davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I was assessed 3 overdraft fees totaling {$100.00} but never had a negative balance on my account. On XX/XX/XXXX my account began with a total balance of {$69.00}, I purchased gas at XXXX for {$40.00} which took my account to XXXX, I then purchased XXXX costing {$8.00} bring the total to {$21.00}, next {$15.00} was spent at XXXX leaving a total of {$6.00}. Later that evening I completed an online transfer of {$44.00} that brought the account to {$460.00} because an online transfer of {$410.00} I made the prior evening, Thursday XX/XX/XXXX, also posted on XX/XX/XXXX. The overdraft fees of {$100.00} left {$360.00}, {$2.00} XXXX made {$350.00}, XXXX XXXX {$11.00} took the account to {$340.00}, XXXX {$29.00} & {$17.00} made the total {$300.00}. These transactions per my statement never caused a negative balance on my account, but due to your overdraft fees my account continues to go into the negative. I have made a total of {$590.00} credits to my account since XX/XX/XXXX, the first online transfer of {$410.00} was made while my account was still in the positive before the transactions in question were made. The online transfer made on XX/XX/XXXX for {$57.00} made the account positive that night and then I woke up to a negative balance of {$19.00}, I then transferred {$43.00} bringing the account positive again at {$23.00} my wife made a purchase at XXXX for {$14.00} leaving me a total of XXXX. The inaccurate overdraft fees cause my account to be negative. I called customer service each time the account went negative but no one could explain how you apply overdraft fees to an account that does not go negative. Not to mention, I was told by different reps different transactions caused the overdraft. My next step in an attempt to get a solution was to go into a branch, upon speaking to the branch manager he understood and agreed that my account should not have any fees, he called into customer service and was given the same explanation they gave me. He ultimately said he would rebate the last overdraft I received of {$35.00} as a form of customer service. Even with him doing so my account is still negative {$26.00} but has a balance of {$8.00} which seems as if there is another overdraft fee that 's going to post to my account.
Consumer complaint received 2018-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MN)

This started in XX/XX/XXXX I lost my job. I started a temporary job making {$4.00} less per hour XX/XX/XXXX to XX/XX/XXXX. We were paying the current mortgage but were unable to catch up the two months we were behind. At that time we were one to two months behind on our mortgage. I called the Freedom Mortgage company in XX/XX/XXXX/XX/XX/XXXX and explained the current situation. They told me I should do a loss mitigation packet. Then in XX/XX/XXXX I hurt my XXXX and was unable to work and we started to get further behind. 

I sent a packet myself with no assistance to them. They responded saying I needed to redo 4506-T. I complete the form with a customer service rep from Freedom Mortgage. I sent the mortgage company this for and my taxes from XXXX and XXXX, The mortgage company responded by sending me a new packet and the 4506-T form was still incorrect. 

Freedom then sent a letter stating we needed to go to a HUD housing place to assist me with the loss mitigation. In XX/XX/XXXX made appointment with XXXX XXXX XXXX. They submitted the packet and the mortgage company continually asked for information we had already sent. 

I requested a meeting with XXXX in XX/XX/XXXX. I was still getting notices from Freedom. I then received a letter hand delivered to my door trying to see if we live there but it was not stamped. XXXX suggested we do a whole new packet. I did not understand why that was needed. They had contacted Freedom but was unable to explain what was going on. 

In XX/XX/XXXX we received a foreclosure from Freedom. I contacted Neighborhoodworks asking what we should do what was happening. He did not know and was also frustrated with Freedom. We asked to be referred to another agency. 

I was referred to XXXX ( XXXX XXXX XXXX ). We sent another packet. The did respond saying 4506-T was incorrect and we need to send taxes XXXX, XXXX, XXXX. In XXXX to present Freedom has refused to accept our current mortgage payments. So as of today we are now behind six months. Additionally an individual who was from Freedom and wanted to take pictures and verify we lived at the house.

Freedom officially accepted the loss mitigation packet in XX/XX/XXXX. We were verbally informed that Freedom had made a decision and emailed it to us. The letter supposedly stated we would need to {$2300.00} per month to catch up. Our original mortgage payment {$890.00} including taxes and insurance. 

As of today XX/XX/XXXX we have yet to receive anything from Freedom nor has XXXX. We believe they are trying to take our house. It is unclear why they will not continue taking payments while we work through this.
Consumer complaint received 2018-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.
Consumer complaint received 2018-06-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

My spouse and I contacted Quicken Loans for refinancing our current mortgage. We were told that we could only qualify for an FHA loan. They were very pushy about collecting the {$500.00} appraisal fee and warned us that their offer would expire if we didn't pay soon enough. We contacted another lender and were approved for a conventional loan. When we contacted Quicken and told them we were approved with another lender and did not want an FHA loan, they initially said they would review our information and see what could be done. They contacted us again and told us that " no one '' would do a conventional loan because of the small amount ( $ 50K ). The woman LAUGHED at us and said " Well if they ( the other lender ) think they can push this though as a conventional loan, more power to them, but don't be surprised when everything falls apart at the closing. '' We closed with the other lender without any problems. This is predatory lending and pressure tactics, people need to know what Quicken is doing.
Consumer complaint received 2018-06-14
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery Associates has been continuously reporting an entry on my credit report and not validated the entry. In my previous disputes to XXXX and XXXX, they responded that the accounts were verified. To that end, I sent a dispute certified with return receipt to them. I sent my first dispute to the Portfolio in XX/XX/XXXX and their response was a mere summary drafted on their letterhead. This did not provide any substantial justification regarding the amount they were alleging I owed. As a matter of fact, it was very questionable. Thus warranted my follow response refuting what they sent. In my letter dated XX/XX/XXXX ( see attached ) ; I specifically pointed our the errors and inaccuracies that they were reporting and to date are still reporting. 

To recapitulate, Portfolio opted to not send a dunning letter notifying me that they were attempting to collect a debt. Hence violating my consumer rights that would have afforded me the opportunity to dispute the validity of the alleged debt. Additionally, in my XX/XX/XXXX dispute, they neglected to fully investigate the dispute I submitted and provide the requested documentation to validate the alleged debt they are reporting. Further, upon my sending a 2nd letter to them in XX/XX/XXXX specifically denoting the inaccuracies, they have failed to update the entry on my credit report and have failed to provide the documentation supporting them having the ability to report this account as a data factoring account. Portfolio continues to blatantly violate my consumer rights. 

Given the aforementioned information as well as the supporting documentation attached, this entry mandates a DELETION IMMEDIATELY!!
Consumer complaint received 2018-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I first contacted Equifax and XXXX in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked Equifax and XXXX to validate the information with XXXX and provide me with any documentation connected with the accounts. Equifax and XXXX  did not validate the alleged accounts which are showing on my credit report. Equifax and XXXX repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that Equifax and XXXX provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that Equifax and XXXX delete the XXXX line items from my credit report. Equifax has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, XXXX  also has not fulfilled this request. Equifax and XXXX  unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against Equifax, XXXX and XXXX.
Consumer complaint received 2018-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UNITED GUARANTY CORPORATION (NC)

I closed on my home on XX/XX/XXXX with XXXX XXXX and I had a PMI payment of {$710.00} per month. The company, United Guaranty, was the company that the monthly PMI payment went to. I paid this exorbitant private mortgage insurance for over ten years. I have paid roughly {$90000.00} in private mortgage insurance fees ALONE. I think that I was given a subprime loan because of my race and gender. I feel that money should be awarded back to me. I am still in my home as of XX/XX/XXXX. After years of paying the ridiculous month of {$710.00}, the PMI on my loan was finally reduced to {$34.00}. I want my money back. I feel like I was scammed. United Guaranty should be ashamed.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (WA)

Thanks for letting me describe situation. 
It was regular purchase in XXXX when twenty min later I got notifications through XXXX   XXXX app like someone did hard inquiries what I was surprised. I didnt apply for anything. Next day I called to two organizations ( banks ) and they says that they will investigate it and will stop applications process ; I thought is done. But now I got another notification about adding another credit account on my name. 
Please help to stop it. I dont know why and who is doing that. Even I called companys they still processing fraud applications. 
Thank you.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

American Express continues to approve my credit card applications and then before the card is mailed to me, cancel the card, claiming that I have " abused the error billing process. '' The accounts that they claim abused the error billing process were fraudulent and American Express has since removed them from my credit file ( per the attached response from an earlier CFPB claim ). 

That said, my applications are still being approved but then cancelled. I demand American Express rectify this on their end immediately and allow me to open a credit card, given the accounts they claim abused their error billing process have been proven to be fraudulent and have since been removed from my credit file.
Consumer complaint received 2017-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX XXXX I paid off a collection in full to XXXX XXXX XXXX acct # XXXX and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XXXX/XXXX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XXXX/XXXX/XXXX. I have proof of both removals. I was not notified in writing within XXXX days of placing this debt back on my credit report. This is a violation of FCRA. As of XXXX XXXX, XXXX I pulled my XXXX, Transunion credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XXXX XXXX and that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from XXXX  stating this information has been verified and Transunion just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back in XXXX XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

Prestige Financial has failed to update my credit reports with XXXX, XXXX and XXXX according to the current status of the account. I have paid Prestige current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all 3 reports, Prestige is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the Representatives at Prestige and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. 

I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. 

Statement has been attached for your review as supporting documents. 

As of today my credit reports do not reflect account being in a current paid as agreed status. My account with Prestige is current. 

This false inaccurate information has caused credit denials.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
Consumer complaint received 2018-09-08
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. (WI)

On XX/XX/2018, I submitted a written dispute to Experian. While they addressed my most of my concerns and removed the accounts that I had no knowledge of, there is one account that I disputed that is still showing on my report and does not appear to have been investigated. While I am certain it is merely an oversight, I do need the account with XXXX XXXX removed from my credit reports immediately. I have contacted the creditor directly and they have been unable to provide any form of debt validation or verification of the debt. For your convenience and swift processing, I have included a copy of my original dispute letter and a copy of my results from XXXX showing that they also deleted this erroneous account from my credit reports after further investigating the matter.
Consumer complaint received 2018-09-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (IL)

I have been trying for months now to obtain a copy of the original contract between XXXX XXXX XXXX XXXX and their client XXXX XXXX prior to my wage garnishment. XXXX only provided a copy of a statement dated XX/XX/2018 from XXXX XXXX, which is not the contract. XXXX has be bouncing around this request for months now, and I demand the request immediately.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (AL)

DIVERSIFIED CONSULTANT is illegally adding on collection fees that I did not agree to pay. They are claiming that I owe {$390.00} for a past due cable bill. This is inaccurate. I have no knowledge of this account. they need to provide proof of the original contract as well as proof that I agreed to pay collection fees. Also provide state ID/license that was used to verify my identity.
Consumer complaint received 2017-10-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Maximum Title Loans, LLC (AZ)

My loan is for {$4000.00} with a payment due on the XXXX of the month for {$200.00}. I was contacted on Sunday which was the XXXX of the month and asked for payment. I informed the representative that I could not pay until the XXXX of the month. The representative would not allow me to adjust the my payment date and stated the collection efforts would continue. Every two hours I was texted and called in which I answered the text and phone calls repeating that I could not pay until the XXXX and that I would also pay the late fees at that time. On Monday I repeated the information to all the various phone calls I also receive on Monday. The representative stated they needed my car until I could pay the payment. I repeated that I would pay the payment on the XXXX plus the late fees. 

The representatives were now becoming aggressive and threating to call and text my employer and that the are going to report my car stolen. I repeated that I could pay the {$200.00} in 7 days along with the late fees. They continued to harass me by phone, email, text and I replied to all of them with the same answer, I can pay on the XXXX and all late fees. 

Wednesday is today, and the representatives are calling around to my business relationships and threatened to report the car stolen. 

I have called the business, Maximum Title loans, and have attempted to speak to a individual about my account and have had to leave voice mails and have not bee called back, yet I have been asked 3 times to surrender my vehicle without explanation. 

Please assist me in mitigating the damage to my personal reputation and business well being from being slandered by these debt collectors and assist in obtaining reasonable terms of repayment and ability to request a payoff and close the account. 

My name is XXXX XXXX XXXX and I can be reached at XXXX
Consumer complaint received 2017-10-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had filed a complaint previously because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Phone # : XXXX appeared on my credit report. The company failed to validate - i had no idea what it was. I received a letter from XXXX XXXX saying that XXXX XXXX was updated the three agencies and deleting the listing. The listing has since been removed from my XXXX and XXXX report, but Transunion however has still not deleted it.
Consumer complaint received 2017-10-31
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. (WA)

On XXXX XXXX, XXXX as a result of news report that Equifax was hacked, I checked, if my name was on the list. They responded with an e-mail XXXX XXXX, XXXX, to return to the website in a few days, to enroll in freeze and credit monitoring. 
On XXXX XXXX I again attempted to contact Equifax. They acknowledged my inquiry " Thanked me '' and asked me to look for e-mail to further the process. 
As of this date XXXX XXXX, XXXX, no conformation has been received. 

Please advise of a course of action I should take. Your help and assistance would be greatly appreciated. 

XXXX XXXX XXXX XXXX ) XXXX