davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CapitalOne 360 Bank put a hold on my checking account. I received threatening email that my account would be closed if I do n't call. i had to call security department to get hold lifted, but security dept did not answer my phone call, despite repeated attempts and call transfers from supervisors. Security then called me from number that did not specify the bank 's name, and the operator had heavy XXXX accent, and would not forward me to supervisor despite repeated requests. I am on phone with the bank for over 3 hours and still no resolution. MY CHECKING ACCOUNT IS ON HOLD, and I can not get access to my money. This is taking advantage of me as XXXX. I have been actively trying to get someone to help me, but all my calls get transferred back to the phone que and no one answers.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I called  Navient to obtain 12  months of my payment history in order to obtain a mortgage. There is a new rule that states if there is a co-signer on a loan who made payments for 12 months and you can show that proof then this amount is not factored into your debt to income ratio. It is a very important step in the mortgage process especially for a first time home buyer with student loan debt. When I called  Navient the first time for thi s payment history ( since there is no way to obtain this information in my online account ) they were wrong  about my payment history and in fact could not tell me who paid my loans. The next time I called Navient th ey told me that they could write me a letter because they could not provide copies of the checks that were sent to them each month that they processed as payments on my loans. However, after speaking to  3 levels of customer service, Navient informed me that the letter could only be sent by US mail in 7-14 business days. This  is an ABSURD amount of time for someone involved in the mortgage/underwriting process and attempting to close on a home within 30 days.  Navient told me that they could not email me the letter. Compare this to other government lenders who have mortgage letters readily available on the online portal accessible immediately. THEN, a week later I needed to contact Navient for a copy of my original promissory notes. AND THEY SENT THE WRONG PROMISSORY NO TES. I only have  XXXX  active loans in repayment w ith Navient. Ye t, they did not even send me the correct information. THEN, after they " found '' my original promissory notes for the  XXXX  loans the estimated time to send me the documents was by   XXXX   XXXX   XXXX     when I called on   XXXX   XXXX   XXXX    . Why is n't the original master promissory note attached to my account and on file and readily accessible? More than 2 months for a routine document necessary to provide to an underwriter to obtain a mortgage is  UNREASONABLE. Navient has the ability to prevent me from obtaining a mortgage that I am otherwise qualified to obtain SOLELY because of their inability to provide me with documentation associated with my account, which is current and historically paid on time. If Navient can not provide adeq uate and accurate information within a reasonable time period to its customers then they should not be in business and should be shut down for unfair and deceptive business practices, misleading customers and unduly withholding customer information.
Consumer complaint received 2016-11-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

I keep receiving pre-approved offers in the mail in my sons name. To protect his identity I have called the company and they said it would stop. I have called the opt out and so have they. Currently I have had to shred every week offers. This is Capital One XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On  XXXX   XXXX ,  2017 ,  Citi  imposed a {$35.00} late fee and {$170.00} in interest on my credit card account. I had made payment through my bank 's bill-pay feature, and had proof of on-time payment. So I called Citi about  XXXX  EST on  XXXX   XXXX ,    2017  to look into the erroneous late fee and interest. Customer service representative "  XXXX  '' said payment was due on  XXXX   XXXX , but not received till  XXXX   XXXX . I looked at a calendar, and saw  XXXX   XXXX  was a Sunday. I explained to  XXXX  that federal law prohibits penalties for payments received the next business day when payment is due on a Sunday or holi day. Citi refused to acknowledge its mistake, or reverse the late fee or interest. Hence this request for CFPB 's help. Thank you for your assistance.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: EQUIFAX, INC. (MS)

I applied for a car loan. I placed a credit freeze on my account in  XXXX    XXXX   after I was the victim of identity theft. I had a new number then. Now, I applied for a loan and the salesmen is telling me that I have a freeze alert on my account. However, when I contact the  XXXX  major bureaus they are denying that I have a freeze. Thus, I have been denied credit because they can not verify that it is me requesting the loan. I have told them several times to contact me at my recent number but they said that they have to use the number that was on the initial fraud report. It is frustrating because I know that my credit is  Good.  The companies involved are :    XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  of  XXXX , MS  XXXX   XXXX   XXXX  I have nothing against these companies. It is the credit bureaus telling me that I do not have a credit freeze ; but telling lenders that I do and lenders are caught in between.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

My vehicle was totaled in  XXXX / XXXX / 2017 , my insurance  XXXX  mailed a check to  Credit Acceptance on   XXXX / XXXX /   2017  and this check was cashed for {$9300.00}. The balance was  XXXX . We were notified by Gap insurance, additional monies was paid on    XXXX   XXXX  2017 , leaving me a balance of {$200.00}, which I paid at that time. Paid in full letter was dated  XXXX  2017  fr om Credit Acceptsnce. My  credit report is showing a balsnce of over  XXXX  and when I filed a dispute with   XXXX   to have my report update d, Cr  edit Acceptsnce stated all information was correctly reported in my report. Plea se hold this company accountable, as they have not reported any payments beyond    XXXX    2017   . This is affecting my score and I am in the process of purchasing a home.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC (WV)

XXXX   XXXX   denied credit for a mtg on  XXXX - XXXX -2017. Tried to obtain a credit report by internet but was unable to complete the application. I have tried this route several times in the past and have not been able to obtain a cfedit report once turned down for credit. I am p.o.about not being able to easily obtain my credit report through this venue. I want my report to dispute the contents. Now.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (IL)

I have con tacted JH Portfolio Debt Equities LLC by  mail, letter sent  XXXX / XXXX / 17 , and they received it on  XXXX / XXXX / 17 , return receipt attached. I have not received anything back and are clearly ignoring my letter but are still reporting on my credit report. I want them to stop reporting per my FCRA rights.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (CA)

I have been a member of Navy Federal Credit Union for well over 27 years. But in the last three years I have noticed a clear and distinct drop in service, care and overall concern for their members both new and old. Recently when I had a erroneous charge on my XXXX account, when I called to challenge the erroneous charge, I was given the run around and told to speak to a supervisor. When transferred to the supervisor I only got his voice mail. Despite repeated calls and voice mails to this supervisor, to date, I have never received a call or follow-up. And when I called their main office, I was actually told by the rep, " Oh well ... do n't know what to tell ya! '' When I asked to speak to her supervisor, I was disconnected. I have written, called and sent various emails and again no response or anything. So even with well over {$30000.00} dollars in funds of checking and savings and a member of over 27 years, there has been nothing in the way of service or assistance. I will now move my funds out and go elsewhere.
Consumer complaint received 2017-06-07
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: CORELOGIC INC (CA)

Do n't know who Credco, or XXXX XXXX is, nor have I authorized, or signed ANY application for ANY credit inquiry for CREDCO/, or XXXX XXXX on behalf of XXXX XXXX!!! I have been in receipt of credit inquiries for the dates of X/X/2017, X/XX/2017, and X/XX/2017 via credit alert coverage that I have through XXXX/XXXX. I have had my identity compromised, and have filed a Identity Theft report ( attached ) with my local police.
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

my mortage is serviced by select portfolio servicing aka investor   XXXX   XXXX   XXXX   XXXX   I have not received acall in 4 months fore a loss mitigation option first house was foreclosed then bank resinded the sale of house I received aphone call thatit was resinded and a letter from bank but the house was never put back to my name like sps promised 5 months later house goes up for foreclosure on  XXXX  now imhere crying fowl feel like sps committed a violation and wants toforeclose on my home withnot giving me the opportunity to keep my home pleaseinvestigate and help with my issue losing home with nohelp offerd thanks  XXXX   XXXX   is my nam e thanks
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX    XXXX   IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED  XXXX    XXXX   SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  XXXX    XXXX   TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Consumer complaint received 2017-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (CA)

Upon checking my credit today I noticed a derogatory mark from Persolve LLC for the amount of {$3500.00}. I have never received a phone call and or notice via mail/ email regarding this collection. In addition I have no idea what this account is regarding. I have settled all my medical bills and or pas old debt so I am clueless to what this is regarding.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (CA)

My name is  XXXX   XXXX   XXXX  and I got a car loan from Santander consumer USA. The loan was to mature  XXXX . The original cost on the car was  XXXX . I put down  XXXX  dollars and my monthly payment is  XXXX  for 60 months. So far I have paid  XXXX  dollars plus and additional  XXXX  each month to submit my payment over the phone which abruptly stopped about 6 months ago. Just to make a payment I paid an additional  XXXX  dollars t o Santander consumer USA.      On top of all this, I has contacted the company about 3 months ago to pay off when I was told that an additional  XXXX  dollars has been added to my account. I was given a 10 days grace period and have been paying my bill on time for the pas t 5 1/2 year s until I was told that I was charged  XXXX  dollars for each day after the due day of   XXXX   XXXX   for all these years. I contacted them and they refused to do anything. Please help me,
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NM)

A version of this Complaint was filed on  XX/XX/XXXX  (  XXXX  ). After speaking with a CFPB representative I am refilling the complaint as instructed. The company against whom the complaint is filed  - Bayview Loan Servicing, pr eviously misrepresented to the CFPB that the matter was in litigation. While there is a foreclosure matter pending in litigation, the company against whom this complaint is filed is NOT a party to that litigation and thus it is required to respond to the CFPB complaint. The company has recently confirmed it is not a party to that litigation stating in part : Bayview is not a party to the foreclosure action. See Exhib it 1 hereto, p.3 at paragraph 2.   <P/> Bayview will likely make the false claim that its " counsel '' will review and respond, however the attorney that will likely respond is NOT representing  Bayview or  XXXX  ( th e previous loan servicer ) and is admittedly not  Bayview  's counsel.  <P/> The responding attorney has no actual knowledge of the actions regarding the previous loan servicer which ceased business operations in  XXXX . The attorney is simply paid to say whatever it needs to in order to conceal the fraud outlined in my complaint.. It has proven that in the Exhibit attached hereto as Exhibit  1 w herein matters therein directly contradict other claims the attorney has made.  <P/> Complaint and documentation attached.
Consumer complaint received 2017-06-07
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. (AZ)

I have a charged off account with  XXXX   XXXX  Bank.  XXXX   XXXX  Bank has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from  XXXX    XXXX   XXXX   attempting to collect on the debt as well as a letter from  XXXX    XXXX   XXXX   regarding my  XXXX   XXXX  bank account dated  XXXX   XXXX .   When I contact  XXXX   XXXX  Bank they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.
Consumer complaint received 2017-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a dispute over a laptop and Capital One did nothing to get it resolved once the company came back with an answer, which was all lies. When I went to get my rebuttal back to them, they wanted outrageous proof. They wanted another retailer to state what their policy was. All of the people that I contacted refused to assist me and told me that it is between me and the merchant I am arguing with. Capital One refused to process it and they did nothing for me, offered no alternatives. <P/>The merchant was XXXX XXXX XXXX and the amount was a total of XXXX. The people I spoke with from Capital One could barely speak English and were not helpful. One would tell you one thing, then the next one would be like no that 's wrong do this. The requirements are impossible to meet to win the chargeback and Capital One knows this.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I had auto insurance with   XXXX   XXXX   back in  XXXX  which I drop, because I called to see how much will it be for me to add full coverage to my   XXXX   XXXX   XXXX  . I was inform that my truck did n't have any coverage due to none payment in the sum of {$56.00},  XXXX   XXXX  thru  XXXX   XXXX ,  XXXX . I asked the rep how is this possible due to the fact, that my payments is automatic drifted out of my account and that was the reason my insurance was so low. The rep said she seen where I had auto drift, but something must have happen to the system, so in other words you had me driving illegal and adding to that I could have hurt someone and did n't have insurance.  XXXX  want me to pay something that suppose have been taking out of my account in the first place and put the debt on my credit report.  XXXX  said the only way that they would take it off my account if I prove I have insurance after I drop them. IT 'S NONE OF THEIR BUSSINESS, I HAVE OR DO N'T HAVE INSURANCE, IT DID N'T MATTER WHEN THE TOOK IT OFF WITHOUT TELL ME. I WANT THAT DEBT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

US B ANK IS REPORTING THE ACCOUNT #  XXXX  WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE.   ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTE D US BA NK SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF  XXXX  WHEN IT WAS REPORTING  XXXX  OF  XXXX  AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO  XXXX  CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING  US BANK  TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Consumer complaint received 2017-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may have  been purchased by  XXXX  ..or c hanged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (GA)

Beginning XXXX XXXX, I was contacted by a credit company, XXXX in XXXX, Georgia and they stated I owed money for a membership for myself and my son at a gym in XXXX, GA. I contacted the gym in XXXX 2016 and requested my month to month membership be cancelled as I was moving out of the area. I was told that I would have to pay for one more month as they had a 30 day cancellation policy. I agreed to that and my son used the gym one more time in the last month of the membership. I am now being told that 1 year and six months later, my membership is still active but in collections and they want me to pay money today or they will report this to the credit bureaus. They also contacted my son and told him that his credit would be ruined if he did not pay this membership today.