davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

This complain is follow up on previous complain CFPB Case # XXXX On XX/XX/XXXX I contacted Citi Bank in regards to 5 transactions on my account which I did not authorize & I don't know where my money went. Those transactions were following dates & amounts : XX/XX/XXXX {$13000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$18000.00} XX/XX/XXXX {$18000.00} Total amount I disputed was {$80000.00}, Citi Bank gave me a name where those transaction went through & I did not recognize that name. Citi Bank advise me that they will investigate it & credit my account. I even called that bank also & i was told that there was no account under my name at that bank told me in order to investigate I have to file dispute with Citi Bank. I was told that I need to open a new account and close old one. 
I opened new account with Citi Bank at XXXX branch, after few days they closed my account also & nobody knew any answer & was told that I would get a check in the mail. 
on XX/XX/XXXX I received a check in the amount of {$83000.00} which i deposit in my capital one account which was later returned as stop payment. Since than I am getting run around from Citi Bank. 
I just need my money back & Citi Bank is claiming that those ach transactions I did it, than I need proof if I did it, what kind of investigation Citi Bank did it & which account money went to because that bank did not have any record for that. 
In my opinion Citi Bank took my money or they lost it somewhere. 
I am trying to sort out with Consumer Financial & Citi Bank otherwise I am going to take legal action against Citi Bank.
Consumer complaint received 2018-04-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (TN)

On XX/XX/XXXX, My wife and I applied for a VA loan with BB & T. The original closing date given was XX/XX/XXXX. After 2 months of waiting, The Bank gave a new date of XX/XX/XXXX. On XX/XX/XXXX, the excuses being provided is that things are completed but not released. This are the same excuses that have been given for the past several days. 

The lack of effort to resolve the closing and paperwork has placed my family in a financial bind due to renter notice of leaving, moving company rescheduling, and several other foreseen problems with utilities and such. 

The processors have delayed the paperwork necessary to complete the loan process for over 10 weeks.
Consumer complaint received 2018-04-08
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: Bread Financial Holdings, Inc. (NY)

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by XXXX XXXX in XX/XX/2016 that I do not recall authorizing. 


This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Consumer complaint received 2018-04-08
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. (LA)

The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XX/XX/XXXXor a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL.

By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.
Consumer complaint received 2018-04-07
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: National Credit Adjusters, LLC (TX)

On XX/XX/18 I received an alert on my credit monitoring site that " National Credit Adjusters '' added a collection account to my credit reports. After some research of my own, the original creditor is listed as a company named " XXXX XXXX XXXX ''. Seems as though national credit adjusters purchased a debt from XXXX XXXX XXXX. Unfortunately this is a fraudulent loan obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never stepped foot into " XXXX  XXXX XXXX '' nor did I request their services. Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. Delete this account immediately.
Consumer complaint received 2018-04-06
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. (FL)

On XX/XX/16 and inquiry was made with this bank for a XXXX card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX has purchased a debt that I do not own and re-aged it placing false dates on it to make it reportable and collectable if you look at thier BBB history and complaint history as well as ripoff report they are  famous for false reporting have been sued and are known for this. please have them prove to you that this is an accurate collectable debt.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (KY)

I received an annual escrow disclosure statement from Mid America Mortgage company on XX/XX/2017 informing me that my escrow payment was going up {$200.00} a month due to a 473 % increase in my city taxes. This was not accurate and I have since been trying to request a new escrow analysis and updated payment. It has been over four months now that I have been requesting them to look into and resolve the issue, to no avail.
Consumer complaint received 2018-04-06
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I am alerting the CFPB that Navient continues to report a student loan that was to be expunged from my credit report as part of a class action settlement. I co-signed for the loan what was taken out for XXXX XXXX for the California XXXX XXXX XXXX that XXXX attended from XX/XX/XXXX-XX/XX/XXXX. We were making payments on time during the repayment period, later we were part of a class-action lawsuit against the school for misrepresentation and eventually won a settlement for full forgiveness of the loan ( See Paragraph 4 of the enclosed settlement, that forgives all amounts due ).

We continued making prompt payment during the litigation and only stopped payment after we were advised by the lawyers representing the class-action that it was ok to do so the settlement was underway. 
However, despite this settlement and agreement from Navient that we made inXX/XX/XXXX to expunge the loan from our credit reports, the account is still showing up on my credit report as an unpaid charge-off account and with late payments for XXXX andXX/XX/XXXX Both these reportings are incorrect. I have enclosed my payment history with Navient that shows no lapses. 


Attached : Excerpt of my latest credit report ( show 's Navient reporting unpaid charge-off ) Copy of Class Action Settlement against Servicer & School Prior Payment history with Navient
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied for this credit card, and was never taught anything about credit growing up, which is something I definitely feel should be taught in school. I lost my Mother when I was XXXX and my Father when I was XXXX. Now as a XXXX year old woman, I have found out that credit is extremely important and all I want to do is fix it and use the information I have used, by self teaching, to maintain my credit responsibly. 

When I got the card, my boyfriend was working and helped me pay my credit card bill. I used the credit card and paid my friends down payment on her car, and she failed to pay me the {$100.00} back. My boyfriend 's job started cutting back on hours and sending them home early, causing his checks to be extremely short. 

This account remains on my account although it has been closed and I would love for this matter to be resolved
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

After Equifax breach, Equifax gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC (NM)

I received an offer in mail about a credit card loan consolidation offer. They had my outstanding balance and average credit card percentage listed. The offer listed a offer for a lower rate along with my propossed new monthly payment should I accept the offer. The proposed new montly payment was much lower.
Consumer complaint received 2018-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I attempted to transfer money from my Wells Fargo account to my Father 's XXXX XXXX account via XXXX. I had previously received a transfer from my sister via XXXX and had no problems. I entered my fathers name and cell phone number into the system and transferred {$870.00} to him to be done immediately. A confirmation number of the transfer was sent to my fathers phone number from XXXX   XXXX XXXX. My father not having the funds in his account contacted me to follow up. I contacted Wells Fargo and reported the funds were not received by my father at XXXX XXXX and that he received a notice from XXXX XXXX XXXX confirming the transfer. Wells Fargo said they would investigate. My father received a phone call on his cellphone in the next couple of days from XXXX  XXXX XXXX indicating that there was fraudulent activity on the account. When he contacted XXXX  XXXX XXXX they told him that they could not discuss the matter with him as he had no account there. Wells Fargo sent me a letter about 2 weeks later stating that they had completed the transfer as asked and disclaimed all responsibility in the transaction. In fact the person who I talked to on the phone after receiving the letter indicated that " I had to learn the hard way on how to deal with XXXX. Wells Fargo claimed that the name on the XXXX XXXX XXXX account and the cellphone matched so they were absolved of any responsibility. Apparently there is no verification of the name on the account by XXXX upon transfers. XXXX XXXX XXXX refuses to confirm the identity of the individual whose account the funds were transferred into as well. Meanwhile I am stuck out {$870.00} for transferring funds to my father whose cellphone was on him and has received all the confirmations of the transfer as some random party was given the funds.
Consumer complaint received 2018-04-08
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

I had a Wells Fargo Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. Wells Fargo accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, Wells Fargo reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct.

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.
Consumer complaint received 2018-04-06
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. (TN)

On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MI)

I lost my job and my unemployment expired.i had a notice ( not sure what they were telling me. ) As soon as I had some money, which was in the beginning of XX/XX/XXXX, I sent them over {$2000.00}. They have not responded in any way. I have filed for XXXX XXXX XXXX and am waiting for a determination. 

I would like to talk to them about purchasing the house, as I now money available for me to purchase the home. Otherwise wil be homeless as i am single and do not have anywhere else I to live permanently.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Radius Global Solutions LLC (IL)

I was hired by XXXX, XXXX in XX/XX/XXXX. I was provided a corporate credit card ( XXXX ) to which I should apply all work-related travel expenses as well as expenses incurred as a remote employee. 

I was laid off by the company in XX/XX/XXXX. At the time, there were outstanding expense reports that I had submitted, but had not been approved. With the layoff, I lost the ability to sign in to XXXX XXXX and so was unable to view my submitted reports. 

I started receiving calls from XXXX shortly after being laid off stating I needed to work with XXXX  to have the balance paid. I attempted to do so, and after several emails ( email thread will be submitted as part of this complaint ), a company representative responded that, " As of XX/XX/XXXX all items on XXXX 's account have been submitted, approved and sent for payment. '' I received another call from XXXX on XX/XX/XXXX about a remaining balance of {$680.00} and contacted XXXX by email again to say that XXXX was expecting payment from XXXX by XX/XX/XXXX, and if XXXX  expected me to pay the outstanding charge, it would need to provide me documentation of what they were claiming was my responsibility. 

I heard nothing further from the company nor from XXXX so I assumed the matter closed ... until this morning, XX/XX/XXXX when I received a call from XXXX XXXX XXXX ( XXXX XXXX ) stating I owed XXXX $ XXXX and that a XXXX representative stated I was responsible for the charges. I told the agency that I am not responsible for the charges and that they would need to provide documentation of any outstanding charges XXXX deemed " personal '' in nature. The agency rep responded that XXXX XXXX, XXXX 's Assistant Treasurer, told them I am responsible, but did not provide any further documentation about the case. 

I am unable to access XXXX systems, nor can I access transaction info on the XXXX site since the card is cancelled and has been sent to collections.
Consumer complaint received 2018-02-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIRSTBANK (AZ)

I opened a bank account with XXXX located XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and every paper I signed, I asked if my credit will be affected. They said no, and I continued to agree. Little did I know that they placed a reserve account which is a small line of Credit that I absolutely do not need. After looking though my credit score, it has dropped 20 points due to this issue. I called them right away and said they will fix this issue. They proceeded to cancel the cash reserve and will call me me back once the issue is resolved. Couple of hours later, they called and said there is nothing they can do and already talked to their compliance team. Keep in mind, they already canceled the service and now I do not have this cash reserve which dropped me 20 points, and this still on my credit report. This is simply not fair and very shady.