davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I requested fro m Wells Fargo to obt ain the necessary documentation to be able to obtain a home valuation in order to terminate the need for private mortgage insurance. I received the documentation and provided the necessary information inclusive of the {$200.00} for a brokers price opinion. The initial professional assigned to perform the BPO was unresponsive to phone messages I left him. I subsequently received a call from a gentlemen who advised that he was subcontracted by the original professional to complete the home inspection for the BPO. He explained that his work-product would be submitted to the Bank by close of business that same  day. (   XXXX   XXXX ,   XXXX   )  On  Friday,  XXXX   XXXX ,   XXXX  , I called the Bank to follow up on the valuation results. They advised that the documents were still being uploaded and they should have a decision in a couple of days. On Saturday,  XXXX   XXXX ,   XXXX  , I once again I followed up with a call and I was told by the representative and her supervisor that there was no documentation on file supporting that a BPO had been performed.   The {$200.00} check submitted was negotiated, an inspection was performed, but at this time there is no evidence of an evaluation. I would like your assistance with this matter.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BB&T CORPORATION (TX)

I was trying to make a rent payment to my landlord in the amount of {$600.00}. The payment came out and went back twice. On  XXXX / XXXX /   2017  I made  one last call to them and spoke about what happened and was trying to get it corrected. I was told I would be fine to try again and that the two failed attempts would not post and would fall off. This was clearly a lie and one posted and caused me to go into the negatives. I called to get this fixed and was patronized and treated poorly. I have had to call back several times to get this fixed and still nothing. Now I 'm in the negatives all because of a lie that was told to me with absolutely no urgency to fix it.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (UT)

Convergent has put a collection on my credit report which is not mine. Also they never sent me a 30 day right to dispute, I just saw it on my report. The debt they put on my credit is for  XXXX , which is my ex husbands, who also passed away. We have been divorced f or 6+  years and the information they have on file is MY EX HUSBANDS BUT THEY HAVE MY SOCIAL. They wont speak to me or help me and THIS IS NOT MINE!!! They say it is his, but because my social is on there then I owe it.??
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (OR)

On   XXXX     I received a letter dated from  X/XX/17    from  XXXX  ATE & KIRLIN ASSOCIATES, INC.  saying that I owed {$130.00}.  XXXX  to a   XXXX   XXXX   We have no credit cards and all of our bills are paid each time we get them. I tried calling the contact number to this debt collector and got no answers, just a voice mail after being on hold. I will not leave any personal information as I have read they are a fraudulent company.
Consumer complaint received 2019-07-13
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: EQUIFAX, INC. (TN)

" Hard '' inquiry performed by XXXX - XXXX via Equifax on XX/XX/2018. No authorization of any type provided to XXXX - XXXX for any inquiry. 
At the time of the inquiry, established services with XXXX were moved from one city to another. I explicitly asked if a " hard '' inquiry would be made, and was told " no ''. 
Equifax dispute number XXXX.
Consumer complaint received 2022-09-17
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: CIBC BANCORP USA INC. ()

My credit reports were pulled without my consent in the name of pre approval check. As far as I know the below agencies/organisayion has pulled the report without making me aware of the same : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Due to multiple credit checks my credit score is down and i am facing issues with the loan approval.
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (IN)

In   XX/XX/XXXX  I  was involved in an auto accident and was taken to  XXXX   XXXX   XXXX  in  XXXX , IN for examination and   XXXX  .   XXXX   XXXX   XXXX    performed the   XXXX    services.     I provided the hospital with my insurance information, which they forwarded t o   XXXX   XXXX   XXXX  .   According to my insurer, I was left with an outstanding balance. I never received any written statement or notice from  XXXX   XXXX   XXXX   XXXX   during  XX/XX/XXXX . All other  medical bi lls were settled i n  XX/XX/XXXX ,   so I was under the impression that  XXXX   XXXX   XXXX   XXXX   had also been paid in full.     I n  XX/XX/XXXX ,  I was notified that a debt of  XXXX  had been turned over t o IMC Credit Services for collection. I disputed the charge, as I had no other notice of any   outstanding debt. IMC notified me a few weeks later that the debt was from  XXXX   XXXX   XXXX   XXXX  .     I made inquiry to  XXXX   XXXX   XXXX   XXXX   about this bill, and received the following reply via e-mail : " Thank you for the kind compliment regarding the services that were rendered to you by the hospital and the reading radiologist. Our practice strives to offer the highest quality care. The insurance information provided to the hospital was appropriately forwarded to  XXXX  by the hospital, and your insurance in fact processed the claim. The balance that remained was your out-of-pocket expense. The following day after receipt of your insurance   XXXX   XXXX   XXXX   (  XXXX  ), a statement generated to the address provided by the hospital. Regretfully, this statement returned in the mail due to no available mail receptacle. We engaged a third party to perform skip-tracing on the account, as we do for all accounts with an invalid address. Respectfully,  XXXX   XXXX   XXXX   XXXX   ''  XXXX   XXXX   XXXX   XXXX   had addressed the statement to my physical address ; I live in an area in which all residents have post office boxes, and the post office returned the mail as " undeliverable as addressed. '' Not  one other  attempt was made on the part of  XXXX   XXXX   XXXX   XXXX   or their skip tracer to contact me, either by e-mail or telephone, to establish my correct mailing address. I have lived in the same home for over 20 years and have established utility accounts in the area, so I 'm not that difficult to locate.     I paid the debt as requested, but would like to have the collections report to the credit bureaus rescinded.   XXXX   XXXX   XXXX   is largely responsible for the fact that the debt remained open for nearly a year, as they failed to make reasonable attempts to contact me. It 's difficult to pay a bill that is never received, and even a meager attempt to locate me or find my mailing address would have resolved this in a timely manner.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2021 an unknown person hacked my XXXX account and took {$220.00} from my balance. Within 5 minutes they also opened a XXXX  credit card in my name and charged {$1700.00} to it. I immediately submitted a dispute for each to XXXX At that point both were still pending and could have been stopped but they never replied or contacted me. After 11 days I hadn't heard from XXXX at all so I called them. Since then, they haven't contacted me regarding the investigation to ask for documents or anything. Yesterday I was notified they are denying my claim and I will have to repay the money. I have not been provided anything pertaining to what they even did to investigate. If they checked the IP address they'd see it wasn't done by me. They are not being helpful at all.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

This compan y ( Ditech ) to ok over my mortgage loan and t he 1st paym ent was due  XXXX / XXXX / XXXX . All monthly payments have been made when the statements were received. All was going w ell ( one statement per month )  until  XXXX   XXXX  when I began receiving more tha n one billing s tatement per month, sometimes as many a s three  per month, which were all paid when received. All billing statements came with identical paperwork, stating amount due, a return coupon stating " detach + return with payment '' and return envelope. I contacte d Ditech and they  advised they would fix the problem. I do not recall when I contacted them or to whom I spoke to, perhaps a year ago. I incorrectly assumed the issue was resolved. On  XXXX   XXXX ,  XXXX  I received a notice to send an additional amount to adjust an escrow deficiency or my payment would be increased. I did so, but I received another statem ent (   XXXX / XXXX / XXXX   ) no t reflecting this change. I contacted the company aga in (   XXXX / XXXX / XXXX   ) to m ention the multiple monthly statements and why the increase in payment amount. I also requested a written statement confirming the due date of my next payment. On  XXXX / XXXX / XXXX  I received another billing statement with only a slight increase in original payment, but not the " same '' amount as mentioned in the request to keep my original payment the same. Not once in the twenty-eight mortgage payments made, did I ever indicate I was sending additional funds to be applied to my mortgage loan principal or interest.
Consumer complaint received 2022-09-17
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: SYNCHRONY FINANCIAL (WI)

XXXX told me my account was closed by me. That is wrong, I did not close account. XXXX tells me when I call my account is active in good standing for XXXX years. This mistake cost me XXXX points on my credit report, which I have worked on for years to get to XXXX points. XXXX refuses to send info to credit agencies, I have called them numerous times. They tell me everything is fine. I hope you can help me. Thanks XXXX XXXX.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX  XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, and # XXXX XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U S.C 1681 Section 604 A Section 2 : it also state consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

M & T Bank ad ded {$2100.00} to the pay-off amount because they said the request for the pay-off was within 60 days.     The truth is there were several requests for pay-off over the 2 years my property was place into foreclosure b y M & T Bank. These requests were made to M & T Bank an d  XXXX   XXXX   XXXX    XXXX   ( the serv icer of my mortgage ). There were several discussions between  XXXX  and I about selling the property as a short sale and other options. These discussions included requesting and obtaining pay-off amounts.     It is mean spirited and advantageous f or M & T to c harge me {$2100.00} to issue a pay-off letter when for over 2 years the property was in foreclosure and  XXXX  was assisting in selling it.     Thank you,  XXXX   XXXX
Consumer complaint received 2022-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC (CA)

UNFAIR, DECEPTIVE OR ABUSIVE ACTS OR PRACTICES :  First  of all, I 've refinanced with First Direct Lending twice. I thought if I needed to refinance again, I would go elsewhere. I 've received several phone calls from various people with First Direct Lending and none with the " High Pressure Used Car Salesman '' attitude. Until I spoke with  XXXX   XXXX . This was by far, the worst experience I 've ever had,  XXXX   XXXX , Sales Manager, aka " High Pressure Used Car Salesman ''. The e-mail and voice mail message he left for me on  XXXX   XXXX ,   XXXX  , really made it sound like something was wrong with my current loan. It has been 7 months since the last closing and I thought whatever was wrong, why am I just now being notified. So, I called  XXXX  back, same evening,  XXXX   XXXX ,  XXXX  pst, to inquire further as to what was wrong with my loan and was informed of the following : " there is something wrong with the FHA  XXXX  No and FH A is refus ing to insure my current mortgage ''.  XXXX  was n't able to tell me what was wrong, but, according to  XXXX , " I could fix this by refinancing immediately ''. I informed  XXXX  that this was something I would need to think about and would get back to him. His comment was, " I need an answer now! '' Needless to say, I was the persisten t one a nd informed  XXXX  that I would phone back when I made my decision.     With the helpless feeling of what to do, I remembered that I was paying PMI on my mortgage. Where was those funds going? I called the servicer on my loan that same evening at  XXXX  pst and was assured there was nothing wrong with the   FHA Case No. and FHA was accepting the payments. Nothing had been rejected.
While having a conversation with an account officer   on  XXXX   XXXX ,  ( different institution ) it was suggested that I google the NMLS #. What I 'm seeing is he is active in 5 states out of 17. Not sure what 's going on with that.      A little bit about me : I work for a ba nk, Construction Lending. Wh ile I do n't have the extensive knowledge of putting a mortgage together, I do know when to question something that does n't make sense. CFPB needs to send  XXXX   XXXX  the strong message that telling customer 's lies falls under the " UNFAIR, DECEPTIVE, ABUSIVE ACTS OR PRACTICES ''. This causes harm! What if I had a medical condition? What would hearing this have done to me? A dditionally, we are just coming out of the housing crisis. We do n't need Account Officer 's ly ing to customer 's so the foreclosure crisis starts up again!
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (TN)

Lowes credit card services from the moment I got the card some very strange things have been happening on it. Ive received emails about inquiries into my credit report even though Ive only had the credit hard 7 months. Out of any of my card this one is always sending me random email and purchases I didnt make unlike the other ones. It now check my credit without contacting me and then sent me a letter via email that stated my credit card was changing even though I never authorized this. I was suspicious before this happened but now this confirms what I had been worried about. They accessed my credit report without my authorization. Im contacting the company as well to tell them I do not want to deal with them anymore and they have no right to continue to do this. Also the emails I receive have links that dont go anywhere. This happens with most of the emails they send but this one had an identity thief link that didnt work. The reason I know this isnt normal is no other company has done this. Another reason is the companies have to ask for authorization before they accesses my credit report lowes is the only one who never does and did.
Consumer complaint received 2020-09-09
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-01
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: EQUIFAX, INC. (VA)

Within the last 3 months I have filed several disputes with this company clearly stating that I would like a fair and real investigation to be done. This company refuses to comply with HIPAA repeatedly reporting a medical account that can not be verified, and also an account that is currently in violation of HIPAA due to releasing medical info without proper authorization. I also disputed another account with them several times ( XXXX XXXX ) that is not my account. This account is also unverified and was opened by someone when I was under 18. Even though I asked Equifax to verify the validity of this account, they still have not removed this account from my consumer file. I called XXXX myself, spoke to a supervisor and confirmed that they have no XXXX account in my name. Equifax refused to comply with the FCRA.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (VA)

I had a 1st and 2nd mortgage with US Bank and was shopping around to refinance. US Bank offered me a reasonable consolidation loan on approximately XXXX XX/XX/2019. I spoke with a loan officer named XXXX XXXX who recommended that I include the closing costs of the new loan, among other reasons so I would be paid out the total escrow in my former 1st mortgage. That's what the Closing Disclosure document reflected, and based on that document, I closed on the refinance on XXXX XX/XX/2019. Subsequently, I should have been paid approximately {$4700.00} from my former escrow at closing. Instead, today I received a check for {$550.00}. I called US Bank and emailed Ms. XXXX. Both responded that the other funds had been " used '' at closing. Ms. XXXX first sent me the Closing Disclosure of someone else -- that person 's name, address, and personal information was on it. Then she re-sent me the correct Closing Disclosure document as well as a payoff statement dated XXXX XX/XX/2019. I was never shown that payoff statement prior to closing, and it does not reflect what I heard Ms. XXXX tell me. 

US Bank has been unprofessional and has engaged in a bait-and-switch as far as I can tell. It appears to be some type of fraud.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

XXXX   XXXX ,  XXXX   XXXX , SOuth Dakota  XXXX  XXXX  XXXX   XXXX  :  XXXX   Citi VP   XXXX   XXXX  unethically CLOSED my credit  XXXX  card account when I explicitly advise d Citi to  close a different card  XXXX .      Cit VP   XXXX  has threatened to deny  me two merch ant credits towards annual fee payment. I was TOLD vi a Citi Chat I had 3 7 days after  XXXX   XXXX ,   XXXX  , to cancel with NO penalties.  XXXX   XXXX  denies and is a habitual lair on all topics.     I have a been told  by FOUR c hat focal the same comment and will attach another chat session b y CIti employee   XXXX .  XXXX   XXXX  LIED to me about listening to chat when CHAT is text.  XXXX   XXXX  is INCOMPETENT not knowing CITI.com web site problems repeatedly asking me what web is this?     Since the  XXXX  account was UNPROFESSIONALLY and ILLEGALLY closed I am about forced to use my Ultimate Reward points immediately and not via planned time frame for best deal, closure of account  XXXX . NEVER did I authorize closure of  XXXX  ... only inquired about 37 day option which I will show in chat  XXXX   XXXX  is SO DESPICABLE an employee she has BLOCKED me from CHAT but I have captured a chat session to prove  XXXX   XXXX  is a LIAR and I deserve until  XXXX   XXXX ,   XXXX  , to make a decision on account  XXXX .      XXXX   XXXX  is unethical, dishonest and unprofessional and  XXXX  costs be LOSSES of Airport Admiral Loung, Reward points 60 day window , Emergency road  service, fourth-night hotel payment, GOLF fees.      XXXX   XXXX  is a disgusting employee with NO PROFESSIONALISM.      XXXX   XXXX  closing BOTH accounts  XXXX  and  XXXX  ( NOT requested ) and caused me significant financial damage.