davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

So my first complaint is closed that the company responded. Unfortunately I still need help as the agent they assigned to me dropped the ball. He left me a voice mail on XX/XX/XXXX that he was leaving on vacation and needed more time to research. He then neglected to return any of my calls until XX/XX/XXXX. on XXXX I logged in and see his letter in regards to the payments lost. This agent uses the words " claimed '' to refer to me as if I am lying and states they received my payments in XX/XX/XXXX. That is very clear as that is when I finally made the payments for the back months that PNC couldn't find from the online bill pay done my bank that came out of my account that they could never find. After 90 days of trying to remedy the situation I finally called my bank and had them research and cancel all 3 payments so I could do a check over the phone to catch the account up. I was charged multiple fees and this resulted in negative credit reporting. The agent never got back to me and I know that are notes on the account of me trying to remedy that solution. My credit was marked with a 30 day late and a 60 day late. This holds me XXXX to PNC as I can't refinance my mortgage with a competent bank until I have 12 months of no late payments. 

The first issue was the condo policy insurance that happened every year and he references in his claim that renewal documentation wasn't in time during XXXX. Well I am not surprised that is exactly what I told him the years of previous insurance issues were from. The HOA will not provide to the mortgage company, PNC never sends the request to me for the insurance to provide, they only notify the HOA and I am never notified until I show up as making a partial payment and then provide the insurance -- -every year this results in fees and typically a 30 day late. 

They did not remedy the situation, in fact the agent went on vacation and closed this out. I never got the follow up needed. Please help me in holding PNC to the federal regulations that they are required to abide by.
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I believe I opened a secure credit card on XXXX or XXXX of 2014. When I was misled and pushed by the bank officer, after assuring and promising that I will have absolutely right to get unsecured credit card within 6 months time under Wells Fargo business policy. However, I have learned in a hard way that it was not true. Even though, I have never late or miss my payment for a single day since the opening of this account, and also the APR is close to 25 %, I have not gotten yet to this day what I was promising more than 6 years ago. This simply makes me mad as XXXX, because what the bank promising was simply untrue, even I have a credit score between very good and excellent. This is very depressing, because they don't really care, for something that I can not explain and understand. This is unacceptable, unfair and unethical. The opportunity cost of 6 years is beyond incalculable financially and emotionally. Of course, I got a negative yield by any measure. Today, this is particularly true for me, after wating for 6 years. 

Over the entire 6 years period, I spoke with different customer services regarding this issue more than 40 to 50 times, but I have only gotten a lip service saying " you are not graduating yet, wait a little bit, we will let you know when the time is right ''. I was constantly pleading with them to stop this trend of misleading not to continue forever, but anyone they are doing it. 

Not only this but also they opened awhile ago a new account without my consent, when I found out, they apologize over the phone, and I moved on. Despite of all the bad things, I have continued my business. Now, almost my faith is collapsed. 

Now, I realized that Wells Fargo system becomes a grave concern to me. That is why I am desperately seeking your assistance. 

Sincerely, XXXX
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I went to Chase Bank to withdraw money that had been released from a electronic deposit from my external checking account I was asked to show two forms of ID to get the money I did that..So assistant bank management got the money from a teller brought it to the desk at her office and then tells me she changed her mind and was not going to give it to me because she felt like a XXXX  guy looking like me should not be receiving a check that big ... she verified with my external bank who had sent the deposit that the funds were available for me to withdraw it... I called & made a complaint she contacted me and said if I would drop the complaint she would release my funds immediately but if I didn't she would close my account after stateing that I would not drop my claim she closed my account and still has not sent me my money that was in the account when she closed it
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns.

Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-11-02
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I contacted Chase and closed our Sapphire Preferred credit card in order to go back to using our XXXX Reward account. Before closing the account I asked the representative if we would lose our reward and she explained that the points would not be lost. On XX/XX/XXXX I contacted Chase to redeem our Sapphire rewards and they informed me that the points were lost. I explained that I was not informed at the time of closing and they should listen to the recorded call on XX/XX/XXXX. They said they would refer to the marketing department and respond within 7-10 days. I received a letter from Cardmember Service which states " according to the terms and conditions of the rewards program agreement, customers have 30 days from the date of the account closure to redeem rewards. '' I've read the agreement and it states " your points don't expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in the terms of the Rewards Program. '' I contacted Chase on XX/XX/XXXX and spoke to XXXX and explained the situation again and she stated the same explanation that was given in the letter. I asked to speak to the marketing manager who would be responsible for the response however they have no customer contact. In summary : I was misinformed about losing XXXX points ( {$210.00} ) on XX/XX/XXXX when I closed the account. If I had known we were to lose the points we would have asked for the points to be redeemed at that point in time. Please assist us with this issue and advise us of the results of your investigation.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

In early XX/XX/2019 my daughter visited The XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ) for an appointment. 

The XXXX XXXX had recently changed head providers and therefore, tax ID numbers, and so my insurance ( XXXX XXXX XXXX ) did not cover the appointment. 

Several months later I began receiving bills from Transworld Systems , Inc. Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) for the amount of {$270.00} for the appointment. 

After conferring with my insurance and verifying that they would not cover the cost, I sent the XXXX XXXX a check for {$270.00} through my bank, XXXX XXXX, which was cashed on XX/XX/2019 ( see attached .pdf titled " XXXX XXXX '' for proof showing the image of the cashed check ). 

I continued to receive notices for debt collection for the {$270.00} from Transworld Systems despite paying the amount. 

In early XXXX I went to The XXXX XXXX and spoke to the billing department, informing them of the issue and providing a printout of the proof that the check had been cashed ( same as the attached .pdf, " XXXX XXXX '' ) along with communications from Transworld and from their billing department to copy and inform the involved parties. 

I continue to receive debt collection notices from Transworld despite paying the amount, with the most recent, printed XX/XX/2019, arriving today ( XX/XX/2019 - see attached document " Transworld Letter '' ).
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

RE : Equifax Data Breach - This complaint requests that Equifax immediately renders all settlement services due to me as the result of the federal court agreement established on XX/XX/XXXX. I am a victim of the Equifax data breach, and as a result of this breach, I have suffered extensive damages to my credit, including fraud and identity theft. I confirmed my eligibility and filed an initial claim in XX/XX/XXXX and again in XX/XX/XXXX with no Equifax response. 

During the process of my claim, I selected the option to receive reimbursement for the Equifax subscription. I have not received any written acknowledgment of my claim or confirmation that I would be receiving such services. In XX/XX/XXXX, I subscribed to the XXXX credit monitoring services in light of Equifax 's lack of response. I submitted by mail to Equifax copies of my subscription fees ; however, I stopped such services in XX/XX/XXXX since Equifax has not responded to my reimbursement request. 

At this point, I seek CFPB 's assistance to enforce Equifax to immediately restitute my credit by rendering reimbursement of credit monitoring services in XXXX and providing me credit services for the next four years. Also, I seek reimbursement for all out-of-pocket losses for the costs incurred in hiring professional services to fix my credit. 

Equifax has failed to comply with the Federal Court Order. Regardless of the appeals that Equifax may be seeking, I kindly request CFPB to address Equifax 's failure to amend the damages I have suffered due to the breach of my information. 

Thank you,
Consumer complaint received 2022-03-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (CA)

My complaint is about a leased vehicle where my insurance company paid the bank approximately $ XXXX more than the value of the vehicle after it was declared a total loss. 

My wife and daughter were in a hit and run accident. My wife was the driver and was found to be at no-fault. The vehicle was a total loss. It was leased from US BANK in XXXX XXXX. XXXX XXXX settled and sent a check directly to US Bank for an amount that is more than the value of the vehicle when it was leased to us 13 months ago. The lease shows that the agreed upon value of the vehicle was {$50000.00} ( Gross Capital Cost ). However, I also have a statement from US Bank dated XX/XX/XXXX that states that if I were to purchase the vehicle, the pay off amount was {$45000.00} I had just renewed the registration in XX/XX/XXXX and within the 13 months prior I purchased a few after market products that were installed in the vehicle for approximately {$1700.00}. All of our add ons, except for one item ( worth {$53.00} ) were still intact despite the accident. Receipts for those purchases were sent to our insurance company. XXXX paid the bank {$54000.00}, which if based on the pay off amount on the XX/XX/XXXX statement is {$8200.00} more than what it was worth 13 months ago. 

My wife and I reached out to the bank about the overage to find out if they would send it ( or a partial amount ) to us but they said we are not getting any refund from the settlement check, and they claim that we are not entitled to any amount at all. We called the bank and the insurance company and they are pointing fingers at each other. The bank can not point out the provision on the lease contract that states they are the entitled to the surplus amount and we were told to contact our insurance company. XXXX said they were told by the bank to send them the full amount and at that point there was nothing they can do. 

I believe the bank and insurance company 's actions were unjust and unethical.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

It started in XX/XX/XXXX I filed for bankruptcy chapter XXXX. During that time that my servicer XXXX had transfer to CHASE with out informing me of the transfer. I had then contacted CHASE and requested to do a refinance because at the time my interest rate was at 4.875 % and my monthly payment was at {$1800.00} which I was not able to afford with only my social security income. In XX/XX/XXXX I received a denial letter from the lender stating that I was being denied for assistance due to not enough income. After receiving the letter I went to the office of for the Attorney General Office for Arizona and opened a case XXXXand filed a complaint towards CHASE and received a call back from them on XX/XX/XXXX from a point of contact XXXX XXXX and she advise me that they are able to review me for a modification. I received a loan modification package from the lender. I had prepped and submitted all my financial documents per the loan modification package to the lender by the end of XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX that they had received all my documents and that I was currently in review. In XX/XX/XXXX I received a letter from the lender they they needed more time to research my request, and by XX/XX/XXXX I would have a decision. Also in the letter it stated that the executive decision of the review was XXXX XXXX. The lender then advised me that they would offer me assistance as long as I dropped my compliant with the Arizona Attorney General. I then received a loan modification from the lender on XX/XX/XXXX and the interest went down from 4.25 % which reduced my payment to {$1500.00} which I was fine and happy with. It was months later that I was advised that my loan term had been extended an extra 10 years. Which shocked me because it was never mentioned on my paperwork and I would have never agreed to paying an extra 10 years on my loan. I then tried to do a refinance to correct the matter and was once again reviewed for a modification and was offer a stream line which began in XX/XX/XXXX for the amount of {$1400.00} which is only reducing my payment to {$13.00} but yet still keeping my interest rate at 4.25 % I feel that the lender took advantage of me and placed 10 more years of payments which I am struggling due to only have set income from SSI and my Annuity.
Consumer complaint received 2022-08-03
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-01
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

My current credit card report shows me having late payments since 2014 which were not my fault. 

Many times I ould go into a Wells fargo branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from Wells Fargo telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with Wells fargo. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I applied to have a credit freeze placed on my credit reports XX/XX/XXXX with all three major credit bureaus. XXXX and XXXX took a matter of minutes to complete, Equifax required me to call into a number. 
I placed multiple calls XX/XX/XXXX and finally reached someone. I was told they could not access my credit report and had to submit additional information BY FAX including a Social Security card, Passport/Drivers License, or other items to confirm my identity. 
They refused to say what aspects of my credit report were missing or incorrect and would not provide any further relief. 
They have refused to place a freeze on my credit, despite being the company responsible for an enormous data breach that exposed my personal information thus necessitating the need for a credit freeze to further protect myself. I find this position to be completely hypocritical and untenable to all those affected by their negligent caused breach.
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I had a washer through conns and purchased a dryer XX/XX/19, the dryer contract paid the remaining balance on the washer and combined to one account. I have since received 10 or more calls a day from various numbers trying to collect on a balance that should be paid off. When I ask for a supervisor I'm told it takes time to combine the accounts and they will put off the calls but the next day the calls resume. My contract clearly states the previous account is paid off. I've already made my first payment on the new account yet the old one shows 2 months due and the calls continue.
Consumer complaint received 2021-04-15
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.