX/XX/XXXX to have the remarks removed from those accounts because I was not disputing them. All of them with the exception of Equifax removed them. I am purchasing a home and my closing date is this coming Friday XX/XX/XXXX. However, I received notification that my credit report had some false information on it and I needed to have it resolved before we go to closing. So on XX/XX/XXXX I called Equifax to once again have the dispute remarks removed from my account and they gave me the hardest time. I was told that they removed them and that it would take a couple of days to reflect on my report. I waited a few more days and my agent did a soft pull and the remarks were still on my report. I called Equifax again on Friday XXXX XXXX 4-6 times and I spoke to several people from XXXX until XXXXXXXX XXXX I was able to speak with a supervisor named XXXX from their Office of Consumer Affairs department. His employee ID is XXXX and the reference number is XXXX. Upon speaking with him he assured me that the problem and been rectified and that it would reflect immediately on my credit report. I then purchased the myequifax product to be able to obtain my report. Come to find out the installment accounts were not listed at So I called Equifax again on XX/XX/XXXX at XXXXXXXX XXXX to find out that my student loans accounts were being reported as closed and the comments states that my student loans are being paid through a financial counseling plan. That information is completely false I have never used a agency to to pay off any debt at all. After an exhausting two more days of speaking to several representatives and no one was able to fix this problem. They are blaming XXXX for reporting this information so I called XXXX and they state that they have not reported any of the information that is on my Equifax report that the info is false and incorrect. XXXX sent me several letters stating that my account is in good standing and my next scheduled payment date. They have also submitted two letters to Equifax asking them to remove the info that they are reporting as it is false. This Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX I had the worst ever experience with Equifax 's manager XXXX who would not supply me with his employee Id number or a supervisors name. At this point I am going to be homeless because I will not be able to close on my house this Friday due to the false and misleading information reported on my Equifax report the other two agencies have supplied the correct information. This is very upsetting and I hope that someone will address this as expeditiously as possible. My family and I are about to be homeless because of bad reporting and mistakes from Equifax.
Consumer complaint received 2021-05-27
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. (CA)

I have 6 accounts showing on my credit report that do not belong to me in any way shape or form I need these accounts off my credit since I have not approved, opened or used these accounts!!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-27
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. (CA)

I have 6 accounts showing on my credit report that do not belong to me in any way shape or form I need these accounts off my credit since I have not approved, opened or used these accounts!!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IN)

I have been depositing and trading crypto at XXXX and several months now, Today I find I can not trade nor can I withdraw any of my money from them, not sure what can be done? their customer service is a joke and all they do is repeat canned info back at you instead of really giving you answers to your problems
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has now sent me a letter dated XX/XX/2020 stating my accounts available balance was Not enough to cover at least one transaction. We have either paid the item or returned it to the payee : {$30000.00} withdrawl and withdrawn my account {$27000.00}. XXXX XXXX ( manager ) at XXXX XXXX issued new a cashiers check to close this account, then on the following Monday asked me to come back in and write a personal check out of my NEW bank To cover her cashiers check that she had issued, I kid you not. Now I get the letter from Chase that I had written a check to Withdraw to overdraw my account. This branch as well, just told me today that they will not accept my Social Security direct deposit for XXXX, even though they told me my account would be open for 45 days. They have created a nightmare for me and they know that that was initial intention.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Updated : XX/XX/2016 XXXX XXXX XXXX XXXX  Date Updated : XX/XX/2016
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-17
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. (MI)

I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, Transunion and XXXX as soon as possible as this has been going on for too long.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hi CFPB, I have my current mortgage of my primary residence with Citizen 's bank. My original loan was with XXXX XXXX Mortgage XXXX and the loan was later bought by Citizen 's Bank. In XX/XX/2021, I got an email from Citizen 's bank saying I am eligible for lower interest rate if I refinance the current loan. As the letter was genuine and from the bank where my current loan is, I contacted a loan XXXX whose contact information was on the letter. She initiated the refinance process by initiating credit check and requested for all my documents ( recent pay checks, immigration documents, my investment property mortgage information, home insurance information, bank statements etc. ). I mentioned to them from the very beginning to let me know if there are any pre-conditions that I need to be aware of for successful execution of this refinance process. Regardless, bank started asking me to do few things for me to be able to get the better interest rate. To emphasize, these conditions are not the letter they sent me and they didn't tell me all conditions at one. Below are the conditions they asked me to fulfil one after one : 1 ) Open a checking account with Citizens and have a monthly deposit- I complied 2 ) Pay my current loan with Citizens Bank with the checking account opened at Citizens- I compiled 3 ) Include home insurance in escrow - I refused as I currently pay by myself and not from escrow. I escalated to this with the bank and agreed they will drop this condition 4 ) Paid for house XXXX and spent lot time sending and resending the requested documents After all this and XXXX  months after the process started, I am now being told that I do not have XXXX XXXX  and can't move forward my application. I am on legal visa ( XXXX ) and my previous re-finances with other bank didn't deny my loan due to my XXXX status. 

I feel that this is marketing strategy where they made me open checking account with them, waited for 6 months and now saying my re-finance application didn't meet their conditions. I request XXXX to look into Citizens ' bank practices. 

Thank you for all you do Concerned Individual
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (CA)

Hello I was checking my credit report and I noticed a collection account which I attached a copy of below XX/XX/2021 I did not open any such account I don't even know what this is I disputed it on XXXX XXXX  they gave me a result that it was verified which is impossible again I've had no communication from this company again I don't even know who they are or what this is and I did not open that account XX/XX/2021 SPRING OAKS CAPITAL LLC Last reported XX/XX/2021 {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Original creditor name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax is reporting a dismissed bk that I have already sent an FTC report previously and said it had been verified I contact the bankruptcy court they said they dont report to credit bureaus which I attached a letter so I dont know where Equifax got this information from. They are in violation of placing inaccuracies on my consumer report and have cause a lot of damage and distress.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (WI)

There are several accounts that were opened in my name while i was incarcerated and when released i went to a lawyer who advised me to file bankruptcy and that would fix the problem which it only made things worse on trying to move on with a good and normal life Ive contacted the consumers several times explaining that these account were opened with addresses that I never lived at and that is the case of identity theft at the time I was released I put a fraud alert on my file and that seemed to help and once that was removed and a few years later I have another case of identity theft coming from applying for a loan on line and that caused my bank accounts to be breached and it put my account at a - XXXX dollars so Im hoping with this report this can clean the problems of fraud done under my name with several accounts closed on my reports and all the inquiries done without my consent. Accounts as Best Buy and inquiries, XXXX XXXX  cards, Macy 's, XXXX, XXXX XXXX with account and several inquiries. XXXX, XXXX XXXX, with inquiries, XXXX  XXXX, XXXX , XXXX , XXXX Auto that was paid off in full by my insurance, And 17 inquiries done under XXXX.