davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke ro capital one about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NJ)

Selip and Stylianou LLP filed a lawsuit against me, claiming they were doing so on behalf of XXXX XXXX. However, the following raises some issues with them suing me : 1. XXXX XXXX said that they charged off the debt and are no longer involved with it ( see attached letter from XXXX XXXX ). How can Selip and Stylianou LLP sue on their behalf if they are not involved with the alleged debt anymore? 2. Selip and Stylianou LLP filed a lawsuit with the Superior Court of XXXX County without ever attempting to contact me about the alleged issues they are suing me for. How can they file a lawsuit on someone without once attempting to contact the person to resolve the matter? 3. Selip and Stylianou LLP continue to send me papers DEMANDING answers to use in court regarding the issue but have not sent me any verification that I have asked from them as well. They have no returned any responses to letters I have written them, phone calls, or voice messages.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I called TransUnion to have inquires removed that were not requested by me. I was told that I was unable to do so. After researching, I found that inaccurate information reported should be removed within 30 days if they are unable to validate it. I called TransUnion again today, XX/XX/XXXX and spoke to a rep that was found outside of the U.S. I again tried to dispute/delete the inquires that did not belong to me and the rep told me that I am unable to dispute or remove them for 2 years. I explained that it was inaccurate information that was reporting to my credit report and he again said that I had to wait 2 years for them to be removed. The rep then asked me if any of the collection accounts were not mine. I explained that I was not calling about any of the accounts listed as collection or open on my credit report and that I was calling because there were several inquires from companies I did not agree to or approve of. The following companies are those which need to be removed : XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX The rep refused to dispute or remove the inquires.
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters sent me a letter stating that I own {$440.00} on an account that is not mines. I replied to them and stated that the account was n't mines and if they can validate the information by providing a copy of the original contract bearing my signature. This company has only sent me an itemized bill of a credit card statement. I have asked them for proof for over a year and they have yet to comply. I have sent them a letter stating that according to the FTC that a printout of a bill or itemized document does not constitute verification of a legally binding contractual obligation agreement. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if they do not take this off my credit report no later than XXXX XXXX, 2017.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TN)

On X/XX/2017 I contacted my Federal Student Loan service provider, NELNET. I was attempting to obtain an amortization schedule. An amortization schedule is not available via their website and my Mortgage lender was requesting one. No one at NELNET was able to provide one. I spoke with XXXX XXXX at one of the east coast service center and she stated that she would not provide one even though they had them for their internal records. They advise that since they change my payment at anytime with a 30 day warning that the amortization schedule was not allowed to be released to me. As borrower I should be able to have this documentation for my records yet they refused to provide anything that could not be printed off their website.
Consumer complaint received 2017-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I received a call from national Credit Adjusters about a debt they claim i owe. I have no recoeved any written communication from the company and when requested, was yelled at and told they would n't send me a letter. The man on the phone said he would only send me validation via email, even though I requested it to be physically mailed to my house. When I asked for a mailing address to send a certified letter to requesting validation of the debt he would only give me a PO box , and not an physical address. They continue to call me several times a day. I have gotten calls past XXXX on a few occasions. The employees I speak to are threatening and disrespectful.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Made payment on XX/XX/XXXX of {$42.00} of {$84.00} due ( minimum pymnt due {$27.00} ) on XX/XX/XXXX ( no minimum charge and no interest charge? ). {$2.00} Minimum Charge Fee added ( no interest added which states a minimum of {$2.00} in their agreement ) on XX/XX/XXXX closing date. Made another {$42.00} ( minimum pymnt due {$27.00} ) on XX/XX/XXXX due on XX/XX/XXXX. {$2.00} Minimum Charge Fee added on XX/XX/XXXX. Total due now is {$4.00}. Made {$4.00} payment on XX/XX/XXXX ( no interest fees ). {$2.00} Minimum Charge Fee added on XX/XX/XXXX? Payment was made before closing date. I feel like I will never get this card paid off with this game they are playing. I see nothing noted in their agreement about a {$2.00} Minimum Charge Fee. I never got charged interest rates and their minimum on that stated {$2.00}. I have since cancelled the card due to the constant charges even though it has been paid off since XX/XX/XXXX before their due date of XX/XX/XXXX and the closing date of XX/XX/XXXX. I feel they apply their interest rate minimum of {$2.00} as this Minimum Charge Fee so they can continue to charge it as long as their is a balance and you wo n't see it until the next statement.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/XXXX my husband ( XXXX XXXX ) received a phone call from a process server who wanted to schedule a time to deliver documents, they gave him a phone number to call so he could find out what this was about. He included me ( XXXX XXXX ) in on the phone call. The number was ( XXXX ) XXXX. The company was a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We spoke with a XXXX XXXX. She explained that they were a legal firm and that they were representing Fifth Third Bank. On a overdraft charge made about 10 years ago and that they had sent us notice on XX/XX/XXXX with an offer of 1/2 off the  balance. We never received anything in the mail from them. We requested proof of this debt. She told us that she did not have to give us any and that we would see everything when we went to court. The original debt and all the agencies that have held title on it. Our debt was {$1800.00}. If we went to court we would owe the debt in full and the court cost all due that day. If we had to have his wages garnished it would cost us over {$3000.00}. We decided we would have to call her back. When we got home, we called Fifth Third Bank and all they could tell us was that XXXX XXXX did have an account with them 10 years ago but it was closed and they no longer had anything on file. They told us we should check XXXX XXXX to see if it is on there and that would have tracked the debt. At the time we could not get onto the XXXX XXXX site and were unable to pull the report until 2 weeks later. Since we did n't know what was going on, we decided we would try and pay the debt in full, so we would not have any legal issues. We called XXXX XXXX on XX/XX/XXXX and asked if we could work with them on this. She told us if we could pay within 7 days she could get the balance dropped to {$730.00}. I went ahead and paid it the next day. Giving her a direct transaction from my checking account. I will attach the email and form we signed. Since then, we have received numerous calls from debt collectors trying to collect old debt from my husband from banks he never had accounts at, all of them threatening court. We have also received a XXXX XXXX report and all 3 credit reports and Fifth Third and none of these other banks or balances are showing on any of them. I have recently done a lot more research and now know our consumer financial rights and believe that this company is a fraud and has scammed us out of our money this debt would also have reached it 's status of limitations and they would not have been able to take us to court over it.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (PA)

Late last year Key Bank acquired XXXX XXXX XXXX. Around the time of conversion, Key Bank posted my payment for both my Mortgage and Home Equity incorrectly ( XXXX and XXXX ),  causing me to show as delinquent. I received several phone calls telling me that they were attempting to collect a debt, after I did research I found that they posted the payments incorrectly. I explained this information to them, they said they would fix it. The next month I received the same phone calls saying my payments were past due. After approx. 3 hours of phone calls ( trying to get to an individual that would be able to help me ) they acknowledged their mistake and provided me with a letter saying it was their error and no negative information was reported. I pulled a Credit report, and they did in fact report me as 30 days past due twice ( XX/XX/XXXX and XX/XX/XXXX ). I again spoke to several people at Key Bank and even made a trip to my local branch. They said the issue was corrected and again gave me documentation stating I was not past due at any point during my loan. Fast forward to last night, when I applied for a new mortgage, and was told my rate would be 1/8 higher then quoted because my credit score was below XXXX on two of the major credit reporting companies. Upon looking at the credit report, it was noted that 2 of the companies are showing I was late with my Mortgage held by Key Bank. The one that was not reporting me as past due had my score above XXXX..enough to get the lower rate. So now because of Key Banks error and their incompetence to make the correction correctly, I am now going to be paying more for my mortgage in addition to the {$32.00} I just paid to see my full credit report. I have never been late on my mortgage or my HELOC and I am beyond upset that because Key Bank made several errors, which they have admitted to, I am going to be paying more for my new home. Does not seem fair to me.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IA)

I signed up for Citibank 's Citi Gold checking account under a promotion that promised XXXX Thank You Points in return for originating the ( new ) account and meeting the eligibility requirements and a series of tasks. The eligibility requirements were : Possess a Citi credit card that earns Thank You points ( yes : Prestige and Premier cards ) You must be XXXX or older, ( yes ), New checking customers only ( yes ), Must open account before XXXX/XXXX/15 ( yes ), Must use offer code : XXXX ( yes ) Upon opening the account I confirmed eligibility with a Citi representative via secure message ( Live Chat ). 
To qualify for the aforementioned points, the new account holder needs to use the Bill Pay feature in his/herCitigold account to pay one bill for two consecutive months. I did. 
Upon completing these tasks, I confirmed that I 'd met the requirements with a Citi representative via secure message ( Live Chat ). She indicated that the points would post to my account by XXXX XXXX. 
When they did not, I started a series of communications with Cit via Live Chat and telephone calls where a determination was rendered that I was not targeted and therefore ineligible for the XXXX Thank You Points. I 've repeated the process of explaining the chronology and communication three times to Citi Gold representatives by phone, who indicate sympathy and acknowledge that the conditions for the reward were met, but then file a report with " the back office '' that generates a form letter that repeats the assertion of a lack of eligibility.
Consumer complaint received 2017-07-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Ditech Financial LLC (NY)

Several years ago I was called and offered a personal loan on the telephone for XXXX from a company named GreenTree Servicing. I was told explicitly that it was a personal line of credit, a personal loan. I accepted and received normal bills and made payments. Aproximatly, one year later The bill started referring to the terms as a mortgage as though this was a second mortgage on my home! I had never taken out a second mortgage on my home with this company, especially at 13 % interest. They also failed to give me the rate that they promised which was about half. I contacted this company numerous times to no avail and to avoid bad credit I still paid the bill. Then they started misallocatibg the payments to only pay the interest on this personal loan which they now referred to as a Mortgage. Again, after so many calls a consumer can only take but so much. Subsequently, they then transferred my personal loan/ their supposed mortgage to Ditech who I still receive bills from and pay. At the same time, this said to be personal loan from GreenTree/Ditech which somehow attached itself to my mortgage then started coming with not only my name but my girlfriend 's name who is co-owner of the home. She had never been involved in this personal loan transaction. In fact, this entire transaction took place over the phone with no documents included to sign, all verbal. But again, she never had anything to do with this and I never agreed to the terms that they are referring to. My home had nothing to do with this loan. Without hiring an attorney how can I get this resolved as they are also now unwilling to modify or relook these terms and are now destroying my credit as well. This is blatant fraud and I feel extremely victimized. Thank you in advance for your help.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (WI)

I did not record all specific contact dates with the company, however, here is the problem. I have a Master Card through XXXX XXXX which offers rewards including cash back of 1 % of purchases. My rewards points amount entitles me to about {$470.00} in cash. Starting in XX/XX/XXXX I tried to redeem the points for the cash to use to pay towards my outstanding balance. At that time the relevant web site that I logged into contained a message to the effect that rewards information is not available at this time, please try again later. I contacted the company initially in XX/XX/XXXX and I tried with the customer service rep to get me access but to no avail. At the end of conversation I was told it would be fixed soon. Well it is still not fixed as of XX/XX/XXXX. I have contacted the bank at least 10 times since XX/XX/XXXX and it is still not fixed. They keep telling me it is being worked on and wait some days and try again. I did that repeatedly which led to my calling the bank each time. Also I told the bank all I want to do is redeem the points for the cash so the website info does not matter. They told me repeatedly that absolutely no one at the bank can do that for me. There is no manual work around that exists and I am the only one who can do it and only through the website, which of course for 3 and one half months has not allowed me to do that. Supervisor XXXX who I spoke with today XX/XX/XXXX confirmed that. He could not help me other than to tell me it will be fixed which is what everyone else has been telling me for over 3 months. I am not asking for a great deal. All I want is to cash in my rewards points and apply the amount to my account balance. Synchrony has my money and will not give it to me. Please help. Thank you.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I spoke to a very nice supervisor in iowa branch, and her name is very nice lady, wells fargo is charging me a {$320.00} for my escrow account, my loans was sold to them, and I signed agreement, that I 'm not responsible for such dues, then yesterday XXXX XXXX, 2017 I received a letter from them saying I have to pay them XX/XX/XXXX, and those are not legal, when my loans was transferred to them, I 'm not responsible for what ever escrow account bills I will received. This company is taking advantaged of the loans, that they bought it, I 'm asking if this agency will do an investigation, because this amount of money is too much for me. this mortgaged company has practices, of taking advantages, of let say the loans was bought from them, the poor home owner, who do n't know anything, one day they Wells Fargo will just received a letter saying I owed them.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

To : CFPB Im frustrated. I took a call today at XXXX with a representative of Ocwen. I was informed that my home is active in foreclosure. I have been challenging and appealing the matter for almost 5 months. As of today, Ocwen reps do not have and have not resolved the original appeal. Failed to take into account that I followed instructions. Cant find the {$200.00} check I sent for the internal review. Has not addressed this letter and the rep does not even know about this letter. Wants me to do another letter modification packet with Ocwen instead of resolving this issue on the appeal. Noted that I inquired about a payoff and I did not make a request which is a fraud alert activity on my account. Please stop the foreclosure action and review the records you agreed to review and resolve the valuation appeal that has been outstanding since earlier this year. XXXX Letter To : Appeals Unit, Consumer Finance Protection Bureau XXXX RE Loss Mitigation-Loan # Last 4 digits Sirs : I disputed the appraisal and assessment in XXXX. Ive sent in a check for {$200.00} for an internal appraisal. I missed my appointment with Ocwen MondayXX/XX/XXXX, XX/XX/XXXX.
The home has water damage and suffered a burglary. The pictures of these items as well as the estimate to repair are attached. I do inhabit the home in XXXX. Please reset my call with Ocwen and my relationship manager to discuss these items. This information is true and accurate to the best of my ability.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NM)

On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for XXXX XXXX  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and XXXX XXXX XXXX. As, of XX/XX/XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. XXXX, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.