davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I started the process to prevent my home from foreclosure on XX/XX/XXXX by submitting an application via hope loan portal ( case # XXXX ), which was handled by my housing counselor with the XXXX XXXX XXXX XXXX XXXX XXXX. Since that process has begun, I have been getting the runaround with my lender Bank of America who holds my mortgage. After submitted my application onXX/XX/XXXX, I received a response from Bank of America on XX/XX/XXXX stating that my application was incomplete due to missing documents, which included bank statements and tax returns. These items were received by Bank of America via hope loan portal. However, according to the representative with Bank of America, they were not in proper format. According to the representative, my statements could not be accepted because they were printed from my bank 's ( XXXX XXXX ) website. XXXX XXXX does not offer traditional bank statements without a fee and you have to request them to be sent by mail. I did not find out this information until 3 months later of which I received my bank statements in the mail. I sent my bank statements to Bank of America on XX/XX/XXXX via the hope loan portal per my housing counselor. I then received a response from Bank of America on XX/XX/XXXX stating my bank statements were rejected because it includes 4 pages of which the 4th page is blank. They are saying they can not accept the statements because the 4th page, though it is blank does not say " page 4 of 4 ''. Therefore, according to Bank of America my bank statements are incomplete. I have contacted XXXX XXXX to see if something can be done to adding page 4 of 4 to my bank statements. XXXX XXXX does not provide statements in that format. Therefore, I am unable to provide what is being asked of me from Bank of America.They are also stating they have not receive page 2 of 2 which has been submit via hope loan portal on XX/XX/XXXX. I have also resent these statements on three occasions between XX/XX/XXXX and XX/XX/XXXX through two different Bank of America banking center locations. Bank of America is still saying they have not received the complete statements. Because of this, my process in securing my home is being halted due to " missing documents '' according to Bank of America. Bank of America has also requested proof of my expenses of which I have provided copies of my utility bills on XX/XX/XXXX. I have also sent an itemized budget with my application. On XX/XX/XXXX, Bank of America responded with a request for proof of expenses. I have been informed by my housing counselor that it is likely Bank of America will soon be requesting for me to complete a new application because my application is more than 90 days old. As of today XX/XX/XXXX, Bank of America has not requested for me to do so. I feel as though I am not being treated unfairly in this process. I feel that I will lose my my home based on some technicalities beyond my control.
Consumer complaint received 2019-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (IL)

ATG credit has refused to remove a derogatory statement on my credit after several phone call to Ms. XXXX. Initially I was sent a bill for {$740.00} then {$530.00} in XX/XX/XXXX. In XX/XX/XXXX a XXXX collection was placed on my credit report. On XX/XX/XXXX I paid the bill and requested my credit report be updated. ATG credit will not accept or return my calls and continues to report a collection on my XXXX and XXXX  credit report. I have a receipt for the paid in full debt. Phone number for ATG XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IL)

Citibank : I have gone in XXXX branch 10 times for this. Yesterday XX/XX/19 XXXX told me to come in today XX/XX/19 to see Branch mgr. Today XX/XX/19 I came in and branch mgr was Not in and XXXX told me that I needed an appointment. They refuse to address or correct Fraud on my account after 15 attempts. I submitted advertised charge and Duplicate Charge of {$80.00} posted 1 week later. Also My account would have been overdrawn and charge would not gone through if full amount of {$160.00} because I do not have overdraft protection so all these mistakes are bank errors.
Consumer complaint received 2019-06-19
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. (CA)

I received notification from transunion that a hard inquiry on my credit report from XXXX XXXX on XX/XX/2019. I have not had any dealings with this company now or in the past. I have called XXXX and they refuse to deal with this situation. I person gave me a case number ( XXXX XXXX XXXX ) but this seems to mean nothing to them when I inquire further into this matter.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (IL)

on XX/XX/XXXX i received a notification from XXXX notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from Acima, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified
Consumer complaint received 2022-11-17
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2019-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc (NM)

Two years ago I was making payments to XXXX XXXX XXXX. I made four payments of {$XXXX} each. Shortly after the fourth payment, I was informed that my account was sent to collections regardless of my good standings Medicredit called and was attempting to collect the debt and I attempted to dispute it. I contact a lawyer with XXXX XXXX XXXX and they sent a letter on my behalf XX/XX/XXXX. I did not hear anything from Medicredit for two years. 

Last month, XX/XX/XXXX, they tried to call and said they were going to take legal actions if I didnt pay. But, they wouldnt tell me how much the debt was, where it came from and they refused to send me a written notice of the debt. I have a phone call recording that shows me asking for the written collection notice and it has been 5 weeks with no response. 

I have tried to figure out this debt collection with no answer or help from Medicredit nor has my lawyers office heard anything.
Consumer complaint received 2019-06-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd. (TX)

My first contact with this company was when my mother called me upset that she had received phone calls from someone threatening her, telling her I used her name as a reference with a payday loan from years ago and that I did not pay it and that they are trying to locate her. they gave her all of my information in an attempt to get her to talk to them, as she believed it was a scam. She called me very upset and told me about the phone call. around the same time, I received a call from a blocked number from a person who identified herself as a Mrs . XXXX and left no company name. The message stated she had received a location processing order through XXXX County to locate me at my home or place of employment. The Message gave my date of birth as well ( which is personal identifying information I was not aware a company could leave on a voicemail ). The voicemail threatened legal action and listed a " case number '' if I did not respond to the " complainant ''. I called back the phone number that was listed and the person was very aggressive with me. when I mentioned the information that can be disclosed to third parties and the tactics that can be used per the fair debt collection practices act, the lady at extension XXXX screamed at me and said I am going to court and hung up on me. I called back and spoke with someone else and they confirmed that the Mrs . XXXX that called me earlier pretending to be from XXXX county did in fact work there. they would not answer any of my questions and said I should get papers in the mail. I found out only through calling the number provided XXXX-XXXX-XXXX Ext XXXX that the company name is XXXX. I have been screamed at, threatened and intimidated into paying a debt I have yet to be able to get any information on. I have received nothing in the mail so far and my family members have been contacted with my personal information. Please help me stop this illegal and threatening collection against me.
Consumer complaint received 2019-06-19
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. (TX)

The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. I plan to also submit a complaint to the attorney general for the state of Texas. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.
Consumer complaint received 2019-06-19
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: ID Analytics, Inc. (MS)

I am writing to request the removal of unauthorized credit inquiry. SageStream LLC.  XXXX XXXX pulled my credit report file from this company listed SageStream LLC.  This company is reporting incorrect information on my credit file and my credit score. Please investigate and remove from my credit file
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX Bank of America Regulatory Complaints Bank of America attempted to resolve issues related to mortgage/escrow account by falsifying information and misrepresenting factual information publicly available from a governmental agency XXXX XXXX County Property Taxes ). Bank of America refused to take responsibility and acknowledge any wrongdoing. Bank of America failed due diligence to research information provided by governmental agency and evidence provided by this writer regarding their ( Bank of America 's ) claims. 
Bank of America 's proposed resolution to the complaints brought upon this writer involved dismissing the complaints, falsely justifying their stance and continue to deny responsibility or any wrongdoing on their part. As a result, this writer continues to face negative repercussions including assessments of late fees, being pursued and questioned about intent/ability to make payments towards their mortgage. This writer has provided Bank of America with numerous copies and evidence disproving their claims and yet they refuse to admit fault. In addition, Bank of America claims that a penalty/late fee of {$26.00} was assessed by the property taxes office. According to property taxes finance department records, Banks of Americas claim is false. Their attempt to collect additional funds is uncalled for and unsubstantiated. 

Documents provided to Bank of America : 1.copy of the XXXX County XXXX Department of Finance website information page whcih includes property taxes due date. Their phone number is XXXX. 
2.records provided by the XXXX County Property Taxes XXXX Department of Finance regarding the payments received for the year 2018. 
3. Copies of checks sent by this writer to pay porperty taxes 3.requested an audit to the records of XXXX ( contractor for escrow account monitoring ) 4.documents provided by the XXXX County Department of Finance response XXXX there was NO {$26.00} late penalty fee assessed by their office.
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed these item several times however the company refuses to send any concrete evidence that these is my account. I will go one by one. 

XXXX - The name of the creditor is XXXX XXXX XXXX which makes me believe it is used for health related services. As a XXXX veteran I receive all of my medical and dental services from VA. I have requested the information below from the company. 

a. Is this a medical bill? 
b. What services were performed? 
c. Who received such services? 
d. Who signed the original contract? 

XXXX This appears to be a a XXXX XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

XXXX This appears to be a a XXXX card. I requested the information below from the company. 

a. What services were performed? 
b. Who received such services? 
c. Who signed the original contract? 

I suspect I may have been the victim of identity theft but until I receive the requested documents there is no way I can be certain beyond any doubt. All they have to do is provide something, anything with my signature on it which establishes some contractual obligation that is binding on me to pay this debt so I can see who signed it and who signed for the merchandise and/or services. It is a simple request. Instead all I get is copies of old statements and a template letter telling me they verified it. I am also requesting for the company to provide the name and address of the bonding agent for PORTFOLIO RECOVERY ASSOC in the state of Texas in case legal action becomes necessary.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have pulled my report and I seen several accounts that are not mine, I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : Item # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Reason for Correction : I was going over my credit report because I have moved back to XXXX and I just found out that someone has been using my identity. I have never done business with these companies. I was pulling my credit to look into buying a home and I seen addresses that are not mine. I am not sure if the person is using my information is still using it. This is the first time I have been aware of the whole situation. 
According to the provisions of the Fair Credit Reporting Act? 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of? 612 [ 15 USC? 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

New Rez LLC mortgage servicing took over from my previous company, XXXX XXXX  last fall. The insurance payment from escrow was due XX/XX/21 and has yet to be paid. My XXXX XXXX representative, XXXX XXXX of XXXX XXXX, AZ has faxed them a bill and also called, to no avail. They gave me over a month 's grace period and yesterday I paid the insurance to keep it current. It is now over 5 weeks since this process started and still New Rez hasn't responded. I have my mortgage payment on automatic payment and have not missed a payment. They are regularly collecting the escrow but are not dispersing it. I don ; 't know yet of they have paid any taxes or that will also fall to me. This can not be legal or ethical, to collect escrow and not disperse it. 

New Rez : XXXX XXXX XXXX, XXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Please refer to the attachment which describes my complaint in full detail. In summary, I received a " targeted '' offer from the American Express Delta Skymiles Gold card. It was a " targeted '' offer because it not only contained my name, address, etc. but a unique ID number that was specific to me. The incentive on the offer was a {$50.00} statement credit and XXXX Delta Air Lines Frequent Flier miles after meeting the requirement of making total purchases of {$2000.00} within 90 days of receiving the card which I performed. Subsequently, American Express refused to honor the incentive claiming that I had previously received this offer. I asked American Express, if I had previously received this offer and did not qualify for it, then why was I not only targeted with a unique ID offer number but when I applied for the card, there was no decline by American Express stating that I did not qualify for this offer. American Express could not answer my question and I am seeking the assistance of the CFPB.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On or about XX/XX/2023, I initiated a transaction to pay my XXXX XXXX credit card payment through the online bill payment system at my bank, Capital One. The amount of the payment was {$3600.00}. On the morning of XX/XX/XXXX, I checked my bank account and saw that the payment was actually sent to XXXX XXXX, rather than XXXX XXXX. The payment said pending, but when I called Capital One, I was told that since it was an electronic payment, they could not stop the payment. I filed a dispute on the payment with Capital One, which they declined because they said that I directed them to send the payment to XXXX XXXX, and that XXXX XXXX had " accepted '' the payment. They provided me with a credit trace # to track the payment with XXXX XXXX. I do not know if it was my error or the bank 's error that caused the money to be sent to XXXX XXXX instead of XXXX XXXX. I have called XXXX XXXX XXXX XXXX and I have gone into the local XXXX XXXX store. XXXX 's tactic has been to transfer me in a loop to various people in their foreign call center and to deny that they have received my money. I have spent hours on the phone with them and each time, I am transferred to at least XXXX different people, none of whom are willing and/or able to give me a definitive answer about whether or not XXXX received my money. I have had to take money from my savings account to pay the actual credit card payment to avoid having to pay late fees and interest. So, I have spent XXXX XXXXXXXX in less than a month. I am not sure if the credit trace number I received from the bank is a " confirmation '' that XXXX actually received the funds or if it only means that an electronic transfer was attempted. In any case, XXXX is telling me to talk to the bank and the bank is telling me to talk to XXXX. But each one has closed the case and refused to admit that they have my money. The bank at least provided written notice that they closed the case. I have asked them to reopen it. XXXX XXXX is refusing to help me at all. I only know that the case was closed because that's what the customer service person told me when I called to inquire about whether XXXX XXXX has the money. At this point, it seems that I will need to go through the time and expense of taking legal action to recover my funds. This is very unfair to a consumer. When I asked the bank to reopen the case, they said I would have to wait 15 days to get an answer. Meanwhile, I have bills to pay and I have no assurance that the money will be returned to me at that time. I have suffered both mentally and physically as a result of Capital One and XXXX XXXX ' handling of this erroneous payment.
Consumer complaint received 2018-10-16
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. (NC)

I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. CFPB, please delete the accounts UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX, UNKNOWN XXXX