davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

On XXXX XXXX XXXXXXXX I was advised by my mortgage company that my monthly payment would be increasing by {$650.00} per month due to escrow shortage. After researching my taxes and insurance which did increase but only increased {$1100.00} from the year of XXXX to XXXX. After contacting PNC and questioning the drastic increase, PNC stated that there has been a mistake and an inquiry would be opened. As of today 's date, I have made the additional {$650.00} monthly increase with no outcome on rectifying the mistake on PNC 's part. PNC has admitted on several occasions during recorded phone calls that a mistake has been made on their end and still no resolve has happened. An additional monthly increase this drastic has seriously impacted my home life and other utilities are having to be paid late due to the increase.
Consumer complaint received 2023-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IL)

Due to several circumstances, I fell behind on the mortgage. This house is contained in an Illinois XXXX XXXX in order to protect my family from a XXXX XXXX. Midland instructed me to fill out paperwork for a loan modification. I duly complied, and sent Midland the requested paperwork. Midland responded by REFUSING to modify the loan unless the trust quit-claimed the deed into my name. 

This was a problem in XX/XX/XXXX, and CFPB helped me. See case XXXX. At that time I hired an attorney, spending money to do so. She thoroughly investigated the law, and verified that HUD has no such requirement for a quit-claim deed. 

-- -- -- Specifically she cited XXXX XXXX and noted that no title requirement exists that requires me to quit-claim the house out of the trust and expose my family information to a XXXX XXXX XXXX I gave my attorney formal permission to discuss with Midland, and she wrote Midland an explanatory letter on XX/XX/XXXX, including along with that letter copies of the documents that proved that there was no legal requirement, and that the collateral assignment of beneficial interest had been duly executed. My attorney even offered in writing in the letter to execute a second collateral assignment of beneficial interest that specifically named Midland. At that time Midland did execute the modification without forcing me to endanger my family by doing this title assignment. 

-- -- -- - Today, XX/XX/XXXX, I spoke with " XXXX '', teller number XXXX, and she told me that Midland refuses to modify without the quitclaim deed, and said so AFTER reviewing the documentation from the previous incident. 

I am just a few days shy of XXXX XXXX XXXX, and being placed into this position is stressful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This situation is placing me under stress and causing aggravation of my medical conditions. 

-- -- -- - I, XXXX XXXX XXXX, do on the pains and penalties of perjury as set forth in 28 USC 1746, do hereby swear and affirm that the facts above are true and complete and to the best of my knowledge. XXXX XXXX XXXX
Consumer complaint received 2020-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield and Associates are attempting to collect a debt from me claiming that I owe {$290.00} to The XXXXXXXX XXXX XXXXXXXX XXXX. I don't owe anything to that medical facility as I've never been a patient there.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (MO)

On XX/XX/XXXX we received mail correspondence from FNBO ( first national bank of omaha ) containing two XXXX credit cards that neither my wife nor myself had ever applied to receive. Further, neither my wife or I have ever been FNBO account holders or FNBO bank customers. I called FNBO to report the incident and they cancelled the account and the credit cards on XX/XX/XXXX. The FNBO representative had no useful information to share on how the cards originated - who had applied for the cards- or why they were sent. The cards were marked " member since XXXX '' but as mentioned, we have never been FNBO customers.
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company has tried to charge me services for a visitation that Ive never been to. I have never set up an appointment, made contact with this office, or had any relations involving this institution whatsoever. This is fraud and absurd how someone could randomly start charging me for something I have never received or have been serviced. Fix this issue please!!!!
Consumer complaint received 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TN)

More detailed information may be round in a prior complaint submitted to CFPB on XX/XX/XXXX, Complaint Number : XXXX. 

Multiple complaints were filed for multiple identity fraud credit accounts on my credit files. Most were resolved after I provided additional information, and they were received from two of my credit files. XXXX and XXXX removed several fraudulent accounts. Thank you for your help in making that happen. 

The one I am making this complaint about was not removed. Additionally, XXXX has not removed any of the fraudulent information. 

The collection that remains is from : NCA National Credit Adjusters , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX They sent me some credit card statements that are addressed to an address in Florida where I briefly lived in XXXX. There is only one statement with activity dated XXXX XXXX. It is scheduled to be removed from my report on XX/XX/XXXX which suggests the first default was XXXX XXXX. These dates are in line with all of the other identity fraud accounts removed. They ranged from XXXX. This is the same time as the XXXX Data Breach in XX/XX/XXXX. My investigation has confirmed that the IP Address of the person opening this account was located in Kansas in XXXX, and northeast Florida in XXXX. Two places I have never been. 

I requested from NCA multiple times a signed cardmember agreement for this account, I received no response. I am compiling all the evidence, including police reports I made on multiple accounts in XXXX, totaling seven fraudulent accounts that were removed from my credit files. Some of these were re-sold and were again placed on my credit files and removed again in XXXX. Welcome to round three. 

I find it interesting that both XXXX and XXXX have found the other accounts fraudulent and removed them and XXXX found those same accounts to be validated. Maybe another round of modifications to the e-OSCAR system is in order, or better yet, maybe the CRA 's should be required to actually investigate fraudulent charges before they do incalculable damage to an individual. Just a thought. 

Please help me with getting an actual verification of this debt so that I may have it investigated by law enforcement. Or, please help me get it removed from my credit files. Please also advise me what I should do about XXXX validating what the preponderance of evidence verifies are fraudulently opened accounts as a result of identity theft. I have requested in writing a copy of the XXXX e-OSCAR results and lists of the three-digit codes for all accounts that are fraudulent and I have disputed that they allegedly validated, in accordance with section 611 of the FCRA.
Consumer complaint received 2020-08-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc. (MS)

This letter serves as a formal complaint for improper use of my report that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. 

I also respectfully request to be provided proof of this alleged item. By the provisions of the consumer protection laws, I demand that if unable to provide lacking proof of these payments being late, please update payment history to PAANL status ( Paid as agreed never late ). 

It is my understanding that you must validate these items with the reporting creditor for accuracy, Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

I open this account with CITI online. and transferred my direct deposit over to the bank. I open this with XXXX and I have not had access to the account and no one will tell me what is needed to clear up what the issues is. I have called and spent hours on the phone. This has been going on since XXXX. Now my direct deposit is in the account and I have no access to it. They continue to say that i will get a letter in the mail. WHY cant these people tell me what I need for them to unlock my access. I have not gotten went to social media and they reached out to me I sent my ID all my information for them to tell me they could not help. This is crazy that I cant get any assistance. I dont even know the account number because I have never had access to the account all I have is my social security number. I used my debit card from my XXXX XXXX XXXX account to fund the account. so you will need my social XXXX. XXXX XX/XX/
Consumer complaint received 2022-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (UT)

I called Aidvantage on XX/XX/XXXX to request a refund of student loans made since XX/XX/XXXX as per the Biden Student Loan Forgiveness. I understand that many people are also calling in and expected a long wait time. I waited for a call back for six hours. When I finally got in touch with a representative, after most of my information was taken and without notice, went dead. The call had either dropped or the rep hung up. I called back and had to wait until four hours to reach another rep. When I finally got in touch with someone, they had to reverify the information and stated that they had to wait for a supervisor to approve the request but I should be good to go. I was given a time line of 4-6 weeks. After the six week mark, I called again to ensure that my request had been processed correctly. I waited for a rep to answer and when they did, they were busy speaking to someone in the background for about a minute before they realized I was on the line. He wanted to confirm my identity, in doing so, he read my social security number out loud, I assume within hearing distance of the person he was talking to previously. I was appalled that he would even read my social security out loud. I have never had a rep from any company do that before. After explaining my situation, he assured me that the my loan had been processed and it was now a waiting game. I called again at the 8 week mark and was told by the rep that there was nothing they can do on their end to expedite my request, although I have read by other people that some reps will expedite their requests. I have checked my Aidvantage and student loan account every day and my balance has not updated to reflect the new amount. I have just hit the 11 week mark since the initial request. The reps have been giving me the run around with different information every time I call about how long it will take to process my request. I am trying to be understanding but it has been almost three months and my account has not moved. I am beyond frustrated with Aidvantage and can not sit idle any longer.
Consumer complaint received 2020-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2020, I made a wire transfer to Bank of America ( BOA ) in the amount of {$4900.00} the wire was to go into the account of XXXX XXXX  for a deposit on a townhouse I am purchasing. However, the wire turned out to be an electronic bill payment made by my bank XXXX to BOA mortgage. XXXX XXXX  never received the wire. After several temps to trace the money and numerous calls to BOA mortgage, I have not been able to get any answers as to where the funds are and why they haven't returned my check? XXXX states that BOA had received and cashed the check. My bank issued numerous traces and disputes on my behalf. I have not heard from BOA regarding this dispute nor have I been able to get any answers to who's account the money was deposited to. I have called their customer service and even went into the local bank branch and no one has been able to assist or offer me any explanation or resolution.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Problem with XXXX and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have spent more than 8 hours of my time trying to resolve this credit card fraud issue with Bank of America I am attaching my phone records which have highlighted the numerous calls I have made. On three separate occasions I made calls to the fraud department and instituted the fraud review. Each time I was assured that the charges would be refunded only to have the fraudulent charges be reinstated on my bill. The last time I spoke to someone at BofA, I escalated the matter to a supervisor ( XXXX ) on XX/XX/22. I submitted a police report to XXXX ( attached ). She explained that BofA 's computer algorithm was not designed for my situation and my fraud claim would likely be rejected. Timeline of fraud : on XX/XX/22, I got gas at XXXX on XXXX XXXX, XXXX CA. I don't know how I lost my card but the first fraudulent transaction occurred there after I got gas there. I didn't know I had lost my card until I got a suspicious transaction report via email from BofA on XX/XX/22 at XXXX ( attached ). XX/XX/22 I responded that I did not recognize the transaction and cancelled the card that night. The next morning I researched the charges and determined that {$4800.00} charges were fraudulently made XXXX. I use the BofA card for many online purchases. My review of the charges during that time excluded any of those charges and only includes the physical card fraudulent purchases that neither I, nor the other cardholder ( XXXX XXXX ), made. XXXX and I are willing to provide attestations to this fact. We are both attorneys and willing to take the steps necessary to make sure this is resolved.
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

PAYPAL - Have used PayPay for 8 years without a problem. We charge customer 's credit card to pay for orders and some of them are large amounts. One of our customer 's filed a complaint with her personal credit card company that someone had misused her card ( not us ) and it was a card we had charged on PayPal to pay for goods. Her credit card company stopped ALL payments to investigate and the money we charged on PayPal was debited to our account leaving our PayPal account $ XXXX. I told PayPal they could debit MY company 's bank account for the {$15000.00} but XXXX said no they couldn't do it because they had put a hold on our funds in XXXX  and our account was only- {$6000.00}. AGAIN I offered to pay XXXX the full {$15000.00} but no they wanted to debit our bank account for {$6000.00} and they did so but still put a hold on all money we have charged. I ALSO paid {$9000.00} ( total of {$15000.00} ) so that we would have full use of our XXXX account. They STILL are holding our money ( about {$30000.00} ) and say that now we are over our " limit of charges '' this month. Now mind you we are paying fees with EVERY charge AND they are getting interest on OUR money AND we have paid the {$15000.00} but still don't have use of our money. All charges are put on HOLD. Called again and was told that XXXX could up our " monthly limit '' charge because we had reached our {$59000.00} limit this month. These are the charges we have had XX/XX/2022 {$81000.00}, XX/XX/2022 {$90000.00} XX/XX/2022 {$85000.00}. Clearly there is not a limit on our account. We still don't have use of our money. Is XXXX going bankrupt so will be keeping our funds?
Consumer complaint received 2021-02-25
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. (FL)

I have previously disputed this account with XXXX XXXX XXXX and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balanceXXXX XXXX XXXX  XXXX did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.
Consumer complaint received 2020-08-29
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. (TX)

I sent documents proving some information on my credit report didn't belong to me, including a court order to have the information removed, and it still appears months later after multiple attempts to have the incorrect information removed by Equifax, XXXX, and XXXX. 
Specifically, any and all accounts listed from XXXX XXXX XXXX should be removed.

Specifically, any and all Hard and Soft Inquiries listed from XXXX XXXX should be removed because of online fraud and a court order to remove. 
Specifically, on Equifax report any and all late payments from XXXX XXXX XXXX should be removed or marked paid as agreed and on time. 
All three bureaus were sent certified and non certified documents from my attorneys office to have these items removed and they still appear today.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

MY WIFE WAS CROONED, SWOONED, CHARMED AND SCAMMED BY XXXX XXXX XXXX XXXX WHO ALSO TOLD HER HE LOVED HER AND HE WAS USING THE MONEY TO BUILD A NURSING HOME IN THE XXXX. DATES OF TRANSACTIONS IS ALL DATES FROM AND INCLUDING XX/XX/XXXX THROUGH XX/XX/XXXX THAT WERE PAID TO MERCHANT NAME : XXXX XXXX XXXX OF VARYING AMOUNTS. MY WIFE WILL BE XXXX XXXX XXXX THIS XX/XX/XXXX AND HAS DECLINING COGNITION. XXXX XXXX XXXX XXXX WAS WARNED OVER XXXX XXXX YEARS AGO TO CEASE AND DESIST PREYING ON MY WIFE BY MYSELF AS SHE IS OLD AND HAS DECLINING MENTAL STATUS WHEN XXXX HAD MY WIFE PURCHASE HIM EXPENSIVE {$250.00} EAR BUDS AND SEND TO HIM FOR FREE, HOWEVER HE CONTINUED TO GET MONEY FROM MY WIFE TOTALLING ABOUT {$30000.00} ON CREDIT CARDS WHICH WE OWE INCLUDING COMPOUNDING INTEREST CHARGES AND ARE TRYING TO PAY OFF. XXXXXXXX XXXX RETURNED OUR MONEY BUT CAPITAL ONE CREDIT CARD REFUSES TO GIVE US OUR MONEY BACK AFTER FILING A COMPLAINT. POLICE REPORT WAS FILED WITH XXXX XXXX MISSOURI POLICE DEPARTMENT, WHO ALSO DIRECTED ME TO FILE A COMPLAINT WITH CFPB.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX