davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

XXXX XXXX sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted XXXX XXXX multiple times for them to resolve this error. XXXX XXXX insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, Jefferson Capital Systems, I am told I must have XXXX XXXX resolve this error. 

XXXX XXXX is refusing to resolve this error is selling my settled and paid debt to Jefferson Capital Systems. XXXX XXXX is refusing to refund me for the debt settlement payment that I have already made.
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I was told on two occasions my refinance was approved and a closing was imminent. The first occasion was XX/XX/2020, I received a call from a processor who advised me not to make my XXXX mortgage payment because those funds would be used at the closing. The closing never occurred and I received late fees once I made the payment. This happened again in XX/XX/2020 and then I was told my mortgage application had expired and I am no longer eligible for a loan.
Consumer complaint received 2020-12-04
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: CBC Companies, Inc. (IL)

Dear Innovis, XXXX, XXXX  : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2020-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

I applied for the Covid19 relief for 3 months, but I actually made a payment the same month I applied and they did not extend my month. My mortgage has become frozen. I just made my first mortgage payment and my balance is not updating correctly, payment shows unapplied, I can not pay more principal, I have asked for the name of my HUD caseworker and the status of my case with HUD to repay my 2 months, all of my questions are IGNORED REPEATEDLY. This bank is a scam. I need answers to whats going on in my case. I repeatedly get disconnected. They always state they are going to follow-up and their email responses are just robotic and do not address any of my actual concerns.
Consumer complaint received 2020-07-17
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. (CA)

Wrongful systemic institutional XXXX has, and continues to rear it's ulgy head, again!!! XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reasons : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 or more days late making my monthly payment. 2 ). Due to the current pandemic I have  been under a forbearance agreement which has been extended a additional 2 months. Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payment/s, nor late fee assessments reported to the credit reporting agencies! In addition I have NEVER been contacted, or communicated, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

My original credit limit was {$10000.00}. I paid my balance down below 30 % and Citibank decreased my credit limit to {$3400.00} and while I have a balance of {$3200.00}. I explained to Citibank representative and supervisor that I used the credit card to take care of myself and my family that were affected by COVID-19. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage 95 % instead of being under 30 % as I planned. This pandemic has brought my financial hardships and stress but I have always paid my account on time. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue? I need to keep my great credit score for future endeavors.
Consumer complaint received 2020-07-16
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)

FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to Consumers ' Bank and Credit Card Accounts without Their Consent XX/XX/2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} XXXX without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - XXXX XXXX {$7500.00} XXXX XXXX XXXX   {$380000.00} XXXX {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-08-03
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. (AZ)

My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with XXXX who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with XXXX will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.
Consumer complaint received 2020-07-16
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Before the coronavirus my credit score was XXXX and after the coronavirus my score went down to XXXX. This is unfair due to the fact that I have not been out of work and I have not stopped paying my bills. Then Equifax reported did I had a 39 % usage on my premier credit card XX/XX/XXXX which is absolutely wrong because I have not used that card in months and have continued to pay the bill. This problem needs to be addressed.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DC)

I have mortgage with PNC Bank for my condo in DC. After making a regular mortgage payment onXX/XX/XXXX, I made an additional payment of {$24000.00} on XX/XX/XXXX that should all have been applied towards principal. However, instead the payment was considered a regular payment for the payment due on XX/XX/XXXX and thus, only the amount in excess of the regular payment was applied towards the principal. I contacted PNC and after a few phone calls the issue was fixed on XX/XX/XXXX almost a month after the incident.

During my call with a PNC representative, I asked them what can I do to ensure that if I make an extra payment the entire amount gets applied towards the principal. They gave me a phone number to contact. On XX/XX/XXXX, I called the phone number and I paid a {$7.00} fee to make a {$10000.00} additional payment towards the principal. During my phone conversation, I was notified that they can not process a phone payment by phone that is {$10000.00} or more and instead they will have to break it up in two payments but that they could process it in such a way that the entire amount will be applied towards the principal. When I looked at the payment history, I discovered that out of the {$10000.00} payment only {$1000.00} was applied to principal and the remaining {$9000.00} was applied to " OTHER. '' After I discovered this issue, I called again and I was notified that they made a mistake and they will work on fixing the issue but currently, the {$9000.00} payment is PNC possession and has not been applied towards the principal on my mortgage.

When I talked to a PNC representative about two weeks ago during my first call with them regarding the PNC misapplying the extra payment, I also indicated that I would like to know what is the process to remove the PMI payment if my property has appreciated. They indicated that they will send me the information regarding their pre-approved appraisers. However, I have yet to receive such information.
Consumer complaint received 2020-07-16
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (LA)

Navient ( Sallie Mae ) was presented with a cease and desist in XXXX that was illicitly processed by XXXX University ( XXXX ) in California in XX/XX/XXXX. I tried over several years to have the loan dismissed as XXXX processed the loan application as part of the initial application packet without my knowledge and failed to inform me that the loan had been processed. When I received the invoices from Sallie Mae it was too late to cancel the application with XXXX XXXX as they had a 7 day rule cancellation policy. After several years of trying to work with Sallie Mae and never attending a single class at Sallie Mae I sent a cease and desist to Sallie Mae stating that the loan was fraudently processed by XXXX and that I had never attended a single class. The cease and desist stated that unless Sallie Mae intended to take me to court over this matter to cease and desist all attempts to collect the debt. As of today, XX/XX/XXXX I received a phone call from a debt collector ( XXXX ) stating they were trying collect a debt for Navient, referencing the same XX/XX/XXXX debt mentioned above. I informed the company that called that a cease and desist was in place and that I didn't want to receive any further contact from them. They stated they would comply. This complaint is against Navient for their pursuit of this matter, and obvious disregard of the cease and desist request and the over 20 yrs of time that has elapsed.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

Hard to deal with US Bank. Have multiple issues. First, in XX/XX/2019 US Bank was running promotion promising {$15.00} credit for {$75.00} but never received. Contacted the bank rep who admitted they had problems with the offer and promised a resolution would be mailed to me. In few weeks I got letter explaining {$10.00} and some change was the bonus ( it was supposed to be {$15.00}??? ) and I thought it was a credit from a promo running BEFORE XXXX. 

Now, have applied for a new card on XX/XX/XXXX. Still waiting for the card in the mail. Meanwhile getting bombarded with email and calls daily asking to activate the card ... which I did not receive and when calling customer service they just revolving around " what your credit card # '' question. How would I know if I did not receive it? You should ask yourself why instead? It had been 2 weeks since ...
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

I received a settlement letter that if I pay off a bill at a discounted amount that I would no longer owe the debt. I was put under the impression that once I settle this account, it would be deleted from my credit report. It was not deleted and still shows on my XXXX  and XXXX  credit reports.
Consumer complaint received 2020-12-04
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: JPMORGAN CHASE & CO. (NJ)

I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. XXXX didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with XXXX  around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : JPMCB ). There is no information on my profile as to who this company is. Did they provide XXXX  with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. XXXX  investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that XXXX  seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I tried send u claims about this debt and it seem that anything is not done about it, mean time my credit is ruin and I cant get anything. The name is syncs Sams club their in CA. According to them I owe them XXXX its not true this debt is not mine I want it off or else Im suing. This bank was doing fraud with lots of people they caught them and they sold it to XXXX  XXXX. So, now I owe XXXX XXXX for this card that I bet applied. They are in a law suit now, now Im owing it. Take this off my credit please
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Transaction : XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX # XXXX ) XXXX NY XXXX Transaction Date XX/XX/XXXX XXXX XXXX ET Posted On XX/XX/XXXX Transaction Type Debit Card Purchase Card Number Ending In XXXX - {$110.00} I originally called I believe on XX/XX/XXXX to dispute this charge. I did not nor have I recently placed any orders through pcrichard.com nor have I visited a XXXX  XXXX XXXX. Especially not in the middle of the night. The original representative said they would take care of this. What they didnt do, was close my account and issue a new card I did this on my own as well. This was a fraudulent charge and this should have been the first call to action. 

I then received a letter in the mail a week or so later asking me for information about the transaction, which I dont have since I did NOT make this purchase. I immediately called and spoke to another representative who said that I should ignore the letter and that Citibank would investigate. I distinctly remember the representative asking if I would call the retailer. To which I said, I prefer if you handle it. For the monthly fees I pay for the account, I think its the least that can be done. 

XX/XX/XXXX, I was looking at my account to see if the charge had been resolved. And it HASNT. After being on hold for a long time, the representative said the second person was wrong, and since they never received the letter with the additional information ( that I cant provide ) the case has been closed. I am asking that the case be reopened and resolved asap. I will try calling the retailer, but I dont have any of the transaction information, besides the date, debit card number and amount ( as above ). 

I spoke with the retailer, XXXX XXXX, and the order ( # XXXX ) was for an XXXX XXXX XXXX ( something I have not ordered ) and was shipped to an address in Florida ( I definitely did not gift purchase anything of this nature ). My address and the ship to address were both blacklisted in their system. However, I can not get name or address without filing a police report. And since the items was shipped and received, the retailer can not refund me the money as they can not get their merchandise back. The onus is on Citibank to help. 

XX/XX/XXXX, spoke with another citibank representative who kept telling me that the case is closed and can not be reopened without a letter ( after me telling her that I faxed two letters ). She then stopped responding ( either intentionally or because of technical difficulties ). I called back and spoke to another representative who said that my faxes were received but it would potentially take up to 120 days to reopen the case. I find this reprehensible and unbelievable frankly. Thank goodness I'm not in dire need of my moeney ( which has been stolen from me ). Now it's the waiting game. I've been a customer for over 20 years, and I'm most likely going to switch banks.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Can not use XXXX XXXX account to deposit my own money to the XXXX XXXX account. I don't need a Bank to control where my funds go if I decide that is where I want to have it deposited. Please stop controlling our accounts.