davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (GA)

Our loan is with Fay servicing. We were making XXXX payments ( and still are ) per month XXXX XXXX XXXX to loan, XXXX to principal. Fay was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to Fay and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over XXXX  months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I am a Navient Studen Loan Borrower and have been a victim with issue of them not informing me as a borrower of certain information, not accepting my AutoPay payments forcing my account to go delinquent, negatively affecting my Credit score were I could not find a place to live, and falsing credit information. I contacted Navient and demanded the information and account be rectified. I was asked to submit documentation to prove my case. I submitted all my documentation and they have no rectified nor responded to my situation. 

I need help. My loans are at XXXX, I am a XXXX XXXX, XXXX XXXX that is suffering from a company I thought was helping me. They ruined my credit score and I ca n't even get a loan to buy a house or apartment. I pay all my bills on time and have never missed a payment. I do n't know who to go to. Please help me.
Consumer complaint received 2017-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

Your agencys failure to rebut, address, answer or respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX and Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created a Summary judgment. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Summary judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created this Final judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

Two years ago, I heard from a fellow military officer that  Barclaycard was offering generous benefits to current XXXX XXXX service members who apply for their XXXX XXXX XXXX XXXX XXXX XXXX ( part of their Luxury Card line ). These benefits included waiver of the annual fee and 0 % interest on any card balances for the duration of XXXX XXXX service. I contacted the Barclaycard military  phone number and spoke to a representative, who confirmed that these benefits were provided as a goodwill for XXXX XXXX service members. He advised me that if I decided to apply for the card, I would need to call him back to provide proof of current XXXX XXXX service. I applied immediately online, was approved and called him back. He requested that I fax a copy of my current Leave and Earnings Statement ( LES ) to provide proof of current XXXX XXXX military service. I faxed this to him and my service was verified. I received a letter in the mail, from Barclaycard confirming extension of the aforementioned goodwill benefits and thanking me for my service. I was impressed by the generosity of the company and proceeded to use my card regularly with monthly transactions averaging {$1500.00}. 

I was surprised to receive a letter in early XXXX stating that my account was ineligible for benefits under the Servicemembers Civil Relief Act ( SCRA ) because my account was opened after I was already on XXXX XXXX. This was odd, because the benefits discussed during the opening of my account were referred to as " goodwill '' and SCRA was never mentioned. Further, I reiterated on multiple occasions that I was currently on XXXX XXXX and the Barclaycard representative requested verification of that status before extending the goodwill benefits for my service. Thus, Barclaycard already knew that I was on XXXX XXXX at the time that the goodwill benefits were extended. 

The same letter noted that the annual fee waiver would no longer be extended and payment of the annual fee would be required if I desired to keep the account open past XXXX XXXX, XXXX. Interest on any balances would remain at 0 % regardless of whether I decided to close the account or keep it open. 

Barclaycard 's actions represent a significant breach of trust and integrity with an XXXX XXXX military customer. To suddenly withdrawal generous goodwill benefits that were offered for the duration of XXXX XXXX service, and to mask such actions as a misunderstanding of SCRA benefits, is unacceptable. This places me in a precarious situation where I face the decision of closing the account, at significant impact to my credit score, or keeping it open with while paying an annual fee that far exceeds the benefits of the card, as compared to similar products offered by competitors. 

Barclaycard 's actions, as of XXXX XXXX, XXXX, may also  violate the Military Lending Act.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (AZ)

XXXX is not correcting inaccurate information on my statements. A supervisor previously acknowledged there was an issue, but they now they deny there is a problem. I entered the information provided in statements in a spread sheet. It is attached. Notice that the amount I am supposed to pay each month for easy payment promotional purchases is not the actual amount applied to each item. I have been making at least the minimum payments every month. I can not balance my account until the issue is corrected.
Consumer complaint received 2017-10-28
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: Experian Information Solutions Inc. (TX)

My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all XXXX credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA XXXX XXXX ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

XXXX ii XXXX Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OR)

I had a problem with US Bank two months ago when they failed to apply my payment that got there on time, but they did not post it for a day. They lied! I called and told them to close my account. Last month they did not send my XXXX statement out until very late in the month, I did n't receive it until XXXX, but they did not change the due date. That allowed less than a full week to get it back to them on time because the XXXX was XXXX day and they were closed. I still got it there by XXXX. They acknowledge the receipt of the payment on XXXX, but they did not post it until XXXX, the due date. On the same day as it was due, before they posted my payment they charged me for a {$27.00} late fee, then they posted my payment. They purposely held my check until the XXXX, but they still tried to charge me a late fee! A dirty little trick, by a dirty little bank. I think they are trying to out XXXX XXXX XXXX for the leader of XXXX little tricks committed by a XXXX little  bank!
Consumer complaint received 2017-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I noticed that Loan Care wrongfully charged me twice for my full property tax in XXXX year, increasing my payment from XXXX to XXXX This can be seen on the attached Escrow Disclosure document on page XXXX. 

I filed an email complaint on XXXX/XXXX/XXXX given them my XXXX tax form and pointing out the error. I was issued ticket number XXXX. I then called and asked for my issue to be expedited and was told my issue would be resolved in XXXX business days. 
I called Loan Care after the a XXXX business days and they said it would be handled that night. They said they would call back when it was resolved. They never called back. I would call each week and they would give me a new resolution date each time, ranging from XXXX XXXX all the way to XXXX XXXX. They never would call be back and I would always have to call them. The issue is still not resolved and I am extremely unhappy with the way they have handled this. I am tired of calling them and getting disappointed. 

To add to the frustration, I ended up paying the XXXX amount for the XXXX XXXX mortgage payment since I was on XXXX XXXX Loan Care said after the resolution they would refund me the difference. We are now approaching the XXXX XXXX mortgage payment and my payment is still wrong XXXX XXXX XXXX. 

I really need some help as I feel they are giving me the run around and not solving the issue.
Consumer complaint received 2017-10-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (NY)

on XXXX/ 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my aacount, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. 
I immediately check my bank account, then the bank said the check ca n't be verified. 
I ca n't believe the morgens of chase bank made this kind deal with those people, First, the bank shows my check has been deposited successfully. Second, when the theft took my money, chase deny the check the was successfully deposited. 
I really need helps. I 'm still a XXXX, that is a lot of money to me
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX reported ( XXXX XXXX XXXX XXXX ) to CHEXSYSTEMS. The checking account was charged off for XXXX}. I have contacted XXXX XXXX collection department and fraud department. All associates I have spoken with have stated they have nothing on record of me owing any debts. I disputed this with CHEXSYSTEMS. I received correspondence from CHEXSYSTEMS stating after investigation, my dispute has been verified as accurate and therefore will be retained with CHEXSYSTEMS. I have tried to contact CHEXSYSTEMS with no luck. I either get no answer or re-directed. I am trying to understand how they came to that decision. Who did they contact at XXXX XXXX? If I had this information I may be able to rectify. I am currently red flagged with banking institutions and this has held up my financial progress. My dispute and complaint is, How can I be red flagged when XXXX XXXX can not verify I am in debt with them and CHEXSYSTEMS can not provide me with information on regards to who they spoke with to make this decision!
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (OH)

On XXXX XXXX XXXX attempted to contact Hunter Warfield Collections Asset Investigation via phone and I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that is not mine. The information was sent to the incorrect address and when I attempted to correct information agent XXXX XXXX was threatening and forcing actions on me. I do not owe feel this is a safe collections practices and it does violate FDCPA. Please assist me in correcting this unsavory tactics.
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (FL)

This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on me.
Consumer complaint received 2017-10-27
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: HUNTINGTON NATIONAL BANK, THE (MA)

I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I called Bank of America onXX/XX/XXXXaround XXXX est to get information about one of their mortgage products. I spoke to XXXX XXXX, and he said he would call me the following day. The following morning, I received alerts from all 3 major credit bureaus that a hard inquiry was now on my credit report from Bank of America. I never authorized Bank of America to pull my credit report, nor did they ask. When I called yesterday around XXXX to have them send me a deletion letter, so I can get the inquiry removed from my credit report, no one would help me.
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have banked with Citibank for over fifteen years. I have two accounts, one on which I am the only signer, and is over fifteen years old. The second is a newly opened joint account on which I am the co-signer. 
OnXX/XX/XXXX, I made a cash deposit of {$7400.00} ( XXXX XXXX XXXX XXXX  XXXX dollars ) to the account on which I am the only signer. 
Thereafter, Citibank placed a block on my account onXX/XX/XXXX, and cited the deposit of multiple checks on the evening oXX/XX/XXXXas a reason for the block. I have ATM receipts which prove that the deposits made were in fact cash, and no checks were involved. My account has been blocked for over a week with no explanation other than the deposit of multiple checks on XX/XX/XXXX, which in fact never occurred. 
And onXX/XX/XXXX, they informed me that they had closed my account, and would be keeping XXXX dollars of my money. The newly opened joint account was also blocked with no explanation as to why.
Consumer complaint received 2017-10-27
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. (FL)

I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (VA)

On XXXX XXXX, XXXX I sent Vance & Huffman a letter in which they received on XXXX XXXX, XXXX disputing an account on my credit file. I asked them to send me the XXXX XXXX, and promissory note along with my wet ink signature and they have failed to provide me with that information as well as they have not put my account in a disputed, nor have they verified the status per 15 U.S Section 1681i ... This account also has missing and inaccurate information listed which is in direct violation of the FCRA..
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (KS)

Hello, I tried to transfer my membership rewards points and I got a message stating that my account was under review. I am not sure why it would be under review when I legitatly made all purchases and I met every minimum spend requirement. If there was any returns I made sure to spend enough before the minimum spend time frame was up. I tried calling and talking to the membership rewards team and nobody could help me. I told them I urgently needed to access the points but they said in verbatim, wait XXXX weeks. For a company that prides itself on excellent customer service, this is absolutely unacceptable. I was n't rude, I politely asked for someone to review my account right now because theres nothing wrong at all. Please review the account that is frozen and allow me to access my points. I love american express and i look forward to continuing this relationship. Please do the right thing. 

Kindly, XXXX XXXX
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

After Equifax compromised 143 million American 's personal information and made them extremely vulnerable to identity theft, and then making the security monitoring offer available only by going onto a 3rd party website to again enter your social security number into cyberspace, making you at risk a second time ... .now they have sent a letter ( dated XX/XX/XXXX ) stating that the consumer can turn on, turn off temporarily, turn back on temporarily or turn off permanently, the security freeze in order to be able to get a loan for a car, home, new credit card, etc but they have to pay Equifax {$10.00} for the privilege!! Are you kidding me?? Even if each consumer does it twice, {$20.00} x 143 million is {>= $1,000,000}!!!  It makes one wonder if they conspired with the hackers to get this done to increase their cash flow!! What the XXXX is the government doing to help people with this???? This is my second complaint. The first one just directed me back to Equifax for more abuse. Then I contacted the Ombudsman who has ignored me for 2 weeks now. I thought this Bureau was suppose dot help consumers, not be complicit w/ organized crime! PLEASE HAVE THE OMBUDSMAN CALL ME! I WILLBE CONTACTING MY SENATOR IN THE MEANTIME!!