davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: KEYCORP (VA)

On XX/XX/XXXX, Key Bank closed my XXXX account without notification. I had used the XXXX service since 2016, while the service was still part of the XXXX company. It is a service I have used for the past 4 years. 

XXXX is a financial service that allows users to aggregate their financial data ( e.g., credit cards, checking account, savings, debts ) to view a common, holistic picture of their finances. While the service does not allow for the manipulation of individual accounts ( payments, withdrawals, etc. ), it does aggregate highly sensitive personal financial data ( including account balances, financial relationships, user logins, and user passwords ). 

I am deeply troubled and concerned by the sudden loss of access to my account. On XX/XX/XXXX, I emailed the support, and received notification of my account closing. This news surprised me as I did not receive warning prior that my account access would be ending, and because I have shared highly sensitive information to this service. Without formal notification of my account closing, I am left in the dark how Key Bank may use and manipulate my data ( and potentially the thousands of other users ) without consent. 

I request that the CFPB investigate this matter with expediency, and ensure that the consumer 's of Key Bank 's XXXX service are protected against fraud and personal information data leaks.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I was paying property taxes separate from mortgage. I fell behind 3 years @ XXXX per yr totaling XXXX. XXXX XXXX XXXX paid it and allowed me to pay XXXX over the mortgage of XXXX + current taxes + past due taxes XXXX per month starting in XX/XX/XXXX. XXXX XXXX XXXX sold my mortgage to XXXX then Green Tree is  where the problems began. Green Tree/DiTech started  utilizing those funds by forced placed insurance ( when I had insurance ). In XX/XX/XXXX DiTech would have been paid back XXXX for the mortgage back taxes but still claimed we owed them XXXX. On 2 separate occasions I have tried to resolve this issue but was not successful. Each time we filed a complaint GreenTree/DiTech would began harassment with forced placed insurance, sending court documents about suing for the house being lost in bankruptcy XX/XX/XXXX, and returning payments, paid insurance w/o permission and the following year failed to pay do our insurance lapsed. Now that DiTech is in bankruptcy I reached out to XXXX XXXX for assistance but they failed to provide any assistance. We never stopped making the payment Ditech started returning them so they could foreclose on the property. Please help
Consumer complaint received 2020-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

My student loans are currently covered under the CARES Act forbearance. In XX/XX/XXXX, I submitted a request to change my billing due date for my student loans to manage my payments once they resume in XXXX. For some reason, PHEAA has treated this change in due date request as a recertification. I received a confirmation from PHEAA that I recertified my income-driven repayment plan. The only problem is that I never requested to recertify, nor did I submit any proof of income. Moreover, PHEAA said my next payment under a new IDR plan was due in XXXX -- while the payment suspension is still in effect! 

I am not due to recertify until XXXX. I want to ensure that my payment suspension remains in effect, that I have no payment due until XX/XX/XXXX, and that all these months continue to qualify for PSLF.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

Good Morning, I made a payment to PAYPAL SYNCHRONY and then I DELETED my bank information right after because PAYPAL likes to make unauthorized charges directly to the bank account. I thought all was fine then I get an email stating my payment was returned and I have been charged a fee. I emailed my bank and they show absolutely no return or payments made so this is something on SYNCHRONY 's end. The only thing I can think of is I deleted my banking details too soon, but I made a transfer of {$2.00} just fine so that does not make any sense. I told them to refund the fee and I will try again and leave my bank until the payment actually posts, but I just got a vague XXXX  answer from CSR so now escalating this again. 

Thank You Please refund the {$29.00} fee and I will reprocess the payment. The only thing I can think of is why the payment failed is because I deleted my banking information right after making the payment which I am not sure why that affected it as I made a transfer to my bank of {$2.00} and it was successful, but I will NOT be leaving that saved anymore due to PAYPAL charging purchases directly to my bank account without my authorization. 

Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX hello please advise why my payment was returned and you charged me a fee. My bank has sufficient funds. The only thing I can think of is after I made the payment I DELETED my bank information as I will NO LONGER save my bank information on this website. Please refund the {$29.00} charge you have posted otherwise I will be reporting it to the CFPB & XXXX My bank details were correct and you authorized and linked them. I got my transfer I made of XXXX fine so please check your own records and advise. 

XXXX XXXXPayPal Credit Customer ServiceRE : PayPal Credit Account Information Hi XXXX , Thank you for your recent inquiry regarding your PayPal Credit account XXXX and the opportunity to be of service to you. 

We received your payment in the amount of {$120.00} and applied it to your account on XX/XX/2021. 

Your payment was returned from your bank unpaid, therefore, the dollar amount was debited back to your account on XX/XX/2021. We are not able to re-process the payment. Please remit another payment to replace the payment that was returned as unpaid from your bank. 

If you are questioning the reason the payment was returned, please contact your bank. 



We appreciate you as a valued PayPal Credit customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center. 



Sincerely, XXXX Customer Service
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE EXPRESS, LLC (OR)

I am a first time home buyer. At date of closing while signing documents, XX/XX/XXXX, I am expecting not to pay any closing costs - up to 7,000 with be paid for by seller. I am unexpectedly asked to pay XXXX to close. Realtor calls loan officer XXXX XXXX of Mortgage Express XXXX, OR, for explanation. XXXX tells me the loan program ( 1 % down HomeReady conventional loan ) is no longer available. That the 2  % paid for by government ( up to 5,000 dollars ) is no longer available and that I now owe ~ {$4500.00}. I sign under duress and have money wired. I go back to work and tell co-workers. They believe I have been taken advantage of/scammed. I call another loan officer of a different company. He uses the term bait and switch. Tells me the Home ready program is still being advertised on XXXX XXXX XXXX website. Tells me to get clarification from manager and to file complaint with state. I call XXXX. Manager is unavailable until Monday. He offers no further explanation. I file that night a complaint with the state of Oregon. I file a complaint today, Saturday XX/XX/XXXX online with the BBB.
Consumer complaint received 2019-03-11
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 was at home checking my email and received a call from 2 banks saying that i was late on 2 different car payments that I don't own or know anything about. I then looked on my credit report and saw 2 installment loans that I did not authorize. These accounts are : XXXX XXXX {$49000.00} and XXXX XXXX XXXX {$25000.00}. I then went to the police station and explained the situation to them and they gave me a identity theft police report. I sent a letter with the police report to equifax to have it removed and hey still haven't removed it.
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

I have been trying to close this business account for two weeks. There are no outstanding checks. It took several tries before I could even transfer out the balance on the account to my new bank. Although the ACH transfer was set up and approved, and I could make an initial transfer, the bank would not transfer out the final amount, it just refused the transfer. I had no outstanding checks and no outstanding bills and no ongoing scheduled payments. The account had been inactive. 

After several phone calls they stalled many times saying they could not verify my identity, even when I provided all security info they requested. Finally the money transfer did occur but even then they would not close the account. 

This has taken many many phone calls and just now they have finally agreed to close the account, only after sending me to a supervisor several times. This is clearly a method they are using to trap customers into not moving out of their bank. In all other transactions in the past there was none of this rigamarole ... I have done many ACH transactions and moved money many times but as soon as I went to close the account there was this huge delay. I spent many hours working to close my account! So very frustrating, feeling held hostage, really bad service.
Consumer complaint received 2019-06-03
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. (NY)

On XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

Equifax reported that XXXX closed the account and that my : Balance Decreased by {$390000.00}. EQUIFAX LOWERED MY CREDIT SCORE BY XXXX POINTS! 

On XX/XX/2019, I filed a complaint with CFPB ID : XXXX. 

On XX/XX/2019, Equifax responded : " We have researched the credit account. Account # XXXX The results are : Accounts reporting as transferred or sold are considered closed. This account is currently reporting paid as agreed, with no late payments. '' However, Equifax DID NOT add those points by to my score!
Consumer complaint received 2017-09-23
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: BARCLAYS BANK DELAWARE (OH)

I was anticipating my enrollment in a credit card program that would have closed my credit cards. I was told that it would be better for my credit reports if I closed them myself rather than having the credit card companies close it. I called and tried closing my credit cards on 3 separate occasions. One time on  XXXX XXXX and again on XXXX XXXX and finally on XXXX XXXX when it was finally closed by the credit card company. Whenever I tried closing the credit card, I would inform that to the customer service representative of my intentions and they would abruptly end my calls. Finally, on the day it had been closed by the credit card company, I was told that it had already been closed.
Consumer complaint received 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-04-28
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXXXXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

2. XXXX  XXXX  XXXX  XXXX  Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX  XXXX  Original creditor : XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  XXXX XXXX  L Original creditor : XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX XXXX  XXXX  Original creditor : XXXX  XXXX XXXX  XXXX  C/O XXXX  -Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  & Original creditor : XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-09-23
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: JPMORGAN CHASE & CO. (NE)

My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
Chase Auto Finance XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (CA)

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2017-09-23
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)

Equifax mismanaged, misused, negligently, and, perhaps even unlawfully, exposed my personal, biographical, and credit information without my consent. 

While I understand Equifax itself was a " victim '' in the hack too, Equifax 's confounding and belated response and incompetent security measures means its problems were largely self inflicted. 

Indeed, imagine the depravity and gall of a man who XXXX XXXX XXXX then complains after the fact about being an XXXX ; this is the situation Equifax finds itself in. 

Moreover, Equifax had the brazen boldness to charge me a fee to freeze my credit file. Why should Equifax profit from its incompetence?
Consumer complaint received 2020-11-27
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: WELLS FARGO & COMPANY (TX)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (MO)

The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 )  XXXX {$820.00} 3 ) XXXX XXXX {$120.00}
Consumer complaint received 2019-06-03
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. (CA)

The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.
Consumer complaint received 2019-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (NJ)

XX/XX/19 XXXX through PNC Bank {$290.00} to XXXX Reached out to PNC Bank, they won't reverse nor even assist. 
Requested the amount back from XXXX failed to comply.
Consumer complaint received 2019-06-03
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. (CA)

About XXXX of last year I attempted to get my credit report through XXXX I had trouble getting my credit report from any credit reporting agency. 

This year, around XXXX, I tried again. I received my XXXX credit report and noticed that the social security number being reported was incorrect. I then called and told them the error and they were very helpful. They fixed it in a few days and sent me a new credit report with the fix. 

I then tried to fix it with XXXX and online but was told I needed to send in a copy of an ID and my SSN card for verification. I sent my letter and copies to them XX/XX/XXXX. I called them in a week or two and was transferred to a representative who was able to make the fix. I received a new credit report with the correct SSN. 

I also tried to fix it with Equifax. I was also told by them to send in a copy of an ID and a copy of my social security card. I called them in two weeks and they told me I could not see the progress of my investigation. They told me to wait for 30 days for a resolution. I waited and received a letter in the mail. The results of the investigation said " the worker ID number is issued by the social security administration for work purposes only. The number is not issued by the social security administration as a social security number ... contact the social security administration concerning changing/updating the social security number currently reporting on your Equifax file '' ( document attached ). 

On XX/XX/XXXX, I reached out to the social security administration and they confirmed that the social security number on my card ( although for work purposes only because I received it through XXXX ) is my social security number. I think the Equifax employee must have mistaken it for an XXXX, regardless, it is my valid social security number. 

I reached out to Equifax the same day and they said the dispute was complete and I would have to submit a new one. I tried logging in online to submit a new investigation but I was unable to, rather I would have to send it though mail again. 

I have already sent in the required information for them to be able to fix the incorrect social security number that they have.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Aargon Agency, Inc. (NV)

This was opened in XX/XX/2017. I have asked they agency to itemize the debt along with providing my signature to allow my medical provider permission to share my information with a third party. This is a HIPPA violation, and they agency has never been able to respond appropriately