davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

since XX/XX/XXXX of last year we qualified for loan modification and partial claim. 

We were working with XXXX XXXX XXXX XXXX to assist in getting a loan modification. 

XXXX, Our initial mortgage company had agreed upon a {$1400.00} loan modification with XXXX. 

We then received documents with a partial claim but no loan modification. 

This was brought to their attention, then more than a month later they send the same paperwork with the same missing paperwork. 

After they send the second package, loan was transferred to flagstar bank. 

Flagstar has agreed to honor the XXXX monthly payment and we have paid every month since XX/XX/XXXX  with no progress from Flagstar. 

Currently Flagstar calls 3 times a week for debt collection purposes and to update on the status of the loan modification. 

The account has been with Underwriters since XX/XX/XXXX with no progress since from Flagstar. 

Our point of contact is not able to get any other information to us beside what she always says which is " the account is still with underwriters '' and " I can get with my supervisor and call you back '' which she never does. 

XXXX XXXX XXXX continues to assist in this process even past what they were obligated to do. But XXXX and Flagstar do not seem to care enough to move this any further. 

Soon this process will have been open for a year with no actual progress done. 

We dont even have an actual written agreement with Flagstar just a verbal agreement that they will honor the past agreement with XXXX. We continue to make our payment of XXXX every month though.
Consumer complaint received 2023-02-08
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. (TX)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (NY)

My letter sent certified mail on XX/XX/XXXX was delivered and signed for on XX/XX/XXXX. I have requested validation of debt, and to this day have not received this from the company. I was then forwarded a judgement from XXXX of XXXX that I never originally received. This judgement was sent to an invalid address and has an invalid employer listed to " garnish my wages '', therefore this is an invasion of my privacy pursuant 15 USC 1681 384.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I was billed for items from Bloomingdales that I never received. I have contacted them many times by phone, and every time they tell me they are going to refund my account and check back with me in 48 hours. They never call back and never refund me. This has been going on since XX/XX/XXXX. They are now charging me late fees on my card! It is a getting to be very stressful. On the website it says they refunded me but they really have not because if they had my balance would be XXXX Now it is affecting my credit score. They have many complaints about how they treat costumers, I will never order anything from them again It was my first time and last!
Consumer complaint received 2023-02-08
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (OK)

On XX/XX/XXXX, opened an internet-only XXXX XXXX  account XXXX XXXX XXXX  is an online-only bank of Texas Capital Bank XXXX headquartered in XXXX, Texas. 

On XX/XX/XXXX, successfully linked new XXXX XXXX  account to another personal banking external account and accomplished test deposits between the two accounts. 

On XX/XX/XXXX, while trying to sign on to new XXXX account, while receiving the access code via smartphone, I received another call and ended the access code call. Later in the day, when I attempted to sign on to the XXXX XXXX  account, I received the following message : " This Login ID is currently disabled. Please contact your financial institution to re-enable this Login ID. '' I immediately called XXXX XXXX  Customer Support and the CSR indicated she was " filing a case with Internal Tech Support ''. 

On XX/XX/XXXX, I again called XXXX XXXX Customer Support to try to receive an update on the situation as it had not been resolved and I was still unable to access my account. The CSR indicated there was " a pending case with Internal Tech Support '' and she would attempt to escalate it and would call me ASAP. 

On XX/XX/XXXX, per the XXXX XXXX Terms of Service, I wrote a letter requesting the account be closed and the balance of the account mailed to me at the address on file. 

As of this date, XX/XX/XXXX, I have not received the requested funds. I have no indication the account has been closed. I am still not able to access the account online. I simply want the account closed, the balance remitted and be able to put XXXX XXXX  in my rearview mirror. 

I hope CFPB can help me accomplish this as soon as possible.
Consumer complaint received 2023-02-08
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (IL)

Dear CFPB, I am writing to bring to your attention a recent dispute I had with Citibank regarding my credit card. Despite my efforts to resolve the issue through their customer service, the dispute was not approved, and as a result, my credit card score took a hit. I am submitting a complaint to your institution to seek a resolution. 

I have a XXXX payment history across all my credit cards and have always been a responsible and prompt payer. I believe that this dispute was caused by a mistake on Citibank 's end, and I am deeply concerned about the impact it has had on my credit score.

I would like to inform you that I had repeated experiences of being cut off in the middle of conversations or text chats with Citibank 's customer service. This made it very difficult for me to resolve the issue, and I feel that my attempts to do so were not taken seriously by the customer service agents.

I do not have the text transcripts as proof of the situation, but I am confident that Citibank was in the wrong. I kindly request your assistance in investigating this matter and helping me resolve it in a satisfactory manner.

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Recently, I did an investigation on credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I XXXX XXXX XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by XXXX XXXX XXXX XXXX in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least one party. I am hereby giving you advance notice that I may decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record. Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. I refuse to pay this debt. Send and XXXX XXXX pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, XXXX XXXX XXXX XXXX. ) Regards, XXXX XXXX XXXX XXXX XXXX Natural Person
Consumer complaint received 2023-02-08
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 (CA)

This account is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, American Express is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleading practices.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (MI)

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX. Company called repeatedly both during and after business hours from different phone numbers beginning around XXXX XXXX. 
XXXX. Company would reach voicemail and leave no message. 
XXXX. When I finally answered the unknown number, Company would not provide information about the Company, but demanded information, including PII from me. Company did say that they were part of XXXX unknown to me. 
XXXX. I initially refused to provide unknown Company with personal information, and asked for Company to provide partial information to verify that they had me as the proper contact, and to reduce the threat of fraud. Company refused. 
XXXX. I asked to speak to manager, who validated that they do not provide information until they verify my identity. Company would not provide type of business, or any other information on demand. After working in compliance, I knew that this seemed like a violation. 
XXXX. Despite feeling wrong to do so, I felt so much pressure that I provided enough personal information to the company that they told me they were a debt collector. 
XXXX. Company could not tell me where the debt originated, or from what purpose. 
XXXX. Company told me that I owed a significant principal balance, and that I was overdue. 
XXXX. Company told me that if I did not make a payment they would report negative credit. 
XXXX. Despite feeling uncomfortable, I decided to pay the amount they demanded to avoid negative credit impact. 
XXXX. Company required additional PII, including social security number and then payment information. 
XXXX. I paid 'past due ' balance, verified address and contact information, despite never knowing where this loan originated. I can not find the charge to my account -- anywhere. It is either mislabeled, parsed into smaller payments, or never happened. 
XXXX. Company never provided reasonable information despite asking, demanding, escalating my issues, and representative admitted to knowing that the order of events did not make sense. 
XXXX. As of today, Company claims I owe {$2800.00}, claims I am {$150.00} past due, and has submitted negative credit reportings creating a very significant XXXX point decline in my overall credit score. 

I made the payment, and never had a clear explanation of where the loan originated from, or the circumstances under which I assumed any type of financial relationship with SIMMSXXXX. Since providing all PII, I am now receiving bills with late fees, with nothing more than dollar amounts. The bills do have notices of CFPB protections. Most recent paper bill arrived XX/XX/22, with a notice that payment was due XX/XX/22. The bill also includes a notice that states I may owe more than what is reported on bill day-to-day. 

The payment methods of this Company were deceptive, exclusive, aggressive, threatening, and confusing.
Consumer complaint received 2023-02-08
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. (VA)

The following creditors with whom I have no open accounts or relationship with-obtained my information UNAUTHORIZED and WITHOUT MY CONSENT : Creditor Name Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX
Consumer complaint received 2023-02-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate these reporting accounts as unverified information. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-02-08
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. (NY)

I have disputed multiple negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

First off been with Wells Fargo since XX/XX/XXXX.Tried to close a account (XXXX) in XX/XX/XXXXWent into Wells Fargo Branch rep told me to come back next day or call because $XXXX Pending withdrawal.Called next day and Lady said cant close account because I transfered from another account even though account was positive.next day a NSF Fee for $XXXX  that was paid by wells fargo from XXXX XXXX XXXX.Late fees where then charged due to ISF and Returned checks.Paid some of the late fees and got XXXX account down to  $XXXX PLUS  and then opened anew account (XXXX) to have my 3 jobs direct deposit into.Old Account XXXX was closed with $XXXX or so owed.Wells Fargo Started taking funds out of new account (XXXX) without notice at end off day and sent payments coming out of my account back(XXXX) and charged me a late fee( total $XXXX   plus since XX/XX/XXXX) one of with is a IRS Installment agreement payment  i get every month.On XX/XX/XXXX I notice it again this time for $XXXX at end of day called right to set off they called it without warning.I called and they sent me to collections and I asked what is this for?He said you owe $XXXX, How would you like to pay?I said for what and you have taken out a total of $XXXX plus in Right to set off ( after I reviewed and added up all of them) since XXXX  at random causing me $XXXX plus in late fees on my New account XXXX.And he said oh yeah you owe $XXXX.I said im reporting them to XXXX, He said WHO? I said XXXX, he quickly took my name and address and but me on hold to transfer me to Executive branch .I waited 20 min on phone had to get back to work so hang up .The $ XXXX  was to cover payments for the XXXX and now my account is Neg -$XXXX and I will get to Late fee in mourning now.I called XX/XX/XXXX  and I got to Executive Branch ( spoke with XXXX) and he sent me to Collections saying nothing he can do.He Transferred me to XXXX( ID # XXXX) in Collections he thought i wanted to close my new account XXXX..I said no I have 3 jobs and they are all direct deposit to that account we are talking about the account you closed in XX/XX/XXXX XXXX that you are taking funds out of my new account XXXX for with out notice causing me Late fees and have took out over $XXXX so for on a account you you wouldnt close back in XXXX that had a Ending Balance of $XXXX or so dollars.He says well in the future call the people who are taking funds out of my account and let them no.The guy was clueless.I gave up.I have 3 Part-time jobs and have paid them over $XXXX in late fees since XXXX on new account XXXX due to there taking funds without notice and  and over $XXXX on old account XXXX   they wouldnt close after 3 attempts and $XXXX in Right to Set off with out notice on new account XXXX and he says i still own $XXXX. Im broke and this is not right so im filing a complaint.XXXX XXXX
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Tona Mortgage, LLC (CA)

As a mortgage broker, we were working with Hometown Equity Mortgage , LLC dba theLender. We submitted a conventional, non-QM, mortgage application to them. We were given an LE@ 9.875 % with no lender origination. Only an underwriting fee. The lender representative confirmed that we submitted the loan correctly and issued the LE accordingly. They would not allow us to lock the loan until it was approved through underwriting. After underwriting, they informed us that the loan was mispriced by them, as a bank statement loan. And that this loan now has $ XXXX in fees. We have it documented that we submitted and they accepted the application as a XXXX XXXX XXXX  loan. This company is engaging in bait-and-switch practices. They are issuing LE 's with terms they do not offer.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo purchased my mortgage from XXXX, subsuming the terms of my mortgage contract. Wells Fargo has been accepting timely payments from, however refuses to apply them toward my monthly payment. They are instead registering them as " Payments to principal '' -- one of their representatives notified me over the phone that they would still expect a " single, one time payment in the exact amount of the bill '' every month. 

The payments I make toward my loan are to be applied at my discretion ; the representative informed me that they would keep applying them to principal regardless of what my wishes are. To date I have received one legal correspondence from Wells Fargo notifying me that my " XXXX '' payment is overdue. From XXXX through XXXX I have submitted {$970.00} in payments. From XXXX through current I have submitted an additional {$310.00} toward monthly payment ; which the rep told me was not applied toward payment.