davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mr. Cooper Group Inc. (FL)

XXXX XXXX ... My wife and I purchased a home ( XX/XX/XXXX Closed on the Home ) ... we went through Champions Mortgage ( Seminole Branch ) originally. The loan was denied 2 weeks prior to closing ( we were sent a Denial Letter ) and my wife and I found a different Lender ( XXXX ) and completed the purchase on XX/XX/1st2019. On XX/XX/30th2019 I received an email from Champion Mortgage Processor that included an autorization form for Fees they want XXXX and I to pay. I contacted Champion Mortgage stating the charges are unwarranted. A XXXX XXXX ( Branch Manager from the XXXX Branch ) contacted me via email ... I responded and she did not reply. I am a client of XXXX XXXX XXXX XXXX  XXXX XXXX  ( XXXX ) so I contacted XXXX XXXX XXXX the Center Manager yesterday XX/XX/XXXX to inform her of the issue. Mrs XXXX took charge and was contacted by XXXX XXXX and informed that this charge was a mistake and that Mr XXXX XXXX from Champion Mortgage was fired due to this matter. I did not receive any email from Mrs XXXX concerning the issue. I called today XX/XX/XXXX and spoke with Mrs XXXX and she apologized ... but when I asked her to email me with the apology and provide in the email that the charges are invalid ; Mrs XXXX was not happy. She the PROCEEDED to contact my Employer, My Boss at Work to discuss with my employer!!! UNREAL!!!! I find this action  beyond ludicrous and 100 % unacceptable. This Company needs to take action against this Branch Manager who is  going around contacting former clients employers. I am beyond upset and I request a formal investigation. XXXX XXXX XXXX XXXX Any and all documents will be provided upon request.
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (NY)

OnXX/XX/XXXX XXXX notified both me as owner and Arvest that the insurance policy was in danger of lapse due to non-payment. On XX/XX/XXXX, I spoke with both Arvest and XXXX and it was determined the check was returned to Arvest on XX/XX/XXXX. 

I also followed up with a call a week later to ascertain if the policy payment was received. It was not, and I was told by Arvest that the payment would be resent to XXXX. 

Here it is XX/XX/XXXX and XXXX still has not received the insurance payment covering the property for loss, both physical and rental income for this rental property.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: STERLING BANCORP (NY)

My name is XXXX XXXX, I live in new York and I want to report a Sterling National Bank customer who wants to take advantage of me. 

I posted XXXX XXXX on XXXX for sale and someone by name XXXX XXXX reached out to me to buy my laptop. 

Since we both live in new York, she came to my address in XXXX to pick it up and said she would pay through her card. I needed cash but she declined and she sent the payment using er debit card to a fundraiser I was running for my cousin " XXXX XXXX XXXX ''. 

She sent the payment in tranches and then picked the laptop and left. 

As part of documentation to avoid chargeback, I asked for her ID which she submitted a scanned copy in my shop for a proof that she made the payment. 

The reason why I am making this report is that yesterday, XXXX XXXX called me on phone and threatened me that she will report the transactions as unauthorized to her bank so that she can get the money back and leave me in negative. 

She said she has been doing the same to other online sellers. 

So I am making this complaint officially to her bank to be aware that the charges were authorized and they should be aware of XXXX XXXX fraudulent life with online sellers. 

I will submit her photo ID here as a proof including a selfie of her holding her ID which I told her to send a copy as a proof. 

Her email is XXXX and her phone number is XXXX The card she used in my online shop to pay me when she visited me ends with XXXX and is a XXXX
Consumer complaint received 2021-11-02
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DC)

I have reported multiple times to all Credit Reporting Companies XXXX XXXX, XXXX, and XXXX ) that Navient Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because Navient keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to Navient and no changes.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (NJ)

I was wrongfully terminate due to 6 surguries and infection XX/XX/2011.DATE OF accident INSURANCE CLAIM OF BENFITS TO CARD WAS FUARDED COURT judgrment Resold collection claim to modernity. Lawyer and proff of records i was fuared XXXX XXXX XXXX XXXX, Employment of benefits. Im told by my new lawyer now im better to requesting to discover copy of credit file and 3rd party listed 2 times address change records i didnt request change
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (WY)

I called Great Lakes Student Loans about additional payments that were added to my account. I was keeping detailed notes about what I owed due trying to pay off my student loans account. Also, on XX/XX/2019, I sent Great Lakes Student Loans a letter detailing and disputing additional fees on my account. 

Namely, On XX/XX/2019, I had a total owed balance of {$5900.00}. 

On XX/XX/2019, I paid an additional amount of {$400.00} leaving a total owed of {$5500.00}. 

On XX/XX/2019, my owed balance was changed to {$5600.00}. Great Lakes Student Loans had added a total of {$160.00} to my account. There was no record of any change on my account except that Great Lakes Student Loans had changed my balance. I was not notified in anyway that there were additional charges or what the charges were for. 

On XX/XX/2019, I made a payment of {$43.00} leaving a total listed balance of {$5600.00}. 

At this time, my balance should have been {$5400.00}. 

On XX/XX/2019, my balance was again changed. The new listing was {$5700.00}. Great Lakes Student Loans added an additional {$120.00} to my account. Again, I was not notified and there were no records of any changes listed on my account except that my balance had gone up. 

On XX/XX/2019, I paid an additional payment of {$1000.00} which should have left me with a balance of {$4400.00} On XX/XX/2019 I made additional payments of {$350.00} and {$750.00}. My total owed balance should be {$3300.00}. However, my balance is {$3600.00}. 

As of XX/XX/2019 I have not heard back from Great Lakes Student Loans.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (TN)

On XX/XX/XXXX I paid Discover {$4300.00} to pay off a balance transfer offer that ended this same day. In my haste, I misread my statement that stated I in fact owed {$4300.00}, leaving {$81.00} to accrue interest beginning XX/XX/XXXX. I made another payment on XX/XX/XXXX in the amount of {$200.00} which should have satisfied this interest-bearing amount. I didn't notice the interest charged until my XXXX statement was available on XX/XX/XXXX. Being a holiday weekend, I waited to call Discover on XX/XX/XXXX. I spoke with XXXX for roughly 40 minutes, during which, she was unable to provide me with an explanation other than " that's how interest is charged. '' If you calculate the daily interest rate ( 0.1599 / 365 ), based on the number of days between XXXX ( 26 days ), the interest charge should have been roughly {$0.00}. After not addressing my concerns, XXXX transferred me to " someone else that can help you understand how to calculate interest. '' I was greeted by XXXX in the " Delaware Center '' who identified herself as a supervisor. She asked how she should help, but the previous representative had not transferred over any notes or my concerns, so I had to explain myself again to XXXX. XXXX proceeded to tell me that my billed statement was " incorrect '' and does not show the " average daily balance. '' However, when I challenged her on where the consumer could get this information outside of their physical billed statement, she said " you'd have to call in for that. '' Knowing I was getting nowhere with XXXX, I thanked her and called back to determine the amount currently bearing interest according the Discover 's " average daily balance '' which was told to me to be {$270.00} - a far cry from {$81.00}. This amount included a total interest amount of {$4.00}. I made a prompt payment in the amount of {$270.00}.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

This started with a credit card charge being questioned for fraud. I received a call on XX/XX/2019 at XXXX XXXX  EST asking about a charge on the card that could be potential fraud. 

I called the Chase fraud department the following morning, XX/XX/2019 at XXXX XXXX EST and spent 20 minutes on the line and got the charge approved and cleared.

A few hours later I go to login to my Chase online account, that is locked. I call again, XX/XX/2019 at XXXX XXXX EST to have that unlocked and spend 40 minutes on the phone. 

I go down to the bank to pull money out of the ATM using my debit card, my debit card is locked. I go into the bank location, XX/XX/2019 at approx XXXX XXXX  EST and ask them to please unlock my card, the Officer/Relationship Banker, at the bank location calls someone internally at Chase. Has my bank debit card unlocked, I ask him if there are going to be any further issues regarding my accounts. He asks the person on the phone, they state no there should be no further issues. 

Neglecting to mention to me that my Chase Sapphire Reserve card being locked for up to 10 business days. 

So I go out to dinner and go to pay using my Chase Sapphire Reserve card, it is declined. I call the number, XX/XX/2019 at XXXX XXXX EST, on the back of the card, the lady explains to me that my account is locked for fraud investigation, but won't tell me anymore. 

I pay for my dinner with another card and call the number I had been given earlier for the fraud call I made first thing in the morning, this call is made XX/XX/2019 at XXXX XXXX   EST. The lady that answers the phone gives me more details and says the account will be locked for the next 10 business days and that there is nothing she can do about it and I need to contact the fraud investigation department directly, but that they are closed until the morning. 

This is unacceptable. Having ALL avenues of access to my accounts blocked is NOT acceptable, especially with no notice. Not through the secure messaging on the website, no phone calls, no nothing. 

Why wasn't I notified during ANY OF THE POINTS OF CONTACT DURING THE DAY?!? 

I initiated 4 phone calls and 1 physical point of contact at a branch location! Not one person could tell me that my card was locked for 10 business days?!
Consumer complaint received 2022-08-19
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: Cascade CISS Holdings, LLC (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT NONE OF THESE INQUIRIES BELONG TO ME AND IT'S RUINING MY LIFE
Consumer complaint received 2019-11-07
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 checked my credit reports to verify my personal information. Im unable to dispute the incorrect personal information via XXXX, Equifax or XXXX  website. 
My name and SSN are wrong. 
My name is XXXX XXXX XXXX, not XXXX. 
My SSN is XXXX. 
My DOB is XX/XX/1987. 
My address is XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

Sent via mail on XX/XX/XXXX a letter to Navient along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
Consumer complaint received 2019-11-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (DC)

My Wells Fargo ( XXXX ) home mortgage ( # XXXX ) in XXXX was paid off in XXXX. In XXXX XXXX XXXX sent me a refund of a rate lock extension fee ( {$1500.00} ) plus interest for XXXX years ( {$150.00} ) plus compensation for loss of use ( {$140.00} ). The interest for XXXX to XXXX seems fair but the compensation for loss of use for the ten years XXXX to XXXX, is not adequate. A fair compensation for loss of use of {$1500.00} for 10 years should have been closer to {$1000.00}, not {$140.00}. 

XXXX rejected my request to explain its calculation of the loss of use calculation and rejected my request for additional compensation. I trust the CFPB can help me.
Consumer complaint received 2022-08-19
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. (AL)

In accordance with the Fair Credit Reporting act ( Account, XXXX XXXX  Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason. and they hold my money for 180 days even my costumers got all the items the ordered and they happy with it. and paypal try to stole my money for 180 days after they got all the fees. my paypal email XXXX XXXX
Consumer complaint received 2017-12-13
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (MO)

XXXX with XXXX XXXX XXXX at phone number XXXX is harassing third parties connected to me by constantly calling them to obtain my location information after they have informed her that they do not know any of my information.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

15 U.S. Code 1681i - Procedure in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies. 
Dtae opened balance XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by thujes party and not original furnisher XXXX XXXX XXXX inccorect name of company XXXX XXXX XXXX XXXXXXXX different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (IL)

Approximately XX/XX/XXXX I received a letter from XXXX XXXX XXXX  saying welcome they would be taking over my mortgage. I found this very odd and requested documentation proving they indeed bought my mortgage or was assigned to the title as the new lien holder I was never sent anything in writing proving such so XXXX approximately XX/XX/XXXX they begin to report on XXXX XXXX and XXXX credit burueas stating I open an account with them in XXXX which is an absolute untruth as well as a fraudulent statement when questioning them about it I was told it would be removed and the only thing they did was change dollar amount and also had a company called XXXX XXXX run a hard pull through XXXX XXXX which I disputed and was never removed I was told by them XXXX ordered the hard pull and if I felt it was fraudulent theyd just make it a soft pull which is also fraudulent and an untruth. 
XXXX has never been assigned to my title or recorded of deed I went to my county processor office to verify I also have satisfaction of mortgage documents from XXXX mortgage company saying debt was paid in full and satisfactory I would like XXXX to be charged for fraudulently reporting on my credit report in which they have no merit or ownership to do such my credit is in jeopardy every time they report the amount owed differently its been 3 changes since XX/XX/XXXX on my report by them I was referred to youll because credit bureaus disputes XXXX enough to stop or block them Ive never signed any documents or never taken a loan out in XXXX with XXXX if theyre the owners of the mortgage they have never been assigned to title as well as Ive gotten satisfaction or Mortage recorded with the XXXX county assessors office
Consumer complaint received 2021-04-07
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: WELLS FARGO & COMPANY (CA)

XXXX  is acting fraudulently on behalf of Wells Fargo by not properly investigating my dispute proving that Wells Fargo had fraudulently misrepresented and reported payment dates regarding a collections account against me stemming from a 2018 fraud investigation I opened in which Wells promised to investigate for months and then closed my Credit account and sent to a 3rd party collections agency without my knowledge. XXXX  keeps closing my dispute and judging on behalf of Wells Fargo and when I ask them if they looked at my documentation they said no and when I ask them if Wells Fargo responded with documentation they told me that Wells Fargo does not have to and that they responded by saying their report to the Credit Bureaus is correct when in fact it is not.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (DC)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

I bought four XXXX watches from Best Buy using the Best Buy credit card all four items should be delivered on the same day in this case when I get home I only see two items at my door I called Best Buy about the issue they said they can refund me Reship the item I asked them to re-ship the item if its available they said they reach out back to me when they reach out to me by email its a refund they issued to me on XX/XX/XXXX from XX/XX/XXXX till now I have not seen that money going back on my Best Buy card I called the bank about it they keep on transferring me to Best Buy having me on all for 1 to 2 hours and cut me off at Even text them on their app and theyre stating that theres a refund issued out but I am not seeing that refund Till the representative asked me if I report the case to the police yes I have report the case to the police and they have done the investigation and saw that its all going to item was delivered that day I dont know what scam game Best Buy is doing what they need to resolve this issue
Consumer complaint received 2019-11-06
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)

I disputed two accounts over the summer in XXXX/XXXX  that are both XXXX $ each. Equifax removed them XX/XX/2019 and I now I checked my credit XX/XX/2019 and their both back on.