davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (CO)

Received a call from an unknown number XXXX. XX/XX/23 @ XXXX. They proceeded to ask for my personal information like date of birth and last XXXX of my social to verify they were speaking to the " right '' XXXX. Then asked to verify my address. I asked what it was in regards to. They said it was to collect a debt but couldnt tell me who it was for or what it was in regards to. Told my credit would be affected if I didnt proceed. I said i wouldnt proceed if they didnt tell me who they were calling in regards to. They said they were " Capio Partners '' to collect a debt and thats all they would disclose.
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is a second complaint about Bank of America 's business practices, designed as they claim " to protect me, my account, and themselves ''. XXXX deposits totaling {$4000.00} were placed on a 10-day hold, {$2000.00} on XXXX and {$2000.00} on XXXX. These holds have resulted in a returned payment to XXXX XXXX, and has caused my credit card account to be suspended until the payment goes through, which means that I am unable to use my primary credit card. I have also been charged a fee by Bank of America in association with the returned payment. 

I 've been on the phone with Bank of America 4 times today totaling 2 hours. All reps I 've spoken to say that nothing can be done about these holds since they ca n't verify the funds with the other bank. I know this to be false because I 've dealt with this exact issue multiple times before with Bank of America, and on each previous occasion holds have been released. The payer has verified that funds have cleared from his account. Another deposit from the same payer, with a check from the same account, made after these XXXX deposits, has already posted to my account. Reps have insisted that removing the hold is impossible, and have refused to escalate my issue to a higher department, claiming that there is nobody else that they can escalate this to. I know this to be false as well ; when I dealt with this issue in XXXX 2015 I had been in touch with an individual in executive management, whose phone number was given to me and who called me back after I had left a voicemail. 

I have been lied to and stonewalled, and Bank of America 's actions are causing me financial hardship.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MN)

ORIGINAL COMPLAINT XXXX ( XX/XX/20 ) CLOSED BUT THIS IS NOT RESOLVED! 

I understand this complaint has been closed but the issue has NOT been resolved! It is no different than when we started in XXXX. We received a letter from XXXX on XX/XX/20 ( dated XX/XX/20 ) that stated specifically the issues and that all was resolved. ( That's when they closed the complaint ) We immediately requested a payoff statement to verify ( dated XX/XX/20 ), and did not receive it until XX/XX/20 and it is STILL INCORRECT. 

PLEASE SEE ATTACHED DOCUMENTS I've attached a mortgage statement from XX/XX/20 showing a principle balance of {$340000.00} - tell me how, AFTER a total of 6 payments ( 4 lumped together on XXXX of {$10000.00} ) and two others ( XXXX & XXXX ) in excess of {$2500.00} each - how can our principle balance now be HIGHER?? Payoff statement dated XX/XX/20 says we owe a combined principle balance of {$350000.00}!!! 

The transaction history shows 3 different times we were credited for the {$7600.00} ( total of the 3 monthly payments ) - but that it was also DEDUCTED 3 times!! So we did NOT get credit for that {$7600.00} paid and the " second mortgage '' is STILL SHOWING A BALANCE of {$7900.00} - when it should never have been created in the first place!

Also, our escrow has not been corrected! What happened to 3 payments worth of OUR MONEY TO PAY OUR TAXES AND INSURANCE?? This was paid in the XXXX lump payment - 3 months of escrow are missing totaling {$1700.00}! 

We had a mortgage audit done not long after our original CFPB complaint. 
I have attached that for your reference. 

PLEASE help us. Please.
Consumer complaint received 2020-12-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (OR)

I filed a mandatory forbearance request with my loan servicer AES and they did not request any additional information. They granted a temporary forbearance then rescinded it and charged me a late fee in XX/XX/2020. They are charging me this late fee and forcing payment during the period the government has issued a moratorium on student loan payments, through XXXX XXXX.
Consumer complaint received 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (TX)

Starting in 2023 I started a new job and wasnt able to work at my part time job during the XXXX phase of my new full time job. I then got sick in the XXXX with XXXX and had to get recycled. In between that I wasnt getting my full amount. Then shortly after I finished the XXXX I got back to working trying to catch up on all of my bills. Then got behind again due to getting XXXX and it was XXXX XXXX so they put me out of work. In this time I had a 30 day waiting period for short term disability then finally that kicked it and has not been enough to eat and pay for my mortgage and utilities. I was on a forbearance plan during this time but do not have the financial ability to catch up. I have been trying to sell my home to avoid foreclosure.
Consumer complaint received 2022-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have submitted several complaints via CFPB about XXXX, Transunion and XXXX. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX, Citigroup announced that it was " setting restrictions on the sale of firearms by its business customers ''. This is a coercive move made to discourage their business customers from dealing in completely lawful transactions. 
This action by Citigroup will not just result in financial harm to the merchants affected, but will also negatively impact the civil rights of American citizens in the exercise their 2nd Amendment rights.

That a company, after having received a massive bailout from the taxpayers, can ignore the constitutional rights of American citizens and inflict financial damage on their commercial customers is an outrage and must be stopped!
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NC)

I submitted a request for my LexisNexis credit report and on XX/XX/2024 I received the attached letter from LexisNexis dated XX/XX/2024. I followed the instructions provided on this letter and the PIN number provided would not allow me to access my credit file. I was getting an error message each time I used either XXXX XXXX or XXXX browsers. I telephoned LexisNexis and waited on hold for XXXX minutes and no one answered the phone at XXXX EST. on XX/XX/2024. This is a blatant violation of the FCRA and this company should be fined as the law allows.
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/XXXX I obtained a loan for a XXXX XXXX XXXX from a dealer in XXXX Ohio through Credit Acceptance. The car came with a XXXX XXXX mile warranty and roadside assistance, which I thought was a good deal. Turns out it's not! They only pay for parts and I'm told by others getting a tow is next to impossible! I'm responsible for labor and a {$100.00} deductible and getting a tow.
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I previously filed a complaint against XXXX XXXX and they said they would investigate the issue. I had an account with Capital One that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed. 

Portfolio Recovery stated they purchased the account from Capital one in XXXX and Capital One Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to XXXX XXXX, showing the account was paid in full and closed on my request. 

XXXX responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the XXXX XXXX XXXX about the original account in question against Capital One and XXXX confirmed the account was paid and closed. So XXXX never had any intentions to stop illegally trying to collect a debt that never existed. 

They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open. 

This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me. 

I ask that CFPB intervene at this point. Capital One has not cooperated with CFPB and XXXX has no interest in obeying the law, but rather giving lip service. 

The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.
Consumer complaint received 2022-12-14
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: Self Financial Inc. (IN)

Creditor agreed to fix and update my 2 accounts with them after they were closed for months. I have been waiting 4 months for them to fix it.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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  XX/XX/XXXX
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I responded to an ad on XXXX for a metal detector. I was sent pictures and a serial number to verify and sent partial payment on XXXX of {$100.00} through XXXX  from my chase checking account. The seller said the shipping fees were more than expected and that they did not have the funds to cover it so I sent another {$75.00} the same way on XXXX. All these payments were sent to XXXX through XXXX. I have emailed this address and gotten a reply with a picture of an ID etc saying they were victims of the scam too. I spoke with chase and they said they could not refund me the money since I initiated the transfer even though it was under false pretenses.
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

Phoenix Financial is making a wrongful claim and has flagged my credit for collection which has substantially ruined my credit score. In their letter which was dated XX/XX/XXXX they give 60 days notice to communicate reg. this issue. However on XX/XX/XXXX I checked my credit on XXXX and they had flagged my credit for the amount of {$1000.00}. They violated my Fair credit right to respond in the given time. Also the amount which I was billed from XXXX XXXX was {$380.00} which I paid 6 years ago in XXXX. I never received any additional statements for the claim amount of {$1000.00}. Now after 6 years I receive this bogus debt collection claim from Phonix Financial and without any hesitation and proof, they ruin my credit, this company is using bullying tactics and has violated my right to dispute the claim by reporting it to the credit agency prior to the 60 day given dead line. They need to remove it from collection and resolve it with XXXX XXXX  since it is an invalid claim. I paid the bill of {$380.00} in a timely manner and there was no outstanding balance.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I bought this motorcycle new in XXXX  from my local XXXX dealer. The loan was financed by a bank identified on the title as HSBC. I paid the loan off in 6 months. I sold this bike on XXXX and transferred the title to the buyer. The buyer notified me 2 weeks later stating he was unable to license the motorcycle due to not having a signed and notarized lien release from the bank listed on the title. I looked for the lien release but was unable to locate. I looked up the bank listed on the title and contacted them stating my situation and after numerous calls and emails they basically tell me they can not help me because they have no record of my loan because they have purged their records so there is no way can can give me a signed and notarized lien release. Instead they give me a " no interest '' letter which is not signed or notarized by HSBC. I give this to the buyer and he takes it back to motor vehicle dept in Missouri and they tell him this letter will not work because its not signed or notarized. I again notify HSBC by email and again they tell me they can not help because they have no record of my loan.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCF Intermediate Holdings LLC (TX)

For over the past many years. I Have been going by the book on XXXX  to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

This creditor continue to send XXXX  that they verified the account as accurate. Where are these supporting documents I want to see the documents they are using to verify these fraud accounts as belonging to me? This accounts do not belong to me and I had already placed a fraud alert on my credit report. XXXX and XXXX  have removed these fraud accounts and XXXX  continue to investigate with out showing me valid documentation from the investigation. From my understandin you are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct If you do not have valid documentation by law you can't file such collections on my report. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( With Valid documentation )
Consumer complaint received 2022-12-14
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. (CA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2020-11-10
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. (CA)

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXXXXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Opened a CitiGold account on XX/XX/XXXX over the phone with a representative, and used a Promotional Code that was tiered for different amount based on how much money was deposited. On XX/XX/XXXX I wired {$240000.00} to the account which met the promotional offer for {$1500.00}. During the promotional period, in the Citi App I was able to track the promotional and showed me as eligible for the {$1500.00} up until the promotional period ended then the tracker disappeared. After a few weeks I called into CitiGold and a agent said I was only eligible for {$500.00} since I put {$200000.00} in a CD with Citi and didn't leave it in the checking account for the full 90 days. However, when I opened the CD with my relationship manager at the branch they assured me opening the CD would not affect the bonus offer. As as well the fact the tracker in the App showed me as eligible for the {$1500.00} bonus for the entire 90 days, it is very strange that as soon as I couldn't access the tracker the bank said no sorry only eligible for {$500.00}.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (GA)

I wrote LENDMARK for validation of debt around XXXX but they refuse my letter. my post office is my witness and can verify. 
Now this company is saying i owe them but have no idea who this company is never dealt with them
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have deposited a check from the same company weekly for years. Never had a check bounce. All of a sudden starting on XX/XX/XXXX, Bank of America has been placing ridiculous holds on the funds. Both times, they caused employee payroll checks to bounce. 

The first hold was in one account, for a check in the amount of {$10000.00} deposited on XX/XX/XXXX. They held about half until XXXX XX/XX/XXXX and released the remainder at XXXX on XX/XX/XXXX. 

Deposited a check in the amount of {$7600.00} on XX/XX/XXXX into a different account and they placed a hold releasing {$5300.00} at XXXX on XX/XX/XXXX and the remainder {$2000.00} at XXXX XXXX  on XX/XX/XXXX. I received an email indicating that the funds would be available at XXXX XX/XX/XXXX. When I checked the account and see that they are now holding the entire check until XXXX on XX/XX/XXXX. 

I chatted with Bank of America on XX/XX/XXXX as soon as I saw they were placing a hold. I was given a phone number to call the next morning to request the hold to be removed. The representative said " I will advise due to recent changes in the financial climate, it is no longer our policy to release holds except in very specific circumstances ''. 

I called at XXXX on XX/XX/XXXX and spoke to 3 different people. Escalated twice speaking to a supervisor and then a manager. Nobody was willing to help, kept citing their policy that they no longer release funds and indicated that they " could not verify the funds '' the check was drawn on. 

I also spoke to a representative via XXXX and yet again, absolutely no resolution other than indicating what the policy is and that checks have the risk of being held. 

The funds have already cleared the other bank account and Bank of America is holding our money XXXX with no justifiable cause.