davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (UT)

First Financial XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX is a collection agency purportedly attempting to collect a debt for XXXX XXXX XXXX XXXX, XXXX, address, city, and state unknown. XXXX XXXX purportedly purchased debt from XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, UT. 

Consumer/patient was covered by a XXXX insurance policy. XXXX XXXX was contracted as a preferred provider of XXXX. Consumer/patient obtained services on or about XX/XX/XXXX from XXXX, who billed XXXX, and received reimbursement pursuant to the contract between them. In accordance with the contract, balance billing is prohibited. In correspondence to XXXX, XXXX indicated the payment and contractual allowance amounts. XXXX further indicated the patient had no responsibility for co-pays, deductibles, etc. XXXX therefore received payment in full from XXXX, in accordance with their contract. 

Notwithstanding payment in full, and instead of adjusting the remaining amount as the agreed upon contractual allowance, XXXX instead claimed the consumer/patient owed {$1500.00} and purportedly sold this debt to a different creditor, who then employed the services of the collection agency. 

On or about XX/XX/XXXX, collection agency sent consumer/patient an " Account Summary '' claiming to be acting as a collection agency on behalf of XXXX XXXX XXXX XXXX XXXX. They provide no other identifying information for XXXX XXXX. No address, no phone number. 

On or about XX/XX/XXXX, consumer/patient sent collection agency a request to provide the name and address of the current creditor, the same for the previous creditor, supporting documentation providing a valid basis for the claim, a copy of the last billing statement sent by the original creditor, proof of state license to perform debt collection within my state, and proof of state license to perform debt collection within the state they're based. 

On or about XX/XX/XXXX, collection agency responded, but failed to disclose address and phone of current creditor, failed to provide copy of last billing statement from original creditor, failed to provide proof of license to perform debt collection within my state, failed to provide proof of license to perform debt collection within the state they're based. Collection agency appeared to provide a copy of a lab order listing various charged and allowance. Collection agency provided a copy of a patient acknowledgement admission summary, with a section titled " financial arrangements ''. 

On or about XX/XX/XXXX, collection agency submitted a false and derogatory credit report to one or more credit reporting agencies. Said report was submitted less than required 30 day waiting period for consumer/patient to dispute debt. 

Consumer/patient asserts XXXX, XXXX XXXX, and First Financial breached the terms as stated in the financial arrangements section. Consumer/patient further asserts that XXXX received payment in full from XXXX, in accordance with the contract between the two parties.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

XX/XX/2018 I tried to get a temporary release of a freeze on my credit report with Equifax. 
It took XXXX or XXXX tries over XXXX minutes or so on their website to get to a pdf with the release code. The one time pdf did not open. I was asked on the webpage to call a number. 

After several questions, I was asked to submit ID by mail. I asked to speak to a supervisor. After XXXX min on hold, I worked through the same list of questions again and was told " I passed '' and that they would send on something - whereupon they cut off the call. 

After XXXX or so minutes of my time wasted by incompetence, I still don't have the temporary pin to release the credit freeze. 

For comparison, the process with XXXX on their website took about less than XXXX minutes total.
Consumer complaint received 2018-08-03
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: EQUIFAX, INC. (AL)

1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
Consumer complaint received 2018-08-03
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. (AL)

1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
Consumer complaint received 2018-07-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ameritech Financial (IA)

I got involved with Ameritech Financial to consolidate and repay my student fed loans and participate in the PSLF loan forgiveness program. I was deceived by Ameritech Financial who also has involved the XXXX XXXX XXXX XXXX who I have found is taking my money ... .not paying my fed loan at all. XXXX is also taking part in deceptive practices and I would like a full refund. 

Since finding out of these deceptive practices from the FTC, this is the reason for my complaint. I have also contacted XXXX on XX/XX/18 and was able to leave a message stating to cancel my account. issues a refund and stop all future payments. I have not heard a reply yet.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

My home loan servicing company changed. The loan originated with XXXX XXXX  and was changed to Flagstar effective XX/XX/2018. I received a notice from XXXX, who has been my homeowners insurance company, on XX/XX/2018 saying that the mortgage company did not pay. Just now on XX/XX/2018 I called Flagstar to ask if they would be including my insurance payment when I start payments. I was transferred to their insurance department and phone rep., XXXX, who stated that they did not have knowledge of my loan and that they did not know when they would have it.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last XXXX digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP (VA)

We filed a loan modification application which was deemed complete on XX/XX/XXXX. Per XXXX XXXX, they required thirty days to review the application before a decision was to be made. Mind you we have gone through this process with this bank before ; however, this time it was different because we clearly had a hardship -- we had to file bankruptcy on XX/XX/XXXX to save our home. Once the file was deemed complete, I contacted them at least once a week for the next thirty days to see if a decision had been made. On or around the end of XXXX, I contacted Sterling and spoke with XXXX XXXX. He was handling our modification. He told us it was denied because we failed to demonstrate a hardship ( basically our gross monthly income to mortgage ratio was at 26 % ). According to him, our ratio needed to be 31 % or higher. During the time our modification package was being reviewed, my husband lost his job ( document attached ). We decided to appeal and we had until XX/XX/XXXX to submit our appeal. The appeal required an appeal letter, along with the supporting documentation to support the appeal. I sent three documents 1 ) the appeal, an updated financial statement, and a copy of the lack of work letter. 
Sterling received these document on XX/XX/XXXX, and told me that they had 30 days to review the documents before a decision was to be made. Again at least once a week, for the next thirty days, I contacted them to get an update. Yesterday, on XX/XX/XXXX, I contacted Sterling again, and spoke with XXXX ( who handled our appeal ). She told me again they were upholding their original decision because we failed to show a hardship. She told me that when she  prepared the file, she removed my husbands salary, took our arreage and put it on the back end of the mortgage and moved it out from 360 months to 420 months. She also took into consideration my monthly gross income ( {$10000.00} ). Our mortgage payment is {$5000.00}. If you divide XXXX by XXXX, you get 49 % which is clearly HIGHER than the 31 % which is what Sterling considers the hardship minimum. 49 % ratio would qualify as a hardship under their own guidelines, but she told me that the " committee '' looked at the whole entire situation since XX/XX/2016 when we first fell behind on our payments. We fell behind because we have an ARM and our rate adjusted which DOUBLED our mortgage. My issue is that they have changed their rules and now I feel that this is personal. If the guideline says that 31 % or higher is what they considered to be eligible for a hardship and our appeal showed that the lost of income put us at 49 % then we should qualify. They have to apply the same rules to all applicants. This decision to uphold their original decision is purely a violation of their own rules and I would like the CFPB to look into this.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MI)

This is a complaint against AFNI and XXXX. They are both reporting a debt on my credit report that is not owed. I have a letter stating that they removed the amount. It has bot been removed and I have contacted them and disputed it several times and its still not removed from my credit report.
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I opened a XXXX XXXX Credit Card account in XX/XX/XXXX. 3 months later when the company didn't credit me the correct amount of rewards that they advertised when I opened the card and after having a bad customer service experience, I requested that they shut down my account because I won't be dealing with their company anymore. And so the account was shut down on XX/XX/XXXX, and I shredded my card and obviously never used it subsequently. 
Months later in XXXX, I receive a letter from them saying that I have late fees on a charge that was made on this account from XXXX XXXX XXXX 's on XX/XX/XXXX for the amount of {$27.00}. A charge that I never made! To even double check, I reviewed my order history at XXXX XXXX XXXX XXXX and I didn't find any orders that were made on that transaction date or for that amount. 
I contacted TD bank 's customer service to dispute the charge amazed at how somehow the card could still be charged even after the account was shut down?! They let me know that the charge will be disputed. 
Today on XX/XX/XXXX, I received a letter saying that after investigating the charge, they determined the charge was valid and reversed the credit on my account because apparently the shipping and billing of the charge were my address. 
But I never purchased anything on that date or for that amount or even mistakenly received anything from the dept. store!!! 
And It's their mistake for allowing a charge to be made on a closed account and they refused to transfer me to the fraud department. 

I had this card for all of 3 months and I never as much trouble with a credit card as much as this one or dealt with such an incompetent customer service!!
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (NJ)

I resolved some medical debt with other creditors with the help of XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. I received notification that the debt was discharged and removed from the credit report and now I am receiving harassing phone calls from XXXX XXXX XXXX requesting payment of {$720.00} for account number XXXX and {$170.00} for account XXXX and Debt Recover Solutions LLC for {$430.00} for account number XXXX. The original creditor with whom this was resolved is XXXX XXXX XXXX XXXX. I have advised both of these agencies these matters have been resolved and still they continue to call and harass me. I have requested that they send the validation of debt and they refuse to do this and say that they will not send more than what they have sent in the mail which does not state anything regarding any new debt and only lists debts which have already been resolved.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store. 

A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full. 

The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.
Consumer complaint received 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (CO)

Work for 5 months with loan officer to get a Bank statement loan. I was quoted 7 to  7.5 % interest, high for this market but I am self employed. I was told she would wait to lock in a lower than 7 % as there would be some better deals around XX/XX/XXXX.The lenders final interest rate on the final disclosure was 8 % I was told due to a credit line from XXXX that stated last reported XXXX which upon my own investigation is a typo on the XXXX report . I closed my loan and while signing the papers, was told I was buying down the rate from 8.25 % to 8 % for {$750.00}. I was never told in any disclosure or even verbally anything about a 8.25 % rate. I, the title agent and my realtor were shocked. I had to close today as the seller was also in contract on another home and moving to XXXX tomorrow. This hole deal felt wrong, but I needed to complete it as time ran out to pursue other avenues. I feel I was baited and switched and completely taken advantage of by this Mortgage company. Please help us to make sure this doesn't happen to anyone else. 
Thank you
Consumer complaint received 2018-08-03
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: GRANITE STATE MANAGEMENT & RESOURCES (NH)

My student loans that have been rehabbed are being report twice on XXXX and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih Granite State Management. So its 12 on each report. XXXX will not let me dispute this at all because I dispute back in XX/XX/2017 about the amount owed. 
This problem is sinking me. I need help. Other than this my credit is in very good shape.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NV)

Without and prior notice my mortgage payment went from {$770.00} inXX/XX/2018 to {$780.00} in XX/XX/2018. I called Pen Fed Mortgage Company this morning and was told that the payment had been increased by a decision made by the company in XX/XX/2018. I was told that the escrow payments were increased and that the new amount was due to tax and insurance increases. I asked the lady whether the company bothered to send a notice of increase and she said that there was no notice sent on record. I am totally bothered by the fact that this company can just raise the amount collected from direct deposit without notifying me of any increases.
Consumer complaint received 2018-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is blocking me from being able to continue being attached to XXXX. XXXX is an app that does " round up your change '' functions and daily transfers from your main bank to a online savings account so that i do not spend the money. 
It was working wonderfully for weeks and now its unable to connect. I have contacted both XXXX  and capital one 360 and the situation still hasn't been fixed. As per XXXX, capital one is the reason I can not connect.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to a restaurant on XX/XX/XXXX and gave my Bank of America credit card to charge {$27.00} to pay my bill. The owner swiped the credit card but came back to say that it didn't work. So I paid by cash and left. I did not ask for a receipt because I didn't feel the need to keep the receipt. Later I saw the charge of {$27.00} on my credit card. The restaurant is not willing to refund. 

I disputed the transaction with Bank of America on XXXX asking for the a copy of my signature on the credit card bill, since I never signed it, which is required by law on any amount greater than {$25.00}. 

Instead of asking the vendor for the proof of my signature, BOA asked me for proof of alternate method of payment on XX/XX/XXXX. My case was closed on XXXX. After explaining that the burden of proof doesn't lie on me but on the vendor and the bank because I can not be charged for something I didn't sign, the bank representative and their supervisor said that they can not do anything. She said on record that Signature is not needed for any amount for credit card use. She said there is no other escalation/remediation process with Bank of America. 

I should not be liable for a charge I didn't sign. Unless the bank can provide me a copy of the credit card bill with my signature, they must cancel the transaction from my credit card and refund the amount. 

I have no other alternative left but to come to CFPB with a hope that Banks can not do what they want and break law without consequences. 

Thank you.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.