davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

In XXXX 2016 I paid my Bank of America Credit Card my house payment which gave me a credit balance. I received a late payment letter from Bank of America Mortgage. Then I realized what I had done I called Bank of America Credit Card and they said they would forward the money to the mortgage group. I called the mortgage group to let them know what I done and they said they would put a note on my account. I then get a foreclosure notice for being one month behind because the money had not been forwarded to the mortgage department. I call the mortgage department and advise them again what had happened and again they state a note would be put in my file. I then call Bank of America Credit Card and they tell me it had been forwarded to the mortgage group. I then call the mortgage group and they tell me they did not receive it however they would check into it and get back with me. Then I receive a letter from XXXX XXXX a debt collection agency and they are taking over my loan. Then I get notification that my credit has been adversely affected by a 30 day late report from Bank of America. So called Bank of America about this and they say well it was late and they are not going to do anything about it.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (WI)

They are trying to charge me for service that they were unable to render to me. after three months of having them come to my house to install and fix the service that they were trying to render to me I had decided to disconnected my service with them. Now that account is in collections I have contacted the collection agency I did a written dispute in detail and now have to deal with unnecessary collectors.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I spoke to a rep at Bank of America in XXXX and was told, because I had a complaint opened with an executive services department and was waiting for a resolution, I was unsure how much my monthly payment should be. I was advised of the amount to pay, paid it, then received a mark on my credit report showing a late payment for XX/XX/XXXX. After attempting to correct this with multiple representatives, I was put in contact with someone new from their exective office who sent me a letter, in registered mail, that basically said, as per the law, they were required to report me as late in XXXX.. Case closed. This is UNACCEPTABLE
Consumer complaint received 2015-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX in XXXX Texas is in Retaliation because l terminated my home and auto insurance and went with XXXX XXXX XXXX for both my home and auto. 
XXXX XXXX was cancelled on XX/XX/2015 because of insurance coverage on my home and car. 
My home and car was n't fully coverage and there was loopholes on my contract with XXXX XXXX. 
XXXX XXXX XXXX Agent XXXX XXXX XXXX in XXXX XXXX Texas educated me and fully implemented full coverage on both home and auto without no loopholes or overcharges. 
In due of respect to Farmers Insurance Agent XXXX XXXX that 's XXXX, she did n't look for my interest as a consumer and XXXX. 
I am on XXXX and Retired and on a fixed income. 
XXXX XXXX is also in Retaliation because l filed complaints against XXXX XXXX in XXXX Texas. 
I am protected under my XXXX XXXX act. 
I am not disrepecting XXXX XXXX but l had issues with them since l subscribe Home and Auto insurance starting XX/XX/2015.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MS)

XX/XX/2021 at the approximate time of XXXX XXXX. I went inside the Wells Fargo Bank located at XXXX XXXX XXXX XXXX, XXXX, Mississippi to pay the complete balance of a loan account, last four digits ending in XXXX. The teller, XXXX, name located on the receipt completed the transaction. I gave permission to her to take money from my checking account to pay off the loan. The loan balance was in the amount of {$2200.00}. Instead, she had taken the amount of {$2900.00} from my account and placed the payment on the loan amount. After the transaction was completed I left the bank. At the end of the day and after I completed a number of errands I noticed the amount on the receipt. The amount of {$2900.00} is the incorrect amount. The correct amount and the final settlement is {$2200.00} which is stated in a letter from the Wells Fargo Bank, dated XX/XX/2021. 
I contacted Wells Fargo Bank at XXXX XXXX, XX/XX/2021 until XXXX XXXX. talking to numerous tellers and representatives to correct the problem and return the over payment of {$750.00} to the checking account. A representative advised that it will take 45 days to return the funds to the account. 
Finally I requested to speak with a Compliance Officer at the bank and XXXX XXXX and a person by the name of XXXX XXXX XXXX - last name spelled the way that I heard it ) replied that they have an Escalation Department. 
I am in dire need of my funds. Please help me to have my funds returned to my checking account immediately. I have no income to pay utility bills, house payment, etc. basic essentials.
Consumer complaint received 2016-04-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I WENT TO MY BANK ATM MACHINE TO WITHDRAW MONEY FROM MY SAVINGS ACCOUNT PER THE POSTED DISPLAY SCREEN ALLOWING ME ONLY XXXX TYPE OF WITHDRAWALS WITHIN THE BANK STATEMENT PERIOD AFTER THAT I COULD BE CHARGED A FEE DO YOU WANT TO CONTINUE QUESTION ( YES or NO ) I PRESSED THE APP FOR YES BUT THE BANK FROZE STOPPED MY CUSTOMER OWN FUNDS WITHDRAW PEOPLE WORKING IN THE BANK AND DO NOT HAVE EXPERIENCE IN BANKING SYSTEM AS POORLY TRAINED I HAVE RIGHTS I AM THE CUSTOMER. THE BANK IS MAKING THIS A PERSONAL ISSUE AND RETALIATING PLEASE REMEMBER I STILL HAVE ALL LEGAL RIGHTS TO PURSUE A CIVIL ACTION IN THE APPROPRIATE COURT OF THE LAW, THANK YOU.
Consumer complaint received 2015-09-30
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MD)

The XXXX mortgages below attached to the title of XXXX XXXX XXXX XXXX, XXXX, md XXXX, were never erased from the title. We have been working to get the title cleared for 3 months with no success. Please help. 
1 XXXX Ocwen $ XXXX opened XX/XX/XXXXWas originally XXXX assigned to gmac XXXX XXXX XXXX XXXX XXXX bank to XXXX bank ( purchased by XXXX XXXX XXXX {$63000.00}. XX/XX/XXXX. We got a response from XXXX XXXX on XXXX. They ca n't find it.
Consumer complaint received 2016-10-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I keep getting a certain debt collector call me from Virginia saying I still owe money but am not longer going to be sewed bt Capital One. Apparently it was an account opened in XX/XX/XXXX and some payment was made in XX/XX/XXXX. I do n't understand.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2016 I went to bank of america and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I have been mislead by Citibank and spent $ XXXX/months thanks to the promise of a sign-up bonus that they are eventually denying to me. 

I have opened a high fee checking account ( CitiGold ) on XXXX XXXX XXXX with Citibank under the promotion code XXXX, which entitles to receive XXXX TY points after meeting the eligibility requirements ( " Within 60 days after account opening, one qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. " ). I applied on the dedicated Citibank website ( XXXX ) with the promo code and fulfilled these requirements in due time. As the points were not showing on my account, I contacted a citibank customer service representative, who checked my account and confirmed that I met the requirements and the points would be awarded to me at most 90 days later. 

After receiving that confirmation, I did not worry about it and happily continued spending the monthly fee of {$30.00}. In XXXX XXXX, 6 months after opening the account and still not seeing the points, I contacted citibank one more time. Now Citibank is telling me that I was never eligible for the promotion. Moreover, Citibank is ignoring the fact that one of their representatives told me I was eligible, that I had met the requirements and that the bonus was coming. 

Citibank lured me into signing up for a CitiGold account with an attractive sign-up bonus, charged me a high monthly fee, without delivering the promised reward. After numerous message exchanges ( I sent 5 compensation requests so far ), it is now clear that Citibank will not resolve the issue without external support. Therefore I am filing this complaint with CFPB.
Consumer complaint received 2022-09-05
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. (FL)

Please remove collections and charge offs from XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

I have a consolidated loan with Navient. My minimum payment for the course of the loan was {$190.00}. The last XXXX years I have paid more than the minimum payment. I recently called to return to my original payment and I was told that is impossible without applying for a new loan!
Consumer complaint received 2017-03-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Santander Consumer USA Holdings Inc. (PA)

Santander consumer USA..they 're a bunch of crooks. I 've been paying on my loan for over a year and my payoff amount is greater than car purchase price with XXXX down. And it cost me a XXXX dollar fee to pay my bill. It 's just crazy, is n't their a consumer protection law ... this company is extremely greedy and are making the poor poorer.
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

i tried to apply for a loan and was told i had a returned check for {$25.00}. i applied at the only bank i use and they know ive never had a returned check so we are both cconfused as to why this is on my report? i also contacted the supposed place i had the returned check and they looked into their records for this time frame and they have no record of any returned checks. this is an obvious error.
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (TN)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are stating that I was late when in fact I wasn't..Please delete this negative information reporting on XXXX XXXX, XXXX XXXX,
Consumer complaint received 2015-04-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX rewards card transferred to Capital One. Have not received new card or account number not able to pay account balance under old login and not able to pay on new account without knowing account/card number. Have been called repeatedly, XXXX times per day, and outside of normal business hours.
Consumer complaint received 2021-06-04
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 WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNT ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT, I HAVE FILED A POLICE REPORT AND A FTC REPORT.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XXXX XXXX, XXXX case number XXXX from SLS Morgagae That I did not pay Ferbruary XXXX XXXX payment to XXXX Bank I did make a payment on XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are.. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. 

The following inquiries are.. 

XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX XXXXXXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I just contacted Equifax about inquiries that I reported as fraud and was told to send an FTC report. 
I sent a report via fax XX/XX/XXXX as I was directed to do so. I contacted Equifax to verify receipt which they said they had not on XX/XX/XXXX. I then sent a letter certified mail which they received XX/XX/XXXX. 

I person I spoke with stated that had not received either of the copies I sent out to them.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

I have sent a debt verification for a cell phone line of XXXX who sold the alleged debt to a debt collector. I sent a debt verification letter to both XXXX & the debt collector, and received a return to sender from the debt collector and no response from XXXX six weeks ago. I would like this debt to be removed because XXXX companies have been unable to verify the debt.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Account Name : Account Number : 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 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, someone sent me a XXXX payment of {$800.00} to my CapitalOne negative account by accident. That person wants their money back. I wish to give it back to them but since my account went from negative {$790.00} to + {$0.00} I do not have sufficient funds to return the XXXX payment. CapitalOne will not return this individual their funds and after my dispute with them, their investigation team " found nothing wrong with the transaction. '' I do not have any money to give to them, CapitalOne has robbed that person of their money. Please give this person their money back they are consistently asking me for their money which CapitalOne has. I am fully aware that once Capitalone sends this person their money back my account will go negative again, that is fine and as soon as I get a job I will bring my account back to good standings. The covid19 pandemic has really affected me financially and this has caused an even greater issue. I am unemployed and have 0 income and 0 ability to give this person any money from my own pocket. CaptialOne, believe return this money to the person. XXXX makes it clear that if you send a payment to the wrong person they by no means are required to send it back, however in this case, I am 100 % willing to give it back but the money is in CapitalOne 's hands and they are rejecting to return it.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MA)

Citibank is calling my XXXX yr. old grandparent 's house about 6 times a day. They are on a limited income. They have spoken about lowering the payments but, they continue to call. It 's very upsetting to them. I 've tried to speak to them myself but they are very rude and then they hang up. What can I do to resolve this issue.