davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

We had a line of credit with XXXX XXXX XXXX. We made interest only payments for years and never had a problem until they changed the terms and started to charge us for both interest and principle. We were in loan modification with them when they sold the loan to CALIBER HOME LOANS XXXX/XXXX/XXXX. At that time, Caliber billed us for fees that XXXX XXXX XXXX had put on hold while we were loan modification. The fees that Caliber said we owed were more than what XXXX had said. 
We had been making the regular payments monthly to Caliber, and we were objecting to the figures that they said we owed for fees. 
On XXXX/XXXX/XXXX, my husband spoke to XXXX, Teller #  XXXX and XXXX, Teller # XXXX, who provided him with the figures that were owed. I agreed, and sent the full amount of {$4900.00} on XXXX/XXXX/XXXX. On the check we wrote " interest only to bring acct. current ''. We assumed that our account would be free of any other fees and charges except for the normal principle and interest that we have been and will continue to pay monthly until the loan is fully paid. They continue to add fees to our monthly bill, now saying we owe {$4000.00} in past due amounts, and {$3800.00} for unpaid advances/fees totalling {$8800.00}. 
We have called multiple times questioning what these charges are for, since we paid what we were told, and we have n't missed a monthly payment. We have sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX all explaining our position and requesting a breakdown of what they say is owed. We are angry and confused, because we thought we were paid in full. 
Note : an exact LOC with XXXX on another of our properties was in the exact situation, and sold to XXXX XXXX, we never had to pay any additional fees, and a third LOC has stayed with XXXX, and we never had to pay any other fees either. 

Please help us. We have paid all interest and principle on this loan, and we are not willing to pay {$8800.00} additional. 
NOte : This LOC started at $ XXXX, balance now is {$81000.00}. Current value of home is approx $ XXXX. It is a rental house, currently rented to a year round tenant.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

XX/XX/XXXX i sent XXXX ETH to a smart contract. On coinbase the status of the order was completed " successfully ". Few day after i check XXXX website i discover my transaction failed. I contacted the owner of the smart contract, he explained to me we can't send money to a smart contract with coinbase but my money is some where in the systeme and i have to contact coinbase to update my account. 

XX/XX/XXXX i opened a case to inform then, i need my private key to unlock my money. 

XX/XX/XXXX i received a content that " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' Case # XXXX. 

Till today i have zero information about my case in the mean time i try to contact coinbase through tweeter but no response
Consumer complaint received 2018-02-16
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. (CA)

There is an illegal and false collection appearing on my credit report with Equifax and Would like it deleted and the collection company investigated. 

I do not, nor have ever, had any services performed that was not cover by my XXXX which is state issued. XXXX XXXX is a mysterious account that has no phone number, tracking information, offices or addresses. I have filed a CFPB complaint against them and they have claimed they do not " own my debt ''. This collection is either a mistake or fraudulent because I am 100 % covered under the low income affordable health care act. This account is appearing on my report since XX/XX/XXXX and I have never had a letter, a phone call or any communication verifying or validating the debt. It is a scam. Please delete it immediately. They are attempting to collect money using fake collections by illegally skip tracing people. There is NO contact information and this is violating FCRA and FDCPA laws.
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OR)

On or about XX/XX/2018 Commonwealth Financial reported a new collection account on my XXXX and XXXX credit reports. Said accounts are posted as new and less than 30 days late payment. I am not responsible for this debt and have no knowledge of how this debt is associated with me. I have not incurred ANY type of medical debt that would be legally reportable or collectable. This account they have listed as account number XXXX is a violation of the FCRA and the FDCPA. I have never dealt with Commonwealth Financial and have no legal binding contract or agreement with them.
Consumer complaint received 2018-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flatonia Investments, LLC (TX)

The reason of this report is for negligence and misconduct in our mortgage application process with Envoy Mortgage, which resulted in higher interest rate and incorrect down payment amount. The two national mortgage service license holders involved in this violation are listed below : XXXX XXXX, Senior Loan Officer MLS # XXXX XXXX XXXX, Regional Manager MLS # XXXX We were referred to Envoy Mortgage by our new home builder XXXX XXXX as their " preferred lender ''. We were provided with a rate quote at 3.7 % in XX/XX/XXXX by the loan officer, XXXX XXXX, but we were never informed to complete any documents or agreements in order to have the garuantee on that rate. We were under the impression that once the quote was sent to us, that rate was locked for closing. As we inquired about the loan process, XXXX XXXX never discloused the terms and conditions regarding the rate lock process or any action required to secure the quoted rate. In XX/XX/XXXX, as we approach XXXX for updates, she informed us that the rate has gone up and we were quoted at 4.0 % instead of the 3.7 %. Although we were misled to believe we already locked the rate at 3.7 %, we were then informed there is a payment to lock the rate for more than 30 days. We proceeded to follow the process of locking the interested rate offered on XX/XX/XXXX.  Because of the limited 30-day lock, we were forced to close by XX/XX/XXXX before the lock rate expired, which resulted in a short-turnover time and multiple mistakes on the closing paper work. 
We initially requested to put {$100000.00} for the down payment, but later changed it to {$130000.00} with written request through email to XXXX XXXX. He failed to respond to our request for this change, not even to inform us it couldn't be changed, and proceeded with the down payment as {$100000.00} on the closing documents. We had requested multiple times prior to closing to review the loan documents, which XXXX and XXXX failed to provide until the day of our scheduled closing, merely two hours prior to the scheduled closing time. We then noticed that the amount for down payment was documented incorrectly and there was no time to change at the closing. We were forced to close on the scheduled date with an higher loan amount then we agreed to.
Consumer complaint received 2018-02-16
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. (DC)

I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX  ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (PA)

On XXXX XXXX XXXX XXXX XXXX XXXX was Contracted to relocate a piece of equipment to a Farm in XXXX AZ to a customers place of business. The company quoted {$420.00} for the pickup and delivery of the piece of equipment and were promptly paid that balance ( on XXXX XXXX ). The item was delivered without any problems and arrived safe and sound. I was later contacted by mail from XXXX that an additional fee above and beyond the original amount was due to the company. I then contacted the company Via phone and asked what the fee was in regards to. The representative told me it was a " Residential delivery charge '', I politely explained that they were mistaken and that the item was delivered to an active farm and was zoned commercial and was an Arizona registered Agricultural address. The representative stated the driver had passed a house on the property and XXXX policy stated that made it residential. I have been to the property personally and yes there are actually quite a few residential units on the property. The owner is vey good to his employees provides housing for the workers that work there. However the property is 4,500 acres PLUS in size and has a main office and about a 6 acre commercial loading and unloading area with Tractor Trailer Access they have to in order to ship out the crop! This property even has its own Fuel Pumps for the 20 some pieces of heavy equipment that are operated around the clock. I tried to no avail to explain this to the rep and was told she could n't do anything about the fee and I had to pay it. I informed the employee I would not pay any additional amount to the company based on their explanation since they were asking for money that was not owed. I have since received a COLLECTIONS NOTICE in regards to this amount. Please assist in resolving this issue. I would prefer not to have to contact an attorney I 'd rather just have this go away as it should have after my contact with the company. 

Thank You
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NV)

My rewards account, consisting of over XXXX points has been locked by American Express with no communication since XX/XX/XXXX. American Express Membership Rewards Customer Service XXXX XXXX stated on XX/XX/XXXX that this lock is indefinite with no resolution time frame. He submitted a ticket to get resolution, but I was told it could take an additional 4 weeks ( by one of their supervisors ) to respond to the ticket.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

Chase Bank Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; RE : Acct # ending in XXXX sent me a bill for XXXX XXXX {$99.00} ( which I had not ordered and an {$85.00} annual fee which I did not want and through a series of phonecalls on XX/XX/XXXX 2017 with Chase and XXXX we addressed. In XX/XX/XXXX2017 we spoke by phone and as a result you sent to me the fraud form which I completed and returned, on XX/XX/XXXX2017 and I include a copy attached. I assumed it had been resolved to everyones satisfaction. Specifically, XXXX waived the Chase fees at XXXX p.m. on X/XX/17 for the late fee and interest and at XXXX p.m. and on X/XX/17 for the annual card fee, while XXXX at XXXX conceded the {$99.00} fee was fraudulent at XXXX p.m. on the same date I thought it was resolved. A bill arrived in late XX/XX/XXXX so I mailed a letter to you on XX/XX/XXXX 2017 which you did not respond to yet you continue to bill me despite this being previously resolved in a series of phone calls on XX/XX/XXXX 2017 :
Consumer complaint received 2018-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

XXXX XXXX XXXX in XXXX, Minnesota are trying to sue me for a possible old debt which I do not remember. They claim it is a credit card and the bill is in my old last name, a name I haven't had since my divorce over 13 years ago.

I do not even remember this and do not even know if the amount is valid. They keep updating the date as if it is a new debt, raising the cost of it and threatening me to sue me at each new job I get. I was on public assitance due to raising XXXX   kids myself and now finally off it but my take home pay is small due to health insurance. I have been a single mom these past 13 years.

I called the company they are choosing to represent them ( XXXX XXXX XXXX in XXXX  Minnesota a year or two ago for evidence that this is a true amount.

I don't remember borrowing or even qualifying for a XXXX credit card as my credit rating was low I stated that I need some statement to prove I actually had an account and how much I actually owed, for what. etc. They refused to provide that. They are about to try and sue me again. I have links to prove that they do illegal debt collection acts. I need help to get them to stop!

https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ http : //skibalaw.com/bank-of-america-fia-card-services-found-to-engage-in-unsound-unsafe-and-illegal-debt-collection-practices/
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX XXXX and Experian by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

Westlake Financial SVC. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**. They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is Westlake repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in Westlake correcting the Monthly DUE DATE. Westlake reported to XXXX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite Westlake taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. Westlake 's sister company " XXXX XXXX '' paid as well. They also posted payments to someone else 's account to add to mess so the XXXX XXXX+ remained on my report .Westlake reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Despite three written requests to TransUnion that they are reporting inaccurte information, the two unverified accounts, ( XXXX XXXX and XXXX XXXXXXXX XXXX  ) remain on my credit report in violation of Federal Law. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? I also advised TransUnion that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified or reporting 100 % accurately. TransUnion is reporting a XXXX XXXX account as a {$300.00} FHA loan with a chapter XXXX bankruptcy status. This account dose not belong to me. TransUnion is also a XXXX XXXXXXXX XXXX account with a Chapter XXXX bankruptcy status.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have made Several disputes with the credit reporting agency about the account is being reported inaccurately Open. The account has been " CLOSED '' since XX/XX/XXXX. The account appeared open after a dispute of a newly added account by the collection Agency XXXX. On XX/XX/XXXX the accounts suddenly was reported to the credit bureau as " OPEN ''. I have made an dispute. My credit file was corrected, The accounts appeared Closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported the account as " OPEN '' right after i have corrected that it was inaccurately Reported as Open. I have made another dispute.. My credit file was corrected, The accounts appeared closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported my accounts as open again. 

What can be done here?
Consumer complaint received 2018-02-16
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. (DC)

I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ),  XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I have a job and the only way Experian will allow account cancellation is via phone - each time I cal they say a 2 hour wait and before I am connected the line goes dead - there is no way to cancel!!!!!!
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (NE)

hello! 

I have two credit cards that have gone into collections, one is a XXXX XXXXXXXX XXXX   Card that has XXXX dollars that i owe, the other one is a XXXX XXXXXXXX XXXX Card that has XXXX. both of these cards were opened by a family member has opened and i was unaware and now I am receiving calls saying that i owe money on them, I have been in contact with that family member who refused ever opening the cards and i talked with the companies about helping me get them either opened again so i can own them and make payments on them or just take the negative remark off of my credit to which they can not help at all. I have tried to make a settlement with them and they still will not help. 

my name is XXXX XXXX my social is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX Wells Fargo Mortgage commenced a foreclosure action. I tried to modify my loan in XXXX but was denied without explanation. After extensive litigation, I converted my request for a modification into a request for Short-Sale relief. On XX/XX/XXXX my Short-Sale package was fully submitted with a {$400000.00} value to offer supported by comps. Wells did not respond to my Short-Sale requests for over 2 months. I have also filed a Notice of Error complaint for wrongful denial of a Modification that Wells has not finished investigating. I sent a " bad faith '' email & fax to Wells and its attorney for failure to process my Modification and Short-Sale pursuant to the Servicing Standards under the National Mortgage Settlement. See, Notice of Error letter, Request for Adjournment of the XX/XX/XXXX Foreclosure Sale Date, & " Bad Faith '' Email.