davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

My bank is PNC in Virginia. Back in XXXX I had fraud activity so I went immediately to the bank closed that account and opened a new one. I was assured several times from the bank manager once the account has refunded my money the account would be closed. I have a loan which I was also assured was moved to the new account. None of that was done. I have had overdraft fees and late fees do to all this. Most recently for some reason the loan withdraws out the account that was supposed to be closed months ago. I called the branch and left several messaged for the the manager to call me back. She never did. I went to another branch and spoke to manager there that said everything was taken care of which it was. Now a week later money was taken out of my account that I am now fighting to get back. I called early this week and I was assured my money would be refunded. It has yet happened. I call again speak to someone else and I 'm hearing from this person nothing was done earlier this week. I have currently a personal loan and car loan. I will be refinancing my house in order to pay these loans and will be closing my account with PNC.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (SC)

Back in XXXX I purchased a car from JD Byrider in XXXX Ohio. Shortly after I was one day late in making a payment and the vehicle was repossessed. I received disputed the information that was on my credit report in XXXX after I relocated to South Carolina after I received a letter from a collection agency regarding this old car loan. I was contacted by a lawyer from JD Byrider who could not locate any information on my loan from XXXX and informed me that they were not able to locate any paperwork on me since the original creditor is no longer in business. I received a call today from a company called XXXX XXXX XXXX who are trying to collect on this debt that no one after all this time can one prove I still owe. I still have yet to receive a copy of the original contract and disposition of the sale of the vehicle in accordance with Ohio XXXX. In addition this company has stated that they will sue me over debt that was long past the statue of limitations in Ohio as that expired in either XXXX or XXXX.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Advantage LNS Inc. (SC)

I have been contacting this company in efforts to solve a issue regarding a balance they say I allegedly owe. This company has not done proper investigation with the creditor that they are reporting for. I do n't owe anything to this company. The information they have is incorrect. I have disputed with the credit agency as well as contact the original creditor and they could n't even find the file. I have contacted the company by phone and the representatives there are really nasty. I have rights under Federal Credit Reporting Agency and upon this investigation I will take it further if my issue is not resolved.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (ME)

I mailed a certified letter to Experian, in regards to an account on my report. The account is XXXX XXXX, account # XXXX. I had mailed XXXX XXXX XXXX, on XXXX XXXX, XXXX, and letter was received XXXX XXXX XXXX. Before I mailed the letter, I attempted top send XXXX emails. All were returned as no email address on file. I received a response back, from XXXX, stating my letter was received by email, not by mail. Also, in the letter, XXXX stated the matter could not be looked into, as there was no new and material evidence. I beg to differ, as to which, I have been requesting copies of mortgage statements, for the life of this account. My main disagreement, being which if I was sent copies of escrow statements, dating back to XX/XX/XXXX, the billing statements must be in their possession. I mailed the letter ( s ) to Experian, and I received a follow-up letter, stating the matter can not be looked into, as it is considered as frivolous. Also, upon contacting Experian, on XXXX XXXX XXXX, at XXXX EDST, the call was disconneced after being on hold for well over 10 minutes. I feel as XXXX is hereby refusing my requests, as well as attempting to cover up the billing errors that occurred in XX/XX/XXXX, XXXX. This account was disputed in XX/XX/XXXX, and XXXX change it from being late, to paid as agreed, never late, at that point in time.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

i been dealing with this company not blocking fraudulent accounts and public records from my file for the past almost 3 years as i been going through identity theft. i have sent them countless numbers of official police reports and i also have attached a copy of my FTC fraud identity affidavit which includes every company that i know of that someone used to steal my identity i cant even move forward in my mortgage process for my family because they are also reporting XXXX public records that was filed in error under my name. It 's XXXX bankruptcies XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX those need to be removed permanently immediately. i have only filed bankruptcy one time which is XX/XX/XXXX. All these errors on my credit report is stressful and depressing and me and my lawyer is thinking of filing a lawsuit for emotional distress due to all this untrue information on my file. it 's hard to even live or get a job with all this identity theft. I demand that all accounts and public records be blocked immediately or i will proceed with the lawsuit against this company in the amount of XXXX dollars. i have disputed all these items several times and nothing has been done. I have never had a phone account with XXXX never filed bankruptcy in XX/XX/XXXX or XX/XX/XXXX those are filed in error under my name. i have attached a copy of all the information that this company asked for and told me that all this information including the public records would be blocked. I do n't see how they are investigating these items when the companies that im disputing are sending me letters saying they are removing these items but this company still wo n't update my report and let me live a regular life it 's very frustrating and they are breaking federal laws in the process while hurting me and my family.
Consumer complaint received 2016-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We contacted you on XXXX/XXXX/XXXX with concerns with Bank of America not willing to work with us and we were assigned complaint # XXXX. We were contacted by XXXX XXXX with BOA on XXXX/XXXX/XXXX to say he would be getting back with us within 1 week. We did get a call back on XXXX/XXXX/XXXX to say they still needed more time. I also called XXXX on XXXX/XXXX/XXXX to let him know our closing date is being moved up to XXXX/XXXX/XXXX so we need the payoff right away. We were trying to be understanding but we really do n't understand why it would take this long to give us a payoff without the late payments and back interest. We also requested to have the late payments removed from our credit with the payoff so that we will be able to purchase another home. 
I could not believe the doorbell rang and it was a certified letter from a foreclosure attorney representing Bank of America and the letter was dated XXXX/XXXX/XXXX, We 're attaching a copy for your review. This is definitely another indication of the way BOA treat their customers because while XXXX is on the phone telling me they need more time we get served these papers so what is the more time for. As we stated in our initial request BOA had no intention of helping us when I first contacted them XX/XX/XXXX because the first thing we requested was an extension on the balloon payment to give us a change to sell the house and we were told no. Now that the file is with an assigned foreclosure attorney this is damaging our credit even further and keeping us from home ownership. This more time is an excuse and we are scheduled to close on the sale of the home on XXXX/XXXX/XXXX, so we really do n't have more time we really need help now from someone who cares
Consumer complaint received 2016-08-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (AZ)

I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (NY)

I signed up for a citi simplicity card, was approved, and requested a balance transfer from my XXXX XXXX private student XXXX loan for {$3100.00} on XXXX, 2016. It was shown as approved by Citibank on XXXX XXXX, 2016. However, it was not reflected on my XXXX XXXX Account. I called citi multiple times and reached out online beginning XXXX XXXX to dispute the charge and have not heard back regarding the resolution. I am currently paying double since I have the balance transfer to citi as well as the XXXX XXXX loan. I tried signing up for this to avoid paying a 12.75 % interest rate and instead I am still paying that PLUS paying down a balance transfer -citi has doubled my debt and has not resolved my issue. They also promised a call back from a manager during business days, but instead called on a Sunday left no message and sent an email saying " they tried multiple times to reach me with no response. '' this is causing me financial hardships as i try to juggle these bills and pay for childcare for my son along with additional federal student loan payments that I continue to make monthly. the customer service at citi is atrocious, i ca n't get a straight answer, and I 've been disputing this charge since XXXX XXXX which puts me at XXXX XXXX with no resolution. I am now out XXXX ( inclusive of the balance transfer fee they 've charged me ) and I 'm paying this amount to citi for a balance transfer they never fulfilled.
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

On XXXX/XXXX/16, there was a HARD inquiry listed on my Equifax report indicating that XXXX requested my credit report, HOWEVER, I NEVER applied, or requested any credit or any other product with XXXX. I disputed the inquiry with Equifax and received a response on XXXX/XXXX/2016 indicating the inquiry was factual. I contacted XXXX for details on who/why my credit report was run, and they indicated that they DID NOT run my credit and that they do not have any information showing that XXXX ran my credit. I sent Equifax the letter from XXXX indicating that they did not know the origin of the inquiry and Equifax refuses to remove the inquiry.
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

Hello, After receiving a promotional offer code for a Citibank checking account that would earn a XXXX XXXX mile bonus after meeting a few requirements, I signed up for an account using the code on XXXX/XXXX/2016. 

I then confirmed with a Citibank representative in XX/XX/XXXX that I had met the requirements and would be receiving the bonus. On XXXX/XXXX/2016 I received a message from Citibank saying that I did meet the requirement and would receive the miles in XX/XX/XXXX or XX/XX/XXXX at the latest. I have a copy of this message as proof. 

When XX/XX/XXXX came I received no miles, I sent a message to Citibank to check in. At this point Citibank said that, even though I had previously been told I would get the miles, I was not actually eligible for the bonus and so would not be receiving the miles. This seems to me to be blatant, false advertising. I would like the XXXX miles that I was promised and my {$60.00} in fees paid while I waited refunded. 

Thank you for your time and help.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (VA)

In XXXX 2016, I opened a Citigold checking account with a promotion code I had received. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements XX/XX/2016, I messaged Citibank via their online secure messaging system to check on the status of this promotion that I was enrolled in and had met the requirements. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.
Consumer complaint received 2016-08-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

I have been working in good faith on a short sale with Wells Fargo. They initially drug their feet causing my first buyer to walk away. They only approved the sale after my first CFPB complaint. By then it was too late. Then we submitted a new offer for a sale and again Wells Fargo delayed the process only to deny the sale using a XXXX that was XXXX XXXX XXXX for a value. I again filed a CFPB complaint. They assured me they would do a new value if I found a new buyer. I have a new buyer and again Wells Fargo is dragging their feet, asking for documents over an over again. In the mean time I have received nearly XXXX denial letters stating they could not offer assistance because of no change in my circumstances? Also, when I call, they tell me nothing has been in review since XXXX, yet then ask for more documents. Which is it? Is there an active short sale or not? Now they have a sale date scheduled and their attorney some how obtained a judgement without every notifying me of the court hearing. I believe Wells Fargo is keeping the Short Sale " inactive '' so they can dual-track.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (KY)

I went with another cell carrier in XXXX, 2016. XXXX XXXX, I received an invoice from XXXX, for the pay amount on XXXX phones that I was doing the lease on. The bill was {$590.00}. I sent payment for {$360.00}, conformation # XXXX. The payment was due XXXX XXXX. I figured XXXX would then send me an updated bill for the balance. However, without another word from XXXX, they sent it to a collection agency, RPM. 
RPM have been calling my phone and home phone 4 to 6 times a day. I contacted them XXXX/XXXX/16, to see who this company was. And why they continue contacting me. That is when I found out, it was over XXXX. I told the lady, I had not received another invoice from XXXX or even from them. She stated they mailed it and would mail another. I informed, again, I had not received notice from XXXX or them. She said they sent a notice on XXXX and that is all that is required. I informed her to stop calling and send my notice. She refused and hung-up on me.I can pull phone records to show the number of calls, I have received. RPM have made 4-6 calls daily for a couple weeks. Which is the time she stated they mailed a notice. This is extreme. They are refusing to send me a notice. I believe XXXX should send me the total, my payment, and a balance.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MS)

I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditors, XXXX and XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Consumer complaint received 2016-11-17
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (MI)

I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX, XXXX XXXX, EQUIFAX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (GA)

I have my mortgage with 21st mortgage. So far these people have not followed by any of their own contract rules or by the law from my understanding of it. My mortgage is do on the first like everyone else is. but from the XXXX till the day I pay it, my wife and I get calls asking why we have n't paid yet, threats to take us to court to collect the payment and this is all before the XXXX before it is even late. We have never been 30 days late. The one time they argue we where was a XXXX up in their processing system and we where told they fixed it and noted on our account that it was their fault, but every month we still here how we where late and it our fault and that there are no notes on our account. Now this month we spoke to them ( several times and now again on the XXXX ) and said we wont be able to pay till the XXXX due to my wife being hospitalized and having to pay for her meds. They told us they did n't care and that we need to call all our family and friends and borrow the money and get it to them now and that they refuse to approve of a late payment. And now today XXXX XXXX ) at XXXX we have already received another call asking us where the money is and why the payment has n't been made. Now im not a rocket scientist, but when you call the night before and ask for money after all the banks have closed ( around XXXX ) and then call again the next morning before they open, where am I suppose to get this money from in the middle of the night. These people act more like loan sharks or the mob more than they do a mortgage company. My wife and I have had to put up with this behavior for almost a year now and are looking into refi with any other company that we can get in with, even if the rate is higher, just to get away from this kind of behavior. These people will lie and cheat you and do n't care about you or your family. They have also asked me what days I get paid, how much my check is, am I an XXXX and how I should n't be, how I should use my beer and drug money to pay them. The bad part is I have XXXX XXXX and XXXX make it worse and I have n't drank in 10+ years. But these people have told us ( with no prof XXXX way or the other ) that they fully believe we spending or mortgage on drugs and alcohol. The amount of pure crazy slander that comes out their mouths, is staggering. These people are nasty and mean and will say whatever they want. They do n't care what legal they only care what gets them their money.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

Sent dispute to Equifax on XX/XX/XXXX re : XXXX credit card account XXXX to verify date of first delinquency. Received response XX/XX/XXXX stating company verified date of last activity was correct. Recent correspondence directly from XXXX XXXX verifies account was closed ( due to original delinquency and nonpayment ) XX/XX/XXXX ( see associated CFPB complaint # XXXX XXXX. Account is still reporting, which exceeds the XXXX year reporting period for negative accounts.
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC (GA)

I recently began getting my wages garnished by Calvary Portfolio Services who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

LoanCare sends me letters stating that my insurance has expired, and that I am not covered for windstorm damage. I live in a condominium apartment, and the insurance policy of the condominium association has never lapsed. I have mailed LoanCare and faxed LoanCare copies of the insurance policy. They continue to threaten me that they will bill me for coverage. 
They also tell me that my escrow account is depleted because of increased taxes. XXXX apartments are taxed at a lower rate than free-standing homes.
Consumer complaint received 2017-01-10
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc (LA)

I checked my credit reports and I notice an account in collections for a payday loan I have no knowledge of. I 'd like to exercise my rights and have this fraudulent activity removed especially if Ad Astra Recovery ca n't produce an ORIGINAL SIGNED CONTRACT BY MYSELF.