davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2018, I had attempted to make a payment to my Capital One Quicksilver credit card using funds from my XXXX XXXX Checking Account. I am an extremely diligent consumer, with ( now ) 99 % on-time payment history. That particular day, XXXX XXXX had processed the payment, and the transaction even showed on my XXXX XXXX account the next day. However, the day after that, XXXX XXXX had pulled back the funds, resulting in a " missed payment, '' and on top of that, they had charged my {$35.00} for this unsuccessful bill payment. When I had gone to the institution ( XXXX  XXXX ) to close the account as it had not been the first time I was charged the same fee for unsuccessful payments and at the time I had been frustrated by the recurring situation, they had suggested that I switch to a student account that protects me from unknown or delayed NSF situations - an offer they did not give me in the beginning even though they were aware that I had been a college student when I first applied for a checking account with them. Though I chose to remain with them, the situation caused me to go down from 100 % on-time payment history to 99 %, which subsequently effects my overall credit score.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

I keep getting phone calls from a supposedly debt collector, " Southwest Credit Systems. '' The caller does not leave any voicemail. When I call the phone number back, the automatic response goes " all call may be monitor or recorded '' and " this is an attempt to collect debt and any information obtained will be used for that purpose. '' I talked with an actual person when I press XXXX for a representative. I asked the person whether or not that " South West Credit Systems '' is a legal business and she had to refer to her supervisor was probably standing beside her because I heard whispering. She said she can not answer that question. I then ask what is the company 's phone number ; she was short with me and said that it is whatever number I called. I repeated the same question, but she would not say. I asked for the company 's address and she said it is somewhere in Texas. When it was too much for her to answer my simple question, she said that she could not speak to a third party ( who I am supposedly ). 

The following phone numbers are the calls I get from " Southwest Credit Systems '' XXXX XXXX XXXX XXXX XXXX XXXX I looked up Southwest Credit Systems ( XXXXXXXX XXXX ) , and it does exist but with an area code of XXXX in Texas. That company has a tarnished reputation from all the reviews I read. I am sure the scammers are using Southwest Credit Systems 's name for legitimate appearances.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

I am writing this letter to request your assistance with keeping my home. I requested assistance from my lender but their Decision Letter ( Page 1, 3nd paragraph ) stated although I may have a hardship, I do not qualify for the Home owners Assistance Programs listed on their evaluation summary. XXXX See attached documentation. ) On XX/XX/XXXX, XXXX XXXX XXXX, my mother ( co-borrower ) on the loan passed away ( death certificate attached ). Prior to her passing we were on time with our payments. At that time, I made a request to my lender for assistance and was not offered a principal reduction to make my payments more affordable, but was given a modification. My mother and I were splitting the payments of the mortgage, utilities, and the Home Association Fees. We qualified for the home based on both of our incomes. 

REASONS FOR FALLING BEHIND : PHH graciously has offered me a modification, in the past, and I am very thankful. However, due to health related issues and a reduction of work hours I fell behind in my payments. This began to occur around XX/XX/XXXX. During that time, some weeks I worked XXXX hours and other weeks only XXXX hours. Health issues further caused me to get behind in my payments. In XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, I was hospitalized and subsequently placed under Doctors care ( documentation for hospital stay and time off from work attached ). 

CHANGE FOR THE BETTER PERTAINING TO FINANCES & HEALTH : Currently, my circumstances have changed for the better. I have fully recovered from my illness and back to working a full XXXX hour work week. My employer is even allowing me to work overtime ; I have received a pay raise and bonus. I have also started renting out a room at my home again so I can maintain my mortgage payments even if my health starts to decline again. 

REQUEST : I request assistance with getting back on track with my payments, such as payment reinstatement and principal reduction. The balance on my loan is around {$410000.00} and I owe a little over $ 25k to get back on track with my payments. 

I am committed to keeping my home, but I need some financial relief with my mortgage, and any assistance you can provide would be greatly appreciated. 

Thank you for your assistance with this matter and let me know if you need additional documentation from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have actively disputed the account sold to XXXX. XXXX company in the amount of {$480.00}. This account was subsequently closed on XX/XX/2018, then removed from my credit file. 

On XX/XX/2018, the account reappeared from the same company with the same balance. It is now reporting on my credit file again as an " Open '' account. I received no further verification or notice of this account being added to my file after deletion. This is a violation of my rights. 

I am including a screenshot of my updated credit notification regarding this account.
Consumer complaint received 2018-03-16
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: LEXISNEXIS (VA)

I obtained a copy of my XXXX Report. As XXXX  is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by Lexis Nexis on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
LexisNexis XXXX XXXX XXXX
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

On the morning of MondayXX/XX/XXXX we were contacted by Capital One regarding potential fraudulent charges that someone was attempting on our account. We confirmed that indeed the charges in XXXX  for 3 airline tickets were fraud and to please decline the charges of {$1200.00} x 2 and {$1400.00} totaling {$3900.00}.

On Tuesday, XX/XX/XXXX we followed up with Capital One, rather than declining the purchase they posted it to our account. We were told that we are not responsible for the charges and they would be removed.

On Wednesday, XX/XX/XXXX we were told that it could take up to 72 hours for the charges to be removed, however, they would still be held against the credit on our account for 30-90 days while they were investigated.

Fast forward, XX/XX/XXXX, the charges are still posted to the account and have not been removed from the account. In fact, I was advised that the charges were not marked as fraudulent and they are still posted to my account as accepted charges.

Finally I was transferred to a person is the fraud department who has advised that they are now marking the transactions as fraudulent and it will take another 72 hours. Until my account is credited back funds for these charges ; however available credit will still reflect these charges. This affects my credit score.

This is the 2nd time airplane tickets were purchased against this account ( different card number ) by persons in another country. Capital One 's treatment of fraudulent charges is unacceptable. I am fortunate in that I do not need to use this credit now, but other persons going through this same process may not be as lucky.

What protocol does Capital One have in place to protect identities of its customers? We had our account compromised a few months ago ( twice ) and our cards replaced ( twice ) and this third time in less than 6 months really raises the question what the heck is going on with them. I feel, that by withholding the credit on my account till they can investigate, even though there is {$0.00} liability ( per them ) is tantamount to holding me hostage ; you know, in case they can not work out the charges with the vendor, they have a place holder so that they can try to squeeze the funds out of me ( what they told me last time ). If there is {$0.00} responsibility, they why are they holding up my credit, showing that I have charges of this amount against my account when I do not.

I hope that you will investigate. I can not be the only person this is happening to.

XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to request the removal or correction of inaccurate reporting related to my Bank of America account. Bank of America reported a negative account status, which I believe to be incorrect based on the following events : On XXXX I made a payment in full, which was confirmed as received by Bank of America. Despite this, the account status was reported inaccurately as a collection. On XXXX, I contacted Bank of America to dispute the error and provided evidence of the payment, including paid of letter. The bank representative confirmed that the payment was correctly applied to my account. Despite repeated follow-ups Bank of America has not corrected the error or updated the account status, resulting in ongoing inaccurate reporting on my credit report. I am requesting that the CFPB help facilitate the removal or update of the inaccurate information, as it is adversely impacting my creditworthiness and financial well-being. The correct status should reflect timely payments and the resolution of the account. Thank you for your attention to this matter. Please let me know if additional documentation is required.
Consumer complaint received 2018-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NC)

I got notice in XX/XX/XXXX of my monthly payment increasing due to an insufficient escrow amount. my escrow analysis shows a payment to an insurance company in XX/XX/XXXX for a policy that was closed ( wind/hail ) due to being added into my new homeowners policy. a gentlemen i spoke with stated that i hadn't submitted a cancellation of that policy so immediately transferred me to the insurance department which i had to hold again for. both the cancellation and new home owners policies were sent to the company on numerous occasions and were acknowledged to be received on two separate occasions by their insurance department. I called on numerous occasions to speak with someone regarding my escrow account and was on hold at least 7 times that I can recall in a 4 week period and still NEVER reached an associate, or reached one and was placed on hold. i spoke with a lady named XXXX on XX/XX/XXXX at extension XXXX and was told that she would be completing an off cycle escrow analysis to reevaluate my payment. XXXX told me that she would be in contact with me by XX/XX/XXXX. i called her on or about XX/XX/XXXX at the extension provided and left a message ( after being on hold for another 30 minutes to reach someone to transfer me ) that as of today, XX/XX/XXXX has still not been returned. i called back XX/XX/XXXX and was on hold 35 minutes prior to speaking with a gentleman that was very rude and stated that they didn't have an off cycle analysis on file for me and that they didn't do them. i tried again to explain my situation and the man told me that he wouldn't argue with me because he was right. i asked to speak with a supervisor and was again placed on hold, at the 5 minute mark ( total of 40 minutes on hold and still no resolution ) i had to disconnect due to a dr appt. i have been unsuccessful in getting in contact with any one that can explain to me why my escrow has increased $ XXXX/month in the 3 years I've had the home ; despite never missing a payment, whole first year paying extra, never once being late with a payment, having a fixed rate, decrease of $ XXXX/year in insurance premiums and not a single cent change in my property taxes. i have been attempting to have someone answer my questions since the receipt of my escrow analysis paperwork at the beginning of XX/XX/XXXX.
Consumer complaint received 2018-03-18
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. (CA)

Hi, On XX/XX/XXXX, a XXXX  store decievingly tried to sign me up for a branded credit card. That performed a hard check on my credit file that instantly lowered my score with all bureaus. I immediately contacted XXXX  and they admited to the wrongdoing, removed the hard check and and notified all bureaus. Following this, XXXX ( and I believe XXXX   too ) removed the entry some three months later. To this date, Transunion has not and on the call I had with them on Fri, XX/XX/XXXX, they lied that they can't remove the entry as they were not notified. I know that is false, as the other credit score companies already removed the false credit check. 

Transunion now wants me to obtain a letter from XXXX and send that to them as proof. I consider this request onerous and unecessarily complicated. 
I believe Transunion is affecting my credit worthiness with complicity and should compensate me for wrongly affecting my score for more than half a year. 

thank you for your help! 
XXXX
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

OnXX/XX/XXXX, USAA Savings Bank deactivated/suspended two of my checking accounts and referred both accounts to their Financial Crime Unit ( Fraud Department ), and when I contacted USAA on XX/XX/XXXX, the bank representative told me that my accounts are under investigation for fraudulent activities by the financial crime unit. I have been a customer at USAA bank for six years and have a direct deposit account. Because my accounts are freezed, I'm having hard time using my funds.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Van Ru Credit Corporation (MA)

This process started in XXXX, XXXX. I contacted VanRu in an attempt to rehab my loan after confirming that they received my packet ( with the salary information and all the paperwork ). I was under the impression that I would be on the reahab loan. I contacted a few months later to check on the status of this- they said that everything looked good and I had a few months left to complete the rehab program. After a while- I realized that the loan had not been moved to a different servicer- I called them again to check on this. They claimed that they never received the paperwork and that all of the payments did not apply to the rehab program. They claimed that they would submit the required paperwork by email /mail and that they would need to be filled out and returned. After a week or so, I contacted them again to ask for the paperwork, they claimed that this has been submitted to me and I have received them. When this happened again- they submitted a loan consolidation application paperwork- not the paperwork required for the loan rehab program. 

I had been making monthly payments for several years and they continue to send me letters saying that the payments are collected by wage garnishments which is false. Now this loan apparently has been deferred to a DIFFERENT collection agency. This loan should have been in good standing as of XXXX.
Consumer complaint received 2018-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

I am writing to file a complaint against Caliber Home Loans because I have been attempting obtain a loan modification from this company since XX/XX/XXXX. I have been jumping through hoops providing documents over and over to satisfy the underwriting department. Unfortunately, each time I thought that I was close to gaining approval I would be told that I needed to provide additional documents which happened to be documents I already provided but I was told that they expired due to the required amount of time it takes the underwriting department to review applications. I have continued to supply the documents that have been requested of me because my husband and I are in desperate need to save our home given our recent financial struggles. Nevertheless, after recently submitting my last loan modification packet in XX/XX/XXXXof this year and ensuring that I provided all required/requested documents, I was told yet again that I needed to provide more documents because the underwriters want up to date documents yet the documents I just provided in XX/XX/XXXXwere not considered expired or 90 days old as of yet. In addition to the fact that once I provide all of the documents that have been requested I will have to wait an additional 30 days for a decision to be made as the clock will start over again. I was also told that even after submitting requested documents that I should continue to submit update documents to avoid the documents from becoming expired and or the most current. I think that this is a feeble attempt to stall the approval process or to avoid providing modification assistance to those in need. The process that is being employed by this mortgage company is unreasonable and ridiculous. This is very unfair and unjust to the customers in need of assistance.
Consumer complaint received 2018-03-18
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: HSBC NORTH AMERICA HOLDINGS INC. (NV)

HSBC Claims that they haven't taken care of my issues and send me a letter that i'm no responsible for my frad case but as of yesterday i gotten an email stating that it's not over, i dont know what is the issues with this company i have to feel stress and lose more of my time so now i'm here again and want the world to see how horrible this company really is and i don't think people should bank with this company at all!!!
Consumer complaint received 2018-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

MY XXXX  CREDIT REPORT IS REFLECTING A CLOSED NEGATIVE CAPITAL ONE ACCOUNT WITH AN OUTSTANDING BALANCE THAT DOES NOT BELONG TO ME I PREVIOSULY DISPUTED THIS WITH THE COMPANY AND XXXX AND IT WAS TO BE REMOVED FROM MY CREDIT FILE BUT IT IS NOW APPAERING AGAIN AS OF TODAY
Consumer complaint received 2018-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

Hey CFPB, I currently have my refinanced XXXX XXXX with a company called XXXX XXXX, and have been with them for about 4 years now. The interest on my loan is assessed daily, which is fine, but XXXX does not process scheduled payments daily. Whether it is a reoccurring payment or selecting the earliest payment date for a one-time payment, XXXX will leave my payment in pending status for at least 2-3 days every time and continue to accrue interest, which is about {$25.00} per day for me now ; it was more previously when my balance was higher. I do not think XXXX is engaging in fair practices and they definitely did not accurately disclose that this was how they process payments when I refinanced with them. XXXX should not be allowed to continue to accrue interest on my loan and any others just because they leave payments in pending statuses for extended times. If they can not process on the date that they offer as the earliest available or scheduled date, then they should not leave them as an option. Currently I have a payment scheduled forXX/XX/XXXXthat still has not been posted to my account, today isXX/XX/XXXXXX/XX/XXXX( a Sunday ) so now it will be a minimum of 4 days before I receive credit for a one-time payment that XXXX can not deliver on. 

Can you please look into this? 

Thank you.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

My Equifax credit report dated XX/XX/18 shows the following information : BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX This  information is incorrect and and letter back from Equifax states this has been verified. Equifax did not send me information with copies of any documentation associated with this bankruptcy bearing my signature.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sound Collection Services (NC)

In XX/XX/2016 I moved out of XXXX XXXX XXXX XXXX XXXX, I had over paid an extra months rent. After moving to the other side of the US I saw that I had a collections waiting on my credit report. I called and they said that they mailed me the letter but it was returned to them and on top of such I was not being refunded any money but then being charged more money. They now want {$1600.00} to the sound collections company. I have still yet to receive anything physical about this claim.