davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I made a payment of {$260.00} to PayPal Credit. My XX/XX/XXXX statement listed a XXXX balance of {$480.00}. During the month of XXXX, I charged XXXX purchases totaling {$170.00} called " standard purchases '' that are accruing 26.99 % interest. My entire payment of {$260.00} was applied to the no-interest balance of {$480.00}. This balance will not begin to accrue interest until XXXX of XXXX. The Card Act of XXXX requires that credit companies apply any amount over the minimum payment to the highest interest balance, which means that at least {$230.00} should have been applied to the high interest purchases. The XX/XX/XXXX statement that I have attached shows that the new no-interest balance is now {$250.00}, meaning my entire payment was applied to that balance. I contacted XXXX on XX/XX/XXXX and spoke with a customer service representative located in XXXX and she did not understand what I was saying regarding the law in the United States. She told me that when I make a payment, I have to CALL XXXX and ASK them to apply the payment to the higher interest balance. That is not my understanding of The XXXX XXXX of XXXX, which requires them to apply any additional funds to the high interest balance automatically- the consumer does not have to call the company to ask that they follow the law.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I initiated a transfer of XXXX from Venmo to my checking account on XX/XX/XXXX. Venmo says the transfer is complete. My bank never received it. Venmo says there is nothing they can do and they are keeping my money.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Last XXXX, my wife received a letter from US Bank. If you open a new checking account, and with direct deposit {$5000.00} more within 60 days, you will receive {$400.00} bonus. I called the US bank to confirm that I didn't receive the letter, can I open a new account to get the reward. The representative said that you can open the account on line and use the promo code : XXXX to have a same reward. 

I opened a new account on line on XX/XX/XXXX, and direct deposit {$6100.00} through my employer before XX/XX/XXXX. Those will qualify to get {$400.00} bonus. 

But I didn't receive any bonus. I called US Bank many times, they said that you will receive the bonus because the computer system will take time. I keep calling every couple of weeks. They gave me different answers. 

In XX/XX/XXXX, I went to US Bank Branch in XXXX, Ca. She said that she will research the issue. She gave me an answer is that the reward gives the letter receiver. 

I explained to her. She does not want to listen.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TX)

XXXX ACCOUNT # XXXX XXXX HAS BEEN BEEN REPORTING INCORRECT INFORMATION REGARDING MY CREDIT SINCE XXXX XXXX. 

XXXX XXXX ACCOUNT # XXXX IS REPORTING INCORRECT INFORMATION FROM MY EMAIL THAT THIS ACCOUNT WAS CHARGED OFF OWNING {$0.00} BETWEEN ME & THIS CREDITOR AS OF XX/XX/2021. I HAVE EMAILS SHOWING THIS INFORMATION FOR BOTH INACCURACIES OF THESE REPORTINGS XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

on XX/XX/2022 I received an email about my Synchrony XXXX. It informed me my payment was late. I have all my credit cards set up on auto pay. I checked my credit card account to see if it was setup for autopay. It had XXXX as the account number for my XXXX XXXX  it should of been XXXX instead. I went in and paid the owed amount of {$170.00}. Then Synchrony closed all my accounts through them they closed XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and Synchrony Master Card. Spoke with Synchrony told me the closed the accounts because of that XXXX credit card. Never been Late on any of these cards except for the XXXX XXXX, I believe it was Synchrony who set my auto pay up. I gave them the information. The girl said my accounts where closed because of the wrong account number. I checked all my other accounts with Synchrony and they have been paid the ones that are XXXX. How can you close an account I have never been late on the mistake is corrected. I believe I just turned XXXX on XX/XX/XXXX and I think they are doing this because of my age,
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

2 weeks ago I called Transunion to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

I am authorized on my spouse 's credit cards. The cards used to show up on my Equifax report. In the span of one month, all cards were removed from my credit report. This is not an issue with any other credit reporting agency. Only Equifax.
Consumer complaint received 2016-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (MA)

This is the same debt that was from another Collection Agency, XXXX XXXX, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

STELLAR RECOVERY INC is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

The bank approved the mortgage and commited to buy an illegal property by ignoring the clauses of the sales contract and putting me at risk with my family. Which is a fraud mortgage. 

I lost a lot of energy and money and did not get a compensation and refund. 

In XXXX buying an illegal kitchen and bathroom is illegal and XXXX of garage to living space is a crime without permit. 

But bank has approved mortgage and commited to finance this which might put me to a big trouble by their fraud. 

After realizing that, bank withdraw the commitment without giving any notice and ignoring to respond to all queries to make the correction on the commitment. 

Chase advertises closing guarantee in less than XXXX weekends if not they pay {$5000.00} as a penalty. 

They ignored all the facts even after I emailed and provided the documents that the mortgage is approved by Chase is totally illegal and it maybe a crime!
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

I received an email from my bank about suspicious activity on my account. There were multiple attempt to buy bitcoin with my debit card on Coinbase, a company for which I have no account. They tried multiple amounts {$1.00}, {$50.00}, $ {$100.00} .... and the only one that went through was the charge for {$100.00}. I talked to my bank and they said that they could try to get my money back through dispute form but there are no guarantees of actually recovering the funds. I called my states Department of Financial Institutions to also get some advice and was told that the process would XXXX long>. I just thought that this would be a better platform to help. I have tried several numbers and several chat platforms that supposedly belong to the company with no success. Since I don't have an account I can not receive any type of LIVE help. Please advise next steps.
Consumer complaint received 2022-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Re : {$28000.00} Shellpoint Mortgage Discrepancy & Other Matters Loan # XXXX XXXX XXXX To Whom It May Concern : I received a Shell Point payoff notice, dated XX/XX/XXXX with a total payoff amount of {$100000.00}. Please see Exhibit A. The notice lists a Principal balance of {$79000.00} and Deferred Principal of {$28000.00}. I dispute the deferred principal balance of {$28000.00}. 

On or about XX/XX/XXXX, I received my XXXX Form 1098 ( Mortgage Interest Statement ) for the tax year ended XX/XX/XXXX. Please see Exhibit B. In box 2, the Outstanding Mortgage Principal is listed as {$80000.00}. This amount appears wrong. How did the principal balance increase by {$830.00} from {$79000.00} to {$80000.00} from XX/XX/XXXX to XX/XX/XXXX. It's my understanding the principal balance should decrease each month after a payment. Nevertheless, this is the document that was reported to the IRS and there is no Deferred Principal listed. Also, after making at least 2 more payments during XXXX, Shellpoint has not explained to me how my principal balance increased instead of decreasing for payments made in XX/XX/XXXX and XX/XX/XXXX respectively. 

Enclosed is a copy of my Mortgage Statement from Shellpoint, dated XX/XX/XXXX. Please see Exhibit XXXX The mortgage statement lists an Outstanding Principal of {$79000.00} and Deferred Balance of {$28000.00} ( total - {$100000.00} ). I again dispute the deferred principal balance of {$28000.00}. 

I need help in obtaining my true and correct mortgage balance from Shellpoint! 

If there are any questions, please call me. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

Following up on my original complaint # XXXX, which Mr. Cooper failed to address and which the CFPB merely closed with no resolution .... 

Mr. Cooper continues to refuse to make any accommodation on our mortgage. We are currently in the short sale program, which Mr. Cooper insists must be run through XXXX. This appears to be a delay tactic rather than a solution. 

Mr. Cooper continues to ask for the same documents that we have sent them more then 6 times in the last year and is utterly refusing to consider numerous short sale offers that would resolve this debt. 

I am attaching an example of the correspondence between Mr. Cooper and myself ( the borrower ) showing their utter inability or unwillingness to process a short sale request. They have ignored ongoing inquiries and offers submitted by my realtor. 

They failed to address the deed in lieu I requested beginning in 2019 and due to Mr. Cooper 's delays, the USDA has rejected the deed in lieu solution for not being timely requested, despite the fact that I requested it in time. Mr. Cooper ignored my requests until the request was no longer timely. 

Now they are refusing to process short sale offers, by recycling the same questions and requests over and over again through a never-ending cycle of hiding behind underwriting as an excuse not to consider reasonable offers on the property.
Consumer complaint received 2022-11-16
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: GOLDMAN SACHS BANK USA (IN)

On XX/XX/2022, my GM Rewards Credit Card by Marcus at Goldman Sachs was charged in the amount of {$470.00} by a merchant that I did not recognize and was unaware of - it was an unauthorized charge ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ). Upon realizing this, I raised the issue to Goldman Sachs and they temporarily refunded the disputed amount while they investigated. Today, XXXX XXXX, 2022, I received notification from Goldman Sachs that my dispute claim was denied because the " merchant was able to provide sufficient evidence. '' Goldman did not explain or show me the evidence that was provided to them. I'm a consumer and am simply trying to dispute a charge that is fraudulent and I don't recognize. Yet, I'm being penalized by Goldman for this charge and am now being charged for {$470.00}. My account ends in XXXX and the dispute ID is XXXX.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TN)

I opened my app for my Apple Card to see if I owed. It said XXXX payment is due. I clicked on it and it asked me for my thumb print. Next thing it showed was two payments were charged to my bank. On for around {$50.00} and another for over {$2000.00}. It also showed it already took XXXX payment a few days ago as well. I contacted Apple and they told me they cant return the money or cancel the payment even though I didnt agree to it. I can submit a dispute and they might refund the money. However I dont have {$2000.00} in that account and it is going to completely over draft my account. I didnt agree to these charges and they stole money I do not have! The bank is going to charge me so much for this.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in  accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-27
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. (TX)

I have not received any information on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have sworn testimony from my end which I would gladly present in court if we need evidence of my trying to rectify the subterfuge that you are reporting. ***** ( copied form the attached affidavit ) *******
Consumer complaint received 2019-12-27
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. (MN)

Attached to this complaint is a police report and identification information for Equifax Office of Consumer Affairs Department to review. The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX, {$560.00}, and XXXX XXXX  XXXX Credit Card, {$1800.00}. The following accounts/cards are lost/stolen : XXXX XXXX Credit Card, XXXX Credit Card and XXXX XXXX XXXX XXXX Credit Card. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2019
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (SC)

This complaint is about Better.com. 

I recently closed a ReFi with them on XX/XX/2021. They collected the property taxes of amount {$3700.00} during closing from me but this amount was neither paid to the county nor transferred to the new loan servicer ( XXXX XXXX ). 

I am made several attempts to resolve this issue with Better.com, emailed several members of their funding team, but not getting any responses for resolution. Looks like they are just ignoring the issue and no one is willing to help. 

Please help me resolving this issue with the company.
Consumer complaint received 2019-12-27
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. (TX)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ******* ( copied form the affidavit ) ******
Consumer complaint received 2022-01-21
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)

I reported to the credit reporting agency that they're violating my consumer rights by reporting private information and also that I did not consent to it being reported. They claim they verified the debt and continue to keep reporting it. The agency did not verify the debt with me nor state who they verified the debt with.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

They have given me enough mental torture as of XX/XX/2022 one of Executives on recorded line said after submitting affidavits I will get my money back now they are not honoring their own words Im tired of their tricks and I swear under oath they were fraud unauthorized XXXX transactions as of XX/XX/2022 please help me.
Consumer complaint received 2022-08-04
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: Bread Financial Holdings, Inc. (IL)

I filed my complaint on XX/XX/22, XXXX XXXX XXXXXXXX responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION
Consumer complaint received 2022-11-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EQUIFAX, INC. (NM)

Equifax has taken XXXX payments from my XXXX account unauthorized. I have called XXXX times and have been promised a full refund to just be hung up by the supervisor making the refund. On there site they do not allow me to cancel this unauthorized account. I am owed XXXX payments {$19.00}. Please help. I am so frustrated.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I reached out to the credit bureaus to remove the following inaccurate names listed below. No action has taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, An amount of {$280.00} was charged to my checking account by XXXX XXXX XXXX XXXX XXXX. I clarified that this transaction was unauthorized, but since I may have ( or the agent at Wells Fargo ) mistakenly stated that " I never received the items purchased '' now Wells Fargo will not recover the funds even after I clarified afterwards that the transaction was not authorized. 

I received an unsatisfactory response from Wells Fargo as if my complaint was not comprehended. The response ( attached ) did not acknowledge the fact that a mistake has been made in regards to the transaction. Wells-Fargo stated that, " We reviewed the interaction had with our XXXX Banking XXXX XXXX XX/XX/2022, when you filed the claim, and we can confirm that you verified multiple times that the transaction was valid and authorized, but you didnt receive the merchandise purchased. '' Me saying that it was an authorized transaction was the mistake. Are you telling me that mistakes are not allowed? 

Like I said before, it was a mistake. This transaction was mistaken with a different transaction.
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/21, I sent a letter pointing to inaccurate and false accounts reporting on my credit report. It has been almost 60 days and nobody has yet to respond to my disputes on the matter. According FCRA 15U.S.C. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall be deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 U.S.C. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ), causing me stress and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX  Data Breach or I will file for litigation.