davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (WA)

I am submitting this issue with a complaint about my Discover Student Loans. I have been through multiple calls and have now sent three different letters of dispute, as well as, an online document to my loan portal. Asking them to prove documentation of acquiring all information and custody of two loans from XXXX bank. Zero information was given to me that the loans were purchased, no contact nor any form of agreement was confirmed. Only a single document, 5 years after the initial loan that I am paying them now. Ever since, Discover has increased my student loan rate to absurd levels far beyond it possible for decent living while working 3 jobs. I have to receive any documentation pertaining to receiving notice when my interest increases ( count is 3 missed occurences ). Even calling about taking almost half of my monthly paycheck for a change in payment plan has fallen through because they have refused the service due to, " you have payed everything on time and in full, what is the problem with paying now. '' Currently have three loans with Discover. 
Total amount : XXXX Monthly payment : XXXX Not only have all mailed versions, phone calls and online Discover submitted letters have been ignored. It is possible because I am still not missing payment dates that they do not care. I have been trying to collect my due information in lines with the Fair Debt Collection Practices Act and similar state laws. I have been in contact with the XXXX and their advisers. At this point they recommended that I contact my state attorney general and the CFPB for assistance. 

At this point, what would you recommend? 

Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I contacted Wells Fargo to make full payment to bring my account current. I have been away on family leave from XXXX to assist my mother who has failing health in Missouri. I'm behind 4 payments. I told them I was wishing to bring the account current. I was told they would not accept any payments from me because my house was in foreclosure. I have not received any notices what so ever. I went to county recorders office and found no notice of default. I'm really disturbed that Wells Fargo would not choose to work with me during this difficult time. I was told one week ago that they would email me a re-instatement statement with attorneys fees. As of today I have received nothing from Wells Fargo. The last person I spoke with I was told her name was XXXX XXXX at XXXX ext.XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

I checked my credit report and discovered an account from a company called ONLINE COLLECTIONS. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address or under my social security number. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account.
Consumer complaint received 2018-05-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

On XX/XX/XXXX, I initially filed a complaint with CFPB regarding XXXX XXXX XXXX, XXXX, Complaint # : XXXX, who was the company l received a letter from dated XX/XX/ and they listed Toyota Motor Credit Corp as the Current Creditor for Account # : XXXX, for a balance of {$11000.00}. After receiving from CFPB on XX/XX/XXXXnotification that my complaint had been closed due to a response from company. 

The response from XXXX XXXX XXXX XXXX XXXX, is that they have placed my account into a dispute status and requested validation information from the creditor. And I should receive validation information by mail from Toyota Motor Credit Corp.

As of today, I have not received any validation from Toyota Motor Credit Corp. Nevertheless, they continue to report negative information on my credit reports. I am requesting to submit a complaint with CFPB against Toyota Motor Credit Corp due to deceitful, unethical practices.
Consumer complaint received 2018-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XXXX XXXX XXXX mortgage company select portfolio servinging. Acct # XXXX On XX/XX/XXXX we appointed a new insurance agent for our home insurance policy. The agent informed us that we were not given the correct policy for our home from the prior agent. We were under covered by the company. We decided to go with the new account, As you probably know in XXXX Florida you must get a re inspection of the policy in order to update the policy. We went ahead and renewed our policy. Select portfolio is now stating that we must pay an {$300.00} for lapse of insurance. We never had a lapse it takes the new company to send inspection and must go through underwriting to create the new policy. During this course they was no damages to the property and we have all the forwarding information and conversions with the new agent. I feel its completely unfair for this company to now want to send me delinquent letter bill stating we owe them XXXX when the house is insured. We do not have an escrow account with our mortgage company. Once again I fell its a tactic for them to continue to charge bogus amounts to there client. We have had continuous problems with them and they continue to hassle home owners. we tried resolving the issue with them over the phone and to no help. Now we received a certified letter about this XXXX bill. 

Please if there is anyway we can help us to resolve this matter. 

our insurance policy is through citizen
Consumer complaint received 2018-05-26
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 — Investigation took more than 30 days
Company: CrossCountry Mortgage LLC (WI)

Sent : XX/XX/XXXX To : CFPB Subject : Having problems with Cross Country Mortgage My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of Cross Country Mortgage, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ 587 monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to Cross Country. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (NM)

Well? It seems like American Express Bluebird and American Express itself not only are stupid 's ; they are so nasty that their nastiness fill up their air in XXXX all the way to above XXXX and XXXX and on the east XXXX XXXX, XXXX, XXXX and etc., etc., etc., helping me to realize from where were those disgusting NAUSEAS I had lately! ... FROM THEM!!. 
Attach to this new claim goes the letter ; in WHERE they 'think ' WILL APOLOGIZE TO ME WITH MY OWN MONEY!! HA! HAAAA! HAAAAAAAA!!!. 
I WANT MY MONEY!! ; and?? American Express YOU ARE A LAWLESS group of thieves ; I DON'T WANT OTHER ACCOUNT!! I WANT MY MONEY IN A CASHIER CHECK!!.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you  please help me get this resolved?
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

credit inquiries made that I didn't consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2018 I noticed my account was overdrafted. I transferred funds from a external account to cover the over draft. Before doing so I transferred over a test transfer to make sure the funds where going to be available and there would be no delays. There were no delays as it showed in my present and available funds. I then proceeded to transfer over 100 dollars and again it was showing in my present and available balance. Before logging out of my mobile banking my account was at a positive balance. The follow day I logged into my account and it showed 3 nsf fees. I contacted the bank and they said there was nothing they could do. I escalated it to a manager and again I was told there was nothing they could do. I have called several time and I have been told the same thing. Had I known that the funds were not going to cover the negative balance I would have deposited cash but because my account was in a good standing before logging out I felt comfortable and confident that I was not going to be penalized.
Consumer complaint received 2018-06-26
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: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (UT)

I received a letter stating a medical bill I was unaware of was sent to collections. Immediately, I called to resolve the matter and make payment arrangements. They declined what I could afford and told me either {$5000.00} down and {$5000.00} the following month or 3 consecutive payments of {$3000.00}. The told me this was the only way they could accept my payment and I told them I would see what I could try to figure out. 

After confirming with my options that those just are not realistic arrangements I called them to atleast make a payment and see what I could continue to afford. They told me they could not accept my payment because it wasn't enough and that they are now going to put it against my credit. I tried multiple times to have them take my payment and they declined. I asked them if I were to go online and make a payment, since they would not accept it, if they would send me a notification with my new balance owed before reporting to my credit and she said they don't do such a thing. 
The fact that she declined my payment and refused to come up with a realistic arrangement for monthly payments is completely unfair. 
The company 's name is XXXX XXXX XXXX. She was a senior representative and her name was XXXX. The most recent call took place on XX/XX/XXXX at XXXX.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

On XX/XX/XXXX, we sold our house. At that time, we had XXXX XXXX XXXX/XXXX  service. I called to let them know we needed to cancel because we sold our house and was moving to a temporarily residence with family/friends for about 2-3 months. XXXX advised to send all the equipment back, which I did in XX/XX/XXXX via XXXX drop off. They would suspend our account until we moved to our permanent residence. On XX/XX/XXXX, we moved to our permanent. However, we moved into lofts/apartments and our only choices for cable are XXXX XXXX XXXX XXXX or XXXX because the residence does not allow XXXX installation. I decided to go with XXXX XXXX XXXX XXXX and when I called them in XX/XX/XXXX to set up service, I let them know that my XXXX account was suspended, but I needed to cancel since we are installing XXXX XXXX XXXX XXXX. Everything was going fine and then, I started receiving bills from XXXX account number XXXX in XX/XX/XXXX. I explained my situation that we no longer lived at our previous address and said we know have XXXX at our new residence and we no longer lived at our previous address, but my explanation went unheard. I continued to receive bills from XXXX in XX/XX/XXXX, XX/XX/XXXX and finally in XX/XX/XXXX I spoke to XXXX XXXX XXXX XXXX and explained my situation for which seemed 100th time and that agent apologized for my frustration. Agent said, I shouldn't have to go through all this and would make it right. I have heard that before, so I was not too optimistic. But, on XX/XX/XXXX, I received a series of emails from XXXX to confirm my account has been updated with a credits of {$11.00}, {$210.00}, {$22.00}, and {$4.00}. In addition, I received an email from XXXX informing me that regrettably my XXXX XXXX was disconnected. How could it be disconnected when I had sent the equipment back in XX/XX/XXXX and didn't have the service since then? And then, I received a statement from XXXX dated XX/XX/XXXX, I received a bill from XXXX for {$57.00} to please pay. No explanation of why I was being billed only to please pay upon receipt. I received the billing statement on XX/XX/XXXX, and I immediately called XXXX at XXXX XXXX CST and spoke with an agent and said it showed a XXXX balance. So then, on Monday XX/XX/XXXX, I received a collections call from Diversified Consulted Inc. that I owed {$59.00} to XXXX. XXXX has reared its ugly head, I stopped the agent and told them to DO NOT CALL because it has been a nightmare to say the least and went on to say the account was cancelled and now have XXXX XXXX XXXX XXXX and to not call be about this ever again. I called XXXX XXXX XXXX XXXX and here I go again, I explained what happened and was beyond fuming for this going on for a year. Come to find out XXXX is charging for cancelling fee. REALLY? I am still with XXXX XXXX XXXX, why am I getting charged this fee. Please help me and make this right because this people are causing me anxiety and stress for something I shouldn't be paying.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

As per my FCRA rights, I have been requesting EQUIFAX to add my SSN to my credit file, Raised Disputes Confirmation # s XXXX with them and spoke to customer care rep named XXXX and was being informed just to send Copy of SSN amd Driving License, I faxed the copies multiple times and also Mailed the copies of my SSN and Driving License to them by USPS multiple times. Due to my SSN on being on EQUIFAX credit file for my profile I am not able to get new Phone line from XXXX or any type of Loans where they only use EQUIFAX data. - PLEASE HELP I have below 2 complaints : 1> EQUIFAX is not able to add my SSN in their system even after sending them Multiple copies of my SSN Card and Driving License by Fax and by USPS Mail. XXXX and XXXX credit card companies are directly reprotign my SSN, DOB and Current address to them and still they are not able to add my SSN to their system.

IMP NOTE : SSN is issued one time and it remains same for the person but they keep sayign my SSN is invalid and that is totally wrong. I need proof if they are saying on my SSN I can not have my credit history then why XXXX and XXXX already has it ... Everyone present in USA on Work Permit has similar type of SSN and everyone else is able to see their credit scores and apply for Loans etc ...

2> EQUIFAX is not able to provide me the dispute resolution response their website keeps showing below message.. 

" We are currently unable to process your request! 
The information you have provided does not match our records ; therefore we are unable to process your request online. 

Please try again later or contact us directly to check the status of your dispute. 

We apologize for the inconvenience. '' XXXX and XXXX already has SSN, Date Of Birth and Address on my credit file and they are able to provide my credit report but EQUIFAX is NEITHER giving me my credit report by adding my SSN to file NOR providing any repsosne to my raised disputes as per my FCRA Rights. 

EQUIFAX is falsely claiming that they can not add my SSN on file because it has " VALID FOR WORK ONLY WITH DHS AUTHORIZATION '', All the work visa immigrants in USA have this sentence written on their SSN card and everyone else ( even my husband ) has it written on his SSN and he has credit file with EQUIFAX working normally then why just me and my credit file not being updated with my SSN..? and like I said earlier Credit Card companies are also reporting to EQUIFAX ... 

Here I have attached copy of my SSN, Driving LIcense and Work Authorization along with XXXX and XXXX credit report.
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

refer to Complaint number : XXXX which you closed without resolving. You allowed the company to tell you I paid late or short when I provided you proof I paid in full. You need to keep this complaint open until it is resolved in its entirety. I provided proof that it was paid in full BY THE DUE DATE. They said it was late or short. Since that was not factual, it was your obligation to contact them again. I now owe over {$60.00} in late fees and my credit was damaged. I need you to have any balance wiped off since late fees and interest should have never been charged since the card was paid in full by the due date and leave this open until the entire balance is wiped off and my credit report is corrected.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

I had an unauthorized charge made to my XXXX credit card by XXXX for a service we had discontinued last year. My credit card had a balance of zero, at least that is what I believed because I had the card stored in a safe. Today, I receive a call from XXXX saying I need to pay my card..and I said it has a zero balance!!! They say NO, a charge was made in XX/XX/2016 for {$280.00} and I have not made a single payment since the charge. I called XXXX and read them the riot act and they are reversing the charge as we speak. In the meantime, being unaware of this charge, I am being penalized on my Equifax credit report for an unauthorized charge I was not aware of existed. Please purge this from my report.