davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {$6600.00}. This information is incorrect. XXXX has finally removed this account off my report. XXXX just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXX XXXX/XXXX/experian about reporting false information and not fixing my credit report.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I fell behind on my mortgage after my business income fell. I applied for assistance with Wells Fargo Home Mortgage and hired an attorney to help me with the paperwork. Wells Fargo Home Mortgage put my loan into the re entry team. This departments sole purpose is to evade reviewing borrowers for assistance. According to my attorney this department and almost everything they do is in violation of RESPA Regulation X. My last submission was onXX/XX/XXXX. Since then Wells Fargo has been telling me my loan is under review. It is n't like I just faxed in partial paperwork on my own. I hired a professional real estate attorney who has a full time loan officer and underwriter on staff who put together my financial application packet for me and submitted it fully complete. Since then Wells Fargo has been picking apart my taxes and profit and loss for my business.. Today I was told I was denied due to the fact that underwriting does not " believe '' I no longer have expenses that were shown on previous tax returns. I have cut these expenses due to my decreasing income and I do the work now myself so I no longer have those expenses. My attorney says they have never heard of any underwriter coming up with this excuse to turn down a file. In addition, today I received a Notice of Default. According to my attorney Wells Fargo is not allowed to " Dual Track '' while I am under review. My attorney called Wells Fargo today and they told my attorney that my  loan does not go under review when it is with the " re entry '' team. My attorney advised Wells Fargo this is in violation of RESPA Regulation X. Wells Fargo can not " Evade '' review by putting my loan into the " re entry '' department. The latest date my loan was confirmed complete and under review was on XX/XX/XXXX.  Today Wells Fargo says the loan modification was denied on XX/XX/XXXX. The borrower per RESPA Regulation X has 30 days to appeal this denial without facing foreclosure. However, Wells Fargo recorded a Notice of Default on XX/XX/XXXX and taped it to my door today. My attorney called Wells Fargo to advise them they can not dual track a foreclosure because we are still in the appeal period. Wells Fargo says they did not put my file under review ( evading ) because when it is with their re-entry team it does n't have to go under review.
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX .... and XXXX XXXX are fraudulent accounts reporting on my Experian CREDIT REPORT.I have never at any time ordered anything from either company.Either someone used my information or it is an error of the creditor.They both accounts should be immediately removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX .... is a paid in full account.The current description as a chargeoff/collection is inaccurate and either should be corrected or preferably remove the account.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

Dear Sirs, First I do not know whether CFPB is the correct agency in the regard of the matter so I thank you in advance.

Im not an american citizen. Ive been in US for three months in XXXX in XXXX I opened a checking account in XXXX XXXX. I left there some money ( I do not remember how much, maybe XXXX $ XXXX ). Later, it has been acquired by JP Morgan Chase. 
However I received some years ago a communication that this account has been frozen after XXXX regulations and I would be supposed to fill some forms to ask the money back what I never did. 
So, I kindly ask you 1 ) If there is a procedure to get more information about ; 2 ) if there is a procedure to do it ; 3 ) who I should contact to get more information. If you need I can provide you the account number and SS number. 
Best, XXXX XXXX XXXX ( XXXXXXXXXXXX )
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S (OR)

I 'm filling out another complaint as the first complaint was NOT addressed. The case was closed illegally. You are required to take action or face possible legal action. 
As I stated before - Oregon Law clearly states attorneys who operate as debt collectors are in fact debt collectors and NOT an attorney. Therefore, under Oregon Law they are subject to consumer law and many other laws. They are required to have a valid business license since they are a DEBT COLLECTOR and NOT an attorney. XXXX XXXX XXXX did NOT have a valid business license in XX/XX/XXXX nor did they adhere to all State & Federal laws  since they were in fact a debt collector and NOT an attorney. Therefore, any alleged debt is illegally represented. As such, Oregon DOJ will be taking legal action against XXXX XXXX XXXX as they have on prior debt collectors who operate illegally in Oregon.
Oregon Supreme Court Ruling - State Law - Final Ruling : Attorneys who operate as debt collectors are in fact debt collectors XXXX XXXX XXXX IN THE SUPREME COURT OF THE STATE OF OREGON XXXX XXXX XXXX , an Oregon professional corporation ; and XXXX XXXX XXXX , individually, Petitioners on Review, v. XXXX XXXX , Attorney General ; and Oregon Department of Justice , Respondents on Review. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I spoke with XXXX XXXX with Oregon Div. of Financial Regulation. XXXX stated XXXX XXXX XXXX XXXX was illegally conducting themselves as debt collectors. XXXX XXXX XXXX XXXX unknowing to me filed a judgement for alleged debt. I filed paperwork prior to this so it was illegal to file the lawsuit in the first place. Furthermore, Oregon Law & Federal Law required all debt collectors to be licensed with NMLS. XXXX XXXX XXXX XXXX did not have a NMLS license, did not have an active business license in Oregon as outlined by state law and called my business to collect on this alleged debt. All of these are violation of Oregon 's Customer Protection Laws. Which was upheld by the Oregon State Supreme Court in XX/XX/XXXX. Oregon Div. Of Financial Regulation stated this is a violation but the Dept Of Justice would have to be agency to file a lawsuit and/or take action for the violations. This would mean the court case in XXXX County - Case # XXXX - is not valid. As such a motion to vacate is mandatory under Oregon Law. I request the Oregon Dept of Justice take  action against XXXX XXXX XXXX XXXX. I have a large box of documents as evidence.
Consumer complaint received 2017-11-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

XXXX Mortgage inflated my Mortgage Principle balance of {$84000.00} to XXXX. XXXX sold my mortgage to Select Portfolio XXXX XXXX and stated my principle balance was {$130000.00} when the loan was sold. XXXX illegally inflated my principle balance by {$150000.00} dollars incurring fees and mortgage modification in house which was never approved by XXXX. I never received any final agreement from XXXX in XXXX. I received a Military assistance program for 36 months of a fixed rate of XXXX percent and a mortgage payment of {$490.00} I was a victim of the Mortgage crisis bubble of XXXX, XXXX was told by the Federal government when they received the " Bailout Money '' to restore all distress properties to a fix rate under the Home Affordability Program " HARP '' but XXXX instead choose to initiate an in house Loan Modification that was never finalized in XXXX. XXXX made money selling off my mortgage and made a profit of {$150.00} or greater. I have a copy of the Detailed Transaction History that shows no Modification made in XXXX through XXXX XXXX. XXXX added the last two transaction in XXXX XXXX. I want my Principle balance restored back to {$84000.00} which is item number 491 of the Detailed Transaction History
Consumer complaint received 2017-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I do NOT have a signed contract nor any contract with Kohls. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

About five months ago ( approximately XXXX or XXXX of XXXX ), my landlord contacted me to say that I owed rent. He said he had not received the rent check I sent him in XXXX XXXX. I contacted the bank, and they said the check had been cashed. I requested a copy of the check and no endorsement was legible on the copy. I told them the landlord says it did not get the check and asked them to return me the money because apparently the check had been stolen and they had let the thief cash it, even though the check was made out to my landlord and not to the thief. There has been a lot of mail theft from mail boxes in my area. 

The bank told me that it was too late to do anything about it, because the check was from XXXX, however I told them as soon as I found out about the fraud, which was after the landlord told me he was not the one who cashed the check. There was no way for me to know earlier that a thief had cashed the check and not my landlord. 

I have spoken to Apple Bank repeatedly, but they refuse to do anything, which is why I am making the complaint. The most recent time I spoke to them was about two weeks ago.
Consumer complaint received 2017-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

until XX/XX/XXXX I was making loan payments to navient every month through automatic withdrawal/payment. what I did NOT realize ( because I thought I was in good standing ) was that they were charging me a late fee of at least {$6.00} every month ... even though it was an automatic payment every month. I asked them to fix the issue and reimbursement the late fees bit they would n't so I told them I would stop paying them. now, I am unable to view my account history in full to prove my case ( account history stops at XX/XX/XXXX ). I believe that the late fees accrued nearly every month from the time I set up auto payment ( but I am unable to see my entire account history on their website ).
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I received a letter from my mortgage bank that my account was delinquent for the XXXX payment. This was around XXXX XXXX. My payment is automatically taken from my bank, and the money was deducted from my account. Unknown to me, the bank raised the amount due by {$50.00} to cover additional escrow. Because it was not the new FULL amount, they would not credit my account. 

When I spoke with them they explained what happened. I submitted the difference and adjusted my automatic payment to reflect the increased amount. The late charge was reversed. They did not tell me that this was reported to all 3 credit agencies as delinquent payment. I called them on XXXX XXXX to ask them to update the credit agencies that the payment was not late. According to law, I was told, they could NOT change the report. Because they mailed a letter that the escrow amount was increasing, my only recourse is to file a complaint with this agency. 

They received the full 100 % of the mortgage and the current full amount of the escrow, on time. They need to go back and fix my credit history so that it does not reflect that this was a late payment. They received over {$2000.00} on time, the gap which I was not notified is the ONLY cause for a delinquent payment. I want my credit score fixed to reflect the reality that I do pay on time.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

I am selling my home in a short sale. We have been approved and unfortunately an old loan from the previous owner has come up on the title. We have contacted Chase which seems to be the lien holder in regards to the lien release so that we may close. They were originally contacted In mid XXXX and to this day they have made us send them the title binder, mortgage, assignment of mortgage to them to multiple e-mail which include : '' XXXX, XXXX XXXX XXXXXXXXXXXX, " XXXX, XXXX '' XXXXXXXXXXXX, XXXXXXXXXXXX, and to their manager at XXXXXXXXXXXX. As of today they are forwarding documents to be submitted to processing after weeks of phone calls and emails/ I have tried to speak to a manger and have escalated the request on multiple occasions but NOT EVEN ONE representative is able to give me an update on this request. We are past my short sale approval date and have yet to receive a concrete response from Chase except to resend the documents again.
Consumer complaint received 2017-11-13
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: EQUIFAX, INC. (TX)

I have contacted equifax on several occasions regarding inquiry on my report that I did not recognize I have been getting the run around for months I did not authorized any of these inquiry some are listed mupitle times. Below are the inquiry. 
Business Name Business Type Inquiry ForDate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-13
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)

My federal student loans are currently in in-school deferment. Some of them are in deferment until XXXX of XXXX, others through XXXX XXXX. Yet for years now I have been receiving inaccurate and misleading information from Navient that I have payments due each month. Everytime I log into Navient 's website, it shows a payment due date for the coming month. I also receive misleading and inaccurate information in emails from Navient saying I have a payment due next month. However, whenever I call the customer service hotline at Navient I am assured that my loans are in deferment, there are no monthly payments due, and that I should " rest assured. '' It is difficult for me to discern which information on their website is accurate and which is inaccurate. I have also tried to be proactive to prevent missing any payments or making any late payments. I have requested, multiple times, to set up autopay and link my current bank account so that in the event that a payment is due ( either in error, or because I was simply too confused by the inaccurate and misleading information on their website to understand that this time it really is due ) an autopay would take place. However, Navient continues to tell me that since my loans are still in an in-school deferment I can not set up an autopay. I have to wait until my loans come out of deferment until I can set up autopay. But everytime I log into the Navient website, it looks as if I am in danger of missing the payment due next month. The whole system seems intentionally designed to deliberately trick students into missing a payment and being hit with late fees and interest rate hikes. This causes me extraordinary stress as I never know if I am about to miss a payment or not. For example, according to their website and the emails that they sent me I had a payment due yesterday, XXXX XXXX, XXXX. I could n't call their customer service due to the holiday weekend, so I did n't sleep last night worried I was missing a payment. When I call them this morning they told me essentially to ignore the information I was receiving via email and on their website. But someday ignoring that information could result in a missed payment. When should I ignore the information and when should I heed that information? It is extremely distressing and confusing.
Consumer complaint received 2017-11-13
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: Experian Information Solutions Inc. (CA)

Over the course of the last couple years, as you will see if my numerous CFPB filings/complaints, I have been a victim of identity theft. It has now come to my attention that recently I have had multiple other fraudulent accounts now appearing on my credit report. In addition, I have also seen that multiple accounts that are reporting on my behalf via all ( 3 ) credit reporting agencies ; XXXX, XXXX  and Experian are now reporting extremely inaccurate ban ] lances and pay history accordingly. 

I have not been disputing any of my accounts over the past 6 months because for whatever reason I have been unable to obtain a credit report and also have not been successful getting in to my online monitoring services. Of course, these are both separate issues entirely. However, upon further investigating my reports, particularly Experian in the last couple of weeks, I have noticed of plethora of items of concern. I have also received documentation via email, mailed collateral etc., from XXXX  claiming that I was one of the millions apparently breached in the XXXX security breach a couple months ago. I am concerned that this is one of if not the sole reasoning for several of these both fraudulent accounts and some unauthorized charges attacking accurate accounts on my behalf. 

The following is a breakdown of the accounts that are either fraudulent and or reporting inaccurate balances and pay history for the " accurate '' accounts. 

( FRAUDULENTLY OPENED ACCOUNTS ) 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX Acct : XXXX 6. XXXX XXXX XXXX XXXX Acct XXXX 7. XXXX XXXX XXXX XXXX $ XXXX limit 8. XXXX  XXXX XXXX ( COLLECTIONS ) * XXXX XXXX XXXX XXXX. 
Acct : XXXX Client : XXXX {$8300.00} ( INQUIRIES ) * XXXX XXXX XXXX XXXX, 2017 UNAUTHORIZED CHARGES AND INACCURATE PAY HISTORY. These accounts are mine, but have had unauthorized charges and subsequently are reporting inflated balances and pay history inaccurately. 

1. XXXX / XXXX XXXX * not 120+ days past due, balance should be {$8800.00} Please note that each individual creditor has been contacted by me via phone calls and certified letters to no avail. I would greatly appreciate your helping me with these matters accordingly.
Consumer complaint received 2017-11-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a dispute letter to Experian on XX/XX/XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. Experian received my letter on XX/XX/XXXX at XXXX. Experian failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Experian was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.
Consumer complaint received 2017-11-13
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. (NY)

XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per XXXX XXXX. My equifax score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.