davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called capital one about limit sharing information at XXXX at : XXXX/XXXX/XXXX in XXXX and XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 
XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

XXXX/XXXX/XXXX in XXXX -- - NO ANSWER / NOTHING BUT A RECORDING! 

Note : I waited over twenty minutes on my cell phone on the dates above. I contacted XXXX XXXX at XXXX i contacted XXXX XXXX XXXX at XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX gave me contact number XXXX. I called this number and waited over twenty minutes again. - NOTHING BUT A RECORDING!!! 
PLEASE CALL ME!!
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Navient Solutions, LLC. (NY)

There are discrepancies on my credit report. There are open loans and credit cards that I didnt apply for. Im also having issues getting loans and credit cards. I recently applied for a credit card and a personal loan from XXXX but it wasnt approved. This happened about a week and a half ago. I want to be able to get a loan and a credit card. I want the discrepancies removed from my credit report.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (NY)

I graduated from XXXX XXXX University in XXXX 2016. I was told that I would start paying my loan six months after graduation. However, Sallie Mae made a mistake with my account and now it appears that I have a late payment with fees. I was not aware of this and when I tried to speak with a representative, they blamed the University. This is not an isolated incident. They also made a mistake with my sister 's account, last week. My issue is that they should have a record of my loan disbursement which would show my enrollment in school for the XX/XX/XXXX 2016. I feel as though they purposely make mistakes in order to charge extra fees. This is not right and I should n't have to pay for their mistakes. This affects my credit score. How do I proceed from here?
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX XXXX called repeatedly, 7 days a week, from XXXX XXXX - XXXX XXXX, they block their phone number. Ive received over 30 calls from them in one day. Ive had a voicemail from them left after calling from an anonymous number threatening me and telling me that myself or my attorney must contact them today or she would be forced to place action against me that would impact me directly. I feel threatened by the company. Her return phone she left on the voicemail is XXXX ext XXXX
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Dear CFPB, I have learned about the recent lawsuit against Navient. They have been my loan servicer. I have been paying on my student loans for years and the principal has barely gone down. It seems that all payments go to interest. I do n't know what information you need, but I 'm very interested in joining in this suit if I am eligible, or restructuring my loan so more of the payment goes towards the balance. I am XXXX yrs old, and still paying my student loans off. Thanks so much for your time.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is not giving Giving me any Response from XXXX XXXX about why are they reporting after more than 2 years, They allow to poison my credit sending every month the account is off charge, is Poison my Credit, this is a illegal action from XXXX paying Transunion to Damage my Credit Report, Off Charge is one time action not a recurring action by the Fair Credit Reporting Act. I need them to Stop Poison my Credit for this Action.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX received my credit report from report number XXXX Experian company XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX phone number XXXX XXXX XXXX acct no XXXX address identification number XXXX what is wrong is they are saying we went bankrupt chapter XXXX on XXXX XXXX XXXX which it should say XXXX XXXX XXXX and then it says the loan was modified which the terms are susppose to stay the same it was transferred from XXXX status they are saying we are past due {$3200.00} as of XXXX XXXX this is wrong we have proof of all payments. We have one payment behind of {$1000.00} not our false XXXX gave us a modification in XXXX and they took it away because they said we filed bankruptcy and so we paid {$800.00} because they did not tell us because they claim they could not communicate with us. So we have been catching up by paying {$1200.00} and what ever extra money we can pay. For 5 years been trying to get caught up during our chapter XXXX bankruptcy so now we are dealing with XXXX since XXXX XXXX XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00}, XXXX/XXXX/XXXX {$1200.00} carried over from XXXX unapplied funds {$840.00} our regular mortgaged payment is {$1000.00} so we carry over {$100.00} x XXXX = {$400.00} Which brings the total in unapplied funds {$1200.00} enough for a payment that we are behind on plus XXXX paid one we were behind on to which leaves only one payment left there saying we are behind three payments of {$3200.00} this is not accurate and I talked to XXXX XXXX XXXX XXXX and XXXX and they said I am wrong and this is accurate I want something done please
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Bread Financial Holdings, Inc. (MD)

In XXXX 2017, my identity was stolen, and used to open a series of fraudulent credit cards. One of them was a " XXXX '', issued by XXXX. Having contacted them and explained the fraud, they informed me that the identity thief had been granted immediate credit in excess of {$1000.00}. 

Instead of immediately closing the account and expunging the debt in accordance with FTC and consumer law, I was informed that the account would remain open for up to 90 days, during which time the fraudulent balance would still stand. I would still be billed, and would still be found legally responsible for this fraudulent debt in my name. No other credit card company took these ridiculous steps, even those for which the falsely obtained debt exceeded {$3500.00}. As I have no intention to pay debt for which I am not legally responsible, and it was indicated that the matter would remain open for 90 days, it is now a real concern that this matter would adversely affect my credit report. 

I have already filed a separate FTC complaint regarding the theft as a whole, but the actions of XXXX in particular currently stand as a real and pertinent danger to my credit, all because the organization refuses to take responsibility for their facilitating the theft. It is my hope that they can be made to comply with the law, fully and completely cancel the fraudulent account in my name, and erase the debt.
Consumer complaint received 2016-09-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (TX)

my name is XXXX XXXX my telephone number is XXXX my address is XXXX, TX XXXX I 'm complaining about my heart loan that was originally approved with XXXX XXXX XXXX the originator of my loan which was done back in 2005 I completed the process of acquiring A harp loan but my payments have continued to go up regardless of the guidelines that are set is a hard process. XXXX alone servicer made numerous errors in the accounting of my account in regards to figuring the escrow and taxes in which they more than once regarding the right amount of tax to be assessed on my XXXX a {$3000.00} unapplied funds which had to be retroactively corrected after having my loan for less than a year they transferred the loan to Shell point mortgage servicer also increase my payments even while I was under the harp program saying they had the right to ask for an additional {$900.00} to Cushing my loan they have failed to provide me monthly statements they help with failed to return phone calls you 're unwilling to provide documentation is on what they 're doing I 'm filing this complaint in regards to my Shellpoint Mortgage Servicing loan number XXXX. Shell point mortgage servicing address is XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2015-08-19
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (NJ)

I am the prospective buyer of a property located at XXXX XXXX XXXX, XXXX, NJ. I submitted an offer and entered into a contract with the Seller at the end of XXXX 2015. Following a request for financial documents by the bank, which I provided, the property was then listed on XXXX for auction ( this is an OCWEN short sale ). The property was listed 3 times, we were told for market validation, without success in that there were no bidders. We are now told that the property has been returned to OCWEN 's short sale department but that a new representative was assigned due to a change in staffing. That new representative is again requesting financial documents and we are told that this process may take another 30 days. I understand in reading up on OCWEN 's short sale process that the property had to be listed through XXXX. The fact that it had to be listed 3 times without success is questionable, but now in the past. The fact that OCWEN wants to potentially see the same documents all over again, is frustrating, but something we expected. The length of time that this is taking when we are the only offer out there is what is troubling, in addition to the fact that CFPB regulations which were recently amended in XXXX 2015 expressly state that we should have had an answer to our contract within XXXX ( 60 XXXX days, which OCWEN has unquestionably run afoul of. I know that OCWEN has been investigated recently regarding their business practices as well as their relationship with XXXX and I want them to be held accountable under their new corporate structure for what I perceive to be a continuation of those practices. I am asking that my contract be considered and a decision rendered immediately and that, in further compliance, with the regulations, that we be kept in contact regarding the progress of our contract.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (DE)

My issue involves XXXX financial institutions. I have an existing personal loan with XXXX ( XXXX XXXX XXXX ) which I decided to payoff via a personal loan with PNC Bank at half the interest rate. 

PNC sent XXXX a check on multiple occasions to multiple lockboxes but the checks were sent back to PNC. XXXX could not provide a reason why the checks were not accepted by their lockbox service. I confirmed with PNC that my account, name, and the mailing address of the lockbox were all correct. Additionally, we sent a payoff via XXXX which was signed for when delivered. 

PNC refuses to try and pay XXXX via EFT or fund my account directly to pay XXXX via EFT. Additionally, PNC will not reduce my personal loan for the funds that have not been disbursed to XXXX. 

I am left in a situation in which XXXX loans are accruing interest and neither bank will try to resolve the situation in a manner that helps me.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (NC)

Vendor keeps charging my debit card for a service not received and never signed up for. We inquired about XXXX classes for my son. The vendor required my credit card number even though they offered XXXX free weeks. I was told it was for liability reasons. My son got hurt the XXXX free class they offered. He was under doctor orders not to practice for XXXX weeks. My son informed the school he would not return due to injury and then summer would be here and he would not be in the state. They told him it was not a problem and he could return next school year. I have called them every month and each time I am told I must speak to the owner but he is never there and has never called me back. I filed a complaint with my bank. First they mailed the paperwork to an old address and then denied my claim due to not returning the paperwork. I went into a branch and completed the paperwork and it was sent by a bank employee to the claims department. Still did not hear anything for a week so I called the claims department and they again told me they did not receive the paperwork. I went back to the branch again and the same employee sent the paperwork in and confirmed they received it. Now another week has gone by and I received a letter in mail today that they denied the claim again and state they do not have my paperwork and need proof of cancellation. What proof would I be able to provide when there is no contract? They have the dispute forms that have been sent XXXX times. I have asked my bank also to provide me with signed credit card slips as required by law and they tell me they do not have to follow that law. They told me I needed to provide them with the signed cancellation forms again and then they hung up on me. They have been very unprofessional with this and it seems they do not care. 
The charges are as follows XXXX XXXX XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, and XXXX {$130.00} XXXX *this charge was after my initial complaint and they allowed it to be charged )
Consumer complaint received 2017-09-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

In XXXX of XXXX I opened a 7 year CD at 3.85 % with USAA. When the XXXX matured this past XXXX XXXX, USAA automatically rolled over the proceeds from that XXXX into a new 7 year CD without my knowledge or consent. The new XXXX has an interest rate of only 1.1 %. In order to get my money out I had to pay a {$2500.00} early withdrawal penalty from the new XXXX that they opened without my knowledge or consent. I tried several times to get through to the bank in late XXXX and early XXXX. It took me several attempts to get through to the bank by phone, each time being transferred and placed on endless hold. This is a predatory practice aimed at cheating unsuspecting customers.
Consumer complaint received 2017-02-11
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

This company said they will close my account for making to many disputes ; when I first signed up for the account I opted out of overdraft protection ; they closed my checking account and charged my savings account XXXX {$35.00} non sufficient fund fees. I opted out of overdraft protection how can they charge me for closing an account before pending items have not posted tell me to go get my funds out the bank than charge me XXXX fees on top of the item amount and than I spoke with XXXX reps now who said a supervisor will call me back oand never did
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I faxed over a dispute and mailed it to Transunion. Twice they lied and said they did not have a drivers license in order to not investigate my dispute. I am attaching my license so someone else can over see it. I also need the items in the letter investigated within 15 days because they are very much behind. 

I already sent letters certified to verify the following collector and creditor accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this accounts was disputed on XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, see proof in attachment investigation still in process takes more than 30 days, no any answers
Consumer complaint received 2016-05-04
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC (OH)

Have received numerous calls from. National Credit Adjusters but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed XXXX XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with XXXX ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo deposited and cashed a XXXX party check without having the required XXXX signatures. Outcome to XXXX XXXX, 2016 letter from Wells Fargo Original compliant XXXX. 
XXXX XXXX, 2016 Subject : original CFPB XXXX XXXX XXXX XXXX since your last correspondence date XXXX XXXX, 2016, I have followed up with XXXX regarding the breach check on XXXX XXXX, 2016. As of XXXX XXXX, 2016 XXXX informed me that Wells Fargo has requested additional documents, I have included Citibank 's correspondence. A S Home Improvement is Wells Fargo client. I have not had any contact with A S Home Improvement since Wells Fargo deposited and cashed the check without the required signature from A S Home Improvement on the XXXX party check. This account and video has been subpoena by XXXX. Contact XXXX XXXX XXXX regarding the police report and warrant. 
Although you have stated Wells Fargo corresponds directly with XXXX, XXXX suggest that I correspond with Wells Fargo. It appears to become a XXXX game that I can not entertain. Wells Fargo gave the funds away without following Banking Regulations. I am the victim of this crime. The request for me to get an affidavit from your client, who has vanished, is absurd. Wells Fargo is liable because banking protocol was not followed. Therefore, the breach check needs to be replaced in full and sent to XXXX. More than enough time has passed to resolve this issue. 

CC : CFPB