davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank closed my account, stating I had late payments, to which I have not. On your credit report a late payment is a payment 30 days or more overdue. My statements will show I have NO late payments. 
Now they are trying to charge me a late fee of {$29.00} saying my payment was 2 days late. 
There is NOTHING in the disclosure stating anything about a late fee. 
I am tired of being harassed by this company, this is unfair practice and bullying You can see by the statements I have attached there has never been a late payment, they are doing this to justify closing my account for no reason. I will get a lawyer if this is not resolved!
Consumer complaint received 2022-11-16
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: SYNCHRONY FINANCIAL (OR)

On XX/XX/2022, XXXX  XXXX XXXX made a balance transfer to Synchrony Bank of {$2100.00}. They had already sent a balance transfer unknown to me at the time so this was accidentally {$2100.00} too much and gave me an over payment to Synchrony Bank. I then called Synchrony Bank to ask them to return the overpayment. I was told they would do that. I called on XXXX XXXXXXXX XXXX and was told a check was waiting but needed to be approved. I called today XX/XX/2022 and was told that it would be XX/XX/XXXX before i would be getting the check. I told them I could not wait that long because I would now be charged interest on that money from the other credit card and they told me weeks ago it was being sent out soon. I asked them to overnight it or get it here as soon as possible they said 7-10 business days. I had called XXXX XXXX XXXX  to see if they could get the money back but it was not possible, the only way was to wait for Synchrony bank to send the money back to me then send the money to them. I feel they have kept my money for long enough and its not fair to keep me waiting like this and being charged interest on it.
Consumer complaint received 2019-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2016-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Citi mortgage perpetrated loan modification fraud on me and sold my mortgage to XXXX. All we wanted to do was PAY our payments in installments. They said sure. Just do a loan modification.They tricked us. They added XXXX dollars to our principle. XXXX will not help me. Will you?
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 got into the hands of the wrong person.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NJ)

Goldman Sachs Bank closed my XXXX savings account without notifying me on XX/XX/XXXX. I couldn't receive over {$6000.00} direct deposit XX/XX/XXXX. The savings account pays my rent XXXX and XXXX, XXXX XXXX credit cards XXXX. They are not paid and hefty no-check fees, no-payment penalties, and late fees follow. I am a XXXX XXXXXXXX XXXX of XXXX at XXXX XXXX in NJ working on my tenure and recontracting packet for submission deadline on XXXX. This mistake by Goldman significantly disrupted and delayed my completion of the packet and may result in health deterioration and job loss. My tax return refunds are scheduled to be receive by Goldman Sachs savings account.

It was revealed by an account manager at midnight XX/XX/XXXX that the reason for the un-notified closure was due to ACH transfers to a checking account in the amount {$160.00}, which in XXXX meant a lucky number of " will be smooth and lucky '' and convinced the manager as motivated by superstition. However, Goldman Sachs Bank continued their wrongful closure and refused to return the money to me ASAP but insisted on taking 2 business days to review the account without taking any action to remedy my losses they are causing. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-29
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: RCS Recovery Services, LLC (AZ)

I received a collection letter from RCS Recovery Services LLc XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. This company is harassing me with calls and letters. Im in the state of XXXX protected by " uncollectable debt ''. This was a 2nd mortgage " purchase money 2nd '' - by the XXXX state law " anti-deficiency statute " The anti-deficiency statute for mortgages applies to purchase-money mortgages ( mortgages taken out for the sole purpose of purchasing the property securing the mortgage ) used to purchase a single one- or two-family dwelling on XXXX acres or less. So if you took out a mortgage to purchase your single-family home on a lot that is less than XXXX acres, your lender will not be able to sue you for the deficiency after a judicial foreclosure. XXXX Rev. Stat. Ann. 33-729. While this statute appears to only apply to mortgages, XXXX courts have interpreted it as also being applicable to purchase-money deeds of trust that are foreclosed judicially '' Please forward this complaint I am in need of protecting my credit and can not have this company report any judgment whatsoever on my credit. I would like a response to the handling of this matter.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax is reporting accounts on my credit file as " unknown '' after I 've notified them a few times that they need to identify these accounts. Not only that, but they keep passing the accounts to other collection agencies. I get XXXX account removed because it ca n't be verified and then they sell the account to another company who then reports it as well. This is an uphill battle that I 'm losing. They have refused to provide the required company name, address and phone number for these " unknown medical '' accounts, so if they do n't even know who these companies are, how are they verifying them with the creditors???? 
UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016, I mailed USPS certified letters to the credit bureaus XXXX I want to know who verified these accounts? A full investigation was not completed in regards to these accounts, XXXX & XXXX & XXXX XXXX XXXX. The following companies never sent original creditors documentation on file to verify information is correct and accurate. I stated please do n't respond to my request by saying these accounts have been verified by the information provide. I did not give these companies permission to publish unverified information on my credit file. I have the right to demand the following listed accounts be legally verified or remove inaccurate credit information.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

My credit report and file was frozen by XXXX XXXX, XXXX  and Equifax without my authorization or permission. I never requested for a freeze to be added to my XXXX XXXX, Equifax or XXXX  credit report. I applied for credit and was informed that my credit report was frozen by XXXX XXXX, Equifax and XXXX  without my permission. Review the attached documentation with this complaint. I did not request or give permission to XXXX XXXX, Equifax or XXXX  to freeze my credit report.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2019,,, Continued Issues That Was Never Solve, ( Example ) If Overdraft On My Debit Card, ,Using. The Access Code, ,The Money Is not Suppose To Come Out My Bank Account It Is Really Supposed To Be Credited From The Bank If Wells Fargo Already Owes Me Money And Never Paid Yet, ,So I Think The Bank Is Stolen Money From Me and Other Customers In the Bank, Which Is So Egregious, ,And Unacceptable!!!!!
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I did a mobile deposit payroll check from my employer. XXXX XXXX XXXX in Ohio. I received notification from chase that it was being processed and would be available XX/XX/XXXX. I called XX/XX/XXXX to make sure that was accurate, XX/XX/XXXX being a holiday and the gentleman said yes at the latest the XXXX. XX/XX/XXXX I check my account and it says the check availability changed to XXXX called chases deposit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX stated she would need to call my employers bank ( XXXX ) to XXXX she could lift the hold. She returned to the phone and said the XXXX rep stated the check was not good and was returned for insufficient funds. That same morning I contacted my employer who sent me documentation the check had been processed and cleared. I spoke with a XXXX rep that stated the check had cleared and no one would've told them the check was bad or returned. I called back to Chase 's deposit review dept and was told by the first rep there was a hard hold by the system and no one could override it, no fault of my own it was the system. I asked to speak with a manager, she stated he was going to tell me the same thing because no one in chase could override this hold. He stated my employer was known for bad checks and the check looked suspicious so the security team needed time verify its validity and wait until the check cleared. Once I made him aware I work a city government position and they have provided me documentation it cleared so there was no valid reason to hold my funds, he stated well we need to make sure they don't reverse it. It was a payroll check not a personal check. I asked to be transferred to the corporate office because everyone had a different reasons and I felt like I was being profiled. I put in a claim with the corporate office who said they would investigate. XX/XX/XXXX I received a message from Chase XXXX stating there was a hold and to reach out to their XXXX XXXX team to see if it could get lifted. This time I was told the check was being reviewed by the security team for validation. How is a check that has been proven to be good, processed, cleared and paid still be getting checked for validation. At this point they are withholding my funds for no valid reason and to keep insinuating the check may be fake after its been verified I am a public employee. This is profiling and discriminatory.
Consumer complaint received 2022-11-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (GA)

My mortgage company overestimated my escrow by over {$2000.00} and was aware of my totally XXXX veteran status, which reduced my property taxes by 75 % or more. I was advised by the escrow depart, via letter dated XX/XX/2022 of the overage of {$2000.00}. 

The funds have yet to be received by me, even after I have made more than four contacts with the mortgage company, since XX/XX/2022.
Consumer complaint received 2019-12-30
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. (CT)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-30
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 have demanded to see Verifiable Proof an original Consumer Contract with my Signature on it XXXX, Equifax and XXXX XXXX have failed to positively verify these accounts. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX must remove the accounts listed below : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (NJ)

In XXXX we lost employment and we defaulted on the Mortgage. 
When we regain employment we applied for a Loan Modification. 
The Banks were overwhelmed with Foreclosures and Modifications so they finally Modified the Loan in XXXX. 
Over a 100,000 Dollars of late payments was added to the Principal, sending the monthly payments from XXXX to XXXX Dollars and a 40 % loss of equity. 
We payed this Mortgage for the last 6 years but we no longer can afford the high payments. 
We have been in the house almost 20 years. 
Arvest Central Mortgage Company is now foreclosing on the Property They refused to approve a new Modification with Principal and Interest Reduction to make the loan affordable by bringing it to the Pre-Crisis Levels. 
Recently, XXXX  XXXX XXXX did just that, with our Rental Property. 
We appreciate your help in this matter. 
Thank you, XXXX and XXXX XXXX
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NTFN INC. (NC)

XX/XX/XXXX : Closed on rental home cash out borrowing : {$120000.00} with a mortgage company named NTFN, Inc.NMLS ID # XXXX XX/XX/XXXX : Mailed approximately 2 payments {$1500.00} using personal check. 

XX/XX/XXXX : Check mailed cleared my bank account. 

XX/XX/XXXX : NTFN letter dated stated serving of mortgage changing to XXXX XXXX, XXXX as of XX/XX/XXXX. 

XX/XX/XXXX : XXXX XXXX statement does not reflect payments of {$1500.00}. 

Mortgage sold and payments made to first owner/servicing company not posted.
Consumer complaint received 2016-04-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Case # XXXX. After reviewing B of A partial response, I refute it. Loan ending XXXX - B of A ca n't forgive this loan, because they do n't have a legal claim, as evidenced by bankruptcy ct. ( please see submitted evidence ). After reviewing my Experience credit report, I discovered B of a erroneously reported the following late payments for loan ending XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I can provide payment and posting dates to refute this. Also, I discovered that they reported late payments for # XXXX for XXXX - XXXX XXXX - XXXX, XXXX, XXXX, XXXX. When B of a extinguished this loan in XX/XX/XXXX, I stopped making payments after talking speaking to a bank rep in XX/XX/XXXX. I spoke with their home team, equity loan, bankruptcy dept., and local branch. None of them ever refuted said extinguishment. Curiously, I did n't make payments on defunct loan # XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never heard a peep from them. Clearly, B of A is guilty of malfeasance in regard to this loan, and have completely destroyed my credit. I own XXXX properties with mortgages all paid continuously and timely through 5 years of bankruptcy or I would n't own them now! I would expect this sort of chicanery from a loan servicer. From my perspective the only thing B of A is committed to is committing fraud on the consumer. Once again I maintain that if my e-mails server and that of my former attorney, XXXX XXXX, were sub-poened from the time frame previously indicated, that I would be completely vindicated in my claim. B of A responded by claiming I did n't cooperate by not sending them a copy of the extinguishment. That 's insane thing to ask of your customer, what happened, they lost it?
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (NV)

A potential lender or creditor reported that they pulled a copy of your credit file because you applied for credit or services with them. A potential employer may also have pulled your report because you applied for a job with them. 
Which is not true! This made my credit score go down by 16 points. 

Clarity Services XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (KY)

I am currently able to get an income driven repayment plan and have applied several times. My application has been denied because it needed more paperwork and after being sent in, they still have not approved me for the income driven repayment. I was bullied into a forbearance, although i could have easily faxed in my paperwork. This has happened several times and when i called them out on it their answer was well thats just how it works.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Date : From XX/XX/XXXX to now Bank : Chase Amounts : {$28000.00} on savings, {$18000.00} on checkings Complaints : 1. I am not receiving the fund 2. There's no XXXX on closure 3. There's no any update on my case since XX/XX/XXXX, when the money was cashed out into checks, as the mail they sent to me showed. We can't tell whether they are actively working on it. 

Whole Story : On XX/XX/XXXX, I was informed that my checking/saving accounts were to be closed by Chase, and they promised to send me the check within 10 business days. But as of today, they still didn't do anything yet, including asking me questions on any suspicious transactions they think, sending me remaining funds, or just providing an XXXX, etc. 

Actions I Tried : 1. Ask customer service 2. Ask banker in physical branches 3. Ask Chase complaint department All the three actions result in the same answer, that is they can not provide any update on this issue, and there's no way I can talk to the person whoever owning my case. 

Potential Cause : There were a few amounts of money transfer into my accounts might looks suspicious. They were from a friend 's friend, to pay me USD from XXXX I paid him. I didn't know why he divided into small amounts from different accounts at that time, but it seemed suspicious.
Consumer complaint received 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (LA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-30
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. (MN)

Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my XXXX XXXX, XXXX and Equifax credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX & XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.