davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

Creating a new complaint to respond to the response Suntrust had provided to our earlier complaint - apparently CFPB process does not allow follow-up to a vendor response. Here is our response : First, please provide documentation as to bill amount that Suntrust knew when it made the payment on XX/XX/XXXX. When I had contacted Suntrust earlier they had told me that they electronically verify the amount with county before making payment and that they will provide me such document. Second, even after contacting Suntrust on XX/XX/XXXX, bill was not paid in time while interest kept accumulating - as of last check this interest was {$440.00} as opposed to {$290.00} when I had contacted Suntrust. It is unacceptable the time Suntrust took to pay the bill and we should not be responsible for or penalized if Suntrust can not make its processes efficient.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions. 
I would like these medical bills removed from my account completely. The insurance paid what was agreed upon and now I am being billed what they think I owe. The main companies are XXXX XXXX XXXX and XXXX XXXX XXXX. 
Also, I believe that my credit score should be no less than XXXX from each of the reporting agencies after this issues are corrected because I have opened no new accounts and the XXXX accounts that I have are continually paid on time. 
Thank you.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIBANK, N.A. (MI)

Citi student loan was sold to a government loan. It has been 7 years since XXXX/XXXX/2009 I disputed this to be taken off my credit report with all the credit report agencies. Instead of removing this old account that is 7 yrs old which is a violation of the fair credit act. That 's suppose to protect consumers. The reporting agencies made it like it was a new account and just said I was disputing the item. It had been closed for 7 yrs. now since they did that it made my score on XXXX, XXXX, and XXXX go down XXXX points or more. Please help me to remove this account from my credit reports so I van continue to work building my good standing credit with no late payments. Thank you for your help on this matter.
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX, FL XXXX XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAUor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Genesis Credit Management, LLC (WA)

Sent Letter of Validation to creditor and CC 'd bureaus XX/XX/2016. Creditor failed to respond within 30 days to the Letter of Validation. 
Sent Failure to Respond and request for removal to credit bureaus on XX/XX/2016. Received response from bureau, they did not remove item. 
Genesis Credit Management ( collector ) sent partial information on debt on XX/XX/2016, a full 90 after we had sent the original Letter of Validation. We ask that this debt be removed according to the Fair Debt Collection Act.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (GA)

I have a Barclay Rewards card and after seeing my XXXX score stay the same for over 45 days with the negative impact of reflecting a balance due that been paid over 30 days ago .... i called BarClay and escalated to an Acct Mgr ( XXXX # XXXX ) who informed me that they only report 1 time a month to reflect our dealings ... I questioned why this was only done once a month, she referenced billing once a month, payment once a month. 

I asked if I could change my billing date to be due days before that monthly transmittal to secure my ability to pay the balance and have it reported in a timely manner.. She tells me this would change the reporting date, i questioned why ... She says that they report to the Bureau according to the billing date, not the date of payment due ... and it would change if we changed my due date ... 

It 's very arbitrary of Barclay to report only monthly, but even more arbitrary to report after a bill is sent ... not waiting to see if the payment is received before reporting to the Bureau. This is not a consumer friendly policy and subjects the consumer to false information on their credit rating via the company reporting policy ...
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (GA)

This company has put a derogatory mark on my credit report. I have no knowledge of this supposed debt nor have I ever had any dealings with this supposed XXXX. This company never sent me the required debt validation letter or contacted me EVER. Now I have to put a fraud alert on my credit report because of this company. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. NOR HAVE I EVER HAD ANY DEALINGS WITH THIS SUPPOSED XXXX. This company is damaging my credit with this fraudulent account.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NE)

XXXX Bank lowered my credit limit supposedly by something submitted by Equifax submitted or was part of my credit report. When I went online where they said I should go for a free credit report since I 'm obligated to XXXX with my limit being decreased, they would n't let me see anything online, instead they told me that I needed to submit a copy of my driver 's license and a copy of my social security card in the mail. EXCUSE ME - THAT IS NOT SAFE!!!! I should have a right to see this online through their sight and be able to dispute anything right then and there. I 'm tired of this being a crutch for everyone to use when I have been paying my bills on time. XXXX Bank stole from me and Equifax submitted the report and yet NO ONE GIVES ME THE PROPER BACK UP!!!
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/2016, I ordered some cosmetic products at XXXX, XXXX, NV XXXX for delivery by shipment on XX/XX/2016 - because the merchant did not have all of the products in stock and because we did not wish to attempt to return to our home in XXXX with those ( requiring additional airline baggage fees ). The merchant agreed to ship those products for free due to the size of the purchase - {$2200.00}. However, upon reflection, we decided we would cancel the order and returned the next day to do so. Since the merchant prevaricated about how that could be done ( for several days including in person, via text and email messages, and over the phone ), the credit card used for the charge ( American Express ) was called and the charge disputed. Though the credit card receipt said " There are no refunds or returns '', research of the Uniform Commercial Code with later confirmation by a lawyer we engaged indicated that we were within our rights to cancel that order regardless of the receipt verbiage, especially since we had not received the product. Initially, the merchant communicated with us about still shipping the product ( even creating a shipping label of which we were advised by FedEx ) and promising additional discounts. Using only the CC receipt, they attempted to rebut the dispute and initially gave American Express the ( unused! ) tracking number for the shipping label as proof of delivery. In one call with American Express, their agent even said that the merchant had claimed to have shipped the product ; however, when tracking status and other information ( text messages and emails from the merchant ) showed that the product had not been shipped, the merchant then claimed the product had been picked up at time of purchase. American Express tentatively accepted several disputes, but for each dispute eventually sided with the merchant. I feel that American Express has knowingly abetted a commercial fraud by the merchant by continuing to post the charge to my credit card account. I believe they have done so to curry favor with the merchant to ensure continued acceptance of their card by the merchant and/or to ensure they collect their credit card processing fee from the merchant. Our lawyer has advised that suing either American Express or the merchant for this fraud would cost more than the charge. It appears that both the merchant and American Express are aware of this and so are confident that they can perpetrate the fraud with impunity. Note that my wife has a similar dispute with her XXXX credit card purchase at the same merchant, but I suppose that will need to be filed separately.
Consumer complaint received 2016-12-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ENHANCED RECOVERY CORP XXXX XXXX XXXX years in business Headquarters XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CORP or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CORP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL 32907
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

Dear Financial Consumer Protection Bureau Representative, I am writing to inform you of a compliant about my checking account that I would like your organization to investigate with BBVA Compass. On XX/XX/2016, I was charged two overdrafts for a XXXX dollar debit for a XXXX charge, and for a XXXX dollar debit for another XXXX charge. 
When you look at the 2nd picture that I have attached with this complaint, my balance before the XXXX dollar charge was XXXX on XX/XX/2016. And, my balance the before the XXXX dollar charge was XXXX. So, clearly, by looking at the 2nd image, I did not have insufficient funds for those two items, but, yet, the bank charged me two overdraft fees. Please see image 1. 
Every other transaction after the XXXX dollar transaction was a debit card transaction, which should have stopped when my account reached a zero balance because I opted out of debit card authorizations, when there would be no money on my account. Yet, the bank allowed me, by mistake, to go over and then charged me two overdraft fees on those items mentioned above.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Collections Acquisition Company, Inc. (GA)

I sent this company a letter, police report advising them I did n't owe them any money, they refused to accept the letter and told me if I didnt pay the bill, that i was going to be arrested for a bad check. I asked them remove this from my credit that I disputed the bill, and requested for management they refused again and hung up the phone on me. Spoke with a male collector who refuse to give me his name. I have never received any letter from this company of their initial 30 day dispute letter.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (FL)

I have health insurance and my insurance paid for the service and now the hospital is trying to charge me. They keep calling and I ca n't pay them because they charged my insurance already and I have a copy of the statement that they sent where it says " this is not a BILL '' and it explains all the covered things that the insurance already paid. I only paid {$1.00} to see the doctor since that 's the copayment of my health insurance which is XXXX The insurance policy number is XXXX and my member ID is XXXX.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NY)

LoanCare mortgage servicing failed to provide/send updated mortgage servicing information to the stated insurance company despite receiving this information from my previous loan servicing company. Consequently, the homeowner received several bills for the home insurance premium. Furthermore, the home owner has an escrow account with LoanCare with more than enough funds in the account to cover the insurance premium. 

LoanCare has continuously engaged in egregious customer service practices, which causes the consumer/homeowner unnecessary duress as well as substantial lost of time and in some cases money as the consumer attempts to resolve the issue ( s ) at hand.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (VA)

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I have had ongoing violatons of Regulation CC by Wells Fargo Bank. 
I just received a response to my earlier complaints on matter XXXX ] and XXXX ] Its false and a new violation just occurred.See below. 

The response is false and the claimed credits from Wells Fargo Bank in their response were never made. 

I am filing a new Complaint under Regulation CC. 
A hold was improperly placed on a XXXX deposit from a law client of mine who is a business and whose account has processed checks several times for the last year, a XXXX XXXX. His prior deposit of XXXX was made and credited to my account with no hold. I know my depositor. 
SO does Wells issued prior credits and processed checks. 
Now this deposit has been collected by Wells Fargo Bank and I have a scree shot of my client XXXX Account that the funds were collected on this check. 
Yet Wells Fargo and their operations manager XXXX XXXX have made false statements to me and stated today at XXXX PDT that even if the funds were collected, that the bank could and would charge me for all items to come in. Once again a pretext to charge my account XXXX of dollars of overdraft fees on funds that were actually collected. 
Tbis is not just a violaton of Regulation CC its fraud and is also abuse of any discretion the WFB has under CC to punish me and retaliate for my pending complaints referred to above. 

This is part of the same pattern and practice of fraud by Wells Fargo Bank I want Wells Fargo Bank to honor Regulation CC and refund all past and current and future overdraft fees. Note this also leaves me with no funds over the holiday period. 
This is the second month in a row where the bank has done this, the Bank regularly receives my XXXX direct deposit from Social Security has no risk and has been taking an average of over 20 % of my social security deposits- this also represents fraud and elder abuse under State Law. 

Please see attached deposit receipt. Note there is no hold on the receipt and no hold notice. 
Wells Fargo Bank claims there wasa hold notice on their internal Wells Fargo Bank email. I did not receive a hold notice and did not receive even a notifcation that funds were transferred from my savings account until this morning after 2 complaints on Monday and no notice for over 2 business days. 

I want Wells Fargo to refund all fees. The prior complaints should remain open. These represent a pattern and practice of improper overdraft fees in violation of Reg CC. 
I am making a claim for loss of use the collected funds and all overdraft fees.
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Modlin Slinsky, P.A. (FL)

XXXX sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called XXXX to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that XXXX wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked XXXX to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to XXXX about this and they would fix it XXXX month and then the next month it would be back on the statement. The XXXX XXXX bills would reflect exactly what I am describing. So when I went to court XXXX refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of XXXX for proof that I owe this money and they could n't produce any statements. When my attorney asked XXXX in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid XXXX by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX
Consumer complaint received 2016-12-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (VA)

We have a lease with Honda. XXXX account number XXXX. We turned the car in XX/XX/XXXX. I called the county and paid the amount owed. Honda had paid the entire amount due. XXXX XXXX VA then issued Honda a tax refund check ( for XXXX leases ). The check was cashed by Honda. XXXX was XXXX of the lease 's on the refund check. Honda is wanting us to pay this amount even though with the refund check they actually owe us {$17.00}. I have submitted the information to Honda on XXXX separate occasions the date of the check the amount of the check and the leases that were affected for refund on this check from XXXX VA treasurers office. The check has been cashed by Honda. If we were not credited for the money are there XXXX other tax payers and leases that have not received. Now they want to report this on our credit report. I have called and called. I did get a case number at Honda today XXXX the number I called was XXXX ) and my case number is XXXX. The customer service people have told me repeatly that someone from the tax department is going to call me but they do n't and they do n't credit the account. They now are also asking that we pay the {$35.00} balance for the tax even though XXXX has sent them {$53.00} to credit to this account. The actually owe us money. Please respond.