davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
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: William D. Meeker Enterprises, Inc. (CA)

I submitted a complaint about the improper use of my credit report to the CFPB on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX responded : " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX. XXXX XXXX is not a creditor. XXXX XXXX does not extend credit for any reason and is only a credit report reseller. XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. Please find attached copy of executed consumer credit authorization. '' According to the attached evidence of the funding application provided by XXXX XXXX, I authorized XXXX XXXX XXXX XXXX to do the credit check. However, XXXX XXXX respond from XX/XX/XXXX stated " We have researched the credit inquiry and it was accessed on XX/XX/XXXX by XXXX XXXX ... .XXXX XXXX is a customer of XXXX XXXX whom accessed your credit. '' I did not give my permission to access my report to XXXX XXXX and/or any of its representatives. I demand to reopen the case and erase the credit check inquiry.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (DC)

I had ~ {$250000.00} in XXXX debt and enrolled in the PLSF program in XX/XX/XXXX ( accepted in XX/XX/XXXX/XX/XX/XXXX ). Once accepted, I was required to transfer my loans from my XXXX XXXX Servicer to FedLoan Servicer. 
XX/XX/2016 - Loans transferred from XXXX XXXX to FedLoan XX/XX/XXXX/XX/XX/2016 - Not all loans were transferred, error on part of FedLoan. Made request for remaining loans at XXXX XXXX to be transferred which took 6 weeks XX/XX/2016 - Advised that loans could not be forgiven unless converted to " direct '' loans. Only XXXX of my XXXX were direct loans. 
XX/XX/XXXX - Consolidation loan request form submitted for XXXX loans to be consolidated into direct loans. Six weeks later, XXXX of the requested loans were consolidated appropriately, XXXX loans were not consolidated as requested and XXXX of my already direct loans were consolidated in error by FedLoan ( without request for consolidation on forms submitted ) XX/XX/XXXX - Multiple calls regarding incorrectly consolidated loans. At this time total loan amount had increased by {$10000.00} without record documenting how. Told by customer service request to review submitted, would take & gt ; XXXX weeks for someone to review complaint because " this is the government '' XX/XX/2016 - Spoke with manager who reassured increase in loan amount was correct but no paper record could be provided. He would expedite direct consolidation reversal and consolidation of loans remaining from initial request in XX/XX/XXXX. Imperative that direct loans incorrectly consolidated be reversed to receive credit toward loan forgiveness for payments already made XX/XX/2016 - Direct loan consolidation reversed but XXXX loans still awaiting consolidation. Multiple calls - now XXXX of these XXXX loans are consolidated XX/XX/2016 - " Consolidation complete '' letter despite XXXX loan still not being consolidated. 
XX/XX/2016 - Delinquent bill appears on account - amount taken out of my checking account but not applied to loans on FedLoan 's end Over this time period my loan amount has risen by {$50000.00} without documentation of how. Please help. When speaking with FedLoan consolidation experts they will " submit a complaint '' but can not provide any immediate answers or assistance.
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WI)

I am writing in regards to a notification I received today XXXX/XXXX/2017 on my credit reports. A collection was added to my reports and I want it removed immediately! The company is Americollect and the amount is for {$170.00}. I have never heard of this company and I do not owe them any money! I never received a dunning letter in the mail to dispute this matter. I want this inaccurate information removed from my credit reports immediately!
Consumer complaint received 2017-12-22
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: EQUIFAX, INC. (TX)

i have two items showing collection on my equifax report was due to identity theft they will not remove it after i show them my police report one was with XXXX XXXX for {$11000.00} and the other was with XXXX XXXX / XXXX for {$2600.00}
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IL)

In XX/XX/XXXX a judgment was filed against me in the amount of 3700+. In XX/XX/XXXX, I received a notice from XXXX XXXX that the amount from court order was for 4000+. I had called Midland and they said it was for the XXXX amount rather than the amount that was on the court order for 3700+. I had also informed them that due to only having social security benefits as income I could pay $ XXXX/mo in the form of a money order. They refused saying it had to be by check. On XX/XX/XXXX I received a notice from my son 's bank that they had frozen his checking account due to a citation to discover assets and that there was a court date on XX/XX/XXXX. When I checked the court docket in XXXX county, it appears that there were notices and motions filed in XXXX that I was never made aware of. I believe that XXXX XXXX for XXXX XXXX has broken a couple of federal laws in the federal debt collection practices by 1. going after my son 's checking account which only had his payroll directly deposited and 2. by falsifying  the dollar amount on the citation to discover assets as it did not match the court order.
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (GA)

XXXX XXXX XXXX has been calling me and somehow they now have gotten the numbers of my family members and are HARASSING THEM with constant calls. 
1 ) The name of the person they are calling about is under my maiden name, which was changed SEVERAL years ago ... yet they know enough to reach out to my husbands family? 
2 ) I do n't have any debts to my name. 
3 ) When I called them they tried to verify my name and a ) verified it wrong ... then tried to verify my birth year and had it wrong. 

I need them to stop harassing my family.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, when I tried to go to XXXX XXXX thru their drive thru to ATM Machine to withdraw money by using my credit card Capital One cash advance for XXXX dollars in XXXX dollar bills but instead received {$15.00} in singles. A XXXX employee witnessed the transaction. They then called Capital One fraud department to report the transaction and they said they well reverse the transaction and only charge me {$15.00}, but then when I got the Capital One statement of bills, it is not showing the reversed transaction and still got charged of {$300.00} with {$3.00} transaction fee. I am also a XXXX customer with checking account. XXXX XXXXshould also be held responsible since the ATM machine is giving out wrong amount of money. I have been following this incident several times to both Banks, but until now it is not resolved. This happened on XX/XX/2015. If this could be resolved it would be greatly appreciated. Thank you
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in XXXX, recently one of my XXXX friend who lives in XXXX agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an XXXX ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks
Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We contacted Wells Fargo again concerning a HAMP modification review on XX/XX/XXXX, the documentation was faxed on XX/XX/XXXX to XXXX ; each page had the loan number clearly recorded at the top. A letter requesting additional documentation was received dated XX/XX/XXXX, in it was a request for my husband to provide a XXXX and myself to forward XXXX more paystubs in addition to the ones on file for the pay period ( XXXX XXXX ending XX/XX/XXXX and XX/XX/XXXX, finally my XXXX XXXX, to which I escalated the unnecessary delay to XXXX XXXX XXXX via email and snail mail since a Wells Fargo staff member advised the HAMP program was no longer available since a Wells Fargo XXXX XXXX member advised the Home Affordable Program was no longer available to us. so, in XXXX upon receiving a phone call from another home preservation XXXX an unemployment affidavit was completed by my husband and sent to Wells Fargo ( same day XX/XX/XXXX ). Another letter dated XX/XX/XXXX,  request for additional information request my husband to forward a letter of explanation for a ( 1 ) " bonus '' recorded on his paystubs (? ) to include ( 2 ) clarification for overtime or if he has he ability to receive it again and ( 3 ) prior years income is greater than current year to date ( expecting any additional earnings for XXXX ) and ( 4 ) confirm how many people live in the house ; to which a letter was composed and sent to Wells Fargo at XXXXXXXXXXXX on XX/XX/XXXX,  while mind you my husband is still unemployed with no benefits paid. Today, ( XX/XX/XXXX ) when I called for an updated status I was advised the review was closed ... " its what we do when the file reaches 30 days in age without a decision, the reason noted was the requested documentation was not received. '' ( per XXXX supervisor XXXX ) now let me send you to a member of my team XXXX, who will complete your welcome call, hold please '' ... really? IN summary it appears to me Wells Fargo is not concerned about causing borrower harm or cancelling modification request ( without notifying the borrower ) just to keep from being fined when the review is NOT completed within 30 days.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear Sir or Madam, Back in XXXX, when my wife and I were trying to receive XXXX gift from our families abroad to put a down payment for our first home purchase, our family in XXXX used a money exchange company to send the money to our Bank of America account. 

It looks, due to the XXXX sanctions, the money transfer company did not use the global wire or swift system, and instead did it through bartering. 

After noticing some cash deposits in our account, Bank of America called us and asked if we know the people who made those deposits. We told the story and gave them full authority to investigate the case and if needed return the money to the people. 

On XXXX XXXX, we both received letters from Bank of America saying they have decided to close our accounts. 

We asked for the reason, but was told the bank has the rights to end her business with us anytime they want and is not obliged to give us the reason. 

We accept that, but asked BoA to give us any kind of documents or evidence of blocking that XXXX so our parents back in XXXX can take the money exchange company to curt and ask for the refund. 

Since then, we have not received any update or answer from Bank of America. 
They simply ignore us, and despite calling more than XXXX times to people who we are told are working on our case, we have not heard a word. 

BoA even kept the sum of $ XXXX in my wife 's saving account which has had nothing to do with that disputed deposits. 

It is so frustrating to see that how Bank of America instead of treating us as victims, incriminating us, most likely profiling us because our relations to XXXX, and treating us with ultimate ignorance. 

And all of this has happened after we both were loyal costumers of BoA for more that 5 years, and have got excellent records with them.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (FL)

UN-AUTHORIZED MONTHLY DEBITS BY XXXX XXXX/MERCH FEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) AKA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CHARITABLE ORGANIZATION, STARTING XX/XX/XXXX THRU XX/XX/XXXX. XX/XX/XXXX{$64.00}, XX/XX/XXXX {$64.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00}, XX/XX/XXXX {$94.00} TOTAL {$780.00}. XXXX XXXX XXXX, WENT TO REPUBLIC BANK - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. , XXXX XXXX, FL XXXX & SPOKE WITH XXXX XXXX, SALES & SERVICE REP AND FILED A STOP PAYMENT ON XX/XX/XXXX COST {$30.00}. REQUESTED INFORMATION RE : FRAUD REPORT, APROXIMATELY XX/XX/XXXX MET WITH XXXX XXXX, CUSTOMER SERVICE MANAGER TO FILE A FRAUD REPORT. ON XX/XX/XXXX RECEIVED MESSAGE FROM THE ABOVE PERSON INDICATION THAT WE HAD FILED TO LATE. BANK POLICY WAS THAT A REPORT NEED TO BE FILED WITHIN 24 HOURS OF THE EVENT. THE BANK REMAINED UN CO-OPERATIVE. ON TUESDAY XX/XX/XXXX FILED A FRAUD REPORT WITH THE CITY OF XXXX XXXX POLICE DEPARTMENT. POLICE DEPARTMENT TOOK ALL INFORMATION AND REQUESTED THE NAMES OF THE UN IDENTIFIED UNAUTHORIZED USERM, AS A LAST RESORT THE XXXX XXXX XXXX VISITED THE XXXX  XXXX REGIONAL SALES DIRECTOR XXXX XXXX AT XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX ON XX/XX/XXXX. XXXX XXXX TOOK ALL INFORMATION AND SAID THAT HE WOULD LOOK INTO IT. AS OF THIS DATE ( XX/XX/XXXX ) WE HAVE NOT RECEIVED ANY CORRESPONDENCE FROM ANY OF THE ABOVE INDIVIDUALS
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (NV)

I had a over draft fee and NSF fee issues with this institution..Branch manager was very rude constantly wanted to cut me off and asked for her superior whom she referred me to XXXX XXXX as the regional manager ... XXXX XXXX calls me the next day after my initial call to him and escalation email to the banks XXXX and he calls me and does the same thing ... .constantly cuts me off without allowing to get my point across and its either his way or the highway and does not like to be questioned ... ..he then tells me I have 10 days to close my account or he is gon na close the checking account for me. This bank 's problem seems to trickle down from leadership to the branch manager as if it is ok for the branch manager to be rude to their customers since the regional manager believes he can be rude and constantly cut me off ... .I reached out to the parent company Zions bank which pushed me back to the president of the Nevada state bank XXXX XXXX and gave me a # to call which I did and a guy picked up the phone and said he is the chairman of the bank and he has seen my email and someone named XXXX will contact me. I do believe XXXX XXXX did not like me asking him the actual procedures and federal laws that over the entire process and I do find him that he is either using my race against me or perhaps has personal issue with someone escalating to the office of the president and then is making a decision for me to forcefully close my account ... ..I get to decide to close my account if and so I want to do such not XXXX XXXX unless my account meets the banks policy requirements being in the red for so many days and they can force the account closed due to negative funds ... I am requesting that XXXX 's XXXX decision because he just decided to close my checking account to be denied as well as requesting the bank to provide written policy for business checking account over draft fees and pending transactions as well as written Policy when can the bank close a checking account at their sole discretion. I do believe XXXX XXXX from Nevada State bank is using race in this decision and none others besides the fact I asked him to provide such information in writing and the fact I asked him not talk over me while I am telling him my issues ... So far from the branch Manager to her immediate supervisor who is XXXX XXXX very rude, unprofessional and XXXX possibly and not like being asked questions about federal laws and written policies.
Consumer complaint received 2017-09-28
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: Experian Information Solutions Inc. (GA)

I have reached out to both XXXX and XXXX XXXX by email and phone calls about the attempts to pull my credit on XXXX/XXXX, XXXX/XXXX/, and XXXX/XXXX. Emails were sent on XXXX/XXXX. Follow up calls were made XXXX/XXXX-XXXX/XXXX.  I explained that I am a victim of identify theft and that is why I have a fraud alert and security freeze. That neither of those companies followed the process of calling me on my cell phone and asking the additional security questions that they are required to follow.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX XXXX XXXX XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX XXXX XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX XXXX XXXX
Consumer complaint received 2017-09-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Equitable Acceptance Corp (MD)

Upon obtaining a XXXX position for the State of Maryland, in XX/XX/XXXX of this year I decided to apply for loan forgiveness where after 10 years with the state, the balance of my student loan would be forgiven. At that time my loan servicer was XXXX XXXX. They assisted me to apply for forgiveness as well as filing for income-driven payments and loan consolidation. I followed their instructions in filling out the forms. It was a very confusing process where there were several agencies that needed my information and most information had to be submitted online. 
After receiving notification from Federal Student Aid on XX/XX/XXXX ( an office of the US Department of Education ) that my loans were in the final stage of being consolidated, I was instructed to make payments to XXXX. Somehow in the process, a company called Equitable Acceptance and XXXX XXXX became involved and is now charging me {$1400.00} for the service of consolidating your loan. I dont know if I had given them my information, or they obtained it from another agency but they are now trying to pull payments from my checking account with e-mailed forms with my approval. I contacted XXXX and they informed me that consolidating my loan was free and there was no evidence that a Third Party Agency had been involved with my loan. The Board of Education does not accept electronic signatures. The forms I signed from XXXX XXXX were electronic, therefore the XXXX did not accept their fake consolidation forms. I put stop-payments through my bank and now have found that this issue is affecting my credit. 
After doing research on Equitable Acceptance, I have found that they have a D rating with BBB and numerous complaints from people like me as to how they end up owing Equitable money. There is also numerous postings that the company is a Scam. I am getting calls daily from XXXX as well as a company called XXXX XXXX. It seems as though these companies get information from the internet and make applicants believe that their services are needed to complete the process. I have attached copies of these letters that I have received. 
In XX/XX/XXXX I contacted the companies to inform them that I did not need their services. I was told I could not cancel.