davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (LA)

A relative ( in law ) received a call from " XXXX '' a representative of Asset Recovery Solutions at her residence on X/XX/16. I am in no way connected to this in law in regards to any form of credit, bank loans, etc. I have never used her personal information for any reason. " XXXX '' or any representative of Asset Recovery Solutions should have not pulled my in laws information from public records to use it to collect any debt they are not legally tied to. " XXXX '' also tried to coerce my in law who is a senior citizen in advanced age to go into her phone to retrieve contact information to reach me about a " job ''.
Consumer complaint received 2017-08-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

I have been exploited financially by my mortgage lender, 5/3 Bank, by their predatory lending practices. I am and XXXX XXXX XXXX and was advised by 5/3 Bank to do a military financial hardship package because my residence was damaged during XXXX XXXX. My home was in a declared disaster area and a 5/3 Bank employee ( named XXXX ) encouraged me to do a forbearance plan in order to afford the repairs on my home from the hurricane. She told me that a forbearance plan would allow me skip 3 months of mortgage payment without penalty and would help me get through the devastating financial blow. I did as she suggested and skipped XXXX, XXXX and XXXX 's payments, resuming regular payments in XXXX 2017. I sent several follow up calls and emails to XXXX, but she stopped responding entirely after I had skipped the 3 months of payments. 5/3 Bank has used the skipped payments to justify foreclosure and has been sending documents and my mortgage payments to the SC home, despite knowing that I do not live there. They have illegally presented fake mortgage assistance and disaster relief options and have manipulated this situation to create justification for foreclosure. Additionally, they have used this false pretense to charge me late fees and are claiming I owe over {$10000.00} in missed payments because they have returned my mortgage checks to me. I have been preyed upon by 5/3 Bank because they know I am XXXX XXXX, divorced, supporting my XXXX year old daughter and XXXX mother and was relocated to a state that does not have physical 5/3 locations to dispute their illegal actions. I have also expressed to them that I am undergoing XXXX treatment and am unable to communicate during working hours because of this.
Consumer complaint received 2017-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services (CA)

At the time services were rendered I was notified by the nurse that I did not have a co-payment for urgent care services. After checking my insurance she indicated that she was unsure and if I was ok with at least paying {$50.00} to cover it just in case but that no other fees would be associated with this. I never received a letter or bill from the urgent care facility nor did I receive anything from the financial debt collector. I called and spoke to XXXX at Sequoia financial and asked why I was placed into collections he indicated what the debt was for but had no paperwork or any evidence to support the claim. I still have not received anything. We exchanged words and I told him how the admitting nurse told me the {$50.00} co-pay was supposed to cover my visit yet he still was not able to provide additional information. A month or 2 passes and I get a prank phone call to my house from the police station indicating that someone was being held up in my house at gun point being robbed and locked in a closet. This happened on XX/XX/XXXX. The police responded to my home and I could see and hear someone who sounded like XXXX across the street in a black SUV which indicates to me he made the false claim. The police were unable to trace the call back to the originator as it was a masked phone number made from a computer. Not sure why a collection employee would perform such acts however this is still on my report and all other credit agencies have removed it except for XXXX because Seqouia indicated it is a valid debt. I can not be held responsible for charges I did n't approve or tell them to bill me for. I paid my co-payment in full at the time services were rendered and then received an erroneous collection on my credit report.
Consumer complaint received 2016-12-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am attempting to resolve the balance of {$3600.00} reflected in a " charge-off '' status on my credit report for the account # XXXX, previously mortgage loan # XXXX held by Bank of America. 
I believed the balance of all amounts due to Bank of America for both Loan # XXXX and Loan # XXXX were satisfied by the foreclosure and subsequent sale of the property on XX/XX/XXXX. I have contacted Bank of America XX/XX/XXXX and XX/XX/XXXX in an attempt to understand how this balance was generated and why it is being reflected as a charge-off on my credit report. Bank of America representatives have been unable to verify how or why this balance is due. I have also been in contact with XXXX. A dispute has been communicated to Bank of America at least twice. 
I am requesting that Bank of America, provide documentation which I can reconcile with my own accounting records and reflects that the amount of {$3600.00} is rightfully due.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Transunion about inaccuracies on my report since XXXX 2017. I have sent letters, called in and I have yet to receive any updates or responses back. I recently called in and spoke with a supervisor and he was very abrupt and not willing to assist me with my issue. There are several inquiries as well as payments posting inaccurate. He kept cutting me off and saying that there is nothing wrong when I am telling him there is. There were wrong addresses, names and other things. I want this removed from my report immediately as this is unfair and they are reporting bad information.
Consumer complaint received 2017-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

I was in default with my student loans and Navient contacted me in regards to them and I started the repayment plan to get me out of forebearance. But, they knew I worked at XXXX because my check was garnished for awhile and never told me of the Public service loan forgiveness program which I was eligible for. That was over 3 years ago and I would of made sure i kept up with my loans while in XXXX College. I saw the lawsuit against Navient and wanted to make sure I was part of this as well. Please let me know what else I can do.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I HAVE TRIED ON MANY OCCASIONS TO DISPUTE INCONSISTENCIES THAT APPEARED ON MY EXPERIAN CREDIT REPORT . ONE IN PARTICULAR IS   XXXX   XXXX   XXXX  . EXPERIAN CLAIMS TO HAD VERIFIED  THE ACCOUNT AS ACCURATE HOWEVER I KNOW FOR SURE THAT THIS IS AN ERROR THAT THEY REFUSE TO FIX BECAUSE THE REPORT HAS DATES DURING WHICH I HAD NO SERVICE OR RELATION AND HAS AN OUTRAGES AND INCORRECT BALANCE. EXPERIAN HAS NEGLECTED MY RIGHT TO A FCRA AND LEAVE ME TO BELIEVE THEY HAVE NO INTENT ON CORRECTING THIS ERROR. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AT ALL AND NO MATTER HOW MUCH I DISPUTE AND ASK FOR LEGIT/TRUE EVIDENCE EXPERIAN HAS FAILED TO PROVIDE ME WITH SUCH EVIDENCE OR RIGHTFULLY REMOVE THIS FALSE ACCOUNT FROM MY REPORT. THEY HAVE NOT STATED ANYTHING FURTHER OTHER THAN " THE INFORMATION IS ACCURATE '' THEY ARE NOT PROPERLY DOING THEIR JOBS.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

On    XXXX   XXXX   2017, we paid our HE LOC balance in full.   Prior to payment we called Chase Mortgage to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not m ake a  XX/XX/2017  pa yment, as full pay-off would be made  72 hour s later.   We were assured it was ok and there would be no problems.   B ut Chase cre ated a major problem for us, by reporting a " late '' paym ent on  XX/XX/2017 , when  they assured us they would.   As the full amount of the loan, not just a monthly payment was made 3 days later and  Chase knew it was coming, from to notifications ; one from our phone call and the second fro m the  XXXX   XXXX  notification of pay- off seven days  earlier, it was unfair of Chase Mortgage too harm our credit with a late report.   The  Credit Rating companies - XXXX  - XXXX  and  XXXX - have wrongly repo rted this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CO)

My mortgage was sold to a new servicer. I have had many problems with the new servicer related to the property insurance. The new problem is regarding the escrow account. I received an escrow statement at the end of XXXX of 2016 and another one at the end of XXXX. The first statement claimed an escrow shortage of approximately {$61.00}. The XXXX statement claims an escrow shortage of over {$970.00}. This " shortage '' is because they have counted two years worth of taxes in this statement. After my previous experiences with this company, I feel I must now use the Consumer Financial Protection Bureau to be sure I receive a prompt and well-documented response.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Chase. I submitted the documentation necessary ( my Status Report pursuant to Servicemembers Civil Relief Act ), but was told that my account did not qualify even though I started XXXX XXXX in XX/XX/XXXX and opened my card in XX/XX/XXXX. They stated that I was on XXXX XXXX before which the government does not show ( or renumerate me for ). I submitted the requested status to two other banks, XXXX and XXXX both of which identified I qualified for the SCRA protections. This is the third time I am doing this and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. I spoke with XXXX and they stated that I show as XXXX XXXX starting in XX/XX/XXXX. The documentation, which is provided and signed, by the Department of Defense - Manpower Data Center is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as Chase states that they are military friendly and then do actions like this with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. Thank you for your time.
Consumer complaint received 2017-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MI)

Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.
Consumer complaint received 2017-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I was made aware of an investment and checking account with a related NSF for {$14000.00}, that had been opened with USAA in my name and Social Security number from correspondence received from USAA on X/XX/17. Since X/XX/17,  myself and my recovery advocate that I 've been assigned to help resolve this ID theft case, have made over 10 conference calls and mailed and faxed four copies of my fraud packet containing an FTC Affidavit, police report copies of USAA 's correspondence and proof of my ID, Social Security number and address. I have not received USAA 's cooperation or communication back in an effort to properly report and assist USAA with addressing these these two accounts and NSF check caused by ID Theft. This is the content of the cover letter with the limited power of attorney for USAA to communicate with my recovery advocate as well. USAA C/O Financial Crimes Division XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Regarding : XXXX XXXX XXXX XXXX Member # XXXX USAA Investment Account Ending XXXX USAA Checking Account Ending XXXX Per my conversation with USAAs Investigations Department, Ive enclosed a notarized limited power of attorney, FTC Affidavit, proof of ID, Social Security number and address. The above referenced account is a result of identity theft ( ID Theft ) and has been included in the XXXX XXXX Police Department report # XXXX as such. The identity theft case has also been filed under case # XXXX with XXXX XXXX XXXX XXXX XXXX. Im requesting on behalf of my client, XXXX XXXX XXXX XXXX, that USAAs records indicating XXXX XXXX XXXX XXXX identifying information to be coded as ID Theft, as she has never had a relationship with USAA. Also, that USAA inform the IRS of the related ID Theft case and retract all related USAA reports which have been provided to the IRS or other entities. Please forward an acknowledgment of the receipt of this fraud packet and resolution of this matter to ...
Consumer complaint received 2016-11-25
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CURO Intermediate Holdings (TX)

The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that speedy cash sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did speedy cash not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, speedy cash, to pay me for the years of bad credit ruining my chances of investments.
Consumer complaint received 2016-11-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services (CA)

I received a letter from J & L TeamworksXXXX CA dated XXXX XXXX, 2016 indicating I owed {$20.00} to XXXX XXXX. I responded, in writing on XXXX XXXX, indicating there was no balance due, and if they had documentation indicating otherwise, please provide to me. 
They responded on XXXX XXXX with an attached document that did not come from XXXX XXXX, did not have XXXX letterhead, or anything indicating it came from XXXX. I responded, in writing on XXXX XXXX, again asking for legitimate proof of this debt. Additionally, I have the bank records showing the co-payment of {$40.00} was made on the day in question. 
XXXX XXXX, 2016 I received a new letter from J & L, which was a copy of the first letter, indicating to me that they were starting over from the beginning of the process, ignoring my writing rebuttals. I am led to believe this is some sort of scam, perhaps.
Consumer complaint received 2017-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (LA)

Hi, I initiated a wire transfer from my bank, XXXX, to Coinbase two days ago. Wire transfers usually take a day, so I gave them a day before I called their bank, XXXX XXXX XXXX. Their bank said they have received the funds so I need to contact coinbase. I sent coinbase an e-mail but they just keep giving me automated responses. I searched online for people similar to my problem and it seems many people are having this problem for I do n't know what reason. They charge money to wire but they do n't give us funds in the same day. I am afraid they are stealing money. Here are the details of the transaction. Wire amount XXXX U.S. Dollars ( USD ) Wire date XX/XX/XXXX at XXXX XXXX ETXX/XX/XXXX at XXXX XXXX ET Message to recipient XXXX Message/instructions to recipient bank XXXX Transaction number XXXX Fed reference number XXXX Status Completed
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I opened a citibank citigold debit account in XXXX 2015. There was a promotion at the time for the following clauses. 
*Make 2 payments with your debit card in 2 consecutive months. 
*Make a deposit to your account in the first month. 
XXXX thank you points will be credited to your account in 90 days. 

I called after I opened my account to confirm my eligibility to the promotion. Result was positive. 
I called 3 more times in the next 2 months to check if I am fulfilling the requirements and operators was positive about it. 
I called one more time after I match the requirements, operator was positive and affirmed me about bonus points. They mentioned in will be deposited soon. 
After a month I called again, they said it will be credited latest 90 days. 
After 90 days I called again, they said I am not targeted for the promotion and I wo n't be getting any points. I started an investigation on their end. 
After a week investigation resulted with the same conclusion. I assured them about my many calls and how they said, I am eligible and I will be getting my points.
Consumer complaint received 2017-07-25
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: Weinberg Mediation Group LLC (SC)

Weinberg Mediation keeps le aving me vague messages regarding an alleged " debt '' they claim I owe. They will not provide any information or validate the " debt '' in writing. They are constantly calling my cell phone, work phone and family. They threaten to take legal action and say each time that this is the final warning. I have called them and asked them to stop calling and to validate the " debt " in writing but I have not received anything from them except threatening phone calls.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I noticed several inquiries that had been deleted reappear on my credit report and double report. I called transunion customer service and explained several inquiries are showing up on credit report that were gone. After she explained she could not help me i asked for a supervisor and after a long hold was disconnected.
Consumer complaint received 2016-09-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Illinois Collection Service, Inc. (GA)

I had a outstanding debt of XXXX from Medical services from XXXX in XX/XX/XXXX. XX/XX/XXXX Illinois Collection Services entered a collection of XXXX that appeared on my XXXX Credit report. I have contacted the collection agency to pay the debt and they indicate that while my credit report debt shows XXXX collection, I actually owe an additional XXXX, totaling XXXX. The rep says to pay the XXXX will not remove the collection from my credit report. I do n't have any other medical debt with XXXX and have not been provided with any documentation to say otherwise. Since XXXX XXXX the debt has been consistent at XXXX but I am unable to resolve it because Illinois XXXX is illegally asking to pay an additional XXXX. Additionally, my XXXX credit report as of XXXX XXXX, that I have a new collection from Illinois Collection Service of XXXX which is the same debt that was put on my credit report in XXXX XXXX. The debt in showing closed but as a new debt. This is effecting my credit score and ability to secure credit at a competitive rate. I call Illinois Collection Services today, XXXX XXXX in which I was told again that I would need to pay the additional XXXX in order for the XXXX debt to be removed, I asked to speak to a supervisor. I finally hung up after 20 minutes on hold. The staff is unprofessional and are unwilling to resolve this issue.
Consumer complaint received 2017-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: GVA Holdings, LLC (PA)

On XXXX XXXX 2017, after the holidays, I was approved for {$200.00}. After going through the approval process I need to e-sign. I did so the lady XXXX XXXX ask if this was for the XXXX. I asked if XXXX was possible and she said yes. We would need to redo the esignature. After almost completing the second, I said " now I do n't want to end up with two of these loans, that is not going to happen, will it '' she assured me no. But it did. The second loan was thru XXXX XXXX, although outrageous ; I was able to get that paid off after 8 months ( XXXX ). I tried to contact XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX to pay off the principle of XXXX, which I have already paid XXXX in interest. They told me their systems were down and unable to adjust my account. I called back and pretended to open a new loan and they had no problem with their systems and wanted to set me up. I called again on XXXX XXXX and after half hour on hold finally demanded a supervisor. Her name was XXXX. She would n't give a last name, just employee number XXXX. She said there was nothing she could do, she would contact me in 24 hrs with payoff amount, but she never did. I have some emails and some written documentation of my attempts to contact.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010, XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.