davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-03
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is incorrectly reporting derogatory information about a HELOC account that I had with them XX/XX/XXXX. Bank of America is reporting that I had a bankruptcy in XX/XX/XXXX which is NOT TRUE ; furthermore, this loan was never late or behind as proven by Bank of America 's own history of this loan provided to me ; therefore they have no right to report this as a derogatory item. They should be penalized for this because this incorrect reporting is hindering me from securing a loan. I am enclosing a copy of a letter that I sent BOA with detail explanation of the issue and supporting documentation.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I settled both of my Capital One accounts with the law firms handling the debt. I have disputed the balance multiple items on my credit report to show updated as paid in full and Capital One is refusing to update it which is causing my credit score to remain really low. They ca n't do this and it needs to be removed from my credit report now since they are reporting inaccurate information.
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (CA)

I had XXXX XXXX phones with XXXX for almost 2 years. I did not sign a contract. I paid month to month for service on all XXXX phones. On XXXX XXXX, 2016, I called XXXX and told them I was cancelling service and we were switching to XXXX because I was going to go on my daughters ' XXXXphone plan with new XXXX iphones. We were n't even using the XXXX phones anymore and my daughter 's old phone numbers we had with XXXX were even transferred to the new XXXX iPhones. 

Service with XXXX was discontinued at the transfer. The XXXX phone was n't even working anymore. XXXX has continued to bill me for service when we were on a month to month contract. And now they have sent this bill to a collection agency.
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IL)

I have a continuing issue with Citibank. My original complaint # XXXX was disputed numerous times and closed without any resolution. Now I continue to receive collection notices from Citibank. The first Collection Agency was the XXXX XXXX XXXX which I sent a letter to on XXXX/XXXX/2017, disputed the account with and notified the credit agency that I was a victim of identity theft. I was told they would not contact me again. Then, Citibank changed the Collection Agency to a different company named XXXX XXXX XXXX XXXX to continue harassment regarding the identity theft. Then when I disputed the file again with Citibank, I was sent a letter that stated " So we can continue our investigation, please provide the following : The enclosed Declaration of Fraudulent Charges completed and signed by you and anyone authorized to use this card. If we do not receive a response from you within 15 days from the date of this letter we will complete our investigation with the information available. The letter is dated XXXX XXXX, 2017, today is XXXX XXXX, 2017. THERE IS NO DECLARATION OF FRAUDULENT CHARGES ENCLOSED IN THE ENVELOPE TO RESPOND TO AND NO PHONE NUMBER GIVEN. I just confirmed with CFPB at XXXX that the account has already been closed. The deceitful practices of Citibank must be stopped. HOW ARE YOU SUPPOSED TO RESPOND WITH NO DOCUMENTATION ENCLOSED TO RESPOND TO. ALSO, CITIBANK PUT THE IDENTITY THEFT ACCOUNTS IN COLLECTION WITH XXXX AFTER I REQUESTED THEM BY MAIL AND PHONE THAT I AM A VICTIM OF IDENTITY THEFT AND AFTER I DISPUTED WITH THE COLLECTION COMPANY INFORMING THEM I WAS A VICTIM OF IDENTITY THEFT, I WAS TOLD THEY WOULD NOT CONTACT ME ANYMORE. CITIBANK THEN, CHANGED COLLECTION AGENCIES TO XXXX
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Non-Compliance with borrower 's notices. Wells Fargo and it 's Legal counsel has opted not to respond with an " acknowledgement '' of HAMP request made on XX/XX/2016. As per the HAMP Rules 3.4.2- Servicer 's must develop and implement written polices and procedures to provide notification to their foreclosure attorney/Trustee regarding a borrower HAMP status, including whether the borrower is potentially eligible for HAMP. 
HAMP Rules 4.5- Within 5 business days following receipt of any component of Loss Mitigation Application, the servicer must " acknowledged '' in writing the borrower 's request for HAMP participation by sending the borrower conformation that the Loss Mitigation Application has been received and inform the borrower whether their application is complete or incomplete ( acknowledgement ). 

As of XX/XX/2016, Wells Fargo or their Legal team XXXX, XXXX XXXX XXXX, have failed to provide me with any notices regarding our HAMP request. Be advise that their legal team have engage in other criminal matters pertaining to the XXXX Judicial Circuit in connection with the foreclosure action that will only be shared with the Office Of The Internal General. We ask that you sanction Wells Fargo for failure to provide me with notices regarding the HAMP request.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (DC)

On XXXX XXXX, I requested an investigation into a charge on Wells Fargo credit card. This charge was for a rental car that I did reserve but I was charged an additional {$300.00} " vehicle inspection fee '', a charge that I did not authorize and one that was over 3 times the amount of my original bill. When I filed the dispute with Wells Fargo, my credit card account was immediately restricted and I was no longer able to access my online credit card account. After following up with a Wells Fargo representative about regaining access to my online account and statements, the representative told me that " sometimes this just happens '' but he does n't know why. 

I eventually found out that my dispute was denied by Wells Fargo even though I did not and still do not authorize the {$300.00} vehicle inspection fee. I was told that the dispute was denied because the purchase was " verified '' by the company. I never asked for verification of the entire purchase. 

I recently opened a second dispute for this same unauthorized charge but I am still barred from using my credit card and I do not have any access to any of my account details or statements because Wells Fargo has deleted removed this account from online profile. 

Wells Fargo has infringed upon my FCBA rights forcing me to pay this unauthorized charge of {$300.00}. Wells Fargo has also infringed upon my FCBA rights by restricting my credit card account during 2 separate disputes.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Hunt & Henriques (CA)

I found out in XX/XX/XXXX I had judgement entered against me. I was not aware that judgement was entered in XXXX, I was never given court papers. It was explained to me I was served papers by substitution, that is not fair. I can not speak XXXX very well, but I was able to have a friend try to help me settle. They have raised the debt by way to much money and are not being cooperative in settling this debt for a fair amount, even though they never served me properly. I feel like I have been taken advantage of and now being forced to pay a large amount I can not afford.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ZENCO COLLECTION, LLC (CA)

I received a call at XXXX XXXX from an individual working for Zenco at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
XXXX XXXX are you aware that your social security number starting with ... and last XXXX digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from Zenco, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with XXXX XXXX, which is the company that contracted Zenco and inform them about what has happened. The manager did n't think Zenco said anything inappropriate and in fact, kept telling me that I had to pay the bill and that Zenco had the right to collect my debt.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has deleted my mortgage credit line from my credit report. On Janaury XXXX, 2001, I executed a mortgage loan with XXXX Mortgage and Countrywide Home Loan was the servicer starting XXXX 2001. Bank of America needs to include my loan credit history on my report. My credit report shows no loan by Countrywide 's successor.
Consumer complaint received 2017-02-23
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Clear Debt Solutions, LLC (TN)

Multiple threatening calls to my cell phone, my husband 's cell phone, my work phone and co-workers phones. All claiming a debt not on my credit report. They state they wo n't even tell me who I supposedly owe. They state that they are BBB accredited but the company name only shows on a similar named company as not associated with. I spoke to my local police department and they said to ignore because I need full name and address to file harassment charges. They will not give me that information. I blocked the number on my cell phone but can not do that with work phones.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (IL)

I am not sure if it is the right category. 

It 's a debt with XXXX that dates back from 2010. The debt was the last bill emitted by XXXX XX/XX/2010 when my wife XXXX XXXX XXXX was living at XXXX XXXX XXXX # XXXX XXXX IL. The last bill ended up through a collection agency at the end of the XXXX. We payed it XX/XX/2010 as soon as we were made aware of it. We did not have a permanent address for 3 months which explains the lack of awareness for that last XXXX bill. 

XXXX decided to invoice XXXX with late fees after the bill was paid through the collection agency, They failed to try to contact us by other means than letters. 
Late fees have been accumulating on top of each other for the last 6 years without any of our knowledge. 

We are currently trying to refinance our home, this is affecfting her credit. I just found out that we had that debt collection on my wife name. We called the collection agency and paid it, the amount was for XXXX and they have been charging late fees monthly for the last 6 yrs. XXXX never tried to called my wife since 2010 even though her phone number on record was still valid. 
They just sent it straight to the collection agency. 

The issue is with XXXX, not the collection agency
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had XXXX XXXX call me at home ( cold calls ) and offer insurance policies as I was not insured and I had been looking on the Federal Exchange. I asked specifically if they covered the doctors I was using as I am XXXX now and they said they " looked it up '' and answered absolutely YES. The insurance companies were from out of state. When I tried to tell this to Capital One the card I had charged the premiums to they said the companies submitted all their paperwork where I had signed up, although I never received anything from any of these companies. They told me not to use the policy for 30 days and directed me to a website to print up a temporary insurance card, nothing else. The card is refusing to credit me for the money I spent on these policies they blatantly lied about. I am XXXX and have no income. I believe they sold policies on fraudulent premises, lies. I have written several letters to Capital One explaining this to no avail. Capital One is siding with the insurance companies. I called and cancelled these policies within the required 30 day period which now the insurance companies are denying. I got no paperwork or confirmation numbers when I cancelled these policies which is what Capital One is asking for. Which is why I am guessing they did n't want me to file any claims for 30 days.
Consumer complaint received 2016-05-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

1. Bank of America need to my mortgage loan history back on my report. 
2. XXXX needs to remove the credit line they are reporting. 

As per the credit report, the last date Bank of America reported data to the credit report was XXXX XXXX. 

On XXXX XXXX, XXXX, Bank of America 's agent foreclosed on the property. 

From XXXX XXXX through XXXX XXXX, there has been no data reported on Loan XXXX. 

On XXXX XXXX, XXXX began to report adverse and incorrect information referencing loan XXXX. I have never executed any loan agreements after the foreclosure sale on XXXX XXXX, XXXX. Bank of America and XXXX are colluding and conspiring to collect a debt without any authority.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Bread Financial Holdings, Inc. (IN)

My credit information was used in another state at a XXXX store, increased my limit and was allowed to charge on me, with out a call to me, When I found out and they sent a card in that persons name to my address a few months had gone by, I never had a billing reflecting it, it is now on my credit report as a charge off and past due 150 days! AND account closed at credit grantors request, all this on my report!. This has harmed me to refinance my condo, I have no negative otherwise on my credit, ever, and I 'm XXXX and go back a long time..I want them to get that off now from my reports.. I do have a open account that I 'm paying on shows no problem, of which I 'm paying off soon and will never do business with them again. I had spoke with them about the allowed charging and thought they were taking care of it for me, and now I find this, I feel this happened in their store by one of their employees, since a clerk from my home town store ordered coat from Illinois store gave my info to them in having a coat I wanted sent to me from their store, and it happened after that ... Please can you help me? Sincerely
Consumer complaint received 2016-05-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

I purchased a brand new XXXX car with GMAC in XXXX 2005. Everything was good for a couple years, but with the economy crash and self employed, I was late on payments several times through the remainder of the loan, however but still managed to pay it off in the time of the loan. That was 5 years ago, yet they still will not send the title unless I pay interest and late fees. This is totally unfair and unrealistic. The car is only worth ( according to several GM dealers ) what they say I have to pay ( over {$1800.00} ). And they want to report more negative information to the credit bureaus.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (MD)

XXXX XXXX changed over their billing system in XXXX, 2016. Because of that change, they were late in mailing their bills. Once I received mine and verified the balance, I paid it. Due to the ineptitude of XXXX XXXX 's financial people, many people, such as myself, were sent to Convergent Outsourcing for collections actions. On the date of the letter from Convergent, my balance with XXXX XXXX was {$38.00}, not the amount stated in Convergent 's letter of {$860.00}. XXXX XXXX, due to their error, should not have sent me to collections, but due to lack of competent oversight, my account was sent out. Convergent Outsourcing did not do their due diligence in accepting my account from XXXX XXXX, as my account with XXXX was current and they had an incorrect balance in the letter. Another red flag that Convergent missed was a sharp increase in accounts referred from XXXX, which should have alerted them to the fact that something was wrong at XXXX XXXX. Since my account with XXXX was current at the time of the calls and letter, I consider the calls & letter to be harassment.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX is my original debtor. The staff repeatedly failed to respond to my request to fix XXXX leaking ventilation systems, XXXX in each bedroom, flooding on the carpet as a result of the leaking, and resulting mold problem all over the XXXX bedroom walls. 

The flooding was so bad that we could n't walk in the rooms without shoes on. The area around the ventilators was all soaking in brown water, which was slowly draining to the rest of the rooms. This resulted in mold around the systems and on the walls. I have really bad pictures to show for this. 

The maintenance man came to the apartment once, cleaned the walls with bleach and promised to come back the following day to drain the clogged up system. Inside the ventilation was rotting cotton wool-like material floating in rusty, corroded water that was slowly draining all over the carpet. He never showed up again to do the followup cleaning. 

After a week or XXXX, the mold was back on. I wrote to the office informing them that the maintenance man did n't resolve the issue. Nobody responded to me. I later found out that this molding/flooding issue has been an ongoing problem at the XXXX XXXX apartments. 

Considering that the complex has a policy that does n't allow potential renters to survey the apartment prior to signing on, I had no ability to observe detectable problems prior to signing the lease. 

Compounding to my complaints was the fact that despite being assured that the building was smoke-free, nothing was done to address the fact that my upstairs neighbors were not only smoking out in the balcony but dropping their cigarette butts on my porch. 

Unfortunately my daughter and I suffered XXXX problems, more so my daughter who has been treated for XXXX issues. I could n't stay there any longer. This debt is completely out of the negligence of XXXX XXXX XXXX XXXX XXXX XXXX to maintain a habitable place for tenants.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

On XXXX/XXXX/16 I deposited XXXX $ XXXX funds into my Suntrust checking account XXXX. On XXXX/XXXX/16 the bank withdrew XXXX $ for the exchange rate and continued to hold the entire {$5000.00}, overdrawing my account by XXXX $ and insulting me with an overdraft fee, in addition to leaving me no liquid assets to live on. By contacting the chairman of the bank on XXXX/XXXX/16 the error was finally repaired. However, now the bank has debited my XXXX account the XXXX $ on XXXX/XXXX/16 and has not credited my XXXX account the XXXX XXXX The only information they offer is that the funds will be available on XXXX/XXXX/16, six weeks from the initial deposit, leaving me no funds in either account.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (FL)

approximately 2 years ago I was approached by someone from our bank where we had personal and company accounts for the last 8 years, namely wells fargo, to open a credit card account. at the time I thought that they were very helpful because 8 years ago I had filed for bankruptcy, and it was very difficult to restart my credit worthiness. 
they opened my account with XXXX credit line, 6 months ago they increased it to XXXX. 
in the apprx 2 years that I had the card I never went over my limit. I never was late in payments and always paid in full. the card has a 1 % reward and I was able to amass a total of XXXX which we left in the account ( what a fool I was ). 
on XXXX XXXX 2017 we received a letter from wells fargo stating that the account was closed immediately as of XXXX XXXX. I called customer service and after having been passed to XXXX different depts. I was told that XXXX account was closed and they did not have to explain why and that the XXXX that I had as rewards were also not available. 
I believe that 1. they should have given me the possibility of claiming the rewars 2. been able to tell me why they closed the account since my credit is at XXXX with no negatives other then the bankruptcy of 8 years ago..
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..