davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

In XXXX XXXX, I was contacted by XXXX XXXX, based in Mississippi, about consolidating/refinancing my XXXX XXXX student loan, which had a relatively low fixed interest rate. The XXXX offer included a 0.25 % discount for signing up for ACH withdrawal linkage, as well as a 1.0 % discount for on-time payments. When I originally spoke with the loan officer, the loan was to be reamortized over 30 years. However, by the time Within a short time, XXXX was acquired by XXXX XXXX XXXX XXXX XXXX XXXX This transfer did not affect my payment schedule. Then in XXXX, XXXX was acquired/sold the loans to XXXX. At this point, my payment was jacked up from $ 200/month to $ 300/month and the amortization changed from 30 years to 20 years. 

Not long later, the note was transferred to XXXX. Then it was transferred to XXXX. At this point, XXXX raised my interest rate to 4.50 %. I attempted repeatedly to resolve the matter, but their XXXX XXXXervice reps always refused to hear my complaint or to escalate the matter. They also refused to provide the complete original loan documents including the Promissory Note and Amortization Schedule. I informed them that they assessed my loan as ~ {$10000.00} more than I owed. 

Then this summer - XXXX - my note was transferred to Nelnet. NelNet claims that my interest rate stands at 5.5 %. They are unable to provide any documentation about my loan. The federal government 's website, http : //studentloans.gov, also comes up empty when I search for any promissory notes or amortization papers. 

According to my estimate, my student loan was paid off this summer, in XXXX XXXX. Therefore, I have overpaid NelNetXXXX by ~ {$600.00}. I hereby request a full refund of the amount I overpaid, and to have the debt eliminated from my credit reports, declaring the loan PAID IN FULL. 

I look forward to your response. 

Sincerely, XXXX XXXX XXXX Rhode XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XXXX I never opened this account in XX/XX/XXXX Pls. send the signed contract with my name or it or -- -Pls. remove this IMMEDIATELY XXXX XXXX who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XXXX Who is this?? Equifax if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXXXXXXXXXX Consumer Affairs pls. looking to this information since Equifax seems to think it is ok to put peoples personal information on their site without any proof of records.
Consumer complaint received 2017-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

RE : NEW COMPLAINT IMPROPER SERVICING OF MORTGAGE LOAN ENDING IN -XXXX To Whom it May Concern : Complaint Information : A complaint was filed on XXX with the CFBP. XXXX XXXX XXXX provided a letter dated XX/XX/XXXX to the complaint which contained false statements and inaccurate information ( See attached ). Capital One responded indicating that no payments were made on my account during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and a payment was received on XX/XX/XXXX in the amount of {$3300.00}. No lump sum payment in the amount was ever sent to XXXX XXXX XXXX on XX/XX/XXXX. 

This information is false and inaccurate. While I was in a Chapter XXXX bankruptcy, I was responsible for making all payments directly myself. The mortgage payments were not made through the trustee/bankruptcy court. Attached, you will find evidence/proof from our XXXX XXXX XXXX checking account statements provided by XXXX XXXX XXXX showing ALL the above referenced payments were made during the months they were due. I have placed an * next to the payments in question. 

Since filing the original complaint with the CFPB in XX/XX/XXXX, I have attempted to contact XXXX XXXX, Office of the President, Financial Services on the phone numbers provided in the attached letters several times. This individual does not answer the phone and has not returned any of the messages I have left.
Consumer complaint received 2017-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I have the annual battle most every year. XXXX in Ga. is  the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX & XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
XXXX reports me as XXXX & XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. Trans Union : Still mixing my Info with my XXXX father.  idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He Passed in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely. 
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

I had an old account deleted from my credit file by all 3 CRA last month and this month Equifax has since added it back to my credit file ( XXXX XXXX XXXXt ) is the account however I have not received any supporting verification stating that the account belongs to me and according to the CRA once any information/account has been deleted based on lack of verification of a dispute, any subsequent reporting can not be reinserted unless accompanied by a Certification of Accuracy that provides the missing certification. See FCRA 611 ( a ) ( 5 ) ( B ). That requirement applies to any furnisher, not simply to the prior furnisher. The CRA must approve the Certification before they can reinsert. if they reinsert, they are required to send specific notification to the consumer within 5 business days.If reinserted 3 days ago, then you should be getting a notice from the CRA within a few days. If no notice is sent, you can presume the furnisher did not provide a Certification to the CRA, and thus the required procedure was not followed. In that event, you would provide evidence to the CRA of your prior dispute, thus establishing lack of furnisher compliance with section 611 ( a ) ( 5 ) ( B ) ..
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I was paying the mortgage payment on weekly basis and wells fargo bank did n't apply the payment towards principal and interest, they accumulate the payment and apply at the end of month My loan no is XXXX from XX/XX/XXXX i start paid Auto-Debit on weekly basis, I have account summary statement which shows the payment history. When i called wells fargo bank they told me my funds can not applied before the end of month, if thats the case they dont have to offer this, as the bank made money on my deposit and my loan was open for that period. I request the recording to wells fargo for the conversation and they said it takes 15 business days the work tobe completed.
Consumer complaint received 2017-10-19
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. (IN)

Every year since XX/XX/XXXX, my Credit information has been mixed with my XXXX 's at all three Major Bureaus. I have the annual battle most every year. XXXX in XXXX is the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise XXXX myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX XXXX XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
XXXX reports me as XXXX XXXX XXXX XXXX. After 2 USPS Letters addressed to my XXXX XXXX, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX XXXX 's name. 
. XXXX XXXX : Still mixing my Info with my XXXX XXXX. idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went XXXX in XX/XX/XXXX, it was XXXX in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX He XXXX in XX/XX/2009. Yet, it is still listed in MY CREDIT REPORT. 
Experian .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely. 
I am unable to call or through the internet Experian to find out if my Wife or I either had been part of the Experian Recent foo pah .. 
Do you enforce the LAW? Please do ....
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

This is a separate complaint regarding the same credit card for which I submitted a complaint ( # XXXX ) back on XX/XX/XXXX. Citicard called me back within one week and resolved the issue, so I decided to keep the card. 

I just tried using it today, XX/XX/XXXX, but it was declined. I called to find out why, and they informed me that my card account had been closed at my request on XX/XX/XXXX. I did not request my card to be closed subsequent to the account rep calling me to resolve the issue, which was several days prior to XX/XX/XXXX. 

Nor had I contacted the company since XX/XX/XXXX when I tried to activated my card, but then was told that I couldn't, which was what spurred my initial complaint. 

I am submitting a complaint because they could not re-open my account without me having to run through the entire account opening process again, including running credit checks and issuing me new cards, which would take over a week. This level of incompetence is ridiculous. I can not believe how difficult it has been to open a card account. And then only after I made a complaint to the CFPB, did they try in earnest to resolve the issue. And I even gave them a second chance to use their card, only to be told that my account was closed, and furthermore, if I want to continue using their card, I have to go through the account opening process again. 

I am shocked and disappointed that the regulators allow a company with this level of incompetence, disorganization, lack of communication within their organization, and most of all inability to simply open a basic credit card account to operate and offer such products to individuals, many of whom lack the knowledge of how card companies should operate unlike myself who used to work at one.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

SUBJECT XXXX about CHASE BANK. 

I received an e-mail from you stating that Chase Bank responded to my complaint that they were " working on it '' .The last e-mail from you stated that the case was closed. That answer is absolutely not acceptable!! Chase Bank has been " working on this issue since XX/XX/2017! They do not answer my repeated phone calls and still have not returned my money which was never intended for that bank in the first place. Chase has had my {$2000.00} ACH check for over FIVE MONTHS. By now a solution should have been reached. I need action not words. I am still without my money! 
PLEASE HELP! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MD)

I contacted Hunter Warfield about this collection/debt. They stated that someone name XXXX XXXX used my social security number. They stated that I needed to file a police report so I did. They told me to fax the paperwork to them and they would investigate and clear my report. I haven't heard from them and its still on my credit report. 
The amount owed {$5100.00} on XX/XX/2016
Consumer complaint received 2017-10-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

PLEASE HELP! I 've seen were cfpb XXXX XXXX time XXXX I 'm having the same problem with a smaller carlot in Florida. XXXX XXXX XXXX doing business as XXXX XXXX XXXX. XXXX XXXX XXXX has violated the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting on my credit that a reposed truck account is still open as of today and it states I 'm over XXXX late. This is a violation of the FCRA. If you read attached documents you will see XXXX XXXX XXXX has resold the truck to someone else who is making payments and XXXX XXXX is the lien holder. I also uploaded a copy of my insurance from XXXX showing the same company was my lien holder. I know it 's a volation of the FCRA for a company to be doing this. Equifax has also not done a real investigation on this matter. I keep uploading proff and Equifax keep allowing XXXX XXXX XXXX to keep in accurate information on my credit report, Which is a major violation for the FCRA. At this point I 'm going to look into legal counsel Against Both Equifax and XXXX XXXX XXXX.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

We applied for a loan modification from Selene Finance after our mortgage was sold to them from XXXX XXXX XXXX. We timely made all 6 of the payments requested as contracted for during the trial modification period through XX/XX/2017. The amount that they put on the contract for modification included thousands of dollars of ridiculous fees but we agreed to it anyway just to get the loan modified. They sent us paperwork to finalize the modification which we signed and returned. They have now failed to send us fully executed modification documents. They have told us they would be coming. I will not pay the mortgage into the suspense account void that continues to incur bogus fees until I have the modification documents. We have been requesting them for 2 months. They are telling us to pay back due payments and it is not the deal that was agreed on. Now they are sending an intent to accelerate and foreclose. This is the same thing we went through last year. Now rates have increased and we believe that the Bank is trying to renegotiate their loan modification to increase the rate. I have all of the paperwork. I think they are crooks with terrible customer service.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I applied for Chase slate credit card I was approved & soon I received my card, I started using the card for shopping and making balance transfers, suddenly on XX/XX/XXXX I received a letter form Chase card member services sating that the account is closed, I was extremely shocked I tried calling the 800 number and finally I was able to speak with a customer representative and he explained to me that the reason they closed my account was that they saw in their files that there are XXXX delinquent credit card accounts from XXXX & XXXX under my name I explained to the person on the phone that how can that be this is something impossible since I only Immigrated to USA on XX/XX/XXXXalong with my family etc. He answered that the Chase bank has take decision to close the account and there is nothing I can do about it..I wrote a letter to them providing information about the Identity theft that was a victim of and provided police report and wrote a rebuttal letter explaining to them that again that I am a ID theft victim and I dont have anything to do with the accounts opened back in XXXX & XXXX I did not authorize anyone to open accounts in my name I dont have only in XX/XX/XXXX applied for chase slate credit card I never dealt with Chase bank or Chase credit card before. 
Until now there is no action from chase to reopen my account.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XXXX XXXX to XXXX XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX XXXX made payments to our home equity line of credit with Bank of America ( A/C # XXXX XXXX. Our payments were made according to the terms of the loan and in excess of the amount due each month. In XXXX and XXXX of XXXX, payments were made, and subsequently returned to us because, according to Bank of America, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of XXXX in terms of paying more than scheduled amount by Bank of America. Therefore, the only XXXX months where payment failed to post to this account were due to payments returned by Bank of America. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the Bank of America system. Please see transaction dates between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX vs XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. As you can see from the Bank of America print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XXXX XXXX to XXXX XXXX.
Consumer complaint received 2018-03-26
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 — Problem with personal statement of dispute
Company: FC HoldCo LLC (AZ)

XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding a listing on my credit report. This response is in reference of a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested involving an unknown creditor listed as XXXX XXXX on my credit file. I continue to dispute all referenced matter from any company named above. The dates they provided were a conflict as my residence was in the state of Texas. I have never contacted anyone form this company. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I have never entered into any contract with your agency. The information submitted provided non substantial evidence of any contractual matter between the above mentioned and myself. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. I am requesting all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX