davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens Bank allowed someone to cash a forged, year old stale check for over {$1000.00}. This person continued to cash stolen and forged checks until my account was wiped out. Had Citizens Bank exercised proper care, the theft would have been caught early. However, they continued to cash fraudulent checks until there was n't any money left. XXXX times the amount of the check was over {$1000.00} and six times they failed to verify the signature. I have copies of Citizens Banks own policies regarding cashing checks : they wo n't cash checks over 6 months old, and they require signature verification on checks over {$1000.00}. 
I usually only wrote a couple checks a month and my handwriting is consistent. This person would return to the same location day after day, sometimes cashing multiple high value checks ( {$500.00} and above ) at different locations on the same day, and no one at Citizens raised a concern. 
When I realized the theft and forgery had occurred, I contacted Citizens immediately. When I contacted them, I had {$15.00} in my account. I was told by Citizens that my account was frozen due to the fraud, and no money would be allowed to be charged/withdrawn. Citizens continued to let charges go through until my account was negative, and then charged me ridiculous overdraft fees. Citizens has threatened to negatively affect my credit score as well because of the negative balance. I was informed that according to their policies, I would immediately be refunded the last 30 days of fraud. That was last XXXX 2015 and I have yet to be refunded anything. 
I have repeatedly contacted Citizens Bank and demanded my money back and they are giving me the run around. I am a single mother and I worked hard for my money. They allowed over XXXX obviously forged checks to be cashed on my account and wo n't take responsibility for failing to follow their own internal procedures and provide a reasonable protection of my money.
Consumer complaint received 2016-09-15
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (OR)

I filed a complaint regarding wells fargos mishandling of my HSA account and their response to it was a judgment from 2015 for the same issue that was already resolved. I have now missed 3 days worth of work to try to get this resolved and due to Wells Fargos lack of attention to detail, nothing has been resolved. Their response is a horrible example of how they treat their customers and handle their accounts. I have included my pay stub reflecting 2 days of missed work that I am now in further financial hardship because of this and also the ridiculous response from 2015 's judgment that has already been resolved. I have to now go to court on the XXXX of XXXX to resolve this issue that should not have even happened had wells fargo paid attention and handled my account with the fiduciary responsibility they are supposed to
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

I initiated this dispute with XXXX on XXXX/XXXX/15 after business hours. The very next morning, I received a notification from another credit bureau that I pay a fee to monitor my credit report that every account I disputed ( with the exception of XXXX had be updated ). I find it hard to believe Equifax was able to " verify '' the validity of those accounts in less than XXXX hours. In addition, they waited until the end of the XXXX day period to advise the information was factual and would remain. There is a clear issue of ethics and integrity with this credit reporting bureau. They are not actually verifying items, they are simple identifying them as valid. They have an obligation to verify and report accurate information.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (WV)

I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Consumer complaint received 2015-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Navient Solutions, LLC. (TX)

A representative of Municipal Services Bureau called me saying that I owed $ 1,000+ for unpaid traffic tickets and that a warrant had been issued for my arrest. When I explained that I have no unpaid traffic tickets and that in fact had not received a ticket in 8 yrs ( which had been paid off ), I was told that I still owed them money unless I provided proof of having paid off the ticket. At this point I terminated the conversation. 

Upon checking for outstanding warrants under my name on the internet, I found that there were none. I can only guess that the representatives are told to say this in effort to extort money from people. I have a feeling that what they are doing is illegal but I am not positive.
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MD)

Dear CFPB, I had a checking account with TD bank, which seems like was overdrawn by error. I had linked my TD Bank to my XXXX credit card. By error it seems like the software submitted multiple ACH requests. 

I learned from TD bank that I was negative ~ {$200.00}, however, in less than 4-5 weeks, TD bank charged me more than {$250.00} in fees. They sent this amount to collection and closed my account. 

I am XXXX years old. I had only XXXX checking account. I am kindly requesting TD bank to please reopen my account and please remove the fees. I want to pay the overdrawn amount ASAP. Please ask the collection agency to not send this to credit agencies, otherwise it will damage my credit history. My credit score was close to XXXX, which now might have been damaged significantly. 

I will greatly any help from TD Bank. I was traveling XXXX XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX has already removed all Fees associated with these ACH debits. 

I apologize to TD Bank. 

I will greatly appreciate if you can help here. 

Thank you.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TN)

I paid my mortgage with Franklin American in full on XXXX/XXXX/2015. I have a {$3400.00} escrow balance still with them. It has been 1.5 months and they are still holding my escrow money. When I contact them they say they will mail it but to this point I have received nothing. I am concerned they will keep my {$3400.00}. I am looking for help with getting my money returned to me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Coastline Financial Resources, LLC (KY)

On XXXX/XXXX/XXXX I was contacted via phone by a XXXX XXXX with Coastline & Associates about an alleged debt that I owed to a local hospital from XXXX. XXXX XXXX said they have been trying to serve me and the sheriff was coming. My credit would be harmed. They would lean my assets and my house. Just very threatening and mean. If I agreed to pay then via credit card they would send a release to fax and reduce the claim by half ( {$500.00} ). I fell for it and gave them the credit card which was immediately charged. I called the hospital and there is no unpaid bill. XXXX XXXX found me by calling several relatives. I have tried to reach her, but there has been no response. Her supervisor is a XXXX XXXX. His email address is XXXXXXXXXXXX. The research that I have been able to pull online shows that this company is located in XXXX, CA. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2016-01-12
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I have lived in my home for over 13 years and have had a mortgage with CitiMortgage. I have gone through XXXX financial situations when I divorced and when I changed employers. The most recent issue came when I changed employers. When I changed employers my income went from {$1500.00} bi-weekly to $ 1500 monthly. I informed my mortgage company and asked for a hardship/modification. My current payments were {$1000.00}. which I had been unable to make but at the time I applied my mortgage was up to date. I was contacted by my mortgage company yesterday XXXX who informed me that I was approved and my new mortgage would be {$710.00} which was great because my take home pay is {$880.00} and I could pay a mortgage payment from XXXX check. After about 5 minutes I received another call from the mortgage company who told me that the information provided previously was an error and my payment would be {$1000.00} and I said that 's what I pay now how is that a modification? My issue is that I received a modification from this company before and my mortgage amount was almost exactly the same but I felt like I was compelled to accept it because I did n't want to lose my home because I have children. I am feeling that I am in a corner because I do n't understand why if I told them my pay has been cut in half and I need a hardship they believe its okay to give me the same payment and call it a modification. I believe that something shady is going on and I do n't know what I need to do to get to the bottom of the situation. I need a modification that will work for me and that I can afford. I want to keep my home but they really are n't giving me any options.
Consumer complaint received 2015-07-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Professional Credit Management, Inc (AR)

I have received several phone calls from a debt collector mentioned above. They state that a payday loan was taken out in XX/XX/XXXX and that the balance of this loan has not been paid off and has been sent to them for collection. I have no records of taking out any pay day loans at that time and no documentation of a due or past due loan. The representative informed me that they are trying to collect this debt and that if I do not pay the settlement through them, I be summoned to appear in court and be responsible for the full amount of the debt plus legal fees. I explained to them that since I have no recollection of taking out this payday loan, that I would require documentation specifically stating the exact loan and its current status before moving any further on this matter. I received my XXXX call on XX/XX/XXXX and have not received any documentation to this point. 
This collection agency has also started calling my family
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

Returned item fee XXXX XXXX Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item check fee XXXX  In all of these dates I called the company and they took no action except to explain why it was overdraft. when I had money in my account I would try to pay a bill and they would hold it until I didnt have enough money in my account so I could get the overdraft fee
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I received the Florida Hardest Hit assistance in XXXX XXXX and FHH paid my mortgage comany XXXX partial arrears of XXXX and my monthly mortgage for one year until XXXX XXXX. During this peroid I have been unable to work out a plan to resolve the outstanding arrears of {$8800.00}. I am now able to pay the monthly payment and resolve the arrears within one year. Bayview/XXXX failed to dismiss my foreclosure proceedings and have not moved to reschedule the hearing for XXXX XXXX. This foreclosure proceedings should have been dismissed upon receipt of funds from FHH. In sum, Bayview/XXXX have received approximately XXXX during the last year and are still moving forward with foreclosure proceedings. These actions are not consistent with the FHH program and fail to demonstrate good faith or the intent of the FHH program. In addition, I provided quarterly reports to my FHH agent detailing my inability to resolve outstanding issues with the mortgage company. Documents detailing my efforts can be provided upon request.
Consumer complaint received 2016-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (VA)

I received a student loan from " Discover Student Loans '' in XXXX 2015. I had a XXXX credit score at the time, and my Federal aid would not cover Out of State Tuition. I accepted the loan for 6-12 % fixed rate interest, sure that I would receive close to the lowest. Half way through the semester, I receive notice ( through the loan servicer, mind you ) that my interest rate would be the full 12 %, and I was forced to drop out, so that the XXXX half of the tuition bill would be refunded. Discover Bank used the most predatory loan terms possible.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

first all of the major credit reporting agencies are reporting wrong information on my reports. they are incorrectly reporting wrong personal information, wrong account information, and credit inquiries I never applied. I have disputed all of these items, have sent all required information such as driver 's license, social security card and utility bills. 
a day or XXXX later I receive the same email asking for the same identical information. I faxed the same over and over. the fax confirmation tells me the fax went through " ok ''. 
I have not been able to get my credit reports for the last 12 years because they either ask for information that I have no idea about, or they tell me I am not eligible to receive my free annual report. I had to file for bankruptcy due to i.d theft, at which time they finally let me get a free credit report. I had a fraud alert on all of my bureaus prior to the I d theft, but yet someone was able to obtain fraudulent credit in my name and I was never notified. I asked the bureaus back then about this and their response was we did n't have the correct number to call you. if this was the case then credit should have never been granted. 
these credit reporting agencies are nothing more than a criminal element govern by finance companies. these credit reporting agencies should be investigated and penalized for violating people 's rights to contract as per the " fair credit reporting act ''
Consumer complaint received 2015-09-14
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

This lender is calling me incessantly from multiple numbers multiple times a day. I told them not to draft on a day that I said I was n't going to get paid. They refused to listen and did it anyway. It caused problems in my account and I had to close it. I bank at XXXX in XXXX, california. I made other payment arrangements and they fail to note the account so they keep calling. One missed call and they are calling my references which is causing me embarasment and undue stress. I told them to stop and they say they have no control over their " corporate '' which appears to be a bunch of independent " hit men '' making numerous and harrassing calls daily. I told them I use the number they are calling as my personal and work phone and they are disrupting my business. They yell at me and do not listen to me. I told them I have rights under the fair debt protection act and they do n't listen or care. I do n't know how to stop these calls. It is causing me anxiety and undue stress and ruining my business and reputation. The calls started when I was 1 day late paying the loan off. I had tried to may new arrangements but they were not interested. Here are the numbers they made collection calls from between XXXX/XXXX/15 and XX/XX/2015:XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXX/XX/XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsI answered most of these calls but they still kept calling even though I attempted to make payment arrangements. They stopped for a while but started again XXXX days ago. I told the guy to stop calling me since this is my business line and to stop calling my references since they know I can be reached and I am available. He just yelled at me and said to pay up by Monday. 
California Check Cashing stores said they have no control over what their corporate does when I asked them to stop.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

In XXXX XXXX, we filed XXXX XXXX bankruptcy. In XXXX XXXX, we completed our bankruptcy and according to our bankruptcy documents, we were to resume our original mortgage payment of {$480.00} in XXXX XXXX to our mortgage company Bayview Loan. This amount did n't include our current escrow, so we started paying {$650.00}. In XXXX XXXX, we found out they were cashing our checks but not applying our payments to our account. They claimed we owed {$11000.00} in back escrow. After NUMEROUS phone calls and faxes, we were sent a payment history from XXXX XXXX to present. We have been in bankruptcy since XXXX, where was the rest rest of our payment history? At first, we were told that was all that was available. Then we were told they were sending it but that there was an 8 month gap between their old system and new system that they can ' t provide. So far, we have received NOTHING! Also, we were requesting an escrow analysis because according to the payment statement we did receive, on XXXX XXXX, three months before we were to complete our bankruptcy they added close to {$11000.00} to our escrow account. Bayview has made numerous promises to get us documentation, provide us with a researcher, and help us determine if we owe this money and if we do, why it was added so late in the bankruptcy so it could not be paid off. They have done nothing. They have ruined our credit report we worked so hard to clean up and are now threatening foreclosure. Also, if we still owed arrears, why did they sign off on the bankruptcy completion papers saying all arrears had been paid?