davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OUT TECH, INC. (PA)

A XXXX XXXX bill which was the sole responsibility of the XXXX XXXX health insurance plan through my current employer XXXX XXXX who has agreed to pay all insurance claims relative to the XXXX XXXX XXXX I experienced in XX/XX/XXXX, is now showing up on my credit report even after I retained legal representation to resolve the matter in anticipation of this happening. XXXX has agreed to pay all XXXX costs associated with my XXXX  after receiving a demand letter from my attorney but has evidently not paid the outstanding debt they agreed to pay via their legal contractual obligation of my health insurance policy with them at the time which is also is still in force. I have been with the company for over 10 years and was insured under their health insurance plan at the time of the XXXX. They illegally terminated my health insurance without any notification to me on XX/XX/XXXXbut yet cashed another premium payment on XX/XX/XXXX and tried to get out from under their legal obligation to pay the rest of my XXXX  costs which is the bill being disputed on my credit report.
Consumer complaint received 2018-04-08
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. (MN)

Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2018-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

We applied for and opened two credit card accounts with Bank of America as a result of a fraudulent transaction. We own a time share in XXXX ( XXXX XXXX XXXX ) and were touring a different time share property. We declined to purchase the other time share but were referred to another area of the company where they offered to purchase our time share in exchange for joining their membership club. We were told they would purchase our time share property for {$39000.00} if we paid {$13000.00} for the membership via applying for an XXXX XXXX XXXX signature card through Bank of America. 

We agreed to this transaction solely on their promise to purchase our time share property. We kept up with our side of the agreement by applying for and receiving credit accounts to charge for the {$13000.00} membership fee and providing them with the contract/proof of our ownership of the timeshare. However, after several weeks where we received no further communication with the company and after several telephone calls and email attempts to contact them, the purchase of our time share never happened. 

We believe that Bank of America participated in this fraudulent activity by providing the credit for payment of the {$13000.00} membership fee even though the time share company never had the intent of purchasing or time share property to start with. 

Details : Date of Transaction : XX/XX/2016 Company : XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Credit Card - XXXX XXXX XXXX signature card via Bank of America
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

My credit card is supposed to have travelers insurance. During hurricane Irma, my trip got cancelled. I was able to file a claim with the airline directly and get a refund for that. 

My hotel on the other hand, I could not get a refund, they could only offer another date during the year, which at this point wasn't really an option for me since I am now overseas. 

I filed a claim with my credit card and submitted all the documentation required. They still said I was missing documentation and I could never get a clear answer. It seems like they closed my claim at this time. 

There was plenty of documentation I sent, that I don't really have access to at this time, but the documentation being submitted here, should be sufficient enough to show my case.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ballybunion Enterprises, Inc (NY)

I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification
Consumer complaint received 2018-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

Since I have had the loan, almost 10 years, I have always paid on time without a hitch. In the recent months I fell behind and missed a payment. The first in 10 years. I have tried to work with them to lower the payment or have a temporary forbearance and Navient advises they dont do that. They said they dont offer any assistance with payment issues. I tried to work with them ti bring my account current and I even made a roll back payment. I was told that would give me 30 days to make another payment. Since I started to make an effort to work with Navient I have gotten several calls a day. Sometimes more then 10 calls a day back to back. Even after the roll back payment. I asked them to cease and disist but they refused. I want proper action taken against Navient as practices like theirs are illegal and go against consumer rights.
Consumer complaint received 2018-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

I applied for a HELOC with US Bank and they did not provide disclosures on time as required under TILA and Reg Z. I have tried for over a week to provide documents to my loan processor, however she first suggested I send the documents to her in an unsecure method via email. I advised I would need a secure way, and she advised she would set me up on a portal. I have tried multiple times to use this portal, however it is not set up where I can send messages. I have tried calling and I am placed on long holds without resolution. I feel like this is an unfair and abusive practice - I have been placed on many holds without resolution. I am trying to supply what I need to move forward with my mortgage - i am unsure if they are stalling because they know I am in a same sex marriage, or if there is another reason they are purposely delaying this application. At this time, I have been on hold with this XXXX number for 18 minutes and counting. I was transferred here from a sales line, which I was able to get through on in 2 minutes, and was assured their office in XXXX, OR would be able to respond. I am about to hang up and withdraw my application, but I feel like the CFPB should investigate their Reg Z and UDAAP violations.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with XXXX. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was Second Round LP. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from Second Round and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

My issue is with the late fees charged on the account. I've had automatic payment on this account since day one. The payment is debited from my checking account and applied to the loan. Apparently some months ago one payment was returned and I didn't realize it. I hardly ever log in online to check this account since my payments are done automatically. The day I log in to obtain information about the loan since I was thinking of refinancing it, I noticed that a payment was due and I made my payment. On XX/XX/XXXX I sent an email to Ally asking to see if any fees could be refunded because I saw that an amount of {$490.00} was due in late fees only. I get a response on XX/XX/XXXX and it asks me to call them because due to the nature of my request they need to speak with me by phone. I call them on XX/XX/XXXX and the person who assisted me said he couldn't do anything for me. I replied back to the email online and ask them why had they asked me to call if they were not going to be able to assist, they could have just said that they were not going to assist on their email response. Based on that email, they only refunded {$29.00}. If they check my payment history, they'll see that for the past 4 years I have not had any other late payments and I deserve to be refunded more than that if not all.
Consumer complaint received 2018-04-06
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: Security Credit Services, LLC (MI)

In XX/XX/2017, I discovered I had been the victim of fraud. Someone used my information to lease two tv 's through a XXXX store in Virginia. After speaking with the leasing company, filing a police report, filing a XXXX complaint, and submitting a complaint to the CFPB, XXXX XXXX ( the original creditor ) acknowledged that this was a case of fraud, told me they bought it back from the debt collector it was sold to, and removed the account from my credit file. However, I have now discovered that Security Credit Services, who bought the debt from XXXX, is still reporting a {$1500.00} balance in collections with XXXX.
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (IA)

I had an identity theft and accounts opened in my name that don't belong to me and I have no knowledge of. Cavalry Portfolio SVCS has put one of these accounts on my credit report stating that I owe the money. It is a fraudulent account, it wasn't opened by me. I have requested SIGNED documents showing the account was mine and that I opened it, which they can not provide. They only send an old credit card statement from the account. Which doesn't prove anything other than that the account exists. It may exist but it wasn't opened by me. 

I have also had robo calls to my cell phone about this debt which is illegal. I could sue for big money if I decided to. I have these saved on my voice mail. 

There is no proof I opened this account because it wasn't opened by me. They have been informed multiple times, as well as the credit agencies, that this debt is not valid and shouldn't be on my credit score ... yet it hasn't been removed. I want this removed from my credit score. I have went through a lot of trouble getting fraudulent accounts removed from my credit score after my identity was stolen, but this one hasn't been removed. It needs to be removed.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I have repeatedly requested that Chase bank lower the interest rate on my credit card to at least the interest rate with the other cards I have with them. The card in question has an APR of 28.74 % whereas every other card I have with Chase has an APR of 17.49 %. There is literally no justification for this excessive and abusive rate. I am requesting an immediate reduction of the APR on this account to at least the APR of my other credit cards with Chase.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

Per my credit report in XX/XX/2018 XXXX XXXX reported that I had a delinquent payment. There is no amount attached. I did not have a delinquent payment per my online statement. I called XXXX XXXX and they did not have an answer as to what happened but they would try to fix it. It hasn't been fixed yet. I understand that it hasn't been that long but this isn't the first time. When I was refinancing my home I found an old delinquent report from XXXX XXXX as well but it was so long ago it was hard for me to prove. If you look at my credit history I have never had late payments accept of course for XXXX XXXX.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore Loans overpaid my property taxes on XX/XX/XXXX, received the refund from the counties ' tax office on XX/XX/XXXX, cashed the check on XX/XX/XXXX and has not refunded my escrow account. Better yet, they deny even receiving the refund check which they cashed. My load is up for escrow analysis and they are fraudulently raising my monthly payment.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently pulled my credit report via transunion and noticed there were four inquiries on my account..however when I called the companies that inquired they stated credit was not pulled. I then learned that transunion had an inquiry issue that involved re-reporting of old inquiries. I believe that I am a victim of this inquiry issue. I called transunion but they refused to do anything about it. I am requesting these four inquiries be deleted from transunion as re reporting something already deleted without a notice of is a violation. And these inquiries are not accurate
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (CA)

BYL collections, XXXX XXXX and XXXX XXXX XXXX, Representative XXXX, contacted me reguarding a bill with XXXX XXXX XXXX. The bill is due to identity theft. The spelling of my name is incorrect, I never lived in XXXX XXXX, NV. XXXX XXXX XXXX informed me the bill has a contact person being XXXX XXXX. Neither company can provide me with any documentation containing my signature, only a computer printout. This company is requesting me to fill out fraud papers with my signature, but I refuse because I am afraid to give any information to this company to give them identifying information to pin this bill on me. I sent the paperwork to the three credit bureauls with a police report. This is an attempt to collect a debt not owed by me. this is not my debt. I tried to resolve it with the company but they insist on making me pay this bill but IT IS NOT MY BILL! I want proof of validity of this account and when it cant be provided I want a deletion as well as for them to lose my information and stop harassing me.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I logged on to my Wells Fargo account portal to schedule the monthly payment. I followed the same steps as always, scheduling a full balance payment to be transferred from my saved checking account. Wells Fargo acknowledges that I logged on that day but did not record my payment. They suggested that I may not have hit submit to finalize the payment. I am 100 % positive that I scheduled the payment in the same way I have for many years now. After a couple calls about this matter, Wells Fargo agreed to waive the late fee of {$25.00}, however the charged interest remains and presumably a negative remark on my credit report for a late payment. Perhaps they are correct and the error was on my part. Or perhaps the matter is not so uncommon and other customers have had similar situations? My confidence in Wells Fargo has been shaken by past behavior and my experience with this matter. I report this matter in case this has happened to others and document the prevalence.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP (TX)

This company calls repeatedly every day and has for months claiming to be trying to collect a debt from someone I've never heard of ( we are a business ). 

If I press 0 to speak to a live person the moment I try and explain myself they hang up on me.
Consumer complaint received 2018-02-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX BANK OF AMERICA made attempts to collect on a bankruptcy discharge zombie debt. On XX/XX/XXXX the debt was discharged and BANK OF AMERICA was notified by the the BANKRUPTCY Clerk and i of the discharge. Yet BANK OF AMERICA continues to infringe on my rights and entitlements afforded to me by the BANKRUPTCY discharge. My property is exempt under the BANKRUPTCY exemption rules and Homestead act.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX & XXXX XXXX Short sale was started with Chase on XX/XX/XXXX. We have sent the Purchase Contract and the HUD in to Chase multiple times, and even after confirming receipt and saying they are legible, Chase is now again claiming they can not read them. They requested a change to sales contract on XX/XX/XXXX, so obviously they could read it at that time. Now all of a sudden it's blurry and hard to read??? Chase has also just now requested an extension to the listing agreement, since they claim it expired in XXXX. They have had the listing agreement for several months and are only now refusing to move forward without a listing extension?? 

Chase is using these as an excuse to not work on the short sale and push this into foreclosure. 

Chase stated that HUD/FHA approved the borrower for Foreclosure Avoidance Options. However, Chase is refusing to issue the ATP. They are claiming that the " eligibility for pre-foreclosure options '' is what was received from the FHA in Friday and is not the ATP. They claim that that in order to postpone sale they must have the requested docs today ( XX/XX/XXXX ), that there is no guarantee of approval for the ATP, and that the FHA may decline to provide an ATP due to sale date being so close. The ATP comes before an offer is even reviewed. I have attached a blank ATP form as Chase appears to not know that they are and has no idea how to LEGALLY SERVICE AN FHA LOAN. The ATP requires 120 days for marketing and must be issued without a listing agreement or purchase contract. 


In addition, Chase sent the borrower the attached documents stating Let us know that youre interested in a short sale You can start the process by calling us, or by sending us a listing agreement, purchase agreement, or closing disclosure form by XX/XX/XXXX. ( ( see page 3 ) )  ***Chase stated the borrower has until XX/XX/XXXX to provide a package to be reviewed for a short sale yet on XX/XX/XXXX they refused to allow a short sale review to continue, claiming lack of documents. 

Therefore it is apparent that Chase is attempting to foreclose illegally. 

We do not have these issues on our white clients. WHY IS CHASE BEING ALLOWED TO DISCRIMINATE AGAINST THEIR NON-WHITE BORROWERS???
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern, On XX/XX/2017 I paid off my credit card for the amount of {$680.00}. At the time the payment was going through my personal checking account was compromised with fraudulent activity. I didnt realize til a couple days had passed so I ended up closing my checking account. So thinking that the credit card was at a {$0.00} balance i was using my credit card for online purchases. Then the payment was returned. But they kept trying to debit my account the same amount. Since the checking account was closed i kept getting charged a {$25.00} return fee. So i ended up having to owe the {$680.00} plus what i had spent on online purchases, a total of {$1300.00}.