davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I made a payment through XXXX XXXX using my Wells Fargo business debit card. The intended recipient never recieved the payment since there was another individual with the same name. XXXX XXXX instructed me go to my bank branch manager to  dispute the claim if the teller could not assist. The dispute was filed by phone and denied. XXXX XXXX reports they can not do anything without the bank disputing the claim.
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (CA)

Last week (   XXXX   ), I called  Sallie Mae t o get a  XXXX  pay off statement to apply to refinance my loans with someone else.  XXXX  days before, the pay-out from a different company we 've refied with was placed in my account, so they are aware I 'm trying to re-fi at least some of my loans. My interest rates are outrageous, and I can not afford them much longer. The customer service rep put the request in and mentioned that because of the long weekend  (   XXXX  Friday ) it might take longer than the usual  XXXX  business days, which is fine. I never got the pay-off statement, so I called again last night. While a note had been made on my account, it did n't state how many days I needed nor had the request been filled. Now I have to wait  XXXX   XXXX  business days for the statement to finish my re-fi application. My goal was to have  XXXX  of my loans re-fied by the time my next payment was due, but now because of this, it will not happen. I firmly believ e Sallie Mae i s holding up my paperwork so I ca n't re-finance my loans. I went to  XXXX   XXXX   XXXX .
Consumer complaint received 2017-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on different dates and I noticed all unauthorized inquirys had been made. and already contacted all the banks and bureaus the only inquiry 's that is suppose to be on my report is XXXX XXXX XXXX. I 'm trying to shop for a car and im denied by banks cause of inquiry 's and i hav n't even made inquiry 's since my first car. only things that should be on my report are All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I contacted all the banks, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. they made an investigation and said i made the inquiry but i did NOT sign for these inquiry 's. i think i gave my social out to a scammer to a fake site that i thought is real. I already completed disputes with TransUnion. I had sent letters to the banks to send transunion a letter to remove unauthorized inquiry 's and i did not get a response back after that. 

I request that you remove all my inquiry 's on my credit report EXCEPT XXXX XXXX XXXX. once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address XXXX XXXX XXXX XXXX, XXXX XXXX If you find the inquiry referenced above to be valid WITH MY SIGNATURE, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. If my inquires do not get removed i will be taking this to a higher level of the bureau to the United States Government Consumer Financial protection bureau within 10 days i will continue to send letters to everyone i possibly can until this is resolved as well as i will get a lawyer to keep sending letters. 

Remove all unauthorized inquiries on my credit report. or i will keep lettering out to everyone continously. This is very hard on me when im trying to shop for a car with 6 people in my family that are all XXXX and i shouldnt have to go through all this on stuff i did not pull. everytime i send letters i call transunion back and the dispute process is told to me same way after i tried there process many many times. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

In XXXX XXXX I applied for an Amex card that offered XXXX XXXX XXXX XXXX XXXX I was approved and I satisfied all spending requirements to be granted the bonus, but the miles have never been credited to my account. 
I called Amex several times and I was always told that an investigation was ongoing. XXXX month later nothing has been resolved. 


Thank you.
Consumer complaint received 2017-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC (PA)

On XX/XX/XXXX, I submitted a complaint # XXXX. I submitted this complaint to request that CFPB help resolve, help bring awareness and help bring relief to a very serious, and now illegal, issue .XXXX XXXX XXXX was and is garnishing my wages for over a year now. they have never offered any XXXX/Student Loan forgiveness or forbearance to me at anytime. At the time of the first complaint I had no correspondence from the loan agency, XXXX XXXX XXXX claim they are collecting for, for over 5 years. ( I am XXXX years old, I graduated in XXXX. ). Prior to this I was told by the loan agency that I should wait for a reply to my multiple request tor XXXX and/or Student Loan Forgiveness, Forbearance, etc. 
A year ago I received a letter stating that my wages would be garnished. I was not given a hearing to attend on this matter of over {$25000.00} and no legal rights to state my opinion or provide proof of evidence in the matter.to the judge at this hearing. 
I then saw that money was taken from my pay on the statements without documented calculation, pay schedule, etc. AND IT IS STILL BEING TAKEN ( I do not even know the amount until after it is taken ... ... .each week ). 
I was told that there is a CLASS ACTION LAWSUIT against companies that are garnishing monies from prior students without the option of forgiveness or forbearance, etc ... XXXX 
I will be sending CFPB presented documents as I continue conversations to be included in the lawsuit where ever I am directly connected. 
Sincerely, XXXX XXXX.
Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

XXXX XXXX 's home sold back to Ocwen on XX/XX/2018. There was a 6 month redemption period in which Mr. XXXX had planned on gathering funds to redeem the property. Ocwen and their attorneys were notified of Mr . 
XXXX 's intention to redeem. On XX/XX/2018 Ocwen was sent a request for the Redemption Payoff Amount. Ocwen 's attorneys advised that it would take 4-7 business days to calculate and notify Mr. XXXX. Mr. XXXX did not receive the redemption figures until XX/XX/2018. On XX/XX/2018 Ocwen requested a call on XX/XX/2018 to discuss the logistics of the redemption. On XX/XX/2018 Ocwen sent Mr. XXXX a Notice to Vacate expressing their intentions to initiate eviction proceedings. 

Ocwen has violated Regulation X, 12 C.F.R. 1024.41 ( g ), by failing to honor Mr. XXXX 's request for redemption and by advancing foreclosure during the redemption negotiations.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (LA)

On  XXXX   XXXX ,  2017, I ca lled Navy Federal Credit Union about my federal income tax refund being deposited in the wrong account. They told me that since it was the wrong account, the funds would be rejected and sent back. I called back on  XXXX   XXXX  and  XXXX  and they said the same thing and would not further assist me. After a week of checking for the funds and not seeing them, I called Navy Federal Credit Union on  XXXX   XXXX ,  2017. T hey told me that I had to call the IRS or  XXXX   XXXX   XXXX   XXXX  to get my money. I called both and they told me Navy Federal Credit Union has to release the funds back to them and then they will be able to send me a paper check. I have been back and forward with Navy Federal Credit Union and  XXXX   XXXX   XXXX   XXXX  to get our funds. Finally, on  XXXX   XXXX ,   XXXX  , Navy Federal Credit Union was willing to tell me that I had to get  XXXX  &  XXXX   XXXX  to send them an Indemnity letter to release the funds. On  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   sent the letter at  XXXX  and at  XXXX  and it was denied, because the full amount was not available. I called Navy Federal Credit Union back on  XXXX   XXXX  and  XXXX  to see what I can do to get the funds released. They said they need  XXXX   XXXX   XXXX   XXXX  to send another letter when the full amount is available to be withdrawn.  XXXX  &  XXXX   XXXX  is refusing to send another letter stating the same amount for The  Federal Refund,   which was denied. Now I do not know what to do, because Navy Federal Credit Union has proof that the money belongs to  XXXX  and  XXXX   XXXX . I also have our state refund being deposited to the same account i n 5 to 7 busi ness days, which will pose the same issue. Any assistance in this matter will be appreciated.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to XXXX, XXXX and Equifax and they still said that I was verified, but it wrong because I the open dates also the card limit
Consumer complaint received 2018-11-14
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I send a request to Equifax and XXXX to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.
Consumer complaint received 2018-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

Ocwen has made many mistakes. 
Last one was including a borrower that wasn't on the loan.

Ocwen has started foreclosure proceedings and endangering the household.

With the foreclosure filed strangers drive by all hours of the night especially while homeowner works at night.

Ocwen keeps delaying saying that they haven't received my filed personal taxes when in fact in their own email they say they have received them With that delay Ocwen won't review the complete package and submit for a loan modification so we can keep our family home and get rid of the foreclosure.

I am ready to make a mortgage modified payment.
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (NJ)

Dear Experian : I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : CREDITOR INQUIRY DATE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I send a request to XXXX and Experian to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (WV)

I am a victim of identity theft and have made experian aware of all the fraudulent/unauthorized activity on my file. I have mailed and uploaded in writing the 2 accounts on my file that should be removed due to identity theft. I included an FTC report specifying the 2 accounts ( XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX # XXXX ) This isn't right! I have provided all required documents for experian to help with the identity theft and they have done nothing.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MI)

Back in XX/XX/2015, I initiated the XXXX XXXX Internet / TV / Phone connection for my home and I was promised a internet speed of 150-MBPS speed. 
XXXX installed the equipment and I never ever received the internet speed of 150 MBPS. ( Checked using internet speed checking utilities available online ). The max speed that I ever received that I measured was 70 or so MBPS. 
After numerous customer service phone calls and numerous techniques trips to home to fix the problem, XXXX was never able to provide me the internet speed of 150-MBPS. 
I had no other choice other than to cancel the connection. 
XXXX comes back to me saying that I still owe them money for internet services that were not provided to me as promised. Attached are last two monthly statements. 
XXXX sold this debt to a company called XXXX XXXX XXXX and this debt ( {$110.00} ) is being reflected on my credit history. 
I have contact the credit bureaus to remove this debt form my credit history and was un-success doing so. Need help to remove this debt from my credit history.
Consumer complaint received 2017-10-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My wife and I have a Bank of America XXXX. They detected fraud and issued us new credit card numbers, but the fraud charges continued immediately with the new credit card number. I was also using the card and sometimes the fraud charges were occurring on the same day as my charges. A third credit card number was provided. 

We were originally told that we would not be responsible for the fraudulent charges, but recently Bank of America told us in writing that they have concluded their investigation and we are now responsible. The total amount of the charges is ~ {$57000.00}. 

The reason why they are saying that the charges are not fraud is that someone ( male voice ) called from our home phone and approved at least one of these charges. So since the charges we are disputing include the " approved '' charge, Bank of America believes that none of the charges are fraud. 

My wife and I live alone, and no one else has access to our residence other than our cleaning lady. 

Bank of America has issued us new credit card numbers a few times now, always based on fraudulent activity that they detected. 

When I originally filed a police report on this fraud, I was told by the officer ( XXXX NJ Police Department - Case # XXXX ) that there is technology available known as " caller id spoofing '' that can make it look like a call is originating from a specific number, when in fact, it is not. This could explain some things. 

My wife and I did not make these high price charges on our Bank of America XXXX. 

I visited a Bank of America retail store because I was told I needed to substantiate my identity before they would talk to me. I did this. This was the only way I was able to find out the reason why B of A believes the charges were not fraud. 

I have yet to find out when exactly ( date and time ) the call or calls were made from my home phone number that approved the high price charges. 

Also it is important to know that I have been the victim of identity theft. Someone did open a XXXX XXXX XXXX XXXX ( XXXX ) in my name at a retail location and obtained {$5000.00} in instant credit, and purchased ~ {$4800.00} in  merchandise that day. I received the credit cards in the mail at my home address. I reported this to XXXX immediately and I am not liable for these charges. 

My personal information was compromised during the XXXX breech. I went on their webpage and did substantiate this fact. 

I feel that Bank of America 's identity verification system is not robust enough, given the widespread breech of personal information.
Consumer complaint received 2017-10-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc. (VA)

On XX/XX/XXXX I bought a used car from XXXX XXXX in XXXX, Virginia through Consumer Portfolio Service, Inc ( CPS ) .. The loan was approved through the dealer on this date and I took delivery of this vehicle, XXXX XXXX XXXX. 

On XX/XX/XXXX I received a voice mail from CPS stating they needed information about XXXX direct deposit on banking statement. I called CPS on XX/XX/XXXX at XXXX the guy who answered stated his name was XXXX, I called later and his voice mail said, XXXX XXXX ( not sure of spelling ). XXXX XXXX asked how much did make from XXXX and how often did I work for them. I told him my loan was based on my retirement not on XXXX. I asked him why he needed this information and I did not understand. XXXX XXXX asked if he put me on hold to ask a question. He came back a minute later and stated, " I do not need this information, everything is fine ''. 

Later this day I received a call from XXXX XXXX from XXXX XXXX, Financial Manager, whom stated CPS called and said the financing for the vehicle fell through because I refused to give CPS  information concerning XXXX. This was not true since XXXX XXXX stated he did not need this information. 

The last time I XXXX for XXXX was XX/XX/XXXX. In the two ( 2 ) weeks since I bought this car on XX/XX/XXXX, I have not XXXX for XXXX. 

CPS lied and slandered my name when they reported to XXXX XXXX that I refused to give them information about XXXX.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

There are 3 accounts from Navient that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list Navient ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to Navient, but they continue to harass me!
Consumer complaint received 2018-07-19
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: HYUNDAI CAPITAL AMERICA (IL)

Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.