davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The Consumer Financial Protection Bureau unfairly closed my previous complaint against Capital One. The Consumer Financial Protection Bureau did not let me write back. Capital One case was XXXX. CFPB case was XXXX. Capital One Representative XXXX responded that Capital One does not offer email because of security. However, I have been sending secure message on my own bank when I log into my own online bank->not with Capital One. This is what I am complaining about. Capital One does not have the feature to log into my online account then send them a secure message. 

The second thing I would like to say is that XXXX was lying. She said Capital One does have chat when I log into my online account with Capital One. No, I have been looking to chat with their employee when I log into my Capital One online but they do not have that option. 

The third thing is that XXXX responded back and tell me to call their customer service 24 hours, 7 days per week. I have been trying to call them but their wait time is over an hour and I had to hang up each time.
Consumer complaint received 2020-04-25
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: WELLS FARGO & COMPANY (AZ)

I have contacted this company named Wells Fargo since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the XXXX XXXX XXXX XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in Wells Fargo would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too Wells Fargo or Federal Agencies they would be automatically enrolled into the settlement in section ECF 162-9. AS I READ SA 2.37, 2.42 Wells Fargo has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Consumer complaint received 2020-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

First, I have never been late on any payments to this company. I was gravely sick, and missed the 30 day mark by a day or so. After I called them 2 months in a row for them to replace my lost card. Ive tried to rectify this with the company, but they denied me. I would really appreciate if the company could overturn this one time. Im trying to purchase a home and this is negatively affecting me. The k you for your assistance. 

Best, XXXX XXXX
Consumer complaint received 2020-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

On XX/XX/XXXX I refinanced my VA Loan. XX/XX/XXXX I received my XXXX XXXX   XXXX rating, with final notification in XXXX. I informed XXXX VA tax office and I received a property tax exemption letter dated XX/XX/XXXX from XXXX Dept of Finance Revenue Division saying that I was exempt from property tax retroactive to XX/XX/XXXX, and any taxes paid would be refunded. The Treasury Dept promptly refunded my 4th quarter taxes ( XXXX, XXXX, XX/XX/XXXX ). I informed Lakeview Loan Servicing LLC on XX/XX/XXXX and uploaded the exemption letter. I followed up with an email on XX/XX/XXXX and received an automated response. On XX/XX/XXXX I emailed again and uploaded the exemption letter again. I received a new escrow analysis from XX/XX/XXXX that actually increased my escrow and did not acknowledge the tax free status. On XX/XX/XXXX, customer service re-initiated my " ticket ''. On XX/XX/XXXX, Lakeview Loan Servicing received my certified letter explaining the deficiency, and outlining the proper escrow analysis for XXXX taxes. On XX/XX/XXXX, Lakeview Loan Servicing produced another identical escrow analysis ignoring the tax exemption. I have had multiple phone calls and sent a notarized return receipt certified complaint on XX/XX/XXXX, received on XX/XX/XXXX. Lakeview Loan Servicing continues to bill for an escrow account that is now three times the maximum allowed by law and over {$4000.00} in surplus because they refuse to adjust the analysis for the KNOWN tax exemption. This equates to over {$1000.00} per month of excessive billing. My escrow account has ~ {$6100.00} now, with annual disbursements of only ~ {$1600.00}. All my payments are made on time. Lakeview Loan Servicing changes their story repeatedly, has told me a new analysis would be done on XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX and never completed the appropriate work. Their final claim was that the city website showed taxes from XXXX so they had to use that and could not use the exemption letter FROM THE TAXING AUTHORITY??
Consumer complaint received 2020-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I financed a XXXX XXXX XXXX on XX/XX/XXXX. The dealership valued the car around {$16000.00} and the loan interest was around 26 %. I was up to date with my payments even though the interest was unreasonably high. I had the car for about 3 years and had paid almost the amount that the dealership valued the car but because of the unreasonable interest it seemed like I had paid nothing because the remaining owes amount hardly went down. After getting the car reposed the first time I was able to get it back but decided it was not worth the stress and the money that I was loosing therefor I decided to have it voluntarily reposed. CapitalOne sold the car and still continued to demand more money from me after it was already sold. Towards the last months before getting it reposed the first time I had just lost my job and was going through a separation that turned into a divorce. I believe that CapitalOne has already recovered the amount that the car is valued at and find it suffocating to still have to get calls from them from different numbers and sometimes very early in the morning and letters back to back demanding more money. Im currently a single mother of XXXX and my kids come first before anything. Ive attached to pictures of my statements that are 7 months apart and total amount only went down by {$280.00}.
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (WA)

I obtained a loan through XXXX XXXX XXXX and, as part of my loan approval, I was to pay off some existing debt. The company that was to be paid off was Avant LLC. I sent a check, from XXXX XXXX XXXX, to Avant on XX/XX/20, it was processed on XX/XX/20, but the funds were not applied to pay off the loan. Avant took out a monthly payment on XX/XX/20. After noticing the payment was processed, I contacted Avant on XX/XX/20 to ask why the funds were not applied to pay off my loan, they said they would refer the matter to the resolutions department. I have sent several emails to Avant, and they have not replied. They took another monthly payment out on XX/XX/20. I called again on XX/XX/20, and was told the resolutions department would be in contact with me. Avant continues to take payments out of my checking account, even though they received a check for pay off amount over 6 weeks ago. I have a copy of the cancelled check, which I have included in all of my correspondence, but they still have not applied these funds to my account.
Consumer complaint received 2020-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (IL)

I have loans with Castle Credit and XXXX XXXX XXXX XXXX in XXXX. I tell them I can't pay on time. Collector gets on the phone with me and says I shouldn't have to because both companies have been making loans in states with out beeing licensed to do so so I shouldn't have to pay. 

I said I want to talk to a manager and they put XXXX XXXX on the phone. He talks to me and starts calling me the XXXX word and threatens me saying he's going to have me arrested and put my hole family in jail. 

If they give me loans and have been doing this in states for years per their collector in states where they don't have licenses to do business I was willing to pay but then when he starts calling me the XXXX word and threatening to put me and my family in jail because we're minorities that's not right.
Consumer complaint received 2020-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

I contacted the collections agencies below to advise that the two debts are not my debt. I asked for proof of contracts etc. I was hung up on by both at least once. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX and XXXX several times and it has not be proved to be my debt no removed. I called XXXX and XXXX XX/XX/XXXX asking what should be my next steps. I was told to contact Merchant Credit Guide again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Merchant back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Merchant. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send both letters? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX and XXXX XXXX XXXX and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Merchant Credit Guide, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX, XXXX Account Numbers XXXX {$340.00} opened XX/XX/XXXX XXXX {$440.00} opened XX/XX/XXXX Collection Department / Agency / Attorney Medical/Health Care {$340.00} and {$440.00}
Consumer complaint received 2020-04-25
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: Skopos Financial, LLC (SC)

I have reached out to this company to resolve the issue of inaccurate information on my credit report. Ive never had a loan with this company. Ive told them several of times that I have no reconciliation of the negative item being reported. I have sent over my id, birth certificate and social security card showing I am not nor have I ever went by the name of XXXX XXXX. My last name is XXXX, Ive never been married nor had a name change. If we cant get this resolved Ill be forced to take further actions. Attached is my id and social security card.
Consumer complaint received 2020-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I recently pulled my credit report from all 3 bureaus and Wakefield and Associates located XXXX XXXX XXXX XXXX, TN XXXX. Reported and alleged medical debt as a loan to XXXX   XX/XX/XXXX. In reference to a date of service of XX/XX/XXXX. Sine this has been reported $ XXXX monthly has been added to what's due. Original amount was {$680.00} with a balance of {$760.00}. I contacted the debt collector as was told that they could settle on XX/XX/XXXX for {$610.00} if I made the payment while on the phone. The rep also stated that it was an ER visit, then XXXX visit which drew suspicion with me. I was then told by the debt rep. that a claim was submitted to my insurance company ( XXXX ) and it was denied. I then politely ended the call and contacted XXXX who researched this information and did not find a hospital claim or physician claim for that date of service or amounts in question. XXXX also checked denied claims and it didn't exist. XXXX also informed me that you CAN NOT charge intrest on a medical debt. I then followed up with the XXXX and XXXX Hospital Billing and it was NO debt for this. Nor, do they deal with this company.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2020, I did a wire transfer from my XXXX bank account in XXXX XXXX to my old and already closed XXXX XXXX   account in XXXX XXXX, MO. My intention was to send the money to my current XXXX XXXX  account, but I sent it to the closed one by mistake. 
I have already contacted XXXX XXXX  and they told me that on XX/XX/XXXX the money was sent back to Bank of America which is the intermediary bank. Ive already communicated this to the International Wire Department several times over the last 2 weeks, but they keep telling me XXXX XXXX needs to submit a request recalling the transfer so that Bank of America can return the money to my XXXX account. 
XXXX Customer Service is requiring me to go in person to the branch where I have my account in XXXX XXXX in order to send the request in my behalf but due to the present circumstances traveling is not an option right now nor in the near future. 
This amount of money is the sum of three months of my pension and essential for my daily living so I am asking Bank of America in the most attentive way to please return the money to my XXXX account in XXXX as soon as possible so I can make the wire transfer to my current XXXX XXXX  account.
Consumer complaint received 2020-04-24
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 have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}
Consumer complaint received 2020-04-24
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. (AR)

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- DITECH FINANCIAL LLC ( at XXXX XXXX  XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX  XXXX, XXXX, AZ XXXX ) ( DF ) and ( XXXX XXXX ) /XXXX ( a XXXX Company at XXXX XXXX  XXXX, XXXX XXXX XXXX VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF DF AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both DF and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ).

2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by DF in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with DF.

3 ) For calendar years XXXX  and XXXX   DF met its obligation under the Contract and subject loan which DF designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $ XXXX/year ). 
4 ) During calendar year XXXX DF transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 
5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 
6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 
7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted DF and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at DF and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from DF and therefore could not be held responsible as a result. Finally each of DF and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 
8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. 

Please review this situation at your earliest opportunity and advise me of action pending as a result.

Yours Truly, XXXX XXXX XXXX
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (NV)

I previously disputed this account with your company Experian and it resulted in you verifying this entry. I am once again demanding validation of this alleged account for the second time as I have yet to receive sufficient documentation that legally shows I am responsible for this matter. 

In addition to requesting validation, I am formally requesting your method of verification for these entries that I have previously disputed, please supply me with any documentation you may have on file to aid your stance. 

******** ( Copied from Affidavit of Method of Verification ) ********
Consumer complaint received 2020-04-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have passed the initial thirty day mark, and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA, they are required to .... " Promptly delete all information which that can not be verified '', that I have disputed. Please resolve this matter as soon as possible. Thank you!