davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2015 I was in the process of secure financing to buy out my lease ending on XXXX XXXX, 2015 from XXXX XXXX XXXX. I leased my vehicle from XXXX in XXXX and recently relocated to XXXX, with the intention of purchasing the vehicle at the end of the lease. I contacted Wells Fargo Financial Services The Wells Fargo Inbound Sales Specialist, XXXX XXXX, informed me that if I went through Wells Fargo for financing, not only would they help get me a competitive interest rate, they would also take care of the title, registration, license plates, and tax payment. On XXXX XXXX, 2015 I made an appointment with the Wells Fargo Inbound Sales Specialist to finalize this loan at a local Wells Fargo branch in XXXX, XXXX where I would be speaking with a local Private Banker, XXXX XXXX. During the contract review process, I was informed that I would be financing {$15000.00} for the payoff as well as sending separate checks to Wells Fargo in XXXX, XXXX who would be taking care of the tile, registration, license plates, and tax payment directly with the State of XXXX and XXXX XXXX XXXX. The Private Banker as well as the Inbound Sales Specialist, XXXX XXXX, informed me that I would be receiving the registration, title, and license plates by mail and that I could expect these between 7 - 14 business days. On XXXX XXXX, 2015 I still have n't received the registration, title, and license plates so I contacted the Wells Fargo office in XXXX, XXXX to learn that there was an internal issue with the paperwork and that they were sending my checks back to me, where I would need to take care of all the paperwork on my own. On XXXX XXXX, 2015 I received a phone call from the Inbound Sales Supervisor, XXXX XXXX, accepting responsibility for the issue and apologizing, but that nothing can be done and that I would need to take care of all on my own. This situation has me believe that I was sold a service that was not part of the original agreement secure financing and interest by misleading me. I do have email correspondence between all parties listed above and myself, indicating that the paperwork would be taken care of by Wells Fargo.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chexsystem continues to report information on my Consumer Report after being notified its a result of ID theft and in violation of my request to block that information under FCRA Section 605B and 623 ( a ) ( 6 ). They responded that it was validated but how can an account that is NOT MINE and a result of ID Theft be validated????? I have never had a bank account in my entire life and use a payroll card for all my bills and finances.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (TX)

I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add.
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: C & M Associates Group, Inc. (TX)

A woman called and asked if XXXX XXXX was available. I told her yes and she said she was calling regarding a " XXXX XXXX that I defaulted on in 2007. '' I asked her to send it to me in writing and she stated she would not, this was a last attempt before the matter was sent to litigation. I then asked for the company information which she deflected twice and finally provided. I asked her if I was being sued and she said yes, you will be sued if you do not resolve this matter immediately. I told her any outstanding debts from my past have been paid in full. She then told me I needed to fax proof that I had resolved the debt. I asked why I would be required to send physical proof when she was unwilling to do the same. She responded that she was n't being sued. I told her I was n't going to send anything until they sent me proof first and when I tried to explain that I have a XXXX credit score she kept interrupting me. I ultimately hung up the phone.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo Home mortgage are dragging their feet sending me modification application documents .I believe they are stalling because they want foreclosure procedings to expedite that are currently in the works in XXXX.I requested modification documents weeks ago /At this pace Wells Fargo will have received their judgement through XXXX and have foreclosed and the deed be transferred before get these documents This is purposeful and placing my home at risk
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Debt Mediation, Inc. (FL)

PROFESSIONAL DEBT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Professional Debt Mediation , Inc . 
XXXX, FL XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PROFESSIONAL DEBT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried SEVERAL Times, UNSUCCESSFULLY, to receive my FREE Credit Report from TransUnion! I have tried EVERY Avenue : Online, which resulted in me having to send in copies of Bill, ID, XXXX, as well as being directed to call and told in 2-3 weeks, it will be mailed. However, I have NEVER Received any copies of my report from them, even though I have complied with the necessary requests. I have received copies of my XXXX and XXXXn reports, but nothing from TransUnion. It is Pertinent that I get this report, especially since it is my right to XXXX annually. Furthermore, it has been more than TWO Years since I last received XXXX from TransUnion. I do n't know what else to do nor whom to speak to, as getting a " Live Person '' is a joke. 

This means appears to be my only option at this point. 

Thank you kindly
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (NC)

On XXXX XXXX 2015 my XXXX Mitsubishi Truck was totaled loss andNavy Federal Credit Union financed it and I purchased GAP because theRep ex plainer that my truck if ever loss would be replaced at Bill of SalesValue. The wreck was n't my fault and they took 100 % Liabilty for the XXXX Mitsubishi. 
XXXX NFCU paid XXXX XXXX from XXXX XXXX and willReimbursed from the they 're insurance. XXXX the Claims Repfrom NFCU refused to pay me XXXX. XXXX deductible stating it was included in the XXXX. Despite GAP Claim on NFCU Website they pay up to XXXX & XXXX for replacementvehicle. XXXX also has filed a claim demanding the XXXXGAP Reimbursement from the driver at fault insurance company. 
They refused me another vehicle because of my lowcredit score- that 's not what they 're sales representativeexplained to me XXXX XXXX years ago when I Purchased GAP norWhat they 're NAVY FEDERAL CREDIT UNION WEBSITE STATES. 
I 've been without my truck for a month and they received XXXX plusXXXX.XXXX and I still have my rights violated by NFCU FRAUDULENT SALESPRACTICES AT TIME OF PURCHASE.
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Louisiana Bureau of Credit Control Inc. (LA)

This debt is in reference to a portion of rent that a former landlord says I owe when I provided the correct move-out notice and the landlord also breached my contract by entering apartment without notification ( expressly forbidden by the lease agreement ) on multiple occasions, thereby violating my privacy. 

I am contesting the actions of the collection agency, Louisiana Bureau of Credit Control located at XXXX XXXX XXXX, XXXX LA XXXX lbccinc.com XXXXThe collection company informed the XXXX credit agencies - XXXX, XXXX, & XXXX - on XXXX XXXX of a delinquent debt. However, I was not sent a letter until XXXX XXXX. On XXXX XXXX, 2015 I sent a certified letter ( USPS XXXX XXXX XXXX XXXX XXXX ) disputing the debt. 

The collection agency is required by law to notify the XXXX credit bureaus of this dispute. They did not. I visited their office on XX/XX/XXXX and was informed by the manager that they passed the dispute on the credit agencies. On XX/XX/2015 I called all XXXX credit bureaus and none of them have any data indicating that Louisiana Bureau of Credit Collections ever notified them of my dispute. 

This violates the Fair Credit Reporting Act on the grounds that 1 ) they did not validate the debt and filed it with the XXXX credit agencies XXXX months before sending me a collections letter, and 2 ) they did not forward my dispute on the credit agencies as required by law.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I 'm very frustrated with Bank Of America my husband checks are deposited by weekly and he has the same amount and they do n't want to process my husbands checks because they said to me the check images were bad but that was completely not true and then they said their is a problem with my husbands boss ' bank which is also untrue and come to find out after a 4-5 days the checks go through and the money gets deposited. I recently started working and they are also doing the same thing to me they do n't want to deposit my money until 4-5 days later during this time my bills wo n't get paid on time, I ca n't buy food because we do n't use credit cards we use our bank card or cash, my family needs to eat and buy necessary items that I ca n't buy and my babysitter is n't getting paid or my house is n't getting paid. I 'm a loyal customer to BOA and I have to pay overdraft fees every other week because BOA wo n't credit my checks to my account my over draft fees are now XXXX and counting last time I paid XXXX which happened daily. I do n't want to leave BOA but will do so if my overdraft fees are n't refunded and my checks are cleared by weekly I ca n't afford to give away my hard earned money to BOA this is n't fair to me or my family or to my bills or things I need to buy and my family is n't happy with me and wants these issues with my checks and overdraft fees resolved as I do. I never been so upset and I want to deposit my checks and BOA wo n't let me all of my coworkers are n't having this problem and my husband who is working for the same employer for more than 2 years never had a problem until XX/XX/2015- and currently. Hopefully you can resolve my issues and BOA starts checking my checks properly and never overdrafts me ever again because of you help. I do n't know what to do anymore and tirelessly called but no care in the world from BOA and feel helpless that 's why I 'm turning to you for help because I do n't know what more I can do if I know this is injustice but BOA does n't properly check their customers checks.
Consumer complaint received 2016-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Bank of America did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Bank of Americas employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OH)

Experian Credit Agency keeps sending me letters say that my information does not match ; my Social Security number does not match my name. I 've done everything in my power to prove that is does. I 've sent a copy of my Social Security Card, my photo ID, my XXXX, a utility bill with my address. I also went to Social Security Administration Building and had them verify all of my information. Social Security Department wrote a letter to Experian stating that my name matches my Social Security Number with notarizing it. And yet I 'm still receiving the same letter from Experian stating that " The Social Security number you gave us does not match the identification information in our database. ''
Consumer complaint received 2016-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: SQUARETWO FINANCIAL CORPORATION (NC)

I applied to refinance my home when I found out that CACH , LLC, has a lien against my home in my husbands name, that was filed in bankruptcy .We were discharged XXXX/XXXX/2013. this means they have been paid but wo n't take it off. The amount filed in bankruptcy was XXXX.I am not sure if you can help but maybe if you ca n't you can direct me to the right source.
Consumer complaint received 2016-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

I recently received a fraudulent collection letter from a " legitimate '' collection agency, Convergent Outsourcing, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.
Consumer complaint received 2015-05-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OH)

I keep getting getting a call from this company every day and they never leave a message, and I 'm unable to call them back and find out what they want or who they 're looking for. A message comes up that this number can not be reached. I want these calls stopped.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been making my Kohl 's credit card payments monthly for two years without miss through my bill pay at my bank. 
I see my min payment amt went up drastically this month so I called Kohls customer service to find out why. They are stating my payments have been late for over 7 months! 
They have not. Looking at my payments, I have actually paid the account in advance, plus more than the minimum due. There is a problem between the payments being sent every four weeks ( every XXXX Friday ) and the way Kohls is applying the payment. For example : The due date is the XXXX. If my bank sent payment on the XXXX one month, it is properly applied to the XXXX of the following month. 
But if my bank sends 4 weeks later on the XXXX, it does not get applied to the following month. The next month 's payment goes out 4 wks later on the XXXX, and then they say it is late and charge a {$35.00} late fee- even though this payment is early. This has been happening for over 6 months and I never realized it as I knew I was making my monthly payments for greater than the minimum. So they not only have been charging me late fees for making my payments early, but have also been reporting to the credit bureaus that I have been late when I have NOT. I am very frustrated. I am sure I am not the only consumer this is happening to. We should not be penalized for making payments early. There should be a system in place to prevent this mis-applying of payments and charging unfair late fees to consumers- especially ones like me who have been faithful in paying every single month.
Consumer complaint received 2015-06-29
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services ( collection agency ) has classified my account with them as in Default, however I have proof of payment via my HSA with XXXX XXXX XXXX that my payments which actually exceed the amount agreed upon, were in fact mailed to them within the XXXX days of last payment. Their letter is generated when payments have not been received with the XXXX days. However, I have mailed them XXXX payments, XXXX of which were within the time indicated but the agency has not cashed XXXX out of the XXXX checks or posted them to my account. I called their account specialist, who just wanted to over talk me and repeat that they do n't have my payment. I have copies of the checks that were sent to them by XXXX XXXX XXXX. Do I have any rights, even when an account is in collections to expect that my payments are accurately posted and in a timely manner? 
Thanks you for your assistance, XXXX XXXX
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

homeowner was delinquent on their loan and were protected by a C XXXX homeowners did not understand the XXXX process, they paid the XXXX plan payment but did not make their regular payments outside the XXXX plan to their lender. during this time the lender did not seek relief and allowed the homeowner to complete the XXXX plan. In XX/XX/XXXX we asked for a modification and SELECT PORTFOLIO SERVICING sent a packet and agreed to look at the client 's financial for a modification review. from XX/XX/XXXX through XX/XX/XXXX we have submitted, resubmitted the same documents over and over and have answered the same questions again and again. the client has enough verifiable income to modify the loan. SPS has been dragging their feet and lying to the client and to the housing counselor on a monthly basis. this is clearly servicer abuse and ignorance on the lender 's part. I know that they are reading from a screen and saying a lot of XXXX because they can not answer any questions about the underwriting process. we have been trying to negotiate with them for 9 months. we were told since XXXX that the modification was in underwriting then they would ask for updated information we would update them with the information and then they would punish the borrower by saying that the process was starting all over again. that 's just wrong. the lender is accepting monthly payments but keeping us in a holding pattern on the delinquency. need some action cfpb!!!