davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CO)

Hello I wanted to filed a complaint Against Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, wa, XXXX. I wanted to start off to say that this was not the original creditor of my debt. In XXXXXX/XX/XXXXthis debt went into collections. I hired a credit repair company and the debt of {$1000.00} came off my credit because of inaccuracies in regards to the debts amount being inaccurate. In XX/XX/XXXXConvergent outsourcing buys the debt and starts to send me letters in regards to the debt. I told them verbally that the amount of the debt they are asking is incorrect. I only made 1 verbal contact with the company. Last year Convergent outsourcing started to report the debt to my credit. There are two problems here # 1. Convergent outsourcing started to re-report the old debt with the incorrect balance. # 2 in efforts to collect this debt they also reported a bogus delinquency date to make it look as though this debt was new. I disputed and disputed and they are still making claims that this debt is valid. When I asked for them to provide paperwork on the debt showing that I owed {$1000.00} they sent me a letter with supporting documentation totaling {$150.00}. I wrote them a letter to report the correct information to my credit and still I receive no valid information. I think that Convergent outsourcing is buying old debt account and placing them on peoples credit like they are new accounts in order to allow them 7 years to collect even though they are purchasing  accounts that are 4 years old. At the time they put the debt on my credit it was 4 years old and they reported as new. Please look into this company. 

Thank you
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XXXX XXXX, XXXX Citizens One issued me a 90-Day Notice to Cure mortgage default. 
On XXXX XXXX, XXXX I sent an Error Resolution Notice Under XXXX XXXX XXXX by certified and regular mail. 
On XXXX XXXX, XXXX Citizens acknowledged receipt in the first of several acknowledgments. 
ON XXXX XXXX, XXXX Citizens states that they will request more time if they can not resolve my Error notice inquiry within 30 days and on XXXX XXXX, XXXX Citizens One sends me notification that my inquiry was sent to Office of the Chairman. 
On XXXX XXXX, XXXX Citizens applies funds to my loan account and begins a serious of payment reversals and loan activity. 
On XXXX XXXX, XXXX, despite loan activity and in non-compliance of deadline, Citizens fails to answer my XXXX XXXX, XXXX inquiry. 
Citizens demonstrates a pattern of practice of non-compliance under RESPA, that it continues this non-compliance after issuing me a 90-day notice to cure is exasperating, I implore CFPB to investigate Citizens servicing of my loan. 
On XXXX XXXX, XXXX I sent a sent a written inquiry for failing to respond and request to immediately answer.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my Transunion credit on XXXX/XXXX/2015 I found there to be 6 Derogatory items ( XXXX, XXXX XXXX, XXXX, XXXX XXXX 2 XXXX ) AND 5 Inquiries ( XXXX ) that I know nothing of. I did not apply for credit with these companies and I did not receive credit from these collections. I disputed these items with Transunion, then proceeded to contact these companies to dispute these items as well as request information on these debt through certified mail. These companies did not respond at all. It has been more than 30 days so I sent Transunion a package with copies of all my letters of dispute to these companies as well as a request to remove these items from my file. Transunion has ignored my request.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXCredit Collection ServicesXXXX XXXX XXXX, MA XXXX-XXXXAccount # XXXX do not except your offer to do business. If you attempt to force me to do business with you under threat of economic harm, then that is attempted extortion. If you attempt to force me to do business with you without any written relationship between us, then that 's fraud. If you continue your course of action, I will consider the situation a crime and act accordingly. Return this account to whoever asked you to invite me to pay whatever it is you are collecting. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (WI)

Hello. My name is XXXX. I have been trying to get a hold of Flagstar Bank since XX/XX/XXXX. They wanted Uniform Borrower Assistance forms. They received this through a fax XX/XX/XXXX. They said they received them.I have been trying to get a hold of this bank since then. I found out at that time that XXXX XXXX was the point person to get in contact with. She called three times and I called ten times trying to contact her. 

I mailed current lease agreement, 90 days bank statement with rental deposit, XX/XX/XXXX XX/XX/XXXX tax pages all, XXXX signature and date ( their form ) and hardship letter. I paid {$26.00} for next day delivery. They said they never received it. XXXX XXXX XXXX signed for it. OK they never received it. OK. Then I faxed it twice. They never received it. Why did my XXXX XXXX get the pages they asked for the day before and mind you XXXX XXXX had to give me part of my XXXX XXXX. XXXX XXXX got their faxed paper work the same day. XXXX XXXX  has nothing to do with XXXX. The only point I want to make is that I faxed at the same place, the same number and they, XXXX XXXX received all the pages they needed. Yet Flagstar did n't. Sounds fishy. 

I spoke to five people at Flagstar. All of them claimed the same thing. I needed all those documents just mentioned previously. All I want is my mortgage payment to be reduced. My mortgage is {$1200.00} and my renters pay between {$940.00} and {$960.00} a month. All I want is to break even. That 's not happening. I have been unemployed since XX/XX/XXXX. I have been looking for jobs. I 'll keep looking.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

There is a double-charge on my Bank of America checking account made in error by XXXX XXXX. XXXX admits the error, but they do n't seem to know how to resolve it nor seem to care. So I attempted 3 times to contact Bank of America to dispute this transaction, but I am put on endless hold and no associate answers the phone. Further, I stopped-in at my local Bank of America branch and they stated that all they could do was put me on the phone and that they too have not been able to reach an associate. This is unacceptable and demand resolution as this double-transaction was not authorized by myself.
Consumer complaint received 2015-04-03
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to Bank of America instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!
Consumer complaint received 2016-02-19
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Customer service/Customer relations — 
Company: MORGAN STANLEY & CO. LLC (CA)

My issue is with Morgan Stanley and an Inherited IRA. M.S. will not release my late husband 's IRA to me of which I am the sole beneficiary. The IRA in question was not originally opened at M/S ; it was opened with XXXX XXXX. XXXX was taken over several years ago by Morgan Stanley, which meant M/S also ended up as the new owner of my husband 's IRA by default. My husband passed on XXXX/XXXX/XXXX, but I did n't pursue the transfer of the IRA until approximately XXXX XXXX. 
For the past six months & although I have requested that the paperwork from the XXXX XXXX Department be sent to me and was told it would be, it never was. 
Finally on XXXX/XXXX/XXXX, a Rep. named XXXX told me what was going on. Evidently when XXXX XXXX was taken over by Morgan Stanley and my husband 's account was taken over by M/S, someone by the name of XXXX XXXX was placed on the account. XXXX admitted that M/S does n't know who XXXX XXXX is and why she was placed on the account. This account was close to XXXX dollars on XXXX XXXX, XXXX and now it 's closer to XXXX. I do n't know who XXXX XXXX is and do n't care ; I just want to be able to transfer the money to an account of my choice. M/S should n't be able to hold my fund hostage just because they ca n't figure it out. I have been told by a XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX and more recently XXXX on XXXX/XXXX/XXXX that a compliance Manager would get back to me and get this resolved. I have told that I would get a call time after time ; well to date the only thing that has happen is the value of the fund has gone down. Can you please help me? 

THE ACCT. # = XXXX
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

In XXXX 2016 I received my statement from Bank of America with a balance of {$48.00}. I scheduled payment in time for the due date for the full amount as I always pay all my credit cards are paid in full monthly. By mistake I clicked on the wrong line on bill pay and sent the money somewhere else. I have proof of this. I then received a statement from Bank of America in XXXX showing the amount was not paid. I immediately called Bank of America and explained. They told me that due to my excellent history there was no issue, all I had to do was pay the amount which I did. I received last week a notice from them saying my credit history was downgraded and my credit limit was reduced. I do n't care about the credit limit as I do not use this card very frequently but I am very angry at this action for no justifiable reason. I would like to have this corrected with the proper Credit Bureaus and cancel this credit card. Please advise how to proceed.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I have disputed an account with XXXX and the credit agency kept it on my credit. XX/XX/2016 experian sent me an email stating someone used my information to obtain a cell phone and therefore they would remove it off my credit and offer credit monitoring.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

XX/XX/XXXX I contracted four, two night stays with the courtyard marriott in XXXX. This is for a total of 20 rooms PER night. 

XX/XX/XXXX ... .the program was not selling and we released the space a minimum of 45 days prior to any of the dates. 

The credit card was charged {$23000.00} and American Express permitted the charge on a card number that was NOT PROVIDED TO THE XXXX. The card provided to the hotel was compromised and was shut off PRIOR to the charge being processed. Why would American Express permit these charges? Is this collusion between someone at the hotel or the hotel ownership and American Express? 

I have fought via American Express with the hotel, because the management is not responsive. The hotel ownership, XXXX is impossible to contact and the fine folks at XXXX Corporate are not willing to step in. 

The best part is, ALL THE ROOMS WERE RESOLD and the hotel did not experience any harm!!!!!!
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a credit card with Bank of America that I use to shop for at XXXX XXXX, and I usually make the payment to the credit card through the ATM machine that they have at the branch that I always go to which is located at XXXX, MI XXXX. On XXXX XXXX, when I send my sister to make a cash deposit at the ATM, sometimes the ATM returns cash saying certain bills were not accepted, so she ended up cancelling the whole transaction, when she got in the car to the count the cash to make sure it was the same amount she started with, we found out we were {$690.00} short. The next day we went to the branch and explained the situation, and the Manager confirmed for me that they 're ATM was out of balance and that there was {$690.00} extra in the cash they had. She gave me a number to call which is to B of A customer service department, I explained the situation, they ended up giving me a temporary credit to my checking account of {$700.00} until they investigate the situation, after going back and forth, they wanted the ATM ID # 's, so I got them that, they wanted extra information, I supplied to them everything they needed, then on XXXX XXXX of 2016, they send me a letter stating that they were not able to find the extra money and that they are withdrawing the temporary credit they had given me on XXXX XXXX. At this point, I was very upset, because going back and forth and time holding on the phone to get to speak to someone is ridiculous and come find out the solution is aggravating. They know how to take someone 's money but they want to give me the hardest time about getting my money. This is my money that the ATM did n't give me which the manager confirmed it was extra. Does the right hand not communicate with the left hand? Are they not all under XXXX name? I ended up going to brank my self on XXXX XXXX, which a Banker assisted me and she grabbed the reports from that day and confirmed with me again that there was extra money in their balance that day. She called customer service and explained the situation, they opened the case again, they did take the credit out of my account, but they said they are investigating again. I have not heard anything and not seen the money. Please help because this is stealing from my money.
Consumer complaint received 2015-11-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Cornerstone Home Lending Inc. (WA)

I contacted a mortgage broker XXXX XXXX XXXX # XXXX at Cornerstone home lending in XXXX WA about setting up an appointment for going over the different types of loans that are available so that i could make the determination whether i wanted to buy a house or build a house USDA vs conventional or FHA. That 's when XXXX XXXX replied saying that it would be no problem, so we set up an appointment for XXXX/XXXX/15. He added that we needed to fill out an " online questioner '' which was on his web page under prequalify for a loan. Within minutes, I was notified by a credit reporting agency that he pull a hard credit report. I contacted XXXX and asked him why he did a credit check without asking me and he stated that I asked him to run a credit check and told me congratulations that I was prequalified for the home loan. I never asked XXXX to do a credit check. All I wanted was a consultation to find what type of loan would work the best for me, which was originally stated in the the first email. I originally meet XXXX at low income FHA seminar that was hosted by XXXX So now I 'm concerned that if I want to refinance in the near future that this could effect my interest rates.
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This company XXXX XXXX XXXX called and left a automated voicemail on my machine they say someone has filed a complaint against me call to find out who it is. I call they say Bank of America is going to sue me. And I have to pay this debt. I say I have not had a bank of america card in 30 years. They say they will subpeona me and have a nice day. Please look into this. They call from XXXX number XXXX and XXXX both call back numbers left the same reference number. The scary thing is they have my social security number and current employer. You have to do something to stop these crooks. They violated all kinds of FDCPA
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Discovery Systems, LLC (FL)

Debt collector repetitively called me to pay an amount my ex husband owed at XXXX which he got when he was still not married to me. he opened an account at XX/XX/XXXX and got tv, XXXX etc before we got married and now the collector is convincing me that i should pay it too since my ex husband is not making his payments. we 've been divorced since XX/XX/XXXX and the collector started calling me XX/XX/XXXX. He wanted me to pay at least half of what my ex-husband currently owe XXXX which is XXXX. I have my own account at bestbuy and excelent with my history of payment.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MI)

We were charged interest and fees in the amount of {$46.00} in XXXX 2015, because American Express stated they did not receive our scheduled electronic payment. Upon further investigation with our bank, XXXX, it was discovered that indeed they were paid the full balance on the scheduled due date of XXXX XXXX, 2015. I contacted American Express ( XXXX ) and spoke with a customer service supervisor, XXXX, who refused to credit our account because I did not contact her earlier, they have a XXXX month time frame.
Consumer complaint received 2017-01-28
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (NJ)

My daughter gave me a Mastercard Debit Card ( it was either for XXXX XXXX XXXX ( XX/XX/XXXX or XXXX in XX/XX/XXXX ). I carefully put it away until I took my grandson out to lunch for his XXXX. Birthday on XX/XX/XXXX. The waitress said the card would not register the {$25.00}. I called Mastercard only to find out that US Bank National Association had retrieved all of the {$25.00}. They directed me to read the find print on the back of the card. In the fine print on the card it said that if it was n't used in 12 months they would deduct {$2.00} a month after 12 consecutive months of inactivity. The card read-valid through XX/XX/XXXX. There had not been 12 consecutive months of inactivity. Even if I received it in XX/XX/XXXX, I was using it in XX/XX/XXXX which would mean only 8 months of inactivity. I could not get them to answer why the money was taken out before the 12 months were up. I wrote a letter to Mastercard at XXXX, NY XXXX on XX/XX/XXXX asking them for an explanation as to why there was no money left on the card The letter was sent back unopened on XX/XX/XXXX. I know this must be a petty thing but it was embarassing and {$25.00} would have gone a long way in helping pay that bill. Plus the fact that they never answered my question about why the money was gone before the 12 months were even begun. This seems like a scam to me.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Using my personal information he had access to behind my back, former friend, XXXX XXXX XXXX, added me as an authorized user to his Capital One Mastercard acct ( # XXXX XXXX XXXX XXXX ) without my consent and approval. 

He recently became late on his payments and I only became aware of the delinquency because I had a dramatic drop in my credit score caused by XXXX XXXX adding me as an authorized user to his acct without my knowledge. 

I explained all this to Capital One and they removed me as an authorized user but said they could do nothing to clear my credit report from this reported delinquency. XXXX said they could remove this entry if I filed this report with you, and that's why I am doing this now.