davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Here are the details of the one or more transactions you didnt recognize or had issues with Below is the info that the scammer is using on PAYPAL email ID Transaction ID : XXXX Transaction date : XX/XX/2021 Transaction amount : {$350.00} USD Recipient email : XXXX PayPal ID : XXXX XXXX XXXX XXXX This transaction was to purchase a XXXX XXXX from XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ). The seller requested I send a {$350.00} deposit via PayPal and stated to me that I specifically put it under " friends and family '' in PayPal, which I have paid. I did what the seller requested and agreed to pay the rest on pickup. The address they gave me XXXX XXXX XXXX XXXX XXXX XXXX, TX was false. The phone number that used to contact me via voice and text is now disconnected but still shows on their website. Their email address is XXXX, breeders ' names are XXXX XXXX and XXXX, and Paypal account holder is under XXXX XXXX. I have documentation on these conversations. They are using XXXX on their website to show they are legitimate. Their website is still up and running. I have no idea how many innocent families they must be scamming. They had a XXXX account that they used to contact me which is also been deactivated called XXXX XXXX XXXX.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (FL)

I Bank with XXXX and I was enrolled with zelle for my XXXX accounts using my phone number. After I was informed that XXXX was no longer offering zelle to XXXX customers who enrolled after a certain date, which made the service unavailable to me. Therefore I requested that my phone number be unenrolled from XXXX 's zelle payment system. XXXX informed my that my phone number was unenrolled from their system and should work at another financial institution. I attempted a number of times to enroll using my phone number with my other Bank and the Zelle app but was told it could not be done and that I needed to contact XXXX Bank. I contacted zelle and XXXX Bank customer service at several times each to try to resolve the issue. On my last contact with zelle customer service I was informed for the first time that my phone number had been placed on some kind of " restricted list '' for unspecified " violation of the zelle service agreement '' that prevents my number being used at any other financial institution. I was also told that XXXX was the only one that could have my number removed from this list as " they are in full control of this zelle feature in their app ''. I again contacted XXXX Bank and spoke to a customer service representative and a supervisor and was told that somehow in the process of being unenrolled my number was placed on this restricted list. The supervisor then informed me that they have no ability to remove me from this restricted list and they could not help me. I have attempted to conference call between zelle and XXXX customer service to resolve the issue. Unfortunately zelle customer service so far has been unhelpful and will not cooperate in trying to resolve the issue with XXXX so my phone number can be unrestricted for use with the zelle app or other banks.
Consumer complaint received 2022-01-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (AZ)

A couple of months ago or so I called Midfirst Bank of Oklahoma to inquire about opening a new checking account that offers a {$300.00} cash bonus for doing so. I talked to a XXXX and we went over the eligibility thoroughly a couple of times. 
She told me I could be eligible for all of this by applying online from XXXX, Arizona even though there are no Midfirst banks in this area. The closest one is in XXXX, Arizona, which is one hundred miles away. She assured me that I don't have to go into a branch to apply and get the bonus. 
I have applied several times over the time frame I mentioned above and I get a message stating the application can't be processed. It said nothing about being denied or approved. 
Their online banking department told me it could be a system issue on their end and to try to apply later, which I did. They never told me I was being denied, but that it may be a technical problem according to the message after submitting the application. I talked to several online banking employees and customer service representatives who told me the same thing and they didn't know what was going on. 
Then on XX/XX/XXXX or XXXX, XXXX, { I can't remember the exact date } after applying one last time and failed, I called them again and now they are telling me I must go into the branch to apply and it maybe a denial. 
I don't have a vehicle to drive one hundred miles to the branch and I take the city bus. 
This is not fair to get my hopes up and then have no option to help me from XXXX, especially during this virus situation where some bisnesses tell you they are there to help. And I could use the money since I only get about {$800.00} a month for Social Security. 
Thank you for anything you can do. 

Sincerely, XXXX XXXX XXXX XXXX XXXX }.
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (MD)

On XX/XX/21 I mailed a billing error/ cease and desist notice to First Progress and their registered agent Synovus Bank ( with attention to XXXX XXXX the current CFO ). Inside this letter I stated that this is my written notice that I have discovered a billing error on my account pursuant to 12 cfr 1026.13. I also stated that I believed with this discovery that the First Progress is conducting misleading practices with deceptive forms pursuant to 15 usc 1692e. Knowing my rights as a consumer I requested all documentary evidence according to their journal and ledger entries described in IRS Pub. 583 and that if there is a surplus that the amount over be directed to me the consumer in the form of a check. To conclude I also informed first progress that I was aware that while disputing this error no adverse action should be taken pursuant to 12 cfr 1002.2 ( c ). On XX/XX/21 both letters were delivered. Then on XX/XX/21 I attempted to check my account via mobile site and noticed First Progress had closed my account.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: K & B Capital Corp (FL)

Consumer Financial Protection Bureau ( CFPB ) CLOSING DISCLOSURE : FILE AND ESCROW # XXXX XXXX OFFICER/ ESCROW OFFICER : XXXX XXXX XXXX XXXX  : XXXX ID XXXX FL ID # MLD XXXX LOAN OFFICER/ REALTOR : XXXX XXXX XXXX # XXXX CONTACT FL LICENSE # As a 1st time home buyer, I was apprehensive about the entire process and relied on the professional services provided by my realtor and loan officer 's guidance and recommendations. I understood having a stellar credit and solid financial health is paramount to achieve the best result throughout the process. These measures were planned for and achieved.

During the purchasing process my mother had a serious health scare. As a health care provider my primary attention was shifted to provide ultimate care for my mothers full recovery. My realtor/loan officer was fully made aware of my overall situation. Therefore, I became more reliant on his guidance for a successful conclusion. 
Sadly, to admit, I strongly feel I was taken advantage due to my lack of knowledge with the purchase transaction followed by my mothers sudden health issues.

The issues that still lingers are as follows : 1. Why are my interest rates so high in accordance with my debt-to-income ratio and income/ employment stability?

2. Why did the lender and title company escrow 13 months of taxes ( {$7500.00} ) plus 1 year of advance payment for taxes?

3. Why did escrow take 1 year for insurance ( homeowners insurance ( paid in full {$2500.00} ) and 3 moths ( {$620.00} ) additional homeowners insurance escrow?

4. I was not advised the selection of the title insurance company is the responsibility of the buyer solely not my lender or realtor 5. I provided over 25 % down payment plus an additional {$87000.00} cash to close. Why is my cost of the loan so high including loan origination fees and points? 
Here Im over 1 month after the closing of my 1st home I still don't have a satisfactory answer to put my mind at ease regarding what appears to be inflated charges and inflated escrow account? I have attached exhibit 1 Closing Disclosure and exhibit 2 ALTA, regarding these questions?

My primary reason for filing this complaint is to ascertain clarity regarding the rules, regulations and laws established by your agency describes in RESPA covering section 6, 8, 9 and 10.

I trust the regulators will fully investigate my complaint and will provide the clarity I so deserve.

Thank you for looking into my complaint. Im confident and prepared to move forward with your findings.

Sincerely, First time home buyer
Consumer complaint received 2022-01-03
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. (FL)

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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: BARCLAYS BANK DELAWARE (WA)

About a year and a half ago, I was told by my previous credit card company ( XXXX ) that they had transferred my account to Barclay 's. They gave me a number to call for Barclay 's. I called and was told that there was no account transferred from XXXX. I waited a month and called again. Same result. I finally found an address for them and wrote to them. A card came in the mail about 3 months ago. I activated the card, began using it, and created an online account where I was managing payments and charges. Then I got another card in the mail, with a different account number. I haven't activated it because I don't want another credit card account. I asked them several times why I got the second account. I have not received an answer. In the meantime, they closed the first account. I have no access to using it for charges OR for making payments! Now, I got a letter in the regular mail telling me that I am being charged because my payments are being returned because the account is closed! 
So now, since the account is closed, I can't even send them messages. The attached message is the last one received by them where they try to explain " Bank Account Closure. ''
Consumer complaint received 2021-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AL)

No matter how many times I send them " tickets '' they refuse to answer the basic questions I have or even read the questions I asked. They simply send a link to whatever subject they decide to and then close the ticket without answering or solving ANYTHING. I've had no access to my account for YEARS and all they do is create another procedure I have to follow, change another rule or add two more steps I can't comply with to prevent me from gaining access. Or they simply send the wrong info and close the ticket. No matter how many times I tell them I CAN NOT LOGIN they simply send a link for instructions on changing passwords, etc that ALL START WITH " LOGIN. '' They've simply create a never-ending loop that can't be broken as long as they refuse to read the issues, and continue sending irrelevant links and closing the tickets. And since there is no phone support or direct support with a real person at any stage, I am forced to just keep putting up with whatever stupidity they decide to throw out next. I have even tried asking how to direct my attorney to deal with them and they simply send more links that I can't follow and not answer the question. It was my understanding that they are REQUIRED to provide legal information, but even if that's true, I don't see why they'd start complying now. 
They have made problems where there were none, and refused to answer the most basic questions. The last time we went through all this they said the phone number I signed up with when I opened the Coinbase account was no longer useable ( even though they continue to send 2fa codes to that same number even today ) and claimed I had to open yet ANOTHER account to access MY funds. I played along and attempted to do so and they refuse to help with that. It got as far as opening it and then they said I had a 2fa problem AGAIN when I was actually in the account and trying to make a transaction. No amount of trying to explain that was able to penetrate the thick skulls of the CS reps, asnd thus they continued to claim it was a 2fa problem. Eventually we moved into identification territory. They claimed that my ID had not been verified, even though I'm an existing account holder, but when I was directed to re-submit ID verification I was unable to LOGIN ( which EVERY SINGLE PROCEDURE REQUIRES AS STEP 1 ) and they refuse to do anything except continue to send links for instructions I can't follow.
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

During my refinance, I was required to provide proof of homeowners insurance. The proof I provided clearly shows it does not expire until XX/XX/XXXX. 

Now, in XX/XX/XXXX, the Mr. Cooper has purchased insurance for me. 

Their letter says they have a website where I can upload documents proving my policy. However, the website, XXXX XXXX XXXX is broken. The popup window says " You must enter your e-mail address and if available, make a selection regarding whether you would like to receive SMS messages before proceeding. '' But there is no box to select SMS messages. There is no way to proceed. I can not upload my policy and get this policy canceled.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report was checked today, XX/XX/22, and it is showing an inaccurate history of XXXX late payments on my report. There should not be any late payments shown on my account. Please assist in resolving this issue
Consumer complaint received 2021-10-23
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: EQUIFAX, INC. (TX)

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions of the consumer to whom it relates.US DEPARTMENT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, AND XXXX never gave XXXX, Equifax, or XXXX written consent or permissible purpose to report anything on my consumer report, in addition ti having not validated or confirmed with proof of certified mailing of a written consent in writing by me.. No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX, the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.
Consumer complaint received 2021-10-23
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: Navient Solutions, LLC. (OH)

Hello, I was approved for student loans from Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Throughout this time and for most of my life, my income is well below poverty level and my credit was adverse. I believe that Navient disbursed student loans to me, which I was not qualified to receive. I would like Navient to provide documentation showing my XXXX XXXX at the time of each loan application, which would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information will be necessary to review remediation options with Navient for my outstanding loans.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted lawful factual disputes due to inaccuracies on my credit report, but Transunion and the data furnishers will not correct or delete the accounts as required by law.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

This debt collection appeared on my XXXX, XXXX, XXXX Credit Reports just recently. I do not have a XXXX account and I do not owe them any money. I have been having fraudulent activity to all my accounts, perhaps this is more of the same. It lowered my score. 

Company - EOS CCA XXXX Balance - {$500.00} Date on Report - XX/XX/XXXX ACCT - XXXX Collection Opened - XX/XX/XXXX Loan ( XXXX ) XXXX Addresses - XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2022-09-30
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. (GA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXXXXXX XXXX
Consumer complaint received 2022-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

That all my payments were applied according, go repayment purposes and my credit score cleared of this debt. I have been paying a XXXX dollar loan for years the amount stays the same. I made payments up until XX/XX/2020 after being locked out online I called customer service about my account and they said my loan was default and would not give me information to get my account back in good standing. I recently obtained my credit report and I states I owe them money yet I call them and they say my account has been paid by another account. I still cant get correct information and my credit report is damaged due to them. Need help.