davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (PA)

I had called XXXX on XX/XX/XXXX to open a claim to an accident that happened on XX/XX/XXXX. I was on a three way call with XXXX and who I thought was an agent from Santander to finalize all of the information on the account and to have XXXX CLOSE the account with Santander. There was talks on faxing documents to XXXX ( from Santander ) when they received certain information from each other the loan would be taken care of. I had given my social, all personal information, and permission to have this done with Santander. I was under the impression the loan was closed out with Santander that day due to the information I was given from the " Santander '' agent. I received a letter of automatic payments coming out again from Santander. Upon calling them to check on the status of the closed loan, they had no record of me even calling. I had asked several times if he was sure and he said yes. I am afraid at this point my information is compromised, and that we didn't have a good phone number for Santander. I was three way 'd in so I do not know the number the agent from XXXX  had called. I reached out to XXXX to have them verify from me that on there end I had called and had the conversation and they confirmed everything with me for verifying I called and handled this on the XX/XX/2018.
Consumer complaint received 2018-03-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (MI)

I received a call on my business line from an unknown number at XXXX XXXX XX/XX/18. The person ( a woman? ) on the end of the line asked my name and to confirm my identity my providing my date of birth. I confirmed my name but I refused to give out my date of birth to the woman without her identifying herself or who she was calling on behalf of. 

After telling her this several times, she admitted that she was calling from the XXXX XXXX XXXX She said I owed {$700.00} to my former school and that I needed to pay immediately. She was incredibly rude and non-forthcoming. 

I questioned why I had not received previous correspondence about the amount I owed, especially considering that I have other accounts I have paid with XXXX XXXX XXXX. I then asked her why I would pay for something I had no bill or proof of ever owing. She did not respond to that, instead telling me again that I had to pay the full amount immediately. When I again asked her for proof, she told me that my account was transferred four times, but she did not clarify what that, transferred four times, meant. She only kept stating that it was by my former university. 

I then informed her that the law requires her to provide proof of any debt that I owe, and I had not received any letter or previous call detailing the debt she said I owed. 

After telling her, she had to provide proof of this debt, she said, " oh, so you want to contest this then? ". 

I told her that I will not pay for something I have not received proof or a bill for and that simply naming my college was not enough detail for me. 

I told her to send this information to my address and for her to never personally call me again. 

I called XXXX XXXX XXXX to speak to someone else about this supposed debt. I waited 20 mins to speak to someone before hanging up.
Consumer complaint received 2018-04-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was given the 80/20 mortgage by Wells Fargo Bank mortgage representative in XX/XX/2006. I did not asked for this type of mortgage. The mortgage representative gave me this type mortgage when I applied for it. Since then, I have tried numerous times to either modify or refinance my house, Wells Fargo has not been willing to help me. 
Now, I am at point, I am scared of loosing my house. 
I believe Wells Fargo is not willing to even modify my loan, mainly because they want to continue milking underprivileged consumers like me, as usual with the high interest rate.
Consumer complaint received 2018-03-27
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. (AZ)

In lateXX/XX/XXXX I discovered numerous accounts and information existing on my personal credit reports that was not mine. I disputed the them with all three credit bureaus, and most of the erroneous information was corrected. However, one or two accounts remained. I then contacted the FTC on XX/XX/XXXX, and opened an identity theft case.

With their help, I was able to institute a recovery plan to correct the remaining fraudulent information and was successful at effectively working with XXXX, XXXX, as well as the creditors in question, all of whom have corrected these inaccuracies.

Having said that, Equifax, after receiving my identity theft report and corresponding documentation via Certified Mail on XX/XX/XXXX, have proven extremely difficult and unprofessional to work with, and apparently they have decided to thumb their noses at any Federal Laws pertaining to credit reporting or identity theft by refusing to remove the last remaining fraudulent account from my credit file, even after the original creditor conceded to it's illegitimacy, thus violating the removal within 4 business days, or the 30 day removal of inaccurate information known to be unverifiable and inaccurate, Federal Laws.

Additionally, it seems they have " updated '' this one remaining fraudulent account to now list XXXX XXXX as the original creditor, ( from the previous XXXX XXXX XXXX ), and also alter the reported original date of delinquency to XX/XX/XXXX, ( from the previous XX/XX/XXXX), presumably in an effort to further victimize me and my family by re-aging this account to stay on their reports longer.

Please ... any help the CFPB can be in these regards would be greatly appreciated.

Thank you
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (CA)

I was attending XXXX XXXX XXXX with a personal trainer cause me to get tendentious in my elbow because they had me lifting XXXX weight and i should of started at XXXX and worked my way up. my doctor told me they didn't know what there doing because is shouldn't of gotten tendentious that still occasionally hurts to this day. I told them i wanted to end the member ship due to me getting injured and the company person told me no.
Consumer complaint received 2018-03-27
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. (FL)

I have requested, via certified mail, that XXXX and Equifax remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not re-portable as per the FCRA, since they are inaccurate.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response except a confusing statement about not being able to identify me. I sent the same request many others have sent and got responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I open a account with capital one and i deposit money to my the bank a year ago. and i still have XXXX dollar in my account. 
they put my account on hold and close my account and say that i cant withdrawn my money and told me have a nice day. 

i think there was a FDIC act that and banking rule that they suppose to give you back your money and closeing your account becuase they choose not to do business anymore. 
for a period of time.
Consumer complaint received 2018-03-20
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I received a letter from the XXXX  stating that I was late with a payment ( I have never missed a payment with this company ) and my credit limit would be decreased due to the late payment. I spoke with a XXXX  Representative on XX/XX/XXXX regarding resolving this matter and to explain why my credit limit was decreased due to a late payment and also to have this unfair marking taken off my credit score. I explained to her that I was a XXXX  on a fixed income trying to purchase home and how this was unfair and effecting my credit score. I do not and did not request an increase in credit. I keep my accounts in excellent standing with XXXX XXXX  

The Rep. then provided me with the Consumer Resolution address and directed me to write a letter requesting for this to be removed from my credit, stating that my accounts are in excellent standing with their company and she ensured me the issue would be resolved immediately.

I drafted a letter to resolve the credit report issues and my concerns, stating the above-mentioned concerns and mailed it on XX/XX/XXXX. I HAVE NEVER received a response back until today XX/XX/XXXX. I received a letter that my credit limit was decreased AGAIN due to my credit score. NOT a delinquent late payment or any negative marks on my account.

I called today ( XX/XX/XXXX ), spoke to the resolution supervisor XXXX  ID : XXXX which had difficulty explaining why I did not receive a response back from my first letter, why this particular XXXX XXXX Card was being unfairly penalized ( decreased in limit ) and not the other six cards I have with this company. I explained to this representative my goals for this call was to have these marking removed from my credit report because this account and all six accounts with XXXX  are in excellent standing. I have never missed a payment with any of my accounts and I have XXXX balances with other accounts with their company. I explained that I am a teacher and I am currently in the process of buying a home and these unfair reports are impacting my credit score dramatically. He directed me to send a secured email through my XXXX XXXX  XXXX account sating the mentioned concerns. I explained to him that my letter did not get a response why would an email be any better? I needed someone to explain why a customer with perfect payment history with this bank being treated unfairly? As a consumer, I am doing the right things such as keeping my accounts with this company ( NEVER missed a payment ) in great standing and paying my bills on time why am I being punished for doing the correct thing?
Consumer complaint received 2018-03-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The Debt does not belong to the PERSON SUBMITTING THIS COMPLAINT and corrections have been made with the IRS. 

The following requests have been made to Bank of America, N.A. 

1. To provide Form XXXX and Form XXXX in regard to letter dated XX/XX/2018. 10 days were given to finalize this request. I need these forms to file Taxes. 

2. Requested ( repeatedly ) to have communication be in writing ONLY, yet they keep calling from number XXXX and I think XXXX also belongs to them. 

Currently awaiting their written response. Thank You.
Consumer complaint received 2018-03-27
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I refer to the letter dated XX/XX/2018 exchanged with the Bank of America [ signed by XXXX XXXX ] where following lengthy correspondence about my expected service as a XXXX  service they are concluding that they are not in a position to evaluate my feedback or I am being given this impression.

I kindly urge you to contact the XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, XXXX to establish a formal dialogue at the inter-governmental level, this seems to be missing to start with. The identity may be verified with the same government, specifically IDMO, whose office is at XXXX XXXX, XXXX XXXX, XXXX, XXXX.

You may make relevant correspondence accordingly such has been suggested even to the banking officials in question who claim to have other clients to attend to at the moment.

A framework for exchanging information at reasonable charges is surely missing.

I wish you all the best.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

OnXX/XX/XXXXI contacted Continental Finance ( XXXX XXXX XXXX ) about my bill. the call was recorded for quality assurance of course. I was told on that date that my bill was not due until XX/XX/XXXXbecause of my billing cycle. Well on XX/XX/ Continental Finance called and stated my payment was over due and I would be charged a late fee. This is a very shady practice of circumventing the payment agreements.
Consumer complaint received 2018-03-27
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: Santander Consumer USA Holdings Inc. (FL)

I requested a moratorium on my Auto loan for my XXXX XXXX XXXX in XX/XX/XXXX due to the passage of the natural disaster that was Hurricane Irma since i expected that my income and finances would inadvertently be affected by the crisis. I was granted the extension by Santander USA, with my next due date set for XX/XX/XXXX. On XX/XX/XXXX, Santander USA reported my account as being 30 days past due, citing the return of a payment in XX/XX/XXXX which was set up to be automatically be drawn from my bank account on XX/XX/XXXX. 
This was an unfair and unwarranted act ; and a clear case of the lending institution choosing to renege on its commitment to assist a customer who has been directly impacted by a natural disaster. I therefore ask for the assistance of the Consumer Financial Protection Bureau, in having this late payment removed from my credit report. All other attempts by me to have this rectified directly with Santander USA and the three major credit reporting agencies have failed. Copies of the relevant documents and communications are attached for your perusal.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP (NY)

We have two old business credit cards which were transferred from a different bank into XXXX XXXX XXXX. We no longer bank with Key Bank. 

We have called and written Key Bank merchant services on a number of occasions to notify them that we wish to close the old credit card account. 

They told us that we need to notify them in writing ; we did. Then, they told us that due to increased measures against identity theft, we need to call them to close the accounts ; we did. Now, in their most recent letter, they told us that we need to visit our local branch or contact a different phone number in order to close the accounts. 

On XX/XX/XXXX, we called merchant services, and we were told that the accounts are closed, and yet, we continue to receive bills. 

This is a scam. They are trying to keep this credit card open to collect fees.
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I went to XXXX in XXXX In where a employee of the same company I work cashed his check I presented my check from the same company was denied by XXXX XXXX XXXX XXXX. I called the phone provide by XXXX and was told they could not tell me why they refused my payroll check. I went to XXXX in XXXX In and XXXX in XXXX IL and they would not cash the check and again given the number for Certegy.. When calling the Automated system does not offer clear way to get information or clear way to dispute there decision. I went to Certegy web page and again no clear way to dispute there decision. The only thing I could see for information was to ask for a copy of my file. I requested the file and waited 2 weeks for it to arrive. While waiting I  earned another paycheck and decided to cash it with XXXX mobile deposit. Certegy again denied my check for deposit. At this time I had received my file from Certegy. On the first of six pages it lists all the checks I have cashed or presented for cashing. Beside the item it reads Authorized or Not Authorized reason below with a microscope 99 see reason below.. Under the list it says 99 this transaction fell outside Certegy Guidelines.. The next column is for outstanding items.. Nowhere on the six pages is the an explanation of code 99 other than whatever code 99 is my file was perfectly clear. Again in the six pages there is no place to dispute the decision or find out the reason for Certegy to turn down payroll checks that I work hard. My next action was to call Certegy at a different number that was given to me when they refused my paycheck. I spent an hour on the phone with there representative verifying Identity and going over my file and verifying funds in my employers account. She told me my file look good and did not see a reason for my paychecks not to be cashed. Then the representative told me there was nothing she could do and could not provide me with a dispute Certegys decision. So after all of this I found out they should cash my payroll check. They won't cash my payroll check and did not give me any explanation or way of disputing there action. I go to work and work hard as a bricklayer and Certegy has stop all options for me to cash my check without driving 200 miles to my employer financial institution.
Consumer complaint received 2018-03-27
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. (NY)

I am submitting this complaint about experian credit reporting agency and XXXX credit reporting agency. I have been disputing an account XXXX XXXX XXXX for months now. XXXX   finally deleted it off my credit report today. It is an account that has fraudulent charges that I had reported. This account does not belong reporting on my credit report and XXXX and experian are still not deleting it off my credit report.
Consumer complaint received 2018-03-27
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: WELLS FARGO & COMPANY (IA)

Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have had literally a series of unfortunate events from loss of job, eviction and then being hit head on by another driver on top of fighting XXXX. I have tried to explain this to Khols and each time they claim they understand and then try to collect payment that I unfortunately just do not have at this time which also makes me sad. Since XX/XX/2018 they have called 38 times and Im sure they will call again multiple times today. It is extremely stressful battling everything that I am and not only causing XXXX but making XXXX flare.
Consumer complaint received 2018-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have been in correspondence with Experian for the past three months regarding inaccuracies and errors that i believe are fraud. I have aked that these items be removed