davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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: CITY NATIONAL BANK (CA)

XXXX XXXX XXXX XXXX # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX  XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. On XX/XX/2020, I received an email from XXXX XXXX XXXX please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. Sincerely, -XXXX  XXXX
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DE)

Late Payment for XXXX  XXXX on XX/XX/2020 XXXX XXXX Reported a Late Payment on a Credit Card I have with them. The late payment came from an annual fee on my XXXX XXXX XXXX XXXX. Because I don't use the card and keep an empty balance, I had forgotten about the late fee I paid the late annual fee including the late fee and had asked them to delete the late payment from my credit report since the late fee didn't come from having a balance. And they said they could not do so. 

Since then, the late payment had severely hurt my credit report. Despite having flawless payment history otherwise
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I would like to know if the temporary changes to the Public Loan Forgiveness Program mean than I now have enough payments to qualify for federal student loan forgiveness through the Public Service Loan Forgiveness program. My loans are serviced through FedLoan Servicing. 

Currently, I have 105 qualifying payments toward the 120 payments needed for loan forgiveness. However, a change to how forbearances are treated for PSLF forgiveness may mean that I *do* have enough qualifying payments. 

The Department of Education will be conducting a review of all accounts this fall. However, I would like to find out sooner if possible. The reason is that I'm not working, and I need to know whether I should be applying for a temporary job with a nonprofit or government agency ( if I need 15 more qualifying payments ), or if I do have enough qualifying payments and can look for other types of employment. 

On XX/XX/XXXX, the Department of Education announced they will be conducting a one-time account adjustment to count certain long-term forbearances toward PSLF loan forgiveness ( link to press release below ). The adjustments only apply to forbearances of *more* than 12 months consecutive, or 36 months cumulative.

According to my account on the Dept. of Education website, my student loan account was in forbearance starting XX/XX/XXXX, then entering into repayment on XX/XX/XXXX -- more than enough months to satisfy the 12-month minimum and the 15 remaining qualifying payments. 

However, there was a three-day period in the middle where it shows I was in repayment ( XX/XX/XXXX - XX/XX/XXXX ), though I did not make a payment. I would like to find out if the 3-day " repayment period '' will split the forbearance period into 2 forbearances, neither of which would meet the 12-month minimum mentioned above.

Could you find out from the Department of Education whether they will treat it as one long forbearances or two shorter forbearances?

A representative from FedLoan Servicing said that because the forbearance happened during only one month ( XX/XX/XXXX ), and because the forbearance was so short, she thought it would be treated as a single forbearance. Also, the press release said the adjustment " will count forbearances of more than 12 months consecutive '' - and going by the plain language, I was in a forbearance during more than 12 consecutive months. 

Thanks so much for your help, and let me know what more information you need from me. 

XXXX XXXX from Dept. of Education : https : //www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2020 my checking account was cleaned out in the amount of XXXX and my Wells Fargo credit card in the amount of almost XXXX. The hacker opened 3 accounts in my name XXXX, XXXX XXXX and XXXX XXXX. I called Wells Fargo immediately I looked at my account at XXXX XXXX  on the ninth to see if our Social Security checks came in they did when I went back at XXXX to pay bills all our money was gone. Wells Fargo made a claim and said they would get back with me they refunded {$1400.00} on one of the charges of my credit card and they refunded XXXX for a XXXX I didnt do. I received a letter on XXXX XXXX from XXXX XXXX senior vice president over claims she was stating that she was closing my account and they were not paying any further because they could not establish fraud basically told me that I was stealing my own money. I looked into one of the withdrawals for {$1500.00} that went to XXXX so I called XXXX to see what could be done and talk to the fraud department he informed me that there was still {$1500.00} in that account and that hackers had not transferred the money yet I asked him if he could transfer the money back to my account and he did so I retrieved XXXX myself. Another XXXX went to XXXX then they were sending money to people I dont even know. Later that day I received a phone call from Wells Fargo supposedly the call ended up being hackers posing as Wells Fargo and then they talked us into a whole other situation. She said there was a way to get our money back a lot faster and that was to go to a grocery store and get three XXXX XXXX {$500.00} cards so that they can track where the cards were going to I said I have to buy gift cards and she said it will make things go a lot faster once they find out where the money is going to and then replace it and put it back in our checking account. So my husband and I went and got {$1500.00} worth of gift cards gave them the numbers didnt realize this is another scam I even have a recording of the girl telling me that I was going to get my money back faster I guess were just old and stupid. But that XXXX I retrieved it from the XXXX account before they could transfer.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2021-01-01
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: EQUIFAX, INC. (MI)

I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX  card.I also stated to XXXX, all i see is is XXXX XXXX XXXX adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all  complaint responses from XXXX, XXXX  , equifax , XXXX does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back pedaling cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX  buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.
Consumer complaint received 2020-04-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

RE-REFERENCING ON BOA COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Checking or savings account ISSUE Problem with fraud alerts or security # XX/XX/2020 My parents has receiving of much paper abundance from boa and they do seem to catch scan about two pages of such informations, so where here now I am really seeing of dispointfulness from XXXX XXXX. I don't see any real care about things but just round about says that somewhat provide whatever cover goes on here. It is contrar per says yet on these two XXXX XXXX dollar fees, these impart on hotel payments under usa currency and atm machine dispensements fee nothing per against those says round about says per say so-so it is erroring somehow here! The hotel should get paid by way of my debitcard and why instigate as if I am forced to atm all that money up at slight risks as to be out from these now questionable fees! 
The realestate quote of all true enough to reviewfully quote if you will, never gets answered. How unbelievable against whats needed about a bought highshelter of life! 
On the safepass online upgrade, no one had ever made such completion unto functionality, but at a time ago that representative did abstract corrective ways while we both go under some heightize-digitalize-synchronize hyper*connect. At that time, my account was bumped up about it but just not all the confirming a bit more. 
The XXXX dollar extra fee was to get reversed by XXXX XXXX but she never did a thing about it, it was v a r not to exist done via such internet purchasing. 
I have very critical airline matters and here two disputes to process. One of these matters was started but I asked to revert on this action, until and because of employee unbelievable irate unbelievable doings. 
- MORE - The bank of america has left my back account here to be quite convoluted by way of XXXX XXXX. A XXXX  case like heck and a dispute under processes of boa like heck in a way. A single international simple shipment delivery got into wacked out data and nondisclosure ignorances and then error admits unto more ignorances! MONTHS OF BOA RESEARCH TIME STATI ONLINE, CLOSES ABSTRACTLY POSITIVE, YET BOA DOES CARE ABOUT MY BOA ACCOUNT GETTING CORRECTED, IT STAYS STANDING IN FRAUD BY XXXX XXXX  HERE NONE THE LESS VIA XXXX XXXX, UNBELIEVABLE! 
XXXX XXXX
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CO)

I have two closed Chase Credit Accounts and ONE active Chase Checking account all owned by JP MORGAN CHASE. I requested a cease and desist telephone contact order be made for my credit card accounts. I received notification with US mail stating they have processed the request. Two weeks later, this morning, I received an email stating my mobile number had been removed from XXXX. XXXX is a payment transfer service with Chase Checking account services. 
JP Morgan Chase Bank has stated on numerous occasions the Checking and Credit services are completely separate services and the one can not assist the other. With that being said, removal of my telephone number from the XXXX database should NOT have occurred. This is an unfair and deceptive business practice Chase bank is engaging in using US Federal Law on processing of cease and desist orders, GLOBALLY with Chase owned or leased services, as a way to punish the consumer for not allowing a debt collection call. 
Note : Cease and desist request was made due to totals of 12 or MORE calls from Chase Bank were coming in PER DAY. This in itself is a violation of FDCPA.
Consumer complaint received 2021-01-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

5. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

6. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- 7. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Consumer complaint received 2020-04-17
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. (FL)

Dear Transunion : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : XXXX XXXX XXXX XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.
Consumer complaint received 2021-01-01
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. (MI)

I recently checked my credit reports and the two closed XXXX  XXXX accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX closed XXXX  XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX  XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos information.
Consumer complaint received 2020-01-18
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: REGIONS FINANCIAL CORPORATION (FL)

Placed a dispute on a delinquent report by Regions Bank on all 3 credit beaureu ( XXXX, XXXX  and XXXX  ). Provided documents supporting my claim that Regions is reporting me delinquent unfairly because the lack of communication between Regions Bank and XXXX XXXX   and their failure to properly contact me in regards to their decision to stop doing automatic debit on my current account for mortgage payment. XXXX XXXX  sent letters to my home address and tried to contact me via phone to a number I no longer had. Regions Branch in XXXX had all the correct contact info as I had updated it. XXXX XXXX had their contact info incorrect and I was unaware that they worked as two separate companies ( Only was told about this when I complained about the delinquent report ). Since I was travelling abroad at the time, I was unable to read the letters sitting on my mail box. When I returned home and saw the letters I proceeded to go to the Regions Branch inmediately and pay the past due amounts with the funds that had been sitting on my regions bank account designated for auto pay. 

Credit Bureaus failed to consider all the documents and info provided and their response letters only mentioned that they acted according to Regions Bank response that they were reporting accurately my information. 

This is an abusive use of the credit bureau report. This tool is made to properly show people who are unwilling or unable to meet their obligations on a timely manner. I strongly believe that with all the documentation I provided ( including Regions account statements showing more than enough funds available to meet payments during the due dates ) clearly shows that I had more than sufficient funds to meet my payment obligations. The only reason this was not done is the fact that Regions Bank stopped doing the auto pay in a period when I was out of the country and they also failed to properly inform me of this situation in order for me to be able to try to have payments made somehow from outside the US.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

I Contacted My State Attorney Generals office and the Cfpb on old navy sychrony bank because they failed to give me atleast 90 days of applicable relief due to covid-19. My state has passed its own care act and company 's have to give 90 days of covid relief and can not report delinquency or other adverse actions to any bureaus. 
Old Navy Sychrony has violated state laws and I have the screen shots to prove it. I am also enrolled in credit counseling because of the company 's negligents.