davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (DC)

Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in  XXXX  I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.
Consumer complaint received 2017-05-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Direct Recovery Services, LLC (TX)

On  XXXX   XXXX ,  2017, I wa s contacted by Direct Revoevery Services which indicated I owed a debt and that they had personal information which indicated I had to pay the debt. This initial contact was via voice mail. I contacted them concerning the voicemail and spoke with an male who refused to provide me with specific information regarding the debt. He was rude and kept insisting that I had to pay the debt or else. He further indicated that he was NOT going to provide me with any written information as requested regarding the debt. He refused to answer any questions I might have only repeating that I had to pay the debt.
Consumer complaint received 2017-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dear Sir Or Madam, I tried to open a Cap italOne 360 checking account about eight m onth ago.   My application was rejected because of an unclear verification issue.   In spite of my com plaint No.  :  XXXX  by CFPB, a transparent verification procedure was not provided and a CapitalO ne 360 checkin g account was not opened.     However, I receive
d a CapitalOne   offer to apply for a credit card about one week ago.
Could you explain why CapitalOne   fi
rst rejected my application for a simple checking account and then offers me to apply for a credit card?
Consumer complaint received 2016-06-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have signed up for AMEX XXXX card back in XXXX, XXXX with a XXXX application. 
I have linked my XXXX Credit Card account with AMEX SERVE account and transferred {$70.00} They send me AMEX SERVE card. 
I have used my XXXX application several times until XXXX. After that i have stopped using it. 
Starting from XXXX, XXXX they have started charging me monthly fees {$4.00} without any notice. 
I came to notice this on XXXX XXXX, XXXX when i received Email from AMEX XXXX Team saying, " They have added {$50.00} from my XXXX account, because my balance was below {$25.00}. '' This is something not acceptable. 
First of all, They did not send me any notice, email, phone call, not even a physical mail or not even a single statement since i have opened account. 
If i would have received at least a statement in mail/email, i would have closed my account so that i wont get charged monthly fees for the service or card which i am not using at all. 
Please file a complaint and let me know what i have to submit as a proof. 
After i have received email on XXXX XXXX, XXXX, i checked account and saved all the statements and i came to know that i was charged $ XXXX since XXXX, XXXX.
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

My IN-LAW used Wells Fargo SurePay to transfer money to my Wells Fargo account. My In Law provided my account number and name in the process. She attempted to send XXXX on XXXX/XXXX/16 but as of today, Still have n't received it. Wells Fargo said it was " Successfully '' transferred.. but instead.. it was sent to XXXX XXXX XXXX. So I contacted XXXX XXXX XXXX, Let them know what 's going on and they said they have nothing to do with it. I am a previous XXXX XXXX XXXX customer. But still, that have nothing to do with it. My IN LAW was tried to dispute the XXXX with Wells Fargo but instead, she was told that it 's up to XXXX XXXX XXXX to Re-Direct the money back to where it came from.
Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I am attempting to get a modification on my mortgage with Wells Fargo. I have submitted a loan application twice which was denied. The first application was denied because I did not make enough income. I obtained a part time job and resubmitted. The second application was denied because I did not have sufficient history of the higher income ( i.e. had n't made the income long enough ). For each modification denial, I have taken the necessary steps to do everything requested of me. However, I believe that Wells Fargo continues to " move the mark '' once I achieve it. Additionally, my primary source of income is self employment. I have provided Wells Fargo with 5 months of income from my business. I believe that Wells Fargo is not properly considering my business income in its determination as to whether I can participate in the loan modification program. 

After the denial of each modification, my home is scheduled for foreclosure sale. When I request information on the amount needed to bring the loan current, it includes {$1500.00} of foreclosure fees. Ive requested from Wells Fargo verbally and in writing for a break down of the foreclosure fees and have not received it. A representative told me that it included a " home inspection ''. If my house has not been sold, how can a home inspection occur?
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

My parents, XXXX and XXXX XXXX, obtained a loan from XXXX some twenty years ago relating to flood damage to their home in XXXX. They made payments on the loan for years. They are both now deceased. 

XXXX XXXX passed away on XXXX XXXX, XXXX, and XXXX XXXX passed away on XXXX XXXX, XXXX. Both died intestate, and without assets. No estate proceedings have been, or will be, commenced. 

Bayview is attempting to collect the loan despite the fact that both parents died without assets. 

In addition, Bayview is attempting to collect this debt from the decedents ' daughter, XXXX XXXX, who bears no legal responsibility for this debt. They are sending demand and collection letters to XXXX XXXX at her address at XXXX XXXX XXXX, XXXXXXXX. The decedents, XXXX and XXXX XXXX, never resided at XXXX XXXX XXXX. 

Finally, Bayview is falsely misrepresenting that this is a mortgage debt and that there is a mortgage on XXXX XXXX XXXX, XXXX XXXX 's residence, when that is not, in fact, true. XXXX XXXX is an apartment complex.
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

I was forced to move out of an apartment complex due to repeated issues of non compliance by the management and owner of the building - including but not limited to mold, unlawfully towing personal vehicles, and not abiding by their terms of the lease to provide an adequate place to live. I notified the owner in writing that I would not pay one month 's rent for the partial last month I resided there - due to them breaking the lease, and the need for me to obtain proper housing for my family. I did have a deposit on this unit, and did forfeit that deposit upon move out. A collection agency ( FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ) has contacted me and is reporting against my credit for a balance due that I do not owe. I have contacted my local and state representatives for assistance, and filed a dispute to this collection agency, however to date they are still negatively and inaccurately reporting and collecting against me.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

My credit for all  XXXX  bureaus is always locked until I unlock them. Recently, I decided to buy a new car, so on  XXXX   XXXX  I unlocked all  XXXX  reporting bureaus so that the car dealers could access my credit. I removed the freezes for just  one  day.  XXXX   XXXX  and  XXXX  automatically re-froze my credit on  XXXX   XXXX , but Experian would not do so even after I called them to do it. They are leaving it unlocked until I sign up for their credit-monitoring service that will coast me {$24.00} per month. I have appealed to them to freeze it up, to lock it up but they are refusing to do so unless I become a member of their credit-monitoring service. They keep sending me emails that my credit is unlocked. This is intended to frighten me into joining their credit-monitoring service. This is blackmail in the literal sense and has to be illegal. I simply want them to freeze my credit up again.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (WI)

I have been a Chase XXXX preferred customer since XXXX. In the middle of XXXX, XXXX I became aware of the new Chase XXXX reserve card. I simultaneously closed my XXXX preferred card account and opened my XXXX reserve card account. At the time I believed that my accumulated points, worth close to {$2000.00}, would be rolled-over from XXXX account to the next. 

Recently ( XXXX/XXXX/XXXX ) I received a notification that this is not the case and I will lose the XXXX {$2000.00} in cash value. I find this extremely disturbing because : 1 ) it seemed intuitively obvious that I would want the points rolled over and 2 ) I was not informed of the non-rollover policy at the time of closing XXXX account and opening another. If that was the case I would have certainly requested the payment in cash. 

I request your assistance in having Chase rollover the point value from my old account to my new account.
Consumer complaint received 2016-08-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (UT)

I had a Home Equity with Wells Fargo and XX/XX/XXXX they approved a short sale and it was complete XX/XX/XXXX. However, they did a new update in XX/XX/XXXX for no reason even though the short sale was complete. This is affecting my financing since they have a recent report date due to this fact.
Consumer complaint received 2016-05-10
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

On XXXX I purchased a bunch of XXXX gift cards from Paypal XXXX XXXX. Paypal XXXX XXXX was listed as the seller on eBay and they were the company that fulfills the order via email. Last week I attempted to use these gift cards and they say they 've already been used. I first tried to contact ebay but 30 days has passed so their guarantee is up. Then I tried to contact Paypal digital gifts but they referred me to sears who referred me back to Paypal who referred me to XXXX who referred me back to Paypal. My frustration increased when Paypal flat out refuses to send me new gift cards. I have the order numbers and all of the information. Their stance is its on XXXX to make this right. This is ridiculous! THEY are the ones I bought these from and its Paypal XXXX XXXX who is responsible for making this right, not the consumer. Please protect me, the consumer!
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (NY)

Received a correspondence on XXXX/XXXX/XXXX from collection agency on a red light camera ticket from XXXX, apparently issued by XXXX County, NY. They can provide no information regarding the debt, including payments already made. When I called to inquire, the responded that they did an audit and found accounts that still owed fees. I expressed my concern that they could n't provide any information regarding payments I made in XXXX, and that this occurred almost three years ago. In addition, when i indicated that I would speak directly to XXXX County the ticketing entity, she replied they wo n't help you, they will just send you back to us, but go ahead and call them.
Consumer complaint received 2016-12-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Bay Equity LLC (CA)

I 'm purchasing and brand new home in XXXX XXXX and applied for mortgage loan from Bay Equity Home Loans since the end of XXXX 2016 and we received email and the package congratulation for the loan approval in XXXX 2016. It was supposed to close escrow in the week of XXXX but it did n't happen because at that time they then start asking for more and more proof of our sources and the time lengh that where my partner lived before.. Every time they ask, I provide it to them right away, NO delay but I never heard an update few days or week later then I contacted them, and every time I contacted them, they ask for more and more. I had documents sent over from XXXX and they said they need interperetor to translate and I still did n't hear nothing until 10 days later they still said that they still looking for interpretor then next day afternoon XXXX contacted me and told me to cantact some lady to pay {$250.00} for translation but that lady 's company do n't take credit card, the lady asked to to transfer the fee into her coworker that has the same bank with me to avoid the transfer fee for me, she said. I took care whatever I need to take care but until now they still telling me maybe next week, tomorrow. I took their words and assumed as it, I ordered appliance, furnitures and kept on reschedule so many time due to delaying on the loan at the point that delivery companies wo n't let me reschedule anymore
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STERLING JEWELERS, INC. (FL)

Jared the Galleria of Jewelry keeps calling and emailing me at my job after repeatedly being told to stop doing so as this can result in me losing my job. They are also calling my sister at her job and keep calling various family members of mine. My account was up to date and being paid and they closed it for no reason and are now harassing me even though I am on time with payments.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST NATIONAL BANK OF OMAHA (NE)

I was issued a credit card by First National Bank of Omaha under the title of XXXX. I made all payments at the First National locations in XXXX. I allowed my daughter to use the credit card. 

Today at a trial in XXXX, a XXXX year employee of First National Bank denied the credit card was issued from XXXX. He contended, under oath, that was not possible. But I know firsthand as I used it. I am not denying that, but the employee from the collections department at the Bank was untruthful, as to the issuance, activation and ownership of the XXXX 

The records will verify I made payments until I incurred medical, legal and financial difficulty and I never refused to pay. XXXX, being the XXXX dollar corporation litigated against my daughter and I contending we were jointly responsible. And conveniently, First National contended they do n't have any records prior to XX/XX/XXXX, to verify the card was issued under the XXXX name. 

In the XXXX XXXX on page XXXX item XXXX, it states " From approximately XX/XX/XXXX until XX/XX/XXXX, Respondent marketed and sold the Credit Monitoring Product PrivacyGuard. '' How does XXXX acquire records as First National contended they do not mine have relating to the XXXX Visa? I believe they are involved in another untruthful operation. 

I am requesting an interview to ascertain if an illegal act has been committed. 

Thank you. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section  623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the   information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation withi n 5 busin ess days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as :  1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3. XXXX   XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6.  XXXX   XXXX   ACC  BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (AZ)

I opened a personal checking account with BBVA Compass bank located at XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, and when using my ATM card on a purchase one day, my card was charged overdraft fees after the ATM authorized transaction fees exceeding the available amount in my checking. I disputed the fees and received no help. When I attempted to close the account, the bank was uncooperative and hassled me by USPS to pay the fees putting the account in default status. I have read this article- XXXX/
Consumer complaint received 2016-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: NCC Business Services, Inc. (FL)

Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.
Consumer complaint received 2016-05-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: U.S. BANCORP (OH)

To Whom It May Concern, I filed a XXXX Complaint after having trouble with obtaining some information about private student loans listed on my credit report dating back to XX/XX/XXXX. I requested copies of the original promissory notes and full payment history for all accounts involved. I received applications and no payment history. 

In my complaint, I mentioned there are duplicates listed on my credit report. Where XXXX claims there are XXXX loans, there are XXXX-XXXX listed. She stated maybe XXXX XXXX ( the loan servicer ) listed them also, but they are under no obligation to remove them. 

I also mentioned that due to the age of the alleged loans, they would have been removed ages ago due the 7 year requirement. My last date attended for Ohio State was in XX/XX/XXXX and any student loan I had, went into repayment in XX/XX/2006. Since no payments were made ( to any of my loans ) they would have all been defaulted by XXXX after 270 days of non-payment. 

These loans were taken out ( starting in XX/XX/XXXX ) XXXX years ago it is unethical to have it knowingly duplicated ... AND listed as a current debt. Please research into this as I am securing an attorney to help with the intentional and blatant violation of the laws.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IN)

file # XXXX chapter XXXX According to the FCRA ... I have a right to know how the information was obtained and where it was obtained to verify the chapter XXXX file number XXXX. They failed to send me information on how this was verified and with whom they verified it with. This is a serious FCRA violation. The court house claims the credit bureau does not verify with them either on someone 's bankruptcy filings .. so where did Equifax get their information from? Looking at your computer screen is not validating and verifying information. If they can not show me proof they have to delete this information immmediately!!