davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/2016 while at work at American Express I received a text message in reference to my American Express Serve Account stating my account had a low balance. I immediately called to check my account and was informed of many fraudulent transactions. I filed a dispute with American Express Fraud Department. My account was issued a temp credit for a partial amount of the amount disputed. A few days later I was informed that my disputed had been denied, American Express Fraud Department claimed that all the disputed transactions were authorized because they were PIN based. I informed them that the transactions happened in XXXX, AZ on days and at times that I was on the clock with American Express in XXXX, AZ. I provided prof from American Express payroll department to American Express Fraud Department and still they refused to resolve my dispute. American Express Fraud Department mailed me a letter stating the temporary credit issued was now final to use the money without concern, but the temporary credit that they were referring to was less the half of the disputed amount. I immediately called American Express Fraud Department and was told that part of the claim was approved and part of the claim was denied. I requested for the claim to be opened again and a few days letter they informed me that now the entire claim was denied. I have requested documents from American Express in reference to research done by American Express showing cause for the denial of the dispute and American Express refused to provide those documents.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unable to get an apartment because I have a similar name as another person. When I tried to get another apartment, I was denied and the apartment complex were unable to give me any information pertaining to the eviction. My hands are tied and I am trying to move next year. XXXX XXXX is a married name for me and my birth date does n't match the records.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Hello, I am writing to dispute information on my consumer reporting file. I have been a victim of identity theft and believe there is false information on my file. 

Specifically, I have been living abroad for 3 years and I learned that while I was abroad my identity was used by a third party, potentially family member, who had my information and was aware that I was out of the country. 

Please remove all records for the past 3 years as they are not valid nor a result of my actions. I have not utilized a XXXX account during my time XXXX, thus any records for this time period are likely from fraudulently opened accounts. 

Attached is a relevant IC3 report for your reference.
Consumer complaint received 2015-09-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Northland Group Inc (NE)

Party in error : XXXX 's - Creditor XXXX Located in : XXXX XXXX MallAddress : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXPhone : ( XXXX ) XXXXCollection Agency involved : XXXX GroupXXXX XXXX, XXXX XXXX : ( XXXX ) XXXXCase Reference number XXXXExplanation : I applied for the XXXX 's credit card, that this charge involves, in approximately XXXX of 2013, at the XXXX 's XXXX XXXX, XXXX store, at time of purchase The charge was for approximately 200 $ I applied for the credit card with the intention of building some credit as my credit history is blanko I have always paid for purchases and cleared up any and all debts with cash I was denied for the XXXX 's credit card at time of purchase because I had no credit history I paid for the purchase with cash I have not ever received a bill, credit card, notification or other indication that I had ever been approved for the card application After one full and entire year passed, after not having received a single bill or notification from the department store, I started to receive collection agency notices from the Northland Group for this charge I provided the following address with my application and since receiving the collections notice have been in contact with a billing specialist at XXXX 's to determine that they do have the correct contact information for my billing and home addresses ( address omitted here per instructions ) According to the billing specialist from XXXX the current charges include a year 's worth of late charges added to the account for delinquent payment on the account Because of the mix-up at the store level when the debt was paid in full with cash and my credit application was applied for and denied the company has not processed the cancellation of the credit application properly and continues to try to bill me and collect a debt which does not exist This billing and credit application error has destroyed my credit rating because it is the only item on my credit history. 
Other than this error in credit application cancellation, for a debt that was paid after the credit application was denied, I have nothing on my credit history. 
I do not even have a XXXX 's credit card number or any other reference for this case and charges as the credit line and card were never issued or mailed
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax incorrectly reports XXXX of my revolving lines of credit as being 'open ', despite the fact that it was written off for profit/loss years ago. This results in a 99 % utilization rate of my 'available credit '. Of course, if this information was correct, I 'd be able to go use this card and charge the remaining {$150.00} to reach 100 % utilization. Obviously the card is not 'open ' -- it is closed, with an unpaid balance. Hence, there is no " utilization '' factor. There is simply an unpaid debt. 

I have disputed this at least twice, resulting in no changes both times. The errant 'unknowns ' for payment history were not even changed to 'CO '. 

I attached the Equifax & XXXX credit report & you can note the differences.
Consumer complaint received 2017-02-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

I 'm a XXXX in the XXXX, XXXX, Georgia market. I interact with a large number of real estate agents and their companies. I 'm facing unscrupulous and illegal competition in this market by Home Star Mortgage Corporation. Home Star 's entire marketing strategy is based on illegal referrals thru their contracts with realtors on XXXX and in paying rents to brokers which are n't based on market rents and are inflated to illegally benefit the broker. In particular, their rental arrangement with XXXX in XXXX Ga. and in XXXX Ga. should be looked into. 

Homestar 's system of reimbursing the realtors or in paying XXXX bills directly for the realtor in exchange for referrals is an illegal kick back and pay to play system that has greatly affected our market, and allowed HomeStar to manipulate the market to their advantage, while reputable lenders such as myself who will not violate the rules are left to compete against an unfair business practice.
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CLX Systems/ Westwood Management (GA)

I received a call from a gentleman regarding an outstanding debt to my place of employment. After I explicitly informed him of why the debt was outstanding and disconnected, I received yet another call to my employer 's line. Only this time it was a recording and has been occurring on an ongoing basis for several weeks. Calls have also been placed to my mobile device ; however, I have been able to block them successfully.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a consumer credit card with Kohls.com and buy products from them and pay off the card. When a product does not work, does n't fit for example, they will not issue a credit on the card. They issue a merchandise credit that requires buying more to get the value back. 

I do n't like it. And especially in this last case, I ordered women 's shoes size XXXX, they did n't fit, and there was no paperwork to return them, XXXX paperwork. I called. They were not helpful, said they did n't have to provide paperwork. Drive XXXX miles to return them at store, they issued a card for purchasing from Kohls to compensate. I ordered size XXXX and waited, what came was men 's size XXXX, and while my name and address were on outside box, paperwork in the box showed it was a sales to another customer, in XXXX ( I am in XXXX ). Their error, not mine. And I communicated, and then after Kohls told me it would be picked up I have received two messages via email asking me to take it to the store XXXX miles away. I told them they can pick them up if they want them, and I do not accept charges for the order that I did not place for size XXXX men 's shoes.
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XXXX/XXXX/XXXX I applied for a credit line increase on my Capital One card. I received a letter from Capital One that states they are unable to increase my credit line right now due to my credit score. On the disclosure it states that my credit score was pulled on XXXX/XXXX/XXXX which is more than 90 days ago. I called in and spoke with a customer service representative who told me that if that was n't my score I needed to dispute it with XXXX. I explained to the customer service rep ( XXXX ) that I am aware through prior conversations that Capital One only does soft inquiries every 45-60 days or so, but it takes some time for it to populate to the credit line increase system. I was looking to find out when the next set of scores were going to populate as my Capital One Credit Tracker service has shown since XXXX my credit score has gone up allot and I believe based on my current credit scores that I would qualify for an increase. He told me that my billing cycle is every month on the XXXX. At this point, he clearly did not understand what I was asking so I asked to speak to a manager ( XXXX ID # XXXX ) who I explained the same thing to. He told me that on the letter there is a number for Equifax that I can call to dispute my credit score at. I again stated " Your letter says CAPITAL ONE obtained my fico score on XXXX/XXXX/XXXX that was more than 90 days before I applied for the increase, I already have a copy of my updated score and it has gone up significantly, I would like to know on what day your system is going to update '' he responded that it depended on my dispute. At this point I was frustrated with his lack of knowledge, being a manager and not knowing basic Capital One policies is unacceptable to me as a client. It really does n't give me comfort knowing that a manager at capital one doesnt understand what I am asking or have any idea what I am talking about.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (MI)

I was an XXXX XXXX grad of XXXX XXXX, Michigan and recently was informed of the CFPB 40 % reduction deal for students with Genesis loans. I was told the reductions would be automatically applied to my accounts. After a few months with no reduction, I called Genesis and was told that the government decided which loans were to receive the reduction and apparently my loan was not XXXX of them. Is this the case?
Consumer complaint received 2015-04-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (TX)

I paid the XXXX XXXX for a payday loan they said they I owed. XXXX months later they keep calling me along with Midwest Recovery Systems for the same loan.Neither company can tell me who the loan was originally through or provide proof that the loan is mine. I do not recall ever having a payday loan with the company listed on my credit via Midwest Recovery ( XXXX XXXX ). 

I have already paid XXXX XXXX for this loan and have still been receiving harassing calls where the company representative is yelling and threatening me via phone.
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I submitted a mortgage payment with an additional payment for principal. My payment coupon clearly stated where the payment should be applied. The mortgage company applied this additional payment toward property inspections fees they are saying I owe. I spoke to the mortgage company and they stated they would apply the additional payment to the principal but, they have failed to so.
Consumer complaint received 2015-04-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them. 
I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way. 
After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. 
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. 
I am submitting the payment history and a copy of the contract. 
Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill. 
I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month. 
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. 
Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft in XX/XX/2015. Someone opened XXXX new phone lines and purchased XXXX iPhones and there was an attempt to purchase XXXX additional lines at another retail store but the clerk did not fall for the fake ID. I disputed the inquiries and accounts and placed a security alert. Both companies involved investigated and it was determined that someone had used my identity to make the purchases. I received letters from both companies and forwarded them to the credit reporting agencies and I believed everything had been removed. Recently I realized that XXXX XXXX XXXX is still reporting a hard inquiry on Equifax. I again disputed this and received a notice from Equifax that this was investigated and determined to be factual. I have a letter from XXXX XXXX XXXX specifically stating that it was determined that there was fraud and that XXXX XXXX XXXX had also notified all three agencies to remove any negative information from my credit report. I do n't understand the investigative process ... ... ..I am forwarding the letter from XXXX XXXX again to Equifax as I do n't know what else to do. I wonder if they even investigate at all. This all happened over a year ago and I am still having to deal with this.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (IL)

I recently switched bank accounts to PNC and started using it as my primary checking account. My mortgage is also with PNC so XXXX of the first things I did is pay my mortgage bill using the bank 's bill payment service. Since I did not have the payment address, I called to get the address from PNC and then sent a payment to that address. That payment never posted to my mortgage account. Not wanting it to be late, I sent a duplicate payment ... I 'm not sure if that payment has posted yet. Now I have XXXX outstanding payments and am out of nearly {$3000.00} that I need to pay other bills due to the duplicate payment. When I sent a message to customer service from the website, I got a response that was addressed to another customer and said I do n't have a checking account at all with the bank so they ca n't help me!!! This is alarming. I do n't know what 's going on. Please help.
Consumer complaint received 2015-04-10
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (VA)

In XX/XX/XXXX, I assumed ( through the VA Loan Assumption process ) the current loan. Just prior to the loan assumption process being complete, the previous owner filed for bankruptcy. Once the loan assumption process was complete, it was understood that the bankruptcy filing would not have an effect on me and would be removed from the loan due to the fact the previous owner who filed for bankruptcy was no longer on the loan nor listed on the deed. My attorney and I ( I have had to hire an attorney to try to resolve this issue ) have been in contact with the mortgage company since XX/XX/XXXX requesting that the bankruptcy status and any affiliation of such be removed as the mortgage company is/was reflecting my mortgage loan account as being in an active bankruptcy status as I have never filed for bankruptcy or ever been affiliated with any actions. The mortgage company has continuously given us the runaround, provided inaccurate information and this issue continues to go unresolved. 
To explain the attached documents is as follows : Attached documents reflect bankruptcy filing of previous owner, ongoing response reply finally in XX/XX/XXXX then followed on in XX/XX/XXXX stating that they agreed and confirmed I was not included in the bankruptcy filing and that my account would be removed from the active bankruptcy status effective XX/XX/XXXX. Upon follow-up to confirm this was removed on XX/XX/XXXX it was noted that my account was still listed in an active bankruptcy status and that no one was advised to remove this status from my account. On XX/XX/XXXX my attorney and I left a voicemail message to XXXX XXXX XXXX of Wells Fargo Customer Care and Recovery Group, advising her of the ongoing issue still requiring resolve and requesting her assistance and immediate feedback. The letter dated XX/XX/XXXX from my attorney was spawned in connection to the continued inaccurate information and lack of proper account update. On XX/XX/XXXX, Wells Fargo then mailed the attached letter which specified I was discharged from personal liability for this mortgage loan and that my loan was in default, stating I needed to bring the loan current with further language of we can not delay potential legal action, which may include foreclosure, and although you will not be personal liable for the debt, you will lose interest and rights to the property. This letter was inaccurate and quite displeasing to receive as my account was current, never late and the inaccuracies listed within the letter were abounded.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (TX)

I live in TX and according to my research ( XXXX ) collectors have up to 4 years to contact me about a debt. XXXX XXXX XXXX XXXX is contacting me about a debt that was charged off in approximatley 2003. And Dynamic Recovery Solutions is also contacting me about a debt that was charged off approximately 2003. 
I believe these tactics are very decptive and I wish them to stop.
Consumer complaint received 2016-04-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (DE)

I have several casino withdrawals from my account. As you can see in the attached statement, XXXX transactions for {$50.00} I was charged a {$35.00} fee for saying they 're fees for transactions received. 
Then XXXX {$50.00} item after that says NSF returned item fee for XXXX. So since the first XXXX said fees for items received, I concluded they were paid and I was just charged. Now these XXXX items are posting as retry payments when it was n't clear they were returned like the XXXX one stated. Wells Fargo also does n't show the balance with each transaction so you ca n't tell if your balance is negative or not, giving you the chance to deposit money to cover the balance. You also do n't know items were returned until the next day when you get notice. Again if the balance showed online, you would be able to see the balance was negative. The only thing they do is offer their services for overdraft protection, of course a sales tactic. I believe all of these banks count on the fees they can gouge from our accounts and they do n't work with their clients. Everyone I know in this world is struggling with this economy and we, the middle and lower class get screwed by banks with these fee gouging and lack of communication. Wells Fargo has the worst online site and their customer service is the worst. All they do is quote policy and do n't answer specific questions you ask. I have direct deposit every two weeks and manual deposits on the weeks in between the direct deposits so Wells Fargo knows money will be in my account. I also enjoy online casino gambling so money is deposited from this as well. They can see how much money goes in and out of my account. Even when I contact them through their online site to advise a deposit is going in the next day, they still say they ca n't help and I have to call. Everyone uses email as means of communication these days with our busy work schedules so why do they force you to call? Sorry, got off track of the issue. Not knowing these items were returned and going to be retried have caused problems with my balance available and will effect everything else coming in. Someone in this country must address these bank issues as they are killing our accounts with their outrageous fees. The items I 'm talking about are the recent items but it copied a whole statement.