davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

Mr. XXXX XXXX of the Charles Schwab Advocacy Group by letter dated XX/XX/2018 told me that one ( 1 ) person at Charles Schwab closed my accounts! One person! There were no controls to prevent this! 
The person angry with me because of my request that she refused to honor to add my middle name of XXXX my name on my checks in spite and with vengeance closed all my accounts! Mr. XXXX later reopened my accounts but again this person closed them! One person was able to lose my accounts and place my financial situation in absolute turmoil! No supersivion! No controls! No nothing! All done by one lone person!
Consumer complaint received 2019-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KY)

My original school loans were with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never took a loan from Nelnet. 

I requested Nelnet to provide what loans are they servicing now that Nelnet is the loan servicer. 

The only explanation for me to pay these invoices are based on sketchy promissory notes that Nelnet provided. This is not a proof that I've taken out these loans. 

I want connection to the original loan to Nelnet invoices. 

For instance - Sheet 1 reverse indicate Nelnet Consolidation. What loan Nelnet paid to consolidate that I need to pay Nelnet {$27000.00}. I've never took any loan from Nelnet. 

What are DPLUS shown in Sheet 2 reverse? 

Nelnet invoices are based on these sketchy promissory notes hand written and I've never agreed to have my loans serviced by Nelnet. 

I would like better explanation of exactly what loans are Nelnet servicing for relating to my original loan with account number and amount of the loan so I can be confident that I am paying for the correct loans that I took out.
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Jefferson Capital System. ( XXXX ) trying to collect a debt I have never owed. I have never owned a XXXX account for the amount od {$380.00}. I have attempt to resolve this issue several time with no resolution.
Consumer complaint received 2019-07-07
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: CNG HOLDINGS INC (OH)

Contacted XXXX  XXXX concerning said debt. 
XXXX XXXX attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.
Consumer complaint received 2019-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc. (OH)

Contacted total Card after cfpb complaint Explain to them they didnt provide a wet signature, signed promissory or and legal signed documentation with validation for aaid debt. 

Instructed said collector to stop collection immediately until they can provide signed documentation.
Consumer complaint received 2019-08-22
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: Webcollex, LLC (MD)

CKS Prime Investments placed a collections account in my credit reports. I sent certified letters to the company using information from my credit reports informing I don't owe them, to cease and desist any further reporting and disputed the information in the credit bureaus, but it still remains. It has adversely affected my credit and reputation as a credit worthy person financially because of the decrease of my credit score since they added this to my file. I have never entered into any type of financial agreement with this company nor have I ever signed any documents agreeing to any type of financial responsibility. This is the second time this company owner has done this. I had to fight before to have them removed and now they are doing it again under a slightly different name.
Consumer complaint received 2020-04-28
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. (LA)

After four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (CA)

I went to XXXX XXXX XXXX XXXX to return the cancelled gap and extended warranty. After much hesitation on action, the man named XXXX got up, and he gave me a paper of the payment to chase. This paper was dated XX/XX/19, but chase has told me they have yet to receive such a payment. I believe chase is trying to profit from the interest that the XXXX refund is accumulating.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax ; XXXX and XXXX are incorrectly reporting duplicate medical collections on the following accounts : XXXX XXXX XXXX {$140.00} XXXX  XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX XXXX {$250.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX  XXXX XXXX {$560.00} XXXX XXXX  XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (OH)

My mortgage was recently transferred from XXXX to XXXX. The mortgage was originally taken out in XX/XX/XXXX for {$200000.00} and then refinanced in XX/XX/XXXX to secure a lower interest rate and that agreement is attached. The principal at time was {$180000.00} and was for 23 years at {$1200.00} a month. That mortgage agreement was with XXXX XXXX XXXX  XXXX XXXX. After the XXXX  refinance, my loan was transferred to CitiMortgage for servicing. In XX/XX/XXXX, I was temporarily unemployed and worked with CitiMortgage to enter into a forbearance agreement in which it was our understanding from our discussions with CitiMortgage that any missed payments and interest would be added onto the back end of our mortgage when payments resumed. The principal at the time of the modification was {$150000.00}, which included all principal and interest and our payments would be {$860.00}. We assumed that the lower payment was a result of our mortgage being into the 17th year of the term. We never asked for or agreed to a new maturity date of XX/XX/XXXX!! I was XXXX years old in XX/XX/XXXX and we would never have agreed to a mortgage commitment until I as XXXX years old ( XX/XX/XXXX!! ). We had other options at the time and certainly would had pursued them at that time had CitiMortgage made full disclosure. I am a XXXX XXXX  and spent most of my professional career in financial services  and could not believe the extent of that CitiMortgage misled us about the impact of deferring payment due dates. I only discovered this recently when our new servicing company, XXXX, had an amortization calculator on it's website. I used it to see how soon, by increasing my payments, our mortgage would be paid off. That is when I discovered the XXXX Maturity date. I contacted XXXX and they sent me the XXXX mortgage agreement as well as the XXXX modification which I am attaching for your reference.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2021, we were contacted about a puppy for sale. We talked to the " sellers '', and requested live video. When it was time to make a payment for the puppy, we were going to use another payment option, but the " sellers ' suggested that we use XXXX because it was affiliated with our bank. I did a search and sure enough they were. This made me feel more comfortable because it was linked with our bank. Chase was advertising XXXX, I'd been with my bank for over 10 years and trusted them. I felt confident in knowing that since my bank affiliates with this service, then we are protected. We paid for the puppy and it's transportation. Afterwards we realized that it was a scam and contacted our bank immediately, but had to wait to speak with claims because they were already closed. We spoke with them on XX/XX/XXXX, and was essentially told too bad, your loss. Their response was that because we used XXXX and initiated the funds they would not help us, stating it's their and XXXX 's policy. They even sent a letter a day later ( some investigation ) that " as we discussed and AGREED UPON '', no action will be taken, the inquiry is resolved. The only reason we went with XXXX is because it was affiliated with our bank. Now they're pretty much saying, you're a loyal customer and even though you used a service that you trusted because our name was associated to it, and you trusted us, it's your loss, it's policy, no refund. No investigation to try and get our money back when they clearly know the bank the funds got transferred to, and definitely no regard that we contacted XXXX and informed them that we paid for a background reverse number check and found that this " company number '' was reported to them back in XXXX and they continue to let them utilize the service and scam people. The only reason we used XXXX and thought it was creditable and safe is because it affiliated with our bank. These services know people will use them and not look too much into their policies because their name is attached to their bank, and people trust their bank for protection. Banks like Chase could care less about getting their customers money back because it's not in their interest. It's our fault for trusting our bank.
Consumer complaint received 2019-08-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alpha Recovery Corp (FL)

On XX/XX/2019 at XXXX XXXX, I received a call from XXXX. I picked up and they asked if I was [ name removed ]. I asked who was calling. The caller said their name was XXXX. I asked what company she represented. She said she could not say until I verified my identity with a date of birth or SSN. I said I would not give out my personal information to an unknown caller. She said that she would give me what information she had if that helped. She then said my date of birth and the last four numbers of my SSN without me first saying I was who they were trying to reach. I then began recording the call, here is the transcript : Me : " Alright, I am now recording the call as well. Please tell me who you are. '' Caller : " Okay, that's fine, hun. So I just need to verify that information and then I can continue on. '' Me : " I am not giving out my personal information until I know who is calling. '' Caller : " Okay, again I can't say until I verify that I am speaking to the right party so I don't give out information to somebody that I shouldn't be giving it out to. So again I do have your date of birth if you could just verify if that was right or not. '' Me : " And what do you have? '' Caller : " I have [ removed ]. '' Me : " That is correct. '' Caller : " Okay, my name is XXXX [ removed ] and I am with Alpha Recovery Corp. This is an attempt to collect a debt by a debt collector, and any information obtained will be used for that purpose. This call may be monitored and recorded for quality assurance. By continuing this call you are providing your consent. This call is regarding our client which is XXXX XXXX, XXXX, for XXXX XXXX XXXX XXXX. They sent an account to our office for collections for [ amount removed ] and due to the delinquency of the account, we just want to know how you want to get this resolved. '' Me : " I'm not familiar with that company, please don't contact me again. '' Caller : " Okay, thank you. '' [ Call end. ]
Consumer complaint received 2020-04-28
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: CITIBANK, N.A. (KY)

I mailed in a dispute with Citibank in XXXX of XXXX and the same dispute again XX/XX/XXXX. I also emailed and spoke with them on the phone regarding this dispute. I have neither received a notice of dispute nor a resolution. I spoke with them on the phone today, XX/XX/XXXX, and was still unable to get a resolution.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (VA)

Visa bill chase card services due XXXX XX/XX/2019. Certified check drawn on account at XXXX XXXX XXXX XXXX XXXX Virginia on XXXX XX/XX/2019 and mailed on the XXXX of XXXX.On XXXX XX/XX/XXXX I received a notice from Chase card services that the certified check was returned to XXXX XXXX. Upon checking with my credit union no check was returned. My branch manager made contact with an account superviser at Chase and after a substantial amount of time it was revealed that a number reader at Chase missed a number, the check was not returned it was destroyed by Chase.My credit union can not re-issue another check for 90 days. We are talking about XXXX I want my money back and Chase should be held accountable.
Consumer complaint received 2019-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I enclosed a letter dated XX/XX/XXXX with my monthly XXXX payment of {$110.00} + {$100.00} Principal that included explicit instructions for handling any overpayments ( payments over the amount billed ) I might make. This letter and payment due on XX/XX/XXXX was received by Navient on XX/XX/XXXX and the letter also instructed Navient to retain the instructions and apply them to all future over payments. These instructions included directives to apply any over payments to the principal balance of the loan with the highest interest rate, and not to reduce my monthly payment or put my loans into Paid Ahead status, etc. 

For my XXXX monthly payment due XX/XX/XXXX, I sent a check in the amount of {$1200.00} which was received by Navient on XX/XX/XXXX. After this payment was processed by Navient, my next monthly billing statement dated XX/XX/XXXX and due XX/XX/XXXX from Navient was for only {$58.00} as were all subsequent bills. When I paid my XXXX, XXXX and XXXX bills I enclosed a letter asking them to put my payment amount back to {$110.00} and asking them to explain why they changed it against my explicit instructions not to. I have received no explanation to date and my monthly payment remains at {$58.00} despite my repeated requests. As best I can tell, it looks like Navient stopped billing me {$26.00} for Loan XXXX almost like it was put into " paid ahead '' status, and they also stopped billing me another {$32.00} as well. Note that Loan XXXX is currently the loan with the highest interest rate! 

I have attached the following documentation : - My XX/XX/XXXX letter and payment handling instructions to Navient - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - My XX/XX/XXXX letter asking for an explanation and to have my payment changed back to {$110.00} - Navient Loan Information dated XX/XX/XXXX prior to my {$1200.00} payment and showing {$110.00} due - Navient Loan Information dated XX/XX/XXXX after my {$1200.00} payment and showing {$58.00} due and {$0.00} due for Loan XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

At the end of XX/XX/2017I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have contacted Equifax on numerous occasions about a Bankruptcy Acct # XXXX that they are reporting on my credit report. I have sent them letters in the mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have this inaccurate and unverified Bankruptcy Acct # XXXX removed from my credit report. This same account has already been removed from my XXXX credit report and my XXXX credit report. XXXX has also sent a dispute request to XXXX on my behalf on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX that Equifax HAS NOT RESPONDED to the dispute sent by XXXX. Equifax has taken more than 30 days to respond to the dispute.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MO)

Name XXXX XXXX Bank Institution : US Bank Account # XXXX Routing # XXXX SSN XXXX I contact US Bank in XXXX to advise of fraudulent activity to my checking account. 
They advise of sending me another card and would research and refund the fraud charges. I contacted them again after receiving the new card but the funds had not been returned. They advise about sending paperwork. Still nothing.
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC (TX)

XX/XX/2019 payment made : XXXX XX/XX/2019 payment made : XXXX Account was paid in full. 
Bay Area Credit reported me to my credit report after I paid the account in full which has negatively impacted my credit. I received no communication ( phone or written ) on this matter.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I had submitted a claim and it was being investigated they closed it with false information and I was told they would re issue a new claim number and fix the error only to find out my account was closed and sent to their collection department. XX/XX/18 They closed the account and now I am being subject to pay XXXX in fees that the account remains overdrawn for.