davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX North American Credit Services, XXXX XXXX XXXX XXXX, XXXX, Tennessee XXXX XXXX : Acct # XXXX, XXXX, XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, I will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$380.00}, {$100.00}, {$37.00}, {$640.00}. 
By not replying in a timely manner to my initial letter and you failed to provide me a copy WITHIN 5 DAYS. A debt collector is required to send me a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I opened a XXXX AMEX card inXX/XX/XXXX. I was told I would receive XXXX XXXX points after meeting a minimum spend requirement, which I met shortly after opening the card. I have not yet received these points. I have reached out to American Express on numerous occasions sinceXX/XX/XXXXand have been repeatedly told that the points will post " soon ''. I 'm tired of waiting. They are aware that this is a problem but are doing nothing about it.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (VA)

I sent out a dispute to Credit Control Corporation on XXXX XXXX, XXXX asking to be provided with competent evidence bearing my signature which they RECIEVED on XXXX XXXX, XXXX. 
AROUND LATE XXXX I RECIEVED A RESPONSE DATED THE SAME DAY THEY RECIEVED MY DISPUTE! 
THE LETTER claimed their client RECIEVED payment and the balance is paid in full but as of today their tradeline is still showing on my credit file. In the letter, the edp/credit report number is inaccurate/Incomplete with the one they are reporting on my credit report. 
I sent a second dispute on XXXX XXXX which they RECIEVED on XXXX XXXX, XXXX asking for A SIGNED CONTRACT WITH DISCLOSURE between their client and I, between CCC and their client, and between CCC and I. An complete Audit trail of said DEBT was requested. 
I 've also requested their operational arrangements in place to facilitate providing information and documents required to resolve disputes which I 've received no response! 
NOT ONLY IS THEY NOT RESPONDIMG BUT THEY NEVER LISTED THE ACCOUNT IN DISPUTE, AND TO THIS DAY, THEY ARE STILL REPORTING INACCURATE AND INCOMPLETE INFORMATION SUCH AS DATE OPEN, NO CLOSED DATE, ACCOUNT NUMBER, BALANCE, HIGH BALANCE, AND TERMS WHEN NO CONTRACTUAL OBLIGATIONS WAS ESTABLISHED! 
CCC, Refuses to ACKNOWLEDGE MY DISPUTE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (KS)

I deposited a check for {$7600.00} on XX/XX/XXXX to my business account at US Bank. During that visit I made sure to get the teller to confirm I filled out the check correctly, she confirmed it was fine and that I would have access to the money the next day. XX/XX/XXXX I submitted a transfer from my bank account to pay off my US Bank credit card, which was {$1200.00}. XXXX XX/XX/XXXX I noticed my bank account available balance was - {$1100.00}. I called and was told the USBank XXXX department had put a hold on the funds for an unknown reason and I would n't have access to the funds until XX/XX/XXXX. Today I stopped by the US Bank branch and talked to them, ( the teller had to clear her breakfast from her desk as I approached ) I asked if they could cancel/reverse the payment to my USBank credit card so my checking account would n't be overdrawn. I wanted to only make a minimum payment to keep the credit card account in good standing and not have a negative on my checking account. I also explained the {$7600.00} check had cleared my other account, so why had n't US Bank released the funds for my account. The teller said she did n't know if the credit card payment could be reversed, she would have to call the credit card department. She then went to talk to another teller and came back to say they would not reverse the credit card payment and they would not release the funds for my account. She said they would work with me on fees assessed instead. She never made any calls to the credit card department or anything .... But I guess she was able to get back to that breakfast sandwich.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I have taken reasonable steps that have been above and beyond the typical request that a consumer would need to make to obtain very basic information from Wells Fargo Bank N.A. 

However, the history of my CFPB complaints will show that all of my inquiries and testaments are consistent. However, it should be extremely visible to the CFPB and other regulators that Wells Fargo Bank has committed Fraud and a Breach of Contract in its duties to protect / preserve the Mortgage Note to my home. 

As a former Investor on my home loan, XXXX XXXX has been very forthcoming with its recollection of my account. Executives at XXXX XXXX have also been able to shed some light on their relationship standing on my loan, as the Trustee for XXXX XXXX. 

Wells Fargo Bank is the Bad Apple of the bunch. 

Wells Fargo has performed unlawfully and unethically in its duties to service my home loan. It does not care about its Investors or its Certificate Holders / Shareholders. 

I urge the CFPB to submit the following to the agencies that I have identified below to revoke the Servicing License for Wells Fargo : To XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX at XXXX PM Greetings, I am reporting Fraudulent Loan Servicing and Foreclosure practices by Wells Fargo Bank XXXX ID XXXX. 


My records may be reviewed online via the Consumer Financial Protection Bureau website and via recorded documents within the XXXX XXXX, PA XXXX of Common Pleas. 

The information within the resources shown above reflect massive Loan Servicing Fraud. 

Wells Fargo 's XXXX XXXX # XXXX ID XXXX should be suspended and ultimately revoked based on its fraudulent handling of my home loan. Recorded documents reflect dishonesty and securities fraud. My loan was securitized in XXXX, and Wells Fargo sold my loan again in XXXX XXXX, and then again in XXXX. 

This is worse than Wells Fargo 's opening of thousands of bank accounts without a customer 's consent. 

The actions in my case are likely to be widespread among its servicing accounts, and if it 's true, we could face similar risks to the events that occurred in XXXX that toppled the housing industry. 

Prior to reaching out to regulators, I made many earnest attempts to resolve this with my loan servicer ( Wells Fargo XXXX ID XXXX ). 

I have spoken with several managers in Wells Fargo 's Office of the President who were very uncooperative. 

I recently spoke with XXXX XXXX and XXXX XXXX -- employees in Wells Fargo 's Office of the President. 

Today, I advised XXXX XXXX a Manager in Wells Fargo 's Office of the President of these fraudulent actions, however, she was rather nasty and inconsiderate. 

I also mentioned to her that she has the responsibility to resolve my concerns promptly or to expect me to reach out to regulators and Wells Fargo shareholders. 

She did n't care! 


After reviewing the level of fraud in my case, penalties and greater enforcement against licensee # XXXX ID XXXX should be warranted. 

Thanks, XXXX XXXX
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (DE)

CitiMortgage informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to XXXX XXXX XXXX XXXX ( known as XXXX. ) I already had a payment setup with Citi to pay my mortgage which had a due date of XXXX/XXXX/XXXX. CitiMortgage cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer XXXX. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy ) contacted the upstream content server, it received an invalid response from the content server. I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that CitiMortgage cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In its last response Experian refused to adhere to FCRA requirements by failing to comply with my request for removal of 7 unauthorized inquiries. Again, I am requesting removal of all unauthorized inquiries from my credit report. 

Attached is a copy of the credit report evidencing 7 unauthorized inquiries of which I am demanding removal. The unauthorized inquiries are : XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a XXXX XXXX XXXX 2013 from XXXX XXXX dealership in XXXX ga little did I know they changed the agreement i.e. Or capital one because in the agreement it read 25 % interest as I was paying on time payments if XXXX a month I received a call about verifying my down payment and trade yes I gave them a trade a XXXX older model worth XXXX or more the XXXX was XXXX after there fees it went up XXXX or less paid it down to XXXX told them to pick it up the recalls on it got worse wind shield and sensor problems with engine light not going off ca n't get inspections!! It was a volunteer repo not a repossessed they got it listed as such incorrectly on my credit file and refuse to fix that part as well nor refinance or reduce the interest rate before I volunteered said come get it
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I live in the city of XXXX, and moved in to my house in XX/XX/XXXX.  My mortgage company, Freedom Mortgage, required me to open an escrow account to cover my real estate taxes and house insurance when we got the loan. I have never missed a payment, or been late for a payment. On XX/XX/XXXX I was served with a notice from the city that they were threatening to start a sheriff 's sale on my house due to missing real estate taxes. They had already taken out liens against me for underpayment of real estate taxes in XX/XX/XXXX and XX/XX/XXXX. This was the first I was ever notified of this. It had turned out Freedom Mortgage had incorrectly determined the amount of real estate taxes owed on the house, and neither the city nor the mortgage company gave me notice of this. For {$2700.00} under underpayment over two years, I now owed the city {$3900.00} including penalties and interest. Somehow, Freedom Mortgage had figured this out and paid the correct amount for XX/XX/XXXX taxes, but did not take care of the missing balance from the previous two years. I immediately notified Freedom Mortgage about the issue, and they said they would take care of it, and cover the penalties and interest. I spoke to three different customer service agents who told me the same thing, but no one would send me confirmation of this in writing. 

Freedom Mortgage took longer than they said to pay the tax bill, risking me further legal action with the city. I was forced to hire an attorney to defend myself and my home from the city. Finally Freedom Mortgage paid the bill, but deducted the entire amount from my escrow account, rather than just the portion of the principal, and then sent me a bill saying I needed to pay them $ XXXX to cover my negative escrow balance and keep it full going forward. After hours of the phone, waiting on hold to speak to people familiar with my case, someone told me that " upper management, '' whom I am not allowed to speak to directly, had decided that I should 've notified them about the underpayments earlier so I was responsible for the penalties and interest, even though the city never notified me. When I called the city they said they had been sending my tax bill to the mortgage company. The Freedom Mortgage service rep two weeks ago said they 'd " discuss this further and reconsider '' but then stopped returning my phone calls. I can no longer get hold of anyone senior enough at Freedom Mortgage who can discuss my case. Calls to them take over 30 minutes even just to leave a message for someone who wo n't call me back.
Consumer complaint received 2017-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

The repossession agency that you hired violated my rights and broke into my private garage and removed my vehicle ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX. My garage door now has a hard time closing and I have to push it manually to closed it. Even then, the garage does n't close all the way down. 

To this date, I have not received ANY notices regarding the repossession of my vehicle or how I may go about redeeming my car. Nor have I received any notice regarding the potential sale of my vehicle.
Consumer complaint received 2017-10-10
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: Experian Information Solutions Inc. (NY)

I have tried to contact Experian, to dispute an account, in which ; the statutes of limitations have already expired. Experian has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # XXXX
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Our small not-for-profit organization setup a small business account with Bank of America ( BOA ). BOA has charged a $ XXXX  monthly service fee deduction to the account and mailing a monthly statement. Otherwise, there has been no activity on the account, no deposits, electronic fund transfers or deductions ( other than Bank of America 's monthly fees ). Due to circumstances at the time, the account was established in a state different from the location of the not-for-profit home office ( basically an 8 hour drive away ). When we called BOA to close the account, we were told that BOA has designated the account as dormant and that we can not close the account and have the funds returned. We were told that to close the account, we would have to physically go to a Bank of America center and make a deposit in order to reactivate the account. Then, we can close the account and get our remaining funds back. 

Basically, this means that BOA can choose to classify your account as dormant even though BOA is making monthly transactions against your account, i.e., making monthly deductions for service fees and mailing out statements. However, the account holder ( you ) can not close the account to get back any remaining funds from the account unless you deposit more funds into the account. Essentially, BOA is holding your funds hostage even though you have a positive balance and monthly transactions are occurring, albeit service fees charged by the bank. 

So, what happens when the funds go into a negative balance, due to BOA 's monthly fees? You, as the account holder, will owe them money. To avoid having a negative balance is the primary reason that we were attempting to close the account by phone so that the account would not reach a negative balance and we could retrieve any remaining funds in our account.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly disputed hard inquiries that I did n't authorize and am repeatedly told to contact the credit agencies to have them removed, but in doing so the creditors have stated that my dispute is with Transunion not them as they do n't have any records showing that I applied for anything.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

XX/XX/17 I called XXXX XXXX regarding my student loan - I was reminded that my student was moved to Navient. XXXX forwarded my call to Navient and provided the number for Navient. However when I called Navient I was never able to speak to a customer service rep or remain on hold to speak to someone. I tried the call twice but both time Navient disconnected my call and would allow me to remain on hold for the next agent. This is unacceptable. I was calling to advise that I had been terminated from my employment. I will be unable to continue to a XXXXper month student loan payment as I now have only Social Security Retirement as my current income. I chose NOT to have Navient return my call at their convenience, I was prepared to wait on hold for the next agent. How can a lender refuse to allow a customer to wait on hold for service. Navient should allow customers the option to wait on hold - now I have to continue to try and reach them when they will not hang up on me. XXXX XXXX XXXX
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I recently looked at my credit reports and noticed that Capital One XXXX .... reported negative marks 90 60 30 Lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 )  ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customerand that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve