davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (TX)

I applied to an auto loan today. My bank told me that US Bank submitted derogatory information onto my credit report that has affected my credit score and ability to obtain a loan with an APR that goes along with my outstanding credit history. Bank told me that US Bank charged off {$150.00} ( approximately ). It appears that this was my mothers account. She died in XXXX. Her house sold in XXXX. I received no information from the bank in the form of an email or phone call, although I'd been a customer for approximately 20 years. 

I was on the phone with the bank for over an hour. I believe they are using some kind of program for the XXXX XXXXXXXX as no one there has the ability to utilize a microwave oven, let alone deal with a customer issue. They were absolutely ZERO assistance. 

I am not responsible for this and want is removed immediately!
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I recently disputed a bankruptcy on my credit report and I sent in supporting documentation from the XXXX bankruptcy court which showed that Experian is reporting inaccurate information. I contacted Experian requesting them to delete the inaccurate information but I was informed that they would open a dispute which was opened XX/XX/2020. The dispute was then marked as complete as of today but the inaccurate information is still present on my file. 

I am now requesting additional assistance from the FTC. I am requesting that someone from the FTC steps in and contacts Experian to have them to remove the inaccurate information from my file. I will also be uploading additional information here pertaining to the inaccurate information provided to me from the XXXX bankruptcy court.
Consumer complaint received 2020-10-14
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. (PA)

In XXXX of 2020 I decided that I needed an additional credit card. I researched on line for the best cash back credit cards. Several websites listed the Chase Freedom XXXX card as one of the best. The promotional info included a {$200.00} cash bonus if you charged and paid {$500.00} in the first three month of receiving you credit card. I applied for and received the Chase Freedom card. After two months I met the {$500.00} threshold however I only received a {$150.00} credit. When I noticed this on my statement, On or about the end of XX/XX/2020, I called Chase about the discrepancy and referenced the marketing promotion when I applied for their card. The Chase call center person I spoke to said they would forward my complaint to their marketing department. On XX/XX/2020 I received a very boilerplate letter from chase saying that my account isnt eligible for the new offer I requested. This is a blatant falsehood because it was promoted when I applied for their card. I did call Chase customer satisfaction group to voice my complaint again to no avail. Basically this was false advertising.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C.Tech Collections, Inc. (NJ)

I recently looked at my XXXX XXXX and noticed I have a collections which i have no knowledge of and I do not owe them any money to the best of my knowledge. The company is called C Tech Collections for {$87.00}. To my understanding i never was in any buildings in XXXX nj or signed any documents giving anyone authorization to charge me anything. Any medical type bills were paid off in full. I will you shows the picture of what i need removed at it is inaccurate.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (AZ)

I am receiving e-mails and phone calls from ABC Financial regarding my old XXXX XXXX membership with requests to update my financial information as well as make payments. My financial information never changed from the original credit card I had on file, however, I believe they have not been getting the payment because the membership was cancelled back when the gyms were closed. 

I submitted an e-mail ( their required form of communication ) to ABC Financial with the cancellation request on XX/XX/2020 and never received a response. When I was charged the annual fee in XXXX, I disputed it due to the cancellation request submission. XXXX XXXXABC Financial resolved the matter and reversed the fee. The dispute was submitted on XX/XX/2020 and the annual fee was reversed and credited back to me on XX/XX/2020. My last payment for the membership was on XX/XX/2020 ; I do not owe anything on this membership after that. 

I followed up with ABC Financial by sending them proof of the cancellation request, my credit card statement showing them the reversal of my annual fee, as well as a request to refrain from contacting me regarding this matter as it should already have been resolved. ABC Financial/XXXX  XXXX continues to call me with requests for payment and threats to send me to collections for membership fees I do not owe.
Consumer complaint received 2022-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

My home is in foreclosure since 2009. I have attempted in good faith to to mitigate this matter by offering a short payoff. Although the lender does not have an original mortgage note and the alleged modification was not signed by me or authorized. The attorneys have not worked in good faith. 
I have tried for several years to resolve this matter. I ask the CFPB to investigate my entire file and review all documents including but not limited to the mortgage note, allonges, assignments and any alleged modifications. Please note that all required notices were not properly sent to me or my deceased mother. I believe that the Dead Man Statute of XXXX XXXX  Prohibit foreclosure in this matter absent an original note or a authorized modification signed by both owners of the property.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My account been frozen since XX/XX/XXXX I received a call XX/XX/XXXX for the first time about my account, I was told that my account would be accessible XX/XX/XXXX still no change or no call. I been operating my business since XXXX with this account this have never happened. Capital One has never done this before and now my business is suffering I just had to pass on a XXXX dollar contract because I dont have the funds to operate
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (WA)

XX/XX/20- US Bank has recently decided to close my account, without any reason. My theory is that a month back I had filed suit in which I suspected the bank had wrongfully managed my account. The court did not rule in my favor, I had left it alone afterwards -- if the court said the bank was acting in good faith why pursue it? I feel that because I had exposed a lot of the company 's actions they have decided to terminate my account but because they aren't releasing information about why they are closing my account I am only left to speculate. 

I wish to remain having an account and I feel as though establishing a policy that allows the bank to terminate my account without any reason or for whatever reason is a violation of my Freedom of Choice and my First Amendment Right to choose what bank I can bank with. Of course, I choose another bank but if US Bank is allowed to do it so would any other bank.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (KY)

I received a letter in the mail XX/XX/XXXX, when I opened the letter, the first give away was the letter was dated XX/XX/XXXX. The letter stated that McCarthy, Burgess & Wolfe collection agency were trying to collect a debt for XXXX XXXX  XXXX for {$210.00}. Within 5 minutes of starting to read the letter, i get a phone call from this company saying it was a recorded line and they were trying to collect this debt, I explained to him that there was no debt owed and that I was going to call XXXX XXXX right then, he then proceeded to tell me that they will not talk to me about this matter since it was turned over to them, he kept pressuring me to pay this amount. After about 15 to 20 minutes of him pressuring me I hung up the phone and called XXXX XXXX which confirmed that there was no debt owed to them.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/XXXX of this year, I filed a complaint with the cfpb in reference to this company under complaint XXXX. 

The company responded on XX/XX/XXXX commenting that they would send documentation to verify this debt. To this date I have received no communication or proof ( 28 calendar days from the original complaint ). I am asking for the last time for this entry to deleted from my credit reports before I take further action. Attached is a copy of another letter sent out today requesting documentation, which they claimed to have not received before. 

Copies to other companies listed
Consumer complaint received 2023-01-12
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and do an immediate update or correction form my credit file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coastal Credit, LLC (CA)

I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called coastal XXXX and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me coastal XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CFPB CASE # XXXX Thank you for trying to help me. Capital One does not have anyone to discuss this issue, They reply on their computer to answer which they have. They sent me a computer mumbo-jumbo. They do acknowledge the account is closed and they have received the XXXX payment. They say there is a balance of XXXX. Those charges where placed after the account was closed. I have asked them for a statement of all the charges as well as my authorized acceptance of the charges.
Consumer complaint received 2020-10-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Services, Inc. (FL)

On XX/XX/20 after MONTHS of trying to reach National Credit Service ( NCS ) I was finally able to get someone on the phone to make payment arrangements. At this time they informed me that my account would be in delinquent status unless I pay the loan off in full for {$20000.00}. I am unable to do this so I started payment arrangements. I called again on XX/XX/20 to see if I could get proof of my payment plan including information on if my payments are going to interest or principal etc. I was informed that they could not tell me but could send out a paper showing my payment and they referred me to look at XXXX for information. I again asked if my payments could change the status of the account and was told that I would have to pay {$20000.00} to change the status of my loan. I was able to log onto XXXX and I can see that my balance is {$17000.00} to pay the loan in full. NCS is being deceptive to exhort additional funds from me against my remaining balance. This is obviously unfair collection practices and fraudulent actions on their part. The Department of Education gave my loan balance as {$13000.00} as of XX/XX/20 with NSC trying to collect a {$3000.00} fee and interest on top of that. NCS 's deceptive actions leave me no choice but to report them for this to be resolved. Their poor ethics, terrible customer service and unfair practices leave no room for anyone to pay down a loan. The payments that I am making are going ONLY to NCS fees and not even toward my loan balance. This needs resolved immediately.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (MI)

I left the apartment called " XXXX XXXXXXXX XXXX  XXXX XXXX '' in about the first week of XX/XX/XXXX. The manager and I agreed upon the final bill will be sent to me via Mail once they finalize my lease break cost. As agreed I sent them my new address via email to " XXXX XXXX '' who works there and she helped me with my leasing along with a CC to the manager " XXXX XXXX ''. I have the proof of the correspondence of the email sent. The email sent to them clearly indicates my new address and requesting the final bill for settlement. Additionally, i also called the employee working there to give him my new address in case they fail to see my email. I had 2 mode of communication to give them my new address. 
The XXXX management never got back to me regarding any bills, and that made me assume that my initial deposit has taken care of the rest pending balance. 

After about 1 year on XXXX XXXX, XXXX. I get a notification of a " Collection Account '' being reported to my XXXX   credit report. I have had no formal communication with any of the Original creditors nor the Collection agency in the form of a letter mailed to me. I vaguely remember someone calling me and asking if i ever lived at " XXXX   XXXX '' for which i naturally denied as i did not know what that is. The collection agency never mentioned " XXXX XXXX XXXX '' they only referred " XXXX  XXXX '' which was not relevant to me. The collection agency only contacted me via phone to ask the balance and never sent me in mail itemized bill for it to be legit and valid. 

Neither did the original Creditor nor the collection agency gave me a single chance of negotiation to pay the balance that is been indicating on my credit report. 
Firstly, if the original creditors " XXXX XXXX XXXX '' have approached me with the bill i would have paid them without even getting any of us into so much trouble. 

I CAN NOT PAY ANYONE WHO CALLS ME FOR MONEY JUST BASED ON ANY RANDOM PHONECALL THAT I WASNT EXPECTING AT ALL.
Consumer complaint received 2020-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Cap One Auto sent a letter in XXXX stating autopays will stop, even though there was still a balance owed. Account closed due to terms ending. I had pushed payments to the end of the loan due to Covid-19. I was told I had 2 extra months of payments, but Cap One said it was all due immediately and reported me late after the fact. And this is during a pandemic! This is not acceptable, false and deceptive.
Consumer complaint received 2020-10-14
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: EQUIFAX, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have been receiving constant calls from representatives at Portfolio Recovery with whom I have no contract with nor have I given my consent for them to communicate with me. They have violated the following codes ; 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692g, Identity theft as defined by 15 USC 1681a ( q ) 3. I have identified 22 instances of each of the 15 USC 1692 codes and 44 identify theft violations totaling 154 violations.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020 I had a positive balance in my account of over {$650.00} and pending items on my account that did not post. I had a check come out that was for {$650.00} now TD bank is charging me an overdraft fee on three items that were pending even though the items did not post. These transactions were small amounts each one under {$100.00} and now I am being hit with {$35.00} for each one. I tried to get the fees waived but was told that they already waived a couple of overdraft fees for me in XXXX. In my experience no other bank treats customers this way, they are out to make customers pay as much over draft fees as possible. Its really predatory. I just want my money retuned I cant afford to pay these fees now that I'm not working.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

After multiple phone calls to TIAA bank and also using their online contact forms I am unable to obtain my 1098 tax form from the company.

Their email reply to me is to retrieve the 1098 from their website. I have replied twice with this text below that they either are not reading or are ignoring : -- -- -- -- -- -- -- -- -- -- -- -- -- When I sign in and click on " View Year End Statement '' it still displays a message saying " Requested 1098 File Does Not Exist ''. 

I did not receive a XXXX statement with the 1098 and now I've just received my XXXX bill. 

If you can not fix the website then just attach my 1098 PDF to an email and send it to me so I can complete my taxes. 
-- -- -- -- -- -- -- -- -- -- -- -- - This is getting serious as it is preventing me from completing my 2020 taxes. This is costing me money and will eventually force me to deal with the IRS which I have never had to do before.