davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (DC)

I have been attempting to get CitiMortgage to refinance an ARM mortgage which currently has a low interest rate. I have contacted CitiMortgage throughout the past few years while the interest rates were low to get out of this loan product. Due to the fact that my loan is not backed by XXXX XXXX and XXXX, they contend that they do not have any options. I have sent several letters requesting a lender option modifiction since the loan guidelines do n't meet their refinancing guidelines as I have been been told in the past. The goal is to get this mortgage in a 30 year fixed mortgage. I would like to the keep the property and have n't been late on the mortgage. If the interest rates rise higher, it may create a problem, depending on how high they go. I would rather be in a fixed 30 year mortgage which would be beneficial to both me and the lender for the long run. With your help, I am seeking relief in the form of consideration of a lender option modification which I am aware can be done since there are n't any guidelines to prevent CitiMortgage from doing so.
Consumer complaint received 2017-06-30
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: EQUIFAX, INC. (IL)

I had several tax liens showing on my credit report, which were released quite a while ago. The reporting agencies are XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX I sent letters to all credit reporting agencies, including Equifax, XXXX and XXXX  challenging the accuracy, compliance and reportability of these listings. All agencies have deleted these entries from my report, except for Equifax. On both XXXX XXXX, 2017 and again on XXXX XXXX, 2017 I sent letters to Equifax asking that they validate the information directly with the reporting sources, requesting contact information for each person contacted. Any automated response or e-Oscar verification would be unacceptable. As this erroneous information on my credit report is bringing down my credit score and preventing me from obtaining additional credit I feel this should be important enough that Equifax handle this in direct fashion. I have written to the reporting agencies myself and have found that they DO NOT report to any credit reporting agency. Therefore any information in my credit report with these reporting agencies as their source is inaccurate and incomplete. Equifax continues to verify the reported information with a 3rd party source. As this 3rd party source is NOT the reporting source nor the creditor they are an unreliable source and this information should be immediately deleted from my credit file.
Consumer complaint received 2017-08-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (OH)

After my grandfather died ( co signer ) I had to put the loan into my name, in order to do so I needed to put my loan on forbearance, to make sure I could make enough money to pay my loan, since my forbearance has ended- my pay check has not changed, I make just as much as I did one year ago. I am able to pay the amount just not at the time suggested by wells Fargo, ( first of the month ). wells Fargo can not change the date because my account is not in good standing, i asked if i could have my payments lowered by at least 20 dollars BUT i make too much money, even after we had discussed my hardship earlier in the year and nothing has changed. the issue is even if i pay my loan and split it up as intended i still get a late fee on top of the interest! AND my credit was growing and now my credit is sky rocking downhill, because i can not make my payments on time when they will do nothing to help me. i am just getting my feet grounded in a great job ( after 2 years out of school ) and it feels that i am falling backwards, almost to the point to go back to school because they will defer my loan if i do so. i just need them to be more lenient on the date i can pay my loan i just need the date changed!!
Consumer complaint received 2017-08-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

OnXX/XX/XXXX consumer entered into a mortgage loan with XXXX XXXX XXXX XXXX. and signed a Note and a Security Deed to secure the same. Thereafter consumer 's note was purchased by PNC Mortgage now PNC Bank. Note payments are due on the XXXX of each month with a 15 day grace period before late charges may be assessed. Consumer has made all payments on the Note timely however in XX/XX/XXXX PNC refused to accept Consumer 's payment claiming that it was less than the amount PNC claimed to be due for the month because PNC had purchased an insurance policy on the property and added the premium to the monthly payment amount under the note. The property was already insured but PNC claimed it had not received a timely notice of insurance coverage. PNC repaid the extra charge after receiving proof of insurance coverage by consumer. Thereafter consumer began receiving notices of late charges following each timely monthly payment on the Note which have continued unabated for the past six ( 6 ) years. Consumer has been contacted and harassed by telephone by the PNC collections department daily at all hours of the day despite being told that no late charges are due under the terms of the Note purchased by PNC. PNC acknowledged that no late charges are incurred under the Note until after the fifteenth day of the month but nevertheless it continues to generate bills for late fees notwithstanding receipt of consumer 's payments well within such fifteen day grace period and continues to harass consumer with daily collection calls notwithstanding consumer 's demand that it cease. The late charges PNC now claims due is in excess of {$5800.00} which consumer does not owe and will not pay. Consumer files this complaint with the CFPB prior to filing a lawsuit against PNC in the appropriate court having jurisdiction.
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I sent a letter to XXXX XXXX XXXX XXXX explaining that I do not owe them {$610.00}. Te company misrepresented the amount that would be due monthly. The charges are excessive, inflated and I have returned all of their equipment. I contacted XXXX XXXX XXXX XXXX on numerous occassions to complain that my bill was not the same rate month to month. Sometimes, I would get credited after speaking with a representative. I do not owe XXXX XXXX XXXX XXXX any money. I have been a loyal customer to XXXX XXXX XXXX for nearly a decade ( phone service ). I am really upset with how they run business in relation to the cable network. 
I do n't owe them anything.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had bank of america and when I was trying to get a modfication they told me to stop paying my mortgage so I did cause they told me i was more likely to get it if I showed I couldt pay now they reported I was 17 payments behind on my mortgage which i was not and they refuse to take it off my credit report
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

Citibank has been  rearranging my transactions in order to garner the maximum number of overdraft fees. In the course of  XXXX   XXXX  -  XXXX   XXXX ,   XXXX  , I had  one ov erdraft occur with several pending debits for credit card payments that had previously been applied. I had  my two credi t cards withdraw on the same day for convenience. Early in the day  XXXX   XXXX  debite d my Citibank acco unt successfully. Later Capital One did so which resulted in an overdraft, which was my fault. Howev er Citibank then d eclined both payments to  XXXX   XXXX  and  XXXX   XXXX  and charged me an overdraft fee of {$34.00} for ea ch one, initiall y totaling {$68.00}. However  XXXX   XXXX  continued to retry the payment every  two days for a total of three ti mes, resulting in a n Citibank overd raft fee for each retry for a total of {$100.00}. I am disputing the {$100.00} in fees due to the returned  XXXX   XXXX  payments becau se Citibank declin ed the initial payment after it went through. I am not disputing the {$34.00} fee due to the  XXXX   XXXX  overdraft because that was my fault.     On  XXXX   XXXX ,   XXXX  ,  Citibank again ch arged an overdraft fee of {$34.00} after arranging purchases. I paid my phone bill on  XXXX   XXXX , and made a purchase on the  XXXX . Instead of declining the purchase, because I had signed up for overdraft protectio n, Citibank did  not post the phone payment until after the purchase on the  XXXX , then charged the overdraft fee.     These wer  e two separate instances in which Citibank manipulated my account in two different shady ways in order to extract overdraft fees totaling {$170.00} in approximately two weeks, {$130.00} of which I am contesting. These fees have only originated because Citibank created disorder in the way my charges were processed in order to charge fees.
I went to Citibank to discuss the charges. The representative listened to my complaint and began typing in   her computer. I thought she was documenting my case, but then she simply handed me a slip stating my account had been closed, so now I am contacting the CFPB.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit.
XX/XX/XXXX Barclays Bank Delware {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XXXX  and was advised it was removed.XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report.
XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} was satisfied in XXXX still being reflected as a negative result on my credit report.
Consumer complaint received 2017-06-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (CA)

Signed contract in XXXX XXXX California for a lease of XXXX XXXX XXXX XXXX Set payment INCLUDING sales taxes was XXXX per month. US BANK unilaterally, and without proper documentation or notice, raised the lease payment monthly rate in XX/XX/XXXX to XXXX per month. They refuse to provide documentation and claim a change in sales taxes, however no such change in the state of California occurred. They are committing fraud by changing rates and then not providing adequate explanation or recourse.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I have contacted Equifax and XXXX XXXX XXXX to remove an installment account from XXXX from my Equifax credit report. Equifax removed the incorrect item on XXXX XXXX, 2015 however placed the erroneous information back on my credit report XXXX 2015. XXXX did not probe that the debt belonged to me, so it was removed. Equifax told me that they can not remove XXXX because it was disputed before. I am requesting for Equifax to remove XXXX since no evidence has been give to prove the debt is owed by XXXX XXXX.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

The company TSI/XXXX changed the open dates on XXXX debts XXXX of them where medical and paid through medical assistance to XXXX hospital the open dates where changed to XX/XX/XXXX which is impossible for me to have gone to XXXX since it was bought out in XX/XX/XXXX the other is issue is XXXX which was openedopened a little over 7 years ago but the date was changed to XX/XX/XXXX
Consumer complaint received 2017-06-30
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: EQUIFAX, INC. (MD)

To date I have mailed Equifax a total of four dispute letters listing a number of entities that are inaccurate accounts that they are listing on my credit report. I have asked them to send me copies of the documents that they have in their files that they used to verify the accuracy of these disputed accounts. <P/>Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. <P/>Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher They also shift the burden back to me by stating that if I want any documents that I should contact the information provider and request it from them. They are not re-investigating anything. They are simply taking the word of the information provider and admitting that they did not and can not verify the accuracy of the disputed item themselves. <P/>If they dont have any documents in their files to prove that they verified the accuracy of the disputed account ( s ) then they obviously did not properly verify the account and can not verify the account as per the terms of Section 611 ( 5 ) ( A ) of the FCRA which states that they MUST delete the unverified disputed account from the consumers credit file if it can not be verified. <P/>Secondly, to add insult to injury, as I mentioned earlier, they told me to go and contact the information provider myself and dispute the accounts with them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA.
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A consumer shouldnt have to spend 6 months to a year or more to get inaccurate unverified information removed from his/her credit file. Credit Bureaus should be made to comply with Section 611 ( a ) ( 5 ) ( A ) ( i ). Refusing to comply after sending them 5 letters shows their willful disregard to comply and they should be dealt with accordingly by the CFPB.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

OnXX/XX/XXXX I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back toXX/XX/XXXX. I called Equifax, XXXX and XXXX to advise that I had a fraud alert placed on my account back in XX/XX/XXXXand no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On XX/XX/XXXX I went to the police department to file a police report. The officer called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given. Below are the inquiries that were unauthorized XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

After attempting to close a Chase Amazon credit card account I noticed that I had been charged over {$2000.00} in fees. Keep in mind that the credit card limit was only {$1000.00}. I have disputed the charges but I did not receive any results. It does not surprise me after leaving the military I had a auto loan that was automatically deducted each month. The problem was after I left the military the deductions continued after monthly deposits stopped. The account was overdrawn and before I noticed the account was sent to collections. I paid the day it was supposed to transfer to the collections company but Chase still reported the account to XXXX XXXX. My point being that Chase has a past of not talking care of even long time customers.
Consumer complaint received 2017-08-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (CO)

I have debt with National Auto Finance for a loan that I cosigned with my sister. She stopped paying on the car in 2010 and it was repossessed. The reason I am writing you is because the debt should not be on my credit report and has an illegal date of last activity, DLA, of  XX/XX/XXXX . It is showing up like I recently paid on this item which I have not and since it has been 7 years, it should not be on my credit report. Please have National Auto Finance remove this item from my credit report.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

I am requesting valid proof of the alleged item. Additionally, I 'm requesting the original contract or document with my Name, Address, and  Signature.  Also, the Name, Address, Telephone number, and signature from the original creditor  XXXX   XXXX   XXXX  University  . If  the requested documents can not be produced. Please delete the item in question from All Credit Bureaus. Please see attached document for the items requested.   Thanks ...
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MCMC Auto LTD (TX)

I purchased a car fro m Mike Carlson Motor Company ( MCMC ) i n   XX/XX/XXXX   The loan for the car says 60 months. My credit report shows that the account with MCMC was closed and paid in full in  XX/XX/XXXX  This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named  XXXX . I asked who reports to the credit bureau and I was initially told by the general manager that  XXXX  does, but  MCMC  is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX  The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that MCMC does because they service my account and  XXXX  is just a lender. I have asked  MCMC  for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the  one  I was speaking to. I again asked for information on  XXXX  so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is  XXXX . MCMC has not reported to credit bureaus about my account since  XX/XX/XXXX . My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.