davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (WA)

Unwillingness to Cooperate and Provide Transparency related to PMI charged for the Mortgage Account by Key Bank. 

We have our mortagage account with Key Bank and the escrow charges a PMI. I have been in regular touch with the Bank to understand the process of PMI and its cancellation but it not customer friendly and requires 30 mins of call every time to get in touch with an Escrow Office. Even on getting touch there is no effort to provide how much the customer needs to reach in terms of balance to cancel/remove PMI. 

We have reached 80 % of our mortgage balance and as per general understanding applied for removal and also asked the Key Bank Escrow Servicing Department what balance we should reach to remove the PMI, but all efforts to reach out through phone/email have never worked, The Bank staff 's typical reply has been they do not know the numbers like it a red tape. 

We need CFFB help to bring transparancy in the process, so Banks can share this with Customers on they pages and showcase next steps to take care of the PMI/Escrow fees. 

I appreciate CFFB for helping us provide a forum to raise this issue. I am pretty sure many bank mortgage customers will be a in similar situation with no clarity on when and what amount can help then remove the fees charged. 

Attached 1 ] Recent letter from Key Bank without any details on balance required just saying out it LTV not at required amount, previous letters have also been cryptic with no specifics 2 ] Emails send from my account asking Key Bank mortgage department on the specifics on PMI and when can we remove it and what LTV value needs to be reached
Consumer complaint received 2015-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I had a auto loan with Santander USA. I paid the balance of the loan in full in 2013 and received the car title, however Santander repeatedly calls " in an attempt to collect a debt ''. I have explained at least XXXX times that my loan is paid in full and keep asking to be removed from their call list. I am told each time that I would be removed, just to find that they continue to call. The latest call was received this evening.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OH)

1. I scheduled an international wire transfer on Friday, XX/XX/XXXX thru online banking account provided by JP Morgan Chase website in the amount of {$1000.00} ( XXXX XXXX XXXX dollars ) with a promise the funds will be available to pick up on XX/XX/XXXX. 
2. The transaction was posted on XX/XX/XXXX as bank statement shows and transfer fee of {$40.00} ( XXXX XXXX dollars ) was taken. 
3. Receiver did not receive funds and visited bank-recipient in person at the end of XXXX. 
4. Bank-recipient confirmed that the transfer is not received and sender should contact bank-sender. 
5. My first attempt to resolve the issue was made by phone at the end of XXXX ( do not remeber the exact day ). Customer service representative said that they will start an investigation and will let me know about results in a few business days. 
6. In about 10 calendar days, on XX/XX/XXXX I filed an inquiry thru secure message center by online banking account. 
7. On XX/XX/XXXX I got an update for my inquiry saying that Chase received a massage from XXXX stating unable to apply the transfer as beneficiary account is closed and money on the way back. 
8. On XX/XX/XXXX I got a message from Chase where the bank informs me that they will be trying to send money again and it may take up to 90 days. 
9. In XXXX I received a response on paper from Chase by mailing address which says that the transaction is complete, Chase will not return the money or send it again and bank will not do any further actions. 
10. I made another inquiry thru secure message center on XX/XX/XXXX and explained that money is still not received. At the same time I also made an official request by online form to bank-recipient and ask to provide as much information as they can about the transfer. 
11. I got a response from bank-recipient quickly where they confirmed : - Chase contacted bank-recipient on XX/XX/XXXX - Chase was provided all information needed about bank-correspondent ( it was NOT XXXX ) - XXXX stopped working as a bank-correspondent with the bank-recipient in XXXX, XXXX  - either the bank-recipient or the bank-correspondent did NOT received the transfer 12. I made a certified and notarized translation of the response because it was not provided in XXXX. 
13. I made a final attempt to resolve the problem with Chase in XXXX by filing another inquiry and explaining the situation after I received the response from the bank-recipient. Chase answered that they already made a final decision and will not do any further actions. 

In conclusion : 1. Chase originally sent the funds to a wrong bank-correspondent. 
2. After they realised their mistake by getting a message from XXXX, thay tried to send money again correctly but at that time the bank-recipient stopped working with any transfers nominated in XXXX dollars ( checked attached newsletter ), so Chase was NOT able to finish the transaction successfully. 
3. JP Morgan Chase Bank HAS STOLEN MY MONEY!
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Logan View LLC (OH)

We receive back to back threatening letters to sue us and contact us at work. I called to arrange something and they repeadely said my whole families information and ss #. Very violating of my families information. Would n't answer me to why he needed my ss # when the bill is in my husbands name. Constant letters threatening us.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (GA)

I have not been late on my mortgage in four years.I check my credit and Ocwen is saying that I am XXXX behind and have not made a payment in 3. months They say I owe XXXX.My credit score dropped horribly.I only owe XXXX.They more or less told me it was my problem They say they show me current but it is on my credit.This is only one of the many ways they have made my life a living XXXX.They have XXXX me out of thousands of dollars over the years.I would like to see something done to them.I am afraid they are goung to try to foreclose on me.They sent a notice to the Making Home afordable company stating I was behind but I 'm not.Not sure what to do now.Please please help me.Thank you.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OH)

Hello, On XX/XX/XXXX my US Bank Checking account was put under review for XXXX transactions I authorized out of the account and has been set to close ever since then but has not been officially close and my funds have been frozen ever since. 

Since that date, I have called 10+ times as well as visiting my local branch and have received a multitude of answers from service representatives. 

An agent told me I can go up to my branch on XX/XX/XXXX to collect the {$1900.00} balance in the account to which the branch manager called the back end and it was confirmed thats not the case and my funds are still on hold. 

I have been told this process would take a week but here I am a month later without my funds and have recieved ZERO correspondence via phone, mail or email about this whole ordeal and I am wondering if I will ever see my money again. 

The account is not closed and they are using that excuse to not disperse my funds but whatever state the account is in at the moment I am not able to login to online banking or withdraw funds in any way Please please help me I am afraid I will never see my money again.
Consumer complaint received 2022-11-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MI)

I have an account at Chase Bank, XXXX XXXX, XXXX XXXX, MI and have been trying to obtain funds from a check dated XX/XX/XXXX for XXXX euros from XXXX XXXX and Co drawn on the XXXX XXXX Bank. This is inheritance money from my deceased mother. 

XXXX have confirmed that the funds have been sent XX/XX/XXXX, and accepted by Chase on XX/XX/XXXX. However, the funds have not been placed in my account. I call them regularly but they stonewall me saying that they need to talk to the Irish bank. Chase says they are working on getting the funds but nothing has happened since XX/XX/XXXX when the money was transferred ( see attached document ). 

The Banker who I was dealing with is XXXX XXXX. 

sincerely XXXX XXXX XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

Chase closed my account, after I transferred money from an account that I am a writer on, to my Chase account. They said it was fraudulent. XXXX XXXX XXXX XXXX XXXX said I had every right to transfer the money out of the account, to the Chase Account.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OR)

I recently acquired a debt for XXXX wireless that I do not owe for {$740.00} to a company called " Jefferson Capital Systems ''. I believe this is a fraudulent report and it dropped my credit score XXXX points. Please help me get this removed from my report.
Consumer complaint received 2022-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (SC)

I C System is collecting on a XXXX account in the amount of {$1700.00}. I noticed this on my credit report and I hadn't receive a notice. I called the collection agency on XXXX spoke with the first rep XXXX employee # XXXX XXXX was requesting a validation of the debt since it was in collection. He stated that he couldn't provide validation of debt he could only provide a verbal authorization, the second rep I spoke with XXXX employee # XXXX and she pretty much said the same thing. I then sent 3 letters certified. The first on XX/XX/2022 asking for validation of debt and another on XX/XX/2022. The last one was on XX/XX/2022. Attached is the information from the debt collector which is uploaded. The collection agency did not follow the XXXX notice of debt validation on the letter sent from them on XX/XX/2022. Please review. 

clear for me to understand ; I was also told to print the information off on their website which I provided a copy of. The name they have is XXXX XXXX it supposed to be XXXX XXXX XXXX That was another issue that isn't followed on the cfpb guidelines and there was not an itemization of a letter sent to me from the company per the model that wasn't followed
Consumer complaint received 2022-08-26
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. (TX)

the accounts/ inquires cant be verified and need to be removed from my account 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

I SENT PROFESSIONAL CREDIT MANY OF DISPUTES TO PROVIDE ME PROOF OF ALLEGED DEBT, ITS BEEN OVER 6 MONTHS, AND THEY HAVE YET TO PROVIDE ME ANY PROOF OF PAID DEBT, THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-08-26
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. (IN)

In accordance with the Fair credit reporting act XXXX Account # XXXX, XXXXXXXX XXXX Opened on XX/XX/2022, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC (GA)

I started a lease with Acima for a mattress in XXXX or XXXX, had the payment plan for XXXX  day payment plan to avoid paying more than its worth. Every payment went through for {$66.00} a week when I got paid. I wasnt aware of my last payment not going through which was the beginning of XXXX and they started reaching out to me in XXXX. Too late for for payment plan. I told them I wasnt aware and that I wish they wouldve told me the payment didnt go through so that I couldve made the payment right away. The man said he was going to see if something could be worked out, I let him know if he couldnt that I wont be making any payments more than I signed up for. I cant afford to overpay for something when it wasnt my fault, he came back saying that there was nothing he could do. And that there may be something to come through and that he will reach out to me then. Someone else called me XXXX days later unaware of the whole conversation I had with the man, and she said that the only thing she could do is set up another payment plan which would mean that I have to pay the outrageous amount instead of the {$700.00} something I signed up for. I told her Im not interested in paying that. And now they call every other day, I have told them I have already tried to work it out but they are being unreasonable therefore stop trying to take money out of my account and stop calling me, if I decide to make a payment I will call them. The XXXX says to me that I am under collections and that they will keep contacting me until a payment arrangement has been set. Thats the third time I have had to go back and forth with this company, this time I told her that I would be reporting them for harassment and she told me to do whatever I felt the need to do and that they would still be contacting me until they get paid
Consumer complaint received 2022-03-14
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. (FL)

Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

In accordance with the fair credit Reporting act XXXXXXXX  Account my rights have been violated 15 USC 1681 Section 602 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 a account without my written instructions 15 USC 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
Consumer complaint received 2018-11-30
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: Credit Karma (CA)

Hi. I have applied for XXXX XXXX which is a credit card meant to help consumers pay for medical bills. I got approved for XXXX XXXX on XX/XX/2018. XXXX XXXX is by XXXX. I am using Credit Karma to monitor my credit score and when I applied for XXXX XXXX, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by XXXX XXXX. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that Credit Karma reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called XXXX ) and XX/XX/XXXX ( by XXXX  ). I have checked Credit Karma FAQs and found out that XXXX   does not even exist and it is an issue consumers encounter when applying for/getting approved for XXXX XXXX. 

I am seeking help to REMOVE XXXX 's hard inquiry. It shows as " XXXX '' and it says it's " NATIONAL CREDIT CARDS/AIRLINES ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for XXXX XXXX by XXXX. 

Please advise. 

Thank you.
Consumer complaint received 2022-11-05
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: Self Financial Inc. (NJ)

Default and Opportunity to Cure To whom it may concern This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to 15 USC 6809 ( 4 ) and 15 USC 6809 ( 5 ).

15 USC 6801 - Protection of nonpublic personal information.

15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair, and deceptive practices that SELF FINANCIAL use against Consumers like myself. 

The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

There were 3 payments of {$790.00} to be made. The first payment was made with my XXXX credit account and has already been credited ( XXXX case no. XXXX XXXX Second payment and last because membership has been cancelled, was made through XXXX using my Citi Costco account. I have contacted both XXXX and Citi and they are just giving me the run around. I don't understand as XXXX credited the first payment and now this second one is just a nightmare. The service I purchased is supposed to be a step by step XXXX XXXX  that is way to expensive to begin with for what they promise. It is from last year, outdated big time and requires way more money than what was outlined for the business. The tools needed are way more expensive also. In total this is a waste of time and money. They are selling something that can easily be found on XXXX and their promise was that by purchasing this I was getting something no one else knew about.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report just the other day. There is an account on my credit report from XXXX XXXX And XXXX opened XXXX XXXX, 2016. Balance {$800.00} There is no account Details the account status reads open. I did not get any information on this. I do n't know what this is, I do n't know what this is in reference to. I called Transunion and I was unsuccessful with speaking with someone on this matter. Can you please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the above account. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. 
and Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. PLEASE REMOVE THIS UNVERIFIED ACCOUNT AND PLEASE REMOVE ALL NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD