davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (VA)

I have received numerous phone calls from Client Services Incorporated over the past several months. They call looking for XXXX XXXX attempting to collect a debt. I have explained to them that I am not XXXX XXXX and ask for my number to removed and for them to not call me again, but they still do. The most recent phone call was on XX/XX/XXXX at XXXX p.m. I received another phone call on XX/XX/XXXX, and prior to that, on XX/XX/XXXX. I have told them several times if they do not stop calling I would file a complaint, and they still call. My phone number is also registered on the " Do Not Call '' registry.
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.
Consumer complaint received 2019-02-18
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/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

Opened XXXX Credit Card in XX/XX/XXXX. Rec 'd statement {$420.00} XX/XX/XXXX with due date XX/XX/XXXX. Paid on-line via XXXX XXXX, in which a XXXX send a check Tues XX/XX/XXXX which was delivered on my requested date of Fri XX/XX/XXXX in the amount of {$420.00} ; however, XXXX choose not to cash the check until XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX after receiving a statement for {$450.00} ( {$25.00} late fee and {$9.00} Interest charge plus the {$420.00} ), unable to access a customer rep I closed the acct. On XX/XX/XXXX I called Customer Service XXXX and explained to 6 different customer reps ( in which 3 times the reps hung up on me ). That my payment was made timely and I should not be liable if they failed to cash the check and post to my account. I was informed that since the acct was closed I had to made the payment, when questioning how they could credit my account if it was closed they couldn't answer only that the payment had to be made regardless. I have contacted XXXX and was told a check was sent XX/XX/XXXX and I printed payment details reflecting payment delivered Friday XX/XX/XXXX. I pay all my bills on-line ( credit cards, util, etc and never had any late fees. I plan to the {$34.00} late fees however, I wanted to be reimbursed.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2019 I was alerted by Wells Fargo of fraud detection on my credit card. Because my credit card information has been compromised, I called their customer service line and was told that they would be cancelling my current card and sent a new one. 

They then gave me two options, receive the card in 5-7 business days free of charge or have it " rush '' shipped into 2 business days for a {$16.00} fee. I clearly stated that I wanted the free option. 

Checking my credit card charges later, I realized that they had in fact still charged me for rush shipping. I, again, called their customer service number of XX/XX/2019 and was told they would refund the {$16.00}. 

That card, however, never arrived. Thus, in the same phone call on XX/XX/2019, they again agreed to send me a new card and presented me with the free and rush shipping options. As clearly as is possible, I stated that I wanted the free shipping option. 

The new card recently arrived, and I have been using it without issue. I checked my credit card charges on XX/XX/2019 and saw that I had been refunded the original {$16.00} as promised. However, I WAS AGAIN INAPPROPRIATELY CHARGED THE {$16.00} FOR THE SECOND CARD. 

I was happy to resolve the issue with the company the first time, but since this has now happened twice, I believe there is a pattern to Wells Fargo 's behavior. If they are fraudulently charging me, they may be doing the same to other customers hoping that they do not realize the {$16.00} charge or hoping to falsely claim that the customer requested the rush shipping. 

At this point, I am hoping for more than just a second refund. I believe the CFPB should pursue investigation into Wells Fargo 's practices of charging customers for rush shipping that they did not request. 

I can provided additional information as needed and would be happy to do so. I appreciate your work at the CFPB.
Consumer complaint received 2019-02-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (WY)

i have had my mortgage for 7 years the last few months have be tough and i have had to use my grace period to make the payments. 21st mortgage corp will start calling and email both myself and the other person on the mortgage within the first day or so of entering the grace period. although we have spoken and responded to emails many many times that continue to call and email both of us an average of 4 times a day monday through friday. i have never missed a payment in 7 years and yet that call and email threatening to foreclose on us simply because we are in the grace period of our loan. all threats of foreclosure are made verbally. they will not send documentation. we have asked on several occasions that 21st mortgage corp stop harassing us as we always pay our mortgage and since then they now have 3 different people calling us on a daily basis. in addition to their constant phone calls and emails my father passed away last month and i had to travel out of state to handle his affairs. 21st mortgage corp showed no empathy toward my loss and simply told me they couldnt and wouldnt help work with me on the payment.
Consumer complaint received 2019-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC (OR)

I have been contacted by this company, they never say the name of it, just that I need to call a " XXXX XXXX '' back ( the number they provided is XXXX ) in regards to " a complaint that has been filed '' against me. They have been calling my family members, who have all asked them to stop calling yet they continue to call. In one instance they called my sister and, after being asked not to contact her again, they responded with profanity along the lines of 'no wonder this person is in this situation with a family like you '. They have also in the past used scare tactics, saying they will start garnishing my wages if I didn't offer to pay in full by the end of the week ( this caused me to have a minor XXXX XXXX that I went to XXXX XXXX   for ) ; I have since stopped answering any number I don't recognize for fear of being threatened again. They have never once stated the origin of the debt they are attempting to collect. 

Upon XXXX the number they provided, " XXXX, XXXX XXXX  XXXX '' comes up. I have been unable to confirm if this is the company or not.
Consumer complaint received 2019-02-18
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 (NC)

In XXXX I opened an account with Synchrony Bank to finance flooring for my home through XXXX XXXX. I signed up for a 12 month interest free promotion. I paid the account off in XX/XX/XXXX, prior to the interest being due and on XX/XX/XXXX I received an email stating that I have a XXXX balance. I never used the card again and I was even issued a refund in the amount of {$47.00} for overpayment, which is expected since I paid more than the balance on the statement to avoid any interest. 
After a couple of months I started to get phone calls from Synchrony Bank stating that I have a balance outstanding in the amount of {$47.00}. I spoke to several representatives over the course of almost a year and I had lengthy conversations along with lengthy wait times while the representatives tried to figure out what the problem was. I received a number of excuses, none of which made any sense and when I asked for my issue to be escalated I never received a call back. Now this {$47.00} erroneous charge has resulted in an over {$200.00} charge and erroneous late payments on my credit report. I disputed the late charges with the credit bureau and Synchrony still refused to correct their error and update my credit history. 
As I have explained to the representatives if I owed this amount I would have no problem paying it, just as I have paid them over {$4000.00} for my flooring over the past year. But no one could even tell me where the charge came from or why they would issue me a refund check in the same amount that they are telling me that I owe. Was the refund check a scam to get me to initiate new credit with them? Or was this Synchrony 's way of making me pay additional since I got an interest free credit card, per their promotion? I need some answers and most importantly I need my credit report corrected since I pay Synchrony and all of my other creditors on time.

To add more insult to injury, Synchrony has sent this account to a collection agency which will further harm my credit standing for their error. 
I have documentation that I would like to attach to this complaint if possible. 
Thank you for your time.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (OH)

So I went on credit karma and got a alert saying a place ran my credit Im like what. So I looked it said XXXX XXXX XXXX XXXX and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said XXXX national credit cards/airlines and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MO)

We refinanced our home on XX/XX/XXXX, Home Point Financial bought our loan. We paid extra money towards the principal in order to remove PMI from our mortgage payment and never had a late payment. Now that our LTV is below 80 % I made several calls and sent an email to remove the PMI. The last call was to customer service on XX/XX/XXXX I explained why I was calling and what should be done to the PMI on my loan, she put me on hold to do some research and came back to tell me that it should be removed because it's less than 78 % LTV but could not tell me why it hasn't been removed. She told me she would call me back the next day with an answer but no phone call. 
I come across CFPB hoping you can help. Thank you!
Consumer complaint received 2019-02-18
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: Lendmark Financial Services (AL)

The account was disputed in XX/XX/XXXX asking for validation, none was supplied. On my credit report it states that the balance was XXXX from XX/XX/2018. On disputing again, on my credit report it states that the balance is XXXX, XXXX for the same time period. They are just reporting inaccurate information with no validation.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

Called CitiCards on XX/XX//18 to request lower interest rate and consolidate all balances to the lower rate. Was approved and confirmed rate would be 13.49 % and ALL balances combined at that rate. 

In reviewing my XXXX statement, rate and balances were NOT reduced or combined as promised. 

Confirmed on XX/XX//18 by online Chat ( transcript available ) that account was " cured '' with rate and ALL balances combined at 13.49 %. 

After many documented Chat sessions and recorded voice calls, rate and consolidation was promised but never implemented. 

Also agreed that the difference in the interest rate, ~5 % and {$600.00}, would be credited back.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (GA)

I set up a transfer to pull from by XXXX checking account to my People 's United Bank checking account. This was a hassle in and of itself, however, it worked - the transfer went through. 

A month later, another transaction went through for the same amount. I thought it must be a mistake, I don't recall setting this up to be recurring. So I logged into my online account and checked my " Transfers '' tab. It read " No Transfer Accounts Added. '' I checked my Bill Pay ; no recurring bill pay 's were set up. I checked every possible avenue and no scheduled payments or transfers were shown anywhere on my account. 

Despite this, today another transaction posted as pending on my XXXX account. Since I was not expecting this, it over-drafted my account. My communication with XXXX indicated it was initiated by People 's. So I called People 's and they would not stop the transaction when I requested to do so, even though it was still pending. People 's indicated that this recurring transfer was set up " internally '' and that is why it didn't show up anywhere on my account. What does that even mean? 

Anyways, since I was forced to cancel the transaction through XXXX ( People 's would not oblige ) I was charged a {$36.00} stoppage fee. This was all a nightmare and took more than an hour of my workday to resolve. It does not seem right that a recurring transfer can be ongoing with ZERO indication it exists anywhere in my online account.
Consumer complaint received 2019-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for XXXX  and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I received two letters from USCB America attempting to collect a medical debt around XX/XX/2020. One bill was about {$800.00} and the second was a little over {$200.00}. Due to the pandemic, losing my job, and general life events I wasn't able to make contact with them until XX/XX/2020. I called XXXX ( who apparently reported these charges ) and they told me they didn't have access to review anything because it was now " in collections hands. I sent the company a debt validation letter for each of the bills they sent me in order to verify these charges before I made arrangements to pay it off. I never received a response from this company and it has been 45+ days since my note was delivered. I sent both letters via certified mail to document the contact I made. 

These bills going to collections have really impacted my score and I'm not really sure how to move forward. My goal was to verify the legitimacy of this letter and see what I need to do because my primary concern is maintaining a good credit score.
Consumer complaint received 2020-03-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OR)

Mr Cooper aka Nationstar mortgage is claiming they didnt get a payment for XX/XX/2019 which Im trying to refinance with a different company and Mr Cooper added a lender servicing fee of a mortgage payment they claim wasnt paid which I have proof they did by my bank statement and trying to double bill me.
Consumer complaint received 2020-03-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

At a time where most Americans are going through a hard time out of work because of Corona virus ALLY financial through their customer service number just informed me of the following issue ... 
They will not waive any late fees they will charge me XXXX dollars every single day i am late going through this situation needing an extension being out of work she told me on the phone that if I asked for the 120 day extension it will push me back six months on my actual loan meaning it would double my payments. 
Who is going to protection millions of Americans from this I will be contacting my state representatives as well local states attorney and congressman in my disctrict to let them know what this finance companies are doing to hard working Americans like me going through this hard time
Consumer complaint received 2019-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX  ( Transunion : XXXX ), XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX   : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX  : XXXX ).
Consumer complaint received 2019-02-18
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. (GA)

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( Experian : XXXX ).
Consumer complaint received 2019-02-18
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. (VA)

Several weeks or more than 30 days of investigation into a problem and has not been solved. the worst is that More than 30 days of continuous retaliation by Equifax which became more visible now in at least Blacklisting my information and/or participating in blacklisting against my person now there is clear and convincing evidence of that which is a fact now. Equifax did not comply to the FCRA. Equifax blacklisted my infirmation to deny my right to get my credit report free under FCRA in my situation. Equifaxs retaliation against me violated my consumer rights in violation of the Dodd Franklin CFPA of 2010 ... .etc all rights reserved by my person and all stated herein is to current state of belief knowledge and understanding and all is subject to anything by my person only and at anytime and without prior notice and without waiving my rights under any circumstances.
Consumer complaint received 2019-02-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I am currently being discriminated against likely cause I do no not pass as XXXX or someone who does not have anyone in their life who would send a personal check in the mail cause they care about them ... I am at the XXXX  XXXX location on XXXX XXXX XXXX in XXXX XXXX where my mom was hung up on twice and told everything was good but I am still being made to wait for whatever reason. I came in at XXXX and saw several other high maintenance customers helped and on their way while I wait patiently enduring the power the customer service representative feels they are due to exert. Pathetic and just sick of the constant treatment because I am not like everyone else.