davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2022 I applied and was approved for a Chase XXXX XXXX credit card. The promotional offer at the time was 5 free night vouchers at XXXX properties if I spent {$5000.00} within the first three months of opening the card. As of XX/XX/2022, I believed I had met the requirements and stopped using the card for purchases, since the primary reason I'd applied for the card was for the promotional offer. My statement balances over that period totaled {$5000.00}. 

On XX/XX/2022 ( one week before the deadline for the promotion ), I called Chase to check on the status of my free night vouchers and was told I had nothing to worry about and would " definitely '' receive them. 

On XX/XX/2022, after still not receiving the vouchers, I called Chase again to check on the status but this time was told I had not met the spending requirements to qualify for the promotion. Apparently, the first time I called, neither myself nor the representative on the line realized we were including the {$95.00} annual fee in our calculations for whether or not I had spent enough on the card and the card 's fees do not count toward the {$5000.00} spend requirement. This left me approximately {$45.00} short of the spending requirement. After complaining to Chase and escalating, I was told awarding me the full 5 nights or even a portion of the nights would not be possible. 

I feel like this is a clear XXXX violation. Not only was it not made clear how to calculate my progress toward the welcome offer but there was no way to track my spending clearly on their app or website and their own representative misinformed me that I had qualified. If I'd been told of the shortage the first time I called in, I could have easily made a purchase to exceed the {$5000.00} requirement within the 3 month window. I am extremely frustrated that Chase did not even attempt to make this right. While I may not have met the letter of the requirement, I made every possible effort to ensure that I would qualify - even going so far as to call and double check with a representative before time ran out. I feel Chase should make some effort to make me whole, especially considering that I've been a loyal customer of theirs for many years and have always made on time payments. The exclusion of the fee from the spend requirement without offering an easy way to track progress toward a spend requirement like they offer with some of their other cards is deceptive, even if it may be spelled out in the fine print of disclosures.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Many of my accounts ( XXXX coinbase, checking account, etc ) were hacked and Fraudsters took or attempted to take funds via criminal channels. I contacted and spoke to all financial companies and they closed my account. Coinbase is not helpful and will not close my account! I was given a ticket number and they said someone would get back to me. I NEED THIS ACCOUNT URGENTLY CLOSED! 

Please Help!
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (MD)

On XX/XX/2019 Accurate Background e-mailed me a Background report. The report was inaccurate, specially it listed a misdemeanor charge XXXX XXXX XXXX that does no belong to me. As of today, I have not received a correction to this report.
Consumer complaint received 2022-02-19
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. (WI)

XXXX is reporting information on my credit report incorrectly and twice with two different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. XXXX changed it back to a negative account as well as listed it twice and again with 2 different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX  to resolve the account. 

As proof of my claim, I am submitting excepts from 3 XXXX credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.
Consumer complaint received 2019-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (UT)

Discover representative named XXXX XXXX XXXX in XXXX XXXX XXXX in 2019 ignored all my voicemail messages over the time I contacted her this year and I again gave up dealing with resolving the fraudulent balances that remained with Discover. Discover needs to clear out the remaining balance as I do not owe the debt. The interest and fees charged are not valid. This experience has been unsatisfactory in trying to handle the fraud that occurred on this account.
Consumer complaint received 2019-12-07
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 — Was not notified of investigation status or results
Company: Westlake Services, LLC (TX)

ON XX/XX/2019 I MADE AN ATTEMPT TO CONTACT WEST LAKE FINANCIAL SERVICES REGARDING AN ACTION TAKEN ON AN ACCOUNT. IT IS TO MY KNOWLEDGE I WAS NEVER NOTIFIED ABOUT THE INVESTIGATION AND I AM A CO-SIGNER ON THE ACCOUNT. WHILE TRYING TO GET INFORMATION REGARDING THE INVESTIGATION I WAS ASKED PERSONAL QUESTIONS OVER THE PHONE SUCH AS MY LAST FOUR NUMBERS OF MY SOCIAL SECURITY AND MY DATE OF BIRTH. I FELT VERY UNCOMFORTABLE IN ANSWERING THOSE QUESTIONS SINCE I WAS NOT FACE TO FACE OF THE PERSON ASKING THE QUESTIONS. THE FIRST PERSON I SPOKE WITH WAS XXXX WITH THE CUSTOMER SERVICE DEPARTMENT. I ASKED TO FURTHER SPEAK TO A MANAGER IN THE WEST LAKE FINANCIAL SERVICES DEPARTMENT AND SHE CONNECT ME TO A SUPPORT PERSONNEL MANAGER NAMED XXXX XXXX. THIS LADY WAS A REAL TRIP. MY CREDIT REPORT HAS THESES PEOPLE NAME LISTED WITH ME BEING RESPONSIBLE FOR PAYMENT IF THE PERSON THAT PURCHASED THE VEHICLE DO NOT PAY, BUT DID NOT WANT TO DISCUSS WITH ME ANY INFORMATION UNLESS I GAVE MY PERSONAL INFORMATION OVER THE PHONE. JUST EARLIER THIS MONTH WEST LAKE SENT  DOCUMENTS TO MU EMAIL ADDRESS FOR MY SIGNATURE ELECTRONICALLY WITH ASKING ME FOR PERSONAL INFORMATION. WEST LAKE HAS IN THE PAST NOTIFIED ME OF THE ACCOUNT BEING LATE, BY US MAIL, BUT STATED THEY NEEDED MY PERSONAL  INFORMATION. WHEN USING POSTAL MAIL ANYONE CAN OBTAIN THE MAIL AND GET A PERSON PERSONAL INFORMATION. SINCE THE US POSTAL SERVICE IS CHEAP, WEST LAKE DON'T SEE THAT AS A POTENTIAL THREAT. I WAS NEVER NOTIFIED ABOUT SERIOUS ACTION BEING TAKEN AGAINST THE ACCOUNT, BUT WOULD MAKE ME A VICTIM BY PLACING A NEGATIVE MARK ON MY CREDIT REPORT
Consumer complaint received 2016-11-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (TN)

Midwest Recovery Systems reported a collection debt to my - Credit file on XXXX XXXX, 2016, - for {$840.00}.. I never received a 30 day disclosure of any collection activity. I filed for bankruptcy in XXXX and never knew anything about this debt until I reviewed my credit file and saw that it had dropped XXXX points as a result of this company. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file-. Again, this caused my credit score to drop - points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. This is an illegal practice of debt selling and manipulation that violates the FCRA. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

We have just completed our 4TH attempt at a loan modification. The first 2 times we filled out this paperwork through OCWEN and we were told that unless one of us dies or we completely lose our jobs that we would never qualify for a modification. The 3rd time we did this, we were successful due to hiring a 3rd party agency ( Paying them {$2800.00} ) ; only to be ultimately denied because of a document delivered to us ( on or about XXXX XXXX ) by OCWEN dated XXXX XXXX, 2016 ( see attachments dated XXXX, XXXX and XXXX ) asking for a payment due on XXXX XXXX, 2016 in the amount of XXXX ( which they received but then returned to me ). 

After being so completely distraught and speaking with Ocwen Agent # XXXX I have been told that my circumstances are unfortunate but I needed to go through the process all over again. See the contract I signed stated that my first payment was due XXXX XXXX, 2016. This contract was dated XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a statement ( payment coupon ) from OCWEN requesting the payment of XXXX be paid on XXXX XXXX ; this is the amount of XXXX and XXXX trial modification payments combined. I TRUSTED that the documentation I received from OCWEN was truthful - however, I have since learned that it was a LIE and a TRAP to cause us to fail! Ocwen ( Agent # XXXX ) stated that since I had been approved for the modification before that I would ( MOST LIKELY ) be approved once again, this time with a lower payment as well. Why did Ocwen continue to send statements with a FALSE due date? It seems VERY apparent that they were TRYING to make us fail by sending contradicting information 3 MONTHS STRAIGHT! 
We were so excited to think that we would be moving forward with the opportunity to have our payment lowered appropriately. 
We have begged for OCWEN to PLEASE SEE WHERE THIS IS A MISUNDERSTANDING and ALLOW US TO KEEP OUR HOME! We can fulfill our obligations based on the modification that they have chosen to reject ... .Ocwen seemingly would prefer that our home be left empty No one wants it ... BUT US! WE WANT OUR HOME! We had it listed with an agent until we found out through working with a 3rd party in XXXX that we were going to be approved for the loan modification. In 90 days we showed the house 6 times and each time we were told it was n't worth asking price ( {$260000.00} ), but more like {$190000.00}. 
Furthermore, the dates on Ocwen 's Modification Appeal Review Completed documents do NOT match up with the dates on my signed contract for the loan modification ... .once again ; OCWEN is at fault for this incorrect information. OCWEN needs to realize this is a communication error on their part! ... .Agent # XXXX even stated that this was clearly a misleading - sending a statement requesting an amount of money on a particular date and then refusing the funds based on a DIFFERENT piece of correspondence that was also sent out by OCWEN .
Consumer complaint received 2016-08-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NJ)

Despite consistent contact with Sallie Mae and efforts to negotiate affordable payments with them, they continue to use hostile collection tactics with me. They refuse to even attempt recalculating my monthly payment after submitting paystubs that show my monthly income to be around {$2000.00}, while the monthly payment they are requesting are over {$260.00} per month. This is well over what I can afford, and they refuse to negotiate an affordable payment in any way, while repeatedly calling and asking for immediate payment while redirecting me to numerous collection agents as I attempt to find someone to negotiate affordable payments with. I understand the obligation of this debt, and wish to honor that obligation, but I can not sustain the payments they are requesting without placing a severe financial burden on myself and my family.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (CA)

My Albert Corporation ( XXXX ) checking account/debit card was drained by XXXX unauthorized transactions at XXXX ( $ XXXX + {$25.00}, totally {$400.00} ) on XXXX. I've contacted the company continuously since then ( XXXX - XX/XX/20 ) and they refused to identify these transactions as a fraud after XXXX rounds of investigations. Please step in and help me to uphold my legal rights against this shady company!
Consumer complaint received 2019-12-07
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)

My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

Before lodging this particular complaint I decided to review my previous complaints and from their very first response they were incorrect! I let them know right away that my partner had passed away and they completely cut me off and quit talking to me. I sent them fax after fax to prove I was the sole deed holder with no response. They wouldn't even confirm whether or not they'd received my faxes for years, yet they stated I didn't let them know this for years. They also stated they had updated my files their second foreclosure attempt but apparently hadn't. They also took my personal checks to pay the mortgage for almost 5 years til one-day out of the blue they just sent my payment back, not 3 years til I couldn't make my payments anymore. And they stated that I was trying to get a government program to help me but requested postponement of my foreclosure to see if approved when I had their approval more than once but was refused by the bank and the final time I just needed an additional week or two for the actual approval let yet was already approved!!! 
My complaint now is that they have stated they need more time to investigate this matter over a month ago and from previous experience I know they will either blow me off indefinitely or they will make up whatever they have to in order to close this case whether true or not. Thank God I have CFPB to supervise this or they would leave this complaint as unreceived, and/or resolved indefinitely!!! 
Bottom line is they stole my house!!! Never acknowledge, talked to, or assisted me in any way to help me AT ALL!!! 
I would now like them to respond!!! Thank You!!!
Consumer complaint received 2020-08-11
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXXXXXX {$85.00}
Consumer complaint received 2019-12-07
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. (NJ)

There are several improper reported items on my credit reports. I have tried to reason and or dispute these matters, but there is always a language barrier and a misinterpretation of the information provided. No matter how many documents I provide for proof the debt is never completely deleted. It's sold to another collection company. I have payment arrangements with collection agencies and my debt is sold to get another company and without me knowing my agreement is broken and late payments are on my report. Agreement and accounts that are in forbearance are reported to collection agencies. My report has been paid in full by " me '' auto loan that has been reported as closed without credit for paying off a loan! No increase in my score for paying off debt. No matter how much I pay off my credit scores never go over XXXX.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Additional information as requested by the bureau. XXXX and Equifax is currently reporting an account that has multiple inaccuracies and violations. 

( XXXX XXXX XXXX XXXX ) Currently reports that account was open in and around XXXX of 2019. However the company does not report last date of activity, last date of payment. Or last date of delinquent. This account appears to be a reaged. A violation of the fcra- Account and must be immediately removed from my credit report.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I am XXXX years old with XXXX children. My home is also attached to the only income I receive. I have lost renters, had to do several repairs on the apartments and finally have all my unites filled with constant payments. I understand that I have had XXXX modifications before and that my mortgage company has tried to help me. I finally have faithful tenants and am asking for one more chance to make this right. I know I can pay the mortgage now and I have complete faith in my tenants to make sure my payments are made on time. I submitted a review package for assistance with proof of my hardship and they would not even forward to management to be reviewed. They simply told me no. I do not feel as a account manager and them not loaning me the money they have a right to deny me without proper review. I do now want to lose my home and my only of income as I do work. My husband use to handle all of this before passed and I am now dealing with it and can manage much better than I did before if given an opportunity. Please help me any way you can. Thank you in advance.
Consumer complaint received 2022-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

Request was made on XX/XX/XXXX with FedLoans to refund all student loans paid during COVID-19 forbearance period ( XXXX XXXXpresent ). Call reference # XXXX. I was advised on a call XXXX months later that I would not be able to get my student loans refunded because I paid select loan sequences in full, which I later learned was a false statement. 

In XX/XX/XXXX I learn that my loans are being transferred to XXXX and received an email on XX/XX/XXXX that the transfer process had began. On XX/XX/XXXX, I saw that my account had now reflected my current balance and contacted XXXX to initiate the refund process. I was told it would take 60 days. I called several times over the course of 60 days for updates, and never received any update. After 60 days, I called XXXX and was advised that the wait would now be 90 days following the influx of forgiveness applications from late XXXX following the President 's executive order. Called after 90 days from original request ( late XX/XX/XXXX ) and told loans were still in process. 

Was just advised today by a supervisor after being on hold for XXXX hours and forty-five minutes that XXXX could not initiate the refund request because the loans were paid off through Fedloans, not XXXX. This was the first time I received this information despite calling well over XXXX times since original request was made on XX/XX/XXXX. I was directed to call Fedloans. 

I contacted Fedloans XXXX times today, XX/XX/XXXX, and each time I call, I receive an automated response that my loans were transferred to XXXX, and I can press XXXX for further guidance. All three times the call was dropped. 

I need to receive the refund from the Department of Education as soon as possible. 

Document attached highlighting all payments made entitled to be refunded.
Consumer complaint received 2022-10-16
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. (NC)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.