davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " Capital One Retail Services '' and the amount was {$1300.00}. I immediately contacted Capital One and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original Capital One charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.
Consumer complaint received 2017-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I took out a student loan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in  the summer of XX/XX/XXXXto attend XXXX University. My mother, father, and grandmother are co-signers. At this time I was led to believe that HESAA was a federal loantheir literature said that they were federal and there are photos of Governor XXXX XXXX and the New Jersey state seal on their website. I took out another loan, again with my mother, father, and grandmother as co-signers, through HESAA in XX/XX/XXXXto attend graduate school at XXXX University, again believing that it was a federal loan. I began to make payments on the loans in the fall of XX/XX/XXXX, after I discontinued my graduate education. At this time, I realized that they were not federal at all, given that there were no options for income-based repayment. Ever since, I 've been dealing with their exorbitantly high repayment options and inhumane methods of communication ( constant phone harassment and very rude customer service reps ).
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

due date of the credit card is XX/XX/XXXX. I called over the phone XX/XX/XXXX and do an auto pay through my spouse account, the rep spoke to both me and my spouse and finish the auto payment, It was all set and we hang up. We were surprise when we tried to use the card to pay a restaurant bill that it got declined, we called the citi bank why our transaction got declined, the said coz we have a late fee.

I was shock to know and i told them we did set up an auto pay, they said we did not. No one from their end informed us back that our auto pay did not push thru, we have to know it when we finish eating and not be able to pay for our lunch. 
So again i have to set up and new auto pay that day XX/XX/XXXX,  after getting all the infos and a long wait, this time they acknowledge that yes, its not allowing them to set up auto pay through phone. The rep said i have to go online and register ( which i did ) and to call 2 days after tp have the fee waived.

I called today to just be rebuked blatantly. They cant do anything to waived the late fee.

{$25.00} is a very minimal amt for me to be going through all this ... but i will bacause this is unfair.

we did our part setting up for auto pay via one of their reps before the due date. They fail to notify us before the due date that it did not push through. They dont even acknowlegde it that they have failure on their part- thats what it makes more soooooo frustrating!
Consumer complaint received 2016-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

my loan with bayview loan servicing was sold to XXXX on XX/XX/2015 according to XXXX there was no escrow in my account to transfer to XXXX.my mortgage was then increased by XXXX as you have to have XXXX to start escrow .I can not understand what happened to the escrow acct with bayview loan servicing.i get help from nj tax freeze every year. I can not understand if I had to have XXXX. XXXX for escrow to started with XXXX did I have extra money the the bayview account. also my mortgage was sold to XXXX 2x in one month what is that all about.also I would like this resolved with bayview as it has really messed up my loan with XXXX. I have contacted the dept of banking reguarding both of these companys. as I think they should not be allowed to be in business.
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have been using a XXXX prepaid card for several years. Mostly so that my daughter who lives out of state can get access to money quickly if she runs short on cash. 
The last three times I have tried to make a deposit to my card, the deposits have been declined by Certegy Check Services , Inc . I keep getting reason code XXXX. 
Since this has happened to my last XXXX deposits, which are small amounts, under XXXX I contacted Certegy to see what is happening. I had to fill out a form to fax or mail with my banks routing and account information, SS # and drivers license info. 
The FAX number at Certegy does not WORK. XXXX. It literally never picks up. 
Calling into Certegy you never get to speak to a real person. 
I am feeling very scammed here with this Certegy company. They are stopping me from using a convenient service that I 've used for five or so years. 
My complaint is not towards XXXX. 
It is towards Certegy Check Services , Inc, XXXX XXXX XXXX, Fl. XXXX
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

Everbank keeps changing the terms of the loan and decreasing the amount of the mortgage. They keep making serious errors in paper work ( for example, saying we would pay them over {$28000.00} to close a loan for XXXX amount paid out, and still pay monthly for 30 years! They keep running credit checks which lowers the FICA score and then want to raise the rate as a result. We have yet to see any paperwork come through correctly in over two months of processing time.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (OR)

My name is XXXX XXXX XXXX and my husband ( XXXX XXXX XXXX ) and I had our accounts levied on XX/XX/XXXX and would to verify that the debt is legitimate. The company that issued the Levy is called XXXX XXXX XXXX We have not received any correspondence from this company by mail or phone that we are aware of. I was told when I called that the levy was based on a judgement that was issued XX/XX/XXXX based on aChase bank credit card account issued in my name.
Consumer complaint received 2017-10-18
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. (CA)

On XXXX/XXXX/XXXX I requested a credit report from Equifax, and I found that all the credit records shown in the report ( some of them are derogatory ) do not belong to me at all : ( 1 ) I do not have the Citicard with account number of XXXX ( 2 ) I do not have any XXXX XXXX, I do not even have a Chase account ( 3 ) I do not own any XXXX 's card ( 4 ) I do not have the XXXX with the account number of XXXX ( 5 ) I do not have the XXXX with account number of XXXX ( 6 ) I do have any car loans or housing loans In fact, I have not borrowed any money for anything in the US. And I never have any amount overdue. 

About the same time, I request the credit report from XXXX, it was clean and it did not commit the same mistakes as the Equifax have done. 

It is obvious that Equifax has not done the cross reference with all the credit records being shown on my report. My brother has a name similar to mine, but he definitely has a different social number and a different birth date. If Equifax has performed the job professionally and with reasonable care, these mistakes will not appears on my report. 

I have talked with many people from Equifax and none of them can handle on the phone ( cause they keep asking me to provide them the information about the credit card which are not mine ) and finally I was asked to send them my social number and driver license copies. But my point is : if they cross check the social number and the birth date from the financial institutions who provide them the records, they will know they have made the mistakes. It seems to me that Equifax is so unprofessional and careless in handling such the important credit information, and finally the ones who suffered from their incompetence have to bear the burden of proof and pay the effort to help them build their database. From the way they are performing the credit information, I strongly believe they will continue the same mistakes forever as they never think that this is their responsibility to verify such information.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My personal information was very possibly hacked and stolen from the Equifax breach. On XXXX XXXX, XXXX I have gotten my annual credit reports to ensure there was nothing out of the ordinary on there, I placed an initial 90 day fraud alert through Equifax and I am now filing this complaint. This breach could be potentially catastrophic to me if my information is stolen and this is absolutely unacceptable and Equifax has handled this situation extremely poorly.
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was instructed to submit my credit card for a {$30.00} deposit charge for my rental car. The car accident happened XXXX/XXXX/XXXX. I was not notified until after XXXX that they were unable to Locate her insurance XXXX and I was subsequently charged {$3300.00} for the rental car while they conducted their investigation. XXXX XXXX refuses to refund my funds due to XXXX error during the investigation. I received a letter from XXXX XXXX advising me if I had documentation that XXXX was going to pay for the rental car, I will be refunded my money that was unauthorized and taken out of my account. I submitted this evidence to XXXX XXXX by fax.
Consumer complaint received 2017-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc. (CA)

In the attached letter sent XX/XX/XXXX certified mail to AllianceOne, I ask them on page four to not call me by phone and to communicate by USPS mail only. 

On XX/XX/XXXX, at XXXX XXXX XXXX Alliance one called after I revoked consent to be contacted by phone. This is a violation of the California Fair Debt Collections Practices Act ( RFDCPA ) I 'm requesting that this matter please be investigated. The calls are causing me a lot of stress! 

I 've attached a copy of a screenshot from my XXXX XXXX Phone Records.
Consumer complaint received 2017-10-18
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. (NY)

For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. Experian gets away with murder and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. Experian refuses to investigate again after they did XXXX time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

When I first graduated college, I signed up for one of the income based programs. When my payments started, they were much higher than I had been quoted, about double. I paid for a few months until I could n't afford it and entered forbearance. When I got my paperwork confirming the forbearance, it said I had been in standard standard repayment instead of the income based. I signed the original paperwork, but no one at XXXX ( now Navient ) bothered to file it correctly. I did my homework, and now knew to the penny, exactly what my payment should be under the income based. I called to sign up for the income based for a second time. When I was received the paperwork, it again kept me in standard instead of income based. I called Navient and had to fight with a representative for a half hour, while they continually said I was wrong and just did n't understand the program correctly, until they finally admitted that they were looking at the wrong paperwork, and that my income based paper had " never been filed '', yet again. Now I 'm finally in the correct income based program. I entered the my loans into consolidation last XX/XX/XXXX. I have never missed a single payment. I recently went into my account to see how much I shave paid off loan is now about {$150.00} HIGHER than when I consolidated. Even though I 'm paying my payments online, every single month. This company just comes off as a complete scam. I 'm now looking to take a second job even though I already work full time at a XXXX, so that I can pay off these loans as soon as possible, instead of actually being able to use the income based program, because I ca n't trust Navient to not continue to lie, and XXXX up my account constantly. This is a company, that simply takes advantage of students. They should not have a single contract with the Department of Education. It 's criminal the way they are taking advantage of people by simply not doing their job and ignoring and not processing paperwork, and lying to the consumer.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

re : Hunter Warfield account XXXX Currently, Hunter Warfield is attempting to collect a debt in which it claims {$570.00} is owed to an apartment complex called XXXX XXXX. 

More than five years ago, I moved out of XXXX XXXX. There were substantial issues with the management of the complex, to say the least. Among other issues, there was a murder at the complex XXXX which certainly did not make me feel safe having my wife and children live there, to say the least. 

Most direclty, the woman who was employed by XXXX XXXX as the complex manager at that point ( 2012 ) specifically told me that my account with XXXX XXXX was paid, settled, and nothing further was due. It has since come to my attention that this ( now ) ex-employee was later arrested and convicted of fraud, involving her use of other people 's Social Security Numbers to fraudulently obtain goods and credit. 

I have disputed this debt multiple times to the various consumer credit bureaus Hunter Warfield is reporting it as an " unpaid collection '' to, but each time, Hunter Warfield confirms the debt is " accurate '' and instructs the bureau to continue to report it. 

I have no legitimate debt owed to XXXX XXXX. Collection activity should stop and whatever information reported to my credit should be deleted.
Consumer complaint received 2017-10-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In early XXXX when I learned I had a incorrect collection acct. report from XXXX XXXX Equifax reporting agencies, I filled a dispute online with both. Within 30 days XXXX  had removed it, but Equifax had not. I then went on the Equifax website and disputed it again. After aprox. 60 days I had still not recieved any comunication or resolution so I called them and requested this to be disputed a XXXX time. To date I still have not even received a response to this issue, and I am now unable to get through to their website or phone number. At this point I even tried to go back to the doctors office where I thought this had originated and learned from them it was from XXXX XXXX and given their # XXXX XXXX. When I contacted them they said there was nothing showing it was sent to collection, which made even less sense to me as to where the incorrect report originated. But they told me they would investigate and gave me comp # XXXX. I also have a copy of my cancelled check # XXXX dated XXXX/XXXX/XXXX, for {$200.00} that was sent as soon as the bill was recieved, yet this collection was recorded as opened in XXXX XXXX.
Consumer complaint received 2016-06-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I have been informed from Ocwen 's Ombudsman office that Ocwen 's legal counsel, XXXX XXXX, has advised Ocwen not to speak to me about my account. I have filed complaints against Ocwen through the CFPB portal because of servicing misconduct and fraudulent activities that are being used to wrongfully foreclose on our primary residence. The Consumer Account Analyst, XXXX XXXX, from the Ombudsman office stated in one of her responses to my complaint, that I could call her if I had any questions regarding her response to my compliant. When I called to speak to her, she advised me she was unable to speak to me regarding my account and she has failed to thoroughly research my complaints and concerns regarding the fraudulent documents produced to wrongfully foreclosure on our primary residence. She just simply attaches a response from their legal counsel from XXXX XXXX, XXXX instead of thoroughly researching my complaint as she claims to do. In her last response to my latest complaint filed, she has directed me to address any questions or concerns regarding my account to XXXX XXXX. I am not really sure how this firm can address the concerns raised when XXXX XXXX is the reason behind my concerns. XXXX XXXX is the firm that produced to us an allonge in XX/XX/XXXX that was unstamped during the discovery phase of our lawsuit. Then XXXX XXXX provided a stamped allonge months later. XXXX XXXX is also making a false claim that I was presented with the original loan documents during my deposition and did not deny that it contained my signature. That statement is absolutely false. I stated in my deposition that the signature appeared to be computer generated and did not appear to be my original signature. The attorney for XXXX XXXX continued to badger me when I made this statement and was trying to force me to admit to it being my signature. We filed a lawsuit against XXXX in XXXX XXXX because of their servicing misconduct activities being done against our primary property. This lawsuit is now closed and Ocwen should be able to speak to me directly involving any unresolved issues or concerns I have about my account. My relationship manager, XXXX, XXXX XXXX, has also advised me that he is unable to discuss my account with me. As part of the Ocwen National Servicing Settlement Agreement, I am to be assigned a single point of contact. What is the point of having a single point of contact to ask questions about my account, when they have been unable to speak to me about my account?
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding Equifax. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.