davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

The enclosed Assignment of Mortgage filed in the XXXX of the City of XXXX on XXXX XXXX, XXXX, was manufactured in order to pursue an illegal foreclose action. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the XXXX ( XXXX ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a shell corporation with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed the enclosed Assignment of Mortgage as an ( Assistant Secretary ) for XXXX on XXXX XXXX, XXXX. XXXX publicly went out of business in the year XXXX.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Innovis (TX)

I am disputing the findings of Innovis Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Innovis Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX XXXX Bank, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX XXXX Bank officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Innovis Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX XXXX Bank that its summary of statements were accurate, hence unfairly confirming the position of XXXX XXXX Bank against me based on inaccurate accounting ( attachment G, H ). 
5. Innovis Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Innovis Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX XXXX Bank should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

my identity was stolen and used and as a result some accounts were opened. I filed police reports with the XXXX police dept in XXXX report number XXXX and report number XXXX in XXXX. I mailed by last notification of my identity being stolen and accounts being opened and used including student loans. 
these are the fraudulent accounts opened that transunion refused to consider my police reports and the proof ive sent. 
XXXX all accounts XXXX and all inquiries except for any listed XXXX. 
i want these fraudulent accounts removed from my account and i want my current phone number added to the fraud alert on my report. XXXX
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There are several things listed which are NOT mine. TransUnion has my information merged with someone else. This has GOT TO STOP XXXX XXXX XXXX XXXX NOT MINE XXXX XXXX NEVER HAD XXXX NOT MINE XXXX XXXX XXXX ACCOUNTS XXXX, XXXX, XXXX NEVER EVEN BEEN TO THIS HOSPITAL REMOVE
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I wanted to downgrade my citibank checking account to one that is not charged a monthly fee. However, the promotion miles that I had earned from opening the account had not posted yet. I delayed the account change so the missing miles could be applied to my account. Each month I called back to check on it, but the miles still had n't been applied. I keep receiving fees because I ca n't change my account. I ca n't change my account because I do n't want to give up the XXXX XXXX XXXX miles that I earned. An official inquiry was made as to why my miles were n't posting. The letter explaining the results of that inquiry stated that there was not an XXXX offered with the opening of my account. That is not true. I opened the account using a promotion code which qualified me for XXXX AA miles. I called new account services to investigate for myself what had been recorded during my original application pull. The XXXX that I was talking to verified that I had indeed used the correct promo code for the miles and that they should have been applied to my account. When pressed further about the situation this same rep told me that citibank did n't have enough miles to award all the people that took advantage of the promotion because too many people had applied using the code.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Today I received an alert that XXXX had performed a credit inquiry on me. I did not authorize this, nor did I give them any info. Transunion should have blocked this as I have a credit lock that I am paying for monthly and there is a note on my account as there has been fraud before. Transunion did not live up to the obligation to protect my identity that they are charging me monthly for. This has negatively impacted my report and I am trying to secure a mortgage so I know I did not ask for this international online home furnishings credit
Consumer complaint received 2016-12-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was initially contacted via email XX/XX/2016 by an individual stating they were a Broker for XXXX in XXXX and that they were interested in purchasing a timeshare I own at XXXX in XXXX. 

In order to complete the transaction I was told they needed a copy of my driver 's license and passport in addition to wiring {$1800.00} to XXXX in order to cover the costs of a power of attorney, remaining maintenance fees, and transfer certificate. After I had provided the documents and wired the money they stated that the " buyer '' had deposited an additional {$8900.00} into the escrow account to cover the cost of paying off the timeshare and are now requesting that I wire this amount to them before the funds in escrow will be released. I became concerned about the legitimacy of the request and discovered that the " Sr Broker '', XXXX was actually a criminal using an inactive license with the XXXX Division Of Real Estate from the Real XXXX who reported that he was a victim of identity theft over 1 year ago. 

I had spoke to the following people representing themselves as brokers for XXXX : XXXX, XXXX, and XXXX. Another individual, XXXX, stated that he was the Financial Escrow Executive for XXXX in XXXX. 

The contact information I received for each company is below : XXXX, XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX, XXXX XXXX Company No. XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX
Consumer complaint received 2016-12-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (CA)

i opened a 1 year CD with Eloan XXXX 2016 in the amount of {$200000.00} usd. i started receiving unknown deposits to my checking account from Banco Popluar-after researching, discovered Eloan /Banco popular same company. 

1. They hid the automatic deposit Externally transferring interest monthly to my personal checking, in " my profile '' section at very bottom -- that no one told me about. I had to make an expensive call to eloan from overseas ( which is so annoying that they have no other option like live chat or emails to handle customer service actions ) 2.Eloan would not do anything to rectify their actions. i finally could access my online account ( eloan had locked me out of & only option was to call in -another example of eloans horrible customer service ) I went into my now unlocked account & successfully changed it to " add to principal '' on XXXX XXXX 2016. I know it was successful because i did 2 steps to confirm & site said change was now confirmed in red type. 
3. On XXXX/XXXX/16 another deposit came into my personal account. ELoan undid the 2 steps i did online to confirm the change to the interest deposit to be " Add to Principal ''. 
4. I am disgusted with Eloans fraudulent business practices. I demand they add ALL my interest to my principal from XXXX 2016. To pay me the full compounded interest -- that they are trying to short change me. I never, willingly or knowingly authorized the external transfer of interest of my money.
Consumer complaint received 2016-07-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

A bill payment that was initiated through Wells Fargo Bank 's online website was delayed beyond the " 1 - 5 business days '' quoted ( and posted in writing ) online. Consequently, the payee received the bill payment late. The excessive delay created late fee ( s ) and interest charge ( s ) for the payee. As such, I requested that Wells Fargo Bank contact the payee and provide a XXXX XXXX translator, so that the payee could fully understand the conversation. A manager in the Bill Payment department of Wells Fargo Bank refused to provide this XXXX Translator. Further, one of the employees in the Bill Payment department made at least XXXX false statements regarding providing a XXXX Translator.
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, I received a letter dated XX/XX/2016 from Kohl 's that I had opened a credit card. I did not open any credit cards with this company. I called they and they informed me that an online application had been placed for a credit card in my name. Both were cancelled by Kohl 's, however, the inquiry still remains on my credit report.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AL)

This loan began while I was XXXX in the XXXX, with XXXX in XX/XX/2008 and was sold to American Education Services. The original loan was for {$15000.00}, I have paid more than the minimum faithfully from day. According to statements, as much as {$3000.00} a year. Somehow the balance on the loan is still {$11000.00} which does n't compute even when taking the interest rate into account. When I call to try and find out how this is not a toxic loan, I am just threatened with leans if I fail to pay even though I never once hinted that I would ever stop paying back my loan. Something does not seem right about all of this and they seem to be hiding something to react this way right out of the gate.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (KS)

I traveled to XXXX in XXXX 2016, and used my Citibank World Mastercard. When I received my monthly statement, I incurred foreign transaction fees totaling XXXX. However, when I called Citi to question the charges, I confirmed the conversion rate. Specifically, I used the larger transaction for the XXXX on XXXX XXXX, which converted XXXX XXXX XXXX to XXXX. This does not convert using the XXXX exchange rate quoted by Citi. I asked Citi why I had hidden numbers inside the transaction, and that it appeared to be a double charge within the transaction, as well as outside the transaction. Citi reps told me that it was a line item explanation, and that those fees were not actually charged to my account, however, simple addition proves that to be incorrect.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

On XX/XX/XXXX I filed a bankruptcy. On XX/XX/XXXX a fraud security alert had been added to my credit report without my knowledge. All I show on the credit report is the number security ID number, it is XXXX. It does n't show the name Of The security company. It may belong to XXXX. It reads Alerts & Validations. The spelling of my names before this last name change made by me with Probate Court. My last employer EIN number is XXXX XXXX XXXX XXXX. The last tax return I filed was in XX/XX/XXXX. It was an annuity, I had no income, everything was being taken from me. I filed {$19000.00} taxable income was {$9400.00}, exemption amount {$4000.00}, tenative tax {$950.00}. Tax withheld {$2700.00}.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

I wrote to Experian in regards to an entry listed on my credit report which I previously disputed and requested to have removed. After disputing the public record, I was told that the public record was accurate and verified and it is still listed on my credit report. I wrote to Experian and asked them how did they verify the bankruptcy public record on my credit report to make sure that it is accurate if the XXXX of Pennsylvania Bankruptcy Court stated that they do not report or verify to credit reporting agencies with any information relating to any bankruptcy cases. If that is the case, then where did they get the information from? If they did not get the information from the BANKRUPTCY COURT, then the information on my report is inaccurate, false and should be removed from my report. I enclosed a copy of the letter I received back from the XXXX of Pennsylvania Bankruptcy Court supporting my position. I asked Experian to remove the bankruptcy public record from my credit report file immediately because the public record could NOT have been verified since there is no way to verify it. They sent me the attached letter stating that they would not investigate my dispute any more unless I sent them proper documentation. I sent them the proper documentation from the BANKRUPTCY COURT!!!!!! That is all the documentation that I need!!!!!! Experian has inaccurate and incorrect information on my credit report that I want REMOVED IMMEDIATELY under the FCRA is information can not be verified or is inaccurate, it MUST be deleted from said credit report.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America closed my credit card account with notice, immediately after I paid off the balance on the card with the intention of using the card for new purchases. 

A credit card holder should be able to reasonably rely upon access to their line of credit. If the bank can just close the account without notice, the card holder could be put at risk, e.g. if the cardholder is traveling or if there is an emergency. A bank should give reasonable notice to the cardholder before closing an account, in view of the fact that closing an account can create a serious hardship for a cardholder, even placing the cardholder in physical jeopardy, e.g. if the cardholder is traveling without access to other funds. 

Moreover, my account was closed shortly after I paid off the balance on the account, because I wanted to free up the available credit for new purchases. The timing of the account closure is suspicious and suggests that Bank of America waited for me to pay off the account before closing the account. In other words, the timing suggests that the account was flagged for closure because the balance had been paid off. Obviously, this kind of closure tactic maximizes the risk of financial hardship, because people often pay off credit cards with the intention of then using the freed up credit. 

Finally, this account closure tactic has an additional harm beyond placing the cardholder at risk of hardship -- it also harms the cardholder 's credit score. If banks close accounts because credit scores are low, this has a snowball effect, because the closures worsen the credit scores, perhaps leading to further account closures, and further worsening of credit scores. This enhances the need for reasonable notice and process before account closure.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MD)

My current mortgagor, Wells Fargo, sent an offer to refinance my loan to a lower interest rate. I went through the entire process, submitting all forms and documents. The title is only in my name and I am the only person on the loan. I was informed that since I was divorced over 7 years ago and my decree stated I had to make a payment to my ex-husband that the title company wanted a notarized letter from my ex-husband, stating I paid him the {$5000.00}. I informed Wells Fargo that the decree also showed he had to pay {$2500.00} in my attorney 's fees along with child support and as of XX/XX/2016, he owed over {$21000.00} in child support arrears. I provided a screenshot from the XXXX to further support my contention that I could not owe him the money, but he would demand forgiveness of the arrearage to provide the letter they wanted. I also noted that 7 years is outside of the statute of limitations and since no judgment is recorded against me, I can not owe this money. Wells Fargo then claimed my ex-husband was on the title and would have to deny my loan. Since this time, I have filed a complaint with the Maryland Attorney General. Wells Fargo subsequently claimed there was an error in claiming my husband was on the title and offered me the " opportunity '' to apply to another loan program. They wasted months of my time, not to mention money since my payments should have been reduced as of XX/XX/2016 Merely telling me to reapply to see if I can qualify for another refinance is not sufficient given they blatantly denied my loan under false pretenses. By suppressing our ability to refinance, they ensure the cost to live in certain communities is higher and our real estate wealth is less which creates longer-term economic disparity ( payments are higher although our equity is less ). What, if anything, can you do to help or do you just gather this information to XXXX day, hopefully, file yet another nationwide complaint against Wells Fargo for unscrupulous and fraudulent practices?
Consumer complaint received 2016-12-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, I need your assistance as these banks are misleading people with information. I ask Bank of America on more then one occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something " XXXX ''. I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (IN)

In XXXX of 2007 opened a credit card account with Chase. The card had three areas of interest to be charged 1. purchases, 2. cash advances, and 3. balance transfers. The interest charges are as following purchases 9.49 %, cash advances started at 19.24 % now is 25.24 %, and balance transfers are 9.49 %. Each month the bill interest charges from all three categories which gave me my minimum billing amount with the principal amount only being applied to the lowest interest rate which would have been for the purchase. I had mostly used the cards for purchases but had a balance transfer of {$1500.00}. and a cash advance of {$1500.00}. never any more than those two amounts. Although the credit card company is charging interest on all three areas since there is principal amounts on all three areas an the bill is being paid on time although mostly at the minimum payment amount. Example of the charges interest charges for purchases were {$210.00}, interest charges for cash advances were {$27.00} and the interest charges for balance transfers were {$18.00} making a minimum payment of {$520.00}. allowing {$260.00} to go towards the principal for the purchase allowing that amount to go lower in principal amount. The problem that I have is that every statement that I have that shows interest that is being charge against the cash advance an is apart of each billing cycle that amount is being charged and then rolled over into the principal amount of the cash advance causing the cash advance to continue to increase without being used beyond the amount originally used by the card holder. Why should the amount being charged every month for the cash advance for interest and being included in the monthly statement as part of the payment an being paid within the billing cycle that amount is being rolled over onto the principal of the cash advance causing the cash advance to increase dramatically.