davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I submitted a notice of error and CFPB complaint regarding Shell Point 's failure to refund the full balance of my escrow. Based on their response to my CFPB complaint it is clear they not only failed to refund my escrow timely ( my original complaint ) but now they have failed to conduct a reasonable investigation ( 1024.35 ( e ) ( 1 ) ( i ) ( B ) ). My original and continued complaint is that at the closing for my refinanced mortgage the title company paid the property tax and that despite a phone call requesting Shell Point/NewRez stop tax payments they processed the tax payment anyway resulting in an incorrect escrow refund. I advised them of their error and that they still owed me {$8600.00} since XXXX says they have systemic controls in place to block duplicate payments and the only payment they have on record is from the new title company. All it would have taken for Shell Point to do in a reasonable investigation is to pick up the phone and make one phone call to the XXXX County Treasurer 's Office to verify who made the tax payment. Instead, all Shell Point did was send me copies of their internal records which I already knew was incorrect and into which they failed look any further. The whole point of my complaint was that those internal records were incorrect and that I was and STILL am owed {$8600.00}. I want those funds refunded to me by wire transfer immediately. Instead I did their investigation for them and have attached the records from XXXX County showing the XX/XX/2020 tax payment from the title company- NOT SHELL POINT!
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC ()

My name is XXXX XXXX XXXX XXXX. 

In XXXX, my ex wife ( XXXX XXXX XXXX ) and I decided to join our phone accounts ( XXXX & XXXX ) with one company ; XXXX XXXX XXXX mobility, however in XX/XX/XXXX she and I got separated and in XXXX of XXXX, the phone number XXXX was moved to a new billing account since that line corresponds to my ex-wife and she would take care of any subsequent payment from that line. I received an email from XXXX XXXX XXXX mobility confirming that request. Since that moment, my ex wife took care of paying her phone bill and to the best of my knowledge, she kept paying it until she moved to XXXX, around XX/XX/XXXX. 

My line ( XXXX ) was transferred to XXXX in XXXX of XXXX and I kept using and paying for it until XXXX of XXXX when I cancelled that line. 

I started receiving phone calls and letters from Sunrise Credit Services , Inc in XX/XX/XXXX, making me accountable for a debt of {$710.00} to XXXX XXXX XXXX mobility related to my ex wife 's line ( XXXX ), I started explaining the situation, I forwarded the confirmation of the accounts split from XXXX XXXX XXXX and at this day, Sunrise keep making me accountable for a debt that does not correspond to me, and now that debt is affecting my credit score. 

Based on this request and several conversations with different representatives from Sunrise collections, Inc, I request that the delinquent debt that I'm being held accountable for, to be dissociated from my social security number and hence not affect my credit score.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (CA)

FEB/Destiny - Pulled a hard inquiry for a credit check. I did not authorize this credit inquiry. I was unaware that this inquiry was on my credit report with the 3 credit bureaus. [ [ [ [ My last name at the time the inquiry took place was XXXX ] ] ] ] I have since restored my name back to my maiden name XXXX XXXX XXXX I have attempted to contact the company to let them know this hard inquiry was not requested by me and was most likely fraud, but the contact number on the credit report is not in service. I contacted the credit bureaus and they suggested I file a complaint with FTC and also mail the credit bureaus a letter disputing the hard inquiry with a copy of my drivers license. I mailed out those letters this morning, Tuesday, XX/XX/XXXX. 

Here is the information of the company that ran a hard inquiry : FEB/Destiny Inquired on : XX/XX/XXXXXXXX  Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Any assistance in having this inquiry removed from my credit report is greatly appreciated. This has caused a drop in my credit score. 

Thank you, XXXX XXXX XXXX ( Formerly XXXX ) ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-06-14
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that Capital may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from Capital One within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted Capital One a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted Capital One a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. Capital One handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. Capital One is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.
Consumer complaint received 2019-06-14
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: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX C/N : *XXXX REF : XXXX Statement of Explanation On XX/XX/2019 Ive managed to order online a black jacket on XXXX XXXX website online and my AmEx Biz Plat *XXXX was charged the amount of {$700.00}. Package was delivered to my home address which is the same as my billing address on file XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY, XXXX. However, instead of a brand-new jacket I was serviced with severely navy blue worn jacket by XXXX XXXX in a partially torn box. 

Ive immediately addressed the issue to the XXXX XXXX customer support and kindly requested to return the jacket back to the merchant facility. Representative issued and sent to my email a prepaid XXXX shipping label with a tracking number XXXX. The package has been successfully returned on XX/XX/2019 back to XXXX XXXX XXXX, IL and Ive got a confirmation email stating that the return was accepted and I should expect a refund issued back to the account within next 3-5 business days. However, the refund was never issued and Ive ended up filing a billing inquiry with AmEx. 

Turns out XXXX XXXX, without any prior update nor contact, tried to ship the package back to me with XXXX tracking XXXX, however instead of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY,XXXX  they tried to ship it to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  , NY , XXXX, which is never been associated with me. Due to that fact, package was refused and returned back to the merchant in XXXX XXXX XXXX, IL, since no one associated with this name resided at this addressed. 

Under Fair Credit Billing Act, Section 166, Im kindly asking CFPB to request American Express to issue back to my account the amount of {$700.00} and consider the matter closed, since the return was completed. Please, see attached documents. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I submitted my mortgage assistance application to Rushmore on XX/XX/XXXX along with a Quit Claim deed From XXXX XXXX : XXXX has no vested interest in the property since XXXX, we do not have communication. I would like for my modification to be reviewed with my financial income along with my husband as a contributor since we are financially responsible for the loan. I have provided all the documentation requested from me. attached again is the quit claim deeded that was recorded almost 14 years ago if you could find XXXX and make her submit her documentation great however she has not contribute or been around for the last 14 years.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (FL)

On XX/XX/XXXX I received a letter from Optimum Outcomes regarding a debt I alleged owed for from XXXX XXXX Hospital in XXXX XXXX, Florida. It was alleged that I owed {$16000.00} for a procedure done upon me on XX/XX/XXXX. On XX/XX/XXXX I contacted the company to learn why I had received this letter. I was asked for my name, address, date of birth, and social security number. My date of birth and social security number were different from the person they were looking for and I was told the matter was closed. On XX/XX/XXXX I called the same company to request a letter stating that I am not the person they sought. I did so to avoid being harassed by this company in the future and to protect my credit rating should this fraudulent bill become an issue. The representative refused to provide such a letter by stating that " they don't send out such things. '' I responded that this company has no difficulty generating a letter to the wrong person and I wanted something in writing to verify that I was not the person with the debt. A short debate ensued and the woman hung up on me. Optimum Outcomes caused me consternation for I bill I did not owe and I had to take time to rectify their error which they could have remedied had they done their due diligence before attempting to collect a debt I did not owe. I should not be incumbent upon me, the innocent party, to fix their mistake. In addition, I can not see why the request I made for a letter stating that it was their mistake was so rudely denied.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Injustice anywhere is a threat to justice everywhere! THIS IS A RESUBMISSION OF A COMPLAINT THAT WAS NOT FULL COMPLETED! PLEASE BE ADVISED ... This complaint is against Bank of America, N.A., and XXXX, XXXX. Both financial institutions ' were given ample notice pertaining to Social Security Trust Account and to cease all deductions until further notice. Both institutions proceeded collections with prejudice and malice. On XX/XX/2019, regarding an allege debt in the amount of {$2200.00} respondent 's received a Dunning letter from legal entity concerning an alleged financial obligation owed to Bank of America.. Bank of America is where this issue all began. Bank of America was issued a Private International Remedy/Offer of Performance/Conditions Precedent Instrument ... Early on, I issue Bank of America a Notice of Presentment back in XX/XX/2019, in which I never received an answer from their Texas branch bank. The total sum of the complaint is {$2200.00}. The next complaint is against XXXX, XXXX, whom chose to continue debiting Social Security Trust account after receiving a Cease and Desist Notice on XX/XX/2019. Their continued harassment over the phone and predatory lending practices have placed the legal entity in evictions notice, due to their continued pursuit of a debt not owed. We respectfully ask for your intervention in these matters and assist in the return of all funds back to legal entity 's ' account ...
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I have a collection account listed on my credit report by LVNV Funding. I asked for written verification and validation of the debt. I received a letter from Resurgent Capital Services in response to my inquiry telling me they manage the account with LVNV Funding. They only sent me an account summary report that was prepared by Resurgent Capital Services on the behalf of LVNV Funding.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions Financial Corporation/Regions Bank of XXXX XXXX XXXX will not close my business Visa credit card account. The balance due on the business Visa card has been {$0.00} for months. Regions Bank telephone employee verbally told me I had to travel to a Regions Bank or write a letter on business letter head and mail it to : Regions Bank Credit Card Support, XXXX XXXX XXXX, XXXX, AL XXXX. I was told the mailing address.The body of the business letter included the credit card number, account number, number on the back, name, address. This was mailed on XX/XX/2023. On XX/XX/2023 I received, via U.S.mail, an envelope from Regions Bank containing a new business credit card. On XX/XX/2023 I called Regions Bank and the telephone employee informed me I had to either travel to a Regions Bank or write a letter on business letter head with all the information described above and mail it to Regions Bank. I informed the telephone employee that was done on XX/XX/2023. The employee offered no further assistance. On XX/XX/2023 I called Region Bank again to confirm information before submitting this complaint. This time I was told I had to find a Fax machine and Fax the letter and I was not supposed to mail the letter. Please tell Regions Bank to cancel my business credit card account.I do not wish to play anymore games with Regions Bank.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had two checking accounts with Fifth Third Bank which were overdrawn due to fees imposed on the accounts and then additional fees due to the accounts being overdrafted by the original fees. I never opted-in to any type of overdraft protection program for this very reason. The Bank closed my accounts and immediately sent them to collections. This strikes me as usury and nickel and diming customers. I know owe over {$1000.00} to the collections agency due to Fifth Third 's deceptive practice.
Consumer complaint received 2017-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

A company called  XXXX   XXXX   XXXX   XXXX  contacted me and told me they are going to give me a scholarship of  XXXX  . However, it was a scam and they took my money abou t 18000  . They also asked me to purchase   XXXX  gift card and also  XXXX  voucher. It was a scam and I lo st about  20'000  .   Their numbers are :
Consumer complaint received 2023-04-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NH)

XXXX XXXX  reported me to credit agencies for a {$2.00} interest payment on a fully satisfied HELOC loan. I've been told that I stopped my autopay and though can not prove it I do not agree after having reviewed my records as I do not have notification of such. Even if true, the bank no effort to reach out to me to avoid the reporting as I learned it through the diligence in my review my credit report. My scores prior to this were 830+! 

Further, I now have an issue with the dispute process with Equifax and XXXX as balances were reported incorrectly to them -and they accepted it. My available balance on this HELOC is now {$100000.00}, which is {$17.00} higher than the original loan. This is due to the fact that when I went to the bank to correct the account they took a payment {$17.00} over that which I truly owed them. In discussion with the Customer Service folks I spoke to about this, numerous of them, the response to both of their errors, failing to prevent a {$2.00} balance to negatively affect my score by 70+ points for up to 7 years and then overpaying themselves to satisfy the balance, was indifference at best. 

Based on my payment history, I feel XXXX was negligent in attempting to contact me in an effort to avoid this issue and as such this has disproportionately affected my credit standing in a negative way in which they are indifferent to while being indifferent to their own mistakes.
Consumer complaint received 2021-02-16
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)

US DEPT VETS XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-16
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. (MD)

I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  XXXX reporting information about this Account.
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Associates Loan Servicing LLC (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with XXXX LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXXXXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2019 I opened a SunTrust Advantage Checking Account. I was solicited to open this account thru the Mail with an enticement of a cash bonus for the opening of the account. ( enclosed a copy of their ad ) I went to a local branch and met XXXX XXXX, Personal Banker at the XXXX XXXX, Florida Branch. I made an opening deposit of {$27000.00} ( receipt enclosed ) which qualified Me for a {$500.00} bonus Payable within 90days after opening. I switched My Veterans XXXX payment ( copy of letter enclosed, also Bank statements showing deposits made ) to meet the Direct Deposit requirement, I got their Debit card and made 13 plus Transactions to fulfill the Debit card Purchase Requirement of 10within 60 days, and I maintained a Balance in excess of {$26000.00} to meet the Minimum Balance for over 90 days. I have fulfilled My end of this Contract and now I want my Money?