davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (MD)

This is a complaint because of the very unprofessional manner in which I was treated over a debt that I do not owe. I am a XXXX year old, XXXX female veteran. I received a letter dated XXXX XXXX, 2017 on  XXXX XXXX, 2017 claiming I owed {$1900.00} for an unpaid debt ( Attachment 1 ). I called the company and was informed they could not find my case and transferred me to the supervisor. When I spoke to the supervisor he became belligerent and downright nasty. He made it very clear to me that he did not care what the problem was or my health but that I owed the money and could afford to pay. In the middle of the conversation he told me everything I said was recorded. I was asked if I had checked my credit recently. The supervisor went through my credit and told me I had the money and could pay. There was enough on my my credit cards that I could easily afford to pay off the debt. He offered me 7 months to pay {$1900.00} and then he reduced it to {$1500.00}. When I did not agree he returned it to {$1900.00}. I told him I owed IRS and he said he did not care. He did not care if I lived or died because I could pay the bill. I told him that I had sent papers to the second company canceling the debt. He said I had to send in a letter 30-60 days before time was up and it had to be sent in by certified mail to get a response. This is not true nor is it in the original contract which states I can do business by phone and does not mention certified mail. I told him I had talked with the second company and he said it did not matter. I explained my original contract was for 39 months not 60 months and he still did not care because the account automatically renewed itself with no notification to me. He belittled harassed and dogged me over my credit. I felt intimidate and bullied. The company he represents took over the contract from another contractor and never notified me of the takeover or offered me a new contact with better service. I only knew of a different address when I made a payment and I wondered why they had not received my payment ( Attached 2 ). I continuously complained about the service I received and had not used it for over 2 years. The present company and I did business by phone which is allowed in the original and contract I have. I asked to cancel the contract which the present company finally acknowledged by phone by calling me to resend them a copy of the original letter because they lost it, which I did ( Attachments 3 & 4 ). Names are on the fax with whom I spoke. The present supervisor refused to accept or believe what I told him. I deserve to be treated with respect. I do not owe the bill because the present company corresponded with me by phone. They called and asked me to send in the 2nd letter to cancel my contract after the date. They informed me my debt was cancelled by phone. No one told me I had to pay an outstanding amount.
Consumer complaint received 2017-07-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My credit score went down more then XXXX points. I called XXXX  and spoke to XXXX and she said nothing changed, does n't know why it went down and to call the credit card company because they do n't generate the scores. ( as if I do n't know anything ). So I asked to speak with a supervisor, I spoke to XXXX XXXX and all he was saying is how it all works but could not talk about me specifically as to why my score went down, just that nothing changed and they do n't generate my score, a computer does. After that I asked to speak to his boss or someone that can help me and then he hung the phone up on me. So I tried to call Experian to see why my score went down and they too could not tell me why my score went down. Just to say I have nothing bad on my report and I always pay on time, even before things are due. So why did my credit score go down. No one wants to help me. This also happened to me about a year ago, XXXX XXXX put the wrong information in and I ended up paying allot more interest then I was supposed to.. I called XXXX XXXX and they corrected it but XXXX XXXX would n't look at my score again so I 'm paying XXXX more in the corse of 30 yrs.. I 've done everything I can to have a excellent Score and I feel like I 'm being taken advantage of from these people.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Hello My Name is XXXX XXXX. I have read under the new law effective XXXX XXXX, 2017 any public records data must include name, address social security number and date of birth in order for it to appear in your credit file. The credit bureaus had not updated the information and per new law true bankruptcies listed does not include this information and should be deleted from my credit report. I 'm not sure whats going on but please help. Thank you, XXXX XXXX
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (WA)

The complete request for short sale packet was submitted to Ocwen on XXXX XXXX XXXX. On XXXX XXXX I received my first payoff which I confirmed that the loan with Ocwen would be paid in full from sale proceeds. At THAT time on XXXX XXXX when I called and spoke to the short sale department to let them know that we would only be doing a short sale on the second because this loan ( loan with ocwen ) would be paid off in full that the foreclosure date was suspended. And I was told to just be sure to send in the 2nd lien approval as soon as it is received. I received the second lien approval on XXXX XXXX and called and spoke to someone in customer service to again confirm full payoff status and the closing date of XXXX XXXX ( I do not have the name because the call was outsourced to someone in XXXX XXXX and the names and spelling are difficult to register. I was told to email the letter and the hud that matched and also confirm the suspension was still in place. I had no reason to think we were in danger as I hadnt received any calls or correspondence from Ocwen that would raise suspicion of the foreclosure suspension being lifted. On XXXX XXXX when I called in for an updated payoff for our closing date the following week you can imagine my shock and the sickness I felt when I was told the property was sold to a third party on XXXX XXXX.
Consumer complaint received 2017-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (MA)

Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease.
Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so.
It 's either negligence or incompetence. Either case is not good for the consumer.
If this is n't resolved I 'm going to sue Ally.
Consumer complaint received 2017-08-17
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: Experian Information Solutions Inc. (IN)

In the beginning of XXXX XXXX, I had gotten denied for an apartment where I was required to pay XXXX $ for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX $ loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.
Consumer complaint received 2017-08-17
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: CORELOGIC INC (GA)

I have notified XXXX XXXX and XXXX XXXX ( Core Logic ) via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX ( Core Logic ) or XXXX XXXX.
Consumer complaint received 2017-07-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am disputing a transaction on my Bank of America card. I initiated the dispute on XX/XX/XXXX. I have received no correspondence until yesterday XX/XX/XXXX. The letter I received stated I needed to reply by XX/XX/XXXX ( the day before ). The letter also included a rebuttal from the merchant which had absolutely nothing to do with the claim. I called BOA on XX/XX/XXXX ; the day I received the letter and spoke to XXXX. XXXX instructed me to ignore the letter as the claim was resolved in my favor. I questioned him several times regarding this as it made no sense that they would send a letter on a closed claim. He assured me the claim was in fact closed and I needed to do nothing further. At XXXX AM the following day XXXX, I received an email from BOA stating my claim was forfeited as I did not respond by the deadline. I called BOA and spoke to XXXX. He informed me that XXXX was mistaken and indeed I had missed the deadline to respond. He also informed me that the merchant had 45 days to respond, BOA had 30 days and because they were doing research that only gave me a week to respond. He did allow me to respond today and still make the deadline. Apparently the merchants and Banks have more rights than the consumer that was defrauded. Not only can a merchant send in any response regardless of merit but the bank can sit on it and do nothing to wind out the clock. They can then give you no time to respond and blame you for missing a deadline that has passed.
Consumer complaint received 2017-08-17
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 (TN)

there are 2 disputes on my credit card and both items and orders where canceled on one dispute the XXXX was rightly charged the merchant refunded my money, but captial one has kept that XXXX  on my account refusing to remove it and charging me interest.
on the second one i was charged XXXX rightfully. the item was defective, and i work endlessly to get the merchant to send me a return label and they never would so i filed my dispute. so the XXXX was on my account then capital one took it off XXXX. they sided with the merchant even though i could not get the merchant to corporate with me about returning the item so it sets by my door for 2 or 3 weeks, and capital one places the XXXX back on my account. and even though i used there upload link to upload the information they requested. other than a reason why the merchant would not return my funds from another merchant. other merchant is not gon na get involved in my problem. anyway a few days later the merchant sends me a return label through XXXX and XXXX picks the item up, next i upload everything to capital one and they are sending me letters that i still own all of this money even though orders were canceled or either returned once the merchant sent me the return label.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

XX/XX/XXXX -- - captured screen shot applied amex spg credit card for XXXX bonus points offer and instant approved ( earn XXXX bonus starpoints after use my new card to make {$3000.00} in purchases within 3 months and an extra XXXX bonus starpoints after make an additional {$2000.00} in purchases within the first 6 months ) XX/XX/XXXX -- - captures screen shot confirmed my XXXX bonus points offer XX/XX/XXXX I already paid over {$5000.00} but i did n't get any points.
so i contact chat and call many times.
- XXXX : chat ( XX/XX/XXXX ) tells " points will post to my account '' - XXXX : chat ( XX/XX/XXXX ) investigation case number XXXX - XXXX ( ID XXXX ) : call ( XX/XX/XXXX ) tells " do n't worry, points will post to my account on XX/XX/XXXX '' now i really can not understand this issue.
because, spg XXXX reward bonus point offer goes all year round.
so i have to receive at least XXXXpoints!
but i did n't get any points. ( XXXX point )
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (AL)

XX/XX/XXXX late payment home Depot account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with Home Depot. You see my husband is a XXXX XXXX XXXX XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a Home Depot account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

This is an addition/amendment to my original compliant # XXXX, submitted XXXX/XXXX/17, which highlighted BBVA Compass refusal to provide me a refund of my escrow money due to me from a XXXX XXXX, 2017 house loan closing.
The original check was been returned to them, with receipt of delivery showing XXXX/XXXX/2017. BBVA claims to have sent the check to my correct address, although the US Post Office disputes this claim.
Regardless, in pursuit to just have my money returned to me, I sent an affidavit into BBVA on XXXX/XXXX/2017 at XXXX XXXX, as the customer service representative claimed would expedite my refund due to an escalation case number XXXX. She stated that my issue would be expedited and a new check would be sent to me within 10 days.
On XXXX/XXXX/2017, ten days after the email was sent to BBVA compass and in excess of their own stated actioning timeline, I called BBVA customer service to get the status of my money owed to me. The customer service rep said no action has been taken and the " back office '' is holding up any action. My only logical conclusion is that BBVA is attempting to now penalize me for filing a compliant by refusing to return my money.
Consumer complaint received 2017-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Purchased car XXXX XXXX, 2017. Received first statement dated XXXX XXXX from Bank of America and made payment in full. Received second statement dated XXXX XXXX with a payment due date of XXX. XXXX. The latest statement shows an amount due and shows a {$0.00} past due amount. I have received several calls a day for the past two weeks advising me the loan is delinquent. I requested a supervisor who told me the issue is that the loan was incorrectly processed and needed to be back dated. I requested a statement with the correct balance and asked that the online web site also reflect a past due if this is the case. Nothing from BOA. Received another call telling me loan is past due and will go to collections. I have requested BOA send me a correct statement and stop requesting money without putting it to paper. I also asked they stop calling me morning, afternoon, and evening. The only thing they have used to support the loan being past due is by phone. Nothing in writing or on a statement. I have attached my current statement showing {$0.00} past due. This loan was backdated and they are attempting to cover something their mistakes. I believe this is the reason they refuse to bill me on paper and only verbally request payment.
Consumer complaint received 2017-07-27
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: ORG GC GP BUYER, LLC (TX)

XXXX 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and GC Services. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to XXXX 's. I 've sent XXXX 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called GC Services. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. XXXX 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the XXXX reporting Agencies and GC Services. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

Received credit reporting alerts and XXXX is displaying a 30 days late, deliquent, Missed payments account on my Prestige Financial Services vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against Prestige. I am XXXX XXXX and Retired.
Consumer complaint received 2017-08-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/XXXX complaint number XXXX with the Consumer Financial Protection Bureau, was responded by transunion. Problem was not resolved. Original claim was disputed in writing to transunion headquarters and still not resolved. These inquiries are by XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. These inquiries are unauthorized and fraudulent, I asked they be investigated and removed.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MI)

Best Buy Citibank I went to BestBuy to buy an XXXX XXXX. I have XXXX credit score and only qualified for a gold card which is a sub-level card for credit deficient account holders, upon applying for the Department card I was told since my credit history is so poor that I only qualify for the gold card which means I have to pay for monthly financing and a {$59.00} annual membership fee instead of getting 0 % for the first 12 months. This was a deal-breaker I went home to call Citibank to find out why and was told that only because of my name and address was I denied the top-tier level because if it was only for my credit then i would qualify for the highest level. Citibank laughed at my frustration. The supervisor/manager literally laughed at me.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!