davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

We are notifying CFPB I ca n't just sit back and do nothing.. In lieu of the issues that have occurred with XXXX XXXX, it is clear that I must report the issues I have had with Citizens Bank. We are reporting about a monthly withdrawal that we never signed for or approved of and have been complaining about it for over a year. We finally just switched bank accounts ( after 36 years ) and were waiting for the our account to be credited - then you debited the money again. We thought that the $ XXXX month was a small amount, but if Citizens Bank was doing a similar scam with EVERY account it dealt with, it could be millions in fraud. In fact I will also make a fraud claim.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Double reported student loan debt and incorrectly reported a late payment on one loan during the time of Covid forbearance. It is impossible for the loan to have been late, no payments were due. Occurred on one of many instances of the same student loan.
Consumer complaint received 2016-10-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

RE : Case XXXX, the terms of the County of XXXX XXXX recorded " FULL RECONVEYANCE '' by XXXX XXXX XXXX, the legal counsel for Bank of America as part of the solution of the above mentioned Case, are unaceptables by XXXX XXXX XXXX, due the stated full enforcement to collect the debt, even this second mortgage loan ending in XXXX has been discharged in Bankruptcy Chapter XXXX. Case XXXX, and Bank of America Bankruptcy Team @ XXXX XXXX XXXX XXXX. XXXX XXXX CA was properly served on XXXX and XXXX 2015. The Bank of America counsel is violating a federal law order trying to fully enforcement in collecting an already discharged debt by Chapter XXXX and surrendering secured real property procceding. " XXXX XXXX XXXX '' the Bank 's legal counsel, wrote in the recorded " Deed of Reconveyance '', that this legal instrument is solely for the purpose of release the lien of the Deed of Trust of the XXXX XXXX XXXX described real property, currently in active process of Short Sale as Foreclosure Alternative and the expected Collection Effort by " XXXX XXXX XXXX '' is totally illegal As Is in the recorded " Deed of Reconveyance '' before the Authority of XXXX XXXX XXXX.
Consumer complaint received 2017-02-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, 2017, I went to the Bank of America branch at XXXX XXXX XXXX, XXXX to deposit {$20.00} into XXXX of my sons bank account as a gift for XXXX Day from his mother and father. 

He lives in XXXX and there is a problem with mail theft in his building, so we do not mail him anything of value. 

Bank of America would not let me deposit the {$20.00} into his account unless I allowed them to copy PII ( my driver 's license ). I did show them my license. 

I have no association with the Bank of America and have no reason to allow them to copy personably identifiable information that may be used for non-security purposes or lost. 

Is there a federal law or regulation that allows a bank to mine information when XXXX is making a deposit of funds that is under the {$10000.00} amount?
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

According to the original agreement for my students loans ( and the information on Pennsylvania Higher Education Assistance Agency website, FedLoanServicing ), I can choose which of my two loan payments receives the greater amount of money after satisfying the minimum due each month. As a XXXX veteran with increasing physical ailments who is finding work difficult, I attempted to pay down my unsubsidized loan. I tried to use their online distribution box to do so, but the boxes are fake and do not allow me to split the amounts ( I 'll attach a screenshot ). On XXXX/XXXX/16, I applied {$500.00} extra via the online site in the belief they would at least divide the amount equally between both loans. They did not, instead paid the larger amount towards the subsidized loan. I called customer service and was told to specify the loan number and " Sequence XXXX '' on the check, to make sure my extra payment would go to my unsubsidized loan. I did so and again, they failed to apply the second {$500.00} as directed on my check cashed on XXXX/XXXX/16 and instead split the amount, paying more to the subsidized loan, in direct opposition to my instructions. Normally, I could send a copy of that check but the company destroyed it and instead sent an electronic notice to XXXX XXXX XXXX, which I will attach. I have written them to correct the billing immediately before I take legal action. I intend to send this to XXXX XXXX, President Obama, Representative XXXX, XXXX XXXX, XXXX XXXX, and in the hopes that they will investigate Fed Loan company for fraud. I also need help in moving my account to a reputable company. Thank you for any assistance you can provide. -- XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Siwell Inc (CA)

Capital Mortgage received a payoff request on XXXX XXXX from XXXX XXXX and did not process my request until XXXX XXXX causing additional cost to my loan. 
I 'm not sure why it took Capital until XXXX XXXX to process my payoff request when it was submitted on XXXX XXXX with my authorization. The additional prepaid interest cost on my loan is {$1100.00} as opposed to {$57.00} if I had closed on XXXX XXXX as planned. Now I have to close an FHA loan in the middle of the month. XXXX XXXX XXXX has generously offered to pay for my interest owed to Capital Mortgage until they can pay loan off. Capital Mortgage should be responsible for charge applied to my loan for missing the payoff deadline of 10 days. 

In addition, Capital Mortgage charged me an extra 2 months of PMI of which they have credited now however If I did n't call this out they probably would not have credited me the amount of {$350.00} x XXXX.
Consumer complaint received 2016-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

For over two months, we have gone to the website, XXXX, to try to pay off my son 's Perkins Loan. First 2 times I called and was given various info but wouldnt ' let me pay the loan payment because it 's my son 's account - I 'm his mom and I 'm on the loan papers ( which is ridiculous since I am giving them money, not trying to take it out! ). Secondly we can not get online because after 2 months, we still keep getting error messages ( see below ) that either tells us either the account is no longer with them ( but they do n't say where, why, what, anything ) or most of the time it still says it 's not available but try back later. So we mailed the payment in - it took 4 weeks to get credited for our payment XXXX XXXX for XXXX XXXX payment but posted XXXX XXXX ( it went to XXXX, XXXX, but the check is payable to XXXX, XXXX - we live right next to XXXX in XXXX, XXXX, but we ca n't take it there just to pay it faster, they wo n't take it ), then they submit that payment as a late payment to the credit agencies! We again have tried to call and pay or pay on the website but the hours are only XXXX-XXXX ET, Monday through Friday. During that time period we both work, and can not call them ( my son is in a XXXX, I work for the XXXX leaving the house at XXXX XXXX. and getting home anytime around XXXX XXXX. ) except the few times we tried to call at about XXXX XXXX, we were either put on hold forever or no one answers at all! When we try to pay online and it continues to indicate ( still after 2 months ) try back later? Now we have to mail it in again ( now it says a different company owns them - a XXXX company - ECSI? ) and now it will take them another 4 weeks to post and we will again get credited as a late payment! This is so frustrating! We have no answer why we ca n't pay online, and every time we call, either I get a road block or my son ( its his loan ) ca n't get someone to answer the phone. All we want to do is PAY THE LOAN OFF! and they are making it impossible and ruining credit scores at the same time!
Consumer complaint received 2017-11-09
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: CITIBANK, N.A. (VA)

In a letter to Macy 's dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to Macy 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX, XXXX I noticed a " Miscellaneous '' debt in the amount of {$470.00} to my checking account with The Huntington National Bank. I immediately called the customer service hot line and spoke with a representative. The representative said she could not see what the charge was, but it looked like it had been initiated at a banking office. She stated that since the charge was still in pending status that I had to wait for it to clear before I could find out what it was. The morning of XXXX XXXX, XXXX I looked at my bank balance and the charge listed as " OD Recovery ''. I went to my local branch office in XXXX Ohio, XXXX XXXX location to find out what was going on. The man I spoke with, XXXX XXXX, made a phone call and after several minutes informed me that it was Huntington that took the money out of my account. It was supposedly to pay off a closed account from XXXX that charged off in the amount of {$470.00}. This money was taken out of my current checking account, without warning/notice. I received no notification that this was going to take place. I was given no chance to investigate if it is even a factual/legitimate debt that I owe. Furthermore, I have check written on that account that will now bounce or withdraw my current account. The banker that I spoke with, XXXX, said they had been trying to take the money out of my account for years and now they " finally got it ''. When I asked him why I was n't notified that I was going to be withdrawn from my account, he said I will be receiving a letter, after the fact, of course. When I asked him what I was to do about the checks I have outstanding on my account, that I had the funds to cover, until this morning when they took money out of my account without permission, he said I should turn to a church.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I filed a formal complaint against Wells Fargo on XXXX XXXX. Wells Fargo sent me a letter saying they were investigating my claim and would get me an answer by XXXX XXXX. It is now XXXX XXXX and I have never received anything else from Wells Fargo. I have since been forced to file Chapter XXXX Bankruptcy to prevent them from foreclosing on my home. My mortage is 36 % of my gross monthly income, my loan originated before XXXX of 2009, my sister had XXXX and lots of medical bills so I have a real reason for hardship. I have been trying to get assistance from Wells Fargo for almost 18+ months now. I was hoping that they would do the right thing since they knew the CFPB was looking into this, but they are still giving me the same old run around. Wells Fargo is lying and trying to say that I have a lot of equity in the house and that is the reason they are denying me. Is this a valid reason to not give hardship assistance? I had an independent appraisal done and it clearly shows that there is not much equity. Please help me get what I deserve. My only source of income is housing international students and if I have to give up my home, then I will not be able to survive. Wells Fargo told me to get behind on my payments or they could not help me, they have changed relationship managers on me multiple times and now they are trying to deny me saying I can just sell the house and get my money out, but I do n't feel like I should have to move and I would not get enough money out of the sale of the house to survive. I implore you to please make my file a priority. I am not looking for charity. I am just looking for what I qualify for.
Consumer complaint received 2016-10-06
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FIRST US CAPITAL LLC (NY)

Has left numerous voicemails on my and another person 's phone saying that I have a claim filed under my social security and threatening to take legal action. Were never able to tell me what it was for. The callers name is XXXX XXXX. After that, started receiving calls from XXXX and XXXX XXXX. The callback number was always the same. And still called 3rd party about my personal affairs and left voicemails. The number is : XXXX they say that they are calling from first U.S. Capital
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Unproven and unverifiable result of aggravated Identity theft - as per US Code 1028A- this must be deleted from my personal cedit report immediately! 

Based on the information you provided, our records indicate your personal information was impacted by this incident. 

CFPB REASONS This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

To : Portfolio Recovery Associates , LLC Request for Debt Validation and Cease Communication Account Number : XXXX Original Creditor : XXXX XXXX  Balance : {$23000.00} Dear Portfolio Recovery Associates, I am writing regarding the above-referenced account that you have placed in collections. Under my rights granted by the **Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c**, I am formally requesting that you cease all communication with me regarding this debt, except for the purpose of providing proof of the validity of the debt. I am also requesting a complete validation of the debt, as required under **15 U.S. Code 1692g Additionally, I believe this debt may be inaccurately reported or otherwise mishandled by your company. If you can not provide proper validation of this debt, I request that you immediately remove this collection from my credit report and cease all collection efforts. 

Please provide the following : 1. **The original signed agreement** or contract from XXXX XXXX  showing my obligation to pay this debt. 
2. A **full accounting of the debt**, including the original balance, any interest, fees, and charges that have been added since the date the debt was sold to you.

3. **Proof that your company is authorized to collect this debt** and that it was legally sold or transferred to you.

4. The **date of last activity** on the account, including any payments made, to confirm whether the statute of limitations has expired.
As per **15 U.S. Code 1692c**, I also request that you cease all communication with me, except to provide the requested documentation. Furthermore, any attempts to report or continue to report this debt to the credit reporting agencies while it is being disputed or without providing proper validation is a violation of federal law under the FDCPA. 

If you are unable to verify this debt, I request the immediate removal of this collection account from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ) and an acknowledgment of the removal in writing. 

Failure to comply with this request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and legal action, if necessary. 

Please respond in writing to the address above within 30 days of receipt of this letter.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (NC)

My mortgage was paid in XXXX XX/XX/2016. I was due an escrow refund of over {$2100.00} no later than XX/XX/2016. It has not arrived as of XX/XX/XXXX. I am told it was mailed on XX/XX/2016, but with no XXXX tracking. I am extremely frustrated that nothing would be done to provide my own money back to me without it taking another 7-10 days. I demanded ACH back to my account, but they refused. It is unfair, sloppy, and I highly resent the nonchalant, cavalier responses I received when I was told that nothing else can be done but " wait some more. '' The RESPA law states that it SHALL be refunded in 30 days, and I want them held to that.