davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

I SOLD COMPUTERS TO SOMEONE AND FUNDS WERE SENT TO ME VIA GIFT XXXX PAYMENT METHOD ON XX/XX/XXXX. ON XX/XX/XXXX, THE BUYER INITIATED A CHARGE BACK VIA HIS FINANCIAL INSTITUTION ( AMEX ) AND THE FUNDS HAVE SINCE BEEN ( AND STILL ARE ) REMOVED FROM MY ACCOUNT. THE TOTAL AMOUNT IS {$17000.00} ON XX/XX/XXXX, THE PERSON WHO INITIATED THE CHARGE BACK LET ME KNOW THAT I IN-FACT HAVE WON THE CHARGE BACK FROM AMEX ( AMEX RULED THE CASE IN MY FAVOR - SEE ATTACHMENT ) I CALLED AMEX ABOUT A WEEK AFTERWARDS AND ASKED IF THEY HAD SENT THOSE FUNDS BACK TO XXXX AND THEY HAD TOLD ME THAT THEY HAD SENT THEM BACK TO XXXX ON THAT SAME DAY XX/XX/XXXX ( HOWEVER THEY REFUSED TO SUBMIT THAT TO ME IN WRITING ) I CALLED XXXX THEREAFTER AND ASKED THEM IF AMEX HAS SENT THEM BACK THE FUNDS YET AND OF COURSE NOT SURPRISINGLY THEY SAID AMEX DID NOT SEND THEM THE FUNDS BACK YET. THEY SAID THEY WOULD SUBMIT THAT TO ME IN WRITING HOWEVER NO EMAIL WAS EVER SENT TO ME. 

I HAVE DONE NOTHING WRONG HOWEVER I AM NEGATIVE {$17000.00} SINCE XX/XX/XXXX WITH NO RESOLUTION IN SIGHT. I HAVE COLLECTION AGENCIES CALLING ME ASKING HOW I PLAN TO GET MY XXXX ACCOUNT BACK TO A POSITIVE BALANCE. I REFUSE TO TRANSFER A SINGLE XXXX OF MY CASH INTO MY ACCOUNT TO RESOLVE THE NEGATIVE BALANCE WHEN I HAVE DONE ABSOLUTELY NOTHING WRONG. I AM ALSO SCARED THAT MY CREDIT SCORE, WHICH I HAVE SPENT YEARS POSITIVELY BUILDING UP, WILL SUFFER DUE TO THIS NONSENSE I DON'T KNOW WHO IS BEING DISHONEST IN THIS SCENARIO. DID AMEX TRULY SEND THE FUNDS TO XXXX, AND IS PAYPAL LYING? OR, DID XXXX TRULY NEVER RECIEVE THE FUNDS, AND IS AMEX LYING? 
ONE OF THESE TWO COMPANIES IS BEING DISTRUTHFUL AND THE END RESULT IS ONE OF THESE TWO COMPANIES NOW HAS A FREE, POSITIVE CASH FLOW OF {$17000.00} AT THE DIRECT EXPENSE OF ME.
Consumer complaint received 2018-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2018 I purchased a Jeep, VIN XXXX, from Momentum XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over 709 at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. Mr. XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately 17K miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over XXXX hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX.99 because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. 6 ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
Consumer complaint received 2018-08-25
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: Westlake Services, LLC (TX)

I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXXr XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX
Consumer complaint received 2018-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I requested a Chexsystems report because I've been declined several times when trying to open an account with different financial institutions. I don't understand why my account is in Chexsystems when I paid off ( {$260.00} ) the XXXX XXXX XXXX   claim XX/XX/XXXX and the XXXX claim was closed XX/XX/XXXX also I don't even recall this debt. But if it takes me to pay the questionable ( {$110.00} ) to get out of XXXX I'll pay it. But what happens next, is the any other steps for me to take?, or will this release me from your system? If you release me how long is it before all the financial institutions are made aware so I can open accounts? Please help? 

Both institutions advised me it's our off their hands, and there's nothing they can do to help me.
Consumer complaint received 2018-08-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

1. I pay 12.5 % interest rate, {$1300.00} going to interest and only {$77.00} to Principal by SPS inc. or Select Portfolio Servicing inc. TOO MUCH!!! TOO MUCH!!! 
2. Not able to refinance from out of ADJUSTABLE RATE mortgage through SPS inc. or ever for over 15 years of trying and mostly paying on time shows greed and abuse in industry over all in USA!! 
3. Minority abuse by SPS inc. should also be examined!! 
4. PURE GREED by SPS against us public servants and our kids, consumers period!! 
5. the payments made so far to SPS were not reported to credit bureau !! 
I am a laid off minority  person here in Texas and adjusting to making much less money. My wife is a public school XXXX. We continuously tried to refinance but were always denied. Even when i was working steady and paid ontime for 2 years straight ( XXXX ) we could still not get a refinance. The XXXX XX/XX/2018 payment is XXXX XXXX/mth and we have been turned down from Modification twice so far by SPS  and are currently under a 3rd review. Please help us to keep our home. Ideally, We want a refinance asap or a modification that is reported to the credit bureau.
Consumer complaint received 2018-08-25
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2018, credit card payment of {$8000.00} was made and it was posted on Barclays credit card on XX/XX/2018. 

On XX/XX/2018 ( same day ), Barclays Card decreased credit limit to {$6900.00} ( decreased for the amount of the {$8000.00} payment made and posted ) without any notification to customer ( myself ). This is abusive business practice as a registered financial institution. 

On XX/XX/2018, I called customer service, spoke to customer service representative name XXXX ( ID # : XXXX / XXXX XXXX office ) and confirmed that there's no letter/notification went out to customer. ( XXXX ) Barclays credit card is in standing, always was, never made late payment.
Consumer complaint received 2018-08-25
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. (IL)

to whom it may concern, I have repeatedly contacted Experian on multiple occasions regarding the accuracy of a bankruptcy listed on my credit file with Experian. On each occasion, Experian continually states they have verified & certified a Bankruptcy on my credit file as accurate. Ive contacted the XXXX XXXX of Illinois Federal Bankruptcy Court where the bankruptcy was filed and they responded via letter, THAT FEDERAL COURTS DO NOT PERFORM ANY ACTIVITIES WITH CREDIT AGENCIES ( I've enclosed a copy of the court response as proof ). 

It is to my understanding the sole provider with most accurate & verifiable information of this Bankruptcy is the presiding Federal Court. Therefore, Experian has not & can not verify any of the data involved in this Bankruptcy without the use of a 3rd party source such as XXXX, XXXX or XXXX XXXX who share and disseminate information whether it is verified as accurate or not. 

According to FCRA, that pursuant Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a Debtors social security number along with their full name and address can be released. Furthermore, per FCRA, all Credit Reporting Agencies are required to conduct investigations of disputed items with Original Provider of the information in question, which in this case is the XXXX XXXX XXXX Illinois Federal Court. 

I am know formally requesting Experian to comply with the all federal laws by verifying the disputed information with XXXX XXXX XXXX Illinois Federal Court within the allotted time by federal law. If Experian can not accurately verify and correct any and all errors this information, l expect the disputed information to be completely removed in the most expeditious manner possible by DELETION from my file. 

This is due to the fact Experian has not correctly verified this bankruptcy that's being reported. furthermore, EXPERIAN has refused/declined to disclose WHO & When they verify the accuracy of the information other than saying they are using some third party agency.
Consumer complaint received 2018-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Over the past two months Wells Fargo has begun placing holds on checks I've been depositing despite the fact it has been many years, if ever, since I had a deposited item returned. I believe this practice is intended to generate overdraft fee income for Wells Fargo and not for any valid business reason. I have had this account with Wells Fargo for at least 32 years and believe this to be both a violation of Regulation CC and the reality of the speed with which checks clear since the implementation of Check XXXX. Having spent 27 years in the XXXX XXXX industry and as a XXXX XXXX who primarily sues financial institutions I can unequivocally state there is no business reason for suddenly beginning this practice. I am asking that the CFPB both investigate this matter and assess penalties against Wells Fargo for engaging in a practice that can have no benefit to anyone except Wells Fargo and then only to artificially generate fee income, something Wells Fargo has been doing ever since it's acquisition by XXXX.
Consumer complaint received 2018-03-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

I spoke to Ocwen Loan Serving reference my loan : XXXX   on XX/XX/XXXX and was informed that my {$1500.00} dollar payment was being returned. The previous month was the same thing for {$460.00}. Ocwen took my payment inXX/XX/XXXX. In addition, I was informed that Ocwen denied my request for a Loan Modification.

Last year, Ocwen representative told me in order to qualify for a Loan Modification you need to fall behind on your payments and have your " stay '' on Chapter XXXX Bankruptcy removed.

I recently had the " Stay '' removed around XX/XX/XXXX I did everything Ocwen asked me to do.

Ocwen refuses to work with me, I received a copy of the court order from my Chapter XXXX Attorney with Arrears being over {$13000.00} dollars. The principle balance of my loan is {$84000.00} The equity of the home is over {$200000.00} dollars, my attorney said, " I think Ocwen wants to foreclose on your home to make a huge profit '' This another form of predatory lending or scam that this loan servicer is trying to take advantage and abuse consumers like me. In fact, I XXXX my wife to XXXX  and it also caused a financial strain on my finances.

Ocwen number XXXX, because of the lies Ocwen and the unwillingness to take my payments. I no longer trust this business, they have violated the " good faith practice ''. I ask your assistance in protecting my consumer rights immediately. Thank you
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX - they are reporting under two names with incorrect information on my Transunion, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my Transunion report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & TransUnion received my request onXX/XX/2018 my current file number : XXXX.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
Consumer complaint received 2018-08-25
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: AES/PHEAA (FL)

Beginning XX/XX/XXXX through XXXX XXXX, I entered into a forbearance for my student loans with XXXX XXXX. However, there are late and delinquent reports on all sixteen of my XXXX accounts on the three major CRAs, dating XX/XX/XXXX-XX/XX/XXXX. I have disputed these markings with each CRA to no avail. XXXX XXXX refuses to update the CRAs with accurate information. The inaccurate information XXXX XXXX continue to report for the time period of XX/XX/XXXX-XX/XX/XXXX is damaging, unethical and noncompliant with the FCRA. 

I have attached to this complaint, a letter I received from XXXX XXXX  that clearly states my account in Forbearance status from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (WA)

In XX/XX/2018 I sent proof that my account had been paid in full before a judgement was taken against me. They have done nothing so I called back today and was told they found the proof I sent but they needed to research some more since they dont know where the money was because it wasnt put towards my account. Said to call back again the next business day. This issue is effecting my ability to get a real estate loan that is in process currently and is delaying me closing.
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohen & Associates (NC)

On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number an requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. 

Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. 

I'm not familiar with any issues and have not received any letters in the mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches that were with big companies and in the news.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for an American express serve card, was approved, had my job direct deposit to it and was very happy with the card. Then one day when I tried to use it I couldn't. I called the company and they told me that my card has been suspended but that they where not allowed to tell me why. They always acknowledge that I have a balance of {$84.00}. and promise that they will send it to me but never do. I've called twenty times in two years to no avail.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Company (WV)

On XXXX XXXX, someone called from XXXX and said her name was XXXX and she was with Credit Management Company, which is a debt collector. We asked her to send verification of the debt and to stop all phone calls in the process. She was very rude and said " We 'll keep calling ''. They have never sent any verification and every time I refuse to give them sensitive personal information, they get extremely rude. I have recordings of calls asking them to stop calling and send verification. They just do n't. They have never sent a single piece of mail to us and wo n't provide an address.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America credit card company charged {$3.00} interest to {$280.00} balance subject on XX/XX/XXXX. For this bill, I made {$310.00} of purchase which is due on XX/XX/XXXX. 
For the previous month, I paid in full the new balance total of {$900.00} ( {$570.00} ( the previous balance ) +late fee {$25.00} +interest {$12.00} + $ XXXX {$900.00} ) on XX/XX/XXXX which was before due ( XX/XX/XXXX ), and there was no balance for the interest. I don't understand where both the balance {$280.00} and the interest {$3.00} are coming from. 
On XX/XX/XXXX, I talked with XXXX in North Carolina branch of bank of America credit card. She told that BOA has a policy that they charge the interests 'double ' consecutively for the 'one ' billing cycle of the unpaid balance, even though I paid it full amount of New balance on next month which includes late fee and the interest. So, when we both read together the policy on the statement, it says : BOA will NOT CHARGE interest on purchases on the next statement if you had paid the new balance total in full by the payment due date. The BOA policy is totally opposite of what she said. When I asked the explanation it to her, she hung up the phone.
Consumer complaint received 2017-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Capital One Auto Finance did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Capital One to no avail as well. I never consented for anyone at Capital One Auto Finance ( COAF ) to access my credit files nor was I contacted by COAF to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by COAF be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I have two accounts with Citibank. Gold account number ends in XXXX. Platinum account number ends in XXXX. I mistakenly sent a {$3300.00} payment intended for the Gold account ( SEE EXHIBIT 1 ) to the Platinum account. The Gold payment was posted to the Platinum account XXXX/XXXX/XXXX. SEE EXHIBIT 2. I called Citibank and was forced to deal with a foreigner who I could barely understand. I explained that I needed {$3300.00} payment REMOVED FROM PLATINUM ACCOUNT and POSTED TO GOLD ACCOUNT. The frustrating foreigner spent a lot of time messing around. But then I noticed that the requested action was taken a few weeks later. Yesterday, I received a letter from Citibank stating that the {$3300.00} payment was being REMOVED FROM THE GOLD ACCOUNT. SEE EXHIBIT 3. I can confirm that the payment has been removed from the Gold account. But now the payment is posted NOWHERE. I 've given them {$3300.00} and the payment is posted nowhere.