davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Management Solutions, LLC (DC)

I spoke to XXXX at FMS Solutions on XXXX/XXXX/2017 at around XXXX. We spoke about the debt I owed and agreed on a set payment plan and I gave her my credit card information. I asked her to confirm her identity as a part of FMS solutions by sending me an email with my login/account information. I was among those that were involved in the OPM data breach and I had to deal with numerous scammers calling mw. She raised her voice and said no because I was going to get an apartment with the letter from the email. Each time I tried to speak, she would interrupt me and her voice would get louder. I noticed that when I first called she did n't say this was an attempt to collect a debt until I asked for an email verifying that this was indeed a legal and safe transaction. Eventually, she kept yelling and I yelled back because she did n't want to hear anything I had to say, she already had a preconceived notion or defense on what I needed the email for. I am only trying to protect my financial information. After, I told her that I would report to her to the CFPB then, she hung up the phone on me. I understand I owe a debt but, this kind of customer service is appalling and uncalled for. I asked for a simple request and attempted to give my reasoning behind the request and could not do so. I do n't think it was fair for her to assume my intentions for seeking the letter were to get an apartment. I really like to keep record of any individual or business that I give my financial information to or share with.
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IN)

I AM FILING THIS COMPLAINT BECAUSE THE CREDIT BUREAU IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNT AND INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. THE CREDIT BUREAU FAILED TO PROVIDE ME WITH A PROPER INVESTIGATION AS WELL AS PROVIDE ME PHYSICAL PROOF THAT THE ACCOUNT AND INQUIRIES DISPUTED WAS MY ACCOUNT
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I HAVE BEEN RECEIVEING MULTIPPLE PHONE CALLS EVERY DAY AT DIFFERENT TIMES FROM A COMPANY NAMED CONVERGENT OUTSOURSING. THEY ARE ATTEPTING TO COLLECT {$260.00} FROM A XXXX ACCOUNT I CLOSED LAST YEAR. I DO NOT OWE THIS MONEY. I CALLED XXXX AND ASKED THEM TO SEND ME A COPY OF THE INVOICE THAY ALLEGE I OWE BUT THEY NEVER SENT ME ANYTHING. ON XX/XX/XXXX CONVERGENT OUTSOURSING REPORTED THIS DEBT ACCOUNT TO XXXX CREDIT BUREAU, WHICH MADE MY CREDIT SCORE GO DOWN CONSIDERABLY.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (OH)

Chase XXXX XXXX XXXX offered a Rewards special over the XXXX XXXX in which they would offer XXXX 's reward points for home improvement purchases within a specific time period for up to {$10000.00}. I made home improvement purchases within the specified time period as follows : {$220000.00} on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, {$2100.00} on XXXX/XXXX/XXXX, {$4300.00} XXXX/XXXX/XXXX. The purchases for XXXX and XXXX are concert work and I used convenience checks. I was told because I used convenience checks they did n't qualify after the purchases were made. There were no disclosure telling me this prior to use or I would have just used my card to earn the points. My statement also says a cash adv. was taken during the month of XXXX statement, for {$340.00} and I was charged {$4.00} in interest and {$430.00} on XXXX/XXXX/XXXX. I never taken a cash advance on any card! The purchase of XXXX on XXXX was made with via credit card over the phone. The purchase of XXXX and XXXX were made via convenience check and immediately paid off that same month. After the appropriate reward point credits did n't appear on my account after 6-8 weeks I called Chase ( approximately XXXX XXXX. ) and the Rep. stated the purchases should have qualified and she was n't sure why they were n't credited but that she thought the promo was only for XXXX points ( this is inaccurate ). She stated she would forward my account to the Reward team for research. I think received a letter a week or XXXX later stating the purchases did n't qualify. I am very upset as concrete work on my garage floor and exterior painting are certainly home improvement purchases. I feel like the reward advertising is deceptive and abusive as I specifically used my card for these purchases to earn the promised points, to no avail. Had I not been offered this reward promotion I would have just paid cash or used another reward card. I am also upset as there is not a means to see itemized point application for the rewards earned. It makes it nearly impossible to tell if Chase is awarding the appropriate points for each qualifying purchase. I would like my account credited for the improper fees I was charged and the points I am due for my purchases that qualified per the advertisement. This is my top of wallet card, if my account is not made whole I will be cancelling my card and switching to a competitor. I am very disappointed in Chase.
Consumer complaint received 2017-03-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Venture Financial Services, Inc. (MO)

I continued to make monthly payments to XXXX XXXX for my hospital bill. I made a payment in XXXX, however on XXXX XXXX a letter was sent from Venture Financial Services that they are collecting on this debt. 

In the letter it states that this debt will begin to accrue interest. There is no disclosure on the amount of interest that will be charged. I was not paying interest on the debt when i was making payments directly to XXXX XXXX. 

If banks need to fully disclose the amount of interest they are charging consumers, why can these medical debt collectors get away with being so vague. 

I did not receive a fair notice that the debt was being either sold or collected on by a debt collector.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Privacy — 
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system. 
Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt. 
I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the " rewards card ''. 
In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who " convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors. 

XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and TD Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives. 

Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and TD executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts. 

Please see all problems with the RED Card accounts. 
XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am writing to make a formal complaint regarding the assessment and adjudication of said fees on my Bank of America checking account. 
I called Bank of America Customer Service this morning XXXX XXXX 2016. XXXX previous calls were made with no connect made due to high call volumes and wait times between XXXX and 50minutes. 
- I spoke initially to XXXX and subsequently to her supervisor XXXX XXXX. 
- I requested a review and consideration of reversal for at least some of the fees assessed to my account XXXX of which have come in the last 6 days. 
- I pointed out that attempts were made to bring the account to date as soon as email notification was received. 
- Same day deposits were ignored and fees were assessed regardless. 
- A total of {$420.00} in fees have been assessed to my account in the last Year - A total of {$170.00} in fees have been charged to my account in the last 60 days - A total of {$70.00} in fees on a single transaction for {$70.00}, for which I made XXXX deposits totaling {$50.00} - I have been a Bank of America customer for over 10years - XXXX XXXX adjudicated claims as non-reversible and ended the call on that note. 
- I would like to request a second review and at least some of the funds returned. 

The fact that bank of America can charge {$420.00} in fees on low balance checking accounts, routinely and without any moral dilemma about it shows a callousness and complete disregard for its customers. 

I would like to see some measure of amelioration applied to my case. 

Thank you
Consumer complaint received 2016-09-21
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Specialized Loan Servicing Holdings LLC (FL)

QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned in XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Consumer complaint received 2016-10-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (TX)

I had problems paying my mortgage, I applied for modification and sent all fay servicing asked for. I called several times to find the status, the account manager kept saying that she will call me to tell me she had an update. I received a letter on XXXX XXXX that I was not approved. That letter was sent out on XXXX XXXX 2016. When I called My account manager said that she did not received anything yet, she checked and she saw the letter and confirm that i was not approved for modification, because I did not make enough money to maintain my house. She told me to sell it and get another cheap house. I said that I was going to rent one of my room to get more income. She asked me for a contract and proof of the money my new tenant gave me. I sent all she asked for on XXXX XXXX. The foreclosure was schedule for XXXX XXXX, 2016. I asked her several times if the foreclosure will be on hold, she stated it will. I email to her and her manager to make sure that they received the documents I sent and they never replied. so, I had a feeling that she was not telling me the thru. so, I borrowed money from a friend so I had {$7700.00} on my account ready to pay on Friday XXXX XXXX. When I call my account manager she said not to worry that the foreclosure will be on hold. I said that I want to make a payment, she insisted that everything was fine. on XXXX XXXX she called me after XXXX and said that I was not going to be approved with the appeal because we did not have enough time and that I needed to pay {$7700.00}. I had to leave my job and ran to the bank and make that payment. I believe that Fay Servicing are very unprofessional and that they want me to have my home foreclosure. After I made my payment I sent an email to proof that I made the payment. Finally I received an email from the manager saying thank you for the payment. I was told by my account manager that they were not aloud to replied the emails, but I made the payment and they replied to my email. This company is a reap off, they DO NOT help their customers. I am very unhappy with them, and I am going to do anything to have my mortgage with another company.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had dinner with a friend of mine several weeks back. He told me about the XXXX XXXX XXXX account with Capital One. I went to their site and applied online for a XXXX XXXX XXXX account sometime on or about XXXX XXXX, 2016. I am starting my management consulting business. 

It is now XXXX XXXX, 2016, and while I have online access to the account, I have yet to receive any documents to actually be able to move money into or draw from the account. I 've spoken with several people at Capital One, and each time, I am told to wait " 1 or 2 business days '' for a response. I have yet to receive anything. 

The last time I called I spoke with a Capital One associate named XXXX and she told me that there was a restriction on my account. I asked her why, and her response was that it was a " one off. '' It is my contention that the restriction they currently have on this account is exceptional and outside of Capital One 's own protocol and policies. 

I would like the CFPB to look into this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (TX)

The debt collector was very rude while I was trying to explain to her that the debt was paid. She gave me their email, I had to ask several times for her to repeat the email because I could n't understand her and she then yelled at me saying " mam listen! '' and hung up on me. About XXXX minutes later she called back to tell me they had given me the wrong email and were rude for the duration of this conversation also.
Consumer complaint received 2017-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) submitted a complaint with the Consumer Financial Protection Bureau ( hereinafter " CFPB '' ), that generated Case Number : XXXX. 
Go to First Attachment. 
On page XXXX from the First Attachment, Bank of America , National Association ( hereinafter " Debt Collector '' ) admits to selling a Debt sold on XXXX XXXX, XXXX. 
Go to page XXXX from the First Attachment, where it is highlighted in fluorescent yellow. 
The Debt Collector has never mailed, shipped, or gave the Consumer any correspondence letter, nor notice, constructive notice on who specifically the Debt Collector sold the Debt too??? 
Its approximately 6 months later, and the Debt Collector has not given the Consumer any indication on who the new Debt Buyer is, nor how much specifically did the Debt Buyer purchase the Debt for? 
What is even more bizarre, confusing, and twisted is the Debt Collector is still attempting to collect on a debt that the Consumer does not owe, still attempting to steal what belongs to the Consumer, scheduling foreclosure sales for the last couple of years, only to cancel them at the last minute, and if the Debt Collector really sold the Debt like it admitted in the First Attachment, then why did it schedule, and attempt, and have a representative named XXXX show up on behalf of the Debt Collector, and attempt to bid at an attempted foreclosure sale, dated Tuesday, XXXX XXXX, XXXX at XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX, XXXX, Hawaii? 
Go to Second Attachment.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NJ)

I dispute the validity of this Tradeline. 

XXXX XXXX XXXX XXXX This account : 1. Is missing the Balance History Data for the most of the time the account had been open 2. This account was opened in XX/XX/XXXX, yet only XX/XX/XXXX to XX/XX/XXXX is showing. 
3. Has Late Payments, when there is no Balance History to support this. 
4. Has erroneous comments added - to this and almost all of my accounts. 

The record is incomplete, and therefore inaccurate. 

Please validate the Payment History to ensure the entire history is published Please ensure that history can support any late payments reported, or DELETE the account.
Consumer complaint received 2017-03-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Our home in XXXX, New Jersey has been in our family for over 60 years. Due to misrepresentations and unethical behavior by XXXX, XXXX and now Wells Fargo, we are in danger of losing our home to foreclosure sale. I have tried to resolve this problem directly with my lender Wells Fargo but ca n't seem to cut through the red tape and need help to hold them accountable. My name is XXXX, I am the son of XXXX and the legal and rightful heir to the property. 
My father XXXX was coerced into refinancing our home in 2006 by the agents at XXXX, even though we were close to having the house paid off. He was not aware that this was a predatory option ARM loan with a payment and rate that would continually increase as well eventually recast and double the monthly payment. He was a senior citizen at the time of origination and I definitely feel that he was taken advantage of. My father passed away not long after taking out that loan, and I took over on this loan because I am the rightful heir and lived in the house. Due to the fact that I had several XXXX and was on fixed income I was struggling to make the mortgage payment. I contacted the people at XXXX ( holder of the loan at that time ) at that time to request that I be reviewed for a loan modification. They told me that they could not help me unless I was delinquent on this loan. I believed them and missed several payments with the expectation that I would receive a modification. However, that was not the case. When I tried to resume making my monthly mortgage payment I was told that they would not accept my monthly payment, that I would have to pay all of the missed payments at once. This was DEFINITELY not what had been promised by the representative from Wachovia. 

I have tried to move forward and be reviewed for various programs so that I can save my home. I try and get the process started, but Wells Fargo always finds a reason to stop or postpone the review. They have claimed that since I am not the borrower on the loan that they ca n't modify this loan. However, I am the rightful heir to the property, I live in the property and the mortgage statement lists me as the executor of the Estate of XXXX. When I send this paperwork in to show Wells Fargo they continually misplace it or invent excuses as to how or why they ca n't help me. It is beyond frustrating. They are now setting foreclosure sale dates. I receive fixed income and have a renter as well and I have sufficient income to make a fair payment. However, Wells Fargo has dragged this on for a long time so I am very behind on the loan. As the rightful owner of this property Wells Fargo should have to review me for programs that would let me fix this problem, but they have never done so. If the agents at Wachovia had not misled me and told me to miss payments when I was struggling I would not be in this situation and feel that Wells should work with me to fix it.