davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Quality Loan Service Corporation (CA)

Since quality loan response to CFPB XX/XX/XXXX various agency assisted with matter to provide new information. 
Quality Loan Servicing was the foreclosure and eviction attorney forXXXX XXXX California XXXXQuality Loan Servicing legal for eviction did not notice the court of the bankruptcy stay XX/XX/XXXXThe foreclosure XX/XX/XXXX appears to be void able based onInvalidity of notary XXXX XXXX XX/XX/XXXX foreclosure documentThe notary was unable to confirm any such document exist in notary journalCurrently my interest remains in propertyThe certified documents are being sent by certified mail to CFPB
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/XXXX, a process server dumped a summons that had my name on it to my wife while I was not on premise. Regarding a credit card I held once with a banking association called FIRST NATIONAL BANK OF OMAHA. I do remember I did have a conversation with that institution once, informing them of my unemployment status, but not aware of the balance nor did I have any information in the form of statements to what that balance was. That particular credit card was destroyed, by myself, two years ago in XX/XX/XXXX. 
Now I am being sued, by a law firm called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Tel : ( XXXX ) XXXX. I have never heard of this firm, this the first time I 'm seeing anything related to a credit card account that is in arrears, and given 30 days to respond in the Superior Court of California, XXXX XXXX County, where the financial institution, First National Bank of Ohama, has never sent me any email, phone call or mail that to let me know of an outstanding debt. I have not even been given an opportunity to verify whether the debt is mine or not ( my identity was comprosed three years ago when my XXXX credit card was stolen and used- which is why I destroyed the credit cards and issued a statement, in writing, to all of the credit card companies that someone had my account information ). This law firm, XXXX, as far as I can determine, was required to at least send me a letter letting me know they had been retained to settle a debt on behalf of the finanical institution. If they had, I would have worked with them. 
Instead, I 'm getting hit with a lawsuit, without any warning, or being informed prior, that there is a debt out there with my name on it. And with any credit card, according to the Fair Debt Collection Protections Act of XX/XX/XXXX FDCPA, I was supposed to be informed and given ( x ) amount of time to contact to find out if the debt in question is mine. 
I was not given this. Instead, no communication from the financial institution, no communication from the " debt collection '' law firm it apparently was handed to. 
What I know is I have a right to review the debt, with all relevant information pertaining to it, PRIOR to having a lawsuit filed. This financial institution and this debt collection law firm violated my rights to review the debt to determine whether it was mine and respond in a timely manner. Instead, my wife gets hit with a summons of a debt that is addressed to me, and me solely, when I was not there, without any form of prior attempts of communication by the firm or the financial company. 
Which is a violation of the FDCPA and my rights as a consumer, over a debt I do n't even know if it 's mine. 
Thank you for your time.
Consumer complaint received 2015-09-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I am a co-executor of an Estate that maintains bank accounts at People 's United Bank. I had to make tax payments on XXXX XXXX. I am providing a letter dated XXXX/XXXX/15 sent from the account officer at Peoples which succinctly summarizes the problem that occurred. There were more than sufficient funds in the Estate money market to cover the tax payments that needed to be made. The IRS is claiming a penalty of {$4100.00} due to the dishonored payment. The Estate accountant sent a letter to the IRS explaining the situation and including a copy of the letter XXXX XXXX, People 's United customer service manager. In response, the IRS sent form XXXX 'Bank Payment Problem Identification XXXX which I forwarded to People 's for completion. They refuse to provide any assistance in this matter as it is their contention that it is not their problem, despite the letter from their officer XXXX XXXX XXXX XXXX acknowledging that it is. In light of the letter from XXXX XXXX dated XXXX XXXX, 2015, the position that Peoples has chosen to adopt is incomprehensible.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My enrollment at the University XXXX was from XXXX XXXX through XXXX XXXX XXXX. 
Then I enrolled at XXXX University for fall XXXX. However, I once I graduated from the University XXXX XXXX I had a grace period of 6 months on my loans. 
XXXX Loan was opened XXXX XXXX, XXXX and one was a Subsidized Federal Stafford Loans in the amount of {$2100.00} and Unsubsidized Federal Stafford Loans in the amount of {$3000.00}. Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
According to federal law : The grace period is a set period of time after you graduate, leave school, or drop below half-time enrollment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period. 
Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans have a six-month grace period before payments are due. 
Graduate and professional student borrowers with Direct PLUS loans that were first disbursed on or after XXXX XXXX, XXXX receive an automatic deferment while in school and a 6-month deferment after they graduate, leave school, or drop below half-time enrollment, which is comparable to a grace period. 

Therefore, I was not liable to pay this account until XXXX XXXX. At this time I had received an in school deferment and I was enrolled at XXXX XXXX University. At this time, I ask that you remove the 60 day late payment immediately off of my account and credit report.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I 've recently obtained a copy of my credit report from your agency, and found the following error on my credit report in the name of XXXX and XXXX XXXX ( Judgement ) Please note that before making this request, I sent letters to the organizations responsible to determine their validity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond. Therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. 

I 'm reminding you that you are required to conduct the subject investigation in a timely manner. The Fair Credit Reporting Act states that the investigation should be completed within 30 days. Please send me a copy of my updated credit report to the address listed above following the completion of your investigation. 
Please also provide me with any documentation that you received in connection with the above investigation including, but not limited to, the telephone and/or contact information of the inquirers, any and all responses provided by the furnishers of information, and the specific action taken as a result of those responses.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the XXXX 2015 issue of XXXX Bulletin, page # XXXX. R.I.P Off by XXXX XXXX. Social Security death file ; XXXX XXXX advised ; that starting a month after the death of a relative to check the departed 's credit report at Annual Credit Report for suspicious activity .Which i did and as i send all my personal information, at Trans Union it became apparent tha the page is a fraud .The sad thing is that they got my Social Security info and other personal data ..Thank you..
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans union allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent Trans union certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. XXXX XXXX has been discharged for over 7 years mus be deleted. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report and XXXX. please do n't force me to sue I have documented every thing and I will win.
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (IA)

I have had my US Bank XXXX XXXX XXXX XXXX card for over a year now, and was charged the {$60.00} annual fee right away which of course I gladly paid due to the benefits it was advertised to come with. 

However, soon after paying, the first week of XXXX, XXXX XXXX & US Bank announced that they were no longer going to be offering the " Award Night Benefit '' of the card. The benefit was that if you booked a XXXX night stay on points and you had their credit card, you got the XXXX night free. This is right after I paid my {$60.00} annual fee for that benefit! The value of my card is now cut in half but my fee stayed the same. I called and was only offered XXXX points. I was told they could not waive the annual fee or give more points even though it 's a clear violation of the card terms I signed up under. They were violated right after paying the fee. The card is now worth XXXX of what it used to be. If that. Now I 'm finding out that other people received the fee waived plus XXXX - XXXX bonus points and I feel like they not only violated terms but XXXX me and ripped me off as a business customer. 


The terms said, " Bonus Award Nights - When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. XXXX Exclusively for cardmembers! " Note the " EXCLUSIVELY FOR CARDMEMBERS '' ... However, that 's false advertising because they now took that away! 

It also said, receive all of the benefits by paying your {$60.00} annual fee. Which I paid, and now I do n't receive those benefits. 

Thank you.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

In 2013, Scottrade Bank illegally offset my Scottrade bank account when conspiring with their affiliates Scottrade Brokerage and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested Scottrade Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, Scottrade Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against Scottrade Bank.
Consumer complaint received 2015-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank began to erroneously charge me a fee on my XXXX XXXX account last XXXX. Despite spending hours on the phone multiple times with them, they continued to do so month after month. I finally closed the account a few weeks ago and still have not received a check for the amount in the account. This is unacceptable.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In 2009, I had a property financed with Bank of America that went into foreclosure. Despite the fact that the property was surrendered back to the bank, they are still reporting to the credit bureaus that I owe them XXXX in relation to this mortgage. I have tried to dispute this balance with the credit bureaus, but Bank of America continues to tell them that I owe them $ XXXX, despite the surrender of the property.
Consumer complaint received 2015-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (GA)

I got a bill amount of {$63.00} from XXXX on XXXX/XXXX/2015 for the internet services which is unpaid at this time. 

Here is what happened - I took internet connection at my apartment with XXXX on XXXX/XXXX/2015. After installation, I started having problems with internet connection coming in and out. 
I called up XXXX Customer Care multiple times and they created escalated tickets ( Number - XXXX ), work orders ( XXXX, XXXX ) and sent technicians XXXX times to my house but none of them were able to fix the issue. 

I was also told by Customer Care that XXXX will credit {$20.00} for every technician visit if the issue is unresolved. 

Bad internet connection affected my office work ( because I work from home ) and I was so much frustrated that I had to disconnect XXXX services in less than a month on XXXX/XXXX/2015. 

Then, I got a bill from XXXX on XXXX/XXXX/2015 stating that {$63.00} is outstanding on my account. 

I did n't pay this amount because I feel as a consumer I did n't get the services which XXXX promised to provide when the new connection was taken. I called up XXXX Customer Care multiple times to waive off charges on my account, but they did n't bother to act on my concerns. Now, collection guys are threatening me to pay off balances otherwise it will be reported on my credit history. 

I have never defaulted on my payments for loans, credit cards, utilities in the past and have a clean credit history. I feel I have been cheated by XXXX and need CFPB to help me with resolving this issue. Thank you for your consideration and support in advance!!
Consumer complaint received 2015-10-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (OH)

I went to XXXX University for 4 years. My parents went through Chase to get my student loans. When I first signed my student loan paperwork the interest rate on it was low and they seemed to make it stated that I would have a low payment. After graduating college I received a bill stating I owed almost XXXX and my payment would be {$400.00} a month. This loan now 4 years later is an ARM with interest rates 12 %, 11 %, and 10 % interest rate ... NOT the XXXX, XXXX, and 6.25 % it started with or the payment of {$400.00} it is now {$700.00} a month. Mind you this is n't my only student loan because XXXX University is technically a college that costs XXXX a year and that does n't include food or books or rent. When I called Chase to discuss refinancing the lady on the phone literally laughed at me and stated there is no form of refinancing on chase private student loans because we no longer do them. There is no chance of you ever fixing in your rate or lowering your payment because we no longer have chase student loans. I was then transferred well my servicer is now XXXX which I have to go online and pay my bill every month which its due on the XXXX? Who gets paid on the XXXX of any month? I asked XXXX to refinance, to lower my payment, to do anything ... they told me Chase holds your loan and this is not possible. So after paying on my student loan for almost 5 years I am only down XXXX and I have a payment of {$700.00} a month with an increasing interest rate. My advice is if your parents or you are going to look at any student loans make sure you weigh out all federal loan options because I am sitting on private not moving. I have XXXX with XXXX student loan company and they wont do anything either. They call me about XXXX every 6 months to tell me basically that my payment is going up because I wont pay my student loan off in time. 
Why is it possible for PRIVATE loans that DO NOT have a part of this loan business anymore capable of not fixing in a rate, or lowering a payment, or doing anything to help? Why is it when you graduate you automatically are thrown under a bus and no one will help?
Consumer complaint received 2015-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo prematurely closed my account despite me making agreed paying. when I opened the account, I agreed to pay {$100.00} per month and I have never paid less than XXXX per month. when I contacted the creditor ( XXXX and XXXX ) for assistance in managing my Wells Fargo account, they verbally indicated that they no longer bank with Wells Fargo because they do not deal well with customers and that Wells Fargo has closed all of their customers accounts in XXXX. Since the deal with Wells Fargo and XXXX and XXXX ended, Well Fargo have been inflexible in managing the late fee and discrepancies on my XXXX and XXXX account. Although they closed my account after increasing my credit limit, I continued to pay on the account, but my credit report reflect that it is charged off because i have missed XXXX or XXXX full payments ( due to late fee and online banking issues ) and have been trying to rectify the discrepancies and get my account current since XX/XX/XXXX, but wells fargo have been extremely punitive with their exorbitant late fees and rude customer services reps, who speak to you in a condescending manner and tell you that thereis nothing they can do but close or charge off the account and ruin your credit. they then proceeded to close my account in XXXX although they received payment. Please note payment made as reflected through my online XXXX account statements : XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$120.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX $ 100.00I will be happy to forward the aforementioned transactions through a formal bank statements to support this documentation. 

In XXXX, and XXXX I missed online payments due to an online banking glitch, but from XX/XX/XXXX, Wells Fargo have consistent received payment as reflected in your credit summary. I explained this to Wells Fargo and other creditors that were affected. other creditors did not charge my account off. they worked with me to rectify the past issues, and now my accounts are in good standing. Wells Fargo has made no effort to work with me as they appear to be no longer invested in me as a customer, due to their severed relationship with XXXX and XXXX, who has actually apologized for the problems and invited me in to open an account with their new bank ( XXXX ), as they no longer do business with Wells Fargo.
Consumer complaint received 2015-05-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CASHCALL, INC. (MO)

I took out a loan with XXXX XXXX in XXXX of XXXX for {$2500.00}. My interest rate was set at 138.85 % with monthly payments of {$290.00}. After making 2 years worth of payments, over {$7000.00}, I finally submitted a complaint. My loan was moved from XXXX XXXX to CashCall to XXXX XXXX where they offered to reduce my interest rate to 20 % with a monthly payment of {$110.00} around XXXX of XXXX. It is now XXXX XXXX and my loan has been moved back to CashCall. After doing some research, I found out that in XXXX of XXXX, our Attorney General ( MO ) sued XXXX XXXX controlled by XXXX XXXX and this operation is prohibited from making or collecting on any loans in Missouri. The lawsuit also cancels existing loan balances for Missouri borrowers but I am still receiving notices that my monthly payment is due and will be extracted.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I received a bill from XXXX XXXX for an account that I do not have with them. I called their fraud department to report this. I am filing a police report about this fraudulent account. My credit report shows that on XXXX/XXXX/15 that XXXX XXXX made a credit inquiry on me in order to open an account. I have contacted all XXXX credit bureaus and placed a fraud alert on my credit report for the next XXXX days.