davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I made a payment to my credit card with Citizens Bank. It covered the entire balance due. When reviewing the activity on my Citizens checking account, XX/XX/XXXX, I didn't see a payment pulled and around XXXX and accidentally made a double payment to the account. 

Soon after I called Citizens and asked them to remove the double payment, knowing that it could cause an overpayment in my checking and issues with vendors. I called the credit card number and they said sorry can't do anything, XXXX, call back when it clears. 

It cleared on Tues and I called them, then they said 3-5 business days. 

What I think is egregiously illegal is they should be aware and follow Schedule E. They slapped multiple overdraft fees on the account on Wed. It's their bookkeeping error and have still refused to correct the problem. From my research thats a clear violation of Schedule E. 
( An employee left a VM on Tue and acknowledged the problem, so, no, they weren't researching anything. I have a lot of data to prove my contention ) While I don't like the stress and inconvenience, my hypothesis is that they harm others that can't stand up to them. 

They probably make billions of dollars and won't care about extra money that they have to pay to account for their actions.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year>, I called Wells Fargo to inquire about the Reference Numbers for the compensation payments linked to them illegally enrolling me in Identity Theft ( XXXX  ) products. The agent I was transferred to ( XXXX ) refused to research my account to give me the reference numbers so I could fax my Mediation paperwork. The previous agent that transferred me had given her the 3 reference numbers that I needed. XXXX ended up telling me that she accidentally deleted the reference numbers and that there was no way for her to find them again. We argued a total of 20 minutes before I decided to simply hang up with the disgruntled employee. Refusing to provide critical information to customers is further evidence of how dishonest and unethical Wells Fargo is. What is even more amazing to me, if that I called back a few minutes later and spoke with a Tier 1 rep, named XXXX, that waa able to give me the missing reference numbers within about 30 seconds. Why did XXXX refuse to do something that she is legally obligated to do? XXXX actually told me that because I misplaced my reference numbers, I was XXXX out of luck for trying to get any form of compensation.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

I got a XXXX credit card in XXXX of XXXX, my first purchase was never received and I was told the charges would be dropped off my account. I then tried to purchase an item in XXXX of XXXX, the item was not what I expected and was damaged, I reached out and was told to send back the item. I dropped off the item at the local post office and XXXX claimed to have never gotten the item back. They then sent back a legal affidavit for me to fill out and send back and I did that. After that I was no longer contacted and both, my closed and new account were sent over to LVNV Funding LLC, trying to collect {$440.00} on each account. I fought to dispute the accounts and they took them off my credit report, then in XXXX and XXXX of XXXX, they were put back onto my credit report. I have asked for both the purchase agreement and if they had on file the legal affidavits I was told to fill out and they refuse to provide those to me. Even after explaining to the collection agency that these claims were incorrect, I was told if I did not pay them, my credit score would be affected horribly. Which was correct, I had a credit score I was working on at XXXX to it dropping majorly to XXXX.
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (ND)

We have our mortgage with PennyMac, we have our flood insurance and homeowners insurance paid out of our escrow. 

XXXX XXXX Sahn from Penny Mac had called me at XXXX XXXX  to inform that they had paid a flood insurance payment out of escrow but they had paid it to the wrong policy, ( a completely different account holders policy ). This resulted in " non-payment '' of our flood insurance policy and was cancelled. Penny mac had made the error in XXXX of XXXX and called us in XXXX of XXXX ( almost a year later ) to inform of the error. 

XXXX had sent an email ( see attached ) to our insurance agent admitting the mistake and to work with us to get a new policy, new flood insurance policy was in play by the afternoon of XXXX. 

XXXX XXXX had put a gap flood coverage plan in place for XXXX and will expire on XXXX. I had received a " notice of cancellation '' letter after I already had replacement insurance on file, letter dated XXXX. ( all XXXX letters from Penny Mac are attached below ) We have never had a missed payment with our mortgage or insurances since we have had PennyMac services.

Since this was an error on Penny Mac part, which was admitted in email to insurance company. We are being charged gap coverage and fees due to the " cancellation/non-payment ''. 

I spoke with XXXX XXXX on XXXX at XXXX with Penny Mac and a ticket was submitted on my behalf to rectify the situation the request was as followed : XXXX obtain the XXXX that was paid to incorrect party back as a credit to our escrow- this was completed I believe XXXX. Reverse any gap coverage amount and fees ( XXXX for the gap coverage and possible fee of XXXX ( see letter dated XXXX and XXXX from Penny Mac ) I spoke with a supervisor XXXX and again reiterated that it was not the fault of us that a payment was made to the incorrect policy. She did state that a ticket was entered and will be finalized by XXXX and we will get a call from Penny Mac. 

XXXX I called Penny Mac at XXXX and spoke with XXXX, he said that the ticket was closed out on XXXX and that the outcome of the review is that XXXX as the consumer would be responsible for the gap coverage and fees, which is a total of XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS CAVALRY PORT XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from CAVALRY PORT WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

I paid and settled my debt I ask would it be immediately taken off my credit they said yes its been ample enough time and still no deletion. In order for us to have no further problems I would like them to manually delete this from my credit. As they should have not told me. It would be deleted so soon.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an offer on my Banking Online from Bank of America that was either a Cash Advance or Balance Transfer with a 3 % fee if I applied before XX/XX/XXXX. I have been monitoring the promotional offer on my app for more than two weeks ( just waiting to be ready to request it ). However, on XX/XX/XXXX, when I finally decided to go through the promotional offer, the interest rate was changed to 4 %. The due date for the offer was kept the same, XX/XX/XXXX. I called the Bank, and I explained to them my arguments about the fact that the Bank had advertised the offer as valid until XX/XX/XXXX. They recognized they have changed the rate recently. I requested to talk to a supervisor but that was not successful. I firmly believe this is a false advertisement because they provided misleading and untrue information. Not sure if it was intended to or not, but they didnt respect what they had advertised already.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been a Bank of America customer 14 years. Inadvertently I underpaid the {$35.00} min pmt due XX/XX/24 by {$10.00} on XX/XX/24, card ending XXXX. The next statement I received for this card on XX/XX/24 stated a min pmt due of {$47.00} on XX/XX/24 including the {$10.00} underpayment. I received a XX/XX/24 letter stating my credit line on this card was reduced from {$8000.00} to {$2900.00}, evidently because I didn't pay the {$10.00} underpayment before XXXXThey also reduced my credit line on card ending XXXX from {$7500.00} to {$2100.00} on XX/XX/24. For that card I made a {$2400.00} on XX/XX/24 towards the {$44.00} min pmt due XX/XX/24 leaving a {$2000.00} bal due. To add insult to injury my XXXX cr score reduced from XXXX to XXXX and my XXXX cr score reduced from XXXX to XXXX on XX/XX/24 because of all the above. I have been grossly unfairly penalised by these abusive unreasonable actions taken by Bank of America. I ask you to help rectify these actions. I am XXXX  years of age and have never been so unfairly treated by a bank.
Consumer complaint received 2020-06-25
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 an account with XXXX/XXXX XXXX XXXX  that the date of first delinquency was in XXXX of XXXX. No payment was made on the account from the date of charge-off until XX/XX/XXXX when the account was settled after the charge-off. Paying off the account should not have affected my date of first delinquency. When the account hadn't fallen off after the 7 year reporting period, I submitted an online dispute ( in XXXX of XXXX ) to have the account removed from all three credit bureaus. XXXX   and XXXX both removed the account from my credit report, but Experian updated the account with new information changing the date of first delinquency to XX/XX/XXXX when the account was paid off, resulting in the negative account staying on my credit report until XXXX, meaning that this negative account will be on my credit reports for 10 years.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I called my bank Bethpage Federal Credit union to dispute a couple of transactions back in XXXX of XXXX, that were not made by me and I reported it as fraud. I explained to them that I never travelled to XXXX in my life and that the payments that were made in various super markets was not me. Then they gave me the money back and everything was fine until I received a letter in the mail on XX/XX/XXXX. Where they stated they were taking the amount back that they credited because they concluded it wasnt fraud. I went to the bank to try to discuss this again that my card info was most likely stolen and I began to demonstrate personal info as proof to show I was here at home at the time of these purchases. I did not hear back from the bank and I checked my account today XX/XX/XXXX and find that the account took my money without permission and now my account is in negative.
Consumer complaint received 2024-02-28
Product: Credit 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: Andreu, Palma & Andreu, PL (FL)

I had a XXXXXXXX XXXX XXXX ending with XXXX. They sold the account to a 3rd party called XXXX 
In XX/XX/XXXX, I saw a negative report from them on my credit report so I called the credit card to dispute it. I called again on XX/XX/XXXX and spoke with XXXX XXXX who said she can not accept any money at this time because theres a current dispute. I have to wait 30 days. I never received anything to this very moment. 
I told her that I have a snapshot on how much I actually owed on my account since the last time it was active. I emailed the screenshot of my last balance of {$1800.00}, but they refused to acknowledge this is the amount that I actually owed. Instead, I was told each time the account is transferred to another company it incurred fees. There was no help. Few days later I called again, I was told that the account was now sent to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I proceeded to call XXXX XXXX and spoke to XXXX XXXX who asked me to email him the screenshot at XXXX which I did. No solution was taken place. 

I need them to allow me to pay what I actually owed {$1800.00} with paid as agreed or paid to delete agreement. I never heard anything back from them since, they refused to help move forward with a definite solution for the problem. 

Please help me to have them remove the negative report from my credit report because it is hurting my opportunities to purchase a house. I can be reached at my email : XXXX or my cell ( XXXX ) XXXX. I give you permission to talk to my wife on my behalf as well. Thank you so much for your understanding. XXXX XXXX
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I was contacted by a person who goes by XXXX XXXX who stated that he worked with my mortgage company Amerisav Mortgage, He stated that he wanted to help me catch up on my mortgage and to avoid forclosure by sending him my escrow in the amout of XXXX via thru the mail or through XXXX Customer Service. He insisted that I was ready to be foreclosed so relunctantly I sent the money. I do have the receipts angoes by XXXX XXXX or XXXX and the number XXXX referance numbers from XXXX where the money was sent. I question him about it and he stated that I was gon na be set up on a 3 month trail and to for the next 3 months make payments as I did and not to answer any phone calls or talk to any one at Amerisav Mortgage, only to him. When I questioned hm about this, he became irate and hung up. I contacted Amerisav and they stated that that is not how they do business..As I stated he goes by XXXX XXXX or XXXX and these are th e 2 numbers he is using ( XXXX ) XXXX or ( XXXX ) XXXX. I'm mored than sure I won't get my money back but I wanted to inform someone so it doesn't happen to someone else.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I had originally reported this problem CFPB # XXXX. Wells Fargo decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I was notified via my XXXX credit report a debt collection company had been notified of a delinquent account ( XXXX XXXX - XXXX ) NOT created on my behalf. I have lived in XXXX since XXXX and was notified that the address used was at XXXX XXXX XXXX XXXX, TX XXXX and have never resided at that address. I have had identify theft prior to this with another energy company, XXXX XXXX and addresses were in XXXX XXXX  and again nowhere I have resided. That was disputed and resolved accordingly. I reached out to Credit Systems International to dispute this charge and they have received all paperwork including a copy of my drivers license and my FTC letter. This account was created in XXXX of XXXX and the amount I'm currently disputing is for XXXX with a utility debt at XXXX XXXX. The account number ends in XXXX. 

I appreciate your help in this matter and have since locked my credit to ensure this does not happen again.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp. (FL)

The companies listed below are reporting fraudulent inaccurate information on my credit reports with XXXX, XXXX, and XXXX. I have requested that they provide the " PURCHASE AGREEMENT '' to show full ownership of such accounts and also other documents so I May review them to see if these accounts belong to me. 

These are the companies that are currently reporting fraudulent inaccurate information on my credit reports ; Account name : XXXX XXXX XXXX Account number : XXXX Status : Account charged off. {$18.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Status : Account charged off. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (TX)

Certificate of Deposit account number - XXXX Account closed ( XX/XX/2024 ) within allowable period of maturity. 
Follow-up with customer care - XXXX ( XXXX ) reference number XXXX It's been over 30 days, and no check has been received. This is the second instance of BMO not processing the fund request related to CD accounts.
Consumer complaint received 2020-06-25
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. (FL)

Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXXThis is what is mentioned on the investigation report ( this response does not define / comply according to the law as to what they call 'Results'- this is rather a statement from Equifax and not a validation as requested by me. 

They have also asked that I notify the data furnisher 'USBK Court XXXX   Florida ' as well. I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX  Florida ' as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX  Florida ' asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX new account balance {$94.00}. Made minimum payment of {$37.00} on XX/XX/XXXX. XX/XX/XXXX late fee {$30.00} XXXX Checked account payment reversed not applied no explanation. XX/XX/XXXX {$2.00} interest charged. Made {$56.00} payment on XX/XX/XXXX. XX/XX/XXXX {$37.00} late fee. XX/XX/XXXX interest {$3.00}. XX/XX/XXXX paid {$43.00}. On XX/XX/XXXX $ {$3.00} interest. XX/XX/XXXX returned payment of {$40.00}. XX/XX/XXXX paid {$40.00}. XX/XX/XXXX returned charge {$30.00} XXXX XX/XX/XXXX return charge fee {$30.00} $ twice! XX/XX/XXXX $ late fee {$37.00}. XX/XX/XXXX. {$3.00} interest. XX/XX/XXXX late fee {$41.00}. XX/XX/XXXX interst {$4.00}. XX/XX/XXXX XXXX {$51.00}. XX/XX/XXXX interest {$4.00}. XXXX/XXXX paid {$100.00}. I never received notification of the payments not going through and reversed until recently. I made several phonecall to company trying to figure out why I couldn't make my payments the site kept telling me you can not make a payment because you have a scheduled payment. I never set up reoccurring payments and still was able to make the payment and if I could it was getting reversed without notification. All reps told me I had no scheduled payments so the payment should be made. Finally in XXXX I was advised I could pay in store which I was aware of and that there was a problem with my bank account. Took months to figure that out. I kept telling them it was going to affect my credit and my credit dropped XXXX points! Now I have derogatory marks for late payments on my credit! None of my other cards have not been paid on time! They ruined my credit score because of their lack of knowledge and no communication! Now I can pay online! Why! I couldn't before all this but now I can? I swear it was intentional if I didn't know better!
Consumer complaint received 2020-06-25
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: JPMORGAN CHASE & CO. (FL)

I have a card info in my credit report JPMCB CARD, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.