davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Called in late XXXX to request to start PMI Removal Process. 
Agent advised they had to send a letter via US Mail. 10 Day lead time Weeks go by and no letter. 
Several calls to customer service during this time. None offered any help and advised I had to wait for the letter. 
A Month has now gone by and I get to an escalation manager. She has no idea why the letter was sent. 
This is when the vail starts to come down. They claim they can only send " messages/ emails '' to the PMI team. They can not call. Every week from then to now I call or she calls me and asks did I get the letter? I advise no and they send another message. And on and on the train goes. 

On a side note this seems to be a trend. Many many reviews out there with people having the same or worse expertise with PMI removal. Apparently some pay {$150.00} for appraisal and then hear nothing... Someone of authority needs to look into this business. I have experience in this sector and no reputable company would ever work this way. Especially one of the big banks.
Consumer complaint received 2019-12-05
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. (VA)

I did purchase a new bedroom furniture from XXXX XXXX store in XXXX, VA, on XX/XX/2019. I paid with a Visa CITI, Costo, card ending in XXXX, under my name, at XXXX XXXX. The amount was {$1000.00} dollars. Later on the same day, My wife personally canceled the deal. My wife did walk into the store and a refund ticked was issued by the store to my Visa card ending in XXXX for {$1000.00}, the time was XXXX XXXX. 

After 30 days I opened my Visa credit card statement on XX/XX/2019. I saw the charge from XXXX was there and no credit or refund was observed. I did call immediately Visa and ask for the error. They told me that the store never refunded the money and to call them. Id id call the furniture store and was told that I have the refund ticket that is proof that the money was send to the VISA CITI credit card. 
I did call back VISA and was told not to worry, they will start a dispute and put a conditional credit on the amount. The dispute lasted three months. I had to send paper work to the Credit card and a letter explaining my position which I did. I have expend so far more than 15 hours on dealing with this fraud. 

After that three months the Credit Card company final decision was with the furniture store and told me that I have to pay that amount. I don't want bad credit so I pay that amount at the end of XXXX. I had to and see my dad outside the country in XXXX and was not able to follow up in this complain earlier. 

I was hoping that after I pay then the store will have that money in their account. I just talk to them and they keep saying that the Credit card company has the money. 

Please help me clarify this problem. 

Yes there is a receipt for the refund to the credit card from the furniture store but the Visa Card said they never received. Please help me solve this situation that is costing me a lot of time and money that I need for my father 's XXXX XXXX. 

Thanks, XXXX XXXX XXXX P.d. I have been advised to complain about also the furniture store to my Attorney General.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I was denied credit by XXXX XXXX  because it said I was deceased. I called the number XXXX listed on letter it was for a XXXX account. I called Equifax and they said I was listed as deceased and asked me for SS number and what credit cards I had balances ext. they said SS office reported me as dead. So I called SS they said they do not have me down as deceased and I am still receiving SS XXXX check. I am worried I gave info to a scammer and also need to fix report that I am deceased. You
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (FL)

Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX  XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

We were on vacation out of the country for two months. We paid the credit card company in advance for expenses that would occur while we were gone. I arranged this and notified the Capitol one visa card in advance. While were were gone they sent a check for the positive balance we had for the second month while we were gone. When we returned home I sent them XXXX checks. I confirmed they received XXXX check. The other they stated they did not have. They told me to contact my bank and put a stop payment on the check. I did that. I requested a raise in the credit card limit. They sent me a letter stating they could not raise my credit limit due to a stop payment. I tried to explain with no resolve. I must admit I lost my cool with them during this discussion. They told me they raised my credit limit a few weeks prior. I asked them why no notification? They did not raise it, this was a lie. I told them we have excellent credit rating and I did not want them tampering with it due to all there errors. 
Our error was paying in advance in good faith. I would suggest to others to use great caution dealing with this company. I should be noted that prior to this conversation they awarded us XXXX air miles for the hours we spent on the phone with them.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I saw an Capital One credit card ending with XXXX under my name with outstanding balance for {$2800.00}. I do not recognized this credit card. I think someone was used my name and SSN applied for this credit card and used without paying. I did n't notice until this morning I checked my credit report. This outstanding credit card leave a huge impact on my credit report.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AZ)

Thank you all for taking my complaint! From day 1 I have had nothing but problems from Barclays Bank, and their AAdvantage Aviator XXXX XXXX XXXX XXXX. Mind you they solicited me during my first class flight on XX/XX/2022. I was approved for {$3500.00}, and I was offered : 0 % intro annual percentage for 15 months on balance transfers made within 45 days of account opening. 

{$0.00} introductory annual fee the first year, after that {$99.00} When I tried to request a balance transfer after approval, they tried to drag it out past the 45 days so they did not have to honor the promotion. I had to contact them constantly regarding the balance transfer offer. I had to escalate to a manager. I finally received the balance transfer. 

Now they have started charging me erroneous insufficient funds fees. When I schedule a payment, they try to draft the funds before the scheduled date, then they retry on the scheduled date. I have funds in the account, however my Credit Union s not going to release the funds until the scheduled date. Tw billing cycles have passed, and they have charged me two insufficient fund fees. In my opinion they are doing this to recoup the {$99.00} annual card fee, which was waived under this alleged promotion. In my opinion they are charging me these erroneous fees, because they can not collect interest from due to this alleged promotion. Ever since I rang the alarm on the erroneous insufficient fund fees, they refuse to speak to me. When I chat they tell me to call in. When I call in they leave me holding for an alleged supervisor ; Or Manager. I am paying my bill, I am paying my bill before the due date. In my opinion Barclay Bank, and AAdvantage AviatoXXXX XXXX XXXX XXXX XXXX are committing fraud on my account! In my opinion Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are stealing money from me! Please help me stop Barclay Bank, and AAdvantage Aviator XXXX XXXX XXXX XXXX are committing fraud on my account from the illegal activities they are committing against my account. They are ruining my credit with these erroneous insufficient fund fees. Please help me!
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

The loan servicing website has an " alerts '' section which includes both transactional -- statement is ready, tax forms are available, and other notices that should not be ignored -- and promotional offers. Excessive promotional offers. A ratio that seems to be about 12 offers for every alert that I needed to read. 

I contacted customer support to be excluded from receiving these offers. They were unable to help. They removed me from receiving promotional emails, but could not do anything about the messages served by the loan servicing application/website. 

The in-application alerts are the only channel I receive some required communications, and as such, I can not ignore it. 

I feel the lender is abusing my need to use this feature of their loan serving website to receive transactional communications in order to make me a captive audience to promotional messages that I can not opt out of receiving.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2020
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

THE COMPANY CLOSED MY ACCOUNTS FOR SUSPICION OF FRAUD ON THE XXXX OF XX/XX/XXXX WITH {$65000.00} IN THE ACCOUNT AND DID NOT ALLOW ME ACCESS FOR XXXX  MONTHS UNTIL I COMPLAINED THROUGH CFPB ON THE XXXX OF XX/XX/XXXX OF DISCRIMINATION AND UNFAIR TREATMENT. 

THEY HAVE NOW RESOLVED TO APPROVE THE FUNDS AND SENT ME A CHECK FOR THE TOTAL AMOUNT OF {$65000.00}, BUT SAID NOTHING OF MY ACCOUNT THEY CLOSED AND NOTHING ABOUT INTERESTS FOR UNFAIRLY HOLDING ON TO {$65000.00} FOR XXXX  MONTHS. 

I HAD TO BORROW THE MONEY TO COMPLETE THE TRANSACTION AS STATED IN MY EARLIER COMPLAINT.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed a complaint with Equifax about my credit card account with XXXX  XXXX account number XXXX, not being accurate of there site and they removed my account from there system. I have called and tried to get them to put my account back on my credit report, but have been given the run around stating that I need to get a reinstatement letter from XXXX  XXXX, and then I was told that I need XXXX  XXXX to call them, I have been given the run around for since XX/XX/2021. Now I have a second account with XXXX XXXX and that account is not being report either. I called XXXX XXXX they stated that they are reporting to all 3 credit bureau ever month this problem did not start until XX/XX/2021. Can you please help with this problem? 

Thanks XXXX
Consumer complaint received 2016-05-16
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (GA)

My university fowarded this company my " debt '' for classes I was unable to attend and did not pay for. I have an appeal pending to resolve the issue. In the meantime, this collection agency has made frequent calls to my cell phone and is now calling family members who have no connection to this contested " debt ''. It is harassment.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CA)

On XX/XX/2022 I deposited a check in the amount of {$1600.00} to my personal checking account with Bank of the West I was told that because I made a mobile deposit that due to Federal Regulations that my check would be held for approximately XXXX  days the check was supposed to be released on XX/XX/XXXX on XX/XX/XXXX I have no access to any of my funds so I called into customer service to find out why I was unable to access my funds spoke with the branching manager XXXX XXXX and she stated that my very I needed to verify my identity so I sent her a copy of my ID social security card and also business documents showing that that was my the name of my business on XX/XX/XXXX spoke with branch manager branch manager stated that I would have to open up a business account because the check was issued in a XXXX stated to XXXX that my business contains my name as per the documents she received on XX/XX/XXXX and that I do have the option to keep a personal account because my name is included with the business. In error the payer of the check included the " DBA '' however I am only registered with the IRS and state of California as XXXX XXXX XXXX XXXX XXXX XXXX which means that it includes my first and last name on XX/XX/XXXX while explaining to the branch manager that I felt like I was being discriminated against she hung up in my face so I later stated that I will be filing a complaint due to the fact that she has given me a very hard time in receiving funds of which are mine and now I have no access to my account the banking account has been removed from my online banking access and I have no idea where my funds are. She also stated to me that I would have to open up a business account and come into the branch to open the account even though she had all of my verification documents to open a business account if need be however I did not need to open up business checking account and on XX/XX/XXXX I went to Bank of the West online banking and I was able to apply for a business checking account
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2021 a notice of dispute was sent via certified mail to Synchrony. The notice sent was a demand for proof of debt claim for 2 different accounts. It was requested for the corporation to provide all of the appropriate forms and paperwork that I requested back to me along with an Affidavit signed in Accordance with Title 28 USC sec 1746 within 30 days from the date of receipt of the notice/request for validation and proof of claim. I was mailed back a letter with screenshots attached of invoices showing activity on an account, but nothing proven that I " the consumer '' am responsible for the " debt '' in question. Synchrony Bank has intentionally ignored my written request to verify their " debt '' claim by not sending back the requested documentation and they only continue to attempt to collect. As a consumer I am aware that under the FDCPA this is a violation on Synchrony Banks part. 

" A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector 's written notice. ''
Consumer complaint received 2022-01-23
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. (FL)

I sent in since XX/XX/XXXX paid bank checks with statement and now XXXX sent in banking letter with tracking information of payment. XXXX refuses to do their job and review bank documents and refuses to process any document of proof. I have been going thru this with this company 2 years. There job is to verify and produce documents that show the information is correct into which they refuse to not remove. They have done none. 

These accounts accounts are paid in full not late, in collections or any other false reporting they are displaying on my report XXXX XXXXr {$640.00} XXXX XXXX {$150.00} XXXX {$530.00} XXXX {$1200.00} XXXX {$270.00}
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DC)

I have a business checking and savings as well as a personal account with M & T Bank which has been open for roughly XXXX years. When I opened the account, I was incentivized to have any fees waived by opening a business and personal bundle. XXXX accounts waived a {$25.00} business checking fee and a {$14.00} personal account fee. This occurred until the middle of this year. 

As noted above, the {$25.00} dollar charge and {$14.00} charge stopped being waived without explanation. I called the bank each month to ask why this stopped and was told that I was compliant with the bundle policy communicated to me upon opening. On XX/XX/2022, I noticed additional charges and called to inquire. Today ( XXXX ), I was told that there is now an account minimum which I do not meet ( and have never met ) and that the branch manager was waiving this fee at his /her discretion. 

These changes were never communicated to me in any written or electronic form. Previous interactions with live customer service representatives - as recently as XXXX / XX/XX/2022- indicated no account balance minimum or bundle waiver issue. 

I was told today verbally by a customer service representative that they will now send me something in writing- only after the charges have been imposed to both my personal and business checking. 

Arbitrary enforcement of bundle fees with no communications is clearly a misleading effort by M & T Bank to sell/ bundle their accounts and boost account opening stats. 

I'd appreciate if there was an inquiry into these types of practices.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (OH)

Hello, I opened an account with Ally Bank on XX/XX/2022. I later funded this account with {$80.00} from XXXX XXXX, linked the Ally account to my XXXX account, and used it one time to purchase food online. 

I got an e-mail at XXXX AM stating " Your telephone banking PIN has been changed '', despite not having made any changes to the account. I called Ally support that afternoon, and after I answered my security questions I was told that the account had been temporarily frozen and was under review. The customer service representative mentioned that it could take their team up to two weeks to investigate. 

I do not trust Ally 's ability to resolve this issue quickly, and I figured I would submit this complaint now to help expedite the issue as necessary.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

My account was debited XXXX XXXX monthly service fees until the balance was negative and the account was closed without my knowledge. I never received any statements for this account and I was not aware of the XXXX XXXX monthly service fee. I was told that the monthly service fee was not applicable as it was linked to my other accounts. This is not fair and I don't like what happened.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

XXXX XXXX account was closed and paid in full. There was actually a over payment that the company owed me. 

A collection agency is trying to collect on an amount that is not owed. In fact this is the second collection company that has tried to collect money not owed to XXXX. 

I have contacted XXXX to dispute and they supposedly checked and collection is correct. It is not! 

I have documentation to prove