davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

my father passed away, my husband passed away the my mother passed away. chasefinancial want me to pay for a home my mother stayed in for 2 years and continue to pay until her death. My mother lived in an undesirable area of XXXX NC. She wanted to move so we found her a condo. After about 2 years she could not live alone, so she lived with my husband and I. she continued to pay for her condo until she passed away XXXX XXXX, 2014. I send Chase the death certificates for both my mother and husband. and explained I would not be able to pay for the home, because, both responsible parties had now passed away. They send me a entire packet to apply for a loan to transfer the mortgage into my name. I call them and was informed they could not talk with because I was not a responsible party on this loan. I received letter ever week and I would call they would say the same thing .The letters all say the Estate of XXXX XXXX and the Estate of XXXX XXXX XXXX . Then all the calls started and I till the same thing on the phone. Then the letters started coming with owner XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX. When my Mother moved with her mailing changed mailing address to ours. The address for my Mother was XXXX XXXX XXXX, same city. I wrote XXXX letters to Chase, Talked to so many people, but the end result is the same I can not pay for a property that is not mine. After all this talking XXXX XXXX bank called and said I owe over XXXX dollars on the overage account of my Mother and me as a responsible party, after know she was dead the continued to take money out of the, because I was alive and no liability on Chase 's account but on the bank. I can not afford a lawyer I live on a small amount of money. Please help I know some about this is not right.
Consumer complaint received 2016-02-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (VA)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Quickenloans/Quickenloan XXXX XXXX, XXXX on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Quickenloans/Quickenloan XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked. 
In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never. 
XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments.
Consumer complaint received 2016-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NE)

I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with XXXX XXXX XXXX, I disputed it with them as well, then they " sold '' my account to LVNV Funding, Or Sherman XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Love, Beal & Nixon, P.C. (OK)

The creditor in question, Love, Beal & Nixon, PC ( hired by XXXX XXXX XXXX of XXXX, OK. ) continued to attempt collection from me on a credit card account I had no knowledge of AFTER I advised them I had secured an attorney. I have several of their FDCPA violations documented, including in a document I filed through the XXXX XXXX XXXX. Each time they violated the FDCPA and/or FCRA, I made them aware of violation ( s ) and advised them to contact my attorney. However, they continued to contact me ( by mail ) directly rather than contact my attorney. I provided Love, Beal & Nixon, PC with my attorney 's name and telephone number but they still continued to violate FDCPA rules with total disregard for my rights as a consumer.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Indymac/OneWest Bank foreclosed on my house XXXX XXXX, XXXX, after over a year of filing for a modification that was turned down, yet resurrected after my first complaint to CPB. I rejected the bank 's offer to modify because it did not include any debt forgiveness, and since my late husband had refinanced the house so many times, I felt it would never gain the value of the mortgage amount. 
The mortgage was over {$900000.00} and the bank got a desktop appraisal of {$400000.00} because my late husband built the house without county permits. I was notified by an old neighbor, a broker with XXXX XXXX, that the bank sold the house for {$680000.00}. Yet the bank sent XXXX, and XXXX claiming cancellation of debt in the amount of {$500000.00}. The actual amount of debt cancellation should be {$230000.00} according the sale amount rather than a FMV amount that did not include an actual onsite appraisal of the house and property. The date on the XXXX 's is XXXX/XXXX/XXXX, the house sold on XXXX/XXXX/XXXX so perhaps the sale had not gotten into the accounting department. 
After suffering through a foreclosure, losing my home of 26 years, I find it hard to believe there would be a tax penalty which I can not afford.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

an employee at chase bank removed my name from a joint account that i had deposited {$30000.00} a month before. the employee at chase signed as a witness on a chase bank signature card that had been forged by the joint owner to remove me from the account. the signature card required notary and non was done. the signature card has one forged signature by the joint owner who is being charged with forgery. the bank employee who signed as a witness that he verified my id and witnessed my signature signed and removed my name from the account. i was able to get a copy of this signature card over a year later.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (UT)

Dear CFPB, I have a credit freeze with all XXXX major credit reporting agencies. I am routinely able to temporarily lift my freeze with XXXX and XXXX. I am however unable to lift it with Experian. I have written them several times ( XXXX XXXX XXXX, TX XXXX ). Each time they send me a new pin, but I am still unable to lift the freeze. They do not tell my why and they do not provide any means for me to contact them to resolve this issue. I can only assume they have some incorrect information about me ( birthday etc ), but because I do not know what it is, I am unable to provide the correct information, even if I had some way to contact them. Thank you very much.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from XXXX and Equifax. When I put a dispute in for XXXX and Equifax, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with XXXX and Equifax. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XXXX, and the XXXX XXXX XXXX item was removed.
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MO)

I am paying my daughter 's student loans to discover because I co-signed with her. 
I have repeatedly asked for a monthly statement and do not receive one. I guess at the amount due each month. Also, when my daughter went to their website to to see if a payment had been received, it showed past due. She called and was finally connected to a real person and was told the payment had not been received. This was XXXX/XXXX/15. The check cleared my account the following XXXX XXXX/XXXX/15. My daughter checked the website again and it said the check had been received on XXXX/XXXX/15. When I looked at the back of the check, it cleared Discover 's bank on XXXX/XXXX/15. I just want a monthly statement sent each month. Also, I guess they sold one of my daughter 's student loans to XXXX XXXX. XXXX XXXX sends a statement each month. My daughter 's school was XXXX ( XXXX In XXXX ). She graduated and has not found a job with compensation sufficient to pay the loans.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am submitting a complaint with documentation by PriorityMail. My Lender is arbitrarily not responding to my request for a short sale, MHA relocation assistance and a property valuation report. Enclosed is everything my agent, the buyer and I submitted that has to do w/my request and a few letters from the Lender. Denied due to incomplete documents and moved foreclosure to XXXX. I have been in constant communication by phone with my lender since XX/XX/XXXX to help make sure we complied with their requirements but to no decent outcome.
Consumer complaint received 2015-07-23
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (CA)

I received a notice to attempt to collect a debt from some XXXX+ years ago in which I know I would have never gone without paying, however, I do not keep my bank records past that far to prove it. Dynamic Recovery Solutions response to that is " oh well '' this company says you owe them. 

How is it possible that a company can come to me after XXXX+ years and just say I owe them, when I have not received a single call or letter, statement, bill of any kind in all these years. Not too mention numerous occasions in which I have applied for credit and had credit reports pulled with no history of this " so called debt ''. 

I am supposed to just take their word for it and pay them??
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Thank you for taking the time to review my inquiry. I am an Ocwen customer who suffered damages as a result of XXXX XXXX. My insurance co had mailed me a XXXX party check for repairs of my home. I sent the check to Ocwen, they endorsed it and mailed it back to me. I endorsed the check and deposited it in my personal bank account. I used the funds to pay my contractors as I was supposed to do. In XXXX of 2014 I attempted to make my regular monthly mortgage pymt and was not allowed to as I had been charged XXXX in " fees '' on top of my payment and was not able to make a partial pymt, The " fees '' they are referring to is the XXXX in insurance money that was never due to them, nor will it ever be due to them. I have complained multiple times and have reached out to Ocwen customer service and their research dept but have gotten nowhere. In an effort to save my home I applied for a modification which was recently approved however they still have not removed the XXXX in " fees '' and as such my payment has gone up considerably. While I am grateful for the modification offer, I can not accept it until the " fees '' are removed. I have contacted the XXXX for assistance with dealing with Ocwen as they do not operate in the XXXX and I was given this agency 's information for assistance. 

I thank you for your time and attention to this matter and look forward to working with you to resolve my mortgage issues.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

IN XX/XX/XXXX I moved to a new town and pulled my credit and found that a XXXX XXXX court house placed a debt for XX/XX/XXXX on my report. I called them and the state office XXXX and paid the debt and received receipts and letters and paid additional fees to cover court cost to remove the lien on XX/XX/XXXX it was entered paid and released. However for the last nine years I have disputed this off and on with the credit bureaus and they continue to report it as unpaid. The item was paid in XX/XX/XXXX and both the XXXX attorney Generals office XXXX and XXXX XXXX Court Records division claim they removed it from reporting in XX/XX/XXXX when my spouse spoke to them this week they this is the credit bureaus error. I attempted to dispute online and it automatically states that all I can do is submit a statement due to a fair credit report act regarding disputing an item 2 times. However, the item continue to be incorrect as the fee was paid as evidence by the copy of my receipt and letter from the court below. In addition, I understand that paid tax liens must be removed after seven years from a record. This has been reporting now for 9 years. XX/XX/XXXX filed with court paid and this is XX/XX/XXXX XXXX 9 years ) I feel my federal rights are being violated and it significantly is lowering my credit score. I am asking this be removed immediately and not placed on again. This is a 9 year old paid tax lien and needs to be removed.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted Transunion in regards to a Public record on file, ( Tax Lien XXXX County City Registry ), First letter i send in requesting to verified this file, I send my Copy of my social and License along with all my letters. They respond was that they need more information. I sent in a second letter, they respond was that this dispute looks suspicious, i responded to letter and preceded to send in a third letter and they respond was that the information im disputed information is not on file. I call to see if that would help instead of sending letters. They explain to my that the last letter saying that disputed information is not on file was a mistake. but the intended letter, show be that file was verified. I ask for the letter the representative stated that letter is populated ( not sure what it mean ) and cant be reprinted. I have all the proof i send then letter to verified this information.
Consumer complaint received 2016-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I received XXXX letters in the mail today from Transworld Systems Inc saying I owed debt on a student loan through XXXX. I have the confirmation from XXXX that all loans were paid in 2013. After doing some research online, I 've found that I 'm not the only one who has received issues from this company. The need to be stopped from harrassing innocent people. It also says on the letter that they have contacted my place of employment which is truly unacceptable!
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have just discovered that I have a judgement against me with a company named XXXX XXXX XXXX , XXXX. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from XXXX. I called XXXX to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also XXXX my XXXX children. I would like this investigated and judgement removed.