davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (IL)

In the year XX/XX/XXXX, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/XXXX. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -ALLY FINAN 1, XX/XX/XXXX -XXXX XXXX XXXX , XX/XX/XXXX -XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Improved Data Services LLC (CA)

The debt collector was calling and harassing friends and family members and telling them to get a message to me. When they said that they didnt know anything about what the collector was talking about they asked if I had committed fraud on the original application. I then started getting calls about how my social security number was being deactivated because they found out that someone was using it to commit fraud.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage, in letter received today from XXXX XXXX, SVP,  advises that loan XXXX in good standing for 14 years is being transferred to XXXX XXXX XXXX XXXX, effective XX/XX/2018 and that I will not be able to contact Wells Fargo about this loan after this date. 

NO EXPLANATION OR DISCLOSURE ON CHANGES TO LOAN SERVICING FEES OR LOAN TERMS AND CONDITIONS IS PROVIDED.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Capital One promotes a credit for Venture credit card customers whereby a purchase of XXXX XXXX or XXXX XXXX will be credited back to the account to fully offset the amount spent. This was promoted to me as a Venture One cardholder despite ( as I discovered months later when the credit never posted to my account ) that type of account being excluded from the promotion. The names are practically synonymous and there was no clear indication that Venture One accounts were excluded from the promotion. 

I attempted to resolve this directly via Capital One 's customer service, which is when I learned that the promotion directed at me was not, in fact, applicable to my type of account. I received several conflicting responses, was disconnected and had to start over with a new representative who gave a conflicting set of facts. No one at Capital One provided an explanation as to why the promotion was directed at me when my type of credit card was no eligible and no one offered to fix the problem by crediting my account.
Consumer complaint received 2018-01-11
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. (FL)

I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.
Consumer complaint received 2018-11-16
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate inaccurate accounts on my credit report, and respond within 30 days. They have not done so.
Consumer complaint received 2018-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (LA)

In XXXX I began contacting XXXX in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time G C Services had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XX/XX/XXXX and XX/XX/XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify G C Services that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by G C Services my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX I spoke with XXXX ID # XXXX of the CFPB who verified that Wells Fargo was in violation of the CFPB definition of refinance and was not in compliance see12 CFR PART 1026 ( REGULATION Z ) a ) Refinancings on the CFPB website, 1026.20 Disclosure requirements regarding post-consummation events. XXXX STATED THAT THE CFPB HIGHER UPS ARE AWARE of what is going on. 
THIS VERSION IS THE CURRENT REGULATION Search this regulation ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. A refinancing is a new transaction requiring new disclosures to the consumer. The new finance charge shall include any unearned portion of the old finance charge that is not credited to the existing obligation the refinance loan originated by Wells Fargo does not fit the definition of a refinance because the consumer is not the original consumer of the XXXX loan that was refinanced by Wells Fargo on XXXX. Furthermore the rider to the deed of trust renewal and extension exhibit caused us to suffer liabilities of a non served default judgement. XXXX XXXX ext. # XXXX of Wells fargo Executive Resolution department was very rude and dismissive and refused to explain in detail what part of the Texas constitution Article XVI Section 50a and XXXX XXXX guidelines authorizes a renewal and extension exhibit. Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX has been unfair, abusive and used deceptive trade practices on us the consumers. Relief requested is release of default judgement lien caused by unauthorized rider to deed of trust renewal and extension exhibit and release of deed of trust drafed by XXXX XXXX of Wells Fargo and note held by Wells Fargo Home Mortgage. DECEPTIVE TRADE PRACTICES BY WELLS FARGO HOME MORTGAGE who is only looking out for their own interest and only care about their lien position, they could careless of the financial harm and duress they have caused us. CFPB WILL YOU REGULATE WELLS FARGO ACCORDING TO YOUR OWN DEFINITION OF REFINANCE DIFFERENT We are a different CONSUMER!!! Our homestead has been removed by the appraisal district, taxes have went up drastically, property taxes are not in our name even though chain of title shows myself as owner, the taxes are not listed in our name and we are not authorized to pay a tax bill not in our name according to the Texas Property tax code yet XXXX XXXX Case # XXXX, XXXX XXXX XXXX case # XXXX and XXXX XXXX of Wells Fargo executive department, CFPB case # XXXX-XXXX, OCC case # XXXX have threatened pay the property taxes and put an escrow account on our loan and force us to break the Texas property code laws.
Consumer complaint received 2018-01-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Greentree & Associates (FL)

I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the XXXX XXXX XXXX company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older Green tree and associates Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I opened a checking account with Huntington Bank under a promotion " {$300.00} Bonus if you deposit {$2000.00} '' on XX/XX/XXXX. I met all of the requirements within 1 day. After a couple of months I called and messaged them to check on the bonus, which had n't posted yet. 

I was told that I needed the exact promo code I used to open the account. This was about 4 months after the account opening. Nowhere in the sign up process did it mention that I was required to save the promo code ( a ridiculous requirement to me ). I do vividly remember clicking the " {$300.00} bonus '' icon and then signing up for the checking account with the promotion clearly stated ( I had a screenshot that I was willing to share with them but it was saved on my work computer, where I am no longer employed ). 

Huntington kept telling me that if I did n't have the promo code they could do nothing ( who keeps a 4 month old promo code flyer? ) I believe this is unfair, since I met all of the terms of their promotion and was hoping that the CFPB could help me in getting this resolved. 

Thank you for your time and consideration.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

I was trying to payoff the balance of my mortgage with Feedom Mortgage. They would not quote a payoff over the phone or in the website. They said there is a {$30.00} charge for the payoff amount. I am not selling or refinancing my home. I sent a check from my banks bill pay for {$34000.00} which was the principal balance on my statement. The check was dated XX/XX/18. On XX/XX/18 I received a letter with the check enclosed saying the funds must be certified. I called customer service on XX/XX/18 and was told by the CSR that it was against the law to accept the check. I asked her what law she was referring to. She could not answer but said they could not accept more that {$9900.00}. I told her that was referring to CASH transactions, not from accepting checks. 
I feel that Freedom Mortgage is not acting in good faith and trying to put obstacles in my path to collect more interest and fees. Also, I found my loan agreement and Truth In Lending Disclosure from my loan and there is no mention of a {$30.00} payoff fee. ( I did not have to have it in writing ) I am now required to pay a fee to my bank to issue a cashiers check to pay the account plus an additional months interest on the loan.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-16
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

1. XXXX XXXX 2.XXXX XXXX
Consumer complaint received 2018-11-16
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: EQUIFAX, INC. (NY)

Equifax is completely unresposive when responding to complaints and inquiries about their reporting. After filing a complaint about false information they were giving out to creditors, they eventually issued a confirmation number to be used in viewing the resulting findings. However, in order to view the results, a questionaire must be filled out that asks about various accounts the inquirer may or may not have, and the answers must match what Equifax has on file. Since the information that Equifax has on file is false and inaccurate to begin with, their is no way to correctly answer the questions and the complaint findings can not be viewed. 
Equifax is committing fraud with this system ; they obviously have no intent of invesitgating or correcting the false infomation they provide to lenders. And they are equally unresponsive to phone inquiries ; demanding that the caller provide irrelevent and non-existant information before processing the complaint. 
Equifax if violating the rights of consumers and should be stopped or put out of buisness!!
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NC)

I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/XXXX. On XX/XX/XXXX, I received a credit card offer from Citi for a XXXX XXXX XXXX XXXX XXXXXXXX Credit Card. the Invitation number is XXXX. I spent an hour looking for ways to contact Citi, but I could not find any phone number to call. I have followed the permanent Opt-Out process and it appear that Citi is not using the data from XXXX or the XXXX XXXX XXXX to limit its unsolicited offers of credit, so I felt it is important to do a  formal complaint.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TN)

Original complaint submitted by me via CFPB on XX/XX/XXXX. Ad Astra responded for a XXXX XXXX on XX/XX/XXXX via CFPB. Second complaint filed via CFPB by me on XX/XX/XXXX. Ad Astra responded on XX/XX/XXXX that " In acknowledgement of this dispute, we have requested the account be reported with consumer reporting agencies as disputed. The account was placed in a do not contact status per the ongoing dispute. '' I am requesting this account to be removed during this on going dispute.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (VA)

I reviewed my credit and noticed that an account with XXXX XXXX XXXX in the amount of {$100.00} was being reported on my credit with the Original Creditor being XXXX XXXX. I never received any notice from this company regarding the debt. I called to make a payment to satisfy the debt and the rep XXXX XXXX advised me that XXXX XXXX no longer owed the debt and that it had been returned back to XXXX XXXX and that the collection account was closed. I advised the rep if they are no longer collecting on the account then my credit report needs to be updated to reflect. The rep kept repeating the same thing just stating that the account was returned to the Original Creditor and that it was closed. Repeatedly after not answering my question about the CBR reporting I asked to speak with a member of management and was advised that no manager was available. What type of professional establishment does not have a supervisor/manager available to handle escalated calls. The rep never addressed my question regarding how this account is being reflected on my credit and refused to let me speak to somebody above him. I advised the rep I would be filing a complaint and disconnected the call.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, Citi Bank did not renew my card. I inquired multiple times, including today, to work things out and they said it was because of credit score ( which is well over 700 ) and derogatory information ( have no clue ). I have had this Sears card for well over a decade and have almost always ( 99 % over 10 or 20+ years ) paid on time in amounts much greater than the  minimum. I've earned a lot of points over the years and those are no longer available either. I feel I've been unfairly treated and discriminated against in a manner which is driving my credit score down, and the victim of a company 's bad management attempting  to do unethical things to get them back into good standing. I feel I've been totally taken advantage of.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

My home mortgage has been with Roundpoint Mortgage. 

In XX/XX/XXXX, I paid {$270000.00} in addition to my monthly payment. That brought my loan to a total of just over {$2000.00}. 

Roundpoint turned off my autopayment without notifying me. They called to say I was late on my XXXX payment. This was a surprise. I requested the payoff letter. Roundpoint provided the  payoff letter. I then completed payment of the remaining balance for {$2100.00} per the payoff letter instructions ( removing the XX/XX/XXXX late fee amount per the customer service rep 's instruction - as she entered a request for it to be waived on XX/XX/XXXX ), going directly to XXXX XXXX XXXX to complete the transaction on XX/XX/XXXX. 

Roundpoint Mortgage continued to call, stating that I was delinquent in payment from XX/XX/XXXX. I then submitted to Roundpoint the transaction receipt from XXXX XXXX XXXX as payoff proof and requested that Roundpoint research this matter on XX/XX/XXXX to the email account that one of their customer service agents suggested. Roundpoint Mortgage sent an automatic receipt of reply, and they also sent a paper letter stating that they were reviewing this. 

To my ongoing surprise, Roundpoint continues to call me multiple times per week stating that I am delinquent in payments from XX/XX/XXXX. I received a letter dated XX/XX/XXXX that I am in default in the amount of {$4700.00}, which is greater than my remaining balance prior to payoff. 

Today I spoke with customer service at Roundpoint Mortgage. The agent was very helpful. He found my previous correspondence along with the payoff receipt, and apologized for the issue ( it is unclear why research was dropped ). He said he will work with accounting to locate the wired funds and reconcile payment for the remaining balance. He said he would follow up with me on this accounting issue. 

My concern is that I have spoken with multiple agents at Roundpoint Mortgage, the ball has been dropped more than once, and my credit is being threatened. 

I would like Roundpoint Mortgage to show that they have not inaccurately reported delinquent payments against my credit. 

Thank you for any help you can provide in this matter