davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GreenSky, LLC (WA)

An account was opened with Greensky Trade Credit by XXXX XXXX of XXXX XXXX XXXX. The account was in my name and was to be used for installation of a new roof on our home. I HAD NOT signed a contract with XXXX XXXX XXXX and was investigating all options of financing the roof. The account was approved for the amount of the project and only allowed to be used for XXXX XXXX XXXX. I did not sign an application, nor did I sign loan documents. It has since come to my knowledge that there are signed documents. I have requested those documents, as I did not sign them. They HAVE NOT been furnished by Greensky. On the day it was approved, XXXX XXXX asked me for my account number. I did not authorize him to access the account, and did not know that was his intention. I had not printed out loan documents and had not had the opportunity to read the very ambiguous language in the first line of their contract. When I provided XXXX XXXX the account number it was the wrong account number. I tried to use the same account number to log into the account, and was denied access. However, XXXX XXXX, using the same incorrect account number, was able to get into the account and took {$14000.00}. I contacted XXXX XXXX immediately upon this coming to my attention. He said he 'd " only asked for a dollar and was testing the system. '' Greensky denied that that was what XXXX XXXX had done. It took two weeks and a threat to report XXXX XXXX to the authorities before {$10000.00} was returned to the account. Greensky and XXXX XXXX decided to hold back the other {$4900.00} for materials, without asking if that is the monies I would be using for this project. XXXX XXXX knew why he was doing this, and as we subsequently came to find out, under one percent of the roof was installed correctly. We have leaks in the master bedroom, exhaust factors were not taken into consideration, our gutters were damaged, and the soffits were rebuilt with the wrong material and not painted. The roof needs a complete tear down and a new roof put on. XXXX XXXX left the job on XX/XX/XXXX, 2017, and has not returned to the project, nor tried to make remedies to these damages. I have been informed by XXXX, the shingle manufacturer that the roof was not installed per their application instructions and can not be warrantied.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (SC)

Citibank , N.A . services my Best Buy credit card ending in XXXX. I noticed a fee titled " XXXX XXXX '' in the amount of {$23.00}. I used the instant message with Citibank to see what this was. I ended up calling the number provided. This is a credit card add on debt protection program apparently. The program pays your minimum payment for 3 months if you lose your job, move, divorce, etc. I asked how much I had inadvertently paid to this ridiculous program. I was advised since 2011 I have paid {$530.00}. I have no recollection of signing up for this program. Furthermore, the fee does not appear on the online portal. You have to physically open up your statement to see this fee. This is totally unacceptable. I want all that money back and applied to my card. I 'm now facing promotional deferred interest that is about to be applied to my card. This {$530.00} would cover that. Plus, who knows how much money I 've paid in additional interest. Citibank just got fined by the CFPB for this issue and was supposed to reach out to me to reimburse me. I 'm having to go through the CFPB to have them reimburse me which seems like a violation of the consent order.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cheek Law Offices, LLC (OH)

Hello, I want to first give a background story as to why XXXX XXXX at Cheek Law firm began harassing me in XXXX. To begin, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Now that I have explained the back story, I will get into the harassment I have been enduring for seven years. Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by Cheek Law Firm and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. During this time period, XXXX XXXX from Cheek Law Firm has garnished my wages for 5 years, taking more than the original " debt ''. He has repeatedly called me and sent me fake letters saying I will go to jail. There can not be a case without a valid signature from certified mail, which leads me to believe a signature may have been forged. Cheek Law firm has left me alone since XXXX when the case was closed until now. I received a letter from Cheek Law Firm saying they are reopening my closed case and now this time XXXX XXXX wants {$4000.00}, with no reason as to why they are re opening the case, or why the money that was paid has somehow tripled in " debt ''. I have reached out to Cheek Law Firm to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like Cheek Law Firm to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. I would also like XXXX XXXX to stop stealing from me and harassing me by opening cases that have been closed for four years and asking for triple the original debt amount. 

Thank you, XXXX XXXX
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (TN)

I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On Friday XXXX XXXX, 2015 we called Capital One home mortgage in response to an unsolicited e-mail for a home mortgage. XXXX XXXX XXXX took all our personal information, stated he never saw such great credit scores from a married couple and issued us a prequalification letter to take to XXXX while looking for a vacation home to purchase. He invited us to telephone him at any time for assistance. We found two homes and our first choice was on leased land. We telephoned leaving a message for XXXX XXXX. Would leased land disqualify us. In his outgoing message he ask that we also send an e-mail. We did this also. We never heard from him and had to leave XXXX for home in XXXX as our allotted time was over. The week of XXXX XXXX, 2015 we telelphoned XXXX XXXX XXXX, the supervisor of XXXX XXXX and left a voice mail asking him to contact us. On XXXX XXXX, 2015 a women telephoned us and identified herself as a " concierge '' from XXXX home loans. She was following up on our app " to help us with the process '' and not responding to our attempts to contact loan officers. She said XXXX XXXX was in the office this day but not at his desk. She stated she would have him call us upon his return. He did not. On XXXX XXXX, 2015 I called the general phone no. for XXXX loans. I talked to XXXX and told him this story and that no one had ever made contact with us. He promised a supervisor would call us this same day. No one has ever contacted us. We lost the opportunity to purchase either of the home we wanted not to mention the hundreds of dollars we spent in our quest. Our advise to all others ... .stay away from Capitol One Bank or be sorely disappointed.
Consumer complaint received 2015-08-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (NY)

I was paying off my student loan regularly and on-time. When I lost my job I applied for deferral from JP Morgan Chase ; I was denied and given the run around and vague explanations from the Student Loan department. I kept calling and trying to talk to someone about how it was currently impossible for me to make my loan payments and meet a minimum standard of living and was ignored and told to make my payments. With no other recourse left my loan defaulted and was sent to a collection agency. I was able to get another job and worked with the collection agency on a reasonable payment plan. Recently, Chase purchased back its student loans from the debt collector and cancelled my payment plan on the grounds that it was " unfair '' if all debtors did not have the same repayment plan. When I asked what my options were to get this resolved I was quoted a monthly payment of approximately {$600.00} or a XXXX time lump sum payment of {$8000.00} ; neither of which is possible for me at this time. When I explained this and asked what the next steps were I was told that I was not " authorized '' to know this information or timeline but that " further action '' would be taken in the future. My credit has been destroyed and my efforts to work with Chase have been denied and belittled at every turn. I have never been late paying my government student loans and would just really like to be able to get this JP Morgan Chase loan out of my life. It is not only a stress on my finances but my interactions with Chase have caused me undue emotional distress as well.
Consumer complaint received 2017-07-14
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. (TX)

This is response to a earlier complaint against Equifax - CFPB  Case No .  XXXX .  <P/> Once again, Equifax have violated the FCRA! Wondering if CFPB are even paying attention to this matter, instead chose to close the said case without fully reviewing entirety. I wo n't be surprised EQUIFAX does not take CFPB seriously!  <P/> Once again, I am disputing - On or before   XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND on or before  XX/XX/XXXX   ; AND on or before   XX/XX/XXXX   ; AND AGAIN on or before   XX/XX/XXXX  , I have repeatedly disputed - via Certified Letters - to both the creditors as well as to EQUIFAX without any satisfaction. EQUIFAX will always claim they will review / investigate this matter and yet to ever report their findings!  <P/> EQUIFAX continues to report incorrect statuses. No response other than a computer generated response from EQUIFAX stating they will review / investigate. Because of the EQUIFAX not responding indicates a clear violations of the FCRA. See below typical response from EQUIFAX : COMPANY 'S INTERIM RESPONSE " Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. '' COMPANY 'S RESPONSE " Equifax has reviewed the complaint and its records. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Please note that for future disputes of credit report information, visit www.equifax.com. '' Please be advise that I have sent over  twenty  certified letters (  11  to be exact ) since  XXXX  to both Creditors and as well as to EQUIFAX disputing and requesting debt validations. These alleged debts have been on my credit report since  XXXX , though I paid these debts in full in  XXXX   XXXX !.  <P/> I have requested Debt Validation from EQUIFAX : a )  XXXX  / Preferred Customer Acct No.  XXXX  b  XXXX   XXXX  /  XXXX   XXXX  Acct  XXXX .  XXXX   XXXX  )   XXXX   XXXX   XXXX   Acct No.  XXXX
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Tried to reach out to company with Better Business on XXXX/XXXX/17 ; two attempts were made with no response. Advised the company of the following : This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7500.00} with XXXX, XXXX, & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof.
Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am no obligated to pay for the alleged debt.
Per statement it has been determined you can not verify this account and are in violation of the Fair Credit Reporting Act 611 ( a ) { 15 USC 1681i ( a ).
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Hello, My credit rept. shows a mortgage with XXXX, I do not have a mortgage with XXXX. Our ONLY mortgage is with : XXXX XXXX XXXX XXXX 
loan # last 4 : ... ... XXXXplease update your report ... ... ... ..
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (CA)

I applied for a Barclays JetBlue credit card. I received communication from Barclays that they needed more information from me to establish my identity ( social security card, etc. ), which I sent to them. I never received any further information from them by mail about the status of my application, nor their reason for denying my application. I mailed a letter to them two months later asking again for status and reason, but have not yet received any reply. If my application was denied, they never gave me a reason for the denial, nor told me directly about the denial.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (SC)

On XXXX/XXXX/2015, I logged into US Bank 's website, and scheduled a payment for {$1700.00}, which is customary. The payment was scheduled to be delivered on XXXX/XXXX/2015, which is within my grace period. The bank XXXX the payment in the online form, which caused {$3400.00} to be debited from my checking account. I did n't pay close attention, and actually authorized the payment. The bank refunded the 'official ' late charge by using the one-time-life-of-loan-late-charge-forgiveness, but I still had to pay US Bank a {$20.00} return check charge, and an additional {$5.00} 'processing ' fee for making a payment XXXX days past the due date. In addition, I had to pay a {$29.00} insufficient check charge to my own bank. 
This month ( XXXX ), I again scheduled an on-line payment on XXXX ( today ), to be delivered on XXXX. This time, the bank did not XXXX the payment on the online form. 
I believe there is a flaw in the bank 's online payment system, but they refuse to acknowledge it and refund the {$54.00} fees. 
Additionally, they have started a practice of calling me and wanting to know when I am going to send my payment, even though I am still within my grace period.
Consumer complaint received 2017-07-26
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

My complaint is for loans that I have acquired when I was a student which has been transferred to Navient from XXXX XXXX. My loans were a total of {$12000.00} but when I graduated from the University XXXX XXXX XXXX XXXX XXXX as a XXXX, I was not able to find work. This was approximately in XXXX. I was taking care of my XXXX XXXX children at a very low income average. However, I did keep communication with Navient and XXXX XXXX. It just so happened that I was charged late fees, and lack of payment with interest added. My loan grew to XXXX dollars. I have had to borrow money to keep them from reporting me to the credit bureau. In the past few years, I have paid and paid, but my balance seems to stay the same for the most part. I do believe that my account needs to be reviewed.for financial discrepancies. I may be paying money that I should n't have to pay. Also, I have found that XXXX XXXX was paid for several loans thru the Department of Education, so some of the loans that I am being charged could have been already included in my loans thru the Department of Education. My loans are being handled with XXXX.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

My loan was previously with Washington Mutual who used XXXX XXXX XXXX as their Trustee. However, when I was transferred to Chase who filed a Notice of Default on my property recorded XXXX/XXXX/2010, Chase used XXXX as the Trustee without filing a a substitution of Trustee nor providing any notice to me. For XXXX years I have been trying to obtain a loan modification without any real consideration to my circumstances. I work two jobs just to pay my mortgage, and I am still using 39 % of my income to pay my Principal and Interest, taxes and Insurance. Chase comes up with all kind of excuses even attempting to illegally transfer my loan, furthermore, I do not believe that they have the original note, nor does XXXX, my investor. My tax statement still reflect Washington Mutual as the payee? They have been out of business for over XXXX years.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX 2015 I tried to pay some of the past due amount on my loan and the bank REFUSED TO ACCEPT MY PAYMENTS. Since then I have tried relentlessly to get assistance from Wells Fargo on my past due balance. I fell behind last year, after a car accident and having to close my business. In XXXX 2015 I received a conditional approval thru Keep Your Home California and was told by Keep Your Home California I needed Wells Fargo to also assist in order to be approved for the program. I submitted everything to Wells multiple times and they would give me different excuses everytime. First they said I didnt make enough, then they said I made too much, now they are using different ratios than what they told me before. I have received conflicting information from them and they completely ignored the assistance I could have received from Keep Your Home California that could have helped me catch up! I was told by their Manager XXXX XXXX that he didnt have time to talk to me as he was busy interviewing people becasue they needed more people to answer the phones. He also told me they werent going to help me and that I should have savings in the bank like he did, because Wells Fargo pays him very well. He also stated that my situation would not improve no matter what they did for me! I explained to him he didnt need to speak to me in that manner and that I was simply trying to catch up. My partner had also been in an accident and had been on XXXX but things were getting better for us. I have always had good credit and worked hard and we were simply having a setback and needed help. I explained to him that things were still trying to improve here in California. I have provided everything they have asked for and they are still giving me the run around, each time giving me different criteria, and playing with the numbers/ratios. I feel im being discriminated against, and am not sure why. Im simply asking for a solution/plan to pay the past due balance owed. I was told yesterday that they could start foreclosure proceedings anytime if they felt like it and depending on how she was documenting my file-I 'm still working with Keep Your Home California for assistance HELP!!!!!!!!
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (DE)

On XXXX XXXX, 2015 my debit was hacked from an offline vending machine. At various time after my original purchase at the vending machine charges authorized. Over {$500.00} in cash has been removed from my account. I was informed by my bank that an investigation after the charges post could take any where from 7-10 days and they are not sure why but that is their processes. I have been a customer with this bank for several years close to a decade and up until now my cash has not been put back into my account. I have called several times to see what someone can do but they say it is because they are scripted to advise me it could take 7-10 days but it may take longer. I feel as if I was robbed of my money my hard earned money and my checking account bank can not help.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CO)

On XXXX XXXX, 2015 I booked a hotel reservation on XXXX for the XXXX Hotel. The reservation clearly stated the cancellation policy was as follows " cancellations or changes made after XXXX ( mountain daylight time XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 or no-shows are subject to a hotel fee equal to the first night 's rate plus tax and fees. ". I received an email confirming this booking and this policy. After our travel plans changed, on XXXX XXXX, 2015 I went back on XXXX and cancelled the reservation. At that time I received an email from XXXX confirming the cancellation stating the following : " You have cancelled with full refund of deposit by hotel. If you have been charged a deposit or partial payments, you will be issued a refund by XXXX XXXX XXXX ''. On XXXX XXXX, 2015 I received a " Large Purchase Alert '' from American Express in the amount of $ XXXX from XXXX XXXX I called XXXX and informed them I cancelled the reservation. They informed me since the booking was made through XXXX I would have to contract them. I called XXXX and spent 3 hours on the phone with them. Despite clear emails stating the contrary they stated they unfortunately the reservation was non-refundable and there was nothing they could do. I also called American Express and explained the situation and they have said since the transaction was with XXXX and XXXX views the reservation as non-refundable there is nothing they can do to help me. American Express recommended I contact a " 3rd party '' for help. At this point neither XXXX or XXXX are taking responsibility and despite all my time and effort I have been charged the full $ XXXX.