davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was in the middle of trying to refinance my home when I saw a bankruptcy was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Fairway Independent Mortgage Corporation (AZ)

After submitting all necessary documentation required for my loan application Fairway Mortgage did NOT notice that one of the items on my credit report was showing " in disputed ''. The week prior to close they had me sign a paper advising the credit bureau that the item was no longer in dispute. In so doing it changed the last activity date on the disputed collection to XX/XX/XXXX disqualifying me for the loan on the last and final day of closing. Had they done their due diligence and noticed it during the initial application process the pain, anguish and expense would have been avoided. Due to their error not only did we NOT move into our home the next day but we lost, what to us, was a substantial amount of money. 
This could have been completely avoided had Fairway Mortgage done their job appropriately.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

The bank keeps dragging there feet with documents. Every XXXX weeks they seem to have another document that expires. So it starts the whole documentation process over and it has become very uncomfortable with an auction date of XXXX XXXX on my home. I really need help, i had someone at XXXX contacted by the CFPB and that helped but now that is not really helping any more. I do not know what to do about this any longer. My consumer advocate at XXXX contacted me on XXXX/XXXX/XXXX and notified me i was in final review and they no longer needed papers. The same day they are now claiming underwriting issued updates needed on XXXX documents, i think that is ridiculous. This is the XXXX time they did this to me, the XXXX time was in late XXXX XXXX. Please help.
Consumer complaint received 2017-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

I have pay this account to the colection company for a lower amount, but still show the original balance and open, also is duplicate from the orignal owner the credit card bank, and from the colection company. XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$0.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You 've paid off 100 % of your collection amount. 
Balance {$0.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 

You could dispute an error with XXXX XXXX XXXX
Consumer complaint received 2017-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase has been taking no action to resolve my fraudulent identity verification. I have been locked out of my assets with my account frozen since XXXX. They had no problem taking my money and allowing me to trade up to the amount of over {$10000.00}, then began requiring identity verification. It was only a problem because they did not recognize any address and provided me with false identity verification questions. 
I have tried to contact them in a regular basis since mid XXXX. No minimal correspondence and no resolution. They even drop my calls when I call customer service and do not call me back. They hang up on me after I get connected with an agent more than once as well. 
I need access to my funds as it is unlawful and fraudulent to hold my funds with no explanation nor attempt to fix the problem. As a result I have lost thousands in trading possibility as well as investing at times that would have profited me signinficantly. There have been damages in excess of {$10000.00}.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called multiple times and they kept giving me the run around. I 've sent in the proper documents and still no results.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX. I have been disputing with the credit reporting agencies for several months now. They are reporting a Bankruptcy that I have been trying to get additional information on. I have asked the XXXX house if they correspond with credit reporting agencies and they indicated they DO NOT. The bureaus are using a third party as well to report information that they themselves do not investigate. Even that company they use DO NOT CORRESPOND WITH THE XXXX HOUSE EITHER. The FCRA mandates that if they report information they have to be able to truly validate it. How is that possible if the court house wo n't? Anyone how owns a computer can research things but that does n't mean that it 's true information!
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I submitted disputes to XXXX - Trans Union and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Between XXXX XXXX and XXXX XXXX of XXXX, I received 2 notices of being enrolled in XXXX for a Citibank issued account. I have been a customer of Citibank for over 15 years so this could reference a number of things. I have held 4 department store cards, 3 business accounts, and 8 checking and savings accounts issued by Citi in that time.

The 1st notice said that I was enrolled and if I had no knowledge of this to contact them. The 2nd notice stated the same, adding that if I had not provided consent for being enrolled I would be issued a refund.

I called Citibank for a separate issue and asked about the letters. I was transferred twice before anyone knew what I was referring to. While holidng, I researched " citibank accountcare refund '' online and found that Citi will be refunding over $ 7M for illegal financial services billing and account management. 

Finally, I was connected with a credit card department refund assistant. She said that she could n't help me without detailed information from the letter. Because I am traveling at the moment and only have the confirmation number, I did n't have the actual letter. She directed me to the website for more info, which consists of only 2 pages - one to submit a claim and one page for FAQ. The FAQ page only has 11 questions with very little information and no phone number or options to contact Citi. I promptly gave her my opinion of her poor customer service and my disappointment that despite sitting in front of a computer that she did n't even offer to look me up by name or SS #. She responded by transferring me to someone who could. 

The second person was more apologetic about the situation but not much more helpful. She prefaced the conversation stating that her job was to help people access the website and she just so happened to be helping out with this refund situation. She answered two of my questions - if the notice letters were duplicates ( or were they for 2 separate accounts ) ; and which account was the letter was sent. All other questions were not answered. She said she did n't have access to any of my previous information about the account that is being refunded, she could n't tell me the timeline of when these fees were charged, nor when the refund claim would be processed, if I was going to receive the refund at all, nor if any of my other accounts were entitled to refund. She put me on hold twice to contact " account research '' and both times no one in that entire department was available. Finally, I asked for a number that I could call back to follow up and she said she has no other citibank phone numbers except her own.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

Equifax reported this on my credit report XX/XX/XXXX I never received notice from this company XXXX of rights to dispute which is against the law. This delinquency was first reported on XX/XX/XXXX by law it is supposed to be deleted after the first date of delinquency 7 years later. Instead they newly reported it to my credit report. Since disputing this item the company has reported this item every month in spite. Which is against the law and harrasment.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

This is a copy of a letter sent to Walmart/SynchronyXXXX along with their complaint form, in regard to a problem with my account : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, South Carolina XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX Reference Credit Card Account Ending In : # XXXX To Whom it May Concern, I was checking my credit account with your company and discovered an error. I sent you two payments of {$220.00} to be applied to my account, one for my usual monthly payment and the other to be applied on the principal on the debt. Both payments were initially credited to the account on XXXX XXXX, XXXX. However, your accounting office, for some unknown reason on XXXX XXXX, transferred one of the {$220.00} payments to someone in XXXX, Georgia. 

I called your offices about two weeks ago to make an inquiry on this transfer and was told it had been transferred to my old Walmart account to cover an outstanding balance on it. I informed the person I was speaking to that there could be no outstanding balance on that account, as the complete balance of it was transferred to the new card when it was issued. I was then told the money would be credited back to my account. 

Since then, my normal monthly payment of {$220.00} was received and credited on XXXX XXXX, XXXX, but the {$220.00} that was transferred to XXXX, Georgia is still missing. 

Nobody at Walmart/Synchony seems to know exactly where my money went, but I want it refunded back into my account immediately and applied toward the principal on my debt balance. At this time I am paying additional interest to you because of this error. 

Sincerely, XXXX XXXX XXXX, XXXX. 

______________________________________________________________________ Since then, this has occurred : ______________________________________________________________________ On XXXX XXXX, XXXX, I checked my Walmart Card balance and found out that my balance had gone UP {$360.00}. Instead of deducting the {$220.00} refund I SHOULD have been credited with, it was ADDED to my current balance along with an increase in interest {$3.00}. Maybe I was better off just letting them keep the {$220.00} I was cheated out of, because they have now cheated me out of another {$220.00} plus interest. My balance actually went up from {$6600.00} to XXXX. There have been no other charges made on my bill by me, but my bill has increased by {$360.00}. 

Enclosed are copies of the printouts from my account online.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

After a year of court appearances and several thousand dollars in court and attorney fees a settlement was reached with the plaintiff American Express. On or about XX/XX/XXXX a stipulation of settlement was created for 50 % of the balance owed to American Express which came to {$10000.00}. The first payment of 24 payments was set to begin on XX/XX/XXXX. I started making all payments in a timely manner. On or about the 20th payment, there was a problem with my bank account, so I sent the check from a different bank account which was cashed in a timely manner. Apparently XXXX claimed that one payment was still outstanding. I made countless phone calls starting in XX/XX/XXXX with no success. I spoke with many representatives all of which promised to help me, but instead ignored me and never returned any of my calls. I sent XXXX a letter on XX/XX/XXXX with proof of all payments, again XXXX completely ignored my request to look into the matter. l continued to make all 24 payments on time and wrote a final later with the payment number 24 on XX/XX/XXXX requesting the account be closed and removed from my credit report. XXXX did not respond. On XX/XX/XXXX I received a letter from XXXX  requesting the other 50 % claiming that the 1 payment was still outstanding so now the entire balance was due. I called maybe 20 times, speaking with many representatives, with no success. XXXX did respond on XX/XX/XXXX as well as XX/XX/XXXX indicating the account was in dispute. 
As of today XX/XX/XXXX there is no return phone calls from XXXX and each month the missed payments are being posted on my credit report indicating the account is in default, ultimately lowering my credit score. I filed a dispute with all 3 credit bureaus, but XXXX XXXX  response is, the account is still active. I need further this issue in order to achieve resolution. I will also be filing a complaint with the attorney generals office as well. 
Thank You
Consumer complaint received 2017-10-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cottonwood Financial Ltd. (WI)

A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
Consumer complaint received 2016-09-23
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NJ)

When I received my income tax with rushcard in XXXX. I had damaged my card and called for a new one, weeks later I notced I stI 'll have n't received my replacement card I called them and asked what was going on. They told me thy had already sent it out and I sold have reicieved it by now. They went on to tell me what address they sent it to wic was not mine. I had been usin the same address for rush card since XXXX. I do n't know how they got the one that they " sent it to ''. The balance of my account gets sent to me everyday via email and txts. I noticed that I had not XXXX a text from this card I never received stating my balance was XXXX cents. And immediantly called rush card to see what had happened. They told me my card had been activated and used. I told them that it was n't me who did it and tmso they hsd me file a dispute report for all transactions made on that card. It has been since XXXX XXXX that I have been dealing with this. Months later I was told by me calling cm rushcard to ask for an update they told me that all the funds I disputed was going to be returned to me wich was {$800.00}. I was happy, they then told me they will send me a new card. I waited and waited for it to show up and nothing came. I called them back and they said for security reasson I needed to send identification. All the documents were faxed to them and I still have n't received anything. Today I got an email saying that {$72.00} was credited to my account. I again immediantly called them to see why is it so low.?? They told me that there were only XXXX disputes that were fon in my favor. But months ago they told me that allll of t he disputed would be credited to me. I feel lied to, scammed, and chested out of my hard earned money. This isnt fair. I do n't trust anything they say. And I demand answers please help me. It 's been since XXXX I have been waiting for all of my money and today I found out that I 'm only getting not even 10 % back. My email is XXXXXXXXXXXX my phone number is XXXX. Thank you
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

RE : U.S. NATIONAL ASSOCIATION, AS TRUSTEE, ON BEHALF OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME EQUITY PASSTHROUGH CERTIFICATES, SERIES XXXX. Wrongful Foreclosure. Violation of California Homeowner Bill Of Rights, Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). False information filed under penalty of perjury on California Declaration Of Compliance dated XX/XX/2016 as part of the Notice Of Default. Specifically, homeowner, XXXX XXXX, received a phone call on her cell phone on XX/XX/2016 from a representative from XXXX XXXX XXXX. The representative inquired about homeowners plans for the property as payments were delinquent. The representative was advised that there had been a change in material and financial circumstances. That the co borrower spouse on the loan, XXXX XXXX, had been diagnosed with XXXX XXXX on XX/XX/2016 after having been ill but undiagnosed for one year. The XXXX representative was advised that XXXX XXXX 's illness had kept him from working full time in his small business and had caused a substantial drop in business income. The XXXX representative was advised that the homeowners needed a review for loan modification as the interest rate of 8.625 % was too high and made the mortgage payment too high. The XXXX representative advised the homeowner that a review for a loan modification was " not an option '' because a loan modification had been previously completed. It was not until I received a consultation with an attorney, that I learned that the bank and or assigned servicer were obligated by law to review for a loan modification if there had been a change in material or financial circumstances. The statements made by the XXXX representative discouraged the homeowner from pursuing a review for modification. The SPs Representative violated the homeowner 's rights by NOT fully exploring all the available options to avoid foreclosure. A California Declaration Of Compliance was filed XX/XX/2016 with the Notice Of Default, falsely stating that all options to avoid foreclosure had been explored with homeowner. My rights have been violated. My home is being sold without due process of law.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

On or about XXXX I was no longer able to pay my second mortgage due to a loss of income ( father in-law who was on the mortgage passed away then wife became unemployed ) with me becoming delinquent on the first soon after from back to back hardships. 

The lender of the second mortgage refused to work with me in any way, shape or form such as a loan modification, deferring payments, lowering the interest rate from 7 % to something more modest, etc. 

During XXXX the lender, NATIONSTAR, charged off the full amount of {$71000.00} and issued me an IRS tax form XXXX " cancellation of debt '' for the XXXX tax year. 

When reviewing the form I noticed that box # XXXX which explains the reason and or type of cancellation was not filled in. I contacted NATIONSTAR asking for a completely filled in XXXX along with a notice of wether or not the lien was released so I may forward it to the first mortgage company in an effort to save the home. 

I was told by Nation Star that although the debt was charged off and they received the tax benefit of it and that I had to file it with my taxes where it could have been considered earned income, except for the law that was in place at the time, the debt is still valid and owed by me and they maintain a lien against the property still. 

Can this be legal and if not who can help me resolve this?