davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has been charging me overdraft fees because their system did n't post my atm withdraws from mom and pop stores until days later even though when I made the atm withdrawals, I had adequate funds to cover the withdrawals as authorized by Wells Fargo on each transaction. I am told by Wells Fargo that the problem was that there was a delay in their system.
Consumer complaint received 2016-04-16
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently accepted an offer for the GM " XXXX '' rewards card. I created an online account and enabled online billing statements as I do with all of my cards. Shortly after doing this, CapitalOne started listing the online portal as " Website Maintenance in Progress ''. I have tried to access the portal on numerous occasions over the past month but the portal has been " Website Maintenance in Progress '' every time I have attempted to access it. Given the maintenance, I can not log in to my online account to make payments, or more importantly, receive my billing statement. I was forced to make a phone payment on this account without being able to review my statement for accuracy. 

I contacted CapitalOne on several occasions via social media and email but I never heard back from them. This has been ongoing for well over a month and it is unacceptable.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

All XXXX Credit Reporting agencies allowed XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX General Number ( XXXX ) XXXX Consumer Service Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX to make an inquiry on my credit report without my permission. I also have Fraud Alerts on my Credit reports to further protect myself. A request was made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX XXXX XXXX, without my permission when they approached me about an Interest Reduction loan. I told them I would ask my wife about it. They requested a copy of my last mortgage statement so they could estimate what they could do for me. At no time was I asked for, nor did I give, permission to have them run a credit report on me. I contacted XXXX today and the representative, XXXX, stated that they are not required to verify identity unless it is a security freeze. I know for a fact that they charge a {$35.00} fee to run a report so they have something to gain by not following the guidelines. i.e., : fraud alert indicates to anyone requesting your credit file that you suspect you are a victim of fraud. When you or someone else attempts to open a credit account in your name, increase the credit limit on an existing account, or obtain a new card on an existing account, the creditor should take steps to verify that you have authorized the request. If the creditor can not verify this, the request should not be satisfied.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: LEXISNEXIS (CA)

When attempting to get cable service with XXXX, which I had had before in my previous state, they charged me a {$100.00} deposit saying my credit was n't that good which is a lie. My XXXX is over XXXX. But the agency they use, Lexus Nexus, had a report showing XXXX and had information missing, which I attempted to call them and have them rectify to no avail. I spent several hours on the phone with them over several days trying to straighten this out only to get the run around. They would never send me a credit report for me to correct their mistakes. I also disputed this with my credit card company. Lexus Nexus has the worst customer service I have ever seen. I was literally screaming at the lady on the phone to correct there mistakes and she just gave me the round around. Something has got to be done.
Consumer complaint received 2016-11-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ISIS SECURITY INFORMATION SYSTEMS INC. (MD)

This is the arrogance that I have been subjected to since trying to dispute this error. I included the proof of insurance in the correspondence dated XXXX/XXXX/2016. Make no mistake I will also be notifying Medicare regulations and XXXX XXXX about this matter. I am enclosing proof of insurance again. This is the response for Universal Collections. CFPB needs to be aware of this. Universal as usual is so busy being arrogant I guess they did not notice my proof that was sent by CFPB. Universal also seems to be unaware that the consumer has the right to request validation. 
" Response Dear XXXX XXXX, Your request for validation of the claim is curious. First you have 45 days to request validation once a letter is mailed to you. That time had passed by about 5 years once we received your validation request. But your validation request seems irrelevant since you are already acknowledging the validity of the claim. 
I will reiterate once again that if you had Medical Assistance at the time medical services were rendered, please simply provide proof of that insurance at the date of service and we will immediately expunge this record from all credit bureau files. It is really just that simple '' I have the right to request validation at any time.
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I opened a Citibank checking account in XXXX XXXX and was supposed to my XXXX bonus points after 2 months of opening it. I was told that i had to satisfy another requirement and that i would get my points 3 months after that. I emailed Citibank in XX/XX/XXXX asking about my points and then 2 more times since and was told that i would get my points on XXXX/XXXX/XXXX. That time has now passed and i still have not received my points. I believe this is deceptive and very confusing marketing, also it will be 7 months since i opened my account and i still have not received any points. That is very ridiculous and I am still waiting while they continue to charge my a monthly fee for my checking account.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

IN XXXX OF XXXX SPSERVING RESPONDED TO YOU WITH AN ADMISSION OF GUILT THAT THEY WERE NOT APPLYING MY PAYMENTS TO MY MORTGAGE AND WOULD HAVE A CORRECT STATEMENT OUT TO ME AND THAT I WAS ONLY DUE FOR THE XXXX XXXX XXXX PAYMENT. IN THE MEAN TIME I STILL DO NOT HAVE A CORRECT MORTGAGE STATEMENT, THERE ARE XXXX DIFFERENT MORTGAGE PAYMENTS AND THEY ARE STILL CLAIMING THAT I AM STILL DUE FOR THE XXXX XXXX PAYMENT. THERE IS ALSO AN OVERAGE PAYMENT OF XXXX THAT THEY ARE NOT APPLYING TO MY ACCOUNT. THE STATEMENT WILL BE ATTACHED. THEY ALSO VIOLATED THE PRIVACY POLICY ACT AND SENT ALL OF MY PERSONAL INFORMATION TO ANOTHER BORROWER. THAT WILL ALSO BE ATTACHED. MY ATTORNEY HAS SENT THEM LETTERS REGARDING THIS BECAUSE THEY SENT ME A CHECK TO PAY FOR XXXX, BUT UNFORTUNATELY THE AMOUNT THEY SENT DOES NOT EVEN COVER THE BASIC COST OF THIS PRODUCT. I AM SIMPLY NOT ACCEPTING THIS. IF I SENT A BORROWER 'S INFORMATION TO ANOTHER BORROWER, I WOULD BE FIRED ON THE SPOT AS THAT IS A TRUE VIOLATION OF PRIVACY POLICY ACT. I WAS A LOAN PROCESSOR SO I KNOW HOW SERIOUS THIS VIOLATION IS. I AM OFF WORK DUE TO AN INJURY AND NOW ON XXXX MEDICATION BECAUSE OF THIS ONGOING PROBLEM WITH MY MORTGAGE COMPANY AND I NEED TO SEE XXXX EVERY MONTH AS WELL. IN XXXX OF XXXX I SENT YOU PROOF OF ALL OF MY PAYMENTS AND MY ATTORNEY HAS THEM AS WELL. AT THIS POINT, I AM EXTREMELY DISGUSTED WITH THEIR SERVICING OF MY MORTGAGE. THEY SENT ME AN OVERPAYMENT CHECK FROM MY ESCROW ACCOUNT, SO HOW COULD I POSSIBLY BE MISSING A PAYMENT FROM A YEAR AGO???? I REALLY NEED SOME HELP HERE WITH THIS ONGOING PROBLEM. AS OF LAST WEEK, THEY ARE STILL ASKING ME TO SEND THEM PROOF OF MY XXXX PAYMENT FOR XXXX. THIS WAS DONE IN XXXX OF XXXX. I AM LOSING TRACK NOW OF HOW MANY TIMES I HAVE HAD TO DO THIS AND IS VERY DISTURBING TO ME.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan Services bought my mortgage about a year ago. Recently I have recieved XXXX notices from XXXX that my taxes have not been paid. I contacted Rushmore and they said to fax the notice. I did and then a month later I recieved another notice from XXXX saying that my taxes are delinquent. I contacted Rushmore again but they were unable to help me.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TX)

I have advised this collection agency via certified mail that this debt they are attempting to collect is not mine, but is a result of identity theft. I have never had a service with XXXX. I included all police reports and documents in the certified letter sent to this collection agency and advised them to cease and desist due to fraud/identity theft. This is NOT my debt and the collection agency must cease and desist any and all harassing collection attempts.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MD)

My grand daughter and her father asked me to sign for her student loan a private loan with Sallie Mae and another with XXXX student loans and her father was going to repay the loans when he retired but instead he died XX/XX/XXXX. I am now responsible for the mortgage which he used to pay ( in my name also ) and I suffer from XXXX XXXX and I am XXXX years old. I contacted both XXXX and Sallie Mae since as of now the loan is 30 days past due and neither will waive me because they claim only the " borrower '' can be waived due to XXXX., Sallie mae said I should pay {$150.00} by XX/XX/XXXX to defer the loan until XX/XX/XXXX as a hardship but XXXX has to call for this arrangement to be for more than XX/XX/XXXX. If she does not call it goes back up to {$970.00} per month for a {$72000.00} loan and the XXXX with XXXX is {$69000.00}. I have had no contact with my grand daughter since May and she is contesting her father 's will in court currently. I doubt that I will be able to get her to call Sallie Mae so attempting to get a lower payment seems like a moot point. I believe I will have to see a bankruptcy attorney but my understanding is this would only be a temporary relief. Sallie Mae calls my home phone every 30 minutes and says then ca n't stop this procedure. My grand daughter has not made any payments at all and I ca n't pay the mortgage without my other son 's help so I do n't know what I can do to fix this.My grand daughter did all this on her lap top I never got a copy of either contract and I just asked them to send me a copy in the mail.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2017-01-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GREAT WESTERN BANCORP, INC. (SD)

I abandoned my mold ( XXXX, XXXX, XXXX as tested by an independent XXXX company ) house in XX/XX/XXXX. The house was sold XX/XX/XXXX. The foreclosure was final XX/XX/XXXX. The mortgage company, XXXX, is reporting that I am over 180 days late from XX/XX/XXXX to XX/XX/XXXX and had a foreclosure in XX/XX/XXXX. I have filed XXXX complaints with XXXX over the last 3 years with the last in XX/XX/XXXX. I have contacted XXXX directly. They have stated their information is correct and continue reaffirming that incorrect info to the credit agencies every time I file a dispute with the credit agencies. I have contacted XXXX directly and they will not provide me any documents showing their dates are correct. According to the court documents I have, their information is inaccurate, not factual and should be removed from my credit reports.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (TX)

Received XXXX separate calls from Citibank Student over the weekend regarding a past due balance. A past due balance, that was a mistake made by Citibank Student Loans and the second time this mistake was made When my wife spoke to them, they refused to give her information, despite her being authorized. The representative was pushy, repeatedly requesting payment immediately. She did give her ID # when she spoke. She did not care when we mentioned that the past due balance was an error on the part of Citibank, still requesting payment. We asked for a call back number which she did not want to give and continued to request payment. When she finally gave it, the number to call back brought us to the system and we were informed the offices were closed. They requested personal information that did not seem secure. 
Now, we were able to call back and speak to a representative when they were open. We were informed that they had no control over when people were called and that the staff were told to call and they did so and this was their policy. 
This balance had been " past due '' for less than a week and there had been no email notification or mailing. We received an email today almost a week after the phone calls were received. Further the phone calls were over the weekend ( XXXX ) and repeated. This is excessive, bordering on harassment, especially in light of the whole situation being a result of an inability to process a check correctly and follow the directions on it for a second time.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (MD)

Hi my name is XXXX XXXX for the last three years I been trying to get a modification well they gave me one but it always was high well XXXX sold my mortgags to statebridge well I was late one month and they charges me a XXXX late fee and start talking about putting a lie on the house mean time my husband have a XXXX XXXX meant and cant work and now getting a temporary pay check until soc sec start so I sent all the paper work in for a modification and they sent me a letter saying they would not give it to me mind you my house not is XXXX I am behind 3 moths they are asking me for XXXX the lats charge are XXXX my husband XXXX XXXX from his XXXX so we could catch up until his soc sec come in but what they asking for we do n't have they are really not trying to help us I beer in this run down house for 20 years and have no where to go I WENT TO HOPE AND THEY DID NOTHING FOR ME I was told there help out were is it I pray to XXXX that you guys can help me they something fraudulent about statebridge going on even a lawyer told me so. I cant afford a lawyer right now so please help us thank you XXXX XXXX
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (AL)

I 've been a loyal customer of PNC Bank for 10 plus years. Recently, they have started charging overdraft fees for pending transactions even when cash deposits have been made promptly and prior to these transactions clearing. I even have a flexible spending account linked to my primary checking for overdraft protection. This does not matter to them. After speaking to customer service serveral times, they can not explain these overdraft fees and just state that they are valid. PNC Bank has stolen several hundreds of dollars from me in the last several weeks. Blatant theft from loyal customers or any customer for that matter is not only outrageous but disgraceful.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need the following inquiries and bankruptcy deleted from Transunion credit report. Transunion customer service would not help and take care of the negative inquiries reporting to your credit report.
The inquiries are below: 
Creditor Name	    Inquiry Date	
 XXXX	   XX/XX/XXXX   
 XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
XXXX	   XX/XX/XXXX
 XXXX	   XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	          XX/XX/XXXX
XXXX	           XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX     XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX	     XX/XX/XXXX
XXXX	      XXXX
 XXXX    XX/XX/XXXX
XXXX	    XX/XX/XXXX
XXXX   XX/XX/XXXX
 XXXX   XX/XX/XXXX
XXXX    XX/XX/XXXX
 XXXX   XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
 XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XXXX
 XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	XX/XX/XXXX
XXXX	        XX/XX/XXXX

 Bankruptcy	XX/XX/XXXX	Discharged	$0
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (SC)

On XXXX/XXXX/XXXX I received a letter fromDynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX stating I owed {$360.00} to XXXX XXXX with no date of services. Account # XXXX. I called the XXXX XXXX number on the number and spoke to XXXX. He demanded money and I had to actually shout at him to get him to stop so I could ask him some questions about this debt. He finally told me that this was from a hospital in XXXX, XXXX.and it was prior to XX/XX/XXXX. I have never been to XXXX, XXXX prior to my cross country trip in XX/XX/XXXX. I was never hospitalized in any hospital in XXXX. When I pressed him for details and a formal billing, he would not provide that, not even a date of service. But he proceeded to demand money. I am not paying for a bill which I have no idea of it 's validity. When asked if they could contact me, I told them not to call. only correspond by mail. Please get them to cease and desist as this is nothing more than a scam.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I was contacted by XXXX XXXX XXXX with a threat to sue me if I did not settle a XXXX XXXX account. Out of fear I paid the XXXX dollars and thought I was settled. They then notified me that I had a second account and that was with the attorney and being prepared to be a lawsuit. I was confused as I clearly remembered closing my XXXX XXXX account after having it stolen on a trip back in XXXX. 

I pulled my credit report and saw XXXX report for XXXX XXXX. It states closed XXXX and Paid or paying as agreed. It also states " card lost or stolen ''. The dates did not match the XXXX dates that XXXX XXXX reported, nor did it match the amount of that card. I called TransUnion and disputed this. I was told over the phone that it did not match and I should dispute the information. I did and have waited. I checked today ( was given no notice it was completed ) and it came back as verified and they also changed the XXXX settled account to having a balance of XXXX. 

I called TransUnion and have been on the phone for over an hour. They are asking me to verify that the accounts are not mine. I believe it is clear they are not mine as if I did have XXXX XXXX XXXX accounts in XXXX they would certainly show on my credit report. I have spoken with XXXX people who continue to question me about who owns this account. How can I possibly answer that? 

XXXX XXXX is also showing on my XXXX and XXXX accounts. Again, this is all with different dates and balances. The only XXXX XXXX account I have ended as " paid or paying as agreed '' in XXXX XXXX. I want the XXXX XXXX accounts deleted off of each XXXX of my credit reports as they are not accurate at all. I want the threats and the contact from XXXX XXXX to stop as well.
Consumer complaint received 2016-05-16
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XXXX XXXX accused my father of being senile and not remembering walking into a loan company and taking out a loan. They threatened to take him to court and spoke to me abusively and disconnected the call. When I explained this was a mistake and not to accuse my father of something he did not do, the representative said my father was guilty until he can prove he did n't take out the loan. I was also accused of crying, which I was n't. The representative spoke over me, made threats and hung up. My father is XXXX years old, but not senile. However speaking to a person with such tactics would very likely cause harm to my father 's health.