davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX ( CCS ), as reported to the credit reporting agency that I have a debt with XXXX XXXX. CCS has not provided any documentation to support their credit action. I have had no written communication from CCS that verify a debt owed, and in fact we have written evidence that no debt is owed. CCS has reported to XXXX without cause. I have no evidence of any debt with my current personal insurance company. 

I am a current insured of XXXX. I have contacted XXXX 's agent XXXX XXXX of XXXX XXXX XXXX in XXXX CA ( see attached ) to research any outstanding debt that I may have. She returned that based on her research of all policies I have had with XXXX that I have no debt. 

I provided the email to XXXX. XXXX returns with a simple reply that the debt has been verified. However, no one have provided any proof that I owe anything. And, I have a written statement from a XXXX Agent that I don't owe them anything. 

The lack of evidence by CCS and the unwillingness of XXXX  to insist that CCS provide documents to prove a debt infers fraud. We would like this absence of transparency to be handled by your firm.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a new Capital One 360 Money Market account that included a {$500.00} bonus after depositing {$50000.00} by XX/XX/2018. A total of {$55000.00} was deposited by that date. In between signing up and receiving the bonus, the company attempted to change the terms of the offer to mean a {$50000.00} " balance '' instead of " deposits ''. On XX/XX/18, an online chat was initiated with XXXX that informed me an exception has been granted for my account and to return on XX/XX/18 for the {$500.00} bonus to be manually posted. On XX/XX/18, the company is no longer willing to manually post the {$500.00} bonus despite the initial offer terms being met. A copy of the offer and both transcripts have been attached.
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I was supposed to be put in and reduced interest rate plan. I was in this plan the previous year and the guy said he was setting up the plan again for me. So I set up my account to have a certain amount of money taken out that would cover my XXXX private loans. It looks like it was good and working up until XXXX and then all of a sudden the money getting taken out did not cover all my loans. Therefore causing me delinquency on my account and also a late payment fee. This is also happening the past when it was XXXX and that messed up my credit really bad
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly notified this company by phone that I am in a current bankruptcy status on at least 5 separate occasions since my bankruptcy was officially filed in court on XX/XX/2022. To date, they have completely disregarded the court 's order and continued to try and collect on this account by repeatedly attempting to call me several times per day and by sending my emails every single day without any concern whatsoever that I am in bankruptcy and the LAW forbids them from doing these things during this time. They simply don't care about what the law states that they should do and not do while someone has filed for bankruptcy, obviously. They still do it and up until yesterday, I am still receiving harassing emails from this horrible excuse of a lending institution. Not only have they continued to harrass me and collect on this debt while I am in bankruptcy, but they have now decided to add this account to my Transunion credit report on top of everything else. They added this account just a few days ago and they are reporting it with a balance owed and with several months worth of delinquent payments while I have been in an active bankruptcy as well as reporting it as a delinquent account that is in collections and so on. This was all done just a few days ago and with full knowledge of my bankruptcy status too I might add. They have violated just about every consumer law their is and have also violated every debt collection law too by what they have already done to me while completely ruining my credit report and score as well as keeping me from being able to secure a new place to live because of their negligence, arrogance, and utter disregard to our Federal and State laws as well. To add to this : NOW THEY HAVE ALSO VIOLATED A BANKRUPTCY COURTS ORDER AND ALSO ARE VIOLATING A STAY AS IMPOSED BY THE BANKRUPTCY COURT AS WELL. What I should be doing and most likely will do still is to sue the living daylights out of them in Bankruptcy court and also in Civil court for their negligence and deceitful actions and for the harm in which they have caused me as a result with their actions. This is what I should be doing rather than wasting my time by filing this complaint here because clearly they don't listen or care about our laws and our rights and I have proof of everything that they have done ready to present in court if this isn't resolved within the timeline specified here with the CFPB ( 15 days ).
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (TX)

My mortgage payments with Selene Finance increased from $ XXXX to $ XXXX after the XXXX Escrow analysis. I requested Selene Finance to detail the Escrow analysis and explain where all my payments went during XXXX. They never answered, so I reached out to CFPB to hold Selene Finance accountable. Selene Finance have since reduced my payment to {$1800.00} ( with no explanation ). I also I requested in writing from Selene Finance REMOVAL of my Escrow account to prevent this in the future. I also spoke with Selene over the phone and they said the escrow would be removed in XXXX hours and to call back to make payment of Principal and Interest ( P & I ) only. When I called back they talked in circles. So this is a Follow up to be sure Selene Finance understand I want the Escrow Removed from my account AND a refund for the money paid into Escrow to date in XXXX.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I HAVE BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM ASAP
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

Citcard rejected convenience check for balance transfer and broke contract to borrow funds. Filed prior complaint:XXXX. 
Contacted by Citicard, XXXX XXXX, and told a code would be sent to me so she can discuss account in a letter from XXXX dated XX/XX/18. I have left messages to speak with XXXX about the fact that I have not received code and have not gotten a response. 
I am concerned about reporting to credit bureaus by Citicard as delinquency in account. 
I am denied access to Citicard on line and customer service at Citicard will not speak with me with the code which I have not received.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (WY)

In  XXXX   2017 I request ed my mortgage provider,  Suntrust Mortgage, begin drafting my savings account instead of  my checking account from  XXXX   XXXX   XXXX   XXXX   XXXX  for my monthly home payment . Suntrust indic ated they had made the changes and the  1st  draft from my savings would begin in  XXXX .  Suntrust then drafted my checking account as usual. I did not have the   funds for the mortgage payment in my checking -- I had it in my savings account where they should have drafted from. This caused me to incur  XXXX  non-sufficient fund charges for {$30.00} each. I contacted  Suntrust who assure d me they drafted my savings account and the problem w as with my bank. I contacted my bank who assured me Suntrust  drafted my checking account like usual -- not my   savings account as I had request and they assured me they would. My bank provided me a copy of the  XXXX  draft attempts and  XXXX  insufficient ACH fund charges on my checking account. I provided this informati on to Suntrust who reviewed the information and then concluded that they did indeed draft my savings account to the contrary of the proof from my bank that they drafted my checking. Through no fault of my own this big company insists they are right and has caused me a {$60.00} fee and it looks like I did n't pay my mortgage on time. Suntrust di d n't draft my savings or they would have gotten the mortgage payment funds. They are wrong and they wo n't admit it even with PROOF from my credit union.
Consumer complaint received 2023-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (GA)

I encountered an unexpected expense that became a priority in my budget. Consequently, I reached out to LendingPoint to establish a payment plan. After paying the necessary fees, I secured a reduced payment plan, reducing my monthly obligation to {$34.00} over a few months. 

However, starting in XXXX, I noticed XXXX bi-weekly interest-only payments of {$500.00} each, totaling {$1500.00}, were withdrawn from my bank account. This significantly exceeded my usual monthly payment and has severely strained my financial situation.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

I have told LVNV FUNDING LLC to cease all communications with me in regards to the following alleged debt. Account # : XXXX. My request to cease all communication did NOT include communicating by responding to a cfpb complaint. They are still choosing to violate federal law by communicating with me. The Fair Debt Collection Practices Act ( FDCPA ) defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a indirect medium to which they are choosing to communicate with me. In other words, they are willfully violating federal law and to be more specific, 15 U.S. Code 1692c. Along with other FDCPA laws they are violating my right to privacy as a federally protected consumer. I respectfully ask the cfpb to help cease all this communication.
Consumer complaint received 2024-04-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

Law 15 USC 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 
Company Name I C SYSTEM INC Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I sent my son {$3500.00} from XXXX thru XXXX to his account with USAA. 
He has NEVER received the money in his account! 

XXXX has completed their investigation and has stated that USAA told them the money went into my sons account. The money in NOT in there and the money has NOT come back to my account. 
This is contrary to the documentation from XXXX ( attached ) stating that the transaction failed. 
Now I am filing a complaint against USAA as thy are saying the money was put into his account.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Opened new checking account XX/XX/18 and did {$500.00} direct deposit on XX/XX/18. Promo I was supposed to receive was get {$200.00} for opening account and completing 1 direct deposit of {$500.00}. I have not received the bonus so far.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

This complaint is about LVNV Funding. I XXXX XXXX am further requesting documentation to be provided to me as I did not receive any correspondence from LVNV Funding. The documentation I am requesting will be provided below, attached to this complaint.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I have already disputed this account with the bureaus, but they did not remove it, nor prove validation. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

It has been XXXX  months since I have sent a dispute with a notice to opt out of reporting my nonpublic information on my consumer report and I have yet to receive a response. This is why I am submitting a complaint today. Per 15 USC 6802 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal to report the following accounts on my consumer reports. Account # ; XXXX, XXXX, XXXX. As you are a financial institution, I demand that these accounts are removed from my reports permanently. As federal law dictates, I the consumer can revoke consent at any time and of course it can be specified. If you do not believe that you must abide by this law, I will reference your XXXX and/or XXXX forms from SEC filings.
Consumer complaint received 2023-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (FL)

I closed on a mortgage with XXXX who has the servicing with Selene Finance. They held payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not to start paying payments until XX/XX/XXXX. However, they withdrew a payment on XX/XX/XXXX. I have contacted the company twice and XXXX at XXXX also contacted them twice. We were told that they would be returning the payment, however, to date, they have not. My payment is {$2300.00} That is a very large amount to my monthly debt to be taken in error and not returned. They have said sorry, they will handle it and then nothing.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2018, I contacted Capital One about a charged off debt that was reported on my credit report. The information reported was a charge off amount of {$890.00}. I explained to Capital One that this account was not mine and requested any written evidence of my owing for this account as well as presented my FTC report indicating that I was a victim of Identity theft. Capital One responded that the account was verified without offering any explanation of how it was verified. To date, Capital One continues to report this fraudulent account which has a negative impact on my credit score in all credit reporting agencies. Capital One has not and can not provide any credible evidence that I am responsible for opening this account. I maintain that I did not authorize the opening of this account or benefit in any way from this account.
Consumer complaint received 2018-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Contacted the company on XX/XX/XXXX of this year to request a current payoff amount for this mortgage loan. Was told by the customer service agent at that time that they would not provide the payoff amount over the phone, but would prepare a package that would go out with the information, and possibly would be in the mail that afternoon. No other special instructions that would be associated with this action were discussed at that time and as I persisted for a number on the exact amount that this process was necessary as they were concerned with the interest amount as the fee changed daily.

On XX/XX/XXXX having not received this payment package, I made out a check for the principal amount based on myXX/XX/XXXX payment statement. I mailed this check to the statement payment center that morning ( XX/XX/XXXX ).

On XX/XX/XXXX I received the payment package and with the payoff amount and payment directions. With fees and their calculated interest I would owe them an additional XXXX, but they also indicated payment to a different payment center and the need for a certified check or bank wire. 

On XX/XX/XXXX I contacted their call center and was told by the initial customer service representative, and then XXXX a supervisor I asked to be referred too that they would most likely return the original check and that I would need to contact them for a new payment package, essentially pushing the process out an additional four of five weeks at least and putting additional money in their pocket. I told them they needed to apply the original check to the principal balance, as the check has been trustworthy the last several months to accept for the monthly mortgage payment, there should be no problem with it for a final payoff. Was told they have a process that must be followed. 

I have no problem paying the additional {$100.00}, per their final number calculation that my XX/XX/XXXX check did not include. But disagree with incurring additional interest fees on the total mortgage amount while we work with in their created process and what seems to be a stall tactic to their benefit.