davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seterus, Inc. (CA)

I have been dealing with an identity theft problem for eight years. A loan and mortgage was acquired using by identity XX/XX/XXXX in XXXX XXXX. The owner of the loan is XXXX and the loan serviced by dept collector Seterus Inc . The loan is fraudulent and was acquired by the theft of my identity. I have provided XXXX and Seterus Inc, by registered mail, with all necessary documentation dealing with my identity theft and a stop and desist letter to stop all contact with me as provided by the FDCPA and FFDCPA. The harassing phone calls stopped, they stopped submitting information to the credit reporting agencies and removed my social security number from their records. Unfortunately they have continued to send correspondence dealing with this fraudulent loan to my address in XXXX XXXX in an attempt to pretend that I am the person who is responsible for this loan. XX/XX/XXXX, the property that this fraudulent loan secures, burned and was a total loss. The insurance company that held the hazard insurance paid out {$350000.00} and the payout placed in escrow by Seterus Inc. Seterus Inc has requested that I sign over the insurance payout proceeds so that they can be used to pay off part of the loan. I am not the person who bought this property and will not participate in a fraud by signing over the insurance proceeds that belong to the criminal that stole by identity. XX/XX/XXXX I received a XXXX and a XXXX IRS Forms that they sent to the IRS. The XXXX submitted indicates that I received interest income and the XXXX form indicates an amount paid in property taxes. I have never received any interest payment from Seterus Inc. or have I ever paid for any property taxes on this property. The filing of the XXXX and XXXX forms to the IRS using my name and address in XXXX is a cynical attempt intended to intimidate and harass. I will now have a problem with the IRS and have to spend time and effort to clarify the bogus XXXX, which will cost me money and may require me to pay Federal and State taxes on interest that is not mine and I never received.
Consumer complaint received 2016-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CO)

This debt was discharged, in court they are just harrassing me over it. They kept my money as a security deposit, for the balance. There attorney met me in court, and the issue was closed by the judge in XXXX, XXXX, CO. This should not be on my credit report. They are harrassing me, because I 'm a XXXX member, and XXXX. XXXX.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion had an error in their system, many inquiries were deleted and a week later it was re inserted, but a legal procedure was not followed. I spoke to customer service, they were very rude saying i was not affected by it. However, I was it was an error in their end. I did not receive any notification regarding this inquiries and that they will be added back to my report. Please help
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX of 2016 I purchased an XXXX computer at XXXX. By XXXX XXXX, the " new '' computer ceased to function. I took it to a computer shop & was advised to return it to the manufacturer. By XXXX XXXX, XXXX sent a XXXX return shipping label. The manufacturer 's paperwork states they revived it on XXXX/XXXX/16, " repllaced [ the ] motherboard '' & shipped it out on XXXX/XXXX/16. The " new '' ly repaired device did n't get to me until after the 2016 XXXX XXXX weekend. From the second week of XXXX 2016 until XXXX/XXXX/16 at least service tech calls were made to XXXX XXXX XXXX while trying to sign on to XXXX. On XXXX/XXXX/16 an XXXX XXXX XXXX Support Tech tpld me " the problem is your computer '' On XXXX, I requestd Capital One to chargeback this purchase after XXXX told me I had gone past their return deadline. On XXXX/XXXX/16 Capital One reapplied my purchase amount. On XXXX/XXXX/16, with no explanation as to why, they changed their mind. On XXXX/XXXX/16 I had to purchase another computer. Total Cost : {$1700.00}
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

On Saturday XXXX XXXX, 2016, I called the toll free number to Wells Fargo to activate my new debit card. Upon entering my new card number, the next automated response I received stated that my card is now activated and ready for use. I was a bit appalled that the automated system did not further authenticate my information, which raised a concern for my privacy/security. On that same date, I sent an email to Wells Fargo customer service stating my issue. My main concern was that since no additional account information was asked to verify my identity, that basically if my card were to be lost in the mail, anyone who retrieved it would have been able to activate the card and use it. On Monday, XXXX XXXX, 2016, I received a response back from their customer support. The representative explained the process and I felt good about it. However in the response, the representative provided to me a phone number that " was on my profile ''. To my shock, the number that was provided to me was NOT my phone number. Wells Fargo had provided to me another customers phone number. This has further raised my concern for my privacy/security. How do I know if that same representative provided MY information to another customer? This is a very concerning issue to me. The additional responses I had received from Wells Fargo customer support have not been satisfactory at all.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

The service was provided by XXXX XXXX, and paid in full at location. Now the account was sold or transfer to Gulf Coast Collection Bureau and reported to the credit bureau XXXX as an Open Collection for {$310.00}. Affecting negatively and unfairly my credit history and subsequently my credit score. I called XXXX XXXX at their billing department, and she confirmed the account was paid in full, therefore there is no reason for them to send my account to collection.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Someone opened XXXX fraudulent Capital One credit card accounts in my name. XXXX with Capital One Bank USA opened in and CAP ONE NA. They approved these fraudulent accounts. Once I noticed that this was n't my account I tried to dispute and they would not hear of it. They in fact filed a judgement against me for {$1600.00}. I told them that this was not my account and I refused to pay. After numerous attempts to have these items removed, they told me if I paid the judgement they would remove both items AND the judgement within 7 days. These items were preventing me from obtaining credit to assist my family. They took my money and lied to me. They never fully removed the judgment and did not remove these XXXX items. I feel violated and taken advantage of as an XXXX woman.
Consumer complaint received 2016-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (NM)

Someone illegally opened a account with XXXX and even though I reported illegal, they turned it over to Pinnacle LLC who for over 5 years refuse to remove from my credit Reports, also everytime I ask for validation of this account, they just renew it.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX turned my account over to this company for an error that was clearly XXXX when I tried to get them paid. They do n't know how to work their systems and now are attempting to collect a debt not owed to them. This collection agency did n't verify the validity of the debt prior to sending me a threatening notice to sue me and report to the credit bureaus if I did n't provide them with proof. I owe them nothing! XXXX should 've waited for a response to their last letter to me prior to turning my account over to collections. When I tried to get them to make sure the payment was made and to rectify the issues I was having with their systems and CS people, they did n't move this fast nor did they care. Now they think I owe them something I do n't so they 're aggressively trying to collect on a debt that is not owed by me to them. They had amply opportunity to take care of the debt when I asked them repeatedly to credit the rental policy refund to the auto policy balance due. They assured me it would take place yet sent me a check anyway. Because they screwed up I cashed the check because I refused to go through the hassled of turning that check around to them especially since I 'd repeatedly asked them to make sure I did n't get a refund! So if this collection agency wants to come after me I 'll happily sue them right along with XXXX! If they report anything on my credit I will sue both companies as well.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (SC)

Phoenix Financial Services LLC is currently reporting an account to my credit report in error claiming that I owe a balance of {$410.00}. I have spoken with someone who advised that I try to work this out with the creditor before pursuing a legal route. I have sent many letters to this company in regards to this mark on my credit. I have not received anything stating what this is for. I have no recollection of owing this balance for anything. I would like for this to be removed from my credit before obtaining a lawyer to pursue the legal route.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Corporation (SC)

I have XXXX accounts reporting to my credit report from Receivable Management Group. I do not know what these accounts are for! I have sent letters requesting validation but I have not received anything from this company who has this false error on my credit report. I want this removed IMMEDIATELY! This is violation of the FCRA and the FDCPA. I have received nothing from this company showing what this erroneous mark on my credit is about. There are XXXX accounts for {$690.00} and {$680.00}. Please take a look into this companies practices.
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX ( Bank of America ), as trustee, settled a trust in XX/XX/2016, that included real estate. It held back {$10000.00} in cash from the asset distribution as " Real Estate Reserve '', to cover additional expenses pertaining to the real estate, such as transfer fees, real estate taxes, etc. We agreed to that when approving the structure of the initial distribution. 

The real estate now has been fully distributed, so XXXX no longer has any related liability as trustee. It did incur additional real estate taxes, and transfer costs for deed, recording, etc. However, it has not distributed the remaining funds held back as reserve. 

I have made four inquiries to the office that managed the distribution, and the last two have been ignored. This appears to be a case of XXXX holding on to our money without any legitimate reason to do so.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XXXX/XXXX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XXXX of 2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to a collection company, because the case was resolved on my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion is reporting XXXX XXXX XXXX accounts the do not belong to me. I filed a police report and sent it to them as well as sent them a notarized affidavit along with Section 605 ( b ) which requires them to block all documented fraudulent items. They refused to remove those fraudulent items. I contacted XXXX XXXX they told me that they released those items and to see TransUnion about it. TransUnion continues to ignore my request.
Consumer complaint received 2016-12-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

The Doctor has not submitted the claim to the insurance company. The doctor 's billing department admitted that they never contacted me in writing, nor by phone, nor by email that their was a doctor 's bill pending. The doctor 's billing department has informed me that they erred in submitting the payment to collection and has requested the collection agency to removed from it from the Credit Bureau over 30 days ago. The Collection has failed to comply and removed this item from my credit report.
Consumer complaint received 2016-12-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

PRIOR TO SIGNING AGREEMENT REQUESTED A FAMILY MEMBER NEEDED TO SUMMIT AGREEMENT WITH RENT .APPROVED LOAN WITHOUT ADDRESSING OUR FAMILY INCOME FOR BENEFITS FROM DISTRICT OF COLUMBIA FOR XXXX AS WELL AS XXXX SPOUSE.NONCOMPLIANCE WITH ASSISTANCE ADDRESSING CONCERNS FOR GRANTS ELIGIBLE FOR.PURCHASED LOAN FROM XXXX WITH VERY HIGH ADJUSTABLE RATES.NONCOMPLIANCE ASSISTANCE FOR HOMEOWNERS ASSOCIATION FOR TAX CREDITS.XXXX WAS LAST EMPLOYER.SECTION CONCERING XXXX. NEGATIVE REPORTING REQUESTED COMPLETION WITH ANOTHER MODIFICATION ONLY TO TRANSFER TO ANOTHER LENDER. WHICH WAITING WAS TOLD NOT TO MAKE PAYMENTS ONLY TO CONTINUE WITH ADDITIONAL LATE FEES ETC.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you
Consumer complaint received 2016-12-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WASHINGTON FEDERAL BANK (ID)

This morning my husbands debit card was declined after working a 12 hr shift while finishing his 80 hr work week.. he came home very frustrated. He asked me to call the bank to figure out the issue.. so I did and left a message. This call center first of all is very hard to get ahold of even on days they are open!!! I left a message this morning and asked for a call back in regards to my accounts. Later that afternoon I got a call back saying they ca n't help me because my name is n't on the debit card and it does n't matter if it 's a joint account with both our names and I 'm the primary, I then asked to talk with the supervisor, which I was informed I will get a call back within 24 hrs.. I 'm frustrated at this point because all I want to know is if my husbands card will work for him later when he has to return to work at XXXX he 's sleeping.. finally I get a call back again and I speak with a named XXXX who was playing games with me.. I asked him if I wake my husband up what information does he need so I can tell him mind you my husband is snoring dead tired.. he says when I speak to him I 'll tell him.. okay ... so I 'm not stupid I say ca n't he just give you his social and name, address?? He tells me he 's gon na need his debit card?? So he wanted me to wake up my husband go get his debit card in the car outside., its freezing and I 'm in my robe..Long story short these people in the call center are rude they play games hang up on you and treat you like total XXXX!!!! They need training and to be replaced! I do n't have time to play games with someone at work where they are getting paid! All I wanted to know was why we could n't access our money.. it 's ridiculous!! I woke my husband up and he gave all the information they need he hands me the phone and I said a curse " word '' meaning finally.. the person said sorry ma'am you ca n't curse at me, when I did n't! And hung up on me!!! After I did everything they said!!! I 'm so frustrated that they could n't just tell me that they were having system issues and they are sorry about the inconvenience because in the end that was the problem.. system was down so my husbands card did n't work anywhere.
Consumer complaint received 2016-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

I applied for a refinance on an existing mortgage loan in XXXX thru Homeward Residential. After extensive paperwork, appraisal report, verbally told that loan was approved, lender stopped communicating with me. I call them up wondering what happened to signing of my loan document, I am told casually that my loan was rejected and a loan officer was supposed to call me. What happened to my rights as a consumer to be notified when rejected for a loan? I call XXXX of their executives to obtain an explanation, XXXX XXXX, I never get a courtesy response from him.
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2016 I was billed XXXX in error. I disputed the charge with Capital One. Capital One initially credit me back and said they would investigate. One XX/XX/2016 Capital One re-billed me the charge they initially credited. XX/XX/2016 I started receiving harassing calls to pay a for all the finance charges and late fees that they tacked on because of re-bill. I contacted Capital One and I was told that they did not investigate the dispute that was originally filed. I was told they would credit my account back for the late fees. finance charges, and accrued since the initial disputed that had been filed in XX/XX/XXXX. The there was a total of {$170.00} that was suppose to be credited back to my account because of their error and failure to dispute. In return, Capital One closed my credit card, falsely reported inaccurate information to XXXX, XXXX, XXXX in regards to my account being past due, charged off and delinquent. They violated my consumer rights under the FCRA. They also took my {$200.00} deposit that was used to secure the card since it was a secured credit card. They refuse to return it or either credit the deposit towards another card. They have failed to provide adequate resolution that has been detrimental to my credit and have defamed my person as to report false information to the credit bureaus. They have called and repeatedly threatened illegal legal action against me. I am wanting adequate response and resolution as this has been an issue since XX/XX/2016 that has not been resolved.
Consumer complaint received 2016-12-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (GA)

Company sent another inaccurate monthly statement along with an increase in the monthly payment with no explanation. Due date is inaccurate as well and is made to look like Im behind on the payments. In reading the submitted document from top to bottom none of the figures make any sense. Including the increase. 
please refer to case number XXXX
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, XXXX
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (NC)

On XXXX/XXXX/2016, I mailed a cashier 's check in the amount of {$520.00} to Continental Finance to payoff the balance of a credit card account. Also, on XXXX/XXXX/2016, within the same correspondence, I requested that the issuer close my account and send verification that the account has been closed. This has yet to occur. 

On XXXX/XXXX/2016, I sent another letter to the credit card issuer requesting closure of my account, and as of XXXX/XXXX/2016 the account is still open. I do not understand why this bank refuses to close my account.