davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

This happens every year. When I try to get my annual credit report, I have no problem with XXXX or XXXX. But Equifax arbitrarily denies access to my credit report claiming " security. '' They then set forth a long list of documents that I have to provide by mail to get my report. I think they are doing this to avoid having to provide a report. You should investigate their practices with respect to this.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (AZ)

I informed this collection agency that I have been paying the original creditor and find it unnecessary that this account went to them. I also informed them that I will continue to pay the original creditor until the account is paid in full. They said they would continue to call and they have. I find this as a former of harassment since I informed them if my situation.
Consumer complaint received 2015-04-21
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Cawthorn, Deskevich & Gavin, P.c. (VA)

I called to pay off a judgment with Cawthorn, Deskevich & Gavin from a hospital bill. When I made a settlement amount and paid the same day, I was told that the judgment satisfaction would be sent to the courthouse within 15 days. I asked for a copy of the receipt as well and was told it would be mailed to my home address. I did receive a copy of a written receipt but never received the satisfied copy of the judgment and neither has the courthouse. I called several times to be told that the attorneys only have one original copy of the satisfied judgment and it is sent to the court house, again the court house has not received this satisfaction as of yet. The clerk at the civil court said they would accept a faxed copy from the attorneys office, so I call and again I am told that a faxed copy could not be sent to the court because they did not keep a copy of the satisfied judgment once they are sent off to the courthouse. I called their client, the hospital they represent, and was told from the rep in the billing dept that I should have been sent a copy of the satisfied judgment. So I call the attorneys office once again to tell them what their client ( hospital billing dept. ) has relayed to me, then I am finally told that another copy could be signed by the attorney and sent to the court house via fax and mail being the court house never received their 1st copy sent, and that I would be sent a mailed copy only, as I asked if a faxed copy could be sent to me so I could have it recorded at the county courthouse. I was told the judgment was mailed on 2 different days, I waited, called the court house everyday to be told it has not been received. How can these law firms get away with such lies. The same person answers the phone each time I call and its always a different answer from her to the same questions I ask. I was suppose to close on my home on XXXX XXXX, my bill was paid with the attorneys office on XXXX XXXX 2015. They never sent the letter of satisfaction to me or the court clerks office. I still do n't have a copy of the satisfaction and it now XXXX XXXX 2015. I 've called the XXXX house every day for week as I was told that the satisfied judgment was mailed last Monday XXXX XXXX, and as I kept calling back with questions and pleas to have the document faxed to the court, I was told it was then mailed on Tuesday XXXX XXXX. I do n't know what to believe any more, I just want my paid judgment of satisfaction to be faxed and mailed to the civil court as well as my home address so it can be reflected as paid at the XXXX house and I can move on from this situation. Thank you.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

Hello, I am a consumer of the Macy 's American Express Credit Card. I had a zero balance on my credit card. In XX/XX/XXXX2015, there was a purchase that was made at XXXX XXXX XXXX restaurant. This purchase I inadvertently used my Macy 's American Express Credit card. I did not remember that I used this card. On XXXX XXXX, I go into my e-mail and there is a bill with a late fee. I then logged into my account, and began reviewing statements. I then see the charge was from an XXXX XXXX purchase. I immediately contacted customer service. The customer service department was not only rude they were not helpful. 


I had over {$180.00} in late charges for this {$35.00} purchase. I asked customer service, why did n't I receive a telephone call after the first month of not receiving a payment. In addition, this is not the norm for my account because I have paid this bill completely off. Customer Service explained, that because I was signed up for bill pay, which is why I did not receive a call. This account as also reported late to the credit bureaus. I did not receive the e-mail for the bill. I understand that does not negate that I have a balance owed, however it would seem customer service would have contacted me regarding payment. There was no regard for me as a long time consumer of this account, with an excellent payment history. I was told there was nothing I can do regarding this account.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint is about maintenance fee being charged on checking account by Bank of America. Recently, since last 2 months or so, BOA changed how to charge maintenance fee. Checking account information clearly mentions that a monthly fee will be charged for checking account if average monthly balance is less than {$1500.00}. However, since last 2 months, BOA has started charging monthly fee when bank balance is less than {$1500.00} even for one day and your monthly average balance is more than {$1500.00}. When you complain, they will give you credit but have not changed their method/algorithm to calculate monthly fee.
Consumer complaint received 2016-11-09
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Risecredit, LLC (CA)

I had a balance of {$100.00} and I refinanced my loan. I noticed on the receipt it was showing a negative balance of XXXX. I called thwn and asked why it was showing a negative balance and the rep said it was a glitch in their computer system. When I refinanced they gave me the new loan minus the existing balance of {$100.00}. I paid my loan off in full on XX/XX/2016. I recieved comformation my loan was paid off and then on XX/XX/2016 they said I owed XXXX due to a " returned payment '' on XX/XX/<YYYY> That was the day I refinanced, so the returned payment was From the glitch of the XXXX that was showing on their system. I spoke to my bank and they said there was never a returned payment and this company was definitely paid. In addition, my bank provided me with trace numbers for all previous transactions. I have called this company everyday since XX/XX/2016 and today in XX/XX/2016 it is still showing I owe this money with additional interest, of course. When I talk to the supervisor just gives a carefully scripted response that it is " under review '' despite the fact that I have provided them with all pertinent information. Im at a loss of what else to do bc it is impacting my credit because it is showing I have an outstanding balance of over {$1000.00}
Consumer complaint received 2018-07-21
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (CA)

NATIONSTAR ( AS AN ALLEGED MASTER SERVICER OF A REMIC TRUST AND ALLEGED ATTORNEY IN FACT OF THE SAME REMIC TRUST ) CONTINUALLY ATTEMPTS TO COLLECT AN ALLEGED DEFAULTED DEBT ON BEHALF OF ( AS AGENT ) XXXX XXXX XXXX XXXX XXXX XXXX, AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX IS NAMED ON ALL COUNTY RECORDED DOCUMENTS, AS THE TRUSTEE OF AN UNKNOWN REMIC TRUST. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE XXXX XXXX HIERARCHY ( FDIC AND NIC ) AS A LAWFUL ENTITY OR AN ASSOCIATE OF THE XXXX XXXX FAMILY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE CALIFORNIA SECRETARY OF STATE REGISTRY AS A BONA FIDE LAWFUL ENTITY. 

XXXX XXXX XXXX XXXX XXXX XXXX DOESN'T APPEAR ON THE " SEC REGISTRY '' AS A BONA FIDE TRUSTEE OF ANY REGISTERED REMIC TRUST. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN AGENT FOR THIS " LEGAL FICTION '' AND PREVENTED US ( BY DISPARAGEMENT AND/OR SLANDER OF TITLE ) FROM SELLING THE PROPERTY IN QUESTION AND PAYING THE LAWFUL CREDITOR ( UNKNOWN AT THIS TIME ) TO DISCHARGE THE ALLEGED OBLIGATION BALANCE AND MOVE FORWARD WITH OUR LIVES. 

NATIONSTAR FOR THE LAST 2 YEARS HAS REPRESENTED ITSELF AS AN ATTORNEY IN FACT FOR THE " LEGAL FICTION '', AS TRUSTEE OF AN UNKNOWN REMIC TRUST. 

NATIONSTAR USED THE " FALSE '' PERSON RELATIONSHIP TO SUBSTITUTE IN A NEW DEED OF TRUST " TRUSTEE '' ( XXXX XXXX XXXX ) TO FACILITATE A FALSE FORECLOSURE ACTION AGAINST THE SUBJECT PROPERTY. 

THE REMIC TRUST FOR THE LAST 2 YEARS HAS BEEN IDENTIFIED ( COUNTRY RECORDER, MERS WEBPAGE, RECORDED DOC 'S ) AS THE " MORTGAGE ASSET BACKED PASS-THROUGH CERTIFICATES, SERIES XXXX XXXX '' THIS IS THE TITLE OF THE SECURITIES ( I.E. THE BRAND ), NOT THE NAME OF A BONA FIDE REMIC TRUST ENTITY ( PERSON ). 

THIS IS LIKE IDENTIFYING " XXXX XXXX '' AS AN OWNER/HOLDER OF DEBT AS OPPOSED TO " XXXX ''. THE ONLY DIFFERENCE IS THAT " XXXX XXXX '' IS A BONA FIDE BRAND OF " XXXX ''.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I informed Equifax on or about XX/XX/2018 of unauthorized inquiries existing on my credit report and requested that they investigate and provide me with evidence of " permissible purpose '' of the items being disputed and that if evidence of " permissible purpose '' was not available, then they should delete the items from my credit report.. Equifax responded on or about XX/XX/2018 and informed me that the inquiries were a part of the " factual record '' and that they would remain on my credit report despite their inability to provide me with evidence of " permissible purpose ''.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp. (TX)

I received an email from a man called XXXX XXXX who works for a debt collection company called True Accord. True Accord is located at XXXX XXXX XXXX, CA XXXX. 
The message claimed that I had purchased a product called XXXX from a company called XXXX XXXX, a skincare company. 
I had no knowledge of XXXX or the product. ON searching the internet I found out that XXXX XXXX is a skin care company. I also discovered that the product I was supposed to have bought was a supplement designed to build muscles! 

I absolutely refute that I purchased any product and especially XXXX called XXXX In XXXX years I have never failed to pay a debt and I have always paid on time. I am puzzled as to how XXXX XXXX came by my information and how it convinced True Accord that I owed them a debt.
Consumer complaint received 2016-02-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America received funds from insurance payouts and never notified us. They held the funds for 4 years and hired contractors who did work on our property. No one ever verified the work was done and it was negligent causing more damage to the property. The contractor who did the work went as far as to cover the hole in the side of the house with out making necessary repairs to preserve the property. We are unable to go after the contractors because we did not have a contract with them. Had we been notified of the funds being received we could have made the repairs ourselves and been back in our home 4 1/2 years ago. Bank of America knowingly withheld funds intended for repairs and they call it a miscommunication. We have tried working with the states attorney and they have been unable to get a resolution. Bank of America continues to dodge questions and avoid responsibility.
Consumer complaint received 2016-05-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (OH)

I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep, that 's a problem, good luck with that. '' I did n't press further as I was willing to overlook this as a singular, one-off problem. However, about 18 months later, the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition, the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally, just a few months before the lease expired, I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again, but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections, but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently applied for a credit card with Capital One and was denied on XX/XX/18. I received a letter stating that I was denied due to pending legal action being taken against me. I called Capital One and spoke to a rep in the customer service who said that they had no knowledge of any case against me and said they would send a request for re-approval. No one returned my requests and I have just been denied the card with no further explanation. It is against Federal Law for a financial institution to deny a credit card application and not provide a valid reason and a means to dispute the information if there is adverse action taken against a consumer. Additionally, the correspondence from Capital One does not include required information, such as credit score and how such information is used. Furthermore, it is against the FDCPA for a bank or debt collector to threaten to take legal action if they have no intention of doing so.
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

Rabobank NA is hassling me when I call in for help with online banking. 

Today is called my local branch to reset my password was told some very simplistic thing then called the other numbers. Despite trying to reset online and asking for online support I went back home and tried calling again. 

I just get attitude from them. They wo n't help. The girl at me local branch snapped at me. This is some who has been helpful in the past and is suddenly aggressive, not listening, seems very passive aggressive, she is telling me to not raise my voice and they refuse to help me. 

She even said I would n't be able to resolve it at my local branch in XXXX XXXX, CA either. I feel like I wasted my entire morning on these people who are just rude from the get go. They do n't appreciate people and seem to be waiting to set you up with lots of inappropriate questions. The are apprised of account activity and yet I 'm waiting for some help. 

This is very unprofessional and I want to file official complaint.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Opened a Visa account with B of A XX/XX/2007 and have had impeccable credit history with them since. In XX/XX/XXXX with no reason or forewarning they closed the XXXX credit limit with a {$9700.00} balance owed which reduced my credit score to a non lendable status/ score for a current loan I 've been working on. They also informed all XXXX credit bureaus immediately of this closure without informing me. Complete deformation of my nine years of credit with B of A. Will attach a recent credit report as proof.
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC (OH)

They will not release claim after debt was paid in full by me for my deceased mother, XXXX DCM Services DCM Services Headquarters XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, MN XXXX Local : XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX
Consumer complaint received 2018-07-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (AP)

Hi, I started a company ( XXXX XXXX XXXX ) with the help of XXXX in late 2015. I quickly realized that the business was not sustainable due to high electric and water costs. Contacted XXXX to stop my service and mentioned I had dissolved my company because I couldnt afford to keep it running. I only had the business for one season and never sold an item. However I paid XXXX for two years of fee because I wasnt monitoring my credit card and was on a mobilization to XXXX. XXXX have repeated contact me to pay my renewal fee and I keep telling them that I dont have a business and isnt even in the states anymore. Ive PCSed to XXXX for over a year now and since they werent able to collect from me anymore, they have submitted my name to a collection agency ( Caine & Weiner ). 

Caine & Weiner XXXX XXXX XXXX. 
XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX Can you please help me? This is clearly fraudent actions. How can XXXX continue to try and charge me when I dont even have a business and have been out of the country for a while now. And how its so easy to submit anyones name to a collection agency?
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

Yesterday, XX/XX/XXXX, my son told me a friend of his sent him funds through Cash App. It is an app he is familiar with and uses all the time. He could not get the funds off the app this time and asked me to help. I couldn't figure it out so he looked up the number for Cash App and called it XXXX and spoke to XXXX XXXX. First, he was quite rude and it was hard to hear. But had us download another app that would help remove the funds to our bank account. I felt as though I was setting up something so I went along with it until I noticed the app was recording my screen so he saw my log in and password to my bank app. Now, my son still does not have his {$200.00} and another {$210.00} is coming out of my account from Cash app to a person I don't even know. I did not authorize this and there is no way to stop the transaction. I never use Cash app and my son does not have access to my account. He also does not know the person who the {$210.00} is going to. I tried calling the same number today, several times, now it says it is disconnected. There is no one to talk to at Cash app. I am filing a fraud claim with my bank, but this Cash App is definitely not a legit company.
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

During 2015, while XXXX with an XXXX, I made enough money to either pay the monthly payment on the mountain of student loans ( XXXX companies @ $ XXXX total ), or eat and pay rent. Navient ( or XXXX XXXX ) made several threatening phone calls per day indicating I should pay them instead of eat. They recorded all phone calls, but told me repeatedly that recording them myself was n't allowed. XXXX lady told me I should get another job or XXXX to make up for the $ XXXXmonth shortfall I was experiencing ( was already working XXXX50 hrs/week in addition to seeking gainful employment ). She also told me there was no income based repayment option. I thought those type of threats were illegal but did n't know how to pursue. Now that this lawsuit is being publicized, I feel that there is an avenue to pursue action against these unethical business practices. 
Another side issue that CFPB may or may not be able to help with : I 've been paying $ XXXX in interest payments per year for several years and the IRS allows {$2500.00} to be written off while filing taxes. This also seems unethical as any money that would be available to progress my consumer spending is double dipped by the government. Can you help?
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for credit line increase and I was denied because the bank told me that 's I had a previous credit card back in XX/XX/2004 and I explain to bank of Americ I did n't open this card and send me a fraud packet and I never received it and I called again and they could n't find any records that I applied for credit line increase or a credit card I feel like this is n't right nor its fault I currently have the secured credit card and I made all my payments on time and early and I do n't get rewarded for my hard work and they wont increase my credit line I explain to bank of America that my credit score is XXXX and I do n't have any outstanding debts on my credit report I want a credit line increase and they refusing to do so