davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

This is an addendum to compliant # XXXX. 
I have submitted the Sales Offer dated XXXX XXXX, 2016. 
Chase Bank , N.A . has failed to review my short sale request in the required number of days and has been unresponsive to my requests for a representative to contact me regarding the status of the review. I am extremely dissatisfied with the service I have had from Chase Bank. 
I have called multiple times and have had broken promises from the representatives. Nearly every time I call, there is a different person assigned to me. Nobody knows why it is taking so long. They keep saying it is in the final stages of review. They say that they have 5 days to review it and when I call on the 5th day, they say they did not have enough time to get to it. I believer that they are being negligent in having insufficient number of staff, not training staff, not sticking to their SLAs, refusing to have the staff provide me with information requested ( I requested the mailing address for their complaints department and they gave me a fax number. I requested an email, and they said they do not have email, but then they said they would email someone in another department ). They are violating the rules about resolving disputes in a timely manner, rules about prompt decisions on loss mitigation options, and just basic good banking practices. They are running up the servicing fees on my account which is unfair to me. This looks like a UDAAP infraction because I have been misled as to how much time it will take to review my short sale packet submitted in XXXX and it is causing financial damage to me. 
I have not kept up with all of the names of the people they said were assigned to me, but yesterday, I was told that their names are XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have disputed XXXX numerous times in the last 12 months. I have stated that the information is inaccurate and invalid and should be removed. Equifax continues to state that it has verified account XXXX yet XXXX BANK XXXX XXXX XXXX XXXX SD XXXX says in a letter dated XXXX XXXX 2016 That they have no account on their records with this account number. I would like either Equifax to provide proof of the information it VERIFIED or to remove and delete this inaccurate information according to the Fair Credit Reporting Act. 

I also have enclosed a copy of XXXX of my Equifax Credit reports saying they can verify this information along with the letter saying XXXX XXXX XXXX can not verify account XXXX
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

We agreed to a loan modification with Ocwen Loan Servicing , LLC . Our Relationship Manager, XXXX XXXX, was very professional and helpful. Each conversation with him was recorded. He kept us informed every step of the way. He assured us that we would have no balloon payment. He repeated several times that our loan modification was approved without a balloon payment at the end ; the numbers were computed with a lower interest rate. None of XXXX XXXX 's paperwork for our file showed this balloon payment. However, Ocwen has tacked a balloon payment on to our loan despite our being reassured that it was not applicable. Our Relationship Manager has repeatedly requested that the balloon payment be removed from our account. He has gone through every channel he knows, without success. Our conversations with our Relationship Manager were recorded. We are both XXXX and, with current lending guidelines, are unable to refinance to get rid of the balloon payment, or even obtain a loan to pay it. We recently learned that CFPB could help us in this matter, or we would have turned to you much sooner.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (TX)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Coastal Financial Solutions, LLC (TN)

I received a missed call from phone number XXXX, when I called the number back a man answered saying " this is ( his name ). '' He would not identify himself further and started typing something. I asked if he represented a business of some sort and he would not answer. He did n't say anything else and told me to listen to my voicemail messages and call him back. When I listened to the messages there was only a man breathing into the phone. 
I called back asking if it was a joke, he got very aggressive in tone with me an would not answer who he worked for because he could n't find my phone number in his system. He then asked for my social security number and refused to identify themselves further. After prodding he finally told me he worked for " Coastal financial solutions '' an internet search reveals complaints that their employees are indeed aggressive and disrespectful, but they all seemed to identify themselves. 
I am concerned that someone is committing fraud as a false employee of the company looking for SSN 's or that I have an outstanding debt I am unaware of. I do not have any dings on my credit report so I am assuming the former. Please let me know if this was a legitimate phone number associated with your company or I 'll be reaching out to the FBI. Thank you.
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C. (OK)

XX/XX/2012 I wrote a check to XXXX for a water heater, the water heater did not fit, so I returned it to XXXX. They told me I would have to wait two weeks for check to clear before they could refund me. They did n't have a water heater that would fit my closet and I did not have an additional XXXX dollars to just buy one elsewhere and wait for a refund, so I explained to the manager that I would leave the water heater there and stop payment on the check. She wrote me a receipt for item received and I went on my way. 
Then recently I check my credit report and seen a collection for XXXX to trident management so I contacted them and was informed that it was for a stop payment on a check to XXXX. I explained what happened and only relief I was offered was a settlement. I disputed through XXXX and was told it 's a valid debt. This is NOT a valid debt, they have the item I returned and then turned the stop payment check over for collections. Which I would think is some sort of fraud to collect payment on goods they have in possesston.
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I have a loan with XXXX. Every time I make a payment not all of the payments are being processed. My loan has actually gone up and not down. The way they calculate interest is wrong. I think that I have paid much more than I needed too.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the validity of the XXXX account XXXX. Transunion continues to state they can verify this account as being valid but when I contact the company listed at XXXX XXXX XXXX XXXX XXXX SD XXXX they keep telling me they can not verify this account. I have sent request to the company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting verification of this account by mail and have not gotten a response by mail. I called and spoke with XXXX at the number listed and he told me they have no copies of any documents to send to me verifiying this debt amount and that this account was written off an forgiven with a XXXX form. I would like Trans-union to provide copies of any information they have that verifies the validity of this account. I believe all account details are inaccurate and should be removed.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ID)

Since Equifax was recently compromised on the XXXX XXXX XXXX, 2017, I verified via their online tool that I am affected by the security breach that was published on the XXXX XXXX XXXX 2017. 
I 'm filing this complaint against them since ... my most important information was compromised by their lack of security. 
I 've placed a 90 day fraud alert with them, and will likely have to freeze my credit long term as a result. 
They, above all others, should not have allowed this to happen.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I have been banking with Chase Business services for some time and thought I understood how they work in processing transactions. To my surprise, over the weekend I received XXXX non-sufficient fund fees for a withdrawal they said I had funds to make. Their systems are usually very accurate, but this resulted in another XXXX non-sufficient fund fees for a total of {$350.00}. So, the first internal transfer between Chase accounts said I had funds and then it said I had funds for XXXX additional transfers of {$20.00}, {$20.00} and {$35.00}. So I paid a {$35.00} transaction for a {$20.00} transfer, another {$35.00} fee for the second {$20.00} transfer and another {$35.00} fee for a {$35.00} transfer. This is the equivalent of paying 100 % interest for one day or annualized at 36,500 % interest. Their representatives could n't explain why this happened according to their time stamps. So, they guessed on what could have caused it. I spoke with a representative at Chase and a manager, then asked to speak with the supervisor of the manager who said they were not available and would call me back.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. Also, I received a letter dated XX/XX/2017 from Capital One stating that they received a fraud notification and that they know they often send them in error so no action will be taken. Unfortunately, they decided to close the account without any further contact. These accounts are valid and I 've made payments on it as agreed over a period of time. I opened the accounts to establish and maintain a good credit history. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the accounts were opened and confirmed which is why the accounts were opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I have a collection account on my credit report that is full of inaccurate information. I have disputed and even attempted to resolve this collection account with the collection agency, but they were unwilling to settle. The inaccurate information I spoke of earlier is that : 1. this account is not mine. I was listed as a resident on this account. 2. The amount of the account is wrong. The amount on my credit report is twice the amount of the original debt 3. The account is past the statue of limitations so no legal action on this account can occur. the original reporting date is in 2011. As stated earlier I have disputed this account several times, and each time returned as valid debt. how can that be a valid debt with all of those inaccuracies. I also attempted to resolve the debt with the collection agency. This account is listed as an interest bearing account. Interest bearing account on a 6 year old zombie debt that is well past its statue of limitations. I have made every attempt to resolve this debt with no avail, any assistance in this matter will be greatly appreciated. 
Thank you in advance.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

My husband and I are trying to refinance our mortgage with XXXX XXXX XXXX XXXX. Beneficial who now holds the mortgage is refusing to send XXXX XXXX a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to XXXX. This is not the first time I have had problems with Beneficial. I tried to file a complaint with the XXXX last year or year before last because they were not taking the tax payments I was making to them and applying it towards the taxes. That was never resolved.
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want them to correct : XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$33000.00}.
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (DE)

I opened this account in XX/XX/XXXX with XXXX, in the amount of {$3600.00} this account is now showing up with another lender ( XXXX XXXX ) I have not had any contact or activity on this account with anyone from XXXX since at least XX/XX/XXXX ( best guess ). I have not signed any new papers or taken any new loans with either XXXX or XXXX, XXXX. This needs to be removed.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC (CA)

I have been trying to obtain a buyoff quote for my home. My mortgage company is saying I have to pay a fee to get the quote. I understand there are wire transfer fees, and fees for satisfaction locallly, but was unaware they could withhold my biuyoff quote unless I pay them a fee. 

My bill states that there is a schedule of fees on their website - there is not. They then indicated it is in my contract- it is not. 

My complaint is simple -- I thought the CFPB stated : If you write to ask how much it costs to pay off your mortgage, the servicer generally has seven business days after receiving your request to answer you. 

I thought that meant with my quote not a bill to get the quote. 

Thanks XXXX
Consumer complaint received 2016-12-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (CA)

I was the victim of an Illegal Debt Collection Lawsuit Mill owned and operated by XXXX XXXX XXXX XXXX XXXX, a Georgia-based law firm. From what I can tell, apparently XXXX XXXX XXXX XXXX XXXX take care of all the legal proceedings for Midland Funding, a company that purchased my credit card debt from XXXX, in the amount of {$3500.00}. 

Back in XXXX, I went through a financial hardship, and was having difficulties maintaining my mortgage payment and keeping up with credit card debt. I had no choice but to walk away from our home and all debt. As a consequence for my financial irresponsibility, my credit score dropped all the way down to XXXX and stayed there for over 7 years, making it very hard for my wife and I to purchase things like automobiles, a new home, or get any type of new credit. 

At the XXXX, nearly 7 years later, most of that bad debt started to drop off of my credit report as a result of the Fair Credit Reporting Act ( FCRA ) rules and regulations. Through secure credit cards and other means my credit score started to improve ( XXXX ). 

Then in XXXX XXXX, while logging into my credit monitoring account ( XXXX ), I noticed that my credit score had dropped significantly. It was the result of a new default judgement showing up as a public record. Here are the details of this judgement : Date Filed : XXXX/XXXX/XXXX Reference # : XXXX Court : XXXX CO Magistrate Plaintiff : Midland Funding LLC Amount : {$3400.00} I was never given notice of this lawsuit, nor was I ever served. I believe this debt had already exceeded the statute of limitations from the date of last activity ( DLA ). Yet, it is not haunting me, and preventing me from purchasing a new home many years later. 

I also found this article published on your site related to the the unethical business practices used by XXXX XXXX XXXX XXXX XXXX, in attempt to make financial gains, through the use of questionable default judgements, at the expense of their victims. 

http : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-stop-illegal-debt-collection-lawsuit-mill/
Consumer complaint received 2017-09-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Equifax was aware of their security beach in XX/XX/XXXX. It is now XX/XX/XXXX and they only just made people aware of it. I was personally compromised in their data breach. It is ridiculous.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX Experian : XXXX days ago I was hung up on by an entity that clearly could not speak XXXX. This entity did not follow through with my requests to be able to help me with verifying me or my information. 
Today, XXXX. It was excruciatingly difficult getting someone on the phone. 
When I finally did, I found out that Experian has some wrong information on my account. After this I could not get Experian to comply with my request for a supervisor. NOR could I verify that I was actually speaking with an Experian agent. 
AFTER I was alarmed & incensed with the difficulty I had TRYING to comminicate with the agent, they then told me they could not help me any further until an email was sent to me which XXXX ( XXXX ) hours later, I still do not have! 

For something as important as one 's credit information and making sure there is no fraud relating & connected to my account information. The agents should speak XXXX WELL, OR, give me the option to transfer me to someone WHO can clearly UNDERSTAND WHAT I AM SAYING as it relates to something THIS IMPORTANT!! 
This is egregious! This is sub-standard. This is inept & UN-acceptable!
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I graduated in XXXX, have been making my payments every month without fail. Twice I have had to due to increasing interest fees and plans terminating to switch to other repayment plans that have raised my principle due to interest accruing. My loans were to be paid back through XXXX and then XXXX moved those loans without my knowing to Navient, which Navient tacked on fees to my principle. I have been making payments on a plan through Navient that saw my payments at around {$200.00} a month, my principle was going down all was fair as fair can be I suppose. This Month, XX/XX/XXXX my payments jumped up to XXXX and when I called to inquire why, I was told my existing plan had expired and that this was the new monthly payment and interest fees, that if I cant make these payments I should sign up for a the Income Driven Payment Plan which I could pay as I go but my interest would still accrue making my principle higher by almost {$3000.00}. I want to pay my loans but this is just making it harder and ultimately places me in danger of defaulting and or adding more to my principle.