davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK (TN)

I opened an account online with first Tennessee national bank it required a {$50.00} account balance to open it so I transferred {$50.00} from my financial institution to first Tennessee national bank they process my account they sent me a debit card with all the new account information A little bit of time passed I received a letter in the mail that based on a previous relationship that we have had they were not able to honor my account and they would refund my {$50.00} within 10 days of receiving the letter that was at the end of XXXX I called today XX/XX/XXXX to check on my {$50.00} and they told me that they the recovery department intercepted my {$50.00} for a balance owing that I had when I was a joint account holder.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I 'm complaining against this company for many reasons : # 1 I received documents after my FIRST dispute stating that they will no longer investigate any of the accounts that I disputed which is a violation of section 1681 - Congress states that once I notify the CRA 's that there are inaccuracies, they are required to investigate and provide results within 30 days. I continue to receive this same statement even though I clearly list my disputes and label what I is not accurate # 3 There are accounts that have had no udpates since 2015 which clearly shows that there have been no investigations whatsoever # 4 I 've requested the documents that they are using to verify these accounts as allowed under section 609 - Consumer disclosures - all documents contained in my files - Congress states that the bureaus are required to have these documents prior to reporting the accounts to ascertain that this information is valid, accurate and complete which means that there should be NO problem sending this information to me. Congress also states that the only legal form of verification is firsthand knowledge - that means that they must either be the actual creditor themselves or have the physical documentation - I require this information immediately to pass on to my attorney *I 've included my dispute letters, credit report, identification
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AZ)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, Rent Recovery Solutions License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA does not have a license, bond, certificate of authority to collect in the state of Arizona.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc (CA)

I bought this car never registered the car under my name. I then sold this car to a unknown person I cant remember the name. This happened 3 years ago. Its been a long time I 've did my part by releasing liability to DMV but for some reason they have no record. i send out for XXXX inquiry witch I paid {$20.00} for but when it came back my release of liability was not on their, I know I did it online for some reason it did not save under the DMV system. The collection agency told me if i forgot to enter millage or any little thing it would not accept it I 'm not sure if a did an error on my behalf but I 'm 100 % sure I did it. DMV never rejected my application. I did file the release of liability but like i side they have no proof. I 'm the kind of person that takes care of her responsibilities but at this time i find my self very upset because I 'm being charged for something that i know in took care of 3 years ago. I tried talking to the collection agency and letting them know what happened but they do n't seem want to dismiss the case they keep asking me for money. I actually gave them a {$25.00} dollar payment to keep them away. I do n't find it fair to have to pay for something that i do n't have and sold 3 years ago and knowing I did the release of liability. I have in closed copies of a new release of liability that DMV had me redo but the collection agency will not accept it. DMV said they should accept it but they want the date to be a date before it got towed away.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgements XXXX XXXX XXXX ( I never served with the appropriate paperwork informing me of these negative events reflecting on my CRA file. Please accurately report this information or delete from file. ) XXXX. Identification Number # XXXX Claim Amount {$0.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. Regards, XXXX XXXX XXXX
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I applied for a capital one card with a promotional code that was send to me and was approved for XXXX cards. One was for XXXX and the other XXXX When filing out the application I put in my personal information and received an alert that I had XXXX inquires on my credit report. I created a user name and password and was giving immediate access to my card and was able to use them. Capital one is decided that the promotional codes were sent out in error and it was a glitch. The company has since restricted access to my cards, I 've called the fraud team and they are giving no information. I want to know what I need to do as a consumer so that this does not affect my personal credit. I would have never applied for this card had I not received the email and I feel it was bait and switch. Another concern that I have is how will this be reported to the credit bureaus? How will my utilization be affected as thisis 30 % of my score. I do not feel it is fair for them to approve a card, mail it, then restrict it with an explanation to what happens next.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Despite the required advance notice required by law for credit card companies to close accounts, My Credit Cards were closed without any notice, reason, justification, or detailed explanation. A week or so after the accounts were closed I received letters stating the accounts would be closed due to inappropriate behavior. I inquired as to what this behavior was, as they had n't really been used in a while, and the only real thing I 'd done recently was file a complaint with the cfpb exercising my rights as one of my affected accounts USAA violated my consumer rights by placing a bunch of " transfer adjustments '' on one of my cards, with no warning, explanation or reason. When I inquired, I was told they reversed a billing dispute which had been finalized a year prior. Despite writing and telling me the billing dispute was found in my favor and final they still recharged me against the consumer laws, with no warning or explanation. They ignored my requests for documentation, yet have yet to even reaceive my monthly statemtn in months. As a result of filing a complaint, all of my credit cards were then closed without my knowledge. Only after they were closed did USAA send me anything telling me they were closed. However, they failed to provide a detailed explanation despite my repeated requests. Stating it was due to improper behavior, yet unable to comment or specify what this behavior was for each affected account.One of which had not been used in years.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

because of the mismanagement of funds by XXXX XXXX XXXX XXXX we were required to file bankruptcy ( chap XXXX ) in XXXX to save our home.on XXXX/XXXX/XXXX the bankruptcy was finished and cleared. during the bankruptcy our mortgage was transferred to shellpoint mortgage servicing co. immediately after the bankruptcy was finished ( XXXX/XXXX/XXXX ) shellpoint served us with a " notice of default and intent to accelerate '' in an attempt to collect {$19000.00} which they said was was still owed. we hired an attorney XXXX XXXX XXXX, and after almost a year shellpoint admitted that we were actually current and did not owe these sums. in the meantime they have reported us 3 months late on payments causing our credit to plummet a XXXX points.further they were paying our property taxes even though they were collecting escrow for them. in an attempt to get away from them we tried to refi our mortgage with XXXX XXXX XXXX but because of the poor credit score the rate was no different than with them so this is costing us approximately {$800.00} a month in extra money.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NC)

mortgage was last made a payment in XX/XX/XXXX to XXXX. Apparently, XXXX submitted a satisfactory paper work while we were settling the account in XX/XX/XXXX. Greentree aka ditech bought the account in XX/XX/XXXX. The company states that we have not paid the amount and that it was in XX/XX/XXXX that we last paid. Incorrect. the payment that they say they have received was actually when XXXX was in a class action law suit to return unfair fees to consumers ( this is what i 'm thinking it was, regardless, I never made a payment, I never asked to be part of a lawsuit, nothing. ) We 've disputed it multiple times as well as sent in the proof to credit agencies that we have satisfied this mortgage, but yet greentree aka ditech is harassing us. They call at least 20-50 times a day, they 've destroyed my credit, and have came to our home to harass us. They call our home and curse at us, even contacting us after we had representation from an attorney. Our attorney states that we do not owe them anything and that they ca n't pursue us legally. It even states on the XXXX letters they mail us that they ca n't legally pursue this matter. I need them removed from my credit. I need them to stop harassing me. They have altered the dates on my credit file to make it appear that I have defaulted payments which has not been the case. The last dispute these people lowered the amount by XXXX and they were allowed to stay on my credit. I feel unsafe and uneasy to leave my family due to the harassment via phone ( violent, nasty verbal threats ) and in person communication ( showing up at my home unannounced in a home ). I have attempted to be civil and work with the company. I have mailed them all the documentation. My attorney mailed them documentation, they refused to comply and refused to negotiate or listen. Unfortunately, they are fraudulently reporting and committing an illegal act with their actions. I insist that this be removed from all three of my credit scores. They went over 3 years without reporting on the report and suddenly showed up in XX/XX/XXXX. This is unfair and not legal. Please help me and my family.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax has incorrect account balances on accounts which were paid in full. The correct balances are reflected on XXXX so the company has reported. Also, accounts are reflected as discharged in BK when they were paid in full and not included in BK. There are state liens which are incorrect. I left the State of Ohio XXXX YEARS AGO. I have filed a dispute with Equifax but to no avail
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (PA)

I closed my account in person at the XXXX, NJ TD bank branch months ago. Then a month later I received a statement in the mail showing I had a negative balance for account # XXXX. I called and spoke with a representative and they assured me they fixed the error and I would not receive anymore such statements. Today I received another statement for this account showing a negative balance of XXXX dollars due to maintenance fees on an account that was supposed to be closed! I do n't know what else to do!
Consumer complaint received 2016-07-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, 2016 my aunt passed away who had XXXX bank accounts with TD Bank. Prior to her passing she told me that me & my son were named beneficiaries to all XXXX accounts plus others in other banks. On XXXX XXXX, 2016 my son & I went into the TD XXXX XXXX, NY branch to claim the accounts. We were told by the customer service rep that we were not the beneficiaries & that there were none listed & that we would need to go to XXXX Court to get Letters of Testementary to be able to get any information on these accounts. Since these accounts were totaling over XXXX we had no choice but to hire a Law Firm to handle the estate. The law Firm had to contact all immed family member plus the witnesses to the will & this caused much hardships for me & my son. After 3-4 months I was finally named Administrator of my aunts estate & given the paperwork from the NY XXXX Court that was needed to handle TD Bank. I went into Td Bank in XXXX XXXX, NY XXXX after leaving my lawyers office to close out these XXXX accounts & I requested to see all beneficiary forms attached to these accounts. At 1st the customer service rep tried telling me I had no right to see them, even with my letters of Testementary from the XXXX court. I called my Lawyer XXXX who did not agree with the bank & the Rep went to confer with the Bank Manager. He then came back & apologized that an error occurred. And showed me there in fact were Beneficiary forms for all XXXX accounts & that me & my son were the named beneficiarys. The original person made an error. I informed the bank of the Legal expenses I occurred from their mistake & told them I wanted to be reimbursed for those expenses ... They handed me a check made out to the estate of my aunt at that time as well, even after finding out there were in fact beneficiaries. They contacted their legal department & said I would hear back in a few days. My lawyer made me go back & demand payment to the beneficiarys as that is how payment should have been applied to begin with. The legal department 2 days later agreed to make XXXX checks to the beneficiaries and replaced the checks correctly. The legal department requested that my lawyer send them an invoice for services rendered for the estate. Which he did. They further asked for documentation of all work conducted & paid on the estate. Today my lawyer called me to say TD banks legal department decision is to not pay my legal fee 's incurred by their mistake and is trying to say that I would have needed to go to probate anyway and refuses to pay me my legal fee 's for their error. I can only imagine it is due to seeing her will which nothing actually passed thru, which we sent them a copy of. There is nothing else in the estate as all the other bank accounts were named beneficiaies to me and my son, her house was owned as rights of survivorship with me. I am filing my inventory with the XXXX court next week that has a XXXX balance of inventory as there is nothing in the estate.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (GA)

I contacted NCC in XX/XX/2015 and advised I did not owe any debt to XXXX, I sent the documents from XXXX confirming I had a XXXX balance with them and I owed nothing to them. This was sent to NCC who advised it would be removed within 30-60 days due to balance paid. I received no letter as well as debt is reporting on yardi rent bureau as well as it is affecting my credit. This company has not resolved this issue in a year which is unacceptable. Now I can not rent a new apartment due to this error by NCC.
Consumer complaint received 2016-11-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Armor Systems Corporation (IL)

Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. I even drove to the doctor office and they do n't know me or I do n't know them? they also had no file of me. 

and its still not resolved. They want even more info. this account is from fraud.
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Our monthly mortgage payment increased due to a shortage in the escrow account. To keep our monthly mortgage payment the same as before there was an escrow shortage, we had inquired as to the amount to be paid ( additional escrow amount ) to maintain the same monthly payment ; the service representative undertook some research and gave us a figure which we were assured, that when paid, the monthly mortgage amount due would be the same as it was before the escrow shortage. The shortage was paid in full whilst talking with the service representative. Due to the timing of the payment ( XX/XX/2016 ), the XXXX payment would be a higher amount with the XXXX payment reverting back to the same amount prior to the escrow shortage. Unfortunately, the XXXX mortgage amount due is {$210.00} higher than the amount prior to the escrow shortage. I contacted BBVA Compass and discussed this at length with them and was told that the monthly payment could not be lowered any further even if I made an additional escrow payment to cover any shortage.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XXXX/XXXX/2017, I filed complaint ( XXXX ) against Pentagon Federal Credit Union ( PFCU ), PFCU after receiving the CFPB 's complaint submission on XXXX/XXXX/2017 PFCU assigned XXXX XXXX TO MY DISPUTE but she closed it on XXXX/XXXX/2017 with no explaintion what so ever I had submitted documents via email that was linked to the dispute that I opened on XXXX/XXXX/2017 and since PFCU were backed logged due to the merger, did not review my dispute until CFPB 's complaint submission and now it was closed without any investigation according to XXXX nobody from PFCU contacted them either, why PFCU assigned XXXX XXXX? is it to satisfy the CFPB only and to closed because they are still backed logged I believe the dispute process may takes 30 to 60 days from opening and closing and other side has 30 days to respond to it that PFCU did n't do nor followed our agreement at time of obtains the credit card please reopen my complaint and check why it was closed prematurely I reported the fraud to PFCU and they replaced my credit card but $ XXXX+ {$320.00} of my money still that was not returned. Thanks.
Consumer complaint received 2017-01-12
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. Auto Credit Corporation (KY)

I am behind on my car payment not 30 days which is in my contract, the customer service representative that keeps calling is XXXX XXXX ( XXXX XXXX XXXX Ext XXXX. Yesterday, was really the last straw for me. She shared information about me to a Co-Worker about my debt problems. After I told her many of times please do n't call me on my job, that I get off at XXXX.
Consumer complaint received 2016-09-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (WA)

Third party collection agency has been harassing me for years over a dept. They came to my home and threw paperwork into the doorway when anyone answered the door. They garnished my bank account taking {$17.00} of my last {$20.00} ~ all the money I had to my name. I finally contacted them and worked out a payment plan, they were not flexible on the amount and insisted on {$100.00} a month ~ the only way I was able to do this was to stop filling one of my prescriptions. I paid off the entire balance of the principle ~ informed them in writing that my dept was paid in full. Now they are coming after me for there fees & fines and again threatening to garnish me. The harassment has gone over the top ~ it 's unfair and needs to stop immediately.