davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a Sony Card issued by Capital One. My credit line is {$6300.00}. I have had a zero balance since XX/XX/2016. I received balance transfer check offer in the mail. I wrote and mailed a check to XXXX XXXX to pay {$1800.00} on my balance. I noted on line that XXXX received the check and credited the payment. A few days later, the payment was noted as reversed. I called Capital One on XX/XX/XXXX and their rep. said that they were having a problem with the checks. he offered to process the balance transfer manually. I agreed and gave him all of the information. As of this morning all that has happened is that my available balance on the card has been reduced by {$1800.00} but no there is no evidence that the transfer has been sent. There has been no credit posted at XXXX XXXX.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (NV)

On XXXX XXXX at XXXX I received an alert on my cell phone that a large purchase had been made on my debit card. I immediately contact my bank as this was an unauthorized transaction. They needed to transfer me to the debit card fraud department, I was disconnected during the transfer. I immediately called back and had to wait XXXX minutes on hold, during that time another unauthorized purchase was made on my account which I believe would not have happened. When I finally spoke with the representative, they were rude and disrespectful - accusing me of trying to commit fraud. They explained the process ( incorrectly ) and then they did nothing to begin this process. As it was a pin number transaction ( I have the card in my possession ), they told me it would be longer to get the money back. After waiting several days for them to send me the paperwork which required me to respond in a short time frame, I immediately sent the paperwork back along with the police report that I had filed. The documents I signed state one practice, the representative on the phone states another. There is inconsistency to when they will give me back the provisional funds. Now my automatic payments out of the account are not going through, even though I made sure there was money in this account. I ca n't seem to get anyone to give me the same answer twice. It seems as if they are intentionally holding the money even though it is clear that there was fraud on my account. There were false comments put on my account, such as I was traveling which was untrue. They told me to go to a bank to get the documents faster but when I got to the branch they could not help me. It seems as if they are intentionally giving me a run around. On top of that, I am not convinced that a bank representative could not be working with the criminals. I received an email the day after my claim was sent that said I should be using the new card that I received. I had not received a new card since XX/XX/XXXX nor does the bank claim that a new card went out. It makes me wonder exactly how they were able to obtain a duplicate card and pin.
Consumer complaint received 2017-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been going back and forth with Bank Of America trying to get a modification on my loan they purchased from another bank. 
I am not going to provide too much of my personal information due to he fact that I am uncertain of the security of this site. I have been telling Bank of America that my interest rate is 8 % which is way too high. I have had my mortgage for about 10 years and only {$300.00} is going to the principle of the mortgage to pay it off. I paid over {$25000.00} in interest alone to BanK of America. If this bank received bailout money from the government why is it so hard for them to work with homeowners. I have been receiving letters from them asking me to just have a shot sale and move. I have never been late on my mortgage in all the nine years I have had this house. It 's only recent that I have been have trouble with paying the mortgage and I would n't be asking for help if I did n't need it. It really is starting to cause health issues when dealing with these representatives who work for Bank of America. They sound like robots as if they are reading from a script and they are repeating themselves. Example : I made a late payment, but was still trying to get approved for the modification. The representative made a statement to me, " Well, XXXX I see that your mortgage is current so there is no need to continue the process for the mortgage loan modification ''. I was puzzled and really got upset because she is suppose to be my relationship manager XXXX. She do n't really understand nor can she speak english. It 's almost like she is really not helpful with the fact that we have a language misunderstanding. She does n't work in my best interest. I have done through this for over a year and half and recent got denied yet again. I need help and hope that their is something that can be done to lower my interest rate and mortgage payment. I barely can afford to feed my family because of the fact that we are struggling.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Round point mortgage is not giving us our insurance settlement check from our home flooding. We can not fix our home without this money, our home is sitting vacant and unlivable, with no work being done. We are current on our mortgage, always have been, and now are paying for months of rent in a XXXX bedroom apartment. We have XXXX children that want to go HOME! We have called repeatedly and are not getting anything from them, but the run around.
Consumer complaint received 2017-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Kentucky Housing Corporation (KY)

My family has a mortgage and down payments assistance loan with Kentucky Housing Corporation. We 've always made our monthly payments via their online web portal. The web portal payment system was not functioning during the last several days of XXXX XXXX. I made XXXX payments via a toll free number before the end of the month and was still accessed XXXX thirty day late entries on my credit report. I 've had a mortgage since XXXX XXXX with no previous 30 day late payments.
Consumer complaint received 2016-11-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (IL)

Unauthorized fraudulently used my Target account and exceeded my credit limit. I sent in documents Target requested police report, affidavit, charges I was disputing, and copy of my ID. This claim was filed last year and never resolved. I fax all my documents on XXXX XXXX and yesterday a customer service rep in the fraud department stated they never received them. I have the copy of the verification form showing the fax went through. I 've called Target over one hundred times to resolve this matter, but have been unsuccessful due to them not returning my calls and giving me uninformed information including hanging up on me several times. The person who is working my claim supposedly is name Sue but I have called her over 100 times left messages but she will not call me back. I have the documents showing I fax them on XXXX XXXX and will be sending them again on Monday XXXX XXXX.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (NY)

My identity was stolen and someone opened up a XXXX account in my name in Alabama. I reside in New York and have no nexus to the state of Alabama. They ran the bill up to {$3000.00}, I learned XXXX assigned the case to Amsher Collection Services ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, AL XXXX. Amsher is represented by XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX # XXXX, XXXX, AL XXXX ( XXXX ) XXXX. Neither Amsher nor XXXX XXXX will provide a bill or statement of amount due. They hang up on me when I ask for any kind of statement. They never provided any verification of debt. Without any kind of statement I am unable to file a police report, and if I am unable to file a police report I am informed by the credit agencies I can not successfully have the debt removed from my credit.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Mount Olympus Mortgage Company (MN)

I received a solicitation in the mail that appeared to be from the mortgage company I originally got my loan from. I called the number, and they played right along that they were the same company I previously use. Later on I realized they were not the same company, They used a trusted company name I knew to try to fool me into doing business with them. This is straight up bait-n-switch advertising that has no place in commerce.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Information Services, Inc (UT)

On XXXX XXXX, 2017 I applied for a XXXX XXXX position with XXXX XXXX XXXX XXXX XXXX in XXXX, Utah and told the HR Manager that I did have XXXX XXXX from 9 years ago. On XXXX XXXX, 2017 I received my background report from GSI ( General Information Services ) and on the report they had listed my charge as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on page 3 ) which is the correct charge but on page 2 under grading results they had grouped it with XXXX XXXX. I immediately filled out the dispute form stating that no where in my record was there anything close to XXXX. On XXXX XXXX, 2017 I spoke with XXXX XXXX about the dispute and she told me that there was nothing GSI could do about the grading results, she said that XXXX groups like charges together. I told her that the charges were n't even in the same category and that I wanted it removed immediately, to me this is defamation of character. She basically told me that it did n't matter that I and XXXX 's were the only ones that would see this, I still told her that this was unacceptable and that it was sent on GSI 's company letterhead and so therefore I would hold GSI responsible. On XXXX XXXX, 2017 I received another letter from GSI stating that they had not changed anything on my report. I can understand not getting the job due to the charge but I refuse to have my charge grouped in with anything like XXXX. I feel that if they did this to me they are doing this to others and it 's not right. I have contacted several agencies and they agreed that I needed to file a complaint. I sent all of my court papers to GSI in my dispute letter and feel that they are responsible of a gross injustice by grouping the charges where they are so different. I believe that they should be held legally responsible for defamation of character and they need to be investigated for false reporting and should n't be allowed to group such different charges together. I take ownership of my past but refuse to have anyone accuse me of something such as XXXX XXXX
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (IN)

I have been going over my credit report, and have noticed that Equifax has been posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : -- XXXX XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX - XXXX XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX XXXX was given my report twice in one day ( in XXXX ) and again ( in XX/XX/XXXX ) was given my report three times within 5 days. XXXX XXXX vehemently denies requesting it this many times. The only financing I sought out ( and received ) was a direct result of the inquiries I DID authorize above. I believe there is a huge mistake. Equifax needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
Moreover, Equifax 's notorious " canned '' response of " Inquiries are a factual record of file access '' does not apply when they 're giving it out freely to other people. FCRA says their must be a permissible purpose - you can not give copies out just because someone asks Equifax and most DEFINITELY can not give out copies without my permission. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 5 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney, as will any ensuing responses from Equifax that detriment what I am requesting.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

Hello -- My mortgage was bought by US Bank who have, until recently, a policy of collecting the mortgage due for a month up to 5 calendar days from the beginning of the month for which the payment is to be made ( my account details with US Bank can be made available to relevant CFPB personnel on request ). They recently changed their policy stating that even if the payment is made within the first 5 calendar days of the month for which the payment is due, they will collect an " online payment fee '' of {$5.00} if it 's made after the XXXX calendar day of the month. I paid my XXXX 2016 payment by XXXX XXXX and they charged me this {$5.00} online payment fee. 

This was a major change, as most customers have been : 1 ) accustomed to paying within the first XXXX calendar days without incurring any fees, 2 ) was not adequately communicated to us and 3 ) when I called their customer care number they were unwilling to consider any of my points and just insisted that they had informed me by putting this somewhere on their website. I would submit that such major changes should be : 1 ) adequately communicated, specifically with emails or prominent alerts as soon as XXXX logs into one 's online mortgage account and 2 ) banks should be willing to return the amount if this has not been adequately communicated. I concede the amount is small, but after the whole mortgage servicing mess, XXXX, the banks seem to have still not learnt any lessons, and keep on nickling and diming their customers out of all sorts of fees for very little-to-no work. 

I would request the CFPB to look into the possibility of the bank refunding me this amount, on principle. and ask them, in the future, to announce such major changes prominently on their website or through their communications with their clients. 

Many thanks, XXXX.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Cash advance fee — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo Visa card and checking account - demanded over numerous years that all overdraft protection be removed and was assured it was not. each time I overdrafted it, it took from my credit card, allowing me to continue using my debit with no clue I had a XXXX balance. what should have been a one time fee and my card decline on the next purchase turned into multiple " lower fees meant to save me money and help me continue shopping ''. these added up to far more than the one time fee. sure enough, happened again. only this time, the overdraft fee turned into a fee hitting me from the checking account AND credit card side multiple times, then hitting me with cash advance fees. A soda , drive thru and gum purchased totalled all of XXXX bucks, which has now cost me XXXX and climbing as the cash advance fees rack up. apparently, they stick the cash advance debt behind your running balance, preventing you from ever freeing yourself. three separate times now I have called and been assured it was removed.
Consumer complaint received 2017-08-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I have contacted Equifax in regards to XXXX of the inquiries that show up on my credit report. They stated that they had investigated the matter and confirmed that they are valid and to contact the company myself. I have used the address that was provided by the credit bureau of which they used to verify. However when I tried to write the company to verify the document. I received a XXXX. Therefore, it brings up a red flag on whether the Credit Bureau ( Equifax ) has actually investigated the matter.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

XX/XX/2016 Equifax apparently has some incorrect information about my identity in their files. They refuse to supply me with my free credit report, so I can not even begin to look for problems myself. They have failed to make a good faith effort to correct their error. 
I first encountered the problem when trying to create a My Social Security acct. online. I was blocked when the system could not identify me. Social Security told me that XXXX of the credit reporting companies was used to identify me and may contain incorrect information about me, and recommended that I get my credit reports. When I tried to do that, Equifax blocked my request saying that they were not able to " match your records ''. I have spent hours on the phone and online trying to get Equifax to fix whatever the problem is. They first told me to file a dispute online, but when I tried to do so their system blocked me again. On the phone they tried to tell me that the problem was my middle initial. They filed a dispute and I have received a letter XXXX Equifax conf. # XXXX XXXX saying that they have fixed my name by adding my middle initial. Not surprisingly, this did not fix the problem. Back on the phone, they gave me the run around, telling me that my information was correct, did I want to file a dispute again, etc. They refused to transfer me to anyone who could help ( the Customer Representative is a phone bank in the XXXX and they do not have adequate access to my records. It is abundantly evident that their job is to make me go away. 
In the past I have had my identity stolen twice, my address changed online without my knowledge, my credit card used fraudulently, etc., so this is a very urgent problem. Amazingly, this is causing Social Security to block me. I am nearing the age when I will file for XXXX and Social Security benefits, so this is no trivial matter. 
Please help. My request to you is : 1 ) XXXX Equifax to fix this problem 2 ) XXXX Equifax to provide me with a full and complete explanation of the error, the origin of the error, and what they have done to fix it. 
3 ) Force Equifax to completely investigate my credit information and determine what damage to my credit has been done. 
4 ) Force Equifax to contact Social Security XXXX to correct all errors regarding my identity and place an explanation of this event in my Social Security file. 
5 ) Force Equifax to give me the required free credit report. 
6 ) Force Equifax to extend the XXXX alert on my credit files ( I currently have another year or XXXX on a XXXX alert caused by the events noted above. ) Thank you sincerely, XXXX ( aka. XXXX to Equifax XXXX
Consumer complaint received 2017-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC (IA)

I got a call awhile back from this company stating they would file a law suit against me if I did n't pay. When I started to question them the lady became irritated and said forget it we will see you in court and hung up on me. This was several months ago ... .Now today they have calld my father, how they got his number, but left him a voicemail stating that they made several attempts to contact me and if i did n't comply they would take action. So, I called them and tried to get more information. The lady stated it was the attorney calling me trying to settle a debt and if i ca n't they will file a lawsuit. I asked the lady who the original debt was and said services credit union and it was for a credit card that I had with a XXXX dollar limit that I opened in XXXX of XXXX. I told her that I had never had this type of card that I have only ever had a XXXX XXXX and I am in regular contact with them. Then she asked if I ever went to college and I told her yes, she said Oh, I bet that was the card and asked me if I had a credit card in college and I told her no. She said yes ya did. I told her that I went to college in XX/XX/XXXXso even if I did this would not be because of this. She said you did have this card and you even made a payment of XXXX. I told her that I do n't work and was n't working full time back when she says this was opened and there was no way I would have ever been in a position to make that large of a payment with XXXX kids and my other bills. I asked them to not call my father again and she got mad and told me they would go to court and then I would be thrown in jail then she hung up on me. I had a friend call back to see if we could get the website and they refused to give that information and hung up on him.