davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

SPECIAL REQUEST TO CFPB : CFPB FILINGS OF XXXX, US BANK IN XXXX XXXX, I WOULD LIKE TO LINK IN TO THE FOLLOWING PLEASE : XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. XXXX ID NUMBER XXXX. XXXX XXXX XXXX, MANAGER OF US BANK, ( XXXX CFPB Filings ) XXXX XXXX SHOULD BE NOTIFIED OF THIS XXXX FILE IN THIS INCORPORATION REQUEST. POSSIBLE PARTICIPATION OF XXXX COMMON ASSISTANT MANAGER EMPLOYEE, ( ACTIONS SIMILAR TO FILING XXXX, XXXX/XXXX/XXXX, a previous bank where US Bank Assistant Manager once believed to have worked ). 
Participating In A " BANDWAGON, '' BRINGING MILLIONS IN DAMAGES TO AN ESTATE AND OTHER BRINGDOWN EFFORTS WHILE ABUSING BANK AND BANK PRODUCTS. FACILITATION OF DETRIMENT AND DAMAGES, TO CAUSE FURTHER PREDICAMENT OF FUNDS BEING LOW THROUGH XXXX US BANK REASONS FOR CFPB FILING ACTIONS.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I got Identity theft who stole my information to withdraw money out of my Chase bank. I had filed a police report, froze my credit, contacted the bank to get things resolved and tried to get my money back. Funds where transfer starting in XXXX, I discovered and contacted the bank on XX/XX/20. Bank worked to resolved the issues and returned partial of the funds. However, there were still {$4500.00} that were charged because bank said the merchant will not return the money because my info were validated ( because my identity was stolen! ). I have no idea how to get the rest of my money bank and it seems like the bank is not willing to help.
Consumer complaint received 2020-08-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have a loan with PORTFOLIO, PORTFOLIO RC  ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (MO)

I have received a report on my credit from a XXXX XXXX XXXX XXXX for XX/XX/2020 which I have not been to the hospital none 2020 and the fact that this appeared on my credit Is evidence of identity theft or that the company altering dates and time please correct this the last thing I need is more debt in this global pandemic and I will continue to try and reach out to the company
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (CA)

I have already paid off my loan. My final payment was on XX/XX/2020. 
They completed the final payment processing on XX/XX/2020. 

Since then I have been contacting them to get my original recorded lien release document, but I am getting round about answers and answers like it will take 30-45 business days. I have contracted them at least 3 three time within this 4 months I been waiting. Today I was on call with them for more than 1.5 hours and they finally told me, release has been recorded with the county on XX/XX/2020, but they were unable to answer when will I receive original document. They also would not tell me when will I receive this document, even after it is recorded. Customer support representative told me she has to submit yet another request to their " internal department '' to figure out how long would it take to get this document in my hand and said there is no way for me to talk to them directly. They also put some blame on Pandemic, which is understandable and initially I understood that, but it seems little ridiculous after 4 months.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (AZ)

I contacted U.S. Bank the week of XX/XX/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full XX/XX/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous calls and emails. I started this in XX/XX/XXXX to avoid the exact situation I am now in and it took them until XX/XX/XXXX to submit my application. We have never missed a payment in 8 years and I have asked U.S. Bank to extend the default day from XX/XX/XXXX to XX/XX/XXXX and no one at U.S. Bank is willing to help. My loan officer simply said they can not help to extend the default date and gave me a general number to call. I have spent hours now on the phone with U.S. Bank trying to find someone to help me extend the default date just to XX/XX/XXXX and no one can or is willing to help. I am so frustrated as I was told to call U.S. Bank back about 2 months before the maturity date which I did, to start the process. I made it very clear to my loan officer I wanted to make sure this was complete before the maturity date and that I was concerned about getting it done in time. He assured me it would n't come to that but then they denied my re-finance application on XX/XX/XXXX! This now made it too late to get anything done before the default date of XX/XX/XXXX. No one at U.S. Bank seems to care except one Mortgage Supervisor in Minnesota who has spent time with me on the phone trying to help but does n't have the authority to extend the maturity date. I am still in process of re-financing this loan and have found a bank that is able to do so but U.S. Bank is still not willing to help in any way. I would like U.S. Bank to take the late payment off of my credit since this is due to their lack of responding to my many emails and calls that put us in this situation and I would like them to extend my default date to XX/XX/XXXX. They certainly are n't concerned about our situation or finding any other way to assist us. I am extremely disappointed in their customer service.
Consumer complaint received 2020-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I called Navient to ask for a PAY OFF BALANCE. I was talking to Navient. They indicated a false balance and said I was eligible to just pay 4 lump sum payments and have the rest forgiven. I followed their procedure, made 2 of the 4 payments, then receive a letter from the US Dept of Education with correct balance information and how this company enrolled my into a Income driven IDR consolidation that is incomplete. The company that serviced the consolidation is a fraud entity called XXXX XXXX XXXX XXXX, XXXX. I call them to get an email of the contract they set up with me. They digitally put my signature on a contract that I would have never signed. The language is beyond misleading and does not make sense. I call them, they reiterate false information about how the balance will be forgiven. I tell them to cancel. I call my bank to cancel my debit card. I am now seeking to be placed on the class action lawsuit. I have lost {$1400.00} from this misleading information process. I wanted to pay off my balance, and trusted the agent in what she was telling me. The phone call took place in XXXX, 2020.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I parked in a paid parking on in downtown XXXX on XX/XX/2019. I paid the parking fee and put my receipt on my dashboard. Several weeks later I received a " Notice of Violation '' from the parking lot owner. I mailed them a letter letting them know that I paid the fee at the time of parking, and included the original receipt I received when I paid the parking fee in question. I received no response. Then in XXXX of 2019, I received a collection letter from a law firm claiming to be the debt collector for the parking lot owner and attempting to collect the original parking fee plus a large penalty. I sent a letter on XX/XX/2019 again explaining that the original parking fee was in fact paid. Since I had sent the original parking receipt to the parking lot owner following the first notice, I included with this letter my credit card statement showing again that the original parking fee had in fact been paid. I received no response. This week I received yet another notice from the law firm trying to collect this parking fee.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted XXXX XXXX, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CarMax, Inc. (MS)

I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The company received a Notice and Demand to Validate Debt Claim on XX/XX/2020,  according to the tracking info on the Notice. As of XX/XX/2020, no response has been received and the company is well over the 30 days alotted in the Notice and Demand to Validate the Debt. A Fiduciary Appointment was mailed and received by the company on XX/XX/2020.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IN)

I made a purchase at Lowes in the store and paid additional fees for items to be delivered to me on XX/XX/XXXX. The items were suppose to deliver to me on XX/XX/XXXX but they did not. I called into the store and reported it, I did not hear back so I went into the store on XX/XX/XXXX and the customer service desk told me they had a packing slip and informed me to get a hold of a manager later in the week. I called and talked to XXXX  on what i believe was XX/XX/XXXX and explained the issue. He told me he would talk to his employees about the issue, the bad customer service I received and get this resolved. I followed up with him a couple weeks later and XXXX informed me that since the packing slip did not match my information I had provided that I needed to show proof that I was the card holder. I was not sure what he was talking about and reached out to lowes credit card services. I was told that there was a issue with the packing slip having different information on it from my information and they would dispute this right away and take this up with the manager at Lowes. During this time I did not hear from Lowes store, the manager nor anyone else involved. I received a notice that the charges were applied back to my account. I requested multiple times for Lowes to provide me with a signed slip of accepted/received delivery and have not received the requested papers. They keep sending me a packing slip which indicates nothing more than they indicate that the items were suppose to be on the delivery truck. Since the initial dispute I have informed everyone that I did make the purchase but the items were not delivered to me. Lowes has not offered any resolution and this has been a ongoing hassle for 8 months now. 
As of XX/XX/XXXX Lowes has informed me that since my last correspondence did not provide additional information that I will be charged for these items. There has not been additional information requested by Lowes and the only information I can provide is that I did not receive the items and I have went into the store about this, called the manger and reported it to Lowes credit card. My card was billed before the items were set to ship/before delivery was confirmed. The delivery states that customer must be home for items to be received but Lowes has not yet provided me with any information to show this delivery was accepted by me. The Loading Ticket provided shows different name and contact information but it does show the last 4 of the card # being mine. 
I am being charged for items that I never received nor did Lowes even attempt to set up a re-deliver or any other resolution
Consumer complaint received 2020-08-26
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: Navient Solutions, LLC. (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had disputed negative information on my credit reports. To date the negative information is still appearing I am uploading documentation that this account is to removed off my credit reports
Consumer complaint received 2020-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : XXXX : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am in the process of repairing and cleaning up my credit. I requested validation/verification from XXXX, XXXX & Transunion for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. 5 collection accounts on transunion.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (TX)

The company XXXX XXXX XXXX XXXX Fortiva opened an account in my name which they claim is for new equipment for my XXXX security system. I relocated from XXXX  to XXXX and upon relocation I had XXXX   move my service. The second technician to arrive at my house stated they did not upgrade my equipment and used some equipment from my prior home. I never signed an agreement for this account to be opened to finance my equipment and I did not authorize this account to be opened in my name. If they have a signature it is not mine. This account needs closed and removed from my name immediately. This is fraud and a violation of CFPB consumer credit guidance. This company can not produce my authorization to open this account.
Consumer complaint received 2020-08-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (TX)

On XX/XX/XXXX i sent a good will letter and requested that I be given another chance by deleting the late payment for XX/XX/XXXX and XX/XX/XXXX on my credit report.i have been an excellent customer with a good payment history until the economy took a dive.i love navient and all the payment options.it has been 40 days and I have not received any correspondence letter.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX - Never Ever Applied for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX  XXXX XXXX of them has done TONS of inquiries & NEEDS TO BE STOPPED
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one, without prior notice, has taken action against my credit score by decreasing my credit limit. The unilateral action taken by the bank, negatively affects my credit worthiness, which I work very hard to maintain. 
Upon further inquiry, the bank representatives refused to explain the reasons as to why such action took place. Since the offered no explanation, I feel this action is arbitrary and borderline discriminatory, given that from my name anyone can infer I am not a XXXX person. The credit limit was cut in almost half, from {$15000.00} to {$8000.00} according to the representative.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX  XXXX  {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}