davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charge off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank has been our mortgage holder and we are up-to-date with our mortgage payments. Last year, on XXXX/XXXX/15, I found out that my job was being outsourced to an outside contractor and this job loss led to 5 months of unemployment. We kept up with the mortgage during the unemployment with great difficulty. However, the ONLY job offer I got was for a job where I would suffer a reduction in pay of {$46000.00} per year. I previously earned {$120000.00} and now I am earning {$76000.00} at a XXXX job. I had applied for mortgage assistance through the Obama Affordable Homes program on XXXX XXXX. Chase keeps sending me paperwork saying that additional documents are needed ( establishing a paper trail ) but the application was submitted intact on XXXX XXXX. When they call on the phone, I help them find the " missing document '' in the pack, and then they say that they will get back to us once the " underwriters '' approve it. This is on a recorded line. This has happened a number of times. Now they are saying that it will take another month for the underwriters to finish the application process. Although our mortgage is being paid, we have no money for food and we are looking for Chase to modify our mortgage so we have more available cash since I am not earning as much as I used to. I reported this to the XXXX on XXXX XXXX on Complaint number XXXX. Please help us.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

XX/XX/XXXXAttention : RCS Inc. Error Resolution/Information Request/Customer RelationsLoan # XXXX : Short Sale Decline AppealDear Sir/Mam, I am formally requesting an appeal in reference to the decline of my Short Sale Application submitted on XXXX XXXX, XXXX. The documents requested by RCS were forwarded in their entirety within the deadlines provided to complete the file. We have a qualified verifiable all cash buyer prepared to proceed. On XXXX XXXX, XXXX RCS violated of the Department of Justice Settlement National Mortgage Servicing Settlements that prohibit lenders from dual tracking foreclosure ( see highlighted below ), by declining my loss mitigation application short sale without legitimate cause and furthermore not exhausting the appeal process before pursuing a foreclosure sale on XX/XX/XXXXCFPB Rules Restrict Dual TrackingThe CFPB, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XX/XX/XXXX, issued new mortgage servicing rules that went into effect as of XXXX XXXX, XXXX. Among other things, the rules restrict dual tracking. 
Under the new rules, a mortgage servicer can not initiate a foreclosure until you 're more than 120 days delinquent ( which provides a reasonable amount of time to submit a loan modification application ). Also, the servicer can not start the foreclosure process if a loss mitigation application is pending. 
If you submit a complete loss mitigation application to your mortgage servicer after the foreclosure has started, but more than 37 days before a foreclosure sale, the servicer must stop the foreclosure process until : the servicer informs you that you are not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout, but fail to comply with the terms of the deal ( such as not making payments during a trial modification ). Source : NolopressIn addition to this letter I have included the following documents for your reference:1. Signed Purchase Agreement Buyer/Seller2. Buyer Proof of Funds3. RCS Correspondence dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXXI have also forwarded this to the Consumer Finance Protection Board in the form of a formal complaint to the Consumer Protection Finance Board. 

Thank you, XXXX XXXX
Consumer complaint received 2015-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (CA)

My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.
Consumer complaint received 2015-06-17
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Performant Financial Corporation (VA)

It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (FL)

This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (PA)

My credit card with American Express ( card no. XXXX ) went delinquent due to income drop and recent ( XXXX ) unemployment. Nonetheless the account was paid up-to-date, as of the last billing or at least I thought. Thought sometimes late payments were made according to the billing received ( last paid XX/XX/XXXX ) and according to the billing the account is not overdue. In retrospect while I am being billed the account was placed with a collection agency XXXX XXXX XXXX. I wrote them XXXX XXXX, offering a payment arrangement and requesting a lowering of the interest rate that American Expressed increased to 27 %. 
That went nowhere, while at the same time I paid American Express according to their billing. Then I received notice from a XXXX firm ( XXXX XXXX XXXX, XXXX. ) XX/XX/XXXX. They were requesting that I contact them to discuss repayment of the debt that I am paying to American Express. I called American Express and got a recording to call the attorney 's office. I called the Attorney 's office on XX/XX/XXXX between the hours of XXXX Est. and XXXX Est. and was transferred countless times, and left on hold for over XXXX minutes. I called them again today XX/XX/XXXX between XXXX and XXXX. I was transferred at least XXXX times and again left holding the phone for over 10 minutes. At this point, American Express is billing me but not taking my calls, calls to the attorneys office are an exercise in futility, and I am concerned about an attorney suing me, while American express is billing me and I am making an attempt to repay this debt.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION (TX)

To Whom It May Concern : I am filing a complaint against Amegy Bank for insurmountable stress, loss of time at work, sleepless nights, XXXX days of driving and hours on the phone and in your bank. As of today, XXXX XXXX I still have no answers. 

Saturday morning XXXX XXXX I pulled into an ATM to get money out of my account. My husband 's direct deposit had gone through the night before and my husband and I had traveled to XXXX XXXX on Friday night for a short vacation weekend. 

On Saturday morning I tried to open my online banking account from my cell phone. After several failed attempts, I called the number on the back of the card and was told that my account was frozen and they could not disclose to me why. They instructed me to call the branch where I opened my account. I did. They also told me that they could not give me any reason why because that department was not in on Saturday. We were told by one Amegy employee that the hold was due to fraud by a write-off of a closed account from 2013. 

We have been with Amegy for XXXX years. We have never received any kind of letter or email in reference to a debt we owe to Amegy. We were treated on the phone like criminals. We had no other means to get funds to come home. We were told by customer service that someone would call us back, they did not. We spent the rest of our weekend trying to get answers and our funds released to no avail. Our vacation was ruined and we had to borrow money to get home on Sunday. 

Monday morning we spoke with XXXX XXXX XXXX of the XXXX branch who was able to release our funds but our debit cards were closed. We live XXXX minutes from Amegy, made XXXX trips that day trying to get to answers & money out of our account. XXXX XXXX did everything he could to get answers for us. Your fraud department, he found out, thinks that I owe {$260.00} but as XXXX XXXX showed me on your computer, I do not. My account was closed properly with XXXX XXXX XXXX ( my banker for XXXX years at the time. ) I know that I am not a large account holder. My wife and I are in our XXXX 's and I had XXXX and can not handle this level of XXXX. 

At this time, XXXX XXXX, XXXX XXXX, we still have no answers. Again, XXXX XXXX is doing everything he can to help us but I need to know who is able to hold {$2000.00} on a {$260.00} debt I do not owe. 

I am requested someone to please help us. 


Sincerely
Consumer complaint received 2015-04-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC (PA)

debt is not from original creditor and is several years old. i received no notification, mail or phone, until served on XXXX/XXXX/15, stating i have 20 days to respond. papers served were dated XXXX/XXXX/15.
Consumer complaint received 2015-06-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

My husband and I opened an account with SunTrust and three days later could not get access to the account. We called SunTrust and they told us that they could not tell us why our account closed and that we needed to call the fraud department. The fraud department looked XXXX of us up and told us that nothing was flagged on our account and that they saw not reason as to why our account got closed. Next, we went into an actual brand and again were told that they could not tell us exactly why our account got closed and when we would get our money back. Every time we talk to someone they tell us that they ca n't give us a time when we will get *ALL* of our money back. This is ridiculous and no one will help us.
Consumer complaint received 2015-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

Apparently i resolved this item with a previous collection agency and now this company Convergent is collecting on it. The other collection agency aknowledged that they could not collect, but now this company is starting to collect on this XXXX item. They sent me some blank pages with my personal data on it making it look like if these were my billing statements from XXXX. I want a letter from XXXX on XXXX letterhead and with XXXX contact information letting me know that they have authorized this company convergent to attempt to contact me and to attempt to collect. Also a letter from convergent which says they are licensed to collect here in the state of florida. also please send me all of my XXXX light bill statements which are on XXXX logo and letterhead with their address and phone number on it as well.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

SINCE  XXXX  O F 2016 EQU IFAX CREDIT BUREAU AND  XXXX   XXXX    XXXX   XXXX   AKA  XXXX   XXXX   XXXX . HAVE COMBINED OR ACTED ALONE. TO ERRONEOUSLY NOT REPORT, MISREPORT, OR NOT REPORT PERIOD. MY  XXXX   XXXX  AKA   XXXX   XXXX    XXXX   XXXX   XXXX  ACCOUNT AS ACTIVE. WHICH HAS RESULTED IN MY EQUIFAX FICO SCORE BEING UNFAIRLY REDUCED FROM  XXXX  TO  XXXX  OVER THE COURSE OF THE LAST NINE MONTHS OF THE YEA R 2016.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I disputed an creditor for the incorrect amount they reported to TransUnion credit bureau. They said if I had document to show they were incorrect send them and they will review them. After they ( TransUnion ) got the document they still allowed the FALSE information??? I have called XXXX times to get the creditor deleted. The other bureau DID REMOVE the same creditor from my file??? I need HELP?
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

In XXXX 2015, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. When my loan left XXXX XXXX XXXX, everything was perfectly fine with my escrow account and my monthly mortgage payments. In fact, the month before it sold, I sent them a check for an escrow shortage. On XXXX XXXX, 2015, Carrington did an Escrow Analysis and somehow came up with a shortage in the amount of {$1100.00}, however, no one can explain to me where this shortage is coming from. It does n't really take a genius to figure it out. They are paying my taxes on the wrong dates. I have faxed them a XXXX page letter on XXXX XXXX explaining my discrepancies with my mortgage XXXX a copy of which is attached for reference ). Whenever I call Carrington, no matter who I get, their response is always " I do n't know '' No one there knows how to do their job. My property taxes are due in XXXX and XXXX each year. They are trying to pay my property taxes in XXXX and XXXX and so now that is where the shortage is coming from. They are paying taxes before they should. The XXXX County Auditors office has gotten numerous complaints about Carrington doing this and they are getting extremely irritated because it is creating more work for them. They do n't even know what our taxes are going to be each XXXX until the XXXX ballet passes. Tax bills do not go out until XXXX and are due in XXXX. So Carrington is sending wrong amounts to them! In addition, Carrington is paying too much for property taxes. My taxes are {$1300.00} a half and Carrington is paying {$1300.00}. They are trying to tell me that my mortgage is going up {$98.00} due to this shortage, yet they ca n't even explain the shortage. Again, no one at this company knows how to do their job. I know more than they do. I never had any problems with XXXX XXXX XXXX. Carrington has been a COMPLETE nightmare and action needs to be taken against them. I have sent them all the documentation they need, and XXXX again, I am attaching all that documentation to this Complaint. They better get it figured out soon or I plan to take further action against their company! This company is a FRAUD!
Consumer complaint received 2015-09-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All XXXX credit bureas are reporting XXXX bankruptcies on my credit report. I never went through with these bankruptcies. They were both dismissed and I do not think it is fair that they are reported on my credit report. I attempted disputing the information several times but the bureas say, nothing has changed from my earlier dispute. I really would like these XXXX items removed from my credit report because they are items that never commenced to any legal proceedings or collection of debt. Please help me have them removed. Thank you.
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for two years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

In XXXX 2015 I responded to the XXXX, Delaware ( XXXX XXXX ) Citizen 's Bank Branch in response to XXXX $ promotion for opening a checking account. The teller explicitly told me to qualify you needed to keep the account in good standing and make XXXX online bill payments. The teller said that SHE HERSELF WILL POST THE BONUS IN SEVERAL DAYS! Of course nothing happened, and I contacted the regional manager. That manager apologized for the teller and told me even though your XXXX online bill pays were PERFECT ( this qualified ) you must wait 5 months later to XXXX XXXX!!! Yes, a FEW DAYS became 5 MONTHS! So on XXXX XXXX 2015 no bonus was received and I called customer service and the local branch manager - who said " oh you needed XXXX SEPARATE MERCHANTS on bill pay, so you do not qualify. So SERIOUSLY, they mislead me on the bonus payment date, then they mislead me into believing I qualified with XXXX bill pays, then they make me wait 5 MONTHS to tell me I did not qualify - and as frosting they failed to respond and resolve the issue on XXXX XXXX. This bank is DECEPTIVE and possibly PREDATORY, they failed the elementary rule of business - HONORING YOUR WORD. I made a complaint requesting them to execute regional managers statement that I qualified As of XXXX 2015 they have refused to reply or make the deposit of XXXX $ to demonstrate HONORING their WORD.
Consumer complaint received 2015-11-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package XXXX. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX XXXX sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.