davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX. CHASE Bank. Closed my account after I begged them to allow me time to keep it open because of my stimulus checks going to that account and to not fall victim to any of my money sent to wrong account. They closed it. I spoke with Account Recovery on XX/XX/XXXX to recoup the funds, they said that I had to have a 2nd personal checking to do so, and being that I didn't they sent my money back to IRS. Which I still haven't gotten as of XX/XX/XXXX. 
A 3rd stimulus was released from IRS on XX/XX/XXXX to the same account ending in 5206.. which I tried to update with IRS which they don't allow. Chase Bank said one again pay the old account off in amount XXXX and open a new account and they can reroute my stimulus from the closed account to the new account. I confirmed this with Claims and Dispute Dept at Chase Bank. So I paid it and opened a new up this time to avoid my funds being sent back. I asked for Notes to be on my account to prove that If I pay the old account I would have a reroute.. today XX/XX/XXXX my stimulus hit the account and How Nasty Chase Bank Claims dept Manager etc got with me. I feel hood winked and Tricked to pay that acct off and now being told it was a Corp decision to not reroute any funds regardless of new open account. Why wasn't that explained to me when I verified with the dept that reroute funds on Monday XX/XX/XXXX, and Tuesday XX/XX/XXXX I needed my XXXX to pay at mercy Bills to prevent a car repossession, and keep food the table and Chase Bank lied to me and led me down a dark path and then got nasty about my situation. I don't deserve that from Chase Bank to be lied to and tricked to get my last earned bucks and then told to Call IRS about your money, not us That was so nasty. As a consumer I've been wronged by a banking institution and account was notated that if I paid charge off, open a new account, I would still get my funds And the say of funds being deposited, I feel scammed by Chase Bank. They gave me false Hope in my drastic situation. Which is WRONG. No integrity, and all lies was told to me and I believed it. I don't trust Chase Bank and they practices.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I received a XXXX page ( XXXX sided ) response to a dispute - and have not received an updated Credit Report, as mandated, and this is the XXXX time in 2015, where this has occurred. Instead, I got a dispute result document - which is attached, As previously communicated in the disputes made through this portal, all communications from Equifax are expected to be through US Mail only, as I have not granted permission to view or receive these responses online. 

Attached is the letter generated on XXXX XXXX, 2015 deleting the contested XXXX account. 

Please share any updated report.
Consumer complaint received 2021-03-17
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: JPMORGAN CHASE & CO. (TX)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

Hello, I have a complaint about Coinbase. 
At beginning of XXXX, Coinbase started to review my account and leave a message : " Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status ''. I submitted a ticket to get help and receive replies On XX/XX/XXXX, " Hello, Coinbase Support resolved and closed your case '' Case # XXXX. In fact, my account still under review nothing changed. And I sent several messages and received the same content '' Coinbase Support resolved and closed your case '' Case # XXXX # XXXX # XXXX # XXXX # XXXX. More than 70 days have passed, Coinbase didn't do anything, my account still XXXX to trade and withdraw. 
During this period, the market went up and down, my account balance from {$57000.00} down to {$41000.00}. I lost the money. Now there are many people who have the same situation as me. We all work hard to earn money and invested in Coinbase, dreaming to make the quality of life. Don't break my dream. please help me get back to the account!!!
Consumer complaint received 2021-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (ID)

XX/XX/2021 I transferred {$5000.00} from Marcus to XXXX XXXX, and {$5000.00} from XXXX XXXX to Marcus to backfill the savings account. 
I opened this account as an emergency savings account so that I can have access to my money anytime I needed it. I tried to move my money to my bank account, and received a call about the suspicious activity. I verified it was me, and they said it was fine. Then they locked my account. I am closing on a house soon, and I need my money to be able to do so. They are telling me to send them paper copies of my banking institution while they hold my money hostage from me. This is extremely horrifying that they can keep my money away from me when I need it most. 
I have no home, move from temporary housing to an extended stay with my wife and 3 dogs while Marcus has the power to keep my money from me in a time ( COVID making it worse ) I need it most.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My payment was due on XX/XX/XXXX. Days prior I used the online payment system and selected the " pay minimum payment '' option which was auto set at {$29.00}. I paid it and the money was taken form my account and posted to my card on XX/XX/XXXX. I then get a notice today XX/XX/XXXX that I am past due {$1.00} and have been charged a {$29.00} late fee. 

I called the company, capital one, to settle the discrepancy. I explained to them that I chose the minimum payment option which was set by capital one to be {$29.00}. They informed me that it was actually {$30.00}, that I owed {$1.00} and they could not wave the late fee of {$29.00}. 

I paid the minimum payment which was reflected to be {$29.00} on time. Capital one refuses to lift the late fee and says I still owe them {$1.00}. The {$1.00} is not the problem. The problem is that their system reflected a {$29.00} minimum payment which I paid, on time. So a {$29.00} payment is not costing me an additional {$30.00}. That is criminal.
Consumer complaint received 2016-07-24
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: National Budget Planners of South Florida, Inc (NY)

As of XXXX XXXX I had repaid my debt with an excessive amount. On that day, according to my account NBP sent a reimbursement check to me. I have not received it. When I contacted by email I was told to contact XXXX, to whom my last payment was made. When I contacted by phone two weeks ago I was told the holiday weekend may have slowed the check in the mail. I was told to call back at the end of the week if I had not received a check. This week I contacted XXXX, which actually showed that I had a XXXX cent credit which they promised to send to me. I called NBP immediately after and was told that XXXX owed me. I explained that, no, according to both statement and conversation with XXXX, they do not owe me more than XXXX cents. After being placed on hold I was told that I could call back after the XXXX of XXXX because only then would they be able to void the check and send me payment. I might also add that every month I received an email threat that they would take my monthly payment from my account and if there were insufficient funds I would lose even more money. They, apparently, do not hold themselves to the same standards.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

My unemployment was going into my account and as soon as my taxes and stimulus hit the account they froze it saying there was fraudulent activity. They requested documentation of which I sent and my funds are still being held hostage. I have no access to any of my funds and I am about to be homeless. Please help! I can not get through with customer service. My account number is XXXX.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

This is a follow-up complaint to issue XXXX, associated with a billing dispute. Citibank has not resolved the issue as implied in their response to CFPB. 

During the period of disputed charge with a vendor, Citibank has charged interest associated with that dispute. My most recent statement shows that interest was applied during this period. Citibank indicates the dispute is resolved ( vendor has provided credit ) but hasn't addressed the fees they inappropriately collected during the period.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Marlette Funding, LLC (CA)

Repeatedly calling my in-laws several times per day even though they have my phone number. They have told them repeatedly that I am not reachable at their number. 
They also call me repeatedly, even after speaking with them and making payment arrangements.
Consumer complaint received 2021-03-17
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: DISCOVER BANK (NY)

My discover account was disabled because discover was doing an IRS check to verify my information so I couldn't access my account to pay my bills online. After two-three months they got their report back and I called to fix the login issue so I could pay the balance off my cards. I paid the balance off but because I was unable to access my account and pay the bill discover put my payment as late for like two months. I called them yesterday and they said that even though I was locked out I could have made the payment over the phone or letter. I have paperless banking and all my info is on the discover app. So by not letting me have access to the app, I couldn't pay. I made this case but they said it's my fault and not theirs that my payment was not made. I do not understand how but this doesn't make sense because they locked my account because they had their investigation. I could not see my balances and I had no access to my information yet they blame me for their mishandling of the situation. Now my credit score is drastically lowered and another credit lender closed one of my accounts because of this. Please help. 





I couldn't access my account to
Consumer complaint received 2022-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

THIS DEBT WAS THE RESULT OF IDENTITY THEFT, I DISPUTED THE CHARGES. THE DEBT COLLECT IS USING FALSE AND THREATING TACTIC TO TRY AND COLLECT THIS DEBT. THE DEBT COLLECTOR NEVER VALIDATED ANY OF THIS DEBT WITH ME, THEY IMMEDIATELY REPORTED THE DEBT TO MY CREDIT REPORT.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : XXXX, XXXX XXXX XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/2019, 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 XX/XX/2019.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I moved to a new address in XXXX of 2019. I contacted ( via phone ), ALL of my creditors to update billing address so as NOT to be late on ANY bill. XXXX XXXX Co ( Citibank ) updated my address incorrectly. They only recorded the house number but left off the street name, thereby rendering my bill undeliverable. Upon being notified of late bill via phone, i immediately paid off balance and closed account. I was refunded my late charges and representative stated that bill WAS IN FACT returned as undeliverable to me! She also stated that this would NOT affect my credit score / rating. I have tried 4 times over the course of 2 years to rectify this with both Citibank and XXXX, as well as XXXX to no avail. Citibank stats they can not correct negative report because it wasn't a bank error. I understand this, but it WAS a billing error. How can i pay a bill I never received?? The mistake with the address was THEIR responsibility, and I'm left with the negative rating?? 
I will attach invoice showing house number but NO street name in the documentation section to follow. Please help me to have them correct negative information regarding this matter.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: KEYCORP (OH)

My name is XXXX XXXX I was applying for a loan through XXXX XXXX when I got done I got a e-mail stating someone will be in contact with you soon so when the people called me pretending to be a loan company I dot really think anything of it. But they got me to send verification money to them from my account. I still had two of my XXXX check go I to the account that key bank room from me also
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Debt Management Solutions, LLC (CA)

XXXX XXXX which may or may not be his legal name keeps calling me from Nationwide Debt Management asking for XXXX people whom I do not know. He 's extremely rude when he calls me after I 've very clearly stated that he has the wrong number. After wasting several minutes avioding telling me who he works for, he finally told me he was calling from debt management and even though I told him he had the wrong number, he assured me that he was going to keep calling and harassing me. His direct number is XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Amcap Investments, LLC (TX)

AmCap Mortgage decided to raise my mortgage payment, even though I have not had any shortages in my escrow account. I do not agree with their calculations. When I contacted them to ask my options, I was told to send a letter to close my escrow account, of which I did. I received a response back that I can not close my escrow, so why would this be suggested if this wasn't an option? I have been awaiting a return call from a Supervisor for 4 weeks. Still waiting, no one has a clue, the person who I need to speak to never answer or returns my call, this is ridiculous. This Company is a joke, they increase my mortgage during a pandemic, it has already been difficult to make payments at my original amount. To increase my mortgage just because they say so without any form of dispute or resolution options should be illegal.
Consumer complaint received 2021-03-16
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: Westlake Services, LLC (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX, XXXX XXXX XXXX ( f ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( a ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( b )
Consumer complaint received 2021-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Attached you will find a brief history of my complaint and correspondence with several government officials. I filed a complaint with CFPB in XXXX and it has been since closed without resolve. The complaint is attached. I was swindled by Sallie Mae and Navient regarding XXXX. I spoke with them about eligibility for XXXX in XXXX and they have conveniently notated that we spoke " several times throughout XXXX regarding benefit incentives that were or were not available on her consolidation loan '' but did not provide me with accurate information to consolidate using the proper loan for eligibility. They told me to simply continue paying the loans and as we approach XXXX, there would be additional information. When I applied for XXXX in XXXX, I was denied and told that I'd been in the wrong loan program, that I would have to reconsolidate and pay an additional XXXX payments! DEVASTATING! I've reached out to CFPB ( including XXXX XXXX XXXX, Department of Education, Navient, NC Attorney General XXXX XXXX, NC XXXX XXXX XXXX, former NC XXXX Governor XXXX XXXX, Congresswoman XXXX XXXX, and multiple advocacy groups. The strongest consumer protection agency has, to this point, chosen not to protect me or the rest of the borrowers preyed upon by government-contracted lenders. The public servants who are supposed to hear, serve, and advocate, continue to overlook the cries of fellow public servants who were promised loan forgiveness. I am desperate for the new administration to receive this complaint and, in cooperation with the thousands of like complaints, move to forgive these debts. This has truly been government-organized racketeering. My initial loans were {$55000.00}. Since beginning my repayment plan in XXXX, my current balance remains {$53000.00}. When and where is that ethical?
Consumer complaint received 2016-08-10
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Acceptance Solutions Group, INC (TX)

I was approved for a pay day loan of {$500.00} from Acceptance Solutions Group on XXXX XXXX, 2016. As part of my agreement with the company, I was required to pay {$140.00} every other Friday ( my pay day ) until the total loan amount + interest was paid off. I set payments up to be drafted from my checking account initially. 

When I started struggling to cover all of my bills and noticed over draft fees were being charged I called Acceptance Solutions Group and asked that they remove my bank information from my account- I told the customer service representative that I would like to start making my payments over the phone manually. I was informed by that same representative that my banking and card information was removed from my account and I should n't expect any more auto drafts to take place. The very next Friday ( pay day ) I noticed that a payment was made with my card information ( not a bank draft, but they still used the card information that I had asked them to remove just a week prior ). I called Acceptance Solutions Group again and asked the representative to make sure that both my banking AND card information was taken off the account to prevent me from incurring any overdraft fees with my bank. The representative then got very frustrated that I asked this of him and transferred me to his manager. The manager got on the line and, in a very condescending and rude tone, told me that he would not remove my card information and informed me that they do not allow payments to be made over the phone or online manually because, " This is an online company so everything is done online. '' I was confused and frustrated at this point so I told the customer service manager that I would simply take matters into my own hands and turn my debit card off to prevent any future drafts from being made- despite what I had already asked the company to do for me TWICE. 

Acceptance Solutions Group has now called my cell phone and WORK phone and left personal information about my account on both my personal and WORK voicemails ( which are not private ). This is a violation under The Fair Debt Collection Practices Act ( FDCPA ) that expressly regulates calls to third parties in section 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall " not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. ''