davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Management Control, Inc. (FL)

I know CFPB is getting tired of me but until this stops I have no choice. 

I have submitted two complaints to CFPB concerning a medical bill that is not mines that had been reported by XXXX Case Number XXXX & XXXX. It was proven that they had been lying about this file and kept reporting this even though the file had been proven to not be mines and lying to CFPB about them deleting this file. Notice after I proved that they were lying they never responded back. The reason they never responded back was because they were to busy finding another collection agency to report the false file. XXXX sold the file to Credit Management Control and they have reported this in both XXXX and XXXX reports. This is really getting out of hand and I am about ready to take legal action against these people. This medical bill is not mines and it had been proven with XXXX. Why is this file jumping from XXXX collection agency to the next after being proven false?
Consumer complaint received 2016-12-19
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (IN)

I applied for a loan in XXXX 2016 w PNC Bank, their loan # XXXX. The appraisal came back great, 40 % loan to value, and after I paid for the appraisal as well as documents from the condo association ( {$750.00} ) I was given conditional approval per the processor. The last step was the condo association be approved by PNC Bank. After 4 weeks, they decided the would not approve the condo, and closed the file. Finally, on XXXX XXXX. By now, my chances of refinancing are lost because of their processes. Approving condo should have been the XXXX step - not the last. Now I have lost the opportunity to refinance at that rate.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Moody, Jones & Ingino, P.A (FL)

The attorney placed a lien against me in error. They acknowledged that they did this in error after assuming that I was married to the other party involved that they could legally attach the lien to. They told me via telephone and email that even though the debit is not valid, instead of paying them {$2000.00} for the debt I do not owe, I would need to " voluntarily '' give them {$2000.00} for them to remove the lien that they placed against me in error. They also advised me to contact a title company with full knowledge that they were the ones who placed the lien and the title company had nothing to do with it. All of their phone calls are recording per their automated system, so they should be able to verify this information as well.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (OK)

I have unknowingly been paying PMI insurance, an overpayment I estimate to be around {$7000.00}. They said they would refund {$900.00} of that ( about a month ago ), did not, nor did they respond to a demand letter from legal counsel.
Consumer complaint received 2015-10-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

THIS IS BBT BANK 'S NINTH KICK OF THE MULE AND BOY ARE THEY THICK HEADED. AT THE SAME TIME I AM A TOUGH OLE BIRD. BBT YOU REALLY ARE N'T PORTRAYING YOURSELVES AS BRIGHT AT ALL. THE CONSUMER FINANCE PROTECTION BUREAU IS BRIGHT ENOUGH TO REALIZE THAT I WOULD NOT BEAT A DEAD HORSE. YOU ARE TRYING TO SKIRT THE ISSUE BY STATING YOU STAND BY YOUR PREVIOUS RESPONSE. WELL, I STAND BY MINE! THE CONSUMER FINANCE PROTECTION BUREAU REALIZES AS DO YOU WITH YOUR FAKE DECEPTION ATTEMPTS THAT YOU HAVE AVOIDED/ NOT ACKNOWLEDGED THE FACT THAT ( IN ADDITION TO NOT REVEALING WHAT YOU DID WITH THE CONTENTS OF MY SAFE DEPOSIT BOX ) YOU HAVE NOT/REFUSED TO ADDRESS THE ISSUE OF THE SAFE DEPOSIT BOX KEYS THAT I HAVE ARE NOT THE ONES I WAS GIVEN WHEN I RENTED THE BOX AND YOU APPARENTLY ARE REFUSING TO CHECK YOUR CAMERAS THAT WOULD REVEAL WHO WAS IN THE BOX ON THE AFOREMENTIONED DATES-OH WAIT, CAMERAS CAN BE ALTERED/TAPES CAN BE ERASED. THIS CAN AND MAY HAVE HAPPENED BECAUSE THERE ARE ALSO PLENTY OF DISHONEST PEOPLE IN BANKS!! AND NOW YOUR ( BBT BANK ) SENIOR VICE PRESIDENT IS SNEAKING INTO THIS MATTER. WELL, TO HIM/HER I SAY WHAT I HAVE SAID IN MY PREVIOUS RESPONSES AND IN CASE YA HAVE N'T NOTICED I AM NOT TIRED YET-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX!!! SO XXXX, I LOOK FORWARD TO ADDRESSING YOU IN THE TENTH KICK OF THE MULE!!!
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX 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 XXXXXXXX Opened : XX/XX/2018 Balance : {$11000.00}
Consumer complaint received 2016-09-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

On XX/XX/2016, I applied for a Citibank Gitigold Interest Checking Account with a XXXX promotional offer ( XXXX ). The offer was sent to a friend - not to me. I mentioned that detail to the account representative at the time that I opened the account and was told that I still qualified for the offer. I completed the promotional requirements by XX/XX/XXXX and waited 90 days for the points to post. When the points did not appear in my account, I sent a message to Citibank to confirm that I would be receiving the points. Citibank opened an investigation and determined that there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of my account. On XX/XX/XXXX, I contacted their customer service department and spoke to a representative who told me the same thing. 

I understand that Citibank wants to limit promotional offers to targeted customers, but when I mentioned that I did not directly receive the promotional offer at the time I opened the account, I was not informed that I did n't qualify. Further, I did not receive any disclosure in the account opening documents or over the phone that indicated that certain individuals could not qualify for the offer.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HILLTOP HOLDINGS, INC (TX)

Re : Plains Capital Bank in XXXX, Texas Per Plains Capital Bank they stated I had signed up a XXXX XXXX which intended to send money to friends, family, and others trusted. They stated I signed up for this service and I did not. I am XXXX XXXX XXXX. I dont use a computer. They charged my account {$900.00} for this service. I protested and I received a letter just saying the investigation was closed.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (OH)

yes on our sears credit card.like too find out from collections if i can maybe cancel card.cant afford high monthly payments.way too high???? like too talk too collections first before i might close account. please have them call me XXXX XXXX XXXX its my moms account but i have power of attorney too
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-04-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (FL)

I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve.
Consumer complaint received 2015-11-06
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C. (AZ)

i am being garished out of my payroll 25 % very two weeks i can '' t keep up. Gurstel Chargo ( attorneys at law ) have my student loan looking like a Child support case to the courts in STATE OF ARIZONA, XX/XX/XXXX OF EACH MONTH, I PAYED XXXX. XXXX A MONTH UP UNTIL XX/XX/XXXX THEN THEY WANT XXXX SO PLEASE HELP US I CAN '' T PAY MY OTHER DEBT BECAUSE OF THEM
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

My loan home loan for my primary ( only ) home is through BB & T, and secured by XXXX XXXX, and has PMI. I have had the loan for about 6 months and have now paid more than 20 % off. I requested in writing they cancel/terminate my PMI, but they responded that I could not do so since my loan did not have 24 months of payment history ( quoting the Homeowners Protection Act, some protection eh? ). I believe they are in error and should cancel/terminate my PMI as requested. Please assist me in resolving this issue. 

Thank You XXXX http : //www.consumerfinance.govXXXX
Consumer complaint received 2020-10-08
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: Arbor Professional Solutions, Inc. (MI)

XXXX of 2019 I submitted a 609 dispute letter to the company and was sent back a bill this response did not provide me with the information I requested per my 609 dispute letter
Consumer complaint received 2015-09-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (TN)

I HAVE A PRIVATE LOAN FROM A XXXX I ATTENDED, MY MOM WHO IS NOW RETIRED AND NO INCOME WAS THE CO SIGNER. I AM NOW WORKING ON MY CREDIT AND WAS FORWARDED TO A LAWYER WITH NO PAYMENT OPTIONS. SECOND I DO N'T EVEN HAVE A JOB IN THE FIELD I STUDIED. NEED MORE EXPERIENCE THAN DIPLOMA ACHIEVED
Consumer complaint received 2016-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

wells fargo bank mortgages. Are lieying fradulent cheats, i have over XXXX case history complaints with the cfpb since 2012, they have doctered documants,? but i have all the originals that shows them to be lieying cheats, iam going to sue them and also you for allowing them to comitt fraud and perjury and falsifying documants now iam comming for you? 7 day notice of proceedings, the truth will come out and i will show the world how decieptfull you realy are scum
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I started a loan application with Capital One on XXXX16. 
Turned in all required and requested paperwork within the first 5 days. 
Capital One has assigned me a closing date of XXXX16, then canceled with no prior notice to all/any party involved. Capital One assigned another closing date for XXXX16, then canceled with no prior notice to all/any party involved. 
I 'm going to lose this opportunity to purchase this property due to Capital One neglect. 
The seller has been very patient, now I 'm out of time to try and seek a mortgage from another source. I have paid monies to Capital One. 
I need and deserve a response from Capital One, I need them to follow through with my loan before I lose this property.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Recently, a credit card bill came to my house from Capital One. The address was mine, but the addressee name was of no one in our household. I called Capital One to report the discrepancy. They asked me to return the bill back to them and told me that they would take care of the situation. The next month, I again received a credit card bill with the same unknown persons name as the addressee. I called their fraud department again and told me that they have opened up case on this. These credit card bills continue to arrive at my home address to this unknown person.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc (NJ)

XX/XX/XXXX i visited a Freedom Acceptance website ( Affiliated with Military Credit Services LLC ). The reason for this visit was to book a plane ticket to XXXX due to a family emergency I had. Shortly after my return home I was facing financial difficulties resulting in late payments as well as non payments. The company I company listed above filed for a Lien on my XXXX XXXX XXXX account using a court out of XXXX while I was XXXX, this occurred XX/XX/XXXX. The lien was placed on my account XX/XX/XXXX while I was preparing for the XXXX, this made it all the more difficult to dispute. I was unable to follow through with the dispute because I was in XXXX and the court that filed the Judgement was in XXXX. I realized the lien had been placed when I attempted to pay a cell phone bill and was unable to due to the bank account being frozen. While I was XXXX I noticed that my paycheck was significantly lower than It should 've been, this lasted about 6 months while freedom acceptance and military credit services were garnishing my wages ; all while my bank account remained frozen. My concern is that while I was attempting to contact this court and this company in XXXX I was unable to get a response. I would also like to know the legality behind a court filing judgement from another state, although the contract was signed in XXXX. The amount of fees I have paid from overseas as well as the extended financial hardship due to my bank account being frozen and my wages being garnished have taken an incredible toll on my family and I.
Consumer complaint received 2021-01-19
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-19
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

On XXXX XXXX, XXXX, I had a XXXX at a facility calling themselves XXXX XXXX ( located in XXXX, California ). Prior to undertaking this medical procedure, I was informed that my total out-of-pocket cost would be {$120.00}. I agreed to pay this amount and was charged the same following the completion of the procedure, which I promptly paid in full using an XXXX XXXX card issued in my name. On XXXX XXXX, XXXX, I was contacted by an organization calling themselves XXXX XXXX ( also based in XXXX, California ) that claimed I owed {$350.00} for the aforementioned medical procedure and that no payment had been received either on the day of the procedure or in the subsequent four months. After several attempts ( by mail and phone ) to contact this organization went unanswered, I was finally able to speak with a representative of this organization at length in XXXX XXXX and it was agreed by both parties that my payment of {$120.00} on XXXX XXXX, XXXX had fulfilled any financial obligation that I had with XXXX XXXX and that there would be no further attempts to collect the non-existent debt of {$350.00}. And, after not receiving any further notices from XXXX XXXX for over 15 months, I assumed that the dispute had been resolved and the case closed. However, on XXXX XXXX, XXXX, I received a notice from an organization calling themselves Continental Credit Control ( based in XXXX XXXX, California ) in attempt to collect {$400.00} ( or the original {$350.00} debt plus interest of {$59.00} ). At the time of writing this correspondence, over 20 months have passed since the medical procedure in question was performed and I am somewhat perplexed as to why I am still being contacted concerning a debt which I do not owe and would like to be assured that a final and binding resolution to this dispute can be achieved within the next few months.
Consumer complaint received 2022-08-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I pulled my credit report on XX/XX/2022 and noticed there is a debt under my name for a broken lease at the XXXXXXXX XXXX XXXX. The company then sold the account to National Credit Systems. My identity was stolen and used to open this account without my prior knowledge nor my consent. It is affecting my credit as we speak in a derogatory manner. I have submitted a complaint with the fraud departments for all three major credit bureaus and will be filling a complaint with my local police department.
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL (IN)

I received a call at my place of work, XXXX, on XXXX XXXX, 2016 from XXXX XXXX XXXX XXXX. The number used was an inter-departmental phone number used for Emergency Services only. The number is not a published number and is only use by the XXXX personnel for Emergency Information only. This an unacceptable debt collection practice from this company.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX  XXXX bank XXXX reporting inaccurate balances XXXX XXXX  My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (PA)

The company is Credence XXXX XXXX and their phone number is XXXX they called on my son 's cell phone then my husband 's then mine. They would not give me any information on the debt unless they were provided with my mailing address and last for digits of my social security number. I refused to give that information over the phone. As far as I know- I am up to date with all my bills. I did not receive by mail or phone any complaints that I am not up to date with any of the companies I deal with directly. I believe they are a scam because if I owed money and this was a legitimate company they would already have my mailing address. They call frequently and leave no voice mail messages. Please see if you can investigate them if there are any other complaints. 
Thank you
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanSnap, Inc. (SC)

Went online to look for best rate available they advertised a 30 year fixed rate on lending tree at 1.99 % APR. XXXX XXXX app took me over to LOANSNAP to apply for the loan. I wanted a lower rate and I wanted to remove my PMI form my loan. I have excellent credit and I have very good income. I am in the mortgage business. 

What they are doing is a classic bait and switch. 

I spoke with XXXX at LOAN snap by TXT  and he went on to advise me that they do not update their rates at Loan snap on the l XXXX XXXX  porthole for months and that that rate is not available to anyone. To be able to speak with a loan officer h you have to upload your w2 's paystubs, mortgage statements, and insurance information. Last txt I received was that they didn't have any programs that would provide a tangible benefit for me. 

Twice in the txt I had with them they say their rates they advertise are not current and not currently available. 

They completely wasted my time and they do not have the products they are advertising.