davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (NC)

The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security Card so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

We closed escrow on XXXX XXXX XXXX, the Wells Fargo Mortgage was paid off through escrow on XXXX XXXX XXXX. The homeowners insurance held by the California XXXX XXXX XXXX, due XXXX XXXX XXXX, was paid by Wells Fargo on XXXX XXXX XXXX for the following year while the home was in escrow with a fixed closing date of XXXX XXXX. Since we moved to another state, even with correcting the mailing address several times with Wells Fargo, it took 6 months to receive our escrow impounds check from them, which did not include an itemized list of the payout. We did not discover that we were insuring a house that we did not own until XXXX XXXX XXXX, when the insurance company sent us a notice of renewal for the coming year. Wells Fargo wrongfully paid a year of homeowners insurance from an escrow account on a home we no longer owned. If that 's not wrong, I 'm not sure what is. In the state of California it is illegal to insure something you do not own, Wells Fargo therefore made us illegal without our knowledge. After several calls to the insurance company, Wells Fargo and the escrow company we have been given the run around, with no foreseeable reimbursement for their negligence in site.
Consumer complaint received 2016-05-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (VA)

American Express cancelled our XXXX American Express credit card account, but did not disclose that we would lose the cash rebate we had earned. The week of XXXX/XXXX/16, my wife had called to cancel the American Express XXXX Credit Card. She was told by a customer service representative that we could apply our cash back rebate of about {$15.00} to our final bill or we could receive it as a check. My wife was not able to complete the transaction because she was not the name on the account. I called American Express on XXXX XXXX, 2016 to cancel the account. The representative cancelled the account before I asked about the cash back rebate. At that point in time she told me that the only way XXXX could get the cash back rebate was to enroll in the XXXX XXXX program for XXXX. The very reason we were cancelling the XXXX American Express is that we do n't want to enroll in the XXXX XXXX program and were told by American Express in order to not be automatically enrolled we had to cancel by XXXX XXXX. I spoke to a manager who confirmed this information. I told the manager that we had been told we could apply the cash back rebate to our bill and that American Express had not disclosed that we would lose the cash back rebate by cancelling the card. The manager informed me that American Express was opening an investigation and that I could call back and get information in 10 days.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I had filed a fraud claim with Wells Fargo back in XXXX. I had a charge on my account that I was n't aware of from a merchant. On XXXX the XXXX, XXXX the amount was put BACK into my account from the merchant. A week later on the XXXX of XXXX of XXXX Wells Fargo credits back the charge again to my account. So basically the amount was put in twice into my account but I did n't catch this and was n't made aware at all. Apparently Wells Fargo did n't catch that the merchant had refunded me already. Today, XXXX XXXX, XXXX, XXXX of those charges were reversed. I did n't receive a letter in the mail or a message on the wells fargo website or an email stating that my account was credited twice. The customer service also blamed it on me, saying that it was up to me to catch the double deposit that was made and that I had to call and tell them. I was n't made aware of this double credit and the amount was n't a lot to where it was completely obvious for me to catch. BUT the bank was supposed to catch that the merchant had refunded me already. It makes no sense for them to credit me the same amount the following week. So now I have money out of my checking account about three months later because they were at fault for crediting me extra back in XXXX without apparently knowing the merchant had already done so. I 've been a customer for years and spent 4 hours on the phone being thrown around from the exec office to the claims department. I want that money back in my account because this should 've been taken care of in XXXX of XXXX not nearly the XX/XX/XXXX.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

Trying to purchase a home, XXXX and XXXX creedit score in in the XXXX range. However, Equifax rating is in the XXXX range. I tried to reach Equifax and felt uncomfortable providing my Social Security over the phone. I reviewed the CFPB article on building and keeping good credit and I do not see anything in Equifax cedit report that would explain the low score. This is my basic complaint. Will you help please.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I would like to file complaint against Equifax , XXXX, XXXX on the improper information Serious Delinquency. The oldest account it may back to XX/XX/XXXX. From XX/XX/XXXX to Present, all accounts pay on time. How can it be Serious Delinquency? This is really unacceptable and unfair. This has to be fixed.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

This company is asking for a debt that I had no legal binding contract with them regarding. I entered into an agreement with XXXX and have no knowledge of who this company is or why they've been sold my debt. Please see below for steps I am willing to take to correct this action ASAP. 


I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes.3.A copy of the contract signed by both parties and therefore binding both parties.4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? 
I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; ORIt has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XX/XX/2021. In XXXX someone surrendered my XXXX license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and Equifax will not update my information. Even according to XXXX my information is e erywhere.
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (TN)

I have received calls from multiple debt collection agencies, most recently " Viking Services '', on behalf of " XXXX '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with XXXX with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (NY)

Receivables Performance Management ( RPM ) LLC is reporting a collections account on my credit reports for the amount of {$550.00}. The original creditor for this debt is XXXX 

In early XXXX 2016, I sent a debt validation letter to RPM. ( Please see attached ). I received a response from RPM dated XXXX XXXX, 2016 which states " Upon completion of our investigation, we do not have sufficient information at this time to make a determination of the dispute. '' ( Please see attached ) I strongly believe that RPM should delete this account from my credit reports. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, RPM has the statutory obligation to provide me with : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM has failed to provide any of the above information. 

As such, I respectfully request the Consumer Financial Protection Bureau to intervene and request RPM to either provide the legal documentation I requested when I sought validation of this debt or remove this account from my credit reports.
Consumer complaint received 2017-01-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AZ)

In XXXX XXXX we did a refinance loan on our home with Freedom Mtg during the process we received a refund check from them on our Escrow Acct on XXXX/XXXX/XXXX in the amount of {$810.00}. Then on XXXX/XXXX/XXXX we received another refund check for escrow for the same amount. Then on XXXX/XXXX/XXXX Freedom Mtg, put a " REFER TO MAKER '' on the first check dated XXXX/XXXX/XXXX which in turned cause me NSFees with my XXXX XXXX XXXX account. Then on XXXX/XXXX/XXXX I went and spoke to the local manager at XXXX and they called Freedom Mtg and spoke to XXXX and said that I needed to request refund back from them. 
Long story store and many voice memo 's later out of {$450.00} they sent me a check in the amount of {$220.00} on XXXX XXXX, XXXX almost 4 1/2 months later. 
I want the balance of what is owed to me plus pain and suffering from being told one thing after another. 
This is also caused us problems with the new mtg company XXXX XXXX because of not getting this handled in a timely manner and as caused our current loan to fall behind. 
All of this XXXX.
Consumer complaint received 2017-03-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

Someone use my Bank of America visa debit cards, checking account and money market rewards savings account to make fraudulent transactions. Under federal law and according to Visa policy, a consumer has zero liability for fraudulent and unauthorized charges/transactions. Someone stole and used my personal information and impersonated me to steal over {$30000.00} from my checking account. I have filed claims with Bank of America in regards to this matter. The following claim numbers are all fraudulent and unauthorized transactions : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX
Consumer complaint received 2016-09-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Bank XXXX XXXX gave us a XXXX. Loan to purchase XXXX trucks for our trucking co. The loan was paid after bank of XXXX was sold to XXXX XXXX then sold again to Wells Fargo. The loan is paid. XXXX separate lien releases were filed in XXXX. XXXX for the deed of trust, XXXX for the loan. The problem is somewhere in the repurchase of these banks the numbers got transposed? Or XXXX lien releases were filed on same property, but did n't release the deed of trust. We have XXXX working in this for over a year. First case opened in XXXX XXXX, then closed in XXXX XXXX will no resolution. ( XXXX buyers walked last year because of waiting on Wells Fargo to find the problem ) Now this year, we opened a new case in XXXX & it 's been 8 + weeks &! norhing is getting done. We have house sold & buyers are ready to walk again.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I had a XXXX scammer from XXXX ruin my account at the Chase Bank in XXXX, XXXX. I cashed the check but it was a counterfeit check and the bank closed the account and sent it to collections. I need to pay off everything I owe Chase Bank and have an account in the positive. I have written them letters and phone calls and BBB complaints and it is not resolved. I see money scam after money scam on TV and get mail fraud from XXXX XXXX in XXXX, XXXX XXXX. XXXX XXXX claiming " XXXX wants me to be rich '' and he says he gives away " miracle money '' and he does n't. The US Postal Inspector should do something about this and they do n't. According to the show American Greed on XXXX mail fraud is a felony. Why do n't they do anything about it? They are on XXXX XXXX XXXX XXXX, XXXX. They and my bank need to communicate to pay off my debt and to open a legit account in the positive.
Consumer complaint received 2016-04-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Trademark Management Solutions, LLC. (IN)

I took a loan out XXXX/XXXX/2015 with XXXX payday loans for XXXX. Had medical issues and just had a baby to where I was n't able to pay. I recieved a call and voice-mail today disclosing personal and unnecessary info. Called them and the woman, XXXX XXXX was very XXXX and threatening that XXXX needs to be paid today. Advised i do n't have it and can i make payments to pay it off because I 'll take ownership for what I owe. But they do n't want to help and want it paid in full. I 'm a XXXX so I hsve very little income. The finance charge that I later found out was extremely high and was not told that when i signed. I borrowed XXXX, so i was to pay back XXXX at the the end. I asked for the loan agreement but they just wanted to email and sign that I got it ... no i want it mailed and they said they ca n't which makes me suspicious
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NC)

Mercantile Adjustment Bureau ( XXXX ) has begun calling me " about a business matter '' but they refuse to give me any details until I give them all sorts of personal information like address, DOB and last XXXX of social. Seems like they should n't be allowed to ask for personal information - I 'm sure not going to give them any - and should n't be allowed to call if they 're not going to tell me what they 're calling about. 

These are the same scumbags that were calling me a couple of years ago about something. I asked them for documentation of what they said I owed and did n't hear a peep for a couple of years it seems like.
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express XXXX failed to issue a credit from the XXXX XXXX, CA for {$34.00}. American Express opened a Dispute and promised a resolution within 72 hours. It has been over one week and the credit has not been posted to my account even though I downloaded the XXXX statement with the credit adjustment.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio (TX)

To : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk State Bar ; About XXXX XXXX XXXX XXXX  months ago, I received a phone call asking me if I was XXXX XXXX. They hung up. Then a large collection account was added to my credit profile. I filed a dispute via all three major credit reporting agencies. I requested proof and evidence. The only proof and evidence that was provided to me was a computer-generated signature. A couple of weeks ago, I made another attempt of getting this removed from my credit reports by emailing this law firm and XXXX themselves and requested some holiday compassion to forgive this debt due to permanent XXXX I am a 100 % XXXX XXXX XXXX XXXX  Law firm Vance and Huffman llc has NOT responded. Today, XXXX did reply via email. They stated they could not help because the debt now belongs to XXXX XXXX XXXX. This is the first time I have heard XXXX XXXX XXXX. Vance and Huffman LLC has NEVER mentioned they are representing XXXX XXXX XXXX or any other collection agency. After speaking with XXXX on the phone, they informed me this is a XXXX ( XXXX ) year old debt that I DENY. On the credit report notes, Vance and Huffman llc states this is a XXXX ( XXXX ) month old debt. That is incorrect. Vance and Huffman llc has intentionally behaved unethical, irresponsible and committed FRAUD by intentionally providing false information to the credit reporting agencies regarding the amount and the original date of this alleged collection. FDCPA violations.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

bank of america is insisting i set up a recurring payment of {$1200.00} per week to be paid out of my credit union checking account. i have no conscious recollection of having set up a recurring payment of {$1200.00} per week. they are deducting {$1200.00} a week from my checking account.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sentry Recovery and Collections, Inc. (IL)

This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.
Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I went to school to become a XXXX. Once I graduated everything was great. I was working full time and paying everything on time. XX/XX/2011 I got into a bad car accident on my way to work that left my not about to work in my field. Now I would at a desk job not being able to make as much money as I would as an XXXX. As it was I was barely being able to maintain my $ XXXX monthly payments. Just XX/XX/XXXX they raised my bills to {$1400.00} a month. There is no way I can afford that seeing how I only make {$XXXX} every two weeks. I tried talking to them and I have been working with they attorney generals office. All they say is they wo n't lower my payment because my dad cosigned and between the both of use we have good credit and never missed a payment. So instead of helping us because of being good customers they would hurting us. Now my father and I are struggling to make the payments and I am about to default. They would rather see me ruin both my credit and my fathers then to lower my payment and get their money. 

I know I took out the loans and I have no problem paying them back. But life happens and they need to understand. If they just make it reasonable for me to do so I will be more then willing to continue to by my bill on time.