davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TN)

my bank is in the habit of going back in time and retro actively changing the order in witch money moves in and out of my checking account, so that they can charge me an over draft fee i would like this false system of charging the customer to stop. And i want my {$36.00} put back in my account today!
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Company : XXXX Date : XXXX XXXX, 2016 Amount : {$480.00} This account was paid and needs to be completely removed off my credit files.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Company : XXXX Date : XXXX XXXX, 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo debacle where they carelessly mistreated accounts. I feel very unsafe after what they did and it has caused extreme emotional stress and worry. I expect a decent compensation from what they have put me through. I do n't if money was taken from my account but to know false accounts were put in my name is very disturbing. I am requesting {$10000.00} or more for the emotional stress and worry I have gone through. Thank you and please take this matter seriously. This should Never happen.
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My wife and i went to Bank of America on Saturday durring regular business hours and they refused to close my accounts because i didnt have an appointment. There were tellers available and no reason for this to not be done aside from their desire to collect fees. The manager and teller were extremely rude about this. Managers name is XXXX XXXX and had an appalling attitude and disgusting service level.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

I recently reported an error in my credit file with XXXX regarding a mortgage with Chase Mortgage Services. XXXX came back stating that the item was verified and reported correctly, when in fact, I sent them documents to prove my dispute. Chase is reporting a mortgage in the amount of {$220000.00} obtained in XX/XX/XXXX for an investment property located in XXXX MD as included in bankruptcy when it was not. Further, on XX/XX/XXXX, the loan was transferred to XXXX for servicing and no longer serviced by Chase. Chase and XXXX both have failed to update my credit files accordingly. I have sent a letter to Chase and to XXXX ( again ) requesting that they update this information immediately. I 've attached a copy of my letter to Chase Mortgage along with evidence that this loan was exempt from my Chapter XXXX filing in XX/XX/XXXX as well as a copy of the letter they sent confirming the transfer of the loan. I request that both Chase and XXXX update my credit file as noted on my letter dated XX/XX/XXXX.
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROLor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-28
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. (GA)

Dear Credit Bureau : XXXX I pulled a copy of my credit report and noticed a fraudulent account. 
Creditor : XXXX XXXX Account : XXXX .... Reason : Fraudulent account I have been a victim of Identity Theft. The account is fraudulent. 
To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) This fraudulent accounts were not authorized by me. I have also provided you with copies of my social security number and license. 
Thank you. 
A copy of My ID, Social Security Card and Proof of Address are Attached along with the police report and Identity Theft Report.
Consumer complaint received 2017-11-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have been diligently trying to obtain assistance from chase for the last 3 years. I have filed a complaint a couple of times in order to be heard and helped. Chase goes through motions and states that they are looking into it. Chase allows time to lapse and proceeds to mail out a frivolous letter of denial. I spend months after months scanning, faxing getting the run around in hopes of obtaining assistance on a poor modification that has since expired and yet the bank refuses to help, the modification itself was done out of desperate measures as Chase would not help me then unless I lapsed on my payments. Please read attached. " you are not behind on payments '', which I was forced to do in order to get help on their terms 8 years ago. I 'm in this very bad situation due to the modification and everything else that followed. Chase refuses to assist with the deferred amount. I am short about XXXX XXXX every month due to a pay deduction and no more child support. I have obtained a couple of loans since my last complaint to you in order to keep paying my mortgage. Despite my persistence to keep our home, Chase continues to demonstrate poor ethics, practices and political process measures. Something is very, very wrong when you have several people giving you erroneous information throughout the entire process ( 7 months ). The letter not only falsifies information it miss interprets information. I make XXXX XXXX a month, yet if you look at the rejection letter, Chase falsifies the amount in order to place me in another bracket! ( please see attached ). 

Yours Truly
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Upon reviewing my account online with Penfed, I noticed that they had closed my XXXX credit cards. I immediately pulled my XXXX credit report and noticed that none of my credit accounts appeared on my XXXX credit report anymore- including Penfed & XXXX XXXX . I contacted XXXX and filed a complaint with the CFPB against XXXX. 
XXXX said that my credit file had been mixed with someone else and there was a ton of bad accounts listed that belonged to another person with the same name. XXXX has stated that they have now corrected my credit report. I sent Penfed a letter stating that my XXXX credit report had been mixed with someone else and to please reconsider their decision to close my credit cards. I have been a very good customer to Penfed. I am very disappointed that Penfed never mailed me anything stating that they had closed my credit cards and had to find out from visiting my online account. I am even more disappointed that Penfed completely ignored my letter requesting reconsideration. This very unfortunate situation can happen to anyone. I can not control how the credit reporting agencies handle or mishandle my credit file. XXXX has assured me that everything has been corrected. After this fiasco with Penfed, I contacted XXXX XXXX and explained the situation with XXXX mixing my credit file with another person. I have a credit card with XXXX credit limit with XXXX XXXX and did n't want to go through the same situation with them. 
XXXX XXXX was so great and they are standing beside me. I thought Penfed would do the same but I can not even get them to respond to my letter. I truly enjoyed my relationship with Penfed and was proud to be a member of Penfed. 
I have family members and friends that have been with Penfed for years and they are shocked that Penfed is not responsive to me. According to them, this is not typical of Penfed. So I am left confused as to why I am having such a negative experience. I have handled my Penfed accounts responsibly and I truly value my relationship with Penfed.
Consumer complaint received 2017-11-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have been receiving phone calls at my job and my cell phone every day four to six times a day. The young woman will give me her first name only not the name of a company. Then she will ask me if she can transfer the call to someone else who wants to speak with me about a personal matter. I decline and tell her to stop calling me and take me off whatever list they have.Then she calls right back stating she is someone else and she is attempting to collect a debt. I tell her again to stop calling me then she says she will call my job again. And she calls again. All from different XXXX and XXXX area code numbers. 
HARASSMENT IS NOT A FITTING WORD FOR THIS BEHAVOIR.
Consumer complaint received 2017-11-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIGY USA CORP. (CA)

When I refinanced my home in XXXX, XXXX XXXX XXXX XXXX XXXX handled the title part of the transaction to make sure title was clear for refinancing. According the attached letter from XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX, " XXXX paid off the abstract in the amount of {$11000.00}. because it says that, " you had refinanced your home through XXXX XXXX XXXX without the above referenced abstract of judgment in favor of XXXX XXXX being paid. '' On the attached letter sent to me by XXXX in XXXX XXXX, XXXX, demanding me to pay {$11000.00} to recover the amount they said they paid. As of today, there is a lien against my home. I do n't understand how a title company insurance can recover from their mistake after they had clear my home at the time of transaction? If it is been paid off by the title insurance company, how come the same original lien is still enforced?
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX I paid for a certificate to be mailed to me directly. I passed an online exam for XXXX XXXX XXXX. At the end of the exam it gave me a passing score and the option to buy a certificate for {$34.00}. I have never received the certificate after waiting over 3 weeks. I filed a dispute with american express Bluebird card accounts. I provided the following proof of purchase XXXX dispute form, photo of the receipt online, proof of the exam transcripts. I supplied these documents to amex blue card via their own secure email box on XX/XX/XXXX. Today on XX/XX/XXXX XXXX said " The document you are sent us is not valid to the  contact merchant. Please sent us appropriate documents of this dispute. '' I called XXXX the 1st representative told me just to wait a few more days. Asked for her manager and he said they never received the forms. That 's a lie because the message above clearly states " The documents your sent us ''. These guys are not going to resolve this. I thought I could dispute transaction with in 30 days just like every other bank. In addition this is my 1st ever dispute after years of doing business with XXXX. Shady business all over these days.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BROKER SOLUTIONS, INC. (CA)

I applied for a home mortgage refinance with New American Funding based on an email notification that indicated that my first year annual rate will be reduced by 1 %. All along I was led to believe that the loan will be amortized accordingly. New American Funding never provided an amortization schedule that shows how the loan will be amortized. Hence, it was implied that the amortization will be based on the lower rate during the first twelve months of the loan term. Upon receipt of the first mortgage statement, I discovered that the loan was amortized at a rate that is discounted less than the advertised 1 %. I believe that this company is misleading the public and should be required to disclose the 12 month amortization at the forefront of the loan process so that the consumer is made aware of the actual interest rate on the loan.
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MO)

My complaint is concerning Ability Recovery Service, PO BOX XXXX, XXXX, PA XXXX. Ability had been calling me to pay a debt identified to me only as XXXX ID XXXX. To date I have never received anything from Ability Recovery Service in writing.
Ability Recovery Service calls for three or four consecutive days every few months to demand payment. Each time I inform them that they must correspond with me in writing only and if they wish to talk to someone they must speak to my attorney at XXXX Law in XXXX XXXX XXXX, Utah. 

On or about XXXX XXXX XXXX I sent certified letter number XXXX which demanded validation of the debt Ability Recovery Service asserted that I owe. 
I also demanded proof that Ability Recovery Service was allowed to act as a collection agent for their unknown client. The XXXX XXXX XXXX website confirmed delivery to Ability Recovery Service as of XXXX XXXX XXXX. 

As of today, which is 108 days after a representative from Ability Recovery Service signed for my letter, Ability Recovery Service has neither validated the debt nor removed it from my credit files. 

In my letter dated XXXX XXXX XXXX I informed Ability Recovery Service that I will consider their refusal to respond in writing as verification that they are unable to confirm or document their claims. I furthermore informed Ability Recovery Service that this failure to reply within 30 days an acknowledgement that they are not able to validate the debt. 

A debt that is not validated can not be reported to the credit reporting bureaus. Ability Recovery Service must ensure that reports concerning this debt to any and all credit reporting bureaus are removed. The time limit for Ability Recovery Service to have  corrected my credit files expired on or about XXXX XXXX XXXX. As of today it was still being reported on the XXXX, XXXX, and XXXX credit reporting bureaus, none of which will remove it because they all report it as disputed but within the law to report it. 

This caused me real economic harm when I recently refinanced my house, as I did not get the best interest rate possible on my new mortgage. My mortgage broker estimated this cost me upwards of 0.28 % higher interest, which translates to {$25000.00} over the life of the mortgage.
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

My loan has reached below XXXX XXXX of the original loan value and I 've been trying too get the pmi removed for months. My first letter was sent months ago and they advised I would need a valuation on the home. I called asking if the pmi would go off my loan automatically and at what point or if I would always need a valuation. They person I spoke with in customer service advised that once the loan was below XXXX XXXX of the original value that it would come off. They sent me a list of ever payment and what that would bring my future balance to. Based off of the information they provided I chose to wait three months for my balance to go below XXXX XXXX of the original value. I called in again and was told that I could get the pmi off, but to send a letter. This letter was sent in early XXXX informing sls that my loan was now below XXXX XXXX. I just received a response to that letter asking to authorize a valuation. Since this contradicted what sls had avised previously I called on XXXX XXXX to discuss. I was advised during that call that all they needed from me was my signature on the letter. I even clarified during that call that they did n't need the valuation form signed. She told me if I faxed it in that day I could call in on XXXX to get an update on the status. I called back in on XXXX  XXXX XXXX and was told by supervisor XXXX that they would notify me in XXXX days and that they were probably just going to send me the valuation form again. I 've been sent in circles and sls is now costing me hundreds of dollars because of there misinformation. 

I would like confirmation on if my request will be honored or if the will be requiring a valuatuon. If a valuation is required I will need this to be at the expense of sls as their company has been providing me miss information causing me to incure hundreds of dollars in pmi that is n't required on my property any longer.
Consumer complaint received 2016-10-12
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I began by requesting a {$500.00} cash advance from CashNetUSA in XXXX. Cashnet subsequently deposited an additional {$300.00} into my XXXX checking account without me requesting it. CASHNETUSA has withdrawn over {$1900.00} in fees and interest as " repayment '' and there is a remaining balance in excess of {$300.00}. This is nothing more than a loan sharking operation which has assesed over 300 % in fees and interest.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MS)

I sent a letter to you disputing a collection account as erroneous on XXXX XXXX, XXXX and mailed them certified, return receipt requested. I received notice in the mail that Equifax received the dispute letter on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and I have not received a response from Equifax on the removal or status. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. Failure to do so can result in a {$1000.00} fine per undeleted item. 

I 've filed a previous complaint with the Consumer Financial Protection Bureau ( Case # XXXX ) against Equifax and the XXXX XXXX XXXX for reporting and collecting an unverified debt that is also violating Federal and State Laws. The Mississippi Statue of limitations on this alleged debt has expired as of XXXX XXXX and is no longer a collectable debt and reporting a zombie debt is in violation of the FCRA. 

Equifax , CBA and CFBB have failed to resolve this issue and now in violation of the FCRA. 

I would like to see a response on this and the issue resolved quickly.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Yes there was a transunion glitch everything was taking off then added back, and by law once something is removed you can not add it back to a customer credit report, i was not notified in writing these thing would be added back to my credit report and this is against the law.. your company has broken the law, per frca section 611. Thank you
Consumer complaint received 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

Fed Loan Servicing misapplied a loan payment by not distributing across all the loans in my package, and then agreed that it was a processing error. They agreed to reapply the loan payment backdated to the correct payment date, but that was over a month ago, and the representative ( XXXX ) I just spoke with said that the processing center had yet to do so. I am trying to maintain eligibility for public service loan forgiveness, and I am concerned that any persistent perceived delinquency, even though it was the servicer 's error, may cause problems applying for loan forgiveness when the time comes. They have not yet rectified the underlying misprocess, and I would like a record of what happened and how the situation was rectified for my personal records.