davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (PA)

I was contacted by COMMONWEALTH FINANCIAL SYSTEMS, in late XXXX I received a bill stating that I owed a dept dated XX/XX/14 to the XXXX XXXX  XXXX XXXX for over {$490.00} something. I called the number provided and informed the women I was confused about what was going on. They told me I went to the ER that date and I had an unpaid medical bill from then and that I needed to pay it. I told them I have been to that ER before but it was years earlier and definitely not that date. I told them that it was not my debt and there must be a mistake. I requested proof of the debt an EOB or any paperwork to prove the debt was mine or give any additional information. The women hung up on me and I have not heard from them again and I did not receive any paperwork from them at all. I was notified today that they have added the collections to my XXXX report. I take great pride in my credit and worked hard for the XXXX score I have maintained and I will not allow this company to fraudulently ruin my score. I have disputed the report to XXXX   but their methods of doing business and the frivolous nature of their actions are reprehensible and should not be allowed to continue.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

I have a home mortgage with KeyBank that was originated by its predecessor XXXX XXXX Bank in 1997. I received a letter from KeyBank in mid-XXXX requesting proof of hazard insurance for my property at XXXX XXXX XXXX in XXXX ( town of XXXX ), N.Y. My insurance agent provided documentation of this in an e-mail sent XXXX XXXX to XXXX, as requested in the bank 's letter, and copied to me. On XX/XX/XXXX, I received from the bank a " second and final notice '' ( dated XXXX XXXX ) requesting proof of insurance and warning me that the bank would purchase insurance on my behalf if I failed to provide proof in insurance. On XX/XX/XXXX, I called the customer service number listed on this letter ( XXXX ), where a bank employee informed me that the information we'd sent XXXX XXXX had been received and that the bank would " escalate '' its review of this material and get back to me. I received no response. Instead, on XX/XX/XXXX, I received a third letter informing me that the bank had purchased an insurance policy on my behalf at a cost of {$1800.00}. This is completely unnecessary as my property is already insured and has never lacked coverage since I bought it in 1997. On XX/XX/XXXX, I called the bank 's mortgage customer service number ( XXXX ) and was advised to send my proof of insurance to XXXX XXXX, a manager in the bank 's mortgage department. I sent this material and a cover letter by fax at XXXX and also sent the proof of insurance to her e-mail, XXXX. I have received no response. As the principal due on my mortgage is less than {$8000.00}, and as the mortgage carries no prepayment penalty, I paid the remaining balance due with a check mailed XX/XX/XXXX. On XX/XX/XXXX, I received a letter from the bank saying that to settle my loan in full, I would still need to pay the additional {$1800.00} plus a {$50.00} closing fee. I do not expect to pay for this additional, unnecessary insurance policy that KeyBank arbitrarily chose to purchase on my behalf. The bank has been completely unresponsive to my communications and my multiple attempts to resolve this directly with them.
Consumer complaint received 2019-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I sent money {$1000.00} from my citizens bank XXXX on XX/XX/XXXX to XXXX XXXX  and it was taken out of citizens bank with this info Trace number XXXX Confirmation number : XXXX - then XXXX XXXX closed my account and said never received money but citizens said it left my account and said to contact XXXX about where the money is so this complaint is directed to XXXX to find where my money is I need it to pay bills
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

I went today XXXX to close out the account with a branch manager and he couldnt close it and give me my funds of {$2700.00}. He called risk dept and advised me they will not release the funds so they can keep charging me overdraft fees so they can get more money out of me. So he advised to call and also advised me they will keep charging me overdraft fees till the XXXX to get money off me so it can pay their paychecks. I have also received a letter that my account will be closed because a check did not clear due to insufficient funds. 

I have posted a screenshot of my current account as well.
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (MN)

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I received a bill from PayPal Credit. Synchrony Bank XXXX. XXXX XXXX XXXX, MD XXXX. The bill is for {$39.00} with late payment. 

I have no account with them and never applied for an account. When I tried calling at XXXX and finally got to speak with someone they said that they would transfer my call and that was the end of that.
Consumer complaint received 2019-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Lakeview Loan Servicing company prepared an escrow analysis in XX/XX/XXXX. Their analysis was faulty, and resulted in them issuing me a refund check for overpayment while simultaneously raising my required monthly payment due to an " escrow shortage ''. I contacted them by phone, and email with the information that they did not use the correct property tax information ( my property taxes for XXXX are significantly lower than for XXXX ). I also asked for an explanation why I was not offered the option of updating the escrow balance rather than being forced to make a higher monthly payment. This contact occurred on XX/XX/XXXX, and I was told I would hear back within 15 days at the longest ( attached document from XXXX XXXX was included to verify tax amounts ). The only contact I have received from Lakeview Loan Servicing was a solicitation to refinance my loan from an " affiliated party '' which I had not asked for, or authorized. I followed up with more email requests on XXXX XXXX, and again on XX/XX/XXXX, but never received any reply. Today, I received email notification that escrow disbursed funds for my property taxes in the amount I stated was due when I alerted them to their faulty escrow analysis, but still have no acknowledgment that they are collecting too much for my escrow, nor any other reply to my inquiry. I have made it clear I wish for my payment to go back to the prior, lower amount, but can not get any answer. In the past, when escrow analysis revealed a possible shortage, I was offered the option to correct this with a single payment rather than requiring a higher recurring monthly payment which presents a hardship. I simply want Lakeview to acknowledge the math, and their mistake so that I can get back to the monthly payment required per the Note on my loan. At this point, they again have excess funds in escrow, and yet refuse to respond, or lower my monthly payment accordingly which is unacceptable.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

AMEXPRESS took out money from my XXXX debit card twice for XXXX on the same day the XX/XX/XXXX or the XX/XX/XXXX and I called them and asked them why they went into my account and return my money that they claim XXXX supposedly took out, I immediately called XXXX and XXXX immediately gave me my money back XXXX XXXX and XXXX are two separate companies XXXX   have nothing to do with XXXX return of my money back to my account. My account was closed when XXXX returned my refund of XXXX DOLLARS. I asked AMEXPRESS would they mail me my money they sid they would and never did.

I asked them to put my money on my Blue Bird account and they said they could not. I no longer have neither a Serve or BlueBird account I closed them both. I just can not believe AMEXPRESS stole and took my XXXX dollars and lying saying they gave me my money and trying to pretend the XXXX was returned by them when XXXX put that XXXX cents in my account and lied and said, XXXX took out money for their services. XXXX gave me my entire XXXX dollars  back
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (NV)

XXXX XXXX XXXX XXXX XXXX is asking for a {$390.00} payment in a debt owed to the school. In the report it shows I was awarded a Pell Grant as well as the Millennium scholarship. Both were more then enough to pay for books and school the whole first year. With classes enrolled to take in 2017 I dropped out of school before the start of the year. So there's no reason for there to be a charge for no appearance in school activities, or to come seeking payment from me when I'm 100 % covered by the government.
Consumer complaint received 2019-04-04
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. (FL)

I have reason to believe that my credit report has been affected by identity thieves. I have always maintained agood credit score and have never experience any problems obtaining credit until recently when I checked my credit report. There are few items reporting that belong to someone else.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Sapphire Preferred Credit Card under the impression that the promotional benefits were XXXX points for {$4000.00} spend in 3 months and 0 % APR for 12 Months. I got my points but didn't realize I was being charged interest until my 4th month in. I brought this up with Chase 's credit card department and they said they have never offered this promotion. I found the ad I saw before applying and brought this up. They don't maintain a record of their advertisements, according to the agents I spoke to, so it came down to their word. I feel taken advantage of in this case.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (OH)

I held a Summer Lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. I resided at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received a statement dated XX/XX/XXXX regarding {$210.00} for move-out damage fees relating to painting a common area and trash removal for a unit that housed 4 other residents. 

I was not in the unit long enough nor used it fully to cause any damages. I had pictures to prove the unit was left in excellent condition. I spoke with XXXX XXXX at XXXX XXXX Leasing Office. ( The Leasing Office was very disorganized- I received several eviction notices and late payment notices  by mistake during my time at XXXX XXXX, despite my on-time payments. ) I was told that the file could no longer be accessed by the Leasing Office and I was referred to XXXX Account Receivables Department. I called the Account Receivables Department several times but no one answered or returned my calls. I spoke with a woman and man on different occasions, both said they would check the file and get back to me. He never did and I never received any further communications from XXXX XXXX or XXXX Account Receivables since XX/XX/XXXX. 

Here it is over 8 months later and I received a call from a collections agency regarding the statement. On XX/XX/XXXX I received a call from a debt collection agency and I again called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX who emailed XXXX XXXX on XX/XX/XXXX. I also emailed " XXXX '' on XX/XX/XXXX regarding the matter. XXXX XXXX responded on XX/XX/XXXX and he alleges that XXXX tried to call me and left voicemail and sent an email and then they sent the account to collections on XX/XX/XXXX. However, the collection agency said the account was sent to them on XX/XX/XXXX. I have phone records to show my phone calls to XXXX and XXXX XXXX. On XX/XX/XXXX I responded to XXXX and told him I do not have any record of any phone calls made from XXXX to me nor any emails. Additionally I asked XXXX that since he was now answering me would he like to address my dispute, and he said the account is no longer in his control and I must work with the debt collections agency.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (PA)

The name of this agency who is trying to scam me is called : commonwealth financial systems. 
I got a letter in the mail dated XX/XX/XXXX about a debt from XXXX. There was an original XXXX account number and an outstanding debt amount of over XXXX dollars. I never had XXXX in my life. When i called the number on the letter the shady rep was very combattive and insisted that i started an account back in the XXXX. Thats when things got weird because i am only XXXX years old, so in XXXX i wouldve been XXXX. The whole thing made no sense. The rep then hung up on me and i called back and spoke to her supervisor who advised meni need to send my birth certificate to prove that i was underage at the time the account was opened. This company reaks of SCAM. I then called XXXX to check the validity of the collections and they did not have any account with that number.
Consumer complaint received 2019-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On Saturday XX/XX/XXXX, I paid the entire payoff balance of my loan which was {$6700.00}, {$2000.00} more than the balance remaining on the loan. I saw the payoff amount and paid that instead of the balance remaining. Notwithstanding, my experience with 5th 3rd has been the worst lending experience of my life, full of crooked fees, " computer '' and crediting errors and staff that mocks and disrespects their customers. 

On XX/XX/2019 I logged in to the account and it said I had a reaming balance of {$610.00} WHICH IS ABSOLUTELY ABSURD as I have already paid the PAYOFF BALANCE. This is just another example of a 5th 3rd SCAM.
Consumer complaint received 2019-04-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have a temoultuouls problem with Portfolio Recovery Associates. As an update to my credit report they have closed the account XXXX ( {$440.00} ) and XXXX ( {$450.00} ) with XXXX ; XXXX ( {$440.00} ) and XXXX ( {$450.00} ), with XXXX. I received a letter from them stating the account is still open but the bureaus are reporting these accounts closed. As a courtesy to me, I would like these accounts closed and deleted. I would not like to receive anymore letters from PRA.
Consumer complaint received 2019-04-05
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. (VA)

All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history. 

Equifax has not investigated Mister XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid. 

Equifax has not removed the bankruptcy from mr. XXXX credit report after investigation show that the case is closed and dismiss. 

All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports. 

On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law. 

On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX. 
All three credit bureaus has refused to conduct any investigation from XX/XX/XXXX to XX/XX/XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted.

All three credit bureaus has refused to conduct investigation from XX/XX/XXXX to XX/XX/XXXX under the fcra I am totally XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XX/XX/XXXX
Consumer complaint received 2019-04-05
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. (KY)

I have disputed these accounts a few months ago, however the credit reporting agency has not reacted properly due to the fact that these are not mines and the reporting agencies never provided me with any type of certified documentation to support their claims of Verification. As stated within the laws of the FCRA if you can not provide the consumer with the Method Of Verification used in the investigation then these following accounts shall be blocked immediately and permanently. My identity has been compromised. Please delete these accounts 1 ) XXXX XXXX XXXX {$200.00} 2 ) XXXX XXXX XXXX ) Dept Of ED/ XXXX {$6100.00}, {$7700.00}, {$5300.00}, {$3500.00}, {$2400.00}, {$1100.00}, {$630.00}, {$240.00}, {$130.00}, {$1300.00}, {$1300.00}, {$2300.00}, {$6100.00}, {$4800.00}, {$3500.00}, {$3200.00}, {$3100.00}, I'm demanding that these accounts be removed.
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At the beginning of 2018, my wife lost her job which caused extreme financial hardship on my family. Our overall household income was cut by 50 %. I contacted Bank of America in late XXXX/XXXX of  2018 to ask for an extension. I was told at that time they did not have an " extension offer '' that month and to call back next month. I called back 30 days later and was told the same thing, no special this month. The representative at that time told me to call back again next month or when I fall behind on my payment, maybe then we can help you. 
Couple of months went by and we continue to struggle. Finally, I got a hold of a manager that finally  approved the 2 months extension and also informed me that they could have helped earlier. So the extension was granted for XXXX and XXXX of 2018, yet, Bank of America reported delinquent payments for XXXX and XXXX and until now, still refuses to remove the negative remarks and all the fees. They continue to deny my numerous requests and claim that it was after the fact. 
We made the same request to other banks regarding our situation, Bank of America is the only one that did this, everyone else was willing to help. It feel like the representative/department enjoys making their clients lives difficult by damaging their credit.
Consumer complaint received 2019-04-05
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPEDXXXX   and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-05
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. (MO)

Greetings : This is a " recurring problem '' complaint pertaining to Consumer Reporting Agency ( CRA ) " Experian ''. 
Previously, I forwarded my concerns regarding XXXX XXXX 's continued, repeated and ongoing Section 611 ( a ) ( 5 ) ( B ) reporting violations committed by XXXX XXXX replacing its unsupported, erroneous data entries to my consumer credit report with new, additional erroneous data entries. See Experian 's Report # XXXX for XX/XX/XXXX. 
In summary fashion, the underlying ongoing XXXX XXXX 's " false certification practice '' was well documented and those relevant materials were attached to that investigation request. 
Subsequently, Experian notified me that they completed their investigation. 
In response to Experian 's investigation completion " dispute results '' notice, on XX/XX/XXXX, I filed and forwarded my Section 611 ( a ) ( 5 ) ( A ) request. I did not receive any responsive materials from Experian. 
More than 30 days passed without response from Experian, so I filed and forwarded a second Section 611 request to Experian with the same prejudicial and unfair results as highlighted above. 
This complaint follows for the " recurring problems '' regarding Experian 's non-compliance with FCRA. Thank you.