davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (TN)

I have a mortgage with Ameris Bank. I was wanting to make the final payment today, however, they are insisting that I send the money by either wire transfer or certified check. Either of these options will cause me to incur additional expense and time off of work. I do not believe consumers who want to make their final payment should have to incur this expense and inconvenience. If my monthly payment was satisfactory every other month of the loan term, why isn't it good enough for the final payment. I understand they may want to hold of releasing any leans or processing the final paperwork for a few extra days to ensure the funds clear. But they should not force people to incur additional expense and use vacation time from their jobs.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Citi charges {$95.00} annual fee for the AAdvantage card that I have with them. They have historically waived the fee given that I have been a long time customer with strong credit. This year they did not waive so I informed them I would be canceling. I canceled the card and asked for the prorated fee back ( which they had explained that I would received once I canceled ). 

They informed me that I would get nothing back because I canceled outside a 60 day window. I paid a full year annual fee ( which was paid in XXXX/XXXX statement ) and have received less than 4 months of value. I should be paid the prorated amount back, but Citi will not do so which is completely unethical.
Consumer complaint received 2019-04-01
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. (NJ)

I have three collections reporting from XXXX, I requested an investigation from them directly and from Equifax. I have not gotten a proper response from XXXX I am unsure of the correct reporting and I don't believe equifax  has done a proper investigation into this matter. They just keep verifying the information.
Consumer complaint received 2016-11-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (PA)

I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.
Consumer complaint received 2019-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I own a piece of property in XXXX XXXX XXXX Florida. The loan was owned and serviced by XXXX XXXX. 

In XXXX, XXXX the loan was sold to Shellpoint Mortgage. When I started receiving invoices from Shellpoint there was an additional charge of {$690.00} entitled 'Prior Servicer Charge '. The charge appeared to me to be very arbitrary. I inquired about the charge with the customer care using the phone number provided on my invoice. After going through many hoops, in was told I could only resolve this with emails to the servicing department. I never received this charge from the prior servicer XXXX. 

I emailed Shellpoint servicing. XXXX XXXX of Shellpoint replied that there was a small charge for property inspection on XX/XX/XXXX, and a large charge labelled 'maintenance '. Maintenance of what? Why? That was XXXX XXXX, XXXX and I did not get a reply since then. 

I called again today and spoke with XXXX, who called it simply 'property preservation ' and did not offer any further explanation or resolution. 

How is that lenders are allowed to add arbitrary charges without any disclosure whatsoever. It seems inappropriate at best and illegal at worst. I believe this is cost associated with servicing the loan which should be picked by the servicer and not passed along to the consumer.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with XXXX XXXX was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XXXX, XXXX and XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XXXX, which was promptly done. XXXX XXXX account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with XXXX XXXX, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with XXXX XXXX to not report this to credit bureaus - Received call from XXXX XXXX customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of Equifax and XXXX in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I closed my checking account on XX/XX/XXXX with a balance of {$530.00}. A check was suppose to be issued to my address. After a month 's time nothing arrived. I called telephone banking at XXXX on XX/XX/XXXX where the agent said another check would be issued. Nothing arrived again. 

On XX/XX/XXXX I visited the branch at XXXX XXXX, New York and spoke to a banker who reach out to branch support for help. I believe Branch support 's agent name was XXXX. He said they were unable to help and connected us to telephone banking. After one hour on the phone with telephone banking they were unable to locate the two checks that were sent out and asked us to check with branch support again. The telephone banker 's name was XXXX XXXX ( XXXX ). He checked with a supervisor who was unable to help or offer a resolution. 

Nobody at Chase is able to resolve this situation. I've sent a total of 3 hours trying to resolve it on my end. They are holding my money with no clear path on how to get it back. I'm hoping CFPB can help.
Consumer complaint received 2019-04-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My father died on XX/XX/18. I have probated his estate and have been appointed Executrix. I have called and forwarded all required documents to Capital One on several occasions in order to obtain a XXXX and have the funds released to me. I have made numerous calls and was finally told approximately 2 weeks ago that I didn't need to wait until the CDs matured to receive the money and a check would be issued and sent to me. Today, I called the bank to see the status and was kept on hold for hours and no one was able to ascertain the status of the checks and/or account. It is clear to me that this bank intends to hold on to my money for as long as it can and has no interest in releasing the funds despite being legally obligated to do so.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter from Capital One advising my secured credit account, and Kohls Charge Card has been canceled, due to, " Principal owner ( s ) past, present or pending legal action. '' I contacted Capital One. The person I spoke with advised she can not give me any information besides what was stated in the letter. She further advised checking my local or county court system. I asked how was the background check completed if I did not give consent. immediately her demeanor changed and she quickly ended the call. I never gave Capital One consent to c
onduct a Criminal History background check. I further checked the terms and conditions, and nowhere is stated that a Criminal Background check, is consented.
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I am contacted the CFB regarding Midland Credit Management, FTC file # XXXX. Company was sent 3 dispute letters by me. MCM never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX& another again on XX/XX/XXXX. Both statements provided by MCM were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like MCM who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from XXXX XXXX XXXX/XXXX XXXX! I have been asking for a proper debt validation that company has failed to provide. Instead, MCM lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!
Consumer complaint received 2022-12-30
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX  has incorrect information on my report. i have contacted them via / phone and email with no cooperation. The incorrect info belongs to someone else with a similar name. the following info must be removed within 30 days ... DELETE ALL THE FOLLOWING ITEMS I have never had a " CAPITAL ONE ''  card XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a Bank of America preffered checking account. I deposited a check ( from my XXXX checking account ) into my Bank of America checking account on XX/XX/2019. The bank has placed a hold on my check deposited until XX/XX/2019 ( for about 8 business days ). Their policy says they can hold my deposits for 2- 5 business days ( on their mobile app and their website- link below ) and upon calling they said it is upto the bank how many days the hold is for and they said their new policy is to hold deposits for 7 days. There is no policy document that I have from the bank that says that they can hold my money for that long that the bank made available to me. 
They said on the phone that since the deposit is from a new account they can not release my money. Their policy does not state anything like that. 

https : //www.bankofamerica.com/deposits/account-information-and-access-faqs/
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Constar Financial Services, LLC (NY)

I have an outstanding debt with XXXX XXXX XXXX XXXX  and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( Constar financial service ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I have been trying to obtain a full disclosure credit report from Lexis Nexis since XXXX of XXXX. Every time a report was sent it was a driving record. I called back several times requesting the correct disclosure be sent I have NEVER received my report. 
In XX/XX/XXXX I applied for an an apartment and was denied due to information on my Lexis Nexis report stating I had multiple evictions. I have lived in the same apartment for XXXX years and have never been evicted. I called Lexis Nexis and immediately requested my report. I was once again sent my driving record. 
I have called a total of six times form XXXX until XX/XX/XXXX requesting my full consumer disclosure report and I have not received it. I always get excuses such as, something went wrong with the system, or the representative requested the wrong report. I still have not received my report. 
XX/XX/XXXX I called furious about not having received my report. I again received the run around about why I have not received the report promised to me XXXX to 10 days ago. The representative told me she would meet with the " team '' and they will call me back where at that time my report would be emailed to me. I never received a call or my report. 
I am being denied access to my report and this violates my consumer rights. I have damaging information in a report that I am unable to gain access to.
Consumer complaint received 2018-08-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (LA)

Back in XXXX of XXXX XXXX Louisiana had a flood and at the time I was employed at a car dealership the flood made it difficult to sale cars and I got in a bind with paying my mortgage. I reached out to freedom Mortgage to see what could be done to help with the situation and they asked all about the flood and whether or not i was affected by it. I answered all the questions and was given the opportunity to take a forbearance on the loan. It was explained to me that for 3 months I would have no payments due but would still acquire interest. The 3 payments would be put on the back end of the loan and I would assume regular payments at the end of that. At the end of the 3 months freedom mortgage told me the I had to pay all 3 of the months at the moment. I have been trying to get this fixed for over a year now and its making it very hard to catch up on my payments with late fees and all. please look into this all I'm asking for is to be allowed to opportunity to catch up like they told me I would be able to.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

So I lived in XXXX  and move to XXXX XXXX  on a XXXX XXXX on XX/XX/2021. Both my wife and me. Around XXXX of 2021 my wife got a super intimidating new phone call a company called Fair Collections and Outsourcing located on XXXX XXXX XXXX XXXX XXXX, MD, XXXX. 

We told the gentleman that this wasnt our debt. He had offered nothing to verify the debt. And when we called the apartment complex no one there could verify the debt either. We explain to the credit bureaus that this was fraud and that they should remove the debt from our reports. When need your assistance to resolve and remove this from our credit reports.
Consumer complaint received 2021-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Prosper Marketplace, Inc. (CA)

My name is XXXX XXXX, and my grievance is with the following : XXXX  credit reporting agency, XXXX XXXX is the representative from XXXX moreover they've move my credit file to some department they reference as their Special Services Department, XXXX XXXX  Representative XXXX XXXX has been extremely rude, furthermore he has been exhausting and very difficult to deal with ; I've complained about the unauthorized hard credit inquiries listed on my credit report, XXXX XXXX has refuse to take my dispute for the hard inquires, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The next issue is Prosper Marketplace LLC, They've have reported a settled account using totally different verbiage than originally agreed to ; they agreed prior to the me paying, that they'd add the following statement to my credit report '' Prosper shall consider the Borrower 's account to be settled, and shall notify the credit reporting agencies that it reports to that Borrower 's has been settled in full. They've reported something completely different '' Legally paid in full for less than the balance and caused my credit score to drop more than XXXX points, this has adversely effected my credit standing, for the next 7 years. They should immediately correct the language, more Prosper Loans also stated that this would not negatively impact my credit report, they've made false promises to get me to pay in advance. the original loan was for {$15000.00} and they collected initially {$500.00} for themselves, I've paid out over {$20000.00} on this loan, do to Covid 19 they offered a settlement directly, moreover more importantly, they said it would not impact my credit reporting, as long as I paid the agreed amount with in a certain time period.
Consumer complaint received 2019-09-18
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.
Consumer complaint received 2019-02-15
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. (GA)

I have never applied for credit with XXXX XXXX. XXXX XXXX has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my file.
Consumer complaint received 2019-02-15
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. (GA)

I have never applied for credit with XXXX XXXX. XXXX XXXX has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my file.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (VA)

The Social Security Office mistakenly marked me as deceased in XX/XX/2018. ( I am not in fact dead. ) I went to the local Social Security Office in XX/XX/2018 ( when I was notified about the issue ) and got my status fixed. However, Discover Card refused to remove my 'deceased ' remark from my account without a formal letter from the Social Security Office . I actually asked the Social Security officials about it when I was there and they told me that they do not send letters ( specifically to companies about notifying them that I am alive. ) Discover Card was adamant about keeping me 'deceased ' on their records, and out of frustration, I gave up on dealing with them. I paid off the remaining balance on the credit card ( though I am pretty sure that I did not actually need to since they have me as 'deceased '. Who has heard of a dead person paying off bills? ) Discover Card said that they had me as deceased and the account closed. 

Fast forward to this year, I started noticing negative remarks on my credit score reports due to this Discover account. Apparently, since I am deceased in their records, my account is now 'delinquent '. This has wrecked havoc. I contacted the Discover Card office today they were still adamant about needing to receive a letter from the Social Security Office reiterating that I am not deceased. Clearly, once again, I am not dead. I even paid of my outstanding balance last year yet I still have this account as 'delinquent ' on my credit score reports. 

Discover has been the only bank that I have had such issues with regarding the Social Security Office error. When this happened to me with my other banks, I had those issues resolved relatively quickly and with no need of a 'letter from the Social Security Office '.