davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

In XX/XX/XXXX, we contacted our mortgage company. Roundpoint Mortgage Servicing to advise them that we have a tax abatement with the purchase of our property which was supposed to take effect as of XX/XX/XXXX however it had not reflected in our payment. The associate told us we needed tax documents from our township which we provided in 2 business days to them and confirmed it was received. We were told at that time that they would do a escrow study and make an adjustment to our payment and we would see the adjustment in our XX/XX/XXXX payment and within two weeks begin processing our refund which at this time was approximately {$5000.00}. Two weeks passed and we did not see any adjustment to our mortgage payment. We called roundpoint a third time and was told that for some reason the escrow study was not yet done but would be done then and finished before our XX/XX/XXXX payment came due. We also asked at that time to speak with a supervisor but was told one was not available but someone would call back. We never received a callback. Two weeks after that, we call again. We ask for a supervisor immediately and were given the run around. In the meantime while waiting for a supervisor, the associate advised us he would expedite the escrow study ( which still was not completed ) and to not make our XX/XX/XXXX payment until it was adjusted to reflect the tax abatement by XX/XX/XXXX, We were also told that someone would call us with the results of the new payment information and results of our escrow overpayment which now is over {$6000.00}. We waited until XX/XX/XXXX and have not heard anything. We contacted Roundpoint again today and spoke to a XXXX who stated that our escrow study was still not completed and asked for a supervisor. We were continually told that one was not available and we have been on hold for almost 3 hours with no resolution. They have still not told us when we would receive our escrow overpayment or make the correct adjustment to our mortgage payment
Consumer complaint received 2021-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC (UT)

Every single day Im getting phone calls from Cedars Bus Svc and I dont know what its for. I pick up the phone and say stop calling and they hang up. They have never left a message saying what its for. I block their number and they call from another location. Every single day, multiple times a day, all over the state!!! 

The latest call was this morning XXXX XXXX XXXX  from XXXX from XXXX XXXX NY XXXX XXXX XXXX  from XXXX, CA XXXX XXXX XXXX XXXX  from XXXX, MD XXXX XXXX XXXX from XXXX, MA XXXX And the list goes on!
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (VA)

This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I called my financial institution ( Chase Bank ) at XXXX several times over a 1 and 1/2 hour time span on Saturday afternoon ( XX/XX/2021 ) to report a fraudulent activity of {$320.00} from my bank account using XXXX as soon as I got off the telephone with the scammer posing as an XXXX  representative from the billing dept. 

I first called Chase customer service on two different occasions and both times I waited closed to 30 minutes while the call was being transferred to the Claims Dept. I called a third time and was given the telephone # XXXX to call Claims directly but each time I called this telephone #, a " telephone banker '' would answered and kept transferring me to the Claim Dept,, which I advised I have been dialing and was not getting the appropriate response but she stated they were working, I called a fourth time to speak to a male supervisor and explained my situation. The manager stated that because it was the weekend, not enough staff is available but stated he was going to transferred the call, yet again to the correct dept. and would stay with me until my call was picked up so I can file my claim, The manager transferred the call and an automatic message prompted the wait time to be 50 minutes. 

In times of urgency, I did not have the opportunity to report and possibly stopped, or at least attempt to prevent my funds from being taken out of my account on a timely manner as Chase Bank 's telephone customer service in the Claims Dept was not available.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC (TX)

I was not notified any any form before business listed derogatory information on my all three credit bureaus as required by law. I notified business and also went through XXXX XXXX XXXX requesting business send proof of notification before placing negative information on my credit report but business has not responded.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/2018 - Received an email stating that open XXXX Money market savings account and deposit total of XXXX by XX/XX/2018 to get XXXX $ bonus ( Attached email stating full terms ) XX/XX/2018 - Opened account and funded with XXXX $ XX/XX/2018 - completed total of XXXX transfer XX/XX/2018 - Contacted CSR from capital one to check the status of bonus, CSR replied that i need to fund within 10 calendar days ( which is nowhere mentioned in the email i received ) and also stated that i need to maintain XXXX for 60 days ( which is mentioned in email as deposit XXXX but not mentioned anything like i need to maintain XXXX ). I wanted to verify the terms i received so i disconnected by stating that i will call back XX/XX/2018 - Contacted again and CSR was saying contradictory information stating that cumulative XXXX is ok but need to deposit everything within 10 calendar days, which again not in the email.
Consumer complaint received 2019-03-12
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. (OH)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am  in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB XXXX.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (OH)

I had my Comerica debit card stolen and unauthorized transactions showed up on my account. I opened a dispute with Comerica. They provided provisional credit for {$3000.00}. Well, I received a letter from them today that my claim has been denied. Their reason? Because the Authentic Chip-Read Card and PIN were used in the transactions. No, kidding??? You mean the thief that stole my debit card also stole the chip inside the debit card? Wow! Now, I have no idea how they got my PIN number. My guess is that they saw me punch it in. Regardless of how they got it, they got it. I explained all of this when I opened the dispute claim and they were happy to investigate only to come back and deny the claim based on the exact same reasons I filed the claim in the first place. Their other reason for denying my claim is that there were no failed PIN attempts. Someone please explain to me what that has to do with anything! So their whole investigation concluded that my debit card was used so were just going to assume it was you.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-03-02
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: Experian Information Solutions Inc. (MS)

I have been sending disputes to Experian every 35-40 days since XX/XX/XXXX and on multiple occasions the results where received after 30 days or not received at all until XX/XX/XXXX when it was submitted and results where given in less than 4 hours which tells me that the did not even investigate the disputes at all. I even sent letters for verification of method used to investigate and haven't received any response either.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Money was withdrawn from my account in California to the total of XXXX dollars. This has been going on for over a month. I have a police report,signed all affidavits. For over a month all I hear is 5 days , 5 days. They are not being truthful. And very dishonest. Some  guy went into a bank in California and withdrawn my money and then proceeded to withdraw my money electronically 3 more times.i really need my money back Mr. XXXX XXXX  in the XXXX  NY branch hasn't been able to get the money back in my account
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX did a pull on my credit profile XX/XX/2023 XXXX XXXX also did pull on my credit prolife I did not request nor did I give permission for this company to obtain any of my personal, and do not give permission for the reporting of my personal information.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MA)

HAPPY XXXX AND HOLIDAYS! Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments remarks on the last few months for XXXX and XX/XX/2020 for 30 and 60 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Consumer complaint received 2019-03-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (OR)

I borrowed XXXX for school at XXXX XXXX college, and they sent my student loan to collection agency without contacting me. The collection agency, ECMC, now wants XXXX. They are trying to garnish my wages, I am on food stamps and get utility assistance because the cost of living in the city of XXXX is so high. I am already well below the poverty line, this is predatory and unfair practices by ECMC
Consumer complaint received 2021-01-27
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. (NY)

In the month of XXXX, 2018 I disputed via mail certain accounts and inquires that appeared to be errors reported on my credit report. I am a victim of identity theft and I am in desperate need of theses items being reviewed and blocked.
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (AL)

under my credit report it shows negative as XXXX I PAYED XXXX OFF AND IT SHOWS A XXXX BALANCE UNDER MY REPORT BUT IT IS POTENTIALLY NEGATIVE BECAUSE IT SHOWS 2 LATE PAYMENTS BUT HAS A XXXX BALANCE. I HAVE CONTACTED XXXX AND THEY SENT PAPERS IN SHOWING ME OWING A XXXX BALANCE BUT IT DID NOT HELP. THEY HAVE ME CHARGED WHEN ITS SHOWING PAYED OFF AS AGREED. I CONTACTED THEM AND THEY DIDN'T FIX THE ISSUE THEY JUST SAID THAT IT NEEDED TO BE DISCUSSED AND THEY DID NOT FIX THE ISSUE THAT IS AT HAND. IT HAS EXCEDDED THE AMOUNT OF TIME A CREDIT OR CHARGE CARD STAYS ONTO YOUR REPORT IT WAS OPENED IN XX/XX/2014 WHICH HAS EXCEDDED THE 7 YEAR CREDIT MARK FOR IT TO BE ONTO MY ACCOUNT. IT SHOULD HAVE BEEN REMOVED WHEN IT PASTED 7 YEARS ONTO MY REPORT. THEY WANT REMOVE IT NO MATTER WHAT HAPPENS
Consumer complaint received 2021-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

WE have checking account with Capital One on XX/XX/2021 I sold my car to XXXX XXXX for {$2900.00} and deposit the check on Capital One checking account, and on XX/XX/2021 I received email from Capital one that the checking account had unusual activity and I need to contact them I contact them and they told me that they need to talk to XXXX XXXX about the check, I gave Capital one XXXX XXXX telephone number and XXXX XXXX also tried to Call Capital One twice by himself, were put on hold for 1 hour then got hang up my checking account has been frozen since XX/XX/2021, which cause a lot of problems, I can not use my money in the account the {$2900.00} check clear on XX/XX/2021 but my checking account still frozen why do my whole checking account frozen?, seem like the reason for this is because I deposited the check which is good and clear please investigate this matter for us Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

We are an authorized 3rd Party ; We are the Escrow/Title Company that handled the sale, and are responsible for making sure the Release of Lien is filed and done so correctly. 
We issued a payoff to PennyMac on XX/XX/XXXX, to pay off the existing mortgage with them. The home was sold. On XX/XX/XXXX, I began communicating with PennyMac regarding the Release of Lien. The Release was recorded on XX/XX/XXXX, but it was filed under the wrong Document Number. The correct Document Number is XXXX. PennyMac filed the Release under XXXX. I sent PennyMac the fully executed 3rd Party Authorization on XX/XX/XXXX. I have continued to follow up with PennyMac on the following dates-XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The continue to tell me they don't have 3rd Party Authorization. The Release of Lien needs to be corrected and filed under the correct Document Number. The lien is still showing up on title as being open, and is causing a cloud on title.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc. (AZ)

I received a letter stating I owed a past debt to XXXX for {$130.00}. 
# 1 ) We have never been contacted by XXXX of an open unpaid bill # 2 ) Our XXXX account is linked to a credit card so their can not be any open balance owed to XXXX. 
# 3 ) We checked our XXXX account and it has a zero balance and is in good standing. 

This is a fraudulent attempt to collect money hat is not owed nor did they provide any details as to the transaction in question.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bronstein & Weiss Arbitration (TX)

I received a call from someone at a company called XXXX XXXX XXXX. Initially the voice started out as an XXXX accent then went to a recording. The recording stated that I am being served at my place of employment or home that I have 2 hours to get there. Call them back to make an arrangement or we will see you in court. They call came through anonymously and I let it go to voicemail. I do not owe anyone or anybody anything.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stallings Financial Group, Inc. (GA)

I've got a collection debt on my credit report for {$4200.00}. I talked to the collection about this account over and over again. They keep telling me that I'm not in their system anymore because the company that I owed, I paid. I never should of been sent to collection in the first place. I talked to the original company that sent me to collection and they said they made a mistake by sending that to collection so they withdrew it. Now the collection agency that they sent it to keep reporting it. They said I'm not in their system but when I talked to XXXX  to find out why they keep reporting it, they said it's the collection fault. Every time I talk to the collection agency they hang up in my face or is very rude to me I have recorded calls and all. Now they won't even respond to my dispute and just keep reporting on my credit. I'm so frustrated and don't know what else to do. 

I ask them to send me information stating that I don't owe them but they keep telling me they can't because I'm not in there system. I don't get it. You report me every month but I'm not in your system? That don't make sense.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX XXXXXXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NV)

Purchased a prepaid card for my grandson for XXXX. On XXXX XX/XX/2019 he ( XXXX years old ) attempted to purchase an online game for download. His computer did NOT have enough GB for download. I have been attempting to resolve this issue for 2 months now. They want to deal with my XXXX year old grandson, I am the adult, his account is attached to mines, he gets his money from me transferring funds to him. They can see this in the system. However, 2 months later I still don't have my money.
Consumer complaint received 2018-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Someone used XXXX to steal {$2400.00} from my XXXX Account. But on XXXX 's website it says to just go through my bank. Even if I get my money back eventually, why should I have to spend all day dealing with my bank and be out the money for two weeks that isn't fair.
Consumer complaint received 2021-10-25
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I desperately need someone's help with getting the foreclosure auction on my mom 's home stopped!! I've been working for months to try and get the mortgage lender to approve a short sale. I have submitted every document required for the process, my mother 's death certificate, short sale application, an offer, probate documents, everything! And they refuse to review it. I do not want there to be a foreclosure on the public record, it is against what my mother would have wanted. I have tried to get someone to work with me to review the information that I have submitted and no one wants to assist me. The house is not worth nearly what Champion mortgage believes to be the value, and it is certainly not worth enough to pay off the loan in full. The home is dilapidated and the company is taking a huge risk going to auction because they will not get nearly what they are looking for. Please help me!