davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (SC)

On XX/XX/19, I filed a complaint with Capital Accounts on the CFPB website. The Companys response was incomplete and, in one instance contains, I believe, erroneous data. I was advised by the Consumer Financial Protection Bureau that the proper way to handle the situation was to file a new complaint to address the three outstanding issues. 
The first issue deals with the XXXX XXXX XXXX that Capital Accounts sent to me. It shows total charges of {$3100.00} with my insurance company ( XXXX XXXX ) paying only {$330.00}. This can not possibly be correct. I have excellent dental insurance through the XXXX XXXX XXXX XXXX XXXX XXXX. Depending on the service provided, the cost to me would be 75 %, 50 %, or free. 
The XXXX XXXX XXXX shows the payments from XXXX XXXX that were made. XXXX would have received an Explanation of Benefits ( EOB ) along with each payment. The EOB would show each line claimed and the amount paid. I believe the EOB will show XXXX failed to submit all the claims. Please have XXXX provide a copy of the EOBs so we can resolve this issue. 
In support of my comments re the levels of benefits that would be paid under my dental policy, Ive attached an EOB and some Pre-treatment estimates. 
Second, in their last response, Capital Accounts stated that they had accrued interest in the amount of {$530.00} but did not provide any details e.g. dates and amounts of the interest charges. Please do so. I would also like a copy of the agreement that I signed that allows me to be charged interest. In the absence of such an agreement, I have been advised that I can not be charged any interest. 
Third, in their last response, Capital Accounts said I have made {$500.00} in payments. Originally I had requested that Capital sent me a detailed schedule showing the dates and amounts of all payments so I could reconcile the payments to my records. They have not done so..
Consumer complaint received 2019-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Filing a new complaint because Chase closed my previous complaint without a response ( I made 6 phone calls to their Executive Offices which were not returned : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX of 2019 ). 
In XX/XX/XXXX2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF  statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB. 
This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.
Consumer complaint received 2019-03-12
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 me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have purchased a XXXX tour for me and my spouse at XXXX XXXX. The tour didn't include 8 nights and airfare that is complaint with the 1990 Americans with disability act thus I attempted to dispute the purchase at {$590.00} reflecting the value of the package that was paid for but not received. 
I have called the Capital One to dispute the purchase from overseas location at the very high call rate as their toll free XXXX phone number is not operational from the call origin and the company refused to transfer me to their dispute dept citing instead the response by one rep and the supervisor XXXX that they are " unable to reach the dispute dept representatives. '' It is my impression that the Capital One is deliberately not willing to dispute the purchase contrary to the T & Cs. 
One question I posed to the CSR at the Capital One that I didn't receive the answer for : what is the appropriate amount of time that the customer calling from overseas is required to wait at $ XXXX/min? 
Please respond in writing to that question.
Consumer complaint received 2019-03-12
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, XXXX YOU ARE ON NOTICE OF UP COMING DISPUTE with XXXX You equifax and XXXX are claiming validation when no one can get any documentation { wet ink signatures and the information enclosed } also address the HIPPA violation that XXXX sent to the CFPB
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

I started seeing a new XXXX office XX/XX/XXXX-XX/XX/XXXX. I stopped when they XXXX my XXXX. My bill was paid in full. I went on to get medical treatment and never went back to that XXXX. On XX/XX/2018 they opened a credit report against me that I owe them {$260.00} through the Collection Agency Capital Accounts. I disputed the charge. The collection increases {$1.00} every month since I disbuted it. I wrote the XXXX Insurance Company and XXXX XXXX actually stole money from me and owes me {$1600.00} which they have not paid. I also filed with the XXXX XXXX and its still under investigation. This man, XXXX XXXX is a crook and I dont owe him a single cent. His XXXX  staff is negligent and caused severe damage to my XXXX. I want this removed off my credit reports please.
Consumer complaint received 2019-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control (CA)

I had an XXXX done XX/XX/2017 at a contracted facility ( XXXX XXXX ) with my medical provider XXXX XXXX XXXX and in order to process/pay this claim XXXX requested additional information which was never provided to them ( which is a requirement per their contract with them ) Also since the claim was over due it should have been put as a provider write off. 


This collection has brought down my credit score from XXXX to XXXX therefore I am unable to refinance my home to get a better rate.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc. (NC)

{$4200.00} MID ATLANTIC FINANCE I was told back when i surrender the car to the bank now they say I owe XXXX they me if I surrender I would not owe any money now its changed
Consumer complaint received 2019-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I used my credit card to purchase sensors from XXXX XXXX XXXX. And then after paying them with a check from my monthly bill. They billed my credit card for the same amount again. And I never gave them permission to use my credit card for billing. I called Capital One and they started a fraud case. They said that they would send me out paperwork to fill out. They never did send out anything for me to return.They did however send me a letter. Saying because I didn't provide them proof. They were giving them the money. And I told them I never authorized them to use my card. And they were helping them commit fraud. So I closed my account with them. I have never seen any credit card company approve a transaction a customer didn't. If you don't see something wrong here I wonder. I thought it was my credit card not Capital One 's. I didn't know they got to approve what I purchased with my card. Maybe they should make the monthly payments too.
Consumer complaint received 2019-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

We recently purchased a home in XXXX with an FHA loan. Our mortgage transferred to XXXX XXXX, a month later Mr Cooper took over XXXX XXXX. We broke up a payment into 2 payments due to my husband being short hours at work. When our loan transferred to Mr. Cooper, both payments were missing, they have recovered one, but 2 months later along with many phone calls, the 2nd payment is still missing. We have submitted proof of payment and everything to have this credited to our account, but it has still not been done! There is also no way to speak to anyone in the department that handles the missing payments and we are just told that they will reach out to us when they find out something.
Consumer complaint received 2019-03-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (AZ)

Calls from convergent outsource saying give me credit card number. For XXXX For a XXXX debt. Or settle today for XXXX. I said I havent had XXXX for 12 years. They tried to confirm my email address and it was not or ever my email. 
They asked for my ss number but I didnt comply. I told them they were a scam several times and the guy XXXX started cursing and saying they are a legit collection and if I didnt pay they would put it on my credit rating. He ended the call. 
I called XXXX with my ss # and email address confirmed no acct has been active for 12 years and shows a XXXX balance. 
Pls help XXXX XXXX
Consumer complaint received 2019-03-12
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: Experian Information Solutions Inc. (GA)

I have sent letter after letter requesting that Experian Investigates a charge off account for XXXX XXXX XXXX and XXXX XXXX XXXX charge off account only response Experian is saying these items have been verified in return I ask them how are they verifying the account Experian hasn't been able to provide me any info on that. All of my letters stated that I was requesting this info and did not consent to e oscar verification.
Consumer complaint received 2019-03-12
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 — Problem with personal statement of dispute
Company: GMFS, LLC (LA)

I am a XXXX XXXX ( XXXX  ) that was affected by the government shutdown from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I  contacted my mortgage company, GMFS servicing loans to inquire about any forbearance options that they may be offering federal employees because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXX  's delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XX/XX/XXXX. So I called GMFS on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted GMFS escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

On XX/XX/XXXX, a payoff check was sent to the location my normal mortgage payment is processed by my bank. The amount paid was based on the payoff feature within the WF online account process with a payoff date of XX/XX/XXXX. Apparently when a payoff is made, there is a different address that should be used which I did not realize. I contacted WF on XX/XX/XXXX as payment had not occurred to find out the status. I was told you did not follow the instructions so the check will be sent to XXXX XXXX where it should have been sent originally but that interest will still accrue on the account. I feel this practice is deceptive in that my check went to where my payments typically go and I made a good faith effort to cover interest through the date it was received by WF. I was told that because I did not follow directions I would be still accruing interest. This seems unfair and somewhat abusive practice and I wonder how many others suffer under the same regime.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am currently in the process of buying a house, and I was checking my credit report and I discovered that two companies that are effecting my credit score in a negative way. These companies are Capital One Bank ( credit card )  which I called on XX/XX/2019 and spoke to customer representative XXXX about removing the account or the negative remarks. She refused to do so because she said she can not prove that the account is mine. Afterwards, I attempted to call XXXX XXXX XXXX ( credit card ) but the number that I found which is XXXX was a scam phone number connected to a sweepstakes.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have a XXXX account on my file ( XXXX ). I attempted to pay this debt and XXXX refused the money saying they are no longer collecting this debt. I have attached a letter to that effect. It is a violation of federal law to leave a collection balance on my file that I am unable to cure.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

can not reach custoer service phone systems are horrble.. its like they set it up so that you will not want to call back. 40 minutes to get to somebody because they are so disorganized
Consumer complaint received 2019-03-12
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. (PA)

On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (HI)

Wells Fargo Dealer Services is reporting one payment in XXXX XXXX that they " claim '' was ten days late. 

1. They are reporting this to XXXX  and XXXX ( but important FACT!!!!! they are NOT reporting this to XXXX!!!!, this is important because both can't be true. ) this alone should be enough proof that Wells Fargo is " making up information ''. 
2. We were arguing over the now illegal " CPI '' thuggery that Wells Fargo Dealer Services yes threaten us with in XX/XX/XXXX as a result Wells Fargo Dealer Services Representatives threw a fit and hung up several times. They were more interested in regulating my speech and hanging up then resolving the payment issue. They are the reason for the delay. A federal judge has order them to correct the credit records that their illegal CPI program spawned. 

Wells Fargo Dealer Services along with their parent company has been caught in lie after lie and have built a reputation for being white collar criminal olympians in the last several years. 

EVERYTIME we confront Wells Fargo Dealer Services they come up with a new LIE or " story '' The CFPB needs to hold this lawless company accountable. 

Wells Fargo Should Immediately stop reporting incorrect information about a " late '' payment in XXXX of XXXX as we never were late. Wells Fargo Dealer Services should not hang up 100 's of times on their customers if they want prompt and expatiated payment for their " services '' and not lie about information about their customers..
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I gave proper notice in 2015 to notify my apartment complex of my moving out. I found out years later when I tried to rent another apartment that XXXX XXXX XXXX put me in collections for XXXX! Even though I gave them written notice 60 days in advance. So now im a single mom, trying to get my life together, and XXXX. My son and I got denied for an apartment and literally have no place to live. I am a hard working good person trying to make life better for my son. This is an unwarranted ridiculous, 5 year old debt which is the ONLY thing stopping me from renting an apartment. The property, XXXX XXXX has no record of my debt, Ive called several times just to verify.
Consumer complaint received 2019-03-12
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. (IN)

XXXX : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. 

You will see in my letters dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XXXX XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XXXX XX/XX/XXXX. 

It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XX/XX/XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. 


Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.