davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (WA)

I recently refinanced my home loan. The old mortgage company that had the escrow was BSI Financial Services. I had to establish a new escrow when we did the refinance and I was told that BSI would refund me the current escrow within 3 weeks. I checked the law and they have 20 days to do that. They have not refunded me the money which is over $ XXXX. I have contacted them multiple times. They only responded the first time saying they were processing the request and sent no information on timeline or anything. Since then they haven't responded at all to my requests. At this point they have held my money for over the legal 20 day period without returning it to me and I need government assistance in forcing them to comply with the law.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (TX)

XXXX, XX/XX/2018, XXXX, TX XXXX XXXX called me with a spoofed number to look similar to my own area code. XXXX ( or whatever her name is ) disclosed my information without even verifying my identity. Then proceeded to state she would keep calling and continue to call. She mention that XXXX was the second collection agency handling the case.
Consumer complaint received 2021-12-08
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. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

XXXX.2021 I logged into my credit card account to pay my bill. I happened to notice that my account was restricted for some reason, so I called Capital One to check and see what happened. 

At that time I was told that this specific account was restricted because they needed to verify that the bank account that I pay my bill with is in fact mine. I was confused as to why only 1 out of 3 accounts was restricted, when all 3 of them are paid from the same bank account. In talking with the manager XXXX, I was informed that even though my payment account was thought to be fraudulent, they would still process payments from that account, but they just would not allow me to use my credit card. 

I have 2 big issues with this. 

1. Why would only one card be restricted while all other accounts are still open? That would still allow someone to defraud me if that was the case.

2. IF they believe an account is being paid fraudulently, is it still legal for them to take money from the fraudulent account? It has been my understanding since I was a child that knowingly accepting stolen goods was in fact a crime. So if I were illegally paying them from someone else 's account, and they suspected it, wouldn't it be illegal for them to accept that payment? Because the manager outright said they would still allow me to pay my car payment and credit cards using the bank account that they think is fraudulent.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX Credit Report.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NJ)

been with American express many years went to XXXX XX/XX/XXXX ny we all got sick food posinoing. noticed am ex they said it would be disputed typically they are the best at disputes protecting the customer. I just called today its Still on my bill I am put on hold for an hour while he researchs it with no respect for my time. my time matters. why is it still on there? HELP get it off. I did call restaurant. get the XXXX dollars off my bill
Consumer complaint received 2022-10-13
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-07-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTEAD FUNDING CORPORATION (NY)

Hello, I just closed on a mortgage ( FHA ) as a buyer a week ago XX/XX/2021. During the closing, I noticed a big discrepancy on my closing cost in the final closing disclosure ( CD ) and complained about this to my attorney and the settlement attorney. The discrepancies involved some payments which are due to or responsibilities of the seller but added to my cost. For example, delinquent taxes of the seller was added to my closing cost. Another big issue is the missing seller 's credit of {$10000.00} as contained in the contractual agreement signed by all parties. This errors made my cash to close to rise by {$10000.00} to {$35000.00}. Page 3 of the final CD has seller credits as {$0.00} instead of {$10000.00}. Despite all my complaints to the lender and my attorney, I was not provided a comprehensive response to my inquiry of why these discrepancy occurred and what some of the payments in the final CD. I believe this is a subtle way of short changing me in the property purchase. 

In one of the responses of the lender to my complaints about this error in cash to close, some payments were marked as settlement made by the seller on behalf of buyer ( me ) towards the seller 's credit. However, a closer look at those payment shows that this maybe untrue. I requested for a new CD that separate seller 's payment of their previously owned taxes and from the credits provided to me for my closing cost. My request appears to be ignored. It is actually against the law for the seller to fulfil their statutory obligations and shift their past due payment to buyer. This is not the agreed seller 's credit of {$10000.00} in the contract/offer letter. 

I will be very glad if CFPB can intervene in this matter to save me from losing {$10000.00} in this transaction and to unfairly treated. 

Thank you.
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

On XX/XX/2021, I received a notification from one of the 3 major credit bureaus that a collections company known as IC Systems INC has reported a negative tradeline for the amount of {$590.00} owed to original creditor : XXXX XXXX XXXX. After researching the original creditor, I see that its a company for a pet membership. I DO NOT HAVE OR OWN ANY PETS!! The collections agency, IC Systems INC has not even tried to contact me via letter to inform me of this alleged debt. IC systems INC did not go through the appropriate procedure regarding verifying the accuracy of this debt. Why would such a debt even exist because I do not own and have never owned a pet. I am beyond confused and shocked and need this negative trade line deleted from all credit bureaus to which they report to.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (PA)

Victim of XXXX XXXXXXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Summary : Capital One quietly " deprecated '' my savings account at some unknown date and froze the interest rates at 0.3 %. They gave no notice that the type of savings account I had was being " deprecated '' or even what that meant. When I raised the issue with them, they tried to pretend I was just unhappy about the interest rate, and told me I was negligent for not checking interest rates regularly, and it was my fault for not opening a new savings account. THAT IS NOT THE ISSUE. The issue is that my savings account was effectively converted to an Certificate of Deposit with a permanent fixed rate, with zero notice given to me. 

Background : I originally opened this savings account with ING Direct in XXXX. In XXXX it was bought out by Capital One, and the account was converted to " Capital One 360 ''. I continued to receive all the same service and updates to the account as I had before. Interest rates updated, I could transfer money in and out, and I received regular notices. 

At some point in XXXX  Capital One " deprecated '' every single previous Capital One 360 Savings account with ( apparently ) no notice to clients [ XXXX, XXXX ]. This unannounced change froze savings interest rates in place, preventing Capital One from having to pay out more interest on this large number of accounts. There was no effective notice -- I received no email or mail that I could find -- and current interest rates for this this specific type of savings accounts are hidden behind a small pop-up button on the website. 

My complaint is not about the interest rates. My complaint is about this stupid shell game that Capital One is forcing on its customers. Every so often they " deprecate '' a certain type of savings account and lock everyone into horrible interest rates. They don't give any notice, or if they do give notice it's behind a wall of fine print. If a customer wants to keep getting market-standard interest rates, they have to CLOSE OUT EVERY SAVINGS ACCOUNT and then OPEN UP A TON OF NEW SAVINGS ACCOUNTS. There's no legitimate reason for this. 

I filed a complaint with Capital One, and they basically said " we see you don't like your interest rate and if you don't like your interest rate just open a new savings account. '' But that's not the problem. The problem is I DON'T WANT TO HAVE TO KEEP OPENING NEW SAVINGS ACCOUNTS just to prevent Capital One from scamming me out of money. My savings account still works in every way EXCEPT updating interest rates. They didn't force me to close it or say that I had to move my money out. Capital One is completely happy to let my money sit with them, they just defraud me out of hundreds of dollars of interest each month because they can. 

[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAW OFFICES OF RANDALL L. PRATT, P.C. (MA)

XXXX XXXX XXXX is noncompliance with the federal requirements pursuant to 12 CFR 1006, section 803 through 812 of the Fair Debt Collection Practices Act. 

XXXX XXXX XXXX was sent a cease and desist order which he has continuously violated. 

XXXX XXXX XXXX was sent a debt validation notice which he was notified the debt was not validated properly. He has continued to attempt collection. 

He also continues to sell PRIVATE information about the consumer to other third parties for collection attempt. 

He has failed to identify himself and answer to Freedom of Information Request. 

I have reason to believe he is not registered to do business.
Consumer complaint received 2021-06-22
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. (FL)

I ask you to check the information in my profile because I can not understand why I have this unknown account. As far as I remember I have never had something like this in my credit report. So it appeared recently and I do not recognize this account. Well could you please check and validate this info?
Consumer complaint received 2020-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

on XX/XX/XXXX I contacted USBANK. I am successor trustee of my Parents Trust. I need to complete my Mother 's 2019 taxes and I need her 1098. They asked me to email them a copy of the trust and her death cert which was emailed to them on XX/XX/XXXX. XXXX said it would take 3 days to get the 1098. On XX/XX/XXXX I called back ( well over the three days ) and first they said they did'mt have the first set of docs they requested. I gave them the name of XXXX XXXX who responded that they had my items and I said I had never ben contacted that they not only did not receive the items but now I was told they needed a copy of the EIN and last recorded deed, which I submitted and I then received a confirmation email on the XXXX. XX/XX/XXXX received an email stating they are still reviewing my docs and I should have something in another 15 days. I am filing a formal complaint. I have suffered enough at the untimely death of my parents and now I have to continue this by being treated like chattel by US BANK
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I made a request on XX/XX/2022 for student loan payments to be refunded per the CARES act through Aidvantage. I have called twice since and have received no update or change in status for the refund, it has now been 6 weeks. Please help.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (PA)

I reported a fraudulent credit card purchase on my PNC credit card for two transactions onXX/XX/XXXX. One was for {$31.00} and the other one was an international charge for {$0.00}. As a result, PNC closed my credit card and reimbursed me for these two charges. When PNC issued me a new credit card, they transferred the remaining balance on my old card to my current credit card. The amount of the remaining balance that was transferred was {$360.00}. This transfer occurred on XXXX. 

PNC charged me a late fee of {$27.00} plus interest of {$13.00} both on XXXX. Both of these charges were in regards to my old credit card that I reported fraud on. PNC claims that the payment on my old card was still due on it's original due date and that is why I received these late payment charges. When PNC transferred my remaining balance to my new card, it automatically closed out my old card and thus gave it a {$0.00} balance. 

Even though I had automatic payments set up on BOTH my old and new credit card, no payment was automatically deducted. Also, NO NOTICE was given to me ( neither via email or regular mail ) that a partial payment on my old credit card would still be due on its old due date despite the fact that the old credit card was closed and had a {$0.00} balance. 

Also, when I received my new statement for the current credit card, there was NO MENTION of separate due dates for my balance from my old credit card. 

Since no notice was given to me via mail or email, this should be a violation of Regulation Z concerning credit cards and disclosure acts.
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (OH)

Last year approximately XX/XX/XXXX I paid Mariner Finance a lump sum payment of around {$3100.00}. This was for the purpose of paying off my loan. I considered the matter closed. However, it has come to my attention that there remained a balance of {$87.00}. Now they insist that I owe them {$540.00}. I was unaware that the amount did not match the payoff. I have talked to them at length regarding the issue. I received no emails or regular mail regarding the issue. They claim everything is done with paperless billing. I never set up a paperless billing account?? They have acknowledge that it appears my intent was to pay the loan off in fullbut are telling me my only option is to pay the {$540.00}. I asked why this wasnt reported to the credit collection department and they said because I was paid up till some time in XXXX! So, the account is actively open, Im not late, and no payment is due till some time in XXXX?!! 
THIS IS SOME SHADY LENDING!! PLEASE HELP ME!