davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-02
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: ACI Worldwide, Corp. (VA)

I used OfficialPayments.com to pay my personal property taxes for XXXX XXXX XXXX XXXX, VA. The XXXX Personal Property Tax Bill issued by XXXX & XXXX specifically indicates that payment can be made online through www.officialpayments.com. The tax bill also indicate that in the upper right hand corner that " On XXXX XXXX, XXXX the Board of Supervisors adopted an amendment to Chapter XXXX, Vehicle License Fee Ordinance, to change the due date from XXXX XXXX of the preceding year to XXXX XXXX of the actual calendar/tax year in which the vehicle is garaged, stored, or parked in XXXX & XXXX XXXX and the inclusion of enforcement remedies as prescribed in the Code of Virginia. There is no increase in fee. '' All tax payments are indicated to be paid before XXXX XXXX of each year provided notices from the county are sent out in a timely manner. The tax bill was for {$78.00} and it can be verified that the money was transferred from the bank ( XXXX XXXX XXXX XXXX ) of the consumer to officialpayments.com along with associated fees ( handling charge ) per transaction as indicated on the back of the bill. XXXX XXXX XXXX County Treasurer Office c/o XXXX XXXX and XXXX XXXX deny receiving those funds and/or misappropriated the funds to excessive fees not allowed. There are only XXXX types of fees mentioned on the bill. The handling charge was paid for making a payment through officialpayments.com. The other XXXX fees were a 10 % penalty after XXXX/XXXX/XXXX which would be {$7.00} and 8 % interest beginning XXXX/XXXX/XXXX which is divided into 12 months, being approximately {$0.00} a month ( totaling approximately {$2.00} by XXXX XXXX ). Other than those acknowledge fees, the bill indicates " There is no increase in the fee. '' XXXX & XXXX XXXX denies receiving any funds prior to XXXX XXXX or thereafter subsequently sending notices to the XXXX XXXX Virginia Department of Taxation and XXXX XXXX Virginia Department of Motor Vehicles preventing renewal of registration. There has been indication by XXXX XXXX and/or XXXX XXXX that there were fees assessed that may have misappropriated any funds actually sent to the office and then it was subsequently reported that the office did not receive any payments that were wired from the personal XXXX XXXX XXXX of the consumer to officialpayments.com and then electronically wired or transferred from officialpayments.com to XXXX XXXX XXXX XXXX c/o XXXX XXXX and/or XXXX XXXX. The XXXX XXXX XXXX XXXX has verbally indicated that the transactions were completed and a consumer financial protection bureau complaint was filed for further verification on XXXX/XXXX/XXXX under complaint number : XXXX. OfficialPayments.com transaction confirmation number ( s ) : XXXX and XXXX ( attached ). The XXXX XXXX Virginia Department of Taxation also with held approximately $ XXXX because XXXX XXXX XXXX XXXX indicated that they were not paid.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-10-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (CT)

After receiving an advertisement in the mail for a 'TD XXXX XXXX ', I submitted an online application for an express loan through TD Bank in the amount of {$3000.00}. Their marketing scheme for this loan is 'access your funds in up to 48 hours '. I submitted the application on XXXX XXXX, and it is now XXXX XXXX, and I still do n't even have an update on where my loan application stands. I have called TD Bank 's customer care/financial advisors - numerous times. So far, I have heard the following excuses from their representatives regarding why they do n't yet even have an update : - " It can take 5 to 7 business days. '' ( This was on my first phone call & I reiterated that the advertisement stated 48 hours ) - " It should n't be taking this long, I will email my supervisor to get back to you. '' ( This was on my following call, and I never heard back from a supervisor ) - " You have an advisor, but he 's unavailable and the website just has n't been updated yet. '' ( This was on the next phone call & I still have n't been able to reach the contact they gave me. And to this day, the last time the website was updated was on the day I submitted the application. ) Finally, I called and stated that the only reason I applied for the loan with TD Bank was because they sent me the advertisement. It 's now been long past 48 hours, and I still do n't have an update. I informed the representative that I was actually relying on the funds and that I needed an update soon. If not, I was going to look elsewhere. She stated to me that they 've already pulled my credit, and that the loan would be approved or denied by the end of the business day yesterday. She also advised that if I did n't see an update, that I should just go ahead and cancel my application with them and go to another bank. 

At this point - I 'm not even going to call anymore. I am writing this complaint to inform the CFPB of TD Bank 's false advertisement, and marketing scheme.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (WV)

XXXX Colleges, operating under the name XXXX XXXX, in XXXX XXXX, WV promised to enroll me into an XXXX program that did not exist. Their pitch was " complete the XXXX program and you will then move to the XXXX program. '' Midway through the XXXX program, I learned that no XXXX program existed for XXXX XXXX in West Virginia. I completed the program because I was too far in to turn back. I received a " Genesis '' loan that is now owned by University XXXX XXXX.
Consumer complaint received 2016-08-04
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Van Ru Credit Corporation (IL)

I was contacted by Van Ru Credit Corporation 5 times in one day. They would hang up each time I would answer after my answering machine would pick up. When I finally spoke to them, they told me to press my suit that I have a court date coming up. That if I do not pay my bill they will take my home, and my children will be homeless. 

When I called and asked to speak to the President or owner I was told XXXX XXXX does not speak to losers. That he was on his yacht on vacation.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

I originated a loan with Suntrust Mortgage XX/XX/2005. I have been paying my mortgage consistently since XX/XX/2005. However, of my payments are not being recorded effecting both my credit rating and interest rates. Although, I am able to provide receipts from Suntrust of paid payment, the payments are not reflecting on my statements.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (FL)

WF CRD SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WF CRD SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WF CRD SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-01-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have been trying to work out a deal with my bank to sell my house as a short sale. I hired XXXX XXXX with XXXX XXXX to help me with this. XXXX XXXX and XXXX XXXX from his team collected all the paperwork and submitted everything to the bank in the beginning of XXXX. XXXX was calling everyday and being told they could not speak to her because they had n't looked at the paperwork. They finally looked at the paperwork almost 20 days later. Now they are saying they will not accept it and that it is too close to the foreclosure date for me to do anything. I already have a signed contract of someone willing to buy my home.
Consumer complaint received 2016-07-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I contacted XXXX XXXX and XXXX to repair a solar panel on my roof. 
I paid them {$630.00} on XXXX/XXXX/2015 but it continued to leak so I called again & again. The last time they said the panel was too old to fix but they would come one last time at NO CHARGE, then sent me a bill for {$170.00} and it continued to leak, causing extensive damage to my roof! They had installed the panel so knew the age BEFORE they said they could fix it and took my {$630.00}! Then they turned over the account to Transworld Systems , Inc. Collection Agency for collection! I was lied to and taken advantage of.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX i closed my Wells Fargo Bank checking account # XXXX, because of their poor customer service and they wanted to start charging me monthly fees. Before i closed it i complaint to their Corporate office about their poor customer service and the new monthly fees. When i closed my account the balance was {$000.00}, that 's why they closed it otherwise if there is a balance the account stays open. After six months when i tried to open a checking account with another Bank i could n't, because they reported me to XXXX that i have a unpaid balance. Still today i ca n't open a checking account with a Bank, because of Wells Fargo. Obviously their claim is Fraudulent and Malicious with purpose of revenge for my complaint. Wells Fargo is a Bank with Criminal record against millions of consumers during the " Real Estate Ponzi Scheme '' of 2008 and before. Since then continue to defraud consumers with new kind of fees and other Gimmicks. I am surprised that CFPB and the Government allow Criminal Banks like Wells Fargo to be in business today. It seems that in America Laws apply for " petty thieves '' not for " XXXX XXXX Criminals ''.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAP ONE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAP ONE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAP ONE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2016-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Pinnacle Credit Services, LLC (FL)

I had a XXXX cell phone account in XX/XX/XXXX. I moved in XX/XX/XXXX to a different address in the same state. I did not know that I had a residual balance on my account of XXXX cents. Pinnacle Credit Services , LLC reported this account to both credit reporting agencies 2 months ago and this account is showing up on my credit report as a open collection. I tried to resolve this through XXXX XXXX disputing services to no avail. I did not contact this company or make any payments to a collection company on this account. I received a letter from Pinnacle Credit Services which I am attaching in which they admit and I quote that " Because of the age of your debt, Pinnacle Credit Services , LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency. '' They already did that 2 months ago! So they are still asking me for money and if I do pay it will be on my credit report as a closed collection for another 7 years! I would appreciate any help before I seek legal counsel. I am trying to buy a house and will not qualify for a bank loan with this on my credit report. Their dishonesty is costing me a home loan.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Previously submitted consumer complaint Case number : XXXX and case number XXXX about the Bank of America My Access Checking Account number ending in XXXX is STILL in question. In XXXX during a phone call with a Bank of America representative, I asked them to check about allegations of " Account Abuse '' Bank of America reported to XXXX rendering me unable to open a new account. It was only at that time they notified me I had an account number ending in XXXX which had been closed with a - {$530.00} balance. When asked why I was never notified via mail, email, phone, or any other means as this is the law when recovering a debt, I was told it was an " oversight ''. Not only that, in the time Bank of America claimed to have closed this negative account I owed {$530.00} on, I applied for, and was approved for a Bank of America Mortgage, and NEVER, NOT ONCE was this account or outstanding balance EVER mentioned. I was taken aback and confused as to how a creditor Bank of America can report " Account Abuse '', and not notify the debtor. MOREOVER when I login to my Bank of America account to check and pay my mortgage, the checking account in question, the account Bank of America claimed to have closed on XXXX XXXX, XXXX is STILL ACTIVE with a positive current balance. To clear my name, and clean my XXXX record, I agreed to be proactive and set up payment arrangements to clear this " debt ''. A consumer protection file was opened twice as I was never notified, and I could not fully understand how this is account abuse when under my Bank of America profile, there is a My Access Checking account number ending in XXXX opened 7 years ago with a current balance as of XXXX XXXX, XXXX of {$960.00} ( documents included ). So where exactly did the {$530.00} and {$11.00} I paid? This is the amount claimed by Bank of America to be owed to them go? It appears that Bank of America is the one who should be charged with account abuse.
Consumer complaint received 2016-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I was forced into foreclosure on my home and business by One West Bank and then BANK and XXXX changed names to Cit Bank NA, lied about any complaints against them and hired it 's unethical gang of lawyer thieves who stole my home and business with fraudulent mortgage documents like assignments of mortgage and sworn affidavits with blatant forgeries and notary frauds in a court room without answering because they all got the same crooked lawyer from XXXX XXXX XXXX, XXXX XXXX to commit fraud on the court and civil theft of my home after I already proved that BANK s misconduct was unjust actions, and lost paperwork and no accountAbility at Cit Bank NA. CIt BANK is a criminal enterprise to steal homes, for one west and XXXX XXXX and XXXX and XXXX and XXXX to enrich themselves by concealing this reprehensible fraud that is hard to uncover. Cit Bank regularly pays attorneys to deny homeowners due process and XXXX committed fraud and obstructed my and other mortgage modification applications. XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX and XXXX XXXX are all in collusion and have generated yet another limited liability company to steal homes illegally across the XXXX and through out Florida.
Consumer complaint received 2016-07-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY (FL)

An American Express representative, XXXX specifically told us to send our power of attorney and change in contact information ( with sensitive financial information ) to the fax number XXXX. The American Express representative stated this was an American Express fax number. 

After receiving a call from an unknown company that represented themselves as American Express at XXXX. It asked for our credit card number. 

We then directly contacted American Express. An American Express representative, XXXX, told us they received the fax but that they would only take hard copies, in spite of the earlier call. 

Although the American Express representative gave us a mailing address that was identified as an American Express address, it is not. It is the address for a company named XXXX. 

We again called American Express representative who told us that XXXX had no connection to American Express. She also verified that our account was not sent to a third party debt collector. 

This is fraud.
Consumer complaint received 2016-07-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Signed up for a Citigold account with a promotion code XXXX on XXXX/XXXX/16 that had a bonus of XXXX miles when meeting the promotional terms ( 2 consecutive bill pays and {$1000.00} spend on the debit card ). Met those terms, and asked for confirmation through secure message on XXXX/XXXX/16, and CSR confirmed that I have indeed met those terms and the miles will be credited after XXXX/XXXX/16 within 10 days. Miles have not posted, so I ask through secure message again, and on XXXX/XXXX/16 received notice saying that I was not eligible but will be receiving notice through the promotions department soon. I have not received any notice since. Upon searching through the CFPB database, there are hundreds, if not thousands, of cases similar to my situation, which means that Citibank knowingly tried to not honor the promotion to many of its customers.
Consumer complaint received 2016-07-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RFNA, LP (SC)

I have had several loans with this company, they sometimes send me a check in the mail. I have cashed before with no problems. This last time I cashed a check, the company called my number I listed on the check but I was at work and unable to answer. I have had my home phone disconnected since the last time I had a loan with them. I did n't even have the opportunity to call them back and I received a message from my sister in law saying she had received a call from this company. My loan is not due until XX/XX/XXXX, this call was made on XX/XX/XXXX. I called them back and the guy tried to make out like I had that number listed as my home number which is a flat out lie! I work finance also so I know the fdcpa laws and references are not to be contacted especially if loan is not past due. I have never been late on my loan. This is unfair debt practices and something needs to be done.