davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

I 've been having problems with BBVA compass bank. I 've been having some rough finacial problems and I let the company 's know this. I 've asked if they could close my account and they said no because it was in the negative zone. I then asked if they could some how put my account on hold or freeze it and again they said no. Some months back i called BBVA compass bank if they could help me out. they said yes and that i would have some peace of mind. They told me they would help me out that for 6 months the credit card companys would not touch my account. they said i would have to go to the bank that day and they were going to fax me some documents saying they were going to stop any other and or farther transaction and that I would have to sign them and I would send them back. After I signed those papers I was told to call back to notify them that I signed and faxed them back. When i told them about it they were going to send me another set of papers and as soon as i would recieve them to sign them and then send them back as soon as possible which i did. Thinking they were going to help me I called on XXXX XXXX, 2015 to check if I owed the amount I was told 3 months back, I heard the recording and was shocked. It has accumlated over time after i was told would no longer be touched. I went today to discuss about this and the banker that was helping me didnt really help me he made a call and i had to discuss the matter with the women on the phone. I was told that they never recived the papers that i had to SIGN AND FAXED TO THEM WHICH I DID! She also said my account would continue to accumulate and could n't do anything about it. She then said i was responsible for the papers which again i did send and was putting the fault on me. I told her if she was blaming me for there mistake and she said no. In the end I was left with no one to help me. And then found this by a friend. I 'm hoping you can help me because there is no one else to turn to. I 'm willing to pay what I owe there as long as they can stop it and take no more.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX applied for XXXX loans to get a XXXX submariner and was rejected. He subsequently used a Capital One Credit Card to make the purchase. All security channels deemed it high-risk except XXXX. XXXX cleared it and so we shipped the watch. An adjustment was made in the order when I informed him that the specific model he ordered was no longer made by XXXX and under their warranty. After which, I refunded him the difference. The watch was shipped. He returned the watch, but the watch weighed less that it did when we shipped it. We subsequently, returned the watch to him. He submitted a chargeback claim stating that he never received the watch. However, that is not true. Accordingly, Capital One did a chargeback on the transaction and XXXX XXXX has his {$13000.00} and the {$13000.00} XXXX watch. Since we have been negatively impacted by credit rating and with XXXX, we request that we receive our money plus expenses.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

In  XXXX   XXXX  I received a letter fr om Afni Collections , Inc. regar ding a debt with  XXXX  as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt.    2.  Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.    3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate.     Within 30 days of my second letter I received another letter fr om Afni but all  they included of the requested items above was a bill. The bill reflects a bill period of  XXXX   XXXX  -  XXXX   XXXX   XXXX  and the same name as mine with an address in New York ... the bill shows the following devices :  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with  XXXX  for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my  XXXX  taxes in early  XXXX  I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My  XXXX  filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any  XXXX  account or reflect such neglected behavior which I stated  to Afni in  my last letter to them. This is not my debt and  Afni nee ds to cease their actions towards me.     Kind regards
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (IL)

RushCard has somehow offloaded all its clients funds to never land! I ca n't access my account. Ca n't get thru to customer service. No explanation from RushCard. I 've called, been hung up on and on hold for a XXXX ... then hung up on again. I do n't know what 's going on, but I want my money! I 'm being told by their app that I have no cash ... when indeed I just got direct deposit which was released to their banks ... no lost ... Help! Only thru XXXX did I figure out what was going on .... I followed RushCard instructions and to no avail ....
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Bank located at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX place fales and negative information on all XXXX credit bureaus. I proved to them that I was a victim of identify theft with copies of the IRS, FBI and Police report that some unauthorized person used my credit card without my permission. I paid what was mine portion and received a letter from their collection agency XXXX which states. This Account has been settled in full ''. They still refuse to comply with FCRA rules and ignore all communication. this is destroying my pesonal credit and I need your help.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

The California XXXX XXXX has demanded payments since XX/XX/XXXX, of which, any obligations have been barred by the maximum application California Statute of Limitations of four years on a contract debt. Up until last year, XX/XX/XXXX, it sought payment, with alleged interests of 10 % on an old account, in the amount of {$4900.00}. There has been no filing of a lawsuit to which I have been served, nor can I find a record of any judgment against me in this claim.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I have a XXXX corporate accounts with US Bank, XXXX checking and XXXX Money Market. I am the single and only shareholder to the corporation there are no other signers or anyone else authorized on my accounts. On XXXX XXXX, 2015, my corporate bank accounts and information were breached by XXXX XXXX XXXX manager of US Bank. My ex husband went into US National Bank and without my knowledge or permission obtain from XXXX XXXX XXXX my corporate bank account numbers and their balances, XXXX XXXX the bank manager, took it a step further and provided the corporations profile which included the Federal Tax I '' D #. Currently, there is a restraining order against my ex-husband which my branch of US Bank is well aware of. My ex-husband went to a branch where he knew the manager in order to illicit and obtain information that he was not privy to. At the time I open the account XX/XX/XXXX with US Bank, I was required to put in writing any other person or persons authorized on the account and all shareholders, which there were none, again, XX/XX/XXXX, I was required to provide the same information. 
XXXX XXXX at the time he accesses the accounts for my ex-husband could clearly see that his name was not on any of the accounts for XXXX XXXX XXXX XXXX, and if there were any doubts, a quick telephone call to my opening branch would have confirmed the following : My ex husband is not part of the corporation in any form and there is a restraining order against him and he is not on any of the corporate accounts nor has he ever been. Now knowing this information it is completely baffling to me, that anyone could walk off the streets and present absolutely XXXX and obtain bank statements, corporate profile, tax id number. By XXXX XXXX providing the Tax ID number and profile to my ex husband this has caused catastrophic harm to me both financially and medically. This action by US Bank has set back and impeded my recovery from recent XXXX, and more recent XXXX. I am expending energy, time and resources which I do not have on US Bank 's egregious and willful act.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

I paid off my home loan in full XXXX XXXX, 2015 to Bayview Loan Servicing in the amount of {$360000.00}. I have not received a lien release or the return of my promissory note. I have repeatedly called and requested both documents. They refuse to even tell me when I will receive them. At this point I am helpless to clear the title on my property. There must be a period of time within which they are required to provide these documents. Please assist me in obtaining them to clear title to my property
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX XXXX listed, never lived in a XXXX XXXX , my current address isXXXX XXXX XXXX, Ct XXXX
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

XXXX XXXX I set up a joint account for my mother and I. We needed a way to share funds because we are purchasing a house together. I signed up for an account online. I received an email stating I needed to send a bank statement to verify my identity, so I sent XXXX. I later received a call saying that was n't good enough because they tried calling my credit union to verify my information but the credit union would n't share information. Why call my credit union when everyone knows they 're not going to give out my information? Why ever ask for the bank statement in the first place if the statement itself was n't enough? 

So then they asked for more information. I clearly explained to the person on the phone that I was at a new address and did not have any bills at the new address yet and my license still had my old address. He said I could send a copy of my license and a copy of a bill for the current address with my roommate 's info and that would be sufficient. I sent XXXX items and did not get a request for any additional information. 

Then last week I got a check in the mail for my account balance and notification that my account was closed. When I called to find out why, they said the information was not sufficient. I asked why and they could not explain why because the notes did n't have any details. Then they said they could reopen the account. So I waited for a personal banker to get on the line, we went through my request, and they said I would be contacted within 1-2 days to let me know what information they needed to finish reopening the account. 

A week later I had n't heard from anything so I called back. After 10 minutes on the phone, someone finally said that I could not reopen an account that had been opened online. Why was I told differently the previous week? Why did I waste a week waiting for a phone call that was never going to come? They want me to start the process all over without being able to explain to me why the previous documents were not enough and what I can do differently to make sure the account opens correctly. They want me to risk wasting a bunch of time trying to open this account again. I have now wasted a month and a half trying to set up an account. A month and a half I could have been progressing on the house purchasing process. And all because Citi ca n't figure out what documents they want and how to do basic communication with a customer.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I recently signed up for XXXX XXXX service. Upon checking my Equifax credit report I found that XXXX issued a hard credit inquiry without asking for my permission. I would like to file a complaint for this unauthorized action and ask that XXXX take action to remove this inquiry removed from all of my credit reports.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (TX)

I am a XXXX single women living on a fixed income. 
I took out a title loan with Title MAX for {$3200.00} in XXXX of 2014. I understood that I would have a payment of {$410.00} each month until I reached the total {$3600.00} which was the loan plus interest. 
After XXXX payments of {$410.00} each month or {$3300.00} I still owed {$3200.00} of principle and another {$410.00} of interest. 
When I realized that the payments were only fees I asked the women at Title Max " do you expect me to pay this every month and not pay off the loan ever? If I had been told that I would have never taken the loan. " In the first week of XXXX I had an accident that totaled my car. Now Title MAX wants to keep {$3600.00} from my insurance settlement. Which means that I will have paid {$3700.00} for the loan which I had for less than a year. 
Now that I know how the loan was structured I have come to realize that Title MAX gave me the loan so they could get my car from me. 
Now since they are taking {$3600.00} from my settlement I will have only {$400.00} left and will not be able to replace my car.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (FL)

Restructured 7 yrs ago while in financial and terminal health crisis. Struggled through laborious process and ended up with a usurious 2nd mortgage with a baloon note. Husband died and I lost 60 % income. Mortgage now is over XXXX monthly income. Have been approached by company claiming to resolve the XXXX underwater position by getting mortgager thru TARP fundes to forgive XXXX. Offerring 2 % fixed over 40 yrs to a XXXX yr old widow if I pay XXXX for their service of applying with mortgager after minimal preapproval data provided. Language of " retainer '' contract indicates failure to provide any further documentation by deadlines can render contract void and no refund of retainer. My children think this is a scam but I am hopeful that there is at least partial truth in the availability of principal reduction with government assistance. I am not impoverished. I have XXXX per yr income but a significant debt structure. I have reduced the XXXX consumer debt my XXXX husband created to less than XXXX today. I am current on all payments but going XXXX in hole each month with only XXXX savings of any kind. I might survive financially another 6 months before having to declare bankruptcy which I consider lacking integrity. I want to pay back reasonable debt but hope that the predatory lending of my mortgager might be remedied to a more reasonable amount. XXXX was the mortgage before real estate market imploded - I have been told FMV is now XXXX. I have a 10.65 % 2nd mortgage with a baloon due in XXXX the 1st mortgage is 4.65 % for XXXX over 40 yrs due XXXX. I need help finding a resolution with integrity. If I must leave my home, I 'd like to do it with dignity. My hope is to keep the property.
Consumer complaint received 2015-08-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

XXXX As the listing agent, I received a conditional pre approval letter from Umpquah Bank. 30 days later - 4 days prior to closing - the loan was denied due to insufficient income! The lender at Umpquah said that the buyer 's financial documentation was not provided until 21 days after mutual acceptance of contract. At that point the lender discovered they could not qualify. I asked why we received a conditional loan approval and he said he always does that even if they are not pre-approved. I called his supervisor in XXXX, Oregon. To my dismay, she confirmed that is a common practice. Umpquah will provide a pre approval letter even if they know the buyer is not pre-approved. She went on to say it is my fault for not asking the right questions and just taking it for granted the pre approval was actually a pre approval. She said they do n't want to lose a buyer to another lender if they do n't provide a pre approval letter. I told her I think she is doing something against what the guidelines of the CFPB by providing a pre approval letter with zero income documentation. She said she is not doing anything wrong. The seller had a bidding war and chose this buyer based on pre-approval and other terms. If the buyer was not pre-approved, we would not have chosen this buyer. We lost time and money.
Consumer complaint received 2015-06-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

We recently refinanced our mortgage from an FHA loan to a conventional loan. Our loan was paid in full on XXXX/XXXX/15 and was expecting a refund of some interest paid since the payoff was valid until XXXX/XXXX/15 however my previous lender has told us that we are not entitled to any refund. I was very unhappy to find out that based on when our original loan documents were signed that interest is due on a monthly basis when a payoff is made and there is no per diem given. Apparently this policy is now changed since this process was found to be like a " prepayment penalty '', but I do not qualify under this change. I think this is very unfair to be charged almost a full month of interest when I really do not owe it! That is XXXX dollars that I will not be seeing back and I feel that should be changed. Why should we be penalized based on when our loan originally funded when the rule has now been changed!?!
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (OH)

I was at a Zale 's XXXX in XXXX, SC at XXXX XXXX shopping for engagement rings. I asked the saleswoman if she can see what I would qualify for to finance a ring. She said sure and took my information and ran the numbers for me. I told her thank you and I would have to think about what I wanted to do, so I left. About a week later I received an activated Zales Credit Card in the mail, even though I never gave consent to sign up for XXXX. I feel as though the saleswoman was misleading in the service she provided for me in that she gave no indication whatsoever that I was signing up for XXXX of their credit cards. When I called Zales they told me that they could n't do anything about it except close the account, which hurt my credit score. I would like this account to be removed from my report due to the misleading conduct of the saleswoman at the store.
Consumer complaint received 2015-11-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: USA DISCOUNTERS LTD (NC)

In XX/XX/XXXX, USA Discounters/USA Living filed a lawsuit in the state of Virginia for an account I opened on XX/XX/XXXX while serving as an XXXX Service-member. They charged me 18 % to 19.05 % interest rate and {$5.00} XXXX Specialist service fee. In XX/XX/XXXX, I was medically discharged from the service and could not make my payments on time or at all due to lack of or fixed XXXX income. In XX/XX/XXXX, I could not keep up with payments, and finally had to stop payments to USA Discounters in order to live. I offered USA Discounters to retrieve its merchandise several times prior to the lawsuit and was told they can not retrieve the merchandise. On XX/XX/XXXX, USA Discounters filed a lawsuit and was granted a judgment in the state of Virginia ( in which I could not attend court due to lack of funds to travel the distance ) instead of my home of residence which is out of the state of Virginia. I have not been employed since XX/XX/XXXX.
Consumer complaint received 2015-11-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants , Inc . 
XXXX XXXX XXXX, FL XXXXACCOUNT NUMBER : XXXXXX/XX/XXXX/XXXXXX/XX/XXXXToll Free : XXXX. 
Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Diversified Consultants or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Diversified Consultants , Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/1982XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX