davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

PNC bank will not remove PMI from my mortgage account despite their own internal documents demonstrating I am and have been below 80 % LTV. When asked to remove PMI they stated their investor required being between 78 % to 80 % to remove PMI, contrary to statute. Despite numerous attempts to remove PMI from my account since XX/XX/XXXX, a follow up in XX/XX/XXXX ( at which time we were told we were below 80 % ), and again in XXXX PNC Bank has repeatedly refused to remove PMI. Further I am only permitted to speak with a Mortgage Specialist and members of their customer care teams, not with members of their PMI Department. On the evening of XX/XX/XXXX I was informed my case would be closed. However I requested this to remain open because my concerns were not addressed and requested to speak to a manager. 

Further they stated in letters sent to our home that we must commit to an appraisal or a BPO for them to even consider removing PMI from our accounts at our cost. 

We are up to date, and have been up to date on our accounts.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

citi bank credit card has taken over the sears credit cards. I recently received my statement informing me that i signed up for a promotional payment plan that was interest free for four years and then interest would accrue. The balance owed is {$2800.00}, they are now charging me {$5400.00} in interest. When i called them about it, they were unable to supply me with proof that i signed for this promotional program. I have never signed up for these promotional programs for this very reason. I have been warned for years when i started my credit history against these types of programs. The interest is almost a 100 % charge. I demand proof of my signing for this type of program and have the interest removed from my account. As i am now attempting to cosign for my child 's student loans this will severely have negative affects on my credit rating as the balance on this card is exceeded by more than two thousand dollars.
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC (VA)

XXXX XXXX XXXX submitted me for collection via PMAB after they received payment for account for my dependent via the insurance provider. Services were rendered XXXX for dependent in XXXX VA hospital a XXXX XXXX XXXX. I received a bill and realized they had wrong insurance informative provided them with the information they assured me they would refile. Upon reviewing my credit report collection agency PMAB advise that XX/XX/2018 XXXX XXXX XXXX sent me collections. I have been in communication with both entitys and can not get this resolved. I have a statement showing the patient balance as zero and have confirmed that with XXXX XXXX XXXX. I would like help getting this item removed from my credit report and holding both entities accountable for their discrepancy.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I had my accounts hacked, cards stolen and transactions appeared on my accounts made by someone else. 

Chase bank themselves contacted me on the day it happened, XX/XX/XXXX warning me of fradualant activity on my account and to call and verify, I called and told them I did not make the purchase at XXXX XXXX XXXX for {$2300.00}, I was told by chase that the transaction had declined. 

In XX/XX/XXXX, Chase bank withdrew the {$2300.00} from my account without any notification and told me I was responsible, yet they are the ones that notified me of fraudalant activity on my cards.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IN)

Discover said they were going to lower my interest rate. However, Discover charged me 18.49 % on purchases for XX/XX/XXXX and prior and charged an additional 14.49 % on purchases made on XX/XX/XXXX and after. This resulted in me paying 32.98 % in interest monthly. The interest rate a month was {$270.00} and my minimum payment was {$390.00}. However, I paid them $ 500-700 a month. Even when I paid off the entire balance they tried to charge me {$36.00} in interest on a {$27.00} balance that was on the card for two days.They told me my interest accrued daily and there was no grace period when charging a purchase. When I complained to the company they said we will give you a {$270.00} credit on the account for an account that was opened in XX/XX/XXXX with an excellent payment history. Subsequently, I have paid off this account and closed it. I feel that they was cheating me and other consumers.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (PA)

I transferred {$770.00} from my ReliaCard from card holder services to my checking account on XXXX it posted to my account on XXXX. It was reversed on XXXX. I contacted ReliaCard and was told I needed to fax my ID in which I did on XXXX. I was told I would receive my money in 5 days and I have been trying to get it refunded since. I keep calling and talking to people and not getting help. I filed a complaint against card holder services. Finally a supervisor call me and said he would help., he told me XXXX XXXX  did the reverse and gave me a tracking number of XXXX and they have to refund my money. I can not get anyone to help me with XXXX XXXX either. I either keep getting transferred or disconnected.
Consumer complaint received 2019-03-18
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)

Submitted several disputes ; last dispute on XX/XX/2019. I submitted evidence that original creditor no longer have information regarding account being disputed. Equifax continues to report account as verified and note date inaccurate DATE FIRST MAJOR DELINQUENCY REPORTED. Company continues to report unverified inaccurate information.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MO)

On Friday I had a check with a other financial institution I told the employee to cash in XXXX dollars which means the XXXX dollars I tired to have on the same day and XXXX dollar left on my account after 24 hours but the employee refused to cash the check and i told her specifically that my boss said I have funds available for you to have for mortgage but the bank teller still refused my statement she said in her own words " We can't go off what your boss said '' and I said may I speak with your manger at the branch and still could helped me we wasted time to go to the institution which was on the check and it should not been done while i was at the teller with XXXX in my checking account to pay mortgage and XXXX dollars by the next business day.
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Voss & Klein, LLC (FL)

I pulled My credit report and saw and account VOSS & KLEIN, I sent them a letter disputing the account requesting documentation showing that this Item belong to me. They sent me a letter show a paid invoice with a credit card that I never owned, an email I never used and a signature that do not matched.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I was told by the Consumer Financial Protection Bureau ( CFPB ) to submit my complaint again. 

XXXX reported six 90-day late payments to the Credit Reporting Agencies ( CRAs ). 
Those payments were put on forbearance to bring your account current. 
Due to the forbearance, XXXX should remove the negative reports because it contradicts the Advisory Opinion to Harris to the U.S. Department of Education. 

XXXX denied to update the credit reports on the basis that it was " correctly reported '' and that the Advisory Opinion to Harris relates to information that is incomplete or erroneous. 

In XXXX 's response to my first complaint, they are completely ignoring their duty as a " Furnisher '' under the FCRA. The 90 day late payments that are being reported as late are no longer late due to the forbearance. The attached approval for the forbearance shows that all payments from XX/XX/XXXX through XX/XX/XXXX were " postponed '' Therefore the payment that was due on XX/XX/XXXX which was 90 days late, was no longer due on XX/XX/XXXX, therefore no longer 90 days late and my credit reports should be updated. 

The information that they have provided to the CRAs is not complete nor accurate, directly conflicting with the FCRA. 

It is XXXX 's duty to update the information. 

" This duty extends to all student loan accounts reported toCRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ''
Consumer complaint received 2022-09-22
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: AMERICAN HONDA FINANCE CORP (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINANCE XXXX XXXXXXXX, 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2021-11-04
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: LEXISNEXIS (MD)

There is a bankruptcy reporting on my Credit Report from XX/XX/2020 listed as Discharged. Bankruptcy case number XXXX. It should be listed as Dismissed. I sent a supporting document that shows that it was ineligible for discharge which means that it was dismissed. It is verifiable through XXXX  and calling the trustee. This is easily fixed and when I submitted a previous dispute and they said it is reporting accurately. That is wrong.
Consumer complaint received 2021-04-05
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX  ) - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX/XXXX  - XXXX XXXX  XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( XXXX Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX  XXXX, I ( Original Creditor : XXXX  XXXX XXXX ) - XXXX
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

i made a payment for XXXX of XXXX they only credit XXXX then they reported me to the credit report agencies late i never been late in my life to any of my cards in 40 years now they cheated me out of XXXX and they reported me late to the credit report
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

On XX/XX/XXXX I was contact from key bank about fraud on my card. I called the costumer service and was transferred to a number with a case number XXXX. I gave my information to resolve the issue. When I tried to order a new card the phone hung up and the voicemail message that was left disappeared. I cant get in touch with key bank. I took a picture of the XXXX number and searched with turned out to be a robo scam.
Consumer complaint received 2018-10-11
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: EQUIFAX, INC. (IL)

I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST ME ''.
Consumer complaint received 2022-09-22
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX is reporting as of XX/XX/2022 that I have a delinquent account. I spoke with XXXX XXXX, VP of their bank and we agreed on a settlement amount of {$4000.00}. I paid this settlement amount with a cashiers check dated XX/XX/2022. I asked them to update my credit file once in XX/XX/2022 because they incorrectly reported it causing my credit score to plummet. Now, they have again inaccurately reported that I am delinquent and owe {$2600.00}. My credit score again has plummeted with this derogatory information. I am requesting that they remove this immediately and a note on my credit file saying that this debt is settled in XX/XX/2022. Thank you for your prompt response.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2021 I filed a dispute with CitiBank AT & T Universal Mastercard regarding a merchant ( XXXX XXXX XXXX Florida XXXX XXXX ) failing to provide service and for damages in the amount of {$1400.00}. Citibank provided a conditional credit in the amount of {$1400.00} The merchant ( XXXX ) and I settled the dispute in XXXX of 2021. In accepting a private settlement with merchant, I removed and cleared the dispute. I paid Citibank the amount of {$1400.00} in full before the billing cycle ended. 

On XX/XX/2021 I contacted Citibank for a duplicate charge for the same amount of {$1400.00} which appeared on the XXXX statement. Citibank Customer Service informed me they would adjust the amount within 7-10 business days. 

On XX/XX/2021 I spoke with XXXX from Citibank after noticing the amount was not adjusted and was told it would be within 7-10 days and was given a reference number. I also spoke with a Citibank Supervisor within the Billing Dispute Department who again asserted the adjustment would be made. I also received a generic letter stating the adjustment was made. The letter also appears on my online letters and documentation link dated XX/XX/2021. 

On XX/XX/2021 I spoke with XXXX, XXXX, and XXXX ( Citibank supervisor from the escalation team ) that informed me they were sending an internal message to the " back office '' to make the necessary adjustment. He reassured me my account would be adjusted within 72 hours. 

On XX/XX/2021 I spoke with XXXX and a Citibank supervisor named XXXX ( Id # : XXXX ) that stated he was messaging an " investigator in the back office '' to have the account adjusted and that it would take 2-3 business days for his request to credit the amount of {$1400.00}. 

On XX/XX/2021 I spoke with XXXX and Supervisor XXXX from Citibank at the Kentucky office. I expressed my displeasure and dissatisfaction with the many unanswered contacts regarding the duplicate charge of {$1400.00}. I informed her I've had no resolution nor information regarding this matter. She advised me was messaging the " back office '' and would take charge of the case with a promise to followup with me a week later. She mentioned an audit would be conducted but would most likely be time consuming. 

On XX/XX/2021 I received a Call from XXXX at Citibank. She informed me she did not have an answer as of yet and that she was forwarding the issue to the escalation department. I have requested a physical address and or email address to send a written complaint to have this duplicate charge in the amount of {$1400.00} resolved and have not been given neither. I was promised another call back from XXXX on XX/XX/2021. I have lost confidence and trust in Citibank after a 25 year banking/credit relationship where I have never been late nor had any previous issues. I've also lost excessive time, money, and patience in attempting to resolve this matter.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (CA)

Re : CareCredit/Synchrony Bank with Card Security program. 

Opened account in XXXX to help pay for XXXX XXXXXXXX and paid off in a few months. Used periodically since to pay for personal and pet care services, and typically paid off in a few months. At some point must have agreed to their debt protection program through Card Security. Flash forward to XXXX. Husband gets $ XXXXXXXX XXXX work. Reminded of terms that include zero interest for at least 12 months. Autopay in place. Defer making larger payments a few months given zero interest. Logon after 4-5 months to make larger payment, see that almost half of my ~ XXXX XXXX monthly payments have been going to this program. So zero interest offer is useless as a savings to me if I have to pay this while any balance. I have requested program be cancelled and will verify gets done.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (ID)

Chase bank posted a fraudulent transaction for {$3800.00} earlier in the year. They started out by reversing the charge and I had my money and access to my account. Then, on XX/XX/2021 the fraudulent transaction was re-posted to my account and Chase will not reverse the charge at all. I've filed every form their company offers to get my money back and have been refused help by Chase.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I disputed the inaccurate account and they keep verifying that it is accurate when all actuality it is not. This account should be closed and should have a XXXX balance. This account was transferred to another servicer. The attached reports were all ran on XXXX. I want this account removed immediately per FCRA 15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The credit bureaus and FedLoan are both reporting inaccurate information and i want the account removed from all consumer reporting agencies and files.
Consumer complaint received 2019-03-17
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. (NY)

I was having a problem paying down my CC I called XXXX XXXX and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

I started a plan with XXXX telephones. I had 30 days to evaluate their service. I did not like the service and returned the phones to a XXXX store. I was informed that I was cleared of any obligations. They have been reporting on my credit that I never returned the phones. I spoke with XXXX many times on them looking in their warehouse or receiving or the store. I was met with they are not obligated to do so. They are reporting that I never returned the phones when they have the ability to search for them and are refusing.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc (CA)

On XX/XX/2021, I filed a dispute with PayPal on a transaction through XXXX. I notified PayPal Credit and Pay about the transaction dispute ; on XX/XX/2021, Paypal Credit put charged {$280.00} back on my account. Paypal never closed my account dispute ( Case ID : XXXX ) ; they sided with the person that conned me on XXXX. A seller sent me the tracking number ; however, the item was not a XXXX sXXXX. It was a bag of rubber bands that they sent to me. I felt that this seller had duped me. I have provided the pictures to Paypal to show proof with the tracking number included with the package. After the item was purchased from XXXX, the person removed his account from the seller 's log. I provided the information with pictures. I sent all the information to Paypal, yet they sided with the seller. I will not allow the seller to con me. I sent all the evidence to Paypal ; it angers me that they sided with the seller without contacting me for more evidence. They have delayed the dispute ; the credit card company ( Paypal credit ) recharged {$280.00} without contacting me immediately. I feel that Paypal is looking the other way, allowing fraud transactions to occur. I waited over 4 hours to reach a live person they still did not resolve my situation I had to hang up.