davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

Company : Debt collector RMP Services LLP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX. Debt from hospital stay XX/XX/XXXX ; amount {$77.00} reported to credit bureau on XX/XX/XXXX. This company had 2 accounts in my name. Settled all accounts for {$160.00} paid in full on XXXX XX/XX/XXXX over the phone with XXXX and XXXX ( I was transferred ) with the understanding the account would be deleted from credit report since paid in full. As of XX/XX/XXXX account is still listed on credit report, currently listed as " closed '' not deleted. Called RMP on XX/XX/XXXX spoke with representative who states XXXX XXXX XXXX XXXX does not usually delete paid accounts in her experience. Directed me to speak with her supervisor. Called XXXX XXXX on XX/XX/XXXX asked if he could remove paid account from credit report as that was understanding at time of payment. He stated he did not have record of my request ; account is listed as closed. I asked if he could delete as account is paid. He said " at this point there's nothing I can do. I suggest you call credit bureau and ask for them to delete since it's only {$77.00} dollars. '' He indicated too much time had passed since I paid off the debt.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I went to get gas at XXXX gas station on XX/XX/2020. There is a - {$75.00} charge still " pending '' that the gas station held, however, also a " Reversal Credit '' of + {$49.00} that is also still " pending '' according to the " Way2Go '' app. According to the paperwork I received with my Way2GO debit card, XXXX XXXX is the banker for Way2GO debit card. On XX/XX/2020, there was a charge of - {$25.00} from the same XXXX   which is the correct amount that I actually spent on XX/XX/XXXX. I spoke to the Way2Go Customer Service Representative on XX/XX/2020, after calling XXXX which is listed on the Way2Go paperwork that I received in the mail. She told me that XXXX is responsible for the charges and that they are the one 's who needs to release the hold. I spoke to 4 different XXXX representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they told me that all they charged me was " {$25.00} '' and that it is up to the bank to release my funds back into my account. I tried calling Way2Go Customer Service again at XXXX 5 times on XXXX XXXX, and XXXX, however, when it got to the part where they said to " hold '' for the transfer to speak to a representative about my dispute, it would hang up on me versus transfer me to a representative. The same thing happened when I tried calling another number listed on the Way2Go App as a Customer Service number at XXXX, as I called 6 times on XX/XX/XXXX and XXXX, on this number. On top of going through all that mess, I noticed that the bank charged me {$0.00} four times on XX/XX/XXXX, XXXX, and the XXXX possibly due to me calling so much, on the numbers listed above, to try to get through to an agent to dispute my charge. Each time I called, I chose the " dispute '' option, however, it informed me of my balance each time, although, I never requested for my balance. Way2Go charges {$0.00} if you check your balance more than 5 times per month. I would like them to release my funds back into my account as it is rightfully mine 's as well as refund me the 4 charges of {$0.00} because my calls were not for the intent of checking my balance.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I had overpaid the XX/XX/XXXX Mortgage. The amount could cover the XXXX plus {$2000.00} principal ( paid on XX/XX/XXXX ) and XXXX ( paid on XX/XX/XXXX ). However the late fee {$140.00} kept on the balance. I had called five times and communicated with Mr. Cooper to resolve this mistake. The mistake still happened and the {$140.00} was deducted from the additional paid principal {$2000.00} and it became {$1800.00}. I want to complain about this mortgage company being not able to correct this mistake and this issue happening is not fair to the customer.
Consumer complaint received 2020-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I called on XX/XX/2020 to inform that I had lost my income weeks prior due to XXXX response, and that I could not make the XXXX and XXXX Payments. We discussed a forbearance program where they agreed to not continue collections and to put off our due dates for 3 months. I was told they would determine how to address the forbearance when the program ended. 

I received a letter dated XX/XX/XXXX, detailing the forbearance agreement which includes a balloon payment of {$15000.00} on XX/XX/XXXX. I then received an XX/XX/XXXX letter informing me that my loan was in default. Both of these actions appear to clearly be collection activities. 

I called the company when I received the second letter, still trying to figure out how to reply to the first. On that call of XX/XX/XXXX I was informed that the loan was indeed in default because of my missed payments and that it outlined my options. 

This hardly seems to be in the spirit of the government guidelines regarding the COVID-19 emergency. I most certainly will not be in a position to pay that balloon payment on XX/XX/XXXX. 

Contradicting their Plan details, they have mentioned in the letters an ability to, at the end of the plan term, discuss Deferral, a Balloon payment or submitting applications for a repayment plan, mortgage modification, short sale or deed in lieu of foreclosure. 

I have already attempted recently to get a mortgage modification and was denied. I don't see how after this mess and under the cloud of a default I will receive a different reply.
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (MD)

A notice of cease and desist, as well as a request for proof of contract sent to Performant Recovery , Inc on XX/XX/2019. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

CITI FREEZES MY ASSETS FOR 120 DAYS AND PROVIDED NO CLEAR EXPLANATION ( This is a DESPERATE CRY FOR HELP because I don't know what else to do.All attempts to resolve this with Citi came to dead ends. ) My family savings account has been frozen since XXXX. I was told by Citi that I could resolve it by calling the Fraud Department, but after making a lot of calls ( about 20 by now ) I was told the account is in " review '' by the " back office '' with no way to contact and that it is " marked for closure ''. But none of them can tell me why nor provided a way to resolve it. I was told to wait for 30-60 days for them to contact me with the reason. 

In XXXX ( 60 days after the account was frozen ), I received a letter ( attached ) with cryptic message saying " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX  and your other related Citibank accounts. Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank. '' So after 60 days of locking my asset, Citi still does not provide clear explanation whatsoever as to why my account was locked and marked for closure. 

I made another call provided by the letter ( Fraud Prevention dept ) and was told ( again ) that the decision was made by the " back office '' and that they do not take any calls. 

Worse yet, the letter says that the account closure will take up to 60 days. So basically Citi has no problem holding my money for 120 days but is unable to provide a sound explanation as to why. 

That is also 120 days of me unable to access my family 's savings that I really need especially during this time when businesses are closing and family 's are struggling. 

Because of this, I had to take a loan with high interest. 

I don't know what else to do here or who else to contact. We don't have a branch in my state. Citi Fraud Prevention is clueless. The " back office '' is unreachable. Citi Executive Response Team is unable to help. 

CFPB, please help us regular people and investigate Citi 's irresponsible asset mishandling under the disguise of " fraud prevention review ''.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

XXXX XXXX, has been the individual in charge of handling my complaint against First Horizon Bank. XXXX XXXX has answered many of the questions presented and has cleared the air on whether there was a Paid-On-Death benefit for XXXX XXXX by sending copies of the Signature cards. Now, the only unanswered questions are : Where is a copy of the Court Appointed document the bank say they used to freeze my bank account and take money from it? And, where is the copy of the second, Power of Attorney? And, where is the stamped received date on the Death Certificate? You see the only way to get the correct answers about the dates in which the bank say they received those items is to have the bank submit their copies, as they did when they submitted the bank 's signature cards on the Paid-On-Death ( POD ). All of these records, the court-appointed order, the second Power of Attorney and the death certificate are public records. I already have a copy of the second, Power of Attorney and the death certificate, but none of the requested items have the bank 's stamped and received dates. These are the items that are being requested : 1 ) Court-Appointed Order 2 ) 2nd Power of Attorney 3 ) Death Certificate all with the bank 's received dates.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One Credit Card for the statement dated XX/XX/2020 was {$18.00}. The statement balance Id {$18.00} was paid in full in XX/XX/2020. Well before due date of XX/XX/2020. However onXX/XX/2020Capital One debited my checking account for {$18.00} despite fact statement balance had been paid in full. 
I reached out to Capital One via XXXX on XX/XX/2020 and was told to call XXXX. 
On XX/XX/2020 I called and was on phone from XXXX XXXX to XXXXXXXX 
I was told even if you pay statement balance in full Capital One will still debit your checking account for the minimum monthly payment despite fact statement balance is zero. 
I do not feel checking account should be debited for minimum monthly payment if statement balance has been paid in full before due date.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Issue with Wells Fargo trying to increase my escrow monthly payments on 2020. Wells Fargo claims that my escrow account will be unfunded. However, according to my calculations, by keeping with current escrow payments, added to the escrow balance as of XX/XX/2020, and after paying taxes and home insurance, there will be an actual surplus of {$3700.00}. Neither my taxes nor my home insurance will increase this year as a matter of facts, taxes will be decreasing by {$270.00} this year. Details and numbers bellow : Escrow balance {$5100.00} As of XX/XX/2020 Escrow remaining 2020 payments {$13000.00} As of XX/XX/2020 8 payments of {$1600.00} Total Escrow deposits end of 2020 {$18000.00} 2020 Taxes ( {$12000.00} ) 2020 Home Insurance $ XXXX XXXX ) Total 2020 payments ( {$15000.00} ) Escrow surplus ( deficit ) {$3700.00}
Consumer complaint received 2020-04-19
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. (TX)

ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

The dispute is against the 3 credit bureaus ( XXXX, Experian, and XXXX  ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a follow up on CFPB complaint submitted on XXXX XXXX - complaint number XXXX. 

Today Bank of America credit card department has taken {$940.00} from my checking account without my authorization. 

Despite talking to credit card department of Bank of America yesterday and asking them to revert the payment they denied. 

Today they say that I had in fact authorized an automatic payment and starting overdrawing my checking account. 

This is completely unagreeable behavior from Bank of America credit card department. 

Bank of America must not try to take XXXX dollars from my account. The charge is showing as processing on my account on XX/XX/XXXX. 

Processing Transaction layer ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD BANK OF AMERICA AUTO PAY ON XX/XX/XXXX as Reconciled XXXX XXXX
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I lost my checking account information and I then called to close the account and was told that I owed a balance of which I did not incur or was even aware of. I was told by the fraud  department that I needed to file a police report and send it in with the account information on it and that was done. To further protect myself I filed chapter  XXXX bankruptcy and included the amount. The bankruptcy was filed in XXXX of XXXX and discharged XX/XX/XXXX. I came in XX/XX/XXXX to open a personal account and was told that I could not open it because I owed that amount even though I included it in bankruptcy because I wanted to make sure I was in the clear and that no adverse action could be placed against me.
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (CA)

I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (PA)

The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-04-18
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. (PA)

The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX  have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition  : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Dept of Ed / XXXX, XXXX XXXX, and XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to TransUnion regarding my credit profile. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX XXXX  and XXXX/XXXX XXXX/XXXX   reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights