davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

We have been trying to fix our Property Mortgage Insurance payment since XXXX, XXXX with Shellpoint. Shellpoint took over the servicing our loan in XXXX, XXXX and when they did, they increased our Property Mortgage Insurance ( PMI ) monthly payment from our escrow account WITHOUT notice or a new escrow statement. When we finally received our escrow statement, that also had the INCREASED amount. We contacted them several times asking for an explanation of this increase when during all of the 10 years we have been paying down our mortgage, it has ALWAYS decreased. I even went as far as to contact XXXX XXXX to find out what our monthly payment should be. Unfortunately, they could not provide that information since we do not hold the contract with them. The XXXX XXXX rep was able to tell me that our PMI should DECREASE since our amortization schedule decreases unless there is something like a refinance that could change the amortization schedule. We have not refinanced on our home since XXXX nor have we done anything to our mortgage terms that would affect our amortization schedule to cause this change. We filed a complaint with CFPB on XX/XX/XXXX regarding this matter and requesting that we receive a new escrow analysis. The resolution from our prior complaint by Shellpoint was that they dropped the increased amount back down to what we had been paying from XXXX, XXXX - XXXX, XXXX and provided us with a new escrow analysis. HOWEVER, they still have not provided an explanation as to why the payment is NOT reduced for XXXX, XXXX - XXXX, XXXX. We will be paying the EXACT same amount for 2 years now. WHY? We sent an email on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX ( see file " 1_Shellpoint Escalations Email Attempts ... '' ). The emails also included very detailed attachments ( see files " A_Shellpoint Still Questionable .... '', " B_Shellpoint_Loan_History .... '', " C_Bauer_PMI_Payment .... '', and " D_Shellpoint_Loan_History ... '' ). Shellpoint sent an auto reply acknowledging receipt of all 3 emails but we had not heard anything until we received 2 acknowledgment letters on XX/XX/XXXX and a request for an extension on XX/XX/XXXX ( see file " 2_Shellpoint Automatic reply .... '', " 3_Shellpoint_Mailed_Response_Ackowledgement Letters '' and " 4_USPS informed Delivery Daily Digest .... '' ). Our PMI should decrease like it has since our refinance in XXXX. Our amortization schedule has decreased. Even according to Shellpoints own payment history they have sent to us several times shows that our PMI monthly payment has DECREASED each and every year except for this year from XXXX, XXXX - XXXX, XXXX where we are paying the EXACT same amount that we had paid from XXXX, XXXX - XXXX, XXXX. Shellpoint has acknowledged receipt of our inquiries but they continue to delay with any sort of answer. This is NOT a complicated matter and their is NO reason that the investigation should be taking almost 3 months to figure out.
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

During the business trip tn XXXX, on XX/XX/2020 around XXXX my rental car was burglarized. My cell phone, computer and wallet were stolen. I filed police report locally. Also I called my Bank of America to report stolen cards, but it was too late. Someone used them. Thefts used, stored log in information from my computer or cellphone to gain access to my bank profile. Money were moved from one account to another, lately cards were used in Jewelry shop. 
I filed few claims for unauthorized cards usage : 1 ) claim # XXXX - {$900.00} ( account:XXXX ) 2 ) claim # XXXX {$7900.00} ( account:XXXX ) 3 )  claim # XXXX {$7900.00} ( account:XXXX ) Police report was submitted, investigation took more than a month leaving me without all my savings. At the end all claims were denied without explanations. I stopped paying my mortgage because I don't have any money
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This complaint is in reference to my credit card statement. The Credit Card Accountability Responsibility and Disclosure Act of 2009, section 201, requires credit card issuers to state in a " Minimum Payment Warning '' how long it will take you to pay your debt and the amount of interest that will incur if making the minimum payment. In my statement, I was warned that it would take 12 years @ {$15.00} per month. This is not correct and the balance of {$1500.00} would actually never be repaid with that minimum payment. The interest alone would accrue at a little more than {$0.00} per day. This is not a problem for me as I've been paying the entire balance each month for some time. However, for those that can't pay their balances in full, this information was meant to inform them of the consequences of making minimum payments. The correct answer in their warning shouldn't have been " 12 years '' but " Never ''. To be fair, their calculation of the amount to pay the balance in 3 years was accurate. In times as we are now, it is not a bad thing to be able to make a small minimum payment if necessary but people need to have an accurate understanding of the consequences as well. This is not a grievous violation but failure to give accurate information violates the spirit of the law for certain. 

I did contact Capital One customer service at one point in late in XXXX or early XXXX to discuss my findings and I was passed from a customer service agent to a supervisor. The supervisor didn't seem to grasp the problem or even see it as a problem. She didn't help me. 

I then filed a complaint with the Attorney Generals Office of Washington State. They determined this could be handled through their informal complaint resolution services offered by their Consumer Resource Center. They contacted Capital One and gave Capital One 21 days to respond to the complaint. Capital One has not responded to them and Washington State will not pursue it further.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

A criminal steal my mailbox on XX/XX/XXXX and my new Citibank debit card and its related opening account information are stolen. I initially transferred lots of money in this new account to try to get the Citibank checking account promotion deal. Then the criminal used the account info and the card with PIN letter to activate the debit card, used the debit card PIN to purchase items totally worth {$2800.00}, and withdrawal {$1000.00} from ATM on XX/XX/XXXX. I received a fraud verification msg from Citibank at around noon on XX/XX/XXXX, then I found my debit card and personal info were stolen, I called Citibank to verify the money that the criminal spent on that day, then I submitted all of these invalid transactions into disputes. And I also reported to Citibank to re-sent me another new debit card along with a new PIN, so that the criminal could not keep using my debit card to purchase/withdrawal. However, I found another transaction on the night of XX/XX/XXXX ( at around XXXX ), the criminal has sent the stolen signature card back to Citibank, and applied and gotten a check book of my Citibank account by using my personal info, and he/she even wrote a check from my account to make a payment {$200.00} to somebody. The " XXXX '' name on the check is " XXXX XXXX '' ( or " XXXX '', I am not sure the written letter from the check, either " a '' or " u '' ). I think whether this XXXX is the criminal or at least the criminal knows XXXX and used my check to pay her for something.The total amount that the criminal has steal is more than {$4000.00}, I have requested for disputes about all these illegal transactions sooner after I discovered them. But after several weeks, Citibank closed most of the disputes and denied them. Citibank sent me mails to say they have attempted to contact me but not successfully, and asked me to call back to a Citibank representative to pursue the claims. However, firstly, I have never received any contact from Citibank related to the disputes during the entire period after I submitted the disputes, secondly the person and phone number Citibank provided to me has never worked, I made a call to that representative for more than 10 times and left voice message for each call in a week, but she has never answered the call and has never called back to me. I called Citibank disputes department again and again, but they couldn't solve this problem by either giving me another better way to contact about my disputes, or helped me re-submitted the disputes again.
Consumer complaint received 2020-05-12
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. (MS)

XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to XXXX XXXX XXXX dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to XXXX XXXX XXXX XXXX on XXXX, XXXX for {$720.00} and cleared XXXX XXXX on XXXX XXXX. XXXX denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with XXXX and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say XXXX XXXX has tremendously affected my credit score due to their inaccurate bookkeeping. XXXX XXXX has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with XXXX. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMA Credit Association (TX)

RETAIL MANAGEMENT ASSOC. a debt collection reported three medical bills on my credit. This agency is not licensed nor bonded to collect in my state. They should not be reporting anything on my credit. 
I have medical insurance that is paid and I met all of my deductibles. My insurance stated that they paid the claim. 
I sent for verification of this debt and they won't send me anything RETAIL MANAGEMENT ASSOC. took one emergency room visit and broke the charges down to make it look like several different visits. They also changed the dates This agency is illegal and need to be stopped
Consumer complaint received 2020-09-14
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: Carter-Young, Inc. (SC)

On XX/XX/2016 Carter-Young Inc added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Carter-Young Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (CT)

My account with Barclay has been paid off less the amount of {$15.00}, a payment has posted as of today, XX/XX/XXXX, bring the account to this balance. This amount is in dispute, a NSF fee which will not be paid. As stated in numerous past CFPB complaints, I was unaware Barclay resubmits payments for processing, if returned the first attempt. on XX/XX/XXXX a payment in the amount of {$50.00} was returned after second attempt ... ... I made a replacement payment which did in fact clear, contrary to what a XXXX XXXX claims. Had I known Barclay resubmits payments, I would not have made a replacement payment. XXXX left her number to reach out in prior CFPB replies, a total of three messages left, not one returned. As stated above, this amount, {$15.00}, will not be paid ... Should account sent to collections agency, the issue will be explained and more than likely, account referred back to Barclay. I am sure any reasonable person, unlike XXXX, will see fee is not valid and will cease and desist.
Consumer complaint received 2020-05-12
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. (FL)

SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-24
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. (NC)

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 2020-05-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One advertised that I can open a 360 Performance Account, which is a high yield savings account earning 1.5 % and will include a {$500.00} bonus. I have over {$100000.00} to invest. Their website encouraged the opening of the account on XX/XX/2020 but after I gave them all of my personal information, it first said it recognized me but then said it didn't. I called Capital One and was told that because I had an ING account many years ago, their computer has a bug that will not allow me to open the account. 

I emailed XXXX XXXX, CEO of Capital Bank to complain. I received a call yesterday from Executive Customer Care that yes, there is a computer problem and there is nothing they can do about it. I told them that you can't advertise something and then refuse to let it happen. I said the computer bug is not my problem so will I be reimbursed for the interest I lost when the bug is fixed. I was told no. 

Is this even legal? I asked them to override the computer problem and was told thet can't. Can you help me with this? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Consumer complaint received 2020-05-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX  XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX {$720.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX XXXX {$19000.00}
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MN)

This company is sending me email about some promo offers. I do not want these offers. I feel this company is trying to trick me into spending money and using their site. I've unsubscribed from these emails MULTIPLE times. I do not want these. I am still getting them. I have attempted to email the company to have them remove me from these harassing emails, and those emails have been ignored. 
All I want is for these harassing scam emails to stop from this company like I have requested.
Consumer complaint received 2020-05-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've had a credit card relationship with Capital one for about 5 years now and never had an issue. I've consistently paid on time and never had any issues. I even work at the largest credit union in XXXX, TX and have recommended Capital One to many members wanting a reliable CC however, things have drastically changed within the past few months. When out with my family on XX/XX/20 I was told that my Capital One card was declined. I have a {$10000.00} limit on the card and religiously pay off the balance each week so I know it wasn't anything to do with non sufficient funds. I quickly checked my app and noticed my card was restricted. After that embarrassing moment I called Cap One and was told that I was sent a letter requesting information ( DL, SSN,  Proof of Residence ) and since I hadn't responded within a certain time frame, my card was restricted. I had no idea, as I always opt in to the paperless option with all merchants and financial institutions. Most mail I get is pretty much pre-screened offers so there was a good chance it went in the trash. Either way, I log into my Cap One account at least twice a week and assumed there would have been a notification on my acct to provided that info. Either way, I faxed the info the following Tuesday XX/XX/20. Fast forward to a couple of weeks later, then a month, and now XX/XX/20 nothing has been done and my credit card is STILL RESTRICTED! The " manager '' I spoke with today stated they have a small team who reviews this information and hasn't came across mine yet. You would think that such a large company would add more people to that team to knock these out faster. What upset me even more was that I had to cancel an XXXX  rental and was credited back to my account over {$200.00} which some covered a small balance I had left. Now {$190.00} OF MY OWN MONEY is on hold and Capital One is unable to return it to me. They can conveniently still accept payments and won't hesitate to report a late payment if I don't. This is very unacceptable. Luckily I still have a job and have another card in case of emergency, but I feel sorry for those who are dealing with this and had been relying on their CC as a source of income especially during this pandemic.
Consumer complaint received 2020-05-12
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.