davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I SENT TRANSUNION A LETTER AND THEY DID NOT RESPOND TO IT ENCLOSE IS THE LETTER I SENT THEM WITH MY CERTIFIED MAIL RECEIPT. I WOULD LIKE SOMETHING DONE ABOUT THIS MATTER ALL OF THE OTHER CREDIT BUREAUS HAVE RESPOND BUT TRANSUNION.
Consumer complaint received 2016-04-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data and Contact Management Solutions, LLC (WA)

I am writing on behalf of my mom 's estate in regard to the very poor service with events after her passing. I called XXXX after her passing and spoke to a XXXX rep in the deceased section around XXXX/XXXX/16. I asked that the card be cancelled and the final statement be sent to us to pay. I noted our intent to pay in full at that time, even though the XXXX rep noted we were not personally obligated to pay, only the estate was. The rep noted that a statement would be sent shortly and cancelled the card. 

XXXX did not send a final statement to us until XXXX/XXXX/16, only after a follow up call to XXXX on XXXX/XXXX/16. I was upset after having received a number of debt collection calls from DMC, which XXXX uses with on closed deceased account holders. 

We subsequently learned ( XXXX XXXX - XXXX/XXXX/16 ) from XXXX that the account was written off and turned over to a collection firm ( DCM Services XXXX XXXX XXXX XXXX MN XXXX ) that XXXX uses. 

The DCM firm stared to call around XXXX/XXXX/16 leaving no messages on why they were calling. Finally DCM got thru to me on XXXX ( DCM ref # XXXX ) to explain why they were calling. I told them we had not received the proof or support of a final statement, until I had proof it we would not pay. DCM noted they would put in a request to XXXX, which did not happen. The only thing DCM sent ( XX/XX/XXXX ) was a letter asking for info on whom to contact for payment. 

I then started to get daily calls on the matter, each from different persons at DCM, each one wanted to know when we would pay up. My response was send me proof of a final statement. Finally on XX/XX/XXXX the DCM rep started to ask about my mom 's estate and her assets that could be used to settle the amount. Which was very unprofessional. I told them I was ending the call. 

I then called XXXX direct on XX/XX/XXXX the XXXX rep was very helpful and noted that XXXX did not follow thru with our initial request of XX/XX/XXXX for the final statement and they would get one out shortly. I finally received it on XX/XX/XXXX and have enclosed the final check ( # XXXX ) in the amount of {$550.00}. As I refuse to deal with DCM. Please inform DCM that the amount has been received and paid in full and they are not to call us further on the matter. 

I would like a letter from XXXX that notes receipt of the {$550.00}, no further payment is due and DCM has been advised that no further calls are to be made to us. 

I will be filing a formal complain on DCM with the CFPB and states consumer affairs departments for XXXX and XXXX where I reside on the behavior of DCM and XXXX on the matter.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Experian is the only bureau that is DOUBLE reporting this inaccurate information. XXXX creditors are attempting to collect the same debt at the same time. It is erroneous and the other bureaus have fixed it, yet Experian claims it is valid. They are reporting XXXX XXXX XXXX old balance and charged off account $ XXXX ... 
They are also reporting XXXX XXXX XXXX XXXX for XXXX XXXX with the same debt & balance! How can XXXX creditors collect on the same debt? They ca n't because it is against the law in the FCRA.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Trans Union in regards to the glitch that happened last summer in XX/XX/XXXXand again in the beggining of the year XX/XX/XXXX where inquiries were deleted and then re added back to my report illegally due to the fact no one notified me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CT)

On two occasions, Wells Fargo intentionally ignored a wire transfer amendment from my issuing bank to my Wells Fargo ( XXXX XXXX, MN ) checking account, countered that they can not amend the wire transfer because they do not have the funds, but actually had the funds and withheld those funds from our checking account for two weeks, and then resent the funds back to the issuing bank minus a {$25.00} fee. Subsequently, I had to rewire those funds to my Wells Fargo account, and pay a whole new set of fees. 

This Wells Fargo scam of ignoring wire transfer amendments and blatantly lying about holding funds, all just to overcharge clients with multiple fees is just plain wrong. I have documented proof that Wells Fargo lied about the funds whereabouts and were withholding funds, all in an effort to avoid a simple wire transfer amendment, in order to steal from me ( either by ripping me off on fees, or possibly taking the whole {$1500.00} if I never insistently claimed to get the money back ). Shame on them. 

I tried to be reasonable, and only seek reimbursement for the fees charged after the blocking of the wire amendment/withholding of the funds. I did not seek damages for initial wire transfer fees, my time and frustrated efforts, or for the harm my son suffered for only having {$120.00} to live on for two weeks while Wells Fargo was withholding our funds. These fees in which I sought reimbursement were as follows : 1 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again 2 ) XXXX XXXX : Wells Fargo {$25.00} wire fee for returning funds, Wells Fargo {$16.00} wiring fee for receiving same funds again, XXXX {$30.00} wiring fee for issuing funds again. 

For the XXXX XXXX period, I had already deleted my email to XXXX XXXX of the XXXX XXXX branch requesting a refund of inappropriate fees. But will provide documentation if needed. Relatedly, I can provide original documents for each of the fees from XXXX and Wells Fargo from XXXX XXXX and XXXX XXXX upon request. 

Thus, I claimed {$140.00}. Wells Fargo not only refused, except for possibly {$16.00}. But stopped corresponding and would not return my calls, hoping that I would forget about it. Well, I am not going away, and would like you to help me to make them pay.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

We are a senior citizen married couple. We applied for a mortgage modification through our servicer Wells Fargo. We were approved for a Trial Period Plan starting in XXXX XXXX. When we were approved, we were current on our mortgage. We made our TPP payments in XXXX, XXXX, and XXXX, and got a permanent modification in XXXX. We had made an extra regular mortgage payment in XXXX, and Wells Fargo agreed to apply that extra payment as the XXXX TPP payment and part of the XXXX TPP payment. 

We never missed a payment on our mortgage -- we made our normal payment on time each month until the TPP, and made each TPP payment on time including XXXX XXXX and XXXX XXXX. However, Wells Fargo reported to the credit reporting bureaus that we were behind on payments in XXXX and XXXX XXXX. This negative reporting caused problems for us when we tried to qualify for a reverse mortgage. 

Our attorney notified Wells Fargo of the problem, but Wells Fargo claims that they report borrowers as late during TPPs even if the borrowers have made all of their payments on time. This seems wrong. They should report that we are making our payments on time and not make it look like we are missing payments when we are not. 

We have attached some documents from Wells Fargo showing that we made our payments on time.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Dear CFPB, I owed XXXX XXXX XXXX for a phone bill for wireless service in the amount of {$310.00} and due to nonpayment my account was suspended on XX/XX/XXXX. I wasn't able to access any service from XXXX XXXX XXXX after my account was suspended including the internet, so it was hard to pay my XXXX XXXX XXXX XXXX bill. 

Although my service was shut off, I was sent another bill for another service period from XXXX XXXX XXXX saying I owe {$410.00} on XX/XX/XXXX. I contact AT & T to dispute the amount, however I was later sent to collections. 

I eventually paid the collections agency ERC ( Enhanced Recovery Company ) over {$700.00} for the balance of the closed account. ERC sent the negative result to my credit report. It is ( XXXX ) still  impacted negatively today ( XX/XX/XXXX ). 

On XX/XX/XXXX and on XX/XX/XXXX, I called XXXX XXXX XXXX and ERC both and they say there is nothing they can do to fix the problem that they caused resulting in a negative report on my credit history, significantly lowering my credit score. 

I've attached the documents showing : 1. The service suspended ( email ) 2. The extra charge after the service was suspended ( email ) 3. The account being sent to collections ( email ) 4. The total balance after the account was closed ( email ) Thanks you
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

XXXX issues : 1. I newly arrived the USA on an XXXX in XXXX, 2012, but could not obtain a Social security number until XXXX, 2012. I rented an apartment with XXXX, paid with my XXXX-based credit cards ( because I could not open a USA account. On XXXX XXXX, XXXX refused to accept payment by credit anymore and required that I pay through a bank account ; which I could not. 

Aside from this difficulty, the apartment was bug-infested. I made XXXX complaints in XXXX that I could not for medical reasons continue to stay in the apartment. After XXXX unsuccessful attempts to debug the apartment, I was offered another equally bug infested one. I moved out of my bugs-infested rented apartment. Residence management failed to attend legal arbitration when I reported bug infestation to the Maryland Attorney General. I signed out properly from the residence, assured that my rental agreement was mutually resolved. Yet, debt collectors have been on me since 2012, seeking to collect grossly overinflated claimed-default. Claims of a default have been listed on my credit report. 

2. I applied for a credit card with XXXX ( 5 ) times. On each occasion XXXX incorrectly reported that my credit score was XXXX ( XXXX ) ; even after I showed evidence to the contrary. I have had to close my account with XXXX because I never got any explanation for the erroneous credit score. XXXX credit enquiries within 1 year has affected my credit report, forcing me to secure credit at high rates. That is just wrong.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re : Home Depot Credit Services/Citibank, N.A Home Depot Account number : XXXX & XXXX XX/XX/XXXX To Whom It May Concern : The reason I am filing this complaint with your agency is due to Home Depot/Citibank, N.A offering me a high APR interest rate of my Home Depot credit card account. On XX/XX/XXXX, when I applied for credit with Home Depot my credit scores were XXXX  XXXX & XXXX  XXXX, and I should have qualified for a lower APR interest rate. I also never miss any payments and my account never went into default and what is also upsetting that Home Depot also  refuses to apply any overpayments above the minimum to the promotional balance rather than all of it being applied to the revolving balance. I was never properly disclosed that I was told for that to happen I needed to contact the credit department to put in a request to have payments properly applied before promotion expire. According to the Home Depot agreement, Home Depot/Citibank, N.A on qualified account holders offered an APR interest rate between 17.99 % - 26.99 with credit approval. With my excellent credit score, I shouldve been offered a lower APR interest rate, instead of a 25.99 % APR interest rate. I believe Home Depot/Citi Bank shouldve offered me a lower APR interest rate instead of the regular interest rate of 25.99 % at the time when I have applied for the Home Depot account. I would greatly appreciate if you could please investigate this matter for due fairness. Thank you in advance for your prompt response regarding this critical issue. 

Respectfully, XXXX XXXX
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

Last year ( XX/XX/2015 ) I tried contacting XXXX that has my XXXX credit card. I 've had this card for years with them. I was running into financial hardship and wanted to notify them and see what kind of agreement we could make. I was trying to make sure that exorbitant fees were not going to accumulate. I had no problems with paying them before but everything was going to change. As of date of trying to contact them on the phone numerous times, exhausted of trying to deal with them humanely. I received the brunt of all their lies, interrogations, nastiness and no help resolving this matter. As of date i have about 28 different phone numbers from them or their " off shore '' call centers. HUNDREDS of dates and times they have called me in a very short time period. The very tiny amount of voice mails that they have left messages for me. I ca n't deal with all their shenanigans and games. They want FULL SOCIAL SECURITY number of mine. I would like to find out what I can do. This is ridiculous. Lawsuit against them. Their tactics.
Consumer complaint received 2017-01-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bayview has made 2 errors in processing our mortgage payments. We have made our mortgage payments before the due dates in order to avoid issues with Bayview. In the last 2 months they have bounced backed our payments XXXX for not being able to obtain the funds. Keep in mind our routing and checking numbers have not changed and the funds are still sitting in the bank. We called Bayview to make the payment over the phone and was told they can not process our payment due to a bounce back. There explanation is that an error could have ben made from the mortgage holder or there 3rd party system when processing payment. Again please keep in mind that we have made payments successfully for months with no issues, but they seem to get a system glitch and wont help us figure out why. Lasty I have read BBB complaints for this company and have found that this is a very common issue.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

I set up a payment schedule with Jefferson Capital to pay off my debt. I have my letter from them stating it is closed and paid in full, but they continue to report to the credit bureaus that i am deliquent in payments. They also have no records of the letter they have sent me and state i did not fulfill my agreement.
Consumer complaint received 2016-08-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

initially, i took out a payday loan with netcredit and I was unaware their interest rate was 99 percent which made it impossible to pay back. In addition, the amount would be double the loan amount and online payday loans are illegal in the state of Virginia. Net credit is affiliated with Nc Financial Solutions, LLC operates as a subsidiary of Cnu Online Holdings , LLC. They are not XXXX accredited and these companies are clearly crooks, unethical and practices illegal actions targeting consumers. Lastly, it does not matter whether a debt collector is legitimate which they are not. A legitimate debt collector who collects an illegal internet payday loan can get sued under the Fair Debt Collection Practices Act.
Consumer complaint received 2016-09-07
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (FL)

We have trying to close on a VA refinance with Freedom Mortgage since XXXX, 2016 - A company agent assured us we would close in XXXX, 2016, We followed up on every & anything additionally the company requested - This company holds our mortgage now - and every month they come up with something new & often redundant to seemingly delay the process - The current adjustable rate we have is due to change XXXX XXXX - The last excuse is that a " consumer fraud alert '' came up on our application so the closing is again pending until the underwriters investigate & remove that warning. I called today & spoke with a customer service rept & left messages for XXXX XXXX who usually sends out the notices to us - that the processing is delayed because of something - that they always have prior to her sending out the notices. 
WE were also promised a interest rate of XXXX - that the company has not locked in for us to date - but verbally agreed to after we complained about the initial rate was high and the loan officer assured us we would get the best offer if the rates went down since and the rates did drop.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc (NV)

PayPal Credit sold my debt to a debt collection company called XXXX with the following company email address - XXXX without notice. Both Paypal and XXXX XXXX company was misleading concerning who has the debt because they did not clearly identify themselves when clearly asked are you apart of Paypal or a debt collector. I was referred to the email. According to the Paypals arbitration agreement any disputes will be settled with attribution. The company did not follow or offer any remedy of arbitration before they sold the debt. XXXX of the agreement. Paypal also violated section XXXX of the agreement by sharing my information with the debt collector. It was not for marketing purposes it was to collect a debt. Before I had any options to dispute the debt ; the debt was sent to collections. Providing no chance to resolve the issue. Paypal always stated let me transfer you to our other department. Not informing me the debt was sent to collections. The action of the collection company and Paypal never stated in any communication on how to dispute the debt when in collection. However, Paypal did state how to dispute a debt before collection however not in collection. Before I could send any disputes, the account was placed with the collection agency and the notice the collection agency provided did not provide any information on how to resolve the issue except pay them money. The debt collector associated with Paypal violated the law. Specifically, What does the debt collector have to tell me about the debt? 
Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. The last option was not give to me. Both companies attempted to hide information from the consumer. As you can preview from the documents attached- Paypal and XXXX XXXX violated - False statements Laws - indicate that papers they send you are legal forms if they are n't. I would like Paypal and XXXX to remove the information from my credit report and mark the balance as paid in full and close the account so no one else can attempt to collect the debt in which both companies violated debt collection practices laws and arbitration laws.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc. (WA)

My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (TX)

Our story is incredibly too long and complicated to summarize in this short space. Please see attachments, most importantly Word document " CFPB Letter '' for full story and details. I met with our local JAG attorney at XXXX XXXX XXXX last week, XXXX XXXX, Field Representative for the Office of Servicemember Affairs branch of CFPB. He instructed me to file these documents with you in order to seek your immediate assistance. Thank you so much for your attention to our very URGENT case. 

On XXXX XXXX, 2016 we began the process with CitiMortgage for an assumption loan. After 3 weeks we finally received a XXXX page " Loan Application XXXX '' from Citi. They told us to complete only the highlighted portions, which did NOT include " Assets. '' Matter of fact " Assets '' was crossed out with a line by Citi employee. This is significant, as they used it as one of their reasons for denial! 

We completed the loan application and overnighted it on XXXX XXXX, 2016. On XXXX XXXX, 2016 ( after numerous unreturned phone calls for three days ) we and the holders of the assumption mortgage were both told that we had been sent a package with a list of documents for us to submit within XXXX days ( i.e. Proof of income, XXXX, any supporting documents to further explain line items on credit ). We never received that packet. After being misled by employees at Citi, we called their customer service and our situation was escalated to the Executive branch of customer service. 

On XXXX XXXX, 2016 we received a phone call and subsequent letter of decline stating 3 reasons for their denial : 1. Insufficient income for total obligations 2. Delinquent past or present credit obligations 3. Insufficient funds to close. It also stated our credit scores of XXXX and XXXX ( both above Citi 's minimum to qualify ). 

Based upon our understanding of banking practices and fair lending laws as explained to us by several attorneys now, including our local JAG office, we know we were denied the due process established by not only CitiMortgage, but also federal and state laws. Being military, we are an entire different class of applicants and have an entire different set of guidelines written by the Veterans Affairs ( VA ) that must be followed by servicers of VA loans. 

By not being given a level playing field, we wholeheartedly believe we were subjected to discriminatory lending practices because we are an XXXX XXXX military family.