davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

To whom it may concern : Five years ago I purchased a home with my husband and initially started with XXXX XXXX. Four years ago our loan was transferred over to Loan Care and there began our problems! We have never been late with our payment but Loan care has mismanaged our escrow account, allowed our homeowners ' insurance to cancel only to put force-placed insurance at a higher price and has botched any an every management possibility of our mortgage servicing by them. Nor have they responded to emails, phone calls or the complaints I have lodged in the past. Our mortgage payment continues to go up and we are concerned that they are mismanaging our loan, escrow account and have swindled us out of money! Unfortunately, we are not the only ones! We are part of a Loan care and XXXX blog that has several complaints against them numbering in the hundreds, who like us are looking to help against a servicer who continues to mismanage our account. Day by day we continue to fear that we will eventually be pushed into foreclosure due to their sloppy managing. Just recently I called them to see if them in XXXX of 2020 to see if we could pay for our own home insurance and we were denied. I was told because it was an FHA loan they would have to continue to pay it themselves from escrow. However, when I called to check if they had made payments the representative told me no we have not. Thank XXXX I had the home owners insurance debited from my bank account otherwise the my home owners insurance would be cancelled and they would put force placed insurance on us again like the first time around. They didnt pay our home owners insurance then either and our insurance company cancelled our policy. Since then our Home Owners Insurance has gone from {$1000.00}. to {$3000.00} Recently we received a letter from Loan care stating that our escrow account is short yet again for {$1800.00}. Upon receiving this letter I immediately called in but the representative I spoke with couldnt give me any clear answers and therefore, I requested the call be escalated and for her to have a supervisor call me. To date no supervisor has ever called and I need your assistance! This company is the subject of many class action lawsuits due to their poor track record of servicing home owners loans. I really hope you can help us! Thank you.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (AZ)

Had problem with a merchant. Filed a dispute with XXXX XXXX on XX/XX/XXXX after attempting to solve with merchant 3 times. 
Was told repeatedly that claim was solved in my favor by XXXX reps and a supervisor in XX/XX/XXXX. I have been told a different scenario almost each and every call I have made. I am told " '' '' rep didn't document call for XXXX mins '' " we do not know why claim agent did not call '' " we will put in another request for them to call '' " we have no record of that '' etc etc. 
As a matter of fact the charge of XXXX has been added and removed XXXX separate times. 
Now the charge was reversed again on XX/XX/XXXX and after faxing the entire story yet again on XX/XX/XXXX I was denied an appeal. I have called several times over this. All calls have been documented by the main US Bank. They have had me wait to talk to a case XXXX XXXX separate times ( they never call in XXXX hour period as you are told ) I have to call again and again. Now I'm being told there is no one to take my call directly for the claim. I am awaiting call records from bank to show all the calls I have needed to make to this department. And now they are denying me an appeal even though I have submitted more documentation within the 10 day appeal period. They claim since I paid for service I can not dispute it saying their hands are tied. But my issue is with a rental company that takes payment upfront. This was all stated to them many times verbally and in writing. Vehicle was mechanically broken, I was denied another functioning vehicle from the XXXX XXXX and falls under customer goods and services " NOT AS RECEIVED '' rule which they are fully ignoring.
Consumer complaint received 2022-08-07
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)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brennan & Clark, Ltd., LLC (TN)

They would not tell me who they were. They would not provide any information about my debt and said it wasnt their problem and they didnt represent me. They would not tell me if they were a licensed attorney or licensed debt collection agency and are using an email address that leads to an attorney/debt collection website. At no time did they ever say it was an attempt to collect a debt. I have all communication records.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I went into my local Citibank on XX/XX/2020 around XXXX. I had the teller transfer {$100000.00} into my personal savings account. I then sat with a bank representative that took my passport information and placed a wire for me in the amount of {$100000.00} to my personal XXXX account. The wire never made it. I later found out that Citibank not only stopped the wire, but returned it and then froze my account. I called daily to ask them to unfreeze my account. They told me I had to wait 7-10 business days for a letter with a reference number. I even went back into the same branch and they called the fraud department to tell them they were the ones that initiated the wire and to unfreeze my account. I called daily to speak to a supervisor, was told one would get back to me and no one has called me. I received the " letter '' and it had the wrong name ( last name XXXX ) and it also had the wrong last 4 digits of the account number in question. I called and told them that they had made a massive mistake, gave them the reference number and my account is STILL frozen since XX/XX/XXXX. I was promised an email within 24 hours. It has been XXXX hours now. They are holding my money hostage, {$120000.00} to be exact. This is not okay. I am now having XXXXXXXX XXXX and XXXX and no one will help me. Please help.
Consumer complaint received 2023-03-07
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: JPMORGAN CHASE & CO. (PA)

In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.
Consumer complaint received 2021-12-08
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. (CT)

I do not owe XXXX XXXX or XXXX XXXXThe apartment complex incorrectly reported a balance when they sent me money they owed me along with a letter stating my balance for rent is {$0.00}.
Consumer complaint received 2021-04-04
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: CITIBANK, N.A. (PA)

I tried called them concerning my payment the conversation didn't go well they are very unprofessional company. Yet I still couldn't make a payment and if you look at my payment history I do very well since I had this credit. 
I've been racially profiled against from Citi shell credit card.
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation (NV)

On XX/XX/XXXX I checked my Card.com account and notice {$940.00} was withdrawn from my account. I called Card.com and had my card canceled and ordered another one. I disputed the charges on XX/XX/XXXX I filed a police report with XXXX XXXX XXXX Police Department case # XXXX to assist in the investigation. I feel that there will not be a thoroughly investigation. Cameras are at the location of the crime so it should be an easy investigation. Just get the camera footage. Please help!
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Creditor is in violation of 15 U.S. Code 1692b ( 2 ), also in violation of 15 U.S. Code 1692b ( 5 ), also violate 15 U.S. Code 1692c ( A ), 15 U.S. Code 1692c ( 4 ). reporting requirements do not comply with FCRA standards and the information must be deleted immediately
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

My daughter XXXX XXXX was diagnosed with XXXX XXXX and was advised by her doctor not to travel by airplane. Her airplane ticket, airport transfer and hotel reservation are not refundable.I claim her airline ticket cost and hotel stay that should be covered by the Chase Saphire Preferred credit card Trip Cancellation/Interruption benefit Claim Number : XXXX All paperwork was submitted multiple times and it had been more than 3 months since I opened the claim. I keep being asked for more and more documents. ( up to 15 now instead of original 4 ). Thus far, only received partial reimbursement for the airline ticket.
Consumer complaint received 2021-04-04
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. (GA)

A XXXX XXXX auto loan was closed & paid in full on XX/XX/2019 when I traded my old car in & financed my current vehicle. XXXX XXXX updated the loan status to the three credit bureaus in XX/XX/2019. The loan is still showing open & delinquent with a balance on my Equifax report & showing closed delinquent with a 0 balance on myXXXX report. As a result the errors have dramatically affected my overall credit scores as well as Fico scores related to auto financing. I have disputed the errors & requested updates from both XXXX & Equifax but nothing has changed or been removed. The errors on the Equifax report have been particularly damaging because I am not able to qualify for a lower rate loan for a new car or refinance my existing car loan. Equifax blamed it on the lender for failing to transmit the updated info in XX/XX/2019, but I find that hard to believe since XXXX correctly updated the information & XXXX updated most of the information correctly ( with the exception of status being delinquent instead of current ).
Consumer complaint received 2021-04-03
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. (NV)

I disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. Equifax according to credit karma reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (CA)

The third round of stimulus checks was sent to me on a Money Network credit card. The amount that I received was {$7000.00}. I was limited to transferring {$6000.00} to my checking account because that was apparently the daily maximum. I have now waited two days and when I tried to transfer the final {$1000.00}, I'm told that I have reached the monthly maximum. It is now XX/XX/XXXX, so that means I have to wait until XX/XX/XXXX to get the rest of my stimulus money. I don't think that that was the intent of congress and I suspect that Money Network is pocketing a good chunk of interest on money that is due to citizens. I would hope that my final {$1000.00} comes with interest when I finally receive it.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

I have not been able to get in touch over the phone with my bank to discuss the overdraft payments assessed to my account for XX/XX/2021 {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$68.00} XX/XX/2021 {$68.00} and XX/XX/XXXX {$68.00} totaling {$300.00}. Due to the pandemic I am currently receiving unemployment assistance and trying to manage my money to pay all my creditors monthly and had a few mix-ups along the way.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Fraud charges on XX/XX/XXXX and XX/XX/XXXX for a total of XXXX. 

I contacted Citi by phone within 24hours and reported the fraud and specific fraud charges. 

The first CSR, the fraud department one, cut me off when I was reporting which charges were fraud but assured me she listened after I asked. Told me I was getting a new card and the charges would be investigated and removed. 

Later I contacted them again by online. My statement was cut and everything was charged. The polite rep told me they had all my charges and were doing an investigation, I asked him which charges and he listed 1 of the 9. He politely took the rest of the charges and said it would be resolved. 

1 week later I contacted again asking for the charges to be dropped, as promised by Citi. I was told it would be escalated to an executive team and no contact back. 

I also contacted them by online chat after giving a few business days to resolve things and they ignored that as well. 

Reference secure messages : XXXX, XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPL Recovery Solutions (CA)

numerous calls to fellow past employees, employers and family seeking information about me, they will not state who they are. Asked me to verify my info with out informing who they are and why they want the info. calls daily to many people i do not even know just worked with.
Consumer complaint received 2018-10-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lien Enforcement Inc (CA)

Vehicle was towed by the city of XXXX XXXX  then sold to another person over half a year later and now they are claiming I owe them XXXX for storage fees after the vehicle has been sold and I had spoken with them previously letting them know I no longer wanted the vehicle.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Early in XXXX ( probably in between XXXX XXXX XXXX Someone got into my PayPal account and added a debit card/credit card XXXX in XXXX expiration on XX/XX/25 ( VISA CARD ) with the billing address of XXXX XXXX XXXX, XXXX, NY XXXX as a payee- ( which is NOT my address ) On XX/XX/XXXX and XX/XX/XXXX, they transferred money many times until they emptied my account completely ( in a course of a few days ). 
XX/XX/XXXX - {$850.00}, {$870.00}, {$890.00}, {$950.00}, {$850.00} XX/XX/XXXX - {$830.00}, {$830.00}, {$800.00} TOTAL amount of {$5900.00} USD I contacted Paypal as soon as I saw it and they said it was authorized ( but I obviously didn't ). 
I opened an investigation with them which they concluded that it WAS authorized even though it wasn't. 

I am really upset. 

I never in my history with PayPal, I transferred those amounts on the same day like that. 
I don't have this debit card they added, nor I am not familiar with the address they used. 

THIS IS 100 % fraud and PayPal needs to take full responsibility on this matter! 

ALSO - On XX/XX/XXXX someone random ( XXXX XXXX ) deposited my PayPal account {$1700.00}. And then withdrawn it back in the amount of {$1800.00}!! 

I don't know the guy and they took MORE money than they originally deposited - I don't understand this at all! 

Something is connected somehow!
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NV)

I applied and was approved for a loan modification. However, my interest rate is higher in the loan modification. My current interest rate is 4.5 % and the loan modification interest rate is 6.0 %. My complaint is loan modification is supposed to help the homeowners. So, at least Selene should offer the same interest rate, if not lower, especially interest rate right now is lower. I accepted the higher interest rate of 6 % because I was afraid of losing my house if I did not accept the offer.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (OK)

on the XXXX of XX/XX/2021 i attempted to open a high yield savings account with viobank.com. I again tried on 3 consecutive days. called the XXXX number they said try a different browser. I have tried 3 different browsers XXXX XXXX XXXX, and XXXX  no luck. If I had been successful and later could not access my account what good would it have done if I could not have gotten back to the account. The question must be what browser accesses your bank and can I be confident I can always access my account? it is very frustrating not to be told exactly what browser to use when asked why i can not open an account.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I paid off and settled my accounts to be removed with XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax is still reporting those accounts on my profile and have failed to respond to numerous attempts for letters for validation on the status of the accounts being removed. I have already spoken with both creditors the in the terms of having the items removed. Its in complete Violation of my rights according to the FDCPA. Specifically, they failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt, another FCRA violation. Not only have you ignored my prior requests for validation of debt but they continue to report this debt to the credit bureaus causing damage to my character.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST (CA)

I stop by Bank of West branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, CA XXXX. I request a check to be cash it. I was questioned, if I were a Bank of the West customer? I respond it with a NO. I was explain that in order for them to cash my check they will deduct a charge of {$7.00} dollars, XXXX XXXX XXXX question me, why I did not cashed at my bank?, Reluctantly, I request for the check to be cash it. XXXX XXXX request my California ID and proceed to write down my license number and all the information in my clients check. I stop her, I told her clearly, I was not giving permission to provide my personal information to my client or anybody else, she could write the information into the bank computer system but not to my client trough the check. 
XXXX XXXX told me that it was procedure and if I want the Bank of the West check cashed, she will need to do written down in my clients check. I told XXXX XXXX that was not true and I need it to speak with her manager, her respond was that she was at lunch, if I want it to wait for her. I request for the check to be return it to me, that I will complaint about the charge to cash a {$500.00} dollars check and to the fact the she was giving my personal information to the check account holder without my permission.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either