davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My USAA member number is XXXX According to eRegulations 12 CFR Part 1026 ( Regulation Z ) titled : FINALITY OF ERROR RESOLUTION PROCEDURE, A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). Thus, for example, 1026.13 ( c ) ( 2 ) prohibits a creditor from reversing amounts previously credited for an alleged billing error even if the creditor obtains evidence after the error resolution time period has passed indicating that the billing error did not occur as asserted by the consumer. USAA has violated this law in response to a previous complaint on XXXX/XXXX/2017 from USAA, they state " You explain that a year later after issuing permanent credits, USAA reversed the action and is holding you liable for purchases you state you did not authorize. '' This reversal takes place way beyond the time allowed by eRegulations 12 CFR Part 1026. According to this regulation even if the creditor obtains evidence after the error resolution timeline has passed the creditor ( USAA ) is  prohibited from reversing any amount previously credited. In addition, I received notices from USAA stating the investigation was complete and all credits were final. I only learned these had been reversed after calling in as they are only listed as " transfer adjustments '' online. Shortly after inquiring, USAA removed my online access to all of my accounts and in discrimination and retaliation to exercising my rights closed this and all of my other accounts as well without any warning or detailed explanation. Even worse, I have yet to receive an account statement for the above mentioned account or any of the supporting or related documentation despite repeated requests. Making matters even more difficult it took over a month to finally receive a follow up phone call with the agent XXXX from the CEO 's office who everyone said I needed to speak with. Upon finally speaking with her, she had no actual knowledge of my account or any of the federal regulations stating USAA did not need a reason to close my account, reverse the credits despite the timeline set forth nor did they have to offer any explanation for any of their actions due to regulation Z. When I inquired about regulation Z she could n't tell me anything about it. She even stated it was found in the card member agreement, but she could n't tell me where because she did n't have it in front of her.
Consumer complaint received 2016-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX 2016 and again in XXXX 2016, someone stole my XXXX XXXX credit card number and charged in excess of {$2000.00} in clothing. I reported XXXX of these cases of identity theft to XXXX XXXX, my local police department, each credit bureau and the FTC. XXXX XXXX claims they are investigating the identity theft. In spite of this investigation, XXXX XXXX continues to have their collection department call me and now they have placed a negative " 30 day late payment '' on my credit bureau accounts. I have REPEATEDLY called XXXX XXXX to try and get this resolved to no avail. Please assist me.
Consumer complaint received 2017-06-26
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. (OH)

I had an overdraft protection feature on a checking account opened in XX/XX/XXXX at XXXX XXXX XXXX. I was XXXX at the time. InXX/XX/XXXX it was reported as late and due to me being young and not financially sound I did n't pay some overdraft fees that totaled XXXX dollars. Several years went by and as a worked toward my professional career I wanted to get my credit in order. So in XX/XX/XXXX, I checked all my reports and saw this XXXX charge I knew nothing about not remembering what it was from. I paid it immediately. However, my Experian and FICO report is showing that I failed to pay for years which equals 65 months of failure to pay status on my report. This is literally tanking my credit over 250 dollars. The worst part is that due to the timeline it would have been better for me to never pay it off and just let it fall off my report after the 7-year limit but I thought I should pay what I owe. I do n't think it is fair to have 65 failure to pay statuses on my report when the bank writes off as a paid profit loss and then I proceed to pay it when I learn how to manage credit as a young adult. I do n't think it 's fair for the life cycle of this account to restart since I choose to pay off what was owed instead of letting it fall off the report. It 's doing a ton of damage to my report over 250 dollars from a XXXXyear-old. And  again I PAID IT BACK in full to the original creditor.
Consumer complaint received 2017-06-26
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)

1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX service member, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my military  career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My bank of america account debit card was charge for the amount of XXXX dollars and latter for the amount of XXXX dollars, I call bank of America to dispute this transactions and spoke with XXXX from Bank Of America Claims departments he mention to me that the XXXX dollars were a fee over the transaction of XXXX dollars and no matter what kind of dispute i do those fees will be no be reverse until the review of any dispute i filed. 

So the issue is because of both transactions my account was overdraw and was charge a fee of XXXX dollars, Bank of America has refund the XXXX dollars fee for the overdraw and posted a credit of XXXX dollars but leave the XXXX dollars with XXXX cents on my account what makes my account remains overdraw, and the bank is not willing to remove it from the account. 

i have called several times and i am willing to provide the evidence that neither the first charge or the fee where authorized charges but the banker claim there is nothing he cant do
Consumer complaint received 2017-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS ( loan XXXX ) has not been up front with me about the process of loan modification. When I speak to someone at the company ... they say they have all the information they need then a few days after we speak I will get a letter saying they need more information. When I send in the additional info they say they need ... they wait a couple weeks, then call me and tell me they need it ALL over again because the info they have is now too old. At least every other day, sometimes more, I get a phone call from SPS and the person always hangs up the second I answer the phone which is very odd. I will call back and they say they have no record of this. They are purposely trying to dodge me in order to foreclose, which is not right. They have a modification process but they never allow me to finish it or block me from doing so. I became behind on my mortgage which is at SPS or Select Portfolio Servicing. The home is my former primary residence at XXXX XXXX XXXX XXXX. I moved my family away from this home to a better school district 5 years ago. I could not sell the home at the time, as in 2012 the mortgage was more than the home was worth. I lost the renter for several months which caused me to become behind on my payments. I have never asked for anything for free, just to add the missed payments into the back of the loan. The problem with all this is that SPS has been evasive and they want to foreclose. They are not trying to help in an way and not even following their own rules and regulations that they sent me early on. Thank you, XXXX
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I m so tire of dealing disputing with Trans union and XXXX looks they are the king of the system, it seems nobody can regulate them!, I dispute XXXX hard inquires they deleted right away,, but on XXXX XXXX then they reinstate all of them again, they suppose to let me know 5 days before they reinstate them since now I was in the middle of applying for a new loan you know. is very frustrated been in the process of been qualify then I got denied because they put back the XXXX i inquires back without letting me know why was the legal reason to do that, I need your help please..the names and addresses I circle in my attachment are not mine.Transunion and XXXX keep adding new address lately.
Consumer complaint received 2016-11-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stanislaus Credit Control Service, Inc. (IL)

I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( stanislaus credit control and XXXX had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I applied for a modification and after making three initial payments on time, the bank refused to accept additional payments without providing a reason. I seeked the advice of a legal counsel and after numerous attempts in saving my home, i have now been adviced that the modification was once again denied. I feel i have no recourse unless this agency assists me. I am desperately trying to save my home and dont know what else to do. Each time i tried negotiating with the bank, they have offered me no options other than foreclosure. I would appreciate your asssistance with this matter. I thank you in advance.
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law (NY)

I was on Medicare at one time and this medical bill was paid through medicare. I had to pay the XXXX {$170.00} out of pocket deductible which I did. Now I have XXXX medical bills that are in collection. Medicare confirmed they paid these bills in full. The other question is how can an attorney sue me for medical bills for XXXX different doctors? Is n't that double dipping? I do not owe these XXXX medical bills and want them removed out of collection on my credit reports as it is causing my credit to be affected negatively.
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (MI)

Collection Agencies Account Receivable Solution and XXXX XXXX XXXX, Respectively under XXXX XXXX XXXX XXXX / XXXX. There are XXXX accounts the first list now as ARS for first mentioned company of the total for XXXX and the other XXXX are with XXXX for second company mentioned for amounts XXXX & XXXX. Both companies are XXXX XXXX XXXX XXXX. Who which when I first was seen for XXXX, I had medical insurance through my state of California. I gave the Hospital my insurance information at time of services, and nurse came back to my spouse 6 times, discussing how she was going to put the insurance in the system. We were assured that the insurance was on file. The Hospital has yet to send me a bill in the mail and the same goes for the collection agencies for the debt which should of never been handled in such a manor. On XXXX/XXXX/2016 when I found out about all of the debts I spoke with the CFO of XXXX XXXX XXXX XXXX, XXXX XXXX. She verified my insurance information in the system and what I had sent her from the state of California for the tax year sheet given for tax purposes. Thus far XXXX XXXX has yet to return a call and I have left numerous voicemail 's to get this handled properly. Subsequently since my phone conversation with her in which my spouse had to take over since she was being extremely aggressive towards me, every time I speak with a rep after our only phone call now there is no information of my prior insurance on file. Secondly, the XXXX collections agency have never sent any correspondence to me at my mailing address in their systems. They have however pulled addresses from my credit report and have sent mail to those addresses, which is an unauthorized since my current and permanent address is on file. Thirdly, the hospital has stated that this collections was for a individual pay which is not what I was told in the beginning of my journey to rectify this misconduct. For what I am seeing in my search for a resolution I am seeing that this hospital has no concept of medical coding when it comes to stuff they are not used to.
Consumer complaint received 2016-06-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

disputed a debt on XXXX report, called Hospital to get information about debt. asked if they used a XXXX. in XXXX from XXXX XXXX XXXX, Hospital staff connected me directly with a company that handled collections for XXXX. ( XXXX XXXX ) ... they said they had no information on me. XXXX report showed Commonwealth Financial as collector. Got # called them told me by phone debt was {$170.00} & service date was XXXX/XXXX/XXXX @ XXXX XXXX XXXX Hospital in XXXX XXXX ( never been in that Hospital ) I was seen in ER @ XXXX XXXX XXXX. in XXXX on XXXX/XXXX/XXXX & admitted. @ time I had XXXX insurances XXXX & XXXX ( was in process of filing for XXXX ) & Insurances paid bills in full ( {$0.00} balance ) Collection Co. just seemed to make up a balance? Lied to me about amount ... Person I spoke w/ a collections is XXXX XXXX Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ext XXXX ) I asked for letter for validation w/ date of service/amount/date of last activity/etc ... ( He pretty much told me He 'd send their standard statement ) would not tell me what info would be on it ... The {$170.00} is bogus & 2 years different on date of service. Seems like a case of FRAUD to me??? Tomorrow I 'll mail a cease & desist letter w/ a request for Validation letter ... Filed a complaint w/ XXXX as well. will gather supporting evidence from hospital & Insurance companies. We 'll see if I 'm sent anything from them? Want this removed from Credit Report. Seems like my credit report is full of mistakes ... lodged other disputes. I do n't have perfect credit & do n't claim to be a saint ... BUT WRONG IS WRONG. I 'm trying to repair credit ( I do n't need errors/fraud, to make it any harder than it already is. )
Consumer complaint received 2017-06-26
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. (GA)

In XXXX of 2017 a creditor by the name of XXXX XXXX XXXX XXXX appeared On my credit report. I disputed the account immediately with the credit burea as well as the company along with CFPB. CFPB case # XXXX. The debt was removed from my credit and a cease and desist order was placed. In XXXX of 2017 I noticed that the same debt appeared back into my credit report without any notification from the credit bureau or the creditor. I am asking that this debt be removed as it is not valid and am requesting proof of debt with signature. Also the credit bureau did not properly notify me that this debt would be placed back into my report as required per the FCRA.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (MI)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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 or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (WI)

I went onto Chase.com and paid my bill but the website somehow did not process my payment. I put my bill away and went back onto Chase.com the following week and noticed that the payment was overdue. I called Chase to explain I was certain I made the payment, but they would not remove the late charge.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Follow up on complaint XXXX. 
I received a call today Roundpoint regarding the extra payment I had made to them.The call was regarding the complaint that I had filed with CFPB. I have not heard back from them regarding numerous calls that I had made prior to filing a complaint. 
The representative informed me that they had received my complaint and were going to start an investigation. She asked me to submit a copy of the cashed check. She was oblivious to my prior communication with Roundpoint and the documentation that I had submitted with my CFPB complaint. A month later, I have not received a adequate response from Roundpoint and they claim they did not receive a payment when I have a copy of the cashed check from my bank. 
CFPB, thank you for your help and support. I am frustrated beyond my " boiling point ''. If my case can be used as an example to save others from issues with Roundpoint, please share my story with the community. 
thank you kindly, XXXX XXXX
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX, I was offered to spend XXXX and get XXXX Membership rewards points. On XXXX XXXX, I called to confirm the offer. They confirmed with me and told me it was the last date to meet the XXXX dollar purchase requirement. Today I called again. Now they are telling me it 's XXXX purchase requirement.