davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice.
Consumer complaint received 2022-07-20
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}
Consumer complaint received 2018-11-30
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: Experian Information Solutions Inc. (FL)

I have a 30 day late payment report on XXXX XXXX.I setup and automatic payment and they make a mistake and never charge my account.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (FL)

I checked my loan payment history and discovered that my interest paid each month varies significantly, sometimes as much as XXXX %. My principal is not going down as fast as it should. I am set up on an automatic payment plan so payment is made same time each month, no late fees.
Consumer complaint received 2022-02-03
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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX utilizing my CHASE XXXX XXXX Credit Card, I purchase two tickets to XXXX valued at {$6400.00} and shortly after that, the pandemic hit and all travel to XXXX .was denied to Americans. At that time XXXX advised me that I will have a credit to use until XXXX, I asked for a refund and they told me that was not an option. Since my intent was to travel to XXXX I left it as a credit. Well here we are in XXXX and XXXX is still closed to Americans and I no longer have a need to travel to XXXX. I've tried to work with XXXX and they told me that my ticket was non refundable. I reached out to my Chase XXXX  and they told me that the 60 day time limit had passed for me to dispute a charge. I'm confused as to how I am being held to this timeline when in fact the pandemic has been going on for two years and I will not be able to travel to XXXX and eventually lose my credit.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NC)

My husband deposited {$3500.00} into our joint checking account on XXXX XXXX ( Suntrust Bank ). The amount showed as a pending transaction, until I checked the account online the following Monday ( XXXX XXXX ) where I discovered the deposit had totally disappeared. I contacted a local branch and they initiated an 'investigation '. In the meantime my account was credited with a miscellaneous {$3500.00} and all resulting overdraft charges as a consequence of the missing deposit were refunded. Suntrust has not provided me with an explanation regarding the outcome of the investigation, nor has management responded to my complaint, or offered any compensation for the major error.
Consumer complaint received 2022-02-03
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: LendingPoint Holdings LLC (CA)

I have 3 credit inquires that did NOT come from me. 

The days are XX/XX/22 for all three. 

1. Lendingpoint llc Phone # XXXX 2XXXX XXXX  PHONE # XXXX XXXX. XXXX XXXX XXXX Phone # XXXX
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (PA)

I have multiple issues with National Credit Systems , Inc. including, but not limited to : -I have received multiple requests for funds, without an explanation of why the amount is what it is. The collection bill is not itemized and does not reflect what I was actually paying while I was a resident of the collection agency 's client- Piney Point Apartments. So I 'm not sure where this arbitrary lump sum amount of {$950.00} is coming from. -I never once received notification directly from XXXX XXXX XXXX saying that I owed money or that they would be forwarding a balance to a collection agency. They have all of my personal information on file, so there 's no reason why I should n't have been notified before being sent to collections. -Neither XXXX XXXX XXXX nor National Credit Systems , Inc. have informed me when this collection balance became delinquent or when the statute of limitations will expire. -National Credit Systems , Inc. did not disclose that they would be sending the collection balance to my credit bureau immediately, without allowing for resolution first. -National Credit Systems , Inc. never once identified themselves nor did they have any identifying information about me or the specifics of my residency at XXXX XXXX , when contacting me. They also have failed to identify themselves either by name or by licensing number. -I 'm getting random collections calls from every state in America , which seems a little bit shady if this is supposedly a legitimate business based in XXXX , GA. -Legally, the apartment complex had to notify me before forwarding my personal information to a collection agency, which they failed to do. I never once received correspondence directly from XXXX XXXX.
Consumer complaint received 2015-06-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (PA)

I have now and have had an account with Paypal since 2008. I have always funded my paypal purchases with my bank account. A little over a year ago I was making a purchase and continously received a pop up for what they were calling paypal credit. I clicked on the link interested in seeing what it was about and to get more information. I was instantly signed up and the payment was made on my behalf utilizing the paypal credit. I attempted to contact someone on several occasions and my emails were either ignored completely or I would receive an email back with their policy copied and pasted but never the opportunity to speak with a representative. Over the next year I continued to utilize paypal unaware that pretty much every purchase that I was making was then being defaulted to the paypal credit. I again tried to reach out to someone in Paypal customer service again I was unsuccessful. I had he funds available and did not want Paypal credit. I do not think that I should have to pay them for this unethical practice to trick its customers into accruing debt. I'd used Paypal for 5+ years prior to this with no issues and had no problem paying from my account. This trick to get people to use their credit and in turn run up debt is sad and should be dealt with immediately.
Consumer complaint received 2017-08-13
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: Experian Information Solutions Inc. (CA)

XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing XXXX XXXX ''
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

We Did a Loan Modification with XXXX XXXX back inXX/XX/XXXX to a low interest ( ARM ) Interest only payment. Our Loan was Sold to XXXX XXXX inXX/XX/XXXX. We always paid on time and never had issues.
In XX/XX/XXXXwe were looking to sell our Home but decided not to because we were told repeatedly by Ocwen and also confirmed with the online statements that the rates remained at a low 1.75 % interest only rate. 2 Months ago we received a letter that our rate was increasing in XX/XX/XXXX and would adjust to the current rates so we decided to sell our home.
when we received escrow documents we were astonished to see that ocwen had added an additional $ XXXX in Principal to over original Balance of our loan. They added Interest payments going back toXX/XX/XXXXas well as Principal unpaid.
we have layers involved but have since closed escrow because we could not afford the newly adjusted rates+ principal payments and could not refinance the loan because of the Loan to value based on their new principal amounts.
we are now stuck after the fact trying to dispute with ocwen the amount and their calculations which we feel are agregeous and misscalculated
Consumer complaint received 2022-07-20
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. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}
Consumer complaint received 2017-08-13
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: HUNTINGTON NATIONAL BANK, THE (MI)

I had {$97.00} charged on my card from a hotel that I did n't even make reservations for and I called the hotel they told me to leave a voice mail for the maneger and then I got told to call and place a report to the cops and I 'm too scared to do that
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: U.S. BANCORP (OH)

I was contacted by a XXXX to contact XXXX with a file number XXXX. I contacted the number and everyone i talked to was rude. The voicemail stated that there was a case with my apartment complex. The XXXX person I talked to was XXXX XXXX every time i asked a question she was rude. She stated that I was going to be served today and I looked on the county website for any court documentation and there is none. She stated that they have the right to garnish my wages and that information is being sent to my payroll department when I get served. She stated that in Ohio debtors have up to XXXX years to collect a debt and they are requesting that all my bank accounts are closed immediately and I wont be able to open a account within the next XXXX years. They said XXXX has tried to contact me. They said the FDIC is looking to sue me and have no problem doing it. He said they will put a lean on my car and they see based on my credit report that I have been making the payments and I have a nice job so why not sue you. I asked about the date the compliant was filed in court and i was put on hold then a guy named XXXX XXXX. As soon as he got on the phone he started saying since you want to be diffcult in the state of Ohio we have the right to collect the debt up to XXXX years you will never get away from the debt. You have a good job so we are going to sue you if I dont pay large amount by XXXX XXXX.
Consumer complaint received 2018-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I spent about an hour on the phone with XXXX  trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.
Consumer complaint received 2015-10-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (AZ)

As a customer of USBank it 's not clear just by looking at your account balance and transactions what your account balance is. You have to take the additional step of clicking on an icon next to the transaction and account balance to see your actual account balance at that time. The bank 's explanation for this is that " there are XXXX balances '', XXXX is the account balance and XXXX is the ledger balance. This seems confusing and a deceptive way of generating overdraft fees. In addition USBank says they charge overdraft fees on transactions the moment it takes an account negative at the card swipe with the merchant instead of when the funds clear the account. The combination of these XXXX USBank practices made it impossible for me to me properly assess and make the the apropriate same day cash deposits to cover the funds and avoid overdraft fees.
Consumer complaint received 2015-09-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I have been contacted by representatives at US Bank regarding a Reserve Line I have that was closed by US Bank and is in pay down status. The amount on the Reserve Line was {$1500.00} and was closed a few years ago and still owe {$720.00} mostly due to Fees and Interest. In 2015 I have been assessed Fees of {$140.00} and Interest of {$100.00} just in 2015 alone. I called US Bank and was quickly transferred to a representative and explained my financial hardship and was told fees and interest could not be reversed. I feel I have paid thousands of dollars to US Bank in Overdraft, Fees and Interest over the last twenty years that the US Bank representative should have negotiated a pay down balance to {$400.00} and I would pay off the balance over the course of a year. I am currently between jobs not by choice but because I am not able to find work. I am trying to get on Social Security XXXX to get my life back. Right now times are hard for me and US Bank representatives are making it more difficult.
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (FL)

Two paid medical accounts from 2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TXXXX & Experian, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at XXXX and Experian have dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with Experian but XXXX XXXX online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both XXXX and Experian. The documentation from XXXX is attached. 

I want XXXX and Experian to delete the information immediately and update my scores.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Advanced Resolution Services Inc. (IL)

This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share information to 3rd party agencies or data mining companies. This third-party credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.
Consumer complaint received 2015-10-07
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc. (VA)

I have had a Google account for 8+ years, and I have had a Google Wallet account for over a year. Recently, I requested a Google Wallet XXXX which is a co-branded XXXX debit card ( essentially a prepaid debit card ). On the morning of XXXX XXXX, 2015, I received an email that my account was temporarily blocked due to suspicious activity that I reported to Google. When I called in, I was unable to speak with anyone in the Risk Department. Then, I received another email this time indicating that Google had flagged my account for fraudulent activity. There were no improper transactions on my account. The third communication from Google indicated that they had to close my account, and there was nothing I could do because they had the right to close any account at anytime without notice and without liability if the terms of service were violated. I do not know what I did wrong, and I guess I never will. 

I was an XXXX for a number of years, and we never closed accounts without providing specific reasons.