davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a check for {$2900.00} last Friday, XX/XX/20 and I deposited it. I called the bank ( B of A ) on Saturday and asked if the check had cleared. I was told yes. I asked if I could use those funds. I was told yes. On Monday the bank tried to get their money from the other bank and was told the check was fraudulent. They then debited my account for {$2900.00} and charged me for a returned item. If I had been told the whole truth by the bank, I would have waited for several days. I was not. I did exactly what the bank told me and now they say they have no responsibility. I disagree, I have called a customer rep, chatted with them, and went to a branch where I was thrown out when I complained.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (TX)

I have disputed the validity of this debt for almost 2 years with NCC BUSINESS as well as with XXXX, XXXX and XXXX. They continue to send me notification that this debt has been validated without providing physical proof. On XX/XX/2018 I contacted the company that they allege that I owe debt to and they have no record of any debt being owed to them by me. NCC BUSINESS stated to me that they do not own the debt and that they are a 3rd party collector. When I asked who do I need to contact in order to resolve this matter I was told the company that they were collecting for was called XXXX and when I asked for their location and contact info, I was told by the collection manager at NCC BUSINESS, XXXX XXXX to " XXXX '' it. My XXXX search provided several results none of which I am able to pinpoint without further information but I also feel as though I should not have to search to find out this information. It should have readily been provided to me upon request in order to protect my rights. I have not been provided the accurate information on this debt and inaccurate information is being reported that is negatively impacting my credit.
Consumer complaint received 2022-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (SD)

XX/XX/XXXX, XXXX I applied for a Heloc through my lender 's app. Guaranteed Rate. I was denied. I called XXXX to inquire as to why I was declined. I have excellent ( over XXXX ) credit scores. I have very little debt. When a man ( XXXX ) answered, he put me on hold and when he came back after checking on my application, said I was declined due to " a county land use code that we do not accept. '' I had never heard of such a thing and asked for more information. He said the code was " NEC or Not elsewhere classified '' and that they don't do loans on properties with that code. I said I lived in a residential neighborhood in a single family home, and asked what would be considered a " normal ' code. He replied single family. I said that I thought there was some mistake. He said I would need to call my county to get it corrected. We hung up.

I called the County assessors office and spoke with XXXX She confirmed with her superior that my property is indeed coded with the county as " Single Family Residence ''. She offered to email me the property card to send on to the processor at Gauranteed rate. She did email that to me and we hung up. I called back immediately to the above XXXX number for guaranteed rate. This time after waiting for an answer for 15 minutes I spoke with " XXXX ''. I told him that I had an email proving that my property was not coded as NEC, but Single Family. He said there was nothing he could do. The information they get can not be changed. I asked how that is legal. They are offering financial loans to the public but they don't have to use correct information to process that person 's application? That doesn't seem right. I asked for a superior to call me back. He said there is no one that is a superior. That he literally had nothing other he could do for me. I again asked how I was to correct this mistaken information if the county had nothing to change? I asked to send him the property card by email. He said that there would be nothing he could do with the corrected information or the property card and the final comment he had was that this happens to A LOT of people that are applying and there is literally nothing they can do. This sounds like a company that has an algorithm set up in their approval data to lend to only a certain demographic that maybe my neighborhood is not part of.
Consumer complaint received 2021-12-04
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: Westlake Services, LLC (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WESTLAKE SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-04
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. (TX)

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law. 

XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX-Account # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX - XXXX # XXXX -Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX- Account # XXXX Date opened XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2017 at XXXX XXXX I called Suntrust mortgage because I was impacted by Hurricane Irma.  We were declared by FEMA to be a disaster zone.  My insurance company would not pay because my damage was only around $XXXX   total and the deductible was raised due tot he hurricane to 5% of total value of my home so it was around $XXXX.  What that meant was all the recovery was out of pocket.At that time I was 1 to 2 payments behind and paying every month still trying to recover from Hurricane Matthew which hit us one year before.The representative from Suntrust said I will be put on a 6 months no pay forbearance and at the end of the loans they will automatically add the payments to the end of the loan and since I was 2 behind already my forbearance period would only be 4 months.I took the assistance because I needed it.  At the end of the time period when Suntrust reviewed me to finalize the disaster modification they claimed because I was 2 payment behind already they were not going to assist me.I have been disputing this ever since because I would not have accepted the assistance had the representative given me correct information.   But because I believed the misinformation from Suntrust I am facing losing my home. I have escalated this with Suntrust but they are not helping and will not honor what their own representatives committed to.I was forced to submit a borrowers assistance package and without notice Suntrust changed their guidelines so now they will not review meMy wife and I are XXXX  US XXXX veterans and my wife is XXXX  XXXX  from XXXX connected XXXX  but Suntrust does not recognize that
Consumer complaint received 2020-10-27
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. (GA)

The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX  {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX  {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXX {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX  {$60.00}
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I was notified on XX/XX/XXXX, by the XXXX County Tax Office that Chase Mortgage failed to pay XXXX property taxes in the amount of {$14000.00} from my mortgage escrow account. The error resulted in a penalty of {$1000.00}. 

I paid the property taxes and penalties due on XX/XX/XXXX, in order to avoid additional penalties that would have been imposed on XX/XX/XXXX. 

On XX/XX/XXXX, I filed an Error Resolution Notice under 12 C.F.R. 1024.35, requesting correction of the error described and attached a record of the payment. Chase did not send written confirmation of receipt within 5 days as required by federal law, but confirmed receipt by phone when I later contacted them. 

I was informed that Chase closed the claim without refunding the penalties due to their error based on the fact that the property owner information was confidential in the property records due to my service in the XXXX XXXX. Yet, this has been the case since XXXX, and Chase has made three tax disbursements since that time. Chase refuses to compensate me for losses incurred due to its error.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I recently refinanced my mortgage and Shellpoint Mortgage is no longer my loan servicer. 

The refinanced loan closed on XX/XX/XXXX. The escrow balance from my XXXX statement totaled {$1200.00}. 

I was just notified this week that the escrow reimbursement only totaled {$1000.00}. Shellpoint instead of working with the title company inappropriately deducted 3 days of per diem interest from the escrow balance that I was due. 

This is not appropriate and have not heard back from Shellpoint   with a response. Another major issue is the title company told me the wire was sent to Shellpoint or XX/XX/XXXX however the payoff was not noted on my account until XX/XX/XXXX. 

I have included both the XXXX mortgage statement and the transaction history received from Shellpoint on this complaint.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XX/XX/XXXX, I was locked out of my mobile banking access, I tried logging in to the actual website and my access has been locked. I got a message to call USAA and speak to a representative. I was out on hold for 3 hours and no one from USAA answered my call. I was disconnected after 3 hrs and 40 minutes wait. I tried using my ATM card to pay for gas and my card got decline. I have over XXXX  balance on my checking so there should be no reason for my card to get decline. 

XX/XX/XXXX at XXXX XXXX, I called the debit card 24/7 customer number, the automated system could not verify me and was transfer again and was put on another 3hr wait time. No one answered. 

XX/XX/XXXX at XXXX XXXX  I called USAA again to asked why I cant access my funds, I was transfer again for another 3hr wait time. I cant purchase any gas for my vehicle and I cant but food and diaper for my children. I have a total of XXXX in my account and I cant access them. I dont know what to do since I dont own a credit card. All my utilities are due this week and all of them are tied into my debit card which XXXX cant access. Please help.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

We were contacted by Rocket Mortgage XX/XX/2020 informing us we were eligible to refinance. Representative said our home maximum appraisal was {$290000.00} and that a {$280000.00} figure would be 'comfortable ' to complete the application. We were aware of and charged a {$400.00} appraisal fee, which would be returned upon closing. A substantial monthly savings was greatly anticipated due to recent XXXX XXXX  and treatments incurring thousands in medical expenses. Our home appraisal was {$240000.00} despite being substantially larger and very, very well maintained than similar homes in the vicinity. The low appraisal negated the refinance. We requested a refund of the appraisal fee, due being misled by Rocket Mortgage representative regarding the appraisal value upon our initial conversation. We were also told by another representative that we were ineligible to refinance anyway because we had refinanced with Rocket Mortgage XX/XX/2020, nine months prior, we had to wait 12 months to refinance again. This is/was information mortgage professionals know beforehand in the mortgage industry. We were told we would be contacted regarding the request to return the {$400.00} appraisal fee because of the inaccurate and uninformative information but have yet to be contacted by the Rocket Mortgage representative we have spoken with. Thank you for your assistance.
Consumer complaint received 2020-10-28
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: Southwest Credit Systems, L.P. (NY)

I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX XXXX  on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

I have spoken to this company several times during my hardships because of XXXX They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

This acct was a secured wells fargo card and they say i owe them and they are reporting this on my credit report and if it was a a secured card how can i owe them because the acct was closed in good standing and you could never go over the secured amount i have asked for documentation and they continue to refuse to give send it to me
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX my medical information. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies XXXX CA XXXX with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. The CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, this is my private personal medical information. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

Paypal is somehow connected to synchrony bank.

Whenever a paypal transaction is made it transfers to synchrony and they are the ones who accept payments billing etc. 
I attempted to transfer money to an individual thru paypal and it went to the wrong recipient. 
I mmediately notified pay pal and they advised me to collect funds back from the unintended recipient. 
Of course that did not work. Then they told me synchrony is where i should direct my problem and in turn synchrony told me to direct my problem back to pay pal. Neither of them have given me a timely accurate way to resolve this issue. 
The transaction was on XX/XX/XXXX in the amount of XXXX I am at a loss. I just want my money back and neither of them are taking ownership of how to refund my money. 
Please advise.
Consumer complaint received 2021-01-03
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. (GA)

I have sent numerous letters to equiax showing them that the below mentioned collection agency XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX owned by XXXX XXXX XXXX at the time ) that a debt was included in my Chapter XXXX bankruptcy. I included a list of creditors showing that the apartment complex was listed but it still shows on my report and someone still tries to collect on this debt that was discharged over 2 years ago.
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (FL)

During the summer of 2020, I went to my local " Citibank '' to open a business checking account. 
I have my personal credit card, checking and savings account with this financial institution, so I decided to have my business account with them. 

The process was never finished, no paper work was provided, no account number was provided, no temporary checks, none of the basic new account items. Also no money was deposited in this account. 

Regardless, Citibank is charging me with {$43.00}. All my attempts to explain that the account wasn't technically/legally opened were in vain. 

Why do I have to pay a fee for an account that wasn't even opened? 

Thank you very much.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (NY)

I no longer respond to the many phone calls I get daily from Aspire as I don't understand how my federal student loans magically turned into private loans. They call everyday telling me that my loan has been in default since XX/XX/2022, which is incorrect because my federal loans were in forbearance for the past few years. This company has been calling me nonstop suggesting that they will help me with a payment arrangement with many kinds of programs like forbearance and income-based repayment plans and if I don't comply, they will garnish my pay, I'll be in default and my credit will be ruined and the government will take my tax return if I don't comply. I don't understand how they became my federal student loan servicer. They harass me EVERYDAY, any help in this matter would be appreciated.