davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XX/XX/XXXX, we sent an authorization to Chase in order to begin the process of a short sale. Both borrowers were XXXX, however there is a Successor Trustee, XXXX XXXX XXXX, named on title and duly recorded. XXXX XXXX signed the authorization for us to speak on the account, and we submitted the authorization, the Recorded Affidavit of XXXX of Trustee ( borrower XXXX XXXX ), and a copy of the XXXX Certificate for XXXX XXXX. ( ( Prior to all of this, XXXX called Chase to see what their options were regarding this property and was told that she may surrender the property to Chase. Chase sent her surrender documents and told her to take them to the county to record it. She did not do that, as she felt there was a more appropriate way to handle the disposition of the property. -- - This shows that Chase did acknowledge XXXX XXXX as the authorized third party otherwise how could they give her the ability to legally surrender the property? ) ) On XX/XX/XXXX, we contacted Chase and were told that XXXX XXXX was not authorized on the account and therefore could not authorize us. ( Chase claims someone else is authorized - the other daughter ) I pointed out that we faxed, along with the authorization, the Affidavit of XXXX naming her ( XXXX ) as Successor Trustee, and the Affidavit of XXXX of Trustee ( Borrower XXXX XXXX ). The rep acknowledged receipt of those documents however still refused to discuss anything with me, or transfer me to a supervisor to discuss it further. Chase has taken it upon themselves to authorize someone else on this account, who is NOT the Successor Trustee, and therefore has no legal authority to speak on the file.
Additionally, Chase has taken it upon themselves to DENY the Successor Trustee the authority to speak on the account, or to liquidate it as she sees fit. *****CHASE DOES NOT GET TO DETERMINE WHO DOES OR DOES NOT HAVE LEGAL AUTHORITY TO SPEAK ON AN ACCOUNT****** Chase CAN NOT have it both ways. Either she ( XXXX ) is authorized and is allowed to receive and record a surrender, or she is not and they violated the law by sending her the surrender document. Chase does not get to decide who the trustee is AND THEY CERTAINLY SHOULD NOT BE TAKING DIRECTION FROM SOMEONE THAT HAS NO LEGAL AUTHORITY TO SPEAK ON THE ACCOUNT. We have attached a copy of the title report, the XXXX borrowers Trust Docs naming XXXX XXXX XXXX as Successor Trustee, the recorded Affidavit of XXXX of Trustee naming XXXX XXXX XXXX as Successor Trustee, the document from the Federal Government ( IRS ) issuing an EIN number and naming XXXX XXXX XXXX as the trustee, and the XXXX Certificates for both borrowers.
Consumer complaint received 2017-07-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have two payments left before my loan matures on XXXX XXXX, 2016. I Called to get my payoff. While I was aware that I have 4 additionally deffered payment I that were attached to the end of the loan. During the course of the loan problems arose where I had to defer my auto payment. Capital one deferred the payments and each time I was charged XXXX dollars to do so. I was told when I deferred the loan it would simply be added to the end of my loan requiring 4 more months of payment after the loan matured. When I called in to get my payoff I was told it was XXXX I asked where that amount coming from since my payment is XXXX per month and 6 payments would make the total XXXX. There was an additionally XXXX added to what I owed. I was then told by a representative in the Office of the President that each time my payment was not made on the the exact billing day of my contract ( meaning I had no grace period ) I was assessed intrest and that intrest was deducted from my principal and therefore more was going to intrest than to the loan. In addition, the four deferred payments were also assessed an extra intrest. That interest was derived by the formula where the principal bal was multipled by the interest rate of 25.13 % and divided by 365 days to get the additional interest being charged to my loan. So in affect, I was charged to two different points of interest on one loan. Next I was told after the loan matures I have 150 days to pay off this excess balance, ( the four defered payments plus all this extra added interest ). It was further explained that I could lose my vehicle and it affect my credit adversely if I failed to pay this lump sum. My problem is this, first I was never told the loan accrued intrest which was deducted from the principal if I didnt pay loan on the exact day. Next, I was told the deferred payments would be adding on additional months to my loan. I was not told it was adding adding and extra intrest to my loan in addtion to the 23.13 % already being tacked on. I believe Capital one has dealt with me deceptively by not fully explaining how the intrest acrued with the loan payment date as well as for the deferred payments. As a result, I have believe Capital One is literally stealing my vehicle.
Consumer complaint received 2017-07-20
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: CITIBANK, N.A. (UT)

Applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK. looked at my credit report today X/XX/17 and it had already shown up that CNBA had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

A while back I had received a phone call at my work saying that there was papers to be served to me and a possible warrant. They Claim they are calling from HSBC Legal department handling the debt account. They to call and leave threatening messages.
I can send you a copy of the voicemail also the gentleman I just spoke to his name was XXXX phone numbers to XXXX XXXX XXXX. He said he is the office that has the document to serve me however will not give me any information and redirects me to the legal office at a XXXX number which unfortunately he hung up before I could get. But I could pull from a previous voicemail XXXX. Case number XXXX. When calling that number they placed me on hold for several several minutes telling me that they had sent the paperwork over to the XXXX XXXX County courts and that they had to personally search for the hard copies to find out what was going on with my case when she came back on the line she told me it was for an HSBC account we 're over {$1000.00} was due and that did not include attorney or court fees. When I asked her how come I receive phone calls way back a couple months ago and I 'm still at the same address and still at the same workplace and have yet to be served she wanted to confirm the address that they already confirmed previously. When I told her that the address was in fact correct and nobody has ever come she could not give me an answer as to why other than she was going to try to expedite it. Now here 's the thing the address they have is in XXXX  County not XXXX XXXX County so why would be served in XXXX XXXX County I do not know. The woman I spoke to claim to be in litigation and when she answered the phone call she answered with before providing me and him any information that this phone call will be monitored and recorded now I do n't know if that 's normal for law firms or not.
When they called my work they asked my boss their policy for serving their employees at work. Which thank XXXX I work for awesome bosses who did n't fire me because of this.
If they are a creditor HSBC and they 're using Scare Tactics or harassment like that it is illegal and violating FDCPA. IF they are not HSBC then it is a company to which HSBC sold the information to and they should still be held liable for passing my information on to such a harassing company that uses illegal means to obtain money.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX has reported the credit bureau put me in collection for a debt that. I do n't recognize or owe them in the amount of {$2000.00} it 's on XXXX report it has affected my chances to get a house this is fraud must be removed was reported on XXXX 2013 it 's been so long on my credit report even though this is not my account nor have I ever had an account with XXXX please have this remove from my credit report XXXX XXXX XXXX Thank you
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from Equifax, XXXX and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Consumer complaint received 2017-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CA)

Suntrust bank occasionally applies received payments for one month to a month prior. As a result they get XXXX payments for 1 month and no payment for another month. This results in late fees and a blemish on the credit report. Had multiple exchanges of messages with them via Suntrust internal " secure mail '' system. After I realized what they are doing and confronted them about it directly they did something really nasty. They blocked me from accessing Suntrust sites. Not only I lost the history of messages, but I also lost ability to check my statements, etc. Tried on many occasions contacting them via email, but I get automated response to use " secure mail '' for all communication.
Consumer complaint received 2017-07-18
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. (GA)

I have submitted several written disputes with the credit agency notifying them of   XXXX   XXXX   XXXX   attempts to report fraudulent information.   XXXX   XXXX   XXXX   is stating that I owe   XXXX   XXXX   XXXX   {$670.00}. This information is false. I have never had a account with   XXXX   XXXX   XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureau and   XXXX   XXXX   XXXX   requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from   XXXX   XXXX   XXXX   authorizing   XXXX   XXXX   XXXX   to collect the debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following section 16 of the FCRA -Documented proof showing payments were made by me on this line of credit -Documented proof showing the dates within the credit file are correct   XXXX   XXXX   XXXX   has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly. Portfolio Recovery refuses to VALIDATE this account completely. I received all documentation required validating this debt as legally requested. The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number . Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear  to the truth of. '' and "  Verification  '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st  hand knowledge of the alleged accoun t ( s  ) and all that has ever transpired for the alleged account  ( s  ), under oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states that,  Consumer Reporting Agenc ies 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  ). This is a request f or VALIDATION. Provi de me proof I have a signed contract with your company. Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will go to the  State  Attorney General if this is not resolved.
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I APPLIED FOR HARDSHIP ASSISTANCE AND WAS DENIED DUE TO THEY CAN NOT FIND A FEASIBLE MORTGAGE PAYMENT. MY HUSBAND AND I ARE REQUESTING FOR HELP DUE TO MEDICAL PROBLEMS, MY HUSBAND WAS DIAGNOSED WITH XXXX XXXX. WHILE WE WERE DEALING WITH THAT WE EMPTIED OUR SAVINGS PAYING OUR MORTGAGE, OTHER BILLS AND MEDICAL. WE GOT TO THE POINT OF RUNNING OUT OF OUR SAVINGS AND KNEW WE NEEDED HELP SO WE HAVE REACHED OUT TO OUR LENDER AND WAS DENIED AGAIN DUE TO COULD NOT CREATE AN AFFORDABLE PAYMENT. HOWEVER, IN THE SAME BREATHE THE DID FIND SOMETHING AFFORDABLE WHICH WAS A REPAYMENT PLAN. THIS REPAYMENT PLAN THAT THEY ARE SAYING IS MORE AFFORDABLE THAN RE-AMORTIZING MY LOAN OVER 40 YEARS WITH A 4 % INTEREST RATE. THE RE-PAYMENT PLAN SPS IS STATING IS AFFORDABLE IS {$3900.00}, HOW IS THAT FEASIBLE OR AFFORDABLE THAN A MODIFICATION?!?!?!?!???? OUR FIXED HOUSEHOLD INCOME NET IS {$4400.00}, CAR NOTE {$300.00}, CREDIT CARDS {$150.00} = {$4300.00} IS AFFORDABLE TO THEM????? HOW IS {$68.00} AFFORDABLE TO PAY FOR GROCERIES, UTILITIES, INSURANCE AND MY PRESCRIPTIONS???? I RAN MY MORTGAGE INFORMATION THROUGH A CALCULATOR AND WHAT IS AFFORDABLE IS A 4 %, 40 YEAR LOAN WITH THE DELINQUENT AMOUNT ADDED TO THE BACK OF THE LOAN WHICH WOULD BE ABOUT {$2100.00}. IT IS CLEAR THAT SPS IS TRYING TO TAKE ADVANTAGE OF MY HUSBAND AND I SINCE WE ARE XXXX YEARS OF AGE. THIS IS THE EPITOME OF DISCRIMINATION AGAINST ELDERLY. I WILL NOT BE VICTIMIZE BY SPS AND HAVE ALSO FORWARDED THIS COMPLAINT TO MY STATE ATTORNEY GENERAL. I HAVE OWNED MY HOME FOR OVER 27 YEARS AND NEED HELP DUE TO MY HUSBANDS MEDICAL ISSUES. MY INVESTOR HAS MADE MORE THAN ENOUGH ON US IN INTEREST TO MODIFY OUR MORTGAGE TERMS.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Morning, I have never done business with this company, I have never received letters from them. I have files a report with BBB. I have never signed a contract nor have this company ever verified this debt is mines.       Date :    XXXX   XXXX  ,2015  total {$500.00} Date :    XXXX   XXXX   , 2015  total  XXXX
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Talbot, Adams, & Moore, Inc. (TX)

This collector is reporting a debt that I have no knowledge of to the credit reporting agencies ; I have disputed the debt, first with the credit reporting agencies and then have sent this collector a request for proof of the debt via a validation letter submitted under the FDCPA, both with no response other than continued reporting of the account to the credit reporting agencies. The account did drop off of XXXX, however is still reporting on XXXX. I have attached the validation letter, sent on XXXX/XXXX/16, to which they did not respond. Per FTC Opinion letter, the reporting of a debt to a credit reporting agency is a collection activity, therefore this collector has violated the FDCPA by continuing to collect on an account after receiving a validation demand but before providing the requested proof.
Consumer complaint received 2017-07-20
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. (NE)

In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date as XX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, Experian has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
Consumer complaint received 2016-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I took out a Home Equity Line of Credit with HSBC in the amount of {$33000.00} on XXXX/XXXX/XXXX. I made payments as agreed and in about XXXX began making extra principal payments monthly. The loan was paid off XXXX/XXXX/XXXX. Over 11 years, the principal was only reduced by {$7300.00} despite the fixed interest rate of 8.55 %. In many months where extra monies were sent, that was the only amount deducted from the principal -- the rest was applied to interest. Many errors were made in charging fees not applicable to my loan ( Line Maintenance Fees ) ; in XXXX XXXX, the balance owing was raised by {$740.00} after a payment was made ; payment amounts were n't always applied correctly ; late fees were sometimes charged even though most payments were made early. Calls and/ or letters were n't responded to properly and supervisors would n't return calls. 
From what I can determine from the last 4 years of statements that I have, a minimum of {$1700.00} was charged to me in error. Additionally, the final payoff figure showed I was charged {$870.00} in interest and I 'm not sure why that would happen. I paid the amount they said I owed just to be able to get rid of the loan since it was apparent it was never going to be paid off no matter how much I sent in extra payments, nor was anyone at HSBC going to address my complaints or concerns.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received an email from capital one stating I recently updated my phone number, which I did not. I went online and checked my phone number information and there was an additional number added to my account under the " Business '' section. I called capital one immediately and explained the situation, I had my card info changed and even changed my password. After further research I looked up the number just to see if it could be anyone I knew and it was ... I 'm not sure how to proceed with this information.
Consumer complaint received 2017-07-20
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. (TX)

XXXX will not delete the the hard inquirires and collection and negatives on my credit report. Also I received a Retaliation and Discrimination response from XXXX XXXX and XXXX on XXXX XXXX,2017 .XXXX called me XXXX XXXX , my name is not XXXX XXXX . My name is XXXX XXXX XXXX and I am XXXX American. My credit scores and credit are suffering because of the major Retaliation from XXXX  XXXX.XXXX is Discriminating and Retaliating against me because of my XXXX American National Origin as a XXXX.