davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I received an insurance claim check drawn on Bank of America ( BoA ), and took it to Bank of America to cash it. I am not a customer at BoA. They indicated they charged an {$8.00} fee for payroll checks ( it was not a payroll check, but i do work for the insurance company ). The issue i have is they REFUSED to give me the full amount of the check {$1000.00}, AND refused to give me a receipt for the amount of the fee. I am most concerned with the lack of a receipt. There is an issue as to whether it 's legal for the insurer to fail to pay the full amount of the claim, and without a receipt, i can not even prove they charged a fee. I mean, without the receipt, for all I know, the employees were skimming the cash off the top of my check, and lying about the fee applying to my check. For the record - I in no way believe that was what happened, because I can find extensive documentation of the existence of the fee, and the employees were very accommodating, except for being unable to have any way of giving me a receipt for the fee.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THERE ARE SEVERAL CREDIT INQUIRES XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED
Consumer complaint received 2017-01-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (CA)

I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( AD ASTRA RECOVERY ) twice under XXXX different account numbers
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I consolidated my student loans, however, Transunion reports the new consolidated balance as well as the pre-consolidated amount. As a result, my credit report indicates that I owe over $ XXXX in student loans and makes my debt looks exorbitant. I have disputed with Transunion and they have failed to acknowledge or correct this error.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: EXPERT GLOBAL SOLUTIONS, INC. (MI)

Multiple constant calls by robo dialer calling and hanging up constantly at XXXX seconds or XXXX seconds, leaves vmail once on occasion this a debt collection company information is given as follows E.G.S XXXX XXXX XXXX, XXXX PA XXXX. the company is using a number that is blocking caller id and comes up with only XXXX and number unavailable information was retrieved on company via voicemail message left one time on recording and third party contacting company and obtaining information about the company. -company refused to provide legal compliance information as well., on each day in XXXX starting on XXXX XXXX XXXX XXXX called again XXXX XXXX, then on XXXX call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, on XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX XXXX XXXX second call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX pm XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds ... .. The calls are Repeat and autodialing they are also blocking caller id and attempting to harass contact by repetitive calling and harassing these violate multiple FTC, FDCPA, CFPB Laws in accordance with the LAW.
Consumer complaint received 2016-08-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (NJ)

For over a year, Synchrony Bank has been issuing unsecured credit in my name. After countless letters and documents, the Bank continues to provide credit inquiries and harass me regarding its inappropriate and questionable behaviors. In XXXX XXXX the Bank opened a fraudulent XXXX account. After working through the tedious process the Bank sent me a vindication letter dated XXXX/XXXX/XXXX that stated, " Our investigation of the account has been completed, and the claim has been resolved in your favor. '' I trust that American public had to eat the charges as I am sure the Bank took the loss as a tax deduction. On XXXX XXXX, XXXX, I received a collection call regarding this account ; whereby, a collection representative attempted to make me pay for a {$660.00} jewelry item purchased at XXXX 's during XXXX XXXX. Synchrony Bank is a ruthless. As an identity fraud victim every other bank has acted in an understanding way.
Consumer complaint received 2016-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CA)

Okay I registered for ( XXXX school ) XXXX the school of XXXX in XX/XX/2011 and mid way through my mother fell gravely ill I had to quit the school. I was never certifieed or licensed and did not finish my schooling there. I feel that I was n't fully educated on how a school loan would effect my finances later on as it was my first time receiving XXXX ... .I also have seen how other school educate their students on the various components of the school loans and grants and I know for a fact I was not given that same education on loan awareness and now I still have this outstanding loan which is affecting my credit score and lifestyle. Please help me to resolve this issue immediately. Thank you
Consumer complaint received 2016-06-21
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (WI)

Threated to take legal action again after the case is closed. 
I was sued by Midland Funding company on XXXX/XXXX/XXXX and went to court and talked to their lawyer XXXX XXXX, and XXXX XXXX and agreed to pay {$150.00} per month until the debt is satisfied. I made my monthly payments for 3 months in a row and then I received a letter in the mail asking to call. I called and spoke to XXXX XXXX and he told me that {$150.00} is not longer the agreed amount and now they want {$300.00}. I told him I can not afford to pay {$300.00} a month. He than said that they would garnish my wages up to {$400.00}. He refused to work with me and kept telling me there was nothing I could do about this because it is all legal. XXXX. I have XXXX and was XXXX without work. This is why I got behind on my bills. XXXX said that getting a lawyer for myself would do nothing. He told me that I can do nothing about any of this. I either pay {$300.00} or they garnish my wages for around {$400.00} I also called Midland to get the date of the original debt and they told me I would need a letter stating that I am not represented by an attorney. The original debt was XX/XX/XXXX and Midland received the debt in XX/XX/XXXX. Why are they telling me I can not get an attorney and have not right to dispute anything that they want to do to me.
Consumer complaint received 2016-06-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage account I owed XXXX in XXXX XXXX I paid {$8800.00} in XXXX XXXX. And they are saying I owe XXXX.And in XXXX XXXX the statement says I owe XXXX. Then they charged me a late fee for what I paid my mortgage for a year ... .Wells Fargo Bank ....
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I ordered my credit report from XXXX XXXX and my Equifax report didnt come up. Ive been told this might be due to an error in my personal information you have on file. In this letter Ive included all of my current and correct personal information so this can be corrected. 
I have included the following information : Copy of my photo ID Proof of current address Please use these documents to verify my ID and make my credit report available. 
Also, please remove any name variations that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

Citi Bank Cards Customer Service has BLOCKED my accounts. 

Can not get any support fees, disputes, credits, and card retention. 

Six months of ZERO support. 

Elevated problem to Presidential Escalation and the managers NEVER responded back to solve numerous problems. 

XXXX XXXX XXXX, rudley hunup on me not willing to listen and resolve probelms. 

XXXX XXXX is a problem within teh XXXX chain of command with his bhostile attitude and unprofessional treatment.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (AZ)

I have been dealing with Chrysler Capital For months trying to get this taken care of. I 've spoken to many supervisors one was named XXXX. One was named XXXX. They never would call me back then I got transferred to the office of the president again, we will call you back nobody calls me back. I 'm having so many issues and they have tons of notes in the system on me but yet today I get a pay or were going to repossess your vehicle letter but yet they have not answered me on my issue and I do n't know what to do because I asked him to change my payment plan. So, I 'm waiting for them to answer me and get back to me and then I get this nasty letter. It has been months and I am so fed up. They have all the notes in their system and they even pulled some of the calls were I told him what I was told and they agree I was told that they could change my payments and yet here I am still waiting months later.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Consumer complaint received 2016-11-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (NY)

Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.
Consumer complaint received 2016-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MN)

I refinanced my mortgage with the original loan company that provided me my first time home owner loan. I was very comfortable with Envoy and their services. My refinanced loan was immediately flipped and now managed by PHH mortgage. I reduced my mortgage in my refinancing by a few hundred dollars. Now, under PHH mortgage they are charging me a " fee '' $ XXXX+ to pay my mortgage online?? I find this absolutely ridiculous in the day and age of online payment and really feel like they are taking advantage of folks. I do n't want to be even dealing with this company, received no notice of any of this occurring and really feel powerless and concerned.
Consumer complaint received 2017-01-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MA)

On XXXX XXXX, 2016 at XXXX a Treasurer of the XXXX XXXX XXXX of XXXX, MA received an email requesting the wiring of {$3600.00}. The email looked like it came from the XXXX President due to the return email address matching that of the XXXX President and the signature in the text. The email was actually a fraudulent email and the XXXX President had not sent it. 
Believing the funds were needed for a XXXX project, the Board Member went ahead and wired the money to a XXXX XXXX XXXX with an account held at Wells Fargo Bank, XXXX XXXX XXXX, XXXX, MS XXXX at XXXX on XXXX XXXX. 
Several hours after the transfer was complete, the Board Member realized that this was a fraudulent email and notified and filed a report with the XXXX Police Department. 
XXXX was already closed, so the Board Member was unable to contact them until the morning of XXXX XXXX. 
On XXXX XXXX at XXXX XXXX sent Wells Fargo a service request to let them know about the fraud. 
Wells Fargo responded at XXXX EST that the service request had been received. 
At XXXX EST on XXXX XXXX, {$3200.00} of the {$3600.00} was withdrawn in person at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX, MS . 

Wells Fargo, in communication with the Detective on the case, noted that they did not begin the process to put a hold on the account until XXXX XXXX. This is 24 hours after they were notified of the fraudulent activity. 
Additional funds were removed from the account through XXXX XXXX. Thus, the account was not put on hold on XXXX XXXX as stated by Wells Fargo. 

Wells Fargo notified XXXX that no funds were available for return on XXXX XXXX, even though the remainder of the funds, in the amount of {$450.00}, continued to be withdrawn from the account through XXXX XXXX. 

We have documentation from Wells Fargo and XXXX that supports all the above information.
Consumer complaint received 2016-06-21
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

RE : previous complaint # XXXX 1. This Complaint is filed pursuant to XXXX - Unfair Practices, and is directed specifically at non-compliance by XXXX. and Select Portfolio Servicing Inc. hereafter SPS Inc.. 

2. This complaint is related to a previous compliant recently filed with the CFPB, complaint # XXXX on XXXX XXXX, 2016. The complaint was submitted by the CFPB to XXXX and SPS Inc. on XXXX XXXX, 2016. I receive notification on XXXX XXXX, 2016 that the parties had in fact received notification or communications form CFPB on my behalf. However, XXXX XXXX, XXXX. and SPS Inc. failed to immediately stop all collection actions as required by FDCPA statute. 

3. Whereas, A non-judicial foreclosure advertisement of a SALE UNDER POWER of our property had already been schedule for XXXX XXXX, 2016, as reported in previous CFPB complaint # XXXX on XXXX XXXX, 2016 and was recorded and published with XXXX XXXX Georgia XXXX ( Daily Report Public Notice paper ) on XXXX XXXX, 2016 by XXXX. at the request of SPS Inc. See EXHIBIT-A. 

4. Please be advised that XXXX XXXX, XXXX. and SPS Inc. is violating the FDCPA by failing to cancel or otherwise stop all collection action after receipt of the complaint from CFPB, including any pending non-judicial foreclosure scale action. they have failed to give the required good faith and fair dealing notification of cancellation as required. 

5. XXXX XXXX, XXXX. and SPS after receiving affirmative communications form CFPB on my behalf, they are continuing to communicating with us regarding a debt by post card through third parties urging us to modify a purported loan. 

6. XXXX XXXX, XXXX. and SPS, after receiving affirmative communications form CFPB on my behalf is continuing to make threats through XXXX XXXX Mail to take action that can not legally be taken. 

Conculsion I now ask this agency to issue an administrative DEMAND, compelling SPS Inc. and XXXX to comply with FDCPA requirement to cease collection in accordance with the Statute. and provide evidence thereof.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a XXXX XXXX XXXX a creditor 's validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They were supposed to contact TransUnion Credit Reporting Agency in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX of last year, I opened a Citigold checking account that had a promotion offer. The promotion code is XXXX which outlines conditions to meet to get XXXX Aadvantage points. I met those requirements in XXXX 2016 and confirmed with Citi through Secure Message that I met the requirements. The secure message stated that my miles would be credited no later than XXXX/XXXX/16. That passed and I called up Citi to find out the status of my points. They started an internal investigation and came back saying that I qualified and would need to call into provide my Aadvantage account number ( this letter was dated XXXX/XXXX/16 ). I subsequently called in to provide my account number. They informed me that it would take 48 - 72 hours to process the transfer. For the last six weeks, I would secure message or call in to Citi 's customer service line to ask for a status update on my points. Each time, I was met with confusion as they did not know what happened and they would send an inquiry to their " back office '' with high importance. After six weeks, I am fed up with Citi 's unprofessional treatment and therefore am filing a complaint with the CFPB.
Consumer complaint received 2016-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (NY)

I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch. They responded with XXXX letters confirming that they will contact all credit agencies that they reported the wrong information. XXXX of the credit agencies have been reported with the removal of the wrong information. They still have not contacted XXXX since the letter was dated XX/XX/XXXX. I have contacted both the bank and XXXX and no further outcome is being investigated. I have both letters from Pacific Union Financial and proof of multiple certified mails.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {$70.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I 've made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions. (FL)

I received a phone call from a number and they asked for my fiance. When I said he was not available they hung up immediately. When I called the number back it was an automated recording that stated they were XXXX collections agency.