davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

I had a loan through Chase Bank that was heading into foreclosure in XXXX but I sold my home ( for more than what I owed ) before that happened. I recently learned ( while applying for a loan ) that my previous mortgage is being reported by both Chase Bank and XXXX XXXX under two different loan numbers, which to potential lenders appears as two bad past mortgages instead of just one. XXXX XXXX was handling the foreclosure and I let them know in XX/XX/XXXX that I had accepted an offer on my house with an XX/XX/XXXX closing date. On Chase Bank 's behalf, XXXX XXXX provided instructions ( dated XX/XX/XXXX ) to issue the payoff to Chase Bank in the amount of {$680000.00} which included additional interest ( in the amount of {$4400.00} ) calculated through the end of XXXX. The property closed as expected on XX/XX/XXXX and XXXX XXXX says they sent the funds via XXXX XXXX  next day delivery. <P/>I 've attached an eleven page complaint that I filed with Chase Bank on XX/XX/XXXX. Today, XXXX XXXX ( Chase escalations ) called and told me that since Chase can not find where they received the funds, there was nothing he could do to help and suggested I reach out again to XXXX or XXXX XXXX  XXXX. <P/>I learned that sometime between XXXX XXXX and XX/XX/XXXX Chase transferred my loan in the amount of {$680000.00} to XXXX XXXX after it had been sold, closed and funded. I also reached out to XXXX  XXXX XXXX and learned ( for the first time ) that on XX/XX/XXXX XXXX XXXX returned the XXXX XXXX check ( made payable to Chase Bank ) and requested a new one to be issued to XXXX, almost two weeks after the closing date. I 've attached copies of the XX/XX/XXXX correspondence from XXXX XXXX 's. On previous telephone conversations with Chase Escalations, I was told that their notes indicated an XXXX XXXX letter informing me of the loan transfer but they could n't find a copy. Today, mysteriously they were able to find a " Goodbye '' letter dated XXXX XXXX. I do n't have a record or recollection of receiving that letter and it 's apparent Chase did not inform XXXX XXXX prior to the XX/XX/XXXX closing date either. Additionally, the " Goodbye '' letter advises payments made after XXXX XXXX be sent to XXXX but the property closed on XXXX XXXX. <P/>I realize that loan servicing transfer 's are common practice but it 's not my fault that Chase Bank and XXXX XXXX failed to communicate with one another. This loan never should have been transferred to XXXX since both Chase and XXXX XXXX was made aware of the sale in XX/XX/XXXX. It 's obvious that someone sat on the payoff check for almost two weeks. I called XXXX today but the agent could barely speak English and was no help, nor could she offer advice for resolution.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was selling my car on XXXX. A potential buyer contacted me via text, followed by a phone call where we closed the deal at XXXX. It was for a 1969 XXXX XXXX. Buyer sent me a check telling me to wait for funds to clear before shipping the car. A few days later all my accounts are closed and assets frozen. Since then this has been damning. I cant open a regular checking account anywhere. Im not a check expert or fraud expert. I was selling my pride and joy just to get taken for a ride myself. Luckily the check bounced before I shipped my car but nonetheless Im stuck holding the bag as if im the criminal. This is not fair, and is taking a huge toll on my life. Please help. Thank you
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK (AL)

My husband and I are in the process of doing a refinance on our home and have been placed on hold because they found an account that should not have been on our credit report from Discover Card we have not had a Discover card in almost 10 yrs and we were unaware of any problems until now we never received any billing statements I also have been keeping track of our credit report for several years and discover card was never on there until now and we did a refinance on our home back in 2015 and it was n't there then either I feel as if I am being ripped off and I can not believe such a large company feels the need to lie and steel from low income familys
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

Approximately six months ago, citi requested that I change the email on my credit card accounts. I asked them to make sure that the email got changed correctly on all of my citi accounts and they assured me it would be. This was important because I only receive email statements and not mailed statements. However, citi failed to change the email on one of my accounts. After that, I no longer received email statements for that account and the account no longer showed up on my online account. Because I was not receiving statements and it did n't appear on my online account, I was unaware that an annual fee had hit and I owed money. After I missed a payment, citi began calling me. I returned their call and asked them to go through each of my accounts with me and ensure they were all fully paid and in good standing. We spent approximately fourty-five minutes on the phone and went through each of the accounts they had on record for me. They assured me all of my accounts were in good standing. However, I continued to receive calls from Citi. When I picked up the phone, they said I had an account past due. This was despite the fact that I had just called citi and they had assured me all my accounts were in good standing. Apparently, even Citi had failed to locate this account. Because this account was over thirty days past due, Citi reported the late payment to the credit bureaus. However, the late payment was due solely to Citi 's forcing me to change my email address ( thereby making me reset my online account ), Citi 's failure to change the email on this account despite assuring me they had, and their failure to locate my account when I called specifically to ask about it. Months ago, we spent hours on the phone witht them trying to get online account access straightened out, and Citi was unable to get this straightened out, resulting in this late payment that due to their poor systems, even they did n't know was owed.
Consumer complaint received 2017-01-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

The XXXX XXXX XXXX department of Santander Bank requested the renewal policy for a flood insurance of my condominium. I submitted my proof of insurance after few days that I received the request on XXXX XXXX, XXXX. I received a second notice and I immediately sent the same information again by fax and mail. In XXXX XXXX, XXXX, I received a note that the company forced me to acquire a flood policy and charged me {$2500.00}. I called many times and left many voice mails to the number provided by the XXXX XXXX XXXX department ( XXXX ). I sent by email the proof of insurance as well as the declaration page on XXXX XXXX and XXXX, XXXX to the customer service dept. and to the local branch who indicated that they will forward this information to the XXXX XXXX XXXX department. I opened a formal internal complaint about this case through the customer service area, however it was completely ignored. In XXXX XXXX, I faxed again all the documentation to the same Consumer Loan Servicing department ( XXXX ) as well as to the customer service office of Santander bank and I mailed the same documentation. In XXXX XXXX, XXXX, I visited the branch and talked with the branch manager about this problem.One of the managers mentioned that all the documentation was sent the first time that I submitted the information in XXXX XXXX. 

My main problem is the complete lack of response and consideration of the XXXX XXXX XXXX department. They never responded to any of my communications by phone, fax, mail or email, and they charged me an unjustified and unnecessary premium. I have also wasted a significant amount of time complying with a routine requirement which is easily satisfied with a simple form.
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MA)

I sold our home had a buyer Citimorgage could not get the amt of pay off correct I got an extension from my buyer they still could not come up with the correct amt even after I sent them copies of there paperwork, I was in chapter XXXX I went to the trustee and he release the house for me to sell in again then Citi sep in and foreclosed, i got an attorney to ask for them to give me 90 days to resell the house my broker sold it the first time in less than 20 showing and we had people still interested they said no and that was as far as I could get because I ran out of money for an attorney.went to court had n agreement which they have not kept and I have to be out XXXX XXXX my husband is XXXX and I am over XXXX I do n't know wwhat else to do then at the foreclose sales the number they had was different than they gave me and sold it for more.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I received a credit report alert from XXXX that a public record is being reported on my Equifax report.Equifax removed the bankruptcy on my credit file in XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a woman by the name XXXX XXXX she was very pleasant, after explaining the incident I was told to fax all documents in supporting my claim. I explained to her that all that was on file to only be told to fax again. Called back because I misplaced the fax number and spoke with an XXXX I was told by XXXX that she could n't speak with me because I was being presented by an attorney and I explained to her that that was n't true. After going back and forth she said she could dispute the item and when I said ok she placed me on hold and then said she ca n't because she does n't have to because it 's within a " 10 day '' period. I explained that I was never notified that the bankruptcy was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. '' I was told that the investigation was just concluded in which it was 90 days later. XXXX could 've been new to her role because she did n't know what XXXX she was talking about she kept placing me on hold. Their customer service is horrible and that 's why they 're getting sued. Basically, My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation notice on the last document it states contact XXXX but the document before that one is from XXXX.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MD)

Going back to XX/XX/XXXX/XX/XX/XXXX when i was laid off from my job i went to Citimortgage for a modification for my main loan and my secondary loan, i asked them to modify them both and to combine them to assist me with being able to afford to keep my home. Citimortgage only modified the main loan, jumping to XXXX, the modification request i put in in XXXX they finally decided to work on without my knowledge, and thus stopped applying my payments to my account, yet my account has accured late fees of over {$100.00}. yet i have records showing that my payments that are due by the XXXX of each month, but no later than the XXXX where sent by my bank, just not applied to my account, by Citibanks choosing as they tried to process a decade old modification request. I never received any decision or notice to why they never approved or denied my modification for this loan in XXXX, yet now i am being penalized with late excessive late fees. At this point i am frustrated and dont know where to turn to make this right, it just appears i have no support in the federal government against unethical and possibly illegal mortgage companies. In XXXX after i turned my home to a rental property, Citimortgage sold the main loan to a company called greentree without my knowledge, so why i continued to send payment to citimortgage my alleged new account with XXXX became delinquent. by the time i fixed the issue, my loan was then sold again to XXXX. I first dont understand how loans that i am responsible for paying can be sold without me knowing or even agreeing to, but yet Citi kept the smaller loan and appears to be mismanaging it.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (GA)

Equifax Issue - spoke with a salesperson to understand their credit monitoring services. Hung up, did more research and signed up online. When specific feature I was promised was not available, I called Equifax back. They indicated I needed to signup for a more expensive service to get the feature I wanted. I agreed, then Equifax ' system went down and they could not upgrade me. I asked to speak to a supervisor. I spoke with supervisor on my signup challenges and in the discussion found out Equifax solution did not have the specific feature I wanted. Supervisor agreed to give me a refund. Never received refund. Called back and was told that my credit had been rejected because I signed up on line. If I had signed up by talking to a salesperson they could have processed my credit. In other words they do not stand behind their product or salesforce or they are calling me a liar. Hard to understand how a credit bureau who reports on others integrity does n't have the integrity to stand behind their sales team - and by the way I had the salesperson 's name.
Consumer complaint received 2017-05-30
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. (MN)

In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for th e 3rd ti me and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for XXXX XXXX and Equifax to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and XXXX XXXX is reporting an incorrect amount. I have attached documents for proof.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

Pennymac is not acting in good faith, and are ignorant to my complaint, they are reporting a negative account under my name with no history. Despite several attempts to correct it and advising them that it 's not mine.
Consumer complaint received 2017-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (KY)

US BANK -- In regards to case Case # XXXX -- US BANK I think the point here has been missed. US Bank freely admits that they stopped sending me monthly statements on an account that has a different amount due every month as well as revoking access to the account so that I could not make payments. They are clearly at fault here for the only missed payment I have every made. During the time that this account was in their " Lien Monitor '' status I was also unable to make any payments. I spent hours each month in my local branch trying to sort this out, even the branch manager did NOT know how to make a payment on this account. I have multiple hours of calls recorded where US Bank associates repeatedly tell me that I CAN NOT make a payment on this account. <P/>The delinquent taxes were from before I owned the property and before this HELOC was opened but I paid them as soon as I found out about them. which was last XXXX. The response letter also states that I made payments for XXXX through XXXX, but my credit report shows no payments from XX/XX/XXXX until XXXX of XXXX, which their letter clearly shows in not the case I am not sure how US Bank can just say, yes we did that and no, we are n't going to fix that, messing up my life for the next 10 years. What 's even more egregious is how the original case would be closed with that as an acceptable answer. It seems to be more of a Bank protection bureau not a consumer protection bureau. <P/>US Bank fully admits revoking access to the account as well as the ability for me to even make a payment. I have 2 of US Bank 's own branch managers that are just as shocked and confused by this as I am and fully agree with me that this should not be reported as a late payment since even they could not figure out how to make payments to this account, Each month took a minimum of 2 hours in a branch to make payments which was time off of work as well and I have about 6 hours of recorded phone calls with US Bank repeatedly telling me that they CAN NOT take a payment from me.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent in several disputes between XX/XX/XXXX 2017 and XX/XX/XXXX 2017, requesting for Trans Union and XXXX to update my Public Record Tax Lien as " Paid '' or to have it removed. I recently applied for a Mortgage, and my credit report is showing that I have an unpaid Tax Lien. The Tax Lien was paid on XX/XX/2017, a portion of my federal refund was taken by the IRS and they paid the debt to the XXXX state, I have a letter from the IRS. I contacted the XXXX XXXX XXXX and they show me as paying the tax lien, they stated they do not report " Tax Liens '' to the credit bureaus, they stated these agencies looked up my public record and obtained the information from there. I have contacted the credit bureaus again, and I faxed them and mailed the documents showing that the Tax Lien was paid, but they still are reporting it on my credit report as " Filed '' and Trans Union is reporting an incorrect amount. I have attached documents for proof.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MD)

I am receipt of Transworld Systems letter informing me they are handling the collection of an account that is a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Transworld Systems and me which makes them entitled to enforce a commercial claim against me. Transworld Systems have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming Transworld Systems as a company entitled to enforce a commercial claim against me.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are showing a {$1600.00} balance from XXXX Magistrate Court owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. XXXX lists the filing date asXX/XX/XXXX while Transunion lists the filing date asXX/XX/XXXX.
<P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are 3 bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.