davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I noticed 2 amounts coming out of my overdraft protection on my daughter 's bank account. {$1400.00} on XX/XX/XXXX and {$1800.00} on XX/XX/XXXX. I immediately called Bank of America to inquire about these charges. I opened a claim and which was closed 2 days later without my knowledge. Upon learning this, I opened a new claim having to start the 10 day investigation process over again. On the night on Day 10 my daughter received an email stating that the claim was denied. In the meantime, after looking through her account, which is tied to mine, there were multiple unauthorized transactions made. Including 3 checks immediately deposited then transferred out resulting in my daughter having charges for non sufficient funds building on her account. These transfer were all done on a mobile device. BofA did reimburse the fees, but has refused to honor my claim of fraudulent activity. I have been told to file a police report, get phone records, which I have sent to BofA. These records contain a number that is clearly fishing out my bank account and it located in Alabama. BofA has not investigated my claim just informed me that since these transactions were done through XXXX, which they contract with, there is nothing to be done. My daughter is in college and is missing {$350.00} as well as the 2 amounts above that overdrafted into my account. There were 3 checks that were sent to me via mail that had been deposited and then taken immediately out, 2 of which were " refer to maker '' and 1 listed as a forgery. Clearly BofA knew something was up if they stopped payment on those checks. I have done far more research than BofA. I have called the fraudulent numbers listed on the XXXX transactions and called the companies to which these " checks '' came from made out to my daughter and forged. BofA has her signature card. This should of never happened. I have called BofA continously since this process began on XX/XX/XXXX, and have had to contact the private banking division in order for them to even get me in contact with an actual person in fraud which I spoke to XX/XX/XXXX. At this point, I have faxed all the phone records and am waiting to see if the claim can be reopened.
Consumer complaint received 2021-09-15
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: CREDIT ACCEPTANCE CORPORATION (NJ)

I used the lender Credit Acceptance Co in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. Credit Acceptance took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX Credit acceptance illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, XXXX Article XXXX XXXX, most notable XXXX and XXXX, and State XXXX  and XXXX XXXX a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (NJ)

Dear Madam/Sir, CFPB : I received a letter from a debt collector dated, XX/XX/XXXX, XXXXHowever. I just recive it, today, XX/XX/2021. I am disputing the debt collector do to an unknown credit card that is not mine and does not belongs to me. I call the debt collector and I spoke with one of the representatives and told him that there is an error and a mistake in there behave, because, I never had a credit card with : XXXX XXXX The mail representative Harras me and Thretening me saying that the unknown credit card is mine. I told him to STOP HARRASSING ME, AND I TOLD HIM TO STOP USING VULGAR LANGUAGE. I also told the debt collector to send me. 1 ) An original application to see who file the unknown credit card. 2 ) I need all the statements in relation to this unknown credit card. 3 ) I need all the receives, places dates of purchases and signatures on all the bills or receives. 4 ) The debt collector needs to STOP calling me also. If he needs anything must be in writing and mailed to my Lawyers. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (DE)

I have a private loan that I am own without a cosigner. There have be two separate instances where Wells Fargo has called others in my family ( Wife and Mother ) besides myself looking for me. I have never given permission for others to be contacted and both do not understand how they were even contacted since they are not on my loan.
Consumer complaint received 2020-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I paid XXXX through PayPal for and item and I never received that item because the merchant is a scammer and he admitted it. PayPal wont let me have my money back because they dont feel like theres a problem.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

After receiving notices about data breaches with the credit bureaus I sent requests to get my reports and tried but was denied by all means including the free annual credit report. I feel as though all 3 credit bureaus have violated my rights to view my credit reports to see if there is any fraudulent activity that has occurred.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After receiving notices about data breaches with the credit bureaus I sent requests to get my reports and tried but was denied by all means including the free annual credit report. I feel as though all 3 credit bureaus have violated my rights to view my credit reports to see if there is any fraudulent activity that has occurred.
Consumer complaint received 2023-01-19
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. (TX)

I disputed XXXX XXXX XXXX collection account with Trans Union, XXXXXXXX XXXX XXXX All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I just checked my Credit Report and noticed an account from Capital One ( that has late payments ) that does not belong to me. I do not have any Capital One accounts. Please see attached screenshot. Please communicate in writing only. I have also previously disputed these items with the credit bureaus and yet Capital One continues to disseminate this information to the bureaus month after month.
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TN)

I have made several attempts to delete the following charge off account. Equifax continues to " update '' & resolve my account instead of DELETING it because it contains inaccuracies. The account is claiming to have Past Due Balance, but as you know this is inaccurate which is a violation of my rights so as a result of that this, this account needs to be removed from my reports -- not updated but removed.
Consumer complaint received 2020-09-06
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. (NV)

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Consumer complaint received 2019-10-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (MD)

What is this complaint about? 
I'm getting a refinance with GuaranteedRate. 
What type of problem are you having? 
They sent me an email saying " Your refinance loan is Clear to Close, meaning the Underwriter has signed-off on all documents and has issued a final approval '' What happened? 
I began the refinance process on XX/XX/2019. I contacted GaranteedRate and was in touch with XXXX XXXX, Mortgage Specialist XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX. I have been going through the whole process and signed the loan commitment papers. my Closing date was suppose to be XX/XX/XXXX. XXXX also mentioned that he had to go out of town, because of a family emergency. On XX/XX/XXXX XXXX sent me an email saying I was clear to close. The following week ( XX/XX/2019 ) I called numerous times and sent text and my call was never returned. I continued to call and when I didn't get an answer, on XX/XX/XXXX I called XXXX XXXX, Loan Coordinator, XXXX O : ( XXXX ) XXXX -she said she would try to get in touch with XXXX and have him call me back. Two days later XXXX  called to tell me that the program that I was approve for was suppose to be discontinued on XX/XX/2019 but he was informed that it was already stopped. Which doesn't make sense, if it was why was I given the clear to close? Finally on XX/XX/XXXX XXXX sent me a text saying " Hey XXXX, I just tried to give you a call. We just got the word from upper management that we will be denying your loan due to program unavailability. Your credit card has been refunded as well today. I'm sorry I was not able to get this done for you. '' What can I do about this whole situation it seems to me that they drop that they dropped the ball on this loan, and now I have to start the process all over again.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MA)

I had an overdue balance on my XXXX account in the amount of {$430.00}. I initially had a 24 month contract which provided promotional pricing. However, as the end of the contract was coming up, I was unable to login into my online account. XXXX locked me out of my account even though I still had and was paying for service. Each time I called XXXX Customer Service, the wait was over an hour. So I continued to pay the high monthly price even though I really couldn't afford it. It's almost impossible to get through to someone unless you have at least an hour, but usually more, to set aside to call them. 
My service was disconnected in XX/XX/XXXX due to nonpayment. I contacted XXXX XXXX on XXXX ( see attached ) XXXX refused to close my account after my contract was over and until I returned the equipment. This resulted in charges from XX/XX/XXXX through XX/XX/XXXX. ( see correspondence with XXXX XXXX on XXXX ) even though I did not have service. Moreover, I had requested XXXX close my account which they refused to do until the equipment was returned, thus incurring additional monthly charges for services I did not even have. 
I had trouble going in person to return the equipment because of the limited hours they were open. If I returned the equipment via mail, it would take ten days before XXXX would update my account and would continue to be charged until it was received. 

I was finally able to return the equipment on XX/XX/XXXX ( see proof ) via UPS office although I was nervous doing so. XXXX then credited my account in the amount of {$340.00} for the equipment rental. They did not credit my account for a portion of the monthly service charge even though I didn't have service and I requested they close my account. They charged me even after I requested my account to be closed and refused me access to my online account. 
XXXX then put my account in collections on XX/XX/XXXX through CCS Collections in the amount of {$430.00}. This is more than three months after the equipment was returned and the account closed and paid. I have attempted to dispute the information with all three credit reporting agencies, however the account is still showing as an open balance under Collections on my credit report in the amount of {$430.00}. My XXXX report states the account information disputed by consumer, meets FCRA requirements but clearly, this is not inaccurate.
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MO)

I am receiving service from Experian called XXXX XXXX which I did not request. The service sends me emails about my credit every time a credit card is used or score rises for falls, etc. I never requested this service ( I get this information elsewhere, on my terms ) The email states that if I unsubscribe from XXXX XXXX I will no longer receive such emails or newsletters but yet - there is no option to unsubscribe, not in the email and there's no option on the website. There's also no email or IM option to contact the company to advise. Experian 's business hours are during my own business hours, thus I am unable to call them on their timetable. 

My complaint : if signing up for this service can be done online so should cancelling. 

I suspect, my attempt to freeze my credit led me to unwittingly sign up for this. I'm usually very careful about this sort of thing.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (NC)

I have an existing credit card with XXXX / Comenity Capital Bank. In XXXX of 2019, it had a balance of {$600.00}. In XXXX, I opened a credit card with XXXX XXXX because it had favorable interest rates on balance transfers. I completed a balance transfer from my XXXX XXXX card for {$600.00} to XXXX / Comenity Capital Bank in early XXXX. On XX/XX/2019 I received verification via mail from XXXX XXXX that confirmed that a wire was sent to XXXX / Comenity Capital Bank. I called XXXX XXXX and confirmed that a wire was sent to XXXX / Comenity on XX/XX/2019 for {$600.00}. Comenity Capital Bank never credited my account. I had to call them multiple times to request them to look into why I never received the credit while at the same time, paying the minimum amount each month on an amount that I no longer owed so that my credit would not be affected negatively. After gaining no resolutions amid trying to work with XXXX / Comenity Capital for 2 months ( I was told to wait and see if the balance would update since it probably had not been processed yet ), I filed a formal dispute in XXXX and the gentlemen on the phone asked me to upload documentation showing the balance transfer. I had to find the documentation from XXXX XXXX and when I was going to upload it, I received a notification ( this was < 30 days ) that my dispute was closed and they could not verify my balance transfer. I called back and re-opened another dispute and uploaded the documentation and I was told that they would look into it and credit my account. I didn't hear back from XXXX / Comenity after I spoke with the Customer Service Representative. It was only after I told them that I filed a complaint with the FDIC and gave them the reference number that I finally heard from their customer service department and they said that they were looking into my dispute and would not collect payments on the amount while they looked to see if they could approve my dispute. It has been almost 5 months and they still have not credited me the amount that I owe and I am making monthly payments to ensure my account does not report as delinquent on my credit report and also paying XXXX XXXX payments, so in essence, I am paying on 2 balances for the same amount, and XXXX owes me the credit of the balance transfer, as well as the monthly payments that I have made since XX/XX/2019 to current ( as of the date of this filing ).
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

In our complaint submitted on XX/XX/XXXX ( Complaint ID : XXXX ) to the CFPB in regards to our mortgage servicer NewRez dba Shellpoint Mortgage-we requested all the loan and escrow accounting records from the origination of this loan in XXXX to present day. In this response to our complaint, the failed to provide the requested loan accounting records from XXXX to present day-which needed to include how every XXXX of every payment as been applied to our principal, interest, taxes and insurance from every servicer that as ever survived the loan since its origination in XXXX to present day. 

We have asked multiple times for the entire loan accounting history from XXXX to present day, one of which was during a phone call that is recorded. Please see NewRez 's response to our complaint filed on XX/XX/XXXX, XXXX where they failed to provide all loan accounting records which show how every pennny from every panymen has been applied to the principal, interest, taxes and insurance from the origination or the loan in XXXX to present which needed to include all of the servicers that have ever serviced the loan from XXXX to present day. 


As NewrRez failed to provide these documents that we requested in our previous complaint are asking again for all loan accounting record documents that show how every XXXX from every payment has been applied to the principal, interest, taxes and insurance from origination of the loan in XXXX to present day, from every single servicer that has serviced the loan from it's origination in XXXX to present day.
Consumer complaint received 2019-10-31
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: BARCLAYS BANK DELAWARE (NY)

Barclay has been allowing unauthorized charges to my credit card. 

In XXXX, my credit card expired. I called them to cancel the card, they refused and instead downgraded the card to one without an annual expense. 

In XXXX, a company had charged the card that had expired in XXXX, despite not being authorized to do so. When I called to dispute why Barclay 's authorized a charge to a card that expired in XXXX, they said that they do not care about if a card is expired and will continue to charge that and other cards associated with the account, even if the merchant does not have any active or correct information. Barclay 's will simply search for any other account in that individual 's name and attach a charge to that. 

Barclay 's has blamed me, because I did business with that vendor once over 2 years ago and that I should have anticipated that they may charge me again in the future whether it was authorized or not.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-10-31
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)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX  XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019