davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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)

Transunion is not honoring FCRA 605B. I submitted an identity theft packet requesting a block to Transunion via certified mail on XXXX-2017. The item was delivered on XXXX XXXX, 2017 at XXXX XXXX. Instead of blocking items, Transunion opened a 30 day investigation which was scheduled to complete on X/X/2017. FCRA 605B requires four items in order to reauire a block of information. 1. Appropriate proof of identity of the consumer, 2. A copy of an identity theft report, 3. Identification of the information that is asserted to have resulted from identity theft, and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer.
FCRA 603 ( q ) ( 4 ) defines an identity theft report as a a report that : " ( A ) that alleges an identity  theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or  such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " I have included all of the above in my identity theft packet sent to Transunion and Transunion failed to block the items. Although most items were eventually resolved through the 30 day investigation, I have yet to have one fraudulent collections come back as " verified. " although the CRA is required to block since I provided all the information required. This is not my account. I did not open the account hence why I included it in the identity theft packet. If my account was verified, its because my correct personal information was used to open the account. Please correct this issue and block XXXX from my credit report.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must  provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. XXXX. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XXXX XXXX, 2016. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

paypal monitors tracks XXXX activity account holder balances a refund of XXXX dollars received for the sale of the vehicle XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Member id XXXX ( Feedback Score Of 21Yellow star icon for feedback score in between 10 to 49 ) 100.0 % XXXX XXXX ( Contact Member ) Available Quantity : XXXX Shipping cost : See description Buyer Zip : XXXX Tracking number : [ Add ] Watch Count : 8 XXXX note : An unpaid item case is open for this transaction. {$800.00} Buy It Now See description XX/XX/17 Checkout complete paypal has closed the account after receiving XXXX dollars making it unavailable
Consumer complaint received 2017-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (OH)

The final billing from the vendor ( XXXX DBA XXXX ) for utilities related to a lease agreement did not include validation of the amounts billed as related to administrative fees and proportional billing method ( no individual meter per unit ). The bill included charges for service for administrative fees and for a billing period after possession had been transferred. 

Information was requested for validation and not responded to in a method that could validate the amounts. The vendor was repeatedly asked for validation and clarification ( for which email documentation exists ) and would not provide, but sent the bill to collections. The billing included amounts accumulated for additional fees and amounts that not disclosed in the lease agreement and therefore not allowed according to the revised statutes of AZ. Also, the billing included charges for utilities after possession of the unit had been transferred back to XXXX. XXXX was requested to adjust the billed amount accordingly. Rather than adjusting, they sent the bill for collections. 

The lease agreement was for the period of XX/XX/XXXX to XX/XX/XXXX. Possession of the unit was transferred back to XXXX on XX/XX/XXXX and electric utilities were stopped ( included for information but not related to billing ). XXXX began renovation of the unit ( XXXX ) immediately and were utilizing utilities. 

My repeated attempts to clarify and obtain an accurate bill amount were not fruitful. 

The final billing was {$66.00} of which {$36.00} was for the period of XX/XX/XXXX to XX/XX/XXXX ( this period was after transfer of property back to XXXX ). Also, during the term the billed amounts included a administrative fee of {$3.00} per month for 11 months : {$38.00}. ( this amount was not disclosed in the lease contract so, by law not valid ). 

If both charges are invalid, the amount owing is $ XXXX If the Admin fee is valid but the final month not valid, the amount owed is {$30.00}. 
If the final month is valid, but the admin fee not valid, the amount owing is {$28.00}. 

As stated in my communication, paying the correct amount is not the issues, but having XXXX provide an accurate billing with proper disclosure of calculation and validation is. 

Thank you for any assistance you can provide.
Consumer complaint received 2017-02-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (CA)

In the month of XXXX I had some checks printed out from my bank at Navy Federal Credit Union at the XXXX XXXX XXXX, XXXX, CA XXXX location. Since the checks were given out I issued out approximately XXXX of the sheet of checks given to me. Upon writing out my fourth one I noticed that the check had my full social printed on it. I contacted them through XXXX message and had a representative tell me someone would contact me regarding the issue. I spoke to a gentleman by the name of XXXX ( incident:XXXX ) and he apologized for what happened and kind of suggested what I should do. He then offered to send me a box of complimentary checks. I also went to the branch personally and spoke to the person in charge at the time because XXXX had gone home for the day on XX/XX/2017. Once again they offered their apologies and suggested I should do all these things and pay for all this monitoring. ( The lady I did speak to did offer to reimburse me for any credit monitoring I elected to do ) My concern is with the fact that my social was printed out. When speaking to them I felt that I was blamed for the situation because the checks were in " my possession '' when those checks were written out but admitted guilt that it was a teller error. This is a mistake that should have never happened. I was explained as to why it happened, and in my opinion it should be 100 % preventable. There should n't even be an option for full socials to be printed out on a check. Even if it is an " old system ''. We live in a time where full social are not even really required anywhere just the last XXXX. For the reason alone that it is sensitive information. However, I was made to feel that it was n't really a big deal and that all I had to do was notify the credit bureaus of the situation and get credit monitoring. They assured me that it 's nothing to worry about that no one would really see those checks besides the person I gave them too. However, I find it hard to believe. One of the checks I wrote ended up being an NSF. He got a mail in the letter with a picture of the check and my full social appeared on it. So everyone who saw that letter had the opportunity to have seen my social. I would like for this to not happen again. And I would like a real resolution for this incident. I have a voided check still in my possession as proof as well of a copy of that letter that the person I gave the NSF check provided me with.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a copy of my credit reports and noticed some erroneous items on my credit reports. After reviewing my records I could not find any documentation of any contractual relationship between me and Midland Credit Management Agency who reports and represents a Credit Card Company. 
This is not a request for verification or validation. This is a request for strict proof of a copy bearing my signature. I have sent certified letters dated XXXX/XXXX/XXXX and another on XXXX/XXXX/XXXX to provide me with a copy of an original application with my signature but to no avail. MCM Inc insists that I have a charged off amount totaling {$810.00}. To show how irresponsible and negligent they are, in their most recent response I received an invoice belonging to another consumer, which is presently in my possession. They have violated the FCRA and at this point and time they must delete all negative items from their report. I will not upload this consumer 's personal information until I get a response.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I paid off the balance of my XXXX XXXX card issued by the Bank of America on XXXX/XXXX/2016 ( mailing date ). The amount paid was the total balance and it was paid prior to the due date on the bill. I sent the payment via USPS Priority Mail to ensure it arrived quickly. On XXXX XXXX, 2016 I received another billing statement from Bank of America indicating that I owed {$73.00} for interest charges. On XXXX XXXX, 2016, I mailed a letter via USPS Priority Mail to the Bank of America indicating that I was disputing the {$73.00} amount showing as owed to them. I paid {$78.00} to the Bank of America on XXXX/XXXX/2016 to close out the account. On XXXX/XXXX/2016, I received another billing statement from the Bank of America indicating that I owed them $ XXXX XXXX/XXXX/2016 at XXXX ( Eastern Time ) , I called Bank of America and spoke with XXXX XXXX regarding my dispute of the billing statements. She assured me that Bank of America would issue a credit for {$3.00} and send me a letter acknowledging that the account was now closed. To date, I have not received such a letter and I continue to receive billing statements.
Consumer complaint received 2017-01-18
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Neighborhood Assistance Corporation of America ("NACA") (MA)

Hi, I am asking and pleading for your help. Bringing this back to XX/XX/XXXX, we accepted an offer on our house from a woman using a NACA loan. This NACA loan is a government/state ( honestly it is not very clear who assists ) aide loan. This has been an absolute nightmare since. We were set to close XX/XX/XXXX, however, received notice on XX/XX/XXXX at XXXX that we would not close, and not given a reason why. All we were told at the time is that there was a minor hold up that they needed one week tops to clear. By that time, my family and I including my XXXX year old and XXXX month old were in a house with no furniture except a crib, and XXXX air mattresses, which is because every extension we have had has been this " short '' extension that seems counterproductive to move anything back in. When they asked for a week, we set the extension for a week and a half for XX/XX/XXXX, to ensure there would not be another extension. XX/XX/XXXX came and went without a word from NACA. Our contact person out of the XXXX office, XXXX XXXX, has been avoiding office calls, emails, and cell phone communication. We finally got a response from XXXX XXXX 's supervisor XXXX XXXX after our closing on XX/XX/XXXX had already passed. He then explained that it would need to be postponed again and that again it wAs just the bank reviewing the clear to close. Once again we signed an extension that brings us to XX/XX/XXXX, tomorrow. Once again no one can get ahold of XXXX XXXX. This whole process is unbelievable. This is a program that advertises being for a family, however, they have acknowledged the conditions my family has been living in and done nothing. My 18 month old was hospitalized during this time which we again expressed to them, yet nothing was done and calls, emails and texts were ignored. I think that this is something that would help many people to investigate. If you look up NACA there are many similar situations. If you look up XXXX XXXX and XXXX XXXX you can find many situations involving the same people. This is not right for my daughters to live like this and it is not right that they are continually getting away with this. 

I hope to hear from you soon, thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

Hi, I opened a new business account with US Bank in XXXX AZ for a new business that needs merchant services. This started XX/XX/XXXX. US Bank uses Elavon for the Point of Sale Device and referred me to an Elavon representative. I decided to purchase a device. To this date I can not not get an invoice from them and this company has taken {$1400.00} from a new business account that only had XXXX in it to start the account. I found this out because I had an insufficient funds notice from US Bank plus overdraft fees. I have since put a check in to cover the amount. I was waiting for an invoice. The representative told me it was all in the fine print when I was sent a secure email for my signature. It was not and they wo n't send me a copy of anything. They also charged me for {$160.00} that XXXX does not know what it is for and I also had a {$200.00} rebate which I have not received. Elavon merchant services has taken all of the credit card payments from customers to pay for this device as well as as I had to deposit {$1300.00} in the bank account on top of that plus the original {$100.00} I had deposited to open the bank account.. The original cost of the device was quoted to me as {$1100.00}. 
XXXX is the Elavon representative that I was given and she is out of the Nevada office. Her manager is XXXX XXXX phone number XXXX. US Bank has not given me any assistance and I have called names for help on up the USBank/ Elavon ladder. No one has helped me to solve this. I am afraid they will continue to take fees out even after the fact. I do not even have an itemization of their transaction fees. The sales rep would only verbally give them to me over the phone and of course I received nothing from US Bank. The Rep also said she sent me secure emails but I have no notification of her sending emails after I called her. I did receive a secure email from Elavon on XX/XX/XXXX but I contacted XXXX because I received an error message that their server could not retrieve the message. She did not resend anything. This is an issue that did not need to happen and the attitude and false statements I am being handed is an outrage. I am losing money with them and I do not know how much more Elavon plans on taking or charging me. They have extracted more than the purchase price at this point. 
Sincerely, XXXX XXXX RE : XXXX Az businessin XXXX, AZ Please let me know what other information you need.
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (ND)

In XXXX of XXXX, I cancelled my internet and cellular telephone service with XXXX XXXX because of their poor customer service. They bundled and unbundled my services too many times. On XXXX XXXX, XXXX, I checked my credit report and found a collection item from Central Credit Services. I called Central Credit Services and was told that I owe XXXX XXXX for my final billing. However, I called XXXX XXXX in XXXX and XXXX of XXXX to ask for my final bill and was told each time that my balance had been paid in full. On XXXX XXXX, XXXX, I called XXXX XXXX and was told the final bill was due to cellular phone charges in XXXX. I then called XXXX to verify that my cellular bill had not been paid. The representative from XXXX let me know that my cellular bill had always been paid, and I have a zero balance going forward. He also noticed that the service had been bundled and unbundled by XXXX XXXX many times. On XXXX XXXX, XXXX, I talked to XXXX in XXXX ( she was more than happy to tell me where she was ) from XXXX who told me that now I owe for a modem, too, so the bill is not only for cellular service but also for a modem. I do n't know how I leased a modem in 24 hours since I do not have service with XXXX anymore. I let XXXX know that I would be happy to give XXXX the documents I will be receiving from XXXX if they are willing to pay the {$5.00} fee I had to pay to receive them. If I would not have checked my credit, I would not have known about this account because XXXX XXXX gave the collection agency the wrong address, and I never received a letter from the collection agency to tell me the account existed. It needs to be noted that I gave XXXX XXXX the correct address several times both over the phone and on the company 's web site many times, but it was never updated. I tried to resolve this issue with XXXX, but she told me I had to dispute it through the collection agency. The collection agency told me I had to dispute it through XXXX XXXX.
Consumer complaint received 2017-01-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I sent a certified letter to Midland Credit Management to request verification of the debt they are attempting to collect. I requested the verification, the certified letter was received. In turn I did not get verification, but a letter which told me to provide proof/ records as to why I was disputing the debt.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have disputed a couple of accounts that are a result of identity theft. Some off it was removed from my credit report but there are a couple remaining items to be handled. My complaint is that this credit bureau is n't taking my case serious. I need this stuff removed b/c I 'm trying to rebuild the damage that was done. Went to XXXX and followed the steps. Please see documents. Thank you XXXX
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this item with Transunion several times. Every time, I receive a response that the debt is valid. Yet, I have NEVER received any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. I am at my wits end with the massively irresponsible behavior demonstrated by all of the credit reporting agencies ( XXXX, XXXX, and Transunion ).
Consumer complaint received 2017-01-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

Approximately 2 years ago, Navient ( formerly XXXX ) sent me documents to fill out regarding my total/permanent XXXX status. I was to complete the documents and submit them to Navient 's partner, XXXX, which I did. 

The purpose for this was to allow XXXX to determine whether in their opinion I was totally XXXX, as was both Social Security 's and the Federal Department of Education 's opinions. 

XXXX agreed as well, but told me that the final decision, based on XXXX XXXX 's findings, would be up to Navient. 

Naivet agreed to my XXXX status, and removed me from any further responsibility for the loan payments - leaving them all to my co-signer. 

However, Navient did not and will not remove the outstanding debt still owed from my credit report. 

It seems to me that if I am removed from ALL FURTHER responsibility for this debt, I should also have the total outstanding debt remaining to be paid removed from my credit reports as well. 

In attempting to sort this out with Navient, all I ever get is their reply that " Their records are correct. '' I thoroughly disagree because how can a debt I have NO responsibility for continue to be listed on my credit reports as if I DO still have responsibility for this debt. Of course it does n't look good to creditors to think I am that much more in debt when I am not. 

I want Navient to discontinue reporting this debt on my credit bureau reports because legally THIS IS NO LONGER MY DEBT. 

Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Ocwen Loan Serving XXXX I first reinstated my loan with this company by paying a reinstatement payment, while filing bankruptcy, was making agreed payments each month, became XXXX, XXXX thing lead to another, but I paid the reinstatement before any finalization of the bankruptcy, in XX/XX/2016 I paid Ocwen in full and have the letter as proof XXXX, XXXX + but they refuse to report that I paid this house off to the credit bureau 's and the XXXX credit bureau 's are not helping me even after sending in the copies of all paperwork and receipts of paying this house off. I feel as if I am being mistreated unfairly and not given my correct credit scores and ratings because of this, I did the right thing by trying to correct my mistake of my financial mistake, but by doing so I am getting the bad end if they can not report the correct information and say they got there monies for this property I would like my monies back so I can go purchase a home for me and my child. or I will take legal action.