davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (DC)

I am filing a consumer complaint against American Express. I have XXXX cards with them : platinum charge card and a blue preferred credit card. I have had a previous CFPB bank fraud case. The case number is XXXX. I have notified Amex about this and how it has affected my finances. Since XXXX, I was able to make electronic repayments in XXXX ; however, American Express removed this option for the blue preferred credit card. I still paid off my platinum card. Well, Amex cancelled XXXX cards this XXXX. I deemed that grossly unfair when the company removed its electronic repayment option for the blue preferred credit card. I had always paid electronically because then the money would be applied to my account faster. American Express can not remove my ability to establish a repayment plan but then penalize me and my credit history in the process. Furthermore, having been an American Express card member since 2012, I had a stellar payment history until this summer. There was no rhyme or reason why American Express would cancel me then harass me three times a day ( from XXXX even on XXXX to XXXX ). Its phone number that it harassed me from is ( XXXX ) XXXX.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (DC)

I had a checking account with Chase. I moved so I called and asked to close my account on XXXX XXXX, with remaining balance of {$1600.00}. I was told that I could n't transfer my funds out and that instead I needed to close the account and I would be mailed a check. I received no notification about the account being closed, neither through email or mail. After a month, I had n't received the check and called Chase. I spent over an hour on the phone with various representatives who kept passing me to other representatives, all giving me the same answer that they were n't sure what happened to my money. Someone was eventually able to cancel the lost check and requested that I sign an affidavit and get it notarized. I sent that in weeks ago and have received no communication from Chase since. I just called in again, and spent 42 minutes sitting on hold and being passed to different representatives again, and the phone call ended with them telling me they were n't sure where the check went or what the status was. There was no result. I was essentially told tough luck, your {$1600.00} is gone. Every time I call, I get passed around to different representatives and all of them tell me they ca n't help me. I 've asked for supervisors, managers, and senior level managers, but even they ca n't help and just pass me to someone else. I 'm pretty lost at this point and feel like Chase just robbed me of my {$1600.00}, on top of the fact that I 've been without it for nearly 2 months and I should 've had it in 5 - 10 business days.
Consumer complaint received 2016-12-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Bank of America financial center? 
Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. 
The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.
Consumer complaint received 2016-11-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AZ)

On or about XXXX XXXX, 2016 I submitted a detailed complaint to CFPB regarding CitiMortgage 's horrendous treatment of my client, XXXX XXXX. Citi continues that treatment ; each week it sends me a letter telling me it is still reviewing the complaint. This failure to serve customers is an unfair trade practice and lack of good faith. Please follow up with Citi for immediate action on this matter! 
See Complaint # XXXX
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (FL)

Credco in XXXX XXXX, CA did XXXX hard credit inquiries XXXX day after the other on XXXX XXXX, 2015 and XXXX XXXX, 2015. I have no idea why they would pull XXXX hard copies reports on 2 consecutive days. I may have authorized XXXX, but, never XXXX in XXXX days. This is hurting my credit rating and XXXX should be removed as it is clearly a duplicate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2017-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

Loancare VA XXXX XXXX was serving my mortgage and o/a XXXX XXXX XXXX they sent me a letter stating my loan was being sold to XXXX. I paid my XXXX XXXX Mortgage payment {$2600.00} on XXXX XXXX XXXX. On XXXX XXXX I turned my autodraft off as well. On XXXX XXXX XXXX Loancare withdrew another XXXX XXXX payment of {$2600.00} from my checking account. My main issue is this second XXXX XXXX payment is not reflected in any Loancare statement or loan balance. Ihave logged in everyday to my account and there is no update. I have no written record except the autodraft showing it was taken from my checking account. I sent emails XXXX and XXXX XXXX and received " canned '' responses. I also called on XXXX XXXX and spoke with Loancare employee # XXXX. She stated that while she would forward complaint to her management there was basically nothing she could do. In her words Loancare is done serving my account. At the least Loancare should send me an email stating what they did with the second XXXX XXXX payment. I prefer a refund or at the least who in XXXX wherever that is has my {$2600.00}. To date I have no more info than it was being sold to XXXX. Loancare customer service is extremely poor, with little regard for any customer follow-up. I advise consumers to avoid this company, make sure to notify your loan officers, real estate agents, etc to seek out more reputable firms with better customer service and ratings
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Central Credit, Inc. (NJ)

I have been sent 6 requests for payment of what appears to be a time share. The statements are addressed to XXXX XXXX as owner and me as co owner. I do not know a XXXX XXXX and am not the owner or co owner of a property in XXXX XXXX of XXXX MA. I have received statemnts for past due amounts from XXXX and Contintal Central Credit of MA , Inc.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (IL)

The loan terms for my 2011 XXXX. I have made over XXXX payments of XXXX for this car and have yet to reduce my loan amount ( XXXX ) due to my interest being sky higher ever then I truly understood or agreed to. I have contacted Exeter Finance and they refuse to renegotiate my terms. I am stuck in a contract that should have been paid for already. Plus the late fees that was n't explained to me.
Consumer complaint received 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ID)

Hello, I requested a loan modification to Wells Fargo Bank because my husband had XXXX XXXX and needed XXXX and XXXX, so our income was going to drop. Wells Fargo Bank reviewed my case and stated that because the investor, XXXX, only allows XXXX loan modification every five years, they denied my request. I appealed this decision citing this court case ruling, " Other courts have also ruled that HAMP gives homeowners contractual rights to sue their bank when they fail to establish permanent loan modifications for eligible borrowers. See XXXX v Wells Fargo Bank , N.A . XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), XXXX v. Wells Fargo Bank N.A., XXXX XXXX XXXX ( XXXX Cir XX/XX/XXXX ). '' Wells Fargo Bank denied my appeal. This ruling states that that Wells Fargo Bank must approve a loan modification when I qualify for one. Please help. Thank you. 

XXXX XXXX
Consumer complaint received 2016-11-16
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

My initial communication to Collection Consultants was XXXX XXXX, XXXX, after having discovered this account on my credit report while in the process of buying a car. 
Meanwhile I disputed with CRA 's online. After sixteen days with no response, I submitted a CFPB complaint on XXXX XXXX, XXXX. To date, Collection Consultants was unresponsive to this as well, so I disputed with CRA 's again through the CFPB. 
I sent another letter to Collection Consultants on XXXX XXXX, then again on XXXX XXXX, XXXX, requesting underlying documents from the original creditor, including a chain of title, since I was unable to reconcile this account and amount, and suspect that it is something that was already paid in full by my parents years ago. 
A response from Collection Consultants was finally received on XXXX XXXX, XXXX, in the form of a printout of the itemized account information. I had requested an original itemized statement from the original creditor to review ; the FTC has stated that a " mere itemization '' is insufficient proof to constitute validation of an alleged debt. Per the limited detail provided by Collection Consultants, in fact, it appears that an unknown " adjustment '' was added to the account balance after payments were made, creating a new " balance ''. As of XXXX, XXXX, Collection Consultants recent collection letter has inexplicably inflated the unsubstantiated debt from {$1700.00} to {$2400.00} or {$2400.00}, depending on which letter you look at. 
Further, it seems that CC may not be the first debt buyer to be involved with this account, given the reported assignment date of XXXX XXXX. Incidentally, the original date of assignment to collection is most likely much earlier, according to your records, XXXX XXXX was initial delinquency, yet is being inaccurately reported to appear recent. 
Collection Consultants was requested to document their ownership of the debt, the balance of the debt, the date of the default or last payment, the identity of prior owners of the debt and the name and address of the debtor in the original creditor 's records. In addition, the debt buyer must also have the original contract or a document provided to the debtor while the account was active to show evidence of the debt. 
Please note that, in over 70 days since my initial letter, Collection Consultants has failed to prove that this debt is mine, that it is accurate ( I 've never had Physical Therapy in my life! ), failed to provide me with an original contract made with the original creditor, and has failed to provide me with proof that Collection Consultant 's has a legal right to collect on this alleged debt, as I requested. All collection activity, which includes reporting to CRA 's is legally required to cease until this information is provided. This was not done, and Collection Consultants is in violation of federal and state debt collection regulations.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association (TX)

The collection company " Credit Bureau Services Association '' is collecting on behalf of XXXX XXXX XXXX on a lease that was signed with the intention to operate a business. Landlord was fully aware of this and it is stated in the lease agreement. This should not be a personal responsibility as me and XXXX other parties signed this agreement to operate a business and a business debt can not be reported on a personal report only that of the business. Additionally, the amounts attempting to be collected are inaccurate as when the lease terminated we have reason to believe that the property went under lease with another tenant and therefore duplicate rents can not be collected for a default and under a new lease with another tenant. XXXX spoke to me and XXXX of my partners and they stated the property was under lease with a new tenant and that the amount in collection would not be owed by us. I am requesting that XXXX XXXX XXXX provide the original lease showing that we intended to occupy property as a business and also the lease history of any and all tenants after the lease with our company " XXXX XXXX '' terminated. Additionally, XXXX XXXX XXXX still holds property that was left with an agreement to return the contents that was left behind before lease terminated.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (VA)

This complaint has to do with the fact that JP Morgan Chase reported us to the credit bureau for past due loan amount of {$990000.00} when we have a mortgage on that loan, we have paid on the mortgaged home " on time '' every month and we have been working with Chase Mortgage for over a year now in an attempt to FIX a problem that THEIR organization caused.I have made calls to Chase Mortgage almost every month during this year in an attempt to fix this problem. Every time, I either have paid more money to put in the coffers, only to find out that the money was misapplied to another account OR, I have asked them to move the money from " unapplied funds '' into the escrow account and then later find out that moneys was moved into principle. It has been a nightmare. Now, the bank has done more damage by reporting account to the " credit bureaus '' as if the problem is something that we did. And, as a result of their reporting this issue to the credit bureaus, XXXX separate contracts have been placed into jeapardy with my small business because the XXXX has resported the company as having " financial problems ''. We have been directly negative impacted by the lack of coordination and mismanagment of Chase Mortgage Company. And, because the account is so very messed up, we are unable to apply for another loan to refinance.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is holding me liable for a credit card debt from XXXX or XXXX. I have contacted this company and provided several documents to show that I never received a card to my residence which I have been residing almost 20 years nor did I apply, had no knowledge. I had never seen the application until filing a complaint. I have proven that a card was n't sent to my address. I have provided my signature as it does not match the one on their application. I stated about having a fraud alert on my credit report and indicated they did not contact me before granting credit. They claim they did @ at a number that I have never had. Then they claim something in reference to a XXXX account. I have attached the letter from XXXX financial indicating that the account did not belong to me. I sent this information to XXXX XXXX XXXX via email and called but did not receive a response. I should not have to turn to legal representation but I refuse to be liable for a debt in which I am not responsible for. I called and gave this company, Bank of America my address in which they never had. Bank America also submitted this debt to IRS as a charge off and they are charging me for a debt in which I never had any affiliation with. They also indicated about payments, I never paid this company nor authorizrd any payments.I have no reason to continuously go through this back and forth if I were n't being honest. I will suggest to Bank of America 's corporate office, they should obtain the party that is applying identification so they will have this on file as a more positive id of who is applying. This situation is stressful and ridiculous.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (LA)

I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met the requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion and they will open a separate investigation with no timeline on a response ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MO)

I used Cardinal Financial as my lender on a new home purchase. During the application process, I was to obtain a survey, which costs would be paid out of pocket. The first payment was {$500.00}, which I made via credit card to XXXX XXXX. Because it was new construction, the bank wanted another survey which cost an additional {$150.00} which I also paid out of pocket via a credit card on XXXX/XXXX/2016. During closing I noticed that my closing docs had a charge of $ XXXX for the survey that they indicated they paid to the vendor. They indicated to contact my closing agent XXXX XXXX for a refund. I called XXXX that afternoon and she indicated that she would get that processed right away. In fact I received an e-mail on XXXX XXXX that she requested the refund. To date I have not heard back from the lender on this. After several attempts, the lender is no longer responding.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (AZ)

I have been an identity theft victim since my birth certificate and personal information was stolen in XXXX. I have tried tirelessly to get the information corrected since, most of the credit bureaus have corrected my personal information except Experian. On XXXX XXXX, XXXX ; contacted them to dispute again personal information that is related to my identity theft issues. I continuously disputed addresses and name spellings only to be told that Experian is refusing to dispute or remove the information that is incorrect because it was associated with a reported account that was opened or application that was submitted with incorrect information. Experian has been the most difficult in correcting my personal and credit information and I am contemplating legal action for FCRA violations.