davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (MD)

On XX/XX/XXXX I submitted a Hardships Assistance package to Arvest Central Mortgage Company ( ACMC ) for consideration of a modification of a XXXX loan. 

I received a call on Thursday XX/XX/XXXX at XXXX from XXXX who advised me that my submission was denied. I was given a generic reason that based on the information that I submitted I was not eligible. I requested a more specific reason, but XXXX provided me the same response again and informed that there is no other reason. I asked to speak with the underwriter who made the decision and was placed on hold. Then the call subsequently disconnected. 

I called back that same day around XXXX and spoke to XXXX who advised that she would email the underwriter and her supervisor to call me. 

I received a call Friday XX/XX/XXXX at XXXX from XXXX, a team lead, who informed me that my information was submitted into a tool that issues a value of either 1 or 2. I received a 2 and that means denied. XXXX informed me that beyond that, there is no other information that can provide further detail to explain why I was denied. I asked to speak with the underwriter and, after being placed on hold several times, XXXX advised that the processor, who she explained is the same person as the underwriter, is unable to provide me any additional information about my denial. 

It's a disservice to customers to not provide a clear reason for denial. XXXX offers an appeal option, but without knowing the reason behind a denial a customer would not know what is appeal worthy. There should be more transparency to better service the customers. 

I asked XXXX for various values used in my review. She informed me of my income which used a weekly calculation based on the average of 2 paystubs. My hardship is due to fluctuating income. Using a weekly calculation substantially overinflated my income as it didn't account for low periods. I asked for the rationale behind the calculation and why a year to date calculation wasn't used, but XXXX could not provide an answer. 

I submitted an appeal on Monday XX/XX/XXXX to dispute the income calculation used by the processor/underwriter. I explained that a year to date calculation would account for the fluctuations in my income and provide a more accurate value of my monthly income. 

I'm submitting this because I believe that XXXX needs to provide a better service to their customers requesting hardship assistance. Also, their credit policy for income calculation should be scrutinized and reviewed as they may be using incorrect methods to calculate income with no rationale which could subsequently result in denying eligible borrowers of retention options. 

Additionally, I would like further detail on the reasoning behind my initial submission for assistance along with a rationale behind using a weekly calculation for my monthly income. 

If possible, please include XXXX XXXX ( XXXX ) as party in this CFPB submission. XXXX is the investor of my loan and I would like them to be aware of how their loans are being serviced.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2017 I received a letter from XXXX  ( see attached ) that my store credit card was to be closed due to " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' I immediately called the customer service number provided, but an answer to my question could not be provided, XXXX XXXX customer service said I had excellent credit history with them, and that I should contact Capital One. I have never opened a Capital One card, so when I called Capital One, they could not provide me with any answers either. I've checked all XXXX credit reporting agencies, and none list a Capital One account in my name. A few years ago I believe an ex-boyfriend opened a Capital One XXXX card in my name WITHOUT my permission and may have used that card illegally. I have tried to contact Capital One regarding this ( see attached letter ), however I have not received any contact or resolution from Capital One regarding this issue.
Consumer complaint received 2018-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (TX)

This company is on my credit report for a XXXX bill that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report.  On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX  hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: F.H. Cann & Associates, Inc. (MO)

I received a consolidated student loan during my years as a student at XXXX. I repaid the loan balance in XX/XX/XXXX or XX/XX/XXXX. In XXXX I received a notification from a debt collector saying I owe XXXX  {$200.00} for a Perkins loan. I had not ever received a notification of this debt prior to XX/XX/XXXX, plus they had added interest to it. I sent a letter to that debt collector and said this is not my debt. They sent me back a statement that I had signed back then in XX/XX/XXXX for the {$200.00}. However, I rightly assumed that all my student loan debt was repaid. No proof was provided that this {$200.00} was not included in what I repaid back in XX/XX/XXXX or XX/XX/XXXX. Plus they've added interest to it and added this debt to my XXXX Credit Report. Is this legal? How can these collectors,  on behalf of the Dept of Education try to collect a debt from 26 years ago that they have not proved is valid? Plus XXXX is known for sloppy record keeping in the past. It is my contention that the information provided by them is inaccurate. I want to debt removed from my credit report and for collectors to stop pursuing me for it. Thank You
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (VA)

First, have someone more knowledgeable respond to my complaint. I have re submitted my initial complaint for that very reason! I asked that they provide validity ... .who ever responded didnt read the complaint or reach out for more information from XXXX . If I have to seek legal action, I will as this seems like it was fraudulently placed on my credit report. The attached response is the most unprofessional one that I have ever seen. This is not resolved and I am not done until it is. Do not place items on consumers credit reports if you cant properly verify the debt is even valid as Its against the law to do otherwise. If they did their research they would see that I did cancel services due to XXXX dispatching police to the incorrect residence on more than one occasion. I have XXXX   XXXX  children, which I also notified them of when I informed them that I was canceling the service. 

If this doesnt get corrected ASAP I will contact an attorney with the FTC to have the entire company investigated. 

I belive that this debt stemmed from a XXXX  security system that I had installed into my home in XX/XX/2015 after my parents ( who were also customers ) referred me to them. Less than 4 months into having the security system my alarm was triggered and the police were dispatched. Although this was a false trigger, I was livid to realize that due to inaccurate information that XXXX had in their database, they sent the police to MY PARENTS HOUSE, instead of mine. I immediately voiced my concerns over this issue but it continued to happen even though the " updated '' their systems every time this happened so I cancelled service the same year of having it installed. It was a meaningless security system if they continued to dispatch emergency assistance to the wrong address of call the incorrect numbers. I am not sure why this is being reported on my credit report but it needs to be removed asap. I did not receive and form of written communication from the debt collector that is reporting this false information, if i had I definitely would have disputed this. Both my parents and I have been more than dissatisfied with the " service '' that XXXX  provided.
Consumer complaint received 2018-06-27
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. (VA)

I am writing to challenge TransUnion 's reporting, compliance and investigation on accounts with XXXX XXXX that are listed on my credit report. Multiple items of incorrect and incomplete information exist and TransUnion 's results into the most recent investigation indicated that the information had been verified with XXXX, despite logic and evidence to the contrary. 

XXXX Unsecured Installment Account : On one XXXX XXXX account ( an Unsecured Installment Account ), TransUnion/XXXX is reporting, inaccurately, the Date of Last Activity as well as the account having been Included in Bankruptcy. '' This account was a loan for {$7600.00} opened in XXXX and paid in full in a timely manner a couple of years afterward. TransUnion is also reporting an inaccurate Last Payment Made on XX/XX/XXXX and Date Closed on XX/XX/XXXX. This installment loan was opened in XXXX and paid in full in the late XXXX or early XXXX. Simply by way of logic, no installment loan for {$7600.00} has terms that would allow payments to go on for XXXX XXXX as this is being reported by TransUnion and XXXX. Additionally, TransUnion and XXXX continue to fraudulently re-age this account so that it continues to appear on my report many years after it should have been removed. 

XXXX Line of Credit : TransUnion and XXXX is also reporting another XXXX XXXX account as Account Included in Bankruptcy and Date Closed on XX/XX/XXXX. However, they continue to report a Last Payment Made on XX/XX/XXXX. This doesnt even make sense a payment made on an account that had been discharged through Chapter XXXX Bankruptcy nearly over a year prior? No payment was ever made to XXXX beyond the date my Chapter XXXX Bankruptcy was filed in XX/XX/XXXX. Again, TransUnion and XXXX continue to fraudulently re-age this account with inaccurate information. 

XXXX Credit Card : Another XXXX XXXX Credit Card account is inaccurately being reported as opened on XX/XX/XXXX. This account was not opened in XXXX. 

TransUnion and XXXX are reporting incomplete information on all three of the above-referenced accounts as the account numbers are all being reported as XXXX. 

Finally, each time TransUnion/XXXX purport to have verified this information, it has prompted inaccurate reporting as though my account with XXXX has fallen delinquent XXXX and that I have just recently filed a new bankruptcy or a tradeline bankruptcy as being reported by XXXX. Each time this has happened, I have received notices that my credit score has been negatively impacted - sometimes by dozens of points.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I was one of many that their information was obtained due to the Data Breach. I received the letter from Equifax stating this and now my INFO is being used. I have noticed numerous inquiries that I myself have not made and I have not been made aware when my credit report is being accessed.
Consumer complaint received 2018-05-27
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. (TN)

I am writing this letter to you regarding the service that I received from the credit reporting bureau Transunion. Beginning in XX/XX/XXXX, I have been working with Transunion Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Transunion Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 

Certified letters were delivered to Transunion on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Transunion several letters demanding that the accounts be verified per the FCRA. In their response to me ; Transunion has stated that the accounts have been verified and updated. However ; Transunion has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 
I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Transunion dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Placed for Collection XXXX XXXXXXXX XXXX XXXX XXXX Paid Collection XXXX XXXX XXXX Unpaid Balance Charge Off XXXX XXXX XXXX   XXXX Acct. Sold to XXXX XXXX XXXX XXXX XXXX XXXX Placed for XXXX XXXX XXXX XXXX XXXX Placed for Collection
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (ME)

Mortgage through Ditech, closed XX/XX/2017, this month received an " escrow shortage '' in the amount of {$3000.00}. Contacted both city officials and mortgage company, it appears mortgage company using wrong tax information but clearly stated on the city website expected amount/assessed value. mortgage company blames city, city saying this is false. In the interim my monthly payments expected to increase {$500.00}, able to negotiate this down to increase of {$300.00} over next 36 months to make up for both shortage and rate increase. Will potentially have to sell, live on very tight, income.
Consumer complaint received 2018-05-27
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: AMERICAN EXPRESS COMPANY (NY)

I applied and was approved for the American Express Business Platinum XXXX point offer via a mailing offer for my XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I met both terms within the directed time period and was awarded the points. 

I applied and was approved for another American Express XXXX XXXX XXXX point offer via a mailing offer for my XXXX XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I meant both terms within the directed time period and was awarded the points. The offer terms are attached. 

At the end of XX/XX/XXXX, American Express conducted a financial review and stated that because I previously had an American Express XXXX XXXX XXXX, I was ineligible for the second and third bonus I was awarded and they redacted the XXXX points I earned. No where in my offer terms for the mailing offers I signed up with did it include a " once in a lifetime '' award term. American Express refuses to review the offer terms I scanned that were included in the mailing offer.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX, check submitted to Capital One, credit department XXXX, NC. I called to ask for an address to send check that was not a post office box and they gave me this address Capital One, attn Payment Processing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and I sent a check to them in the amount of XXXX to pay account in full with refund to me. As of today, XX/XX/XXXX the check can not be located by capital one credit department. And the credit department employees, and managers don't seem to give a darn about a check that is floating around somewhere out there. One manager named XXXX accused me of not sending check. I called title company that issued check and told them that first check lost and to reissue another check. I now have the new check in the amount of {$8400.00} to send to replace the old check. I want to send the new check registered mail, signed receipt returned to me so that if check is misplaced again, I have a way to track check to see if delivered. I am being told that checks go to payment processing center and they have no live person at capital one credit department in XXXX NC to receive and sign for check. Since the first check was misplaced I and the tile company want capital one to give us the name of person to receive and sign for check they refuse need help will hold check until I get a name and address of the person that is willing to sign for check so that I have a way to tack that check was delivered and stop charging interest on this account because after XX/XX/XXXX whencheck was sent ant it was lost no interest should be charged from that date forward to now thanks you need help immediately as interest charges go up daily with these guys
Consumer complaint received 2018-05-27
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. (TN)

I am writing this letter to you regarding the service that I received from the credit reporting bureau Experian. Beginning in XX/XX/XXXX, I have been working with Experian Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Experian Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 


Certified letters were delivered to XXXX on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Experian several letters demanding that the accounts be verified per the FCRA. In their response to me ; Experian has stated that the accounts have been verified and updated. However ; Experian has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 



I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Experian dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXXXXXX XXXX XXXX XXXX Paid Closed/meets requirement FCRA XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX Purchased by lender XXXX XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA