davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

Mortgage company, Caliber Home Loans, is not interested in helping me keep my home which has been my primary residence for 23 years. They have offered {$13000.00} relocation assistance if I did a short sale. I agreed. They would not accept any reasonable offers and in fact would only accept $ XXXX after ordering two appraisals of my property and disregarding the lower appraisal even though this amount is more than my loan balance by almost $ XXXX. While a short sale contract was pending, Caliber offered {$13000.00} relocation assistance if I would sign a deed in lieu. After short sale file was closed on XX/XX/XXXX, I called to accept deed in lieu offer on XX/XX/XXXX and continued to call for several weeks. On XX/XX/XXXX, Caliber called but only to tell me that my home was now in foreclosure with a sale date of XX/XX/XXXX and I had no other options since foreclosure status placed on my account on XX/XX/XXXX. My attempts to negotiate any solution other than foreclosure have been ignored. I called XXXX at Caliber on XX/XX/XXXX in an attempt to apply for a loan modification and was told by her that the only thing I qualified for was the foreclosure and she refused to send me an application for a loan modification. I was never offered reinstatement options or given an amount to satisfy the loan or bring the loan current. In fact, I have never received written notification that the short sale was denied or given a timeframe to seek other solutions prior to foreclosure sale date. After talking to XXXX at Caliber, I researched my deed records and discovered discrepancies in the assignment transfers on my original Security Deed. It appears that Caliber nor its investor has the right to foreclose on my home due to the original loan documents being unavailable as the original lender went out of business. The Uniform Closing Dataset was not accurate due to the original loan documents being no longer available to properly record any subsequent assignments. See attached Affidavit of Assignment. Caliber filed an Assignment of Mortgage Security Deed on XX/XX/XXXX but called it a " Corrective '' assignment indicating that a prior assignment was properly filed and recorded. See attached Corrective Assignment of Mortgage/Security Deed. This was obviously filed in an attempt to be able to foreclose on my property.
Consumer complaint received 2018-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My difficulty involves a Release of Lien that was never filed by my previous mortgage company, XXXX XXXX - Wells Fargo.

Now I am in urgent need of refinancing my home to get money out of it, and the Title Search shows this lien. This paperwork was never completed by the previous mortgage holder XXXX XXXX aka Wells Fargo. The lien was paid off when I refinanced my home in XX/XX/2004. They show the pay off date as XX/XX/2004. When they were paid off, somehow the Release of Lien never was filed with the XXXX  County Courthouse in Texas. I contacted Wells Fargo and I was informed that they would research it, a process that usually takes 30 days but they will try to get it done faster. The nice lady told me that faster will be by the end of XX/XX/XXXX and then another 7-10 days to get it to me. This is much to long a process. I need this done immediately and it should have been done nearly 14 years ago. On top of the long wait, I don't know if I am going to receive a copy of the 'filed ' Release of Lien or the original Release of Lien that I must then go file myself, a service which they probably charged me for many years ago.

When I made a payment late, they charged a late fee. I should get to charge them a late fee with interest for this 13 year 11 month fiasco.
Consumer complaint received 2021-03-24
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. (MI)

XX/XX/2021 Dear Consumer Federal Protection Bureau, Please be advised that I have never filed a complainant against a credit card company ever before. 

My XX/XX/XXXXaccount mainly serves as a vehicle for XXXX XXXX Purchases which ends in the number XXXX was compromised with XXXX XXXX Visa card by XXXX with an unauthorized charge against my citi-card credit card on XX/XX/2021 by XX/XX/XXXXONE TIME FOR A TOTAL CHARGE OF {$540.00} DOLLARS. 

This unauthorized charge by DISH NETWORK WAS NOT APPROVED BY THE COMPLAINANT NOR DO WE KNOW HOW DISH OBTAINED MY XXXX XXXX XXXX XXXX VISA CREDIT CARD. 

This compromised security breach of XXXX XXXX XXXX XXXX VISA XXXX XX/XX/XXXXhad caused harm by suspending my purchases opportunity at XXXX XXXX AND RECEIVING A CREDIT REPORT ACTIVITY ALERT FROM MY DISCOVERY CREDIT PROGRAM. MY DISCOVERY IDENTITY THEFT MEMBERSHIP HELPS ME STAY INFORMED ABOUT THE CHANGES TO YOUR CREDIT REPORT. RECENTLY, DISCOVER IDENTITY THEFT PROTECTION PROGRAM RECENTLY, DETECTED ACTIVITY THAT NEGATIVELY IMPACTED DAMAGES TO MY CREDIT HISTORY SINCE XXXX XXXX XXXX XX/XX/XXXXVISA CREDIT CARD SENT OUT THIS DAMAGING REPORT THAT MY CREDIT CARD WAS OVER LIMIT. 

I had called theXX/XX/XXXXrepresentative to report this illegal unauthorized charge and the representative stated they would remove the {$540.00} dollar charge and re-issued another credit XX/XX/XXXX XXXX Visa XXXX which arrived in the mail on XX/XX/2021. 

I had talked with the XXXX Representative on XX/XX/2021 regarding my suspension of charge card privileges and my credit report negative activity alert which I explained has damaged my credit card history by all 3 credit bureaus, includingXX/XX/XXXX credit agency. The XXXX Representative says they can not do anything about there negative reporting against me that I am over my credit limit to 3 reporting credit agencies. 

XXXX Legal says they are investigating many other complainants, some class action ( s ) investigations surrounding these issues and randomly lowering customers credit limits without notification to the customer card account owners causing hardships and other financial penalties which do occur. 

I pray that the Consumer Financial Protection Bureau will order XX/XX/XXXX to remove there false negative credit reports to all 3 credit bureaus due to XX/XX/XXXX Compromising my credit information and allowing XX/XX/XXXX the capability to approve this illegal unauthorized one time charge of {$540.00} dollars. PLEASE INVESTIGATE CITI-CARDS POLICY AND PRACTICE TO APPROVE THERE UNAUTHORIZED CHARGES AGAINST CITI-CARD CUSTOMERS. 

THIS NEGATIVE FALSE OVER THE LIMIT REPORTING HAS CREATED DAMAGED MY FINANCIAL OPPORTUNITY TO RE-FINANCE MY HOUSEHOLD MORTGAGE AT A MUCH LOWER RATE OF INTEREST. 

I HAVE A CREDIT RATING IN THE LOWERE XXXXXX/XX/XXXXRANGE. 

THANK YOU AND XXXX BLESS.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been disputing this account for 6 months with XXXX XXXX, Transunion, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (HI)

The JP Morgan Chase & Co Auto Loan automated system incorrectly reports the amount owed. ( I have an audio recording available, attaching below ). The automated system stated that I owe {$280.00} total payment ; while the collections department contacted me the same day stating that I owe over {$500.00} total and one is 30 days behind. The automated system is behind on reporting the correct amount. On my previous call in XXXX the system did not report any payment due at all. Incorrect information on the automated system caused the delay in payment and was now reported to the credit bureau impacting my credit score by a 100 points and resulting in fees on my account. 

The customer service department failed to address any concerns regarding the automated system not matching what they were saying. 

This is my first missed payment of any kind in 10 years and as a creditor the automated system should report the correct information so consumers can rely in that information to make timely payments. 

It's an unfair and deceptive practice to state a smaller amount owed in the automated system and subsequently charge fees and negatively impact the customer 's credit score if the he/she was misinformed on the amount owed by the Chase Auto loan Automated system.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

Brandsource Citi/CBNA appears on my credit report showing that an amount is due and owing of $ 4700+ yet no one, via any number, at XXXX XXXX Brandsource, or any other such company is able to find any such account nor receive any form of payment to rectify this negative account on my credit report. I have disputed this account twice and each time the same information is upheld. On the second dispute XXXX  simply used the same information from the previous dispute and never reattempted a resolution.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA (MI)

I was the victim of identity theft and a fraudulent GS Apple Card was opened in my name. In a previous CFPB complaint # XXXX from last year Apple Card admitted the account was fraudulent and agreed to remove the tradeline from my credit report. The account is still showing in my XXXX credit report.
Consumer complaint received 2022-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank has been contacting myself, parents, wife, uncle, niece and even my wife 's place of employment about paying my credit card debt. I make payments as much as I can as regularly as I can and have sent them messages through their online contact system at least twice to tell them not to call or contact anyone or any number except for my cell phone and they will stop for a month or so and then start up again. It's rude, harassing and embarrassing and has made me never want to have any credit relationship with Comenity again and I steer anyone looking for credit away from them. Please make them stop contacting others and just stick with my contact information. Thank you!
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (CA)

XXXX XXXX I signed up for a membership to XXXX XXXX  for {$42.00} a month. The next day I tried to contact them to cancel my membership due to the fact that visits were extremely limited and reservations were required for limited time blocks due to the pandemic. This was not explained when I signed up. I tried calling several times leaving voicemails with my information and the reason I was calling. I did not receive a call back or any response. I called the corporate office to see if maybe they could do anything but I was told I needed to go through guest relations. So I emailed them and finally received a response back on XX/XX/XXXX, with a case number XXXX. I waited a week to hear back from them but no one contacted me. I emailed them a couple more times and finally received another email from them with a different case number XXXX. Again I waited for a response. By this time my credit card was charged once again for a service I wasnt using. I emailed them again on XX/XX/XXXX and informed them payments would be stopped since XXXX XXXX received a response from them. Still no response. XX/XX/XXXX XXXX received an email from XXXX XXXX  requesting I contact them about payment to my account, HOW!! The next email I received was XX/XX/XXXX, asking me to contact guest relations because they needed my help to update payment information. I attempted to call WITH NO response. Then on XX/XX/XXXX, I received a letter from CACi stating my account had been turned over to them for collections. I emailed them to dispute the validity of the collection XXXX. No response from them as well. I called CACi and spoke with a representative and explained the situation to him. He said they received my email and sent an email to me but it was an incorrect email. How is that possible when I emailed them from my email address?? So he updated my email and told me they would get back with me. I never received an email, phone call or letter in the mail from them with a response. Then XX/XX/2022, I noticed a new collection on my credit reports from Consumer Adjustment for the amount of {$610.00}. 
WHAT!! How is this even legal. And where did they come up with that sum?? Now I have been back and forth with all three credit bureaus for the past XXXX months disputing this collection. I have submitted documents and called the credit bureaus without resolve. Please help me to resolve this matter and remove this collection from my credit reports.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (VA)

Jefferson Capital Systems bought this debt from original creditor XXXX XXXX this has been on my credit for 8 1/2 years and its still damaging my credit after 7 years it's suspicious and sposed to come off please help me these people are crooks
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Have been receiving calls daily from Cash Central requesting my information such as ss # and address. I repeatedly told them I have not ever done business with them and to not call me. Calls persisted. They even contacted my brother to ask me to call them. 
Today received email from credit monitoring to review my account due to activity. I noticed XXXX with a balance amount of {$3800.00} which I never took out. States on report that account was open on XX/XX/XXXX, 2017. Once again, I never took out a loan or have dealt business with this company..
Consumer complaint received 2021-07-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arena Investors, LP (GA)

I have reached out to the company and specifically requested that they call me XXXX my personal cell number ) about debt owed and I even provided my cell number to them in which they acknowledged they will start calling me directly but instead they keep calling my job every day, leaving the same message and its creating conflict for me at work. I simply ask that they stop calling my job and just call me directly.
Consumer complaint received 2017-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Bureaus, Inc. (TX)

Hello, Recently I noticed a debt for collection on my credit report that is not mine. It states that the original creditor was XXXX. I have several current and closed accounts with XXXX and I do n't have one in collection or have I ever had one in collection. I am unsure on whom I should contact as the account number is not complete.
Consumer complaint received 2017-04-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

I sent two requests to this company requesting they provide verification of this debt. Each response provided does not provide the requested documents needed to confirm this is in fact my debt. In fact their last communication accused me of submitting a frivolous request when this company has the obligation to validate this debt I say I owe. I am making a request that is within my rights.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (CA)

The interest rate on my federal student loans is so high that I literally can not pay them down ( 8.5 % ). My total debt has increased from {$66000.00} to {$86000.00} in only 5-6 years, and I make monthly payments diligently ( nearly $ XXXX/month ). I attempted paying ahead by a month, to see if that would affect the accruing interest, but it has not changed anything. The monthly payments are already high enough to keep me living paycheck to paycheck, and I feel I may never be able to afford a house or a family in this lifetime. The educated future of the United States is being robbed and tossed aside. 

SOMEBODY PLEASE HELP US!
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XXXX/XXXX/2022, I deposited, through the mobile app, two small checks from my small business account to my personal banking account for ~ {$1500.00}. XXXX notified me after the deposited that there would be a hold placed on the two deposits for 1 week - inconvenience but fine. 

The next day, XXXX places a hold on my entire account, locking me out of online banking, blocking any transactions ( regularly scheduled bills ), denying me access to my funds already in the account. 

On XXXX/XXXX/2022, I called XXXX customer service and they confirmed they locked my account due to the check deposits. And thats just how XXXX does it. 

I have never been accused of depositing fraudulent checks, nor do they say these two checks are fraud. They are unilaterally blocking my account without ever accusing me. Minus the absolute inconvenience as I prepare to travel, this will eventually cause me to gain returned bill payment fees for things already scheduled.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX {$300.00} was withdrawn from a joint checking account with my wife for payment to SSA Treasury. On XX/XX/XXXX, {$170.00} was withdrawn from the same checking account for payment to Treasury. The reason I was told is that my father needed to repay a SS check that was issued to him in error after his XXXX. I was told the bank had the authority to go into a joint account with my wife since I had a joint account with my father. I was also told that they could so without any notification on the banks part. 
I have asked on 2 occasions that they provide to me in writing the rule/regulation that allows them the authority to do the above and what authority allows them to do so without notification. 
The bank has not provided that letter after 2 requests. 
The bank is Santander Bank. 
The joint account is XXXX and XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/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
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Referencing Complaint ID XXXX and XXXX. I have been trying to resolve a duplicate transaction issue with Capital One Bank for more than 7 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my XXXX XXXX  account ending XXXX from someone elses account at Capital One Bank. I notified XXXX and Capital One of this and XXXX XXXX  reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed by Capital One, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Capital One Bank, they directed me to talk to XXXXXXXX XXXX  Capital One stated that they would be able to fix the issue if XXXX issued a letter of indemnity. XXXXXXXX XXXX  has requested payment from Capital One twice, and Capital One REJECTED both requests. Ultimately, Capital One Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called XXXXXXXX XXXX  and Capital One Bank weekly. I am extremely frustrated that this entirely fixable problem has gone unfixed. Capital One Bank 's customer service is completely unacceptable and unhelpful. I am extremely disappointed because I have a {$790.00} reversal charged to my XXXX credit card when I have already sufficiently paid my credit card balance, and Capital One Bank will not agree to work with XXXXXXXX XXXX  to resolve the situation. 

To resolve this problem, I would appreciate if Capital One Bank would work with XXXX XXXX to send the {$790.00} funds back to my account. Once this is resolved, I plan to close my Capital One Bank credit card account and terminate my relationship permanently with Capital One Bank. The unprofessionalism and incompetence that I have encountered at Capital One Bank is absolutely unacceptable, and I am appalled that this seven-month perpetuating issue has not yet been resolved.
Consumer complaint received 2017-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (IN)

XXXX XXXX SOLD TO FRANKLIN COLLECTION SERVICE, INC  CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED