davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My name is  XXXX   XXXX  an d BSI Financial has b een my loan servicers since  XXXX   XXXX , and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very   XXXX   XXXX   XXXX   XXXX  . Since last year we 've requested loan modification from  BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only w ishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.   We found a lot of fraud, especially with the   XXXX   company. You can look at the attachments and see what kind of fraud   XXXX   creates. They tried to sell my property illegally, they do n't have any right to sell my property on  XXXX   XXXX ,  XXXX .       XXXX   XXXX     XXXX  pdf See  attachment.
Consumer complaint received 2017-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/XXXX, there were XXXX deposits ( XXXX checks ) made into my and my son 's checking account for the amount of {$1400.00} each, totaling {$2900.00}. Subsequently, on XXXX and XXXX there were XXXX withdrawals for {$1400.00}, {$70.00}, and {$1400.00}, totaling {$2900.00}. The deposits and withdrawals were unauthorized and not ours. <P/>The checking account was restricted by Chase, JP Morgan on XXXX due to the checks being fictitious and were therefore returned to me. The bank also charged {$48.00} total for service fees of the XXXX returned checks. <P/>The checks were from a company called XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, New York, with the bank check routing numbers being from an account in California, and the fraud was committed at an ATM in XXXX, Illinois. <P/>The checks were not my son 's, nor do they match his signature, we have proof we were in XXXX at work and school. There has never been in the history of the checking account any ATM deposits until XXXX/XXXX/XXXX when these transactions occurred. <P/>I contacted Chase on XXXX in person at a bank, then again called on XXXX and filed claims about the deposits and withdrawals. All of my claims have been repeatedly denied. I escalated the denials to Chase Executive Office via a Chase Bank Branch Manager. Chase repeatedly tells me that I am being denied due to two reasons : 1 ) the account was being " monitored '' and 2 ) I did not submit the claim in a timely fashion, when federal law states that I have two years to file a fraud claim. <P/>I have even contacted the company in New York and researched them on-line and contacted them and they are obviously not willing to fix this problem either. <P/>On XXXX/XXXX/XXXX, XXXX XXXX from Chase Fraud in  XXXX, Ohio ( who was the specialist in charge of my account for this situation ) told me that he froze one of my accounts and it will remain that way until I pay the negative balance on my account. After our discussions, he did unfreeze the account but withdrew the {$2900.00} from one of my other accounts instead to make the account positive and in positive balance standing. <P/>I did everything I was supposed to do. We have excellent credit history not just with Chase but all of our financial institutions. We have NEVER filed a claim before with Chase or anyone else. I have filed a police report and have the report number. I want the {$2900.00} back that was stolen from our account and that Chase in turn deducted from me when there is blatant fraud that was committed and they repeatedly deny this to me. <P/>The company already has ALL letters, signed claims from me, proof of signatures and has been offered attendance records from my son and I at school and work and they did not ask for these. I even suggested for them to obtain the ATM video from the ATM in Illinois and obviously they did not do that.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed. The new ones that was just added is  XXXX   XXXX   XXXX / XXXX / 2017  &  XXXX   XXXX   XXXX / XXXX / 2017 .
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (TX)

I have been receiving collection letters from a collection agency called " XXXX XXXX '' for a debt that I have not availed ( from Speedy Cash ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both XXXX XXXX and Speedy Cash as to the origins of these collection letters.
Consumer complaint received 2016-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo contacted my phone in attempts to bring my joint account with my husband up to date. I told them i was aware of the over drafted account but due to the sudden loss of my mother, i lacked funds to bring the account up to date in order to pay for her funeral. I told them not to contact me not my husband because i will bring the account up to date when my husband i returned home from her funeral and there was simply no need of a reminder. They responded and said okay and within the days they reached out to my husband several times and i finally answered the phone reiterating that i demanded you all not to contact us during our time of hardship, we were aware of our debts and when we had the money which would be next week, we would replinish the account. I am already emotionally distraught due to my mother 's passing and their constant harassment is not helping.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On  XXXX   XXXX , I pulled my credit report with  XXXX  and all   XXXX   credit agencies came up. However when a mortgage lender pulled it.  XXXX   XXXX   XXXX  and  XXXX   XXXX  pulled it, both said that Transunion is not showing on my account. I contacted Transunion on Friday  XXXX   XXXX  and Monday  XXXX  to discuss and they advised that I am registered with them and should have a score due to their system having a score. I advised them that I do not have a score after trying numerous times. Not sure what to do but I am looking to open a home loan but t his one problem is preventing me from proceeding with get a home loan. Please help Thank you
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Hi    XXXX   got my wrong date of birth from some sources.     To correct it I have se nt two documents ( DL & SSN ) to   XXXX  on  XXXX   XXXX .     They confi rmed over the phone they will update within 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the document and they are completely clueless why  they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks  XXXX   XXXX
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX   XXXX  refused to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  two  separate months well after lease ended. The  Statute of Limitatiins is long past even based on their reporting and it also is very close to 7 years ago.       XXXX   XXXX  told me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violate s the Fair and Accueate Credit Transactio ns Act.     I have had a few Fords through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

Visited the office of a physician XXXX XXXX XXXX XXXX TX. for a XXXX. Listened to information and was hard sold and reluctantly agreed to give my CitiCard as payment. After a few days of research and speaking to my primary physician I decided the service was not for me. I have contacted the office of the physician to get a refund which they are denying me. I have contacted CitiCard to dispute the charges providing written documentation from the physician showing I have received no services and CitiCard refuses to reverse the charges, stating that the services are available to me when I wish to take advantage of them. The key here is I do n't want this stuff in my body and I should not be forced to pay for something I do not want and have not received.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

To whom it  may co ncern, I mailed a Multiple  Inquiry Removal Letter  on   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX     and they completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included  XXXX  Hard Inquiries on my   XXXX   report,  XXXX  hard inquiries on my Experian report and  XXXX  hard inquiries on my  XXXX  report that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the cr editor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (PA)

My experience with this bank on weekends is disappointing, questionable and curious. When I deposit funds on a weekend ( weekend as defined by this bank : Friday afternoon, Saturday, Sunday and Monday  XXXX  the credit does not hit my account until the bank settles it Monday night. But if a debit hits the account during those times the bank debits the account immediately. Specifically on   XXXX   they debited my account for a {$150.00} check. I had insufficient funds so they bounced the check and also charged me a {$36.00} overdraft fee. I was notified of this fee, etc. via an email from the bank I received on morning of  XXXX  and only finally saw when I checked my emails afternoon of  XXXX .! Also on  XXXX  about  XXXX  P.M. I made a cash withdrawal of {$70.00} from an ATM out of this account. Question #  1  : Why did they allow this withdrawal? Why was it not denied. Question #  2 :  Why did n't they wait until they settle weekend credits to also settle weekend debits?! Settling credits this way is disadvantageous to me, and allowing debits this way is advantageous to this bank. It does n't seem right to me. It seems wrong and illegal. In the past I received emails from this bank that a debit hit my account larger than my balance, and I was given a  three or four da y grace period to move funds into my account to cover the debit, and the bank did not charge me an overdraft fee. So why did the bank not send me a warning email and allow me to at least move funds into the account to cover the debit on Saturday, Sunday or Monday so that that credit would take care of the debit when the bank settles everything Monday night for the " weekend '' ( it 's even worse and a longer " weekend '' if Monday is a bank holiday ). Help. Thank you.
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

XXXX   XXXX ,  XXXX  CFPB : JPMChase denies me credit as retaliation for complaints that I have filed against JPMChase, and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the pa st five ( 5 ) years . JPMChase claims that I owe it over {$140.00} on my JPMCha se Visa Platinum Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee  on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX , JPMChase alleges that it performed more than {$140.00} of Maintenance on my Family Homestead,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance. JPMChase threatened to take away m y Family Homestead and  the personal property  of five ( 5 )  generations of my family, if I did not pay the Undeserved Maintenance Fee. JPMChase intimidated me into paying the Undeserved Maintenance Fee.   I demand that JPMChase remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my JPMChase  Visa Platinum Cre dit Card.   If CFPB can not get JPMChase to agree to this, then I request CFPB to get JPMChase to accept payment from my JPMChase Checking Account to Completely Pay Off the alleged Outstanding Balance on my JPMChase  XXXX   XXXX  Credit Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Platinum Holdings Group, LLC (TN)

worldwide assets has been garnishing my wages since   XXXX  -17, i do not know what im paying for .called the number my company gave to me. it is unlisted. my company said it was for  XXXX  have paid  XXXX  the case number is  XXXX . could you please help me find out what this is for or im beening scamed into paying., have not went to court or notify by mailed by company. please help
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX whom it may concern, I regularly monitor my credit reports, and believe that my inquiries on TransUnion 's report had been removed. These inquiries soon reappeared. After researching online, I found that a recent TransUnion glitch had affected my report. I was not notified of this glitch or that my inquiries were to be put back. I have called TransUnion but could not reach a resolution. Under the FCRA 611 in part 5 ( B ), previously deleted material can not be reinserted without authorization from the consumer or a written notice within 5 days. Since neither of these occurred, I request that the following inquiries be deleted from my report : 1. XXXX/XXXX/16 - XXXX Card 2. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card
Consumer complaint received 2017-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (CA)

Thursda y  XX/XX/XXXX  Syn chrony called our house at  XXXX   XXXX . The person had a heavy accept most likely from  XXXX . The last name was ours,  XXXX . I could n't understand the first name. I said I could not understand but why are you calling at  XXXX   XXXX . The person hung up.   I called the number back. It was indee d Synchony Financial.  We have excellent credit and our  XXXX  accounts are ahead of schedule. I 'm paying off  XXXX  this month. It is due next year.  The other w ill be paid off by the end of ''tis year. It 's due     XXXX   2019.     The person apologized after looking up our accounts - not before. In fact when I said  XXXX   XXXX  her response was she must have thought I was on th e East Coast. T he area code is California. She supposedly submitted a customer complaint. I doubt it. I did n't get a copy.   I asked for an apology frim the caller during normal hours. I doubt sny action has been taken and another person with excellent credit who is paying off the card earlier than the promotional period will be woken by this person.
Consumer complaint received 2017-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have spent hours trying to resolve an issue with my business account at Santander Bank. I have talked to several corporate professionals and each of them have passed my complaint along without giving me the information I am owed as a consumer. On XX/XX/XXXX, I received a letter from XXXX XXXX as a response to my memo to the corporate office on XX/XX/XXXX bringing closure to the case without answering my initial complaint. <P/>In summary, someone changed the address of my business account without my permission. My initial inquiry as to why I could not access my account led to the Bank professional in the office I first opened out the account suggesting I may have changed it and forgotten. I am outraged. <P/>The bank has informed me that they have no idea how this occurred, can not locate the signature card someone filled out to change my address, can not locate the teller or bank professional who made this change and have offered me XXXX Credit for one year. I am already a member of XXXX XXXX. I find this unacceptable. <P/>I deserve to know how this change was made, who made the change and the bank has an obligation to protect my account and not allow such a change to be made without any accountability of safeguards in place to trace such a change. I have been told those records are only kept for several years and they have no way of tracing such a change. I am certain if I went to court and the record was subpoena they would produce the computer generated information. Clearly, fraud has been attempted and I think it is internal to the bank. This is not the first time my account was compromised and I want a real answer.
Consumer complaint received 2017-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

O n  XX/XX/XXXX my husba nd and I closed our joint  Chase acco unt due an automatic monthly charge that would not stop recurring even after we told a separate company to stop the charges. I had the account with  Chase for  over 2 years plus being a customer with them for over 7 years all together. My husband was added onto my account back in   XX/XX/XXXX ,   so  the account was firstly mine then became a joint account. All my banking has ever been wi th Chase. So aft er we closed the account, my husband immediately opened anothe r one and  then on   XX/XX/XXXX  we  went back into  Chase to add  myself onto the account and i was declined twice. All they would give me was a piece of paper that stated i needed to call   XXXX   to find out why i was being decline . Chase sa id it could possibly be from fraud on my credit or frozen status. I called   XXXX   and talked wit h two diffe rent ladies who both told me the same thing. I had no fraud or any issues with my credit that would gi ve Chase a ny reason to prevent me from opening an account or be added onto my husbands account. So I called  Chase  through their corporate customer service and told then everything that happened and they were not help either. All they said was to keep calling  XXXX  I am completely lost and do not know what else I can do to open a bank account. I tried other banks and I keep getting declined. I need some detailed report as to why I am being declined for a bank account. I also have never had a bad check in my name nor have I ever closed an account with a negative amount. I was never in bad standing wit h Chase.