davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

This company, XXXX XXXX XXXX, shows on our account history they have been paying PMI monthly out of our escrow in the amount of {$170.00}. Our escrow balance has been reduced monthly by this amount, ( in addition to payments for homeowners insurance and property taxes ). In XX/XX/XXXX, XXXX  reduced our escrow account by an additional {$4300.00}, showing it was to pay  PMI. My wife called the company to inquire about this and the rep seemed unable to explain the issue, then finally stated the PMI payments they were making had been sent back to them so they had to pay two years of PMI all at once. We have not even been with this company for two years. My wife asked if all the payments they showed to escrow in the amount of {$170.00} were sent back to them why was the escrow account not credited in that amount. If they were collecting that money as part of our monthly payment and it was not received by the Private Mortgage Insurance Company,  where did the money go? The representatives she spoke with were very evasive and were not able to answer her questions. They advised they would get back with her and no one has yet to contact us to explain this. Today, we received notice that our monthly payment was going up {$200.00} due to an anticipated shortage in our escrow. This shortage is due to their withdrawal from our escrow for the {$4300.00} that no one from the company can explain to us and their own accounting does not support. I called XXXX  again to inquire about this issue and the customer service rep could not explain the discrepancy.
Consumer complaint received 2019-01-30
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. (TN)

Notified my mortgage lender several times in XX/XX/XXXX that past payment history has not been updated since XX/XX/XXXX. Both Equifax and XXXX  shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XX/XX/XXXX thru XX/XX/XXXX.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

In XXXX I received a coupon from Chase Bank through my account that stated if I was to open any account over {$200000.00} i would receive a bonus of {$2000.00}. I went to the branch and asked the assistant VP, XXXX XXXX, he then confirmed that the bonus was correct and stated that he would assist me in receivingmy {$2000.00} bonus. We then set up an appointment with the senior VP XXXX, and which he also assured me that I would receive my money with the help from them. I then proceeded to transfer {$210000.00} from XXXX XXXX and {$8000.00} from XXXX. I was told that I had to keep the money in that account for 3 months in order to receive the bonus. After the 3 months I called the branch to see the status of the bonus, in which they told me to givethem an additional 15 days. After the 15 days i called stating I should have received the money now in which he responded that I should have opened up a checkings account. However, during th process they assisted me and assured me that a XXXX was eligible to receive the bonus. I then told them that I already had a checkings account and they informed me that they would investigate this again. In a week he got back to me and said the amount to qualify for the bonus {$250000.00} instead of the previously stated {$200000.00}. I then told them that I would be filing a complaint. After calling Chase directly the assured me that I was correct and was eligible for the bonus with my XXXX account. When they opened back up they saw that my account had a requirment of {$250000.00} that was set by the branch. They then told me that they couldn't assist me any further and i had to deal with the branch. I feel violated, made a fool and completely taken advantage of. Why would I switch from a more established company such as XXXX to switch to Chase, in which I've had my money in for over 15 years. Can you please assist me in receiving my bonus or direct me to where i can go to continue my complaint.
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : Acc # XXXX, XXXX XXXX : Acc # XXXX, XXXX : Acc # XXXX, XXXX XXXX : Acc # XXXX XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX XXXX  : Acc # XXXX, XXXX XXXX Acc : # XXXX, XXXX XXXX XXXX : Acc # XXXX, XXXX  : Acc # XXXX, XXXX  XXXX XXXX XXXX Acc # XXXX, XXXX  : Acc # XXXX, XXXX XXXX  XXXX : Acc XXXX XXXX XXXX  : Acc # XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (AZ)

XXXX XXXX sent my account to collections with no notice. Credit Management would not take the money i paid to them. I requested with a letter it be removed due to there was no letter/Notification of the such debt. I ask XXXX several times about the debt no one ever call me back after several attempts about the bill. I had disputed the bill after i have moved. I call them and told them and they was still trying to bill me after i had cancel the service. 
XXXX made no attempt to dissolve the matter and Credit Management was very rude regarding the matter. I have a copy of the money order credit management mailed back to me in which i purchased in XXXX.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Around XX/XX/XXXX I received a letter in the mail from JP Morgan Chase letting me know all of my checking and saving accounts will be closed and the company chose to end relationship with me, they didnt mention anything about my personal or business credit cards will be closed as well, I tried to reach out to JP Morgan many times and no one gave me a clear answer regarding my accounts being closed. 
I have been with Chase since XXXX and them closing my 5 total credit cards with them really hurt my credit and placed me in a bad position when I was trying to pay for my lunch at Panera, the young lady at the register asked me if this was my wallet or I found it somewhere because I tried to pay with many credit cards and all got declined. 
I have been getting my paycheck really late because my employer uses Chase for direct deposit and because I dont have chase anymore I have to wait 4 business days to get my paycheck. 
Lastly I had almost XXXX points with all of my chase credit cards that I had to take cash for which is only {$8000.00} if I would have used them on travel I couldve got over {$30000.00}.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I am eligible for a student loan refund from Mohela as part of the Biden administration student loan forgiveness program. I called on XX/XX/2022 and was told my refund request was approved and I would receive a refund within 30 days. 

When I still had not received a refund by XX/XX/XXXX, I tried calling Mohela 6 times throughout the day and their customer service number had a busy signal ( others were having this issue as well ). 

I messaged Mohela through their portal on XX/XX/2022 asking for a follow-up on when would receive my refund and they never replied. 

I tried calling Mohela 's customer service phone number and their automated messaging system told me that I am not eligible to speak with a live representative. 

I sent another message to Mohela through their portal today, XXXX XXXX, 2022. 

Please let me know if you need any further information from me. It has now been 45 days without payment when I was promised 30 days, and Mohela refuses to return my messages or answer calls.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Crossroads Systems Inc. (IN)

I am overly disappointed with this company 's actions. I have been approved for funding by the SBA and this company is my lender. According to the SBA, once approved, the SBA requires lenders to disburse funds within 10 calendar days. It has been 22 calendar days since I received my approval and I have yet to be funded. I've tried several times to contact CPF and they don't answer or give any updates. I need my funds deposited into my account immediately as my company is in dire need.
Consumer complaint received 2021-08-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I filed a dispute last XX/XX/2021 with the credit reporting agencies in regard to inaccurate information reporting on my credits reports. I never received any notification in regards to the investigation results. It has been over 44 DAYS. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MI)

On XX/XX/2022 I was alerted that someone made an inquiry on my credit. I contacted support and told them it was a fraud. The company than started an investigation on it. On XX/XX/2022 the company reached out and stated that someone open an account under my name and SSC. The company on my behave explain the situation, flag the account, and are in the process of closing it. After speaking to the representative I was told to submit a fraud case through FTC.GOV. Somewhere in between I was redirected to Cfpb page, and now I'm typing this out.
Consumer complaint received 2021-08-21
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: TCF NATIONAL BANK (IL)

I had a TCF bank checking account. However, somebody stole my identity and money was taken from my account and made it go negative. I notified TCF and they conducted an investigation. They concluded the investigation and said all I needed to do was sign a notarized affidavit with my signature. Once I did that I heard nothing back. My account was still in overdraft negative $ XXXX. I called back and they said nothing can be done because it was already sent to a collection agency. I told the fraud expert that I completed exactly what the branch manager at my local location needed me to complete and signed the affidavit saying I was a victim of fraud and IDENTITY THEFT! The fraud department said there was nothing they could do because it was already sent to collections. I told them that they are reporting false info to the credit bureau. ( XXXX XXXX XXXX IS THE NAME ) That false information has made it impossible to get a bank account anywhere else. Ive contacted XXXX and they did their own investigation and I told them all the facts as well as let them know I signed a notarized affidavit. However the investigation concluded the info documented on XXXX was correct. I was saddened and it feels I have nowhere to turn. I feel like the bank is making a personal effort to take the negative situation that happened to me and blamed me for it. XXXX does not want to remove the false info.
Consumer complaint received 2022-08-10
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. (GA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (KY)

Charging overdraft fees when my account showed I had the funds available : Inaccurate 'Available Balance ' reporting has led to overdrafts on my checking account with US Bank twice now. Most recently, I received a notification today ( XX/XX/12 ) that my account was {$120.00} negative due to 'holds or other adjustments. ' I check my available balance almost every day. Even considering all pending transactions on my account, my available balance has shown to be roughly {$80.00} or more for over a *week*. The app literally shows the updated available balance under each pending transaction while they're still processing so you know how much you'll have once they clear, and I was nowhere near negative. Two small charges ( totaling less than {$40.00} ) went through today and suddenly my available balance was - {$120.00}, when no other charges had been added since yesterday, when the balance was showing to be well above {$40.00}, even with pending transactions. Today, all of the numbers showing my available balance after each transaction are significantly lower than what they were while those charges were pending. I am also not aware of any holds on my account/card and have no clue what 'adjustments ' would apply or have caused this, and I have no clear way to find out. 

Either their technology is malfunctioning, or they are intentionally manipulating available balances or transaction processing to mislead customers and result in overdrafts so they can profit off the fees. Their overdraft charge is {$36.00} per transaction, which means they'll now charge me at least {$72.00} in overdraft fees due to inaccurate/misleading account reporting- on top of the {$120.00} they say I overdrew, despite my account being nowhere near negative when I checked it last. Which means {$200.00} less from my next paycheck that I'll have to put toward bills and groceries. 

Given the impending recession, this seems especially heinous and worth bringing to an official 's attention. This is, at best, a serious error in their app/online banking, and, at worst, a malicious attempt to wring as much money as possible from the rapidly-shrinking pockets of everyday people.
Consumer complaint received 2019-01-29
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: Innovis (OH)

To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (CA)

I dispute and request investigation with late payment reported by Barclays. I have had this issue with this company numerous times in the past. I set up the automatic payment method through their application made possible through the android store. Payments would go through automatically as planned but every few months the payment would not be automatically deducted and would occur late fees, I would call and they apologize and credit the late fees, I again set up the app and continue making automatic payments. The app went through and update and my payment was late again for for the month of XXXX unfortunately I did not catch it in time to call before the 30 days were up. I am not asking for any type of credit but during this Covid 19 pandemic I should not have to worry about a giant companies app not properly working and causing a negative reporting on my credit, while we try to not loose our homes and jobs due to current situations. I ask that they remove the negative reporting to my credit. If you have any questions I can be reached at XXXX to answer any questions
Consumer complaint received 2022-10-12
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. (TN)

XXXX, Equifax and XXXX is furnishing negative items on my consumer report that's suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

Emails from this lending service company contain third party tracking pixels. Also known as web beacons, these codes are embedded in invisible pixels in most service emails and are designed to collect private data such as IP address, device and browser details, time, forwarded email addresses etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is considered inadequate as per all privacy laws I am aware of. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and any optout options.
Consumer complaint received 2021-08-21
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: DISCOVER BANK (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.