davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IL)

Submitted a pre-approval request XX/XX/XXXX and was advised I would qualify for two different cards and was asked to apply. Completed application on XX/XX/XXXX and was advised I was denied for the card. 

Called and was told the reasoning was due to a prior or current account that was with them that went past due. I had a prior card back in XXXX that was then discharged through a bankruptcy ( Chapter XXXX ). It went past due prior to filing. 

The person advised the reason I was denied and only reason is due to this past due account. I then asked what is their time frame that I would then become eligible to reapply and that this condition would not count against me. I was told I could " apply at any time ''. I advised this doesn't make any sense given I just applied today and was advise I don't qualify due to this issue. 

I asked what is Discover 's policy regarding when someone who had an account that went past due would be eligible for a new account. I was told they don't have a policy and that I should consult a financial adviser. I responded this is not accurate information as a financial adviser would not be able to advise what Discover 's policy is and that this denial is due to their own policy not external. I was never able to get an answer. 

All I simply want to know is what is their policy. Its pointless for me to keep reapplying for a credit card with them and having a hard hit against my credit if I'm just going to get denied for an old account that was legally discharged. Its also very poor that someone would just tell you to keep reapplying without a consideration to the fact this hurts your credit with a hard inquiry or be able to provide a time line. Its rather insulting to be told there isn't a time frame when if I'm being denied because of this, it would logically mean there is one. Also if this is the ONLY REASON for denial as stated per the rep, it would typically mean there is a POLICY in place about this. As a consumer you should be able to be informed when asking about what the policy is in order to make decisions regarding your time and credit.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Today XX/XX/XXXX I spoke to 3 different customer resolution reps and I customer service representative from Specialized Loan Servicing. I have tried several times to access my account online and even make payments of {$1000.00} which was my mortgage amount and listed on my statement and 4506T form and I've been blocked out of my account. Previously they said it was because I was behind in payments.Now they are saying its because I'm in bankruptcy. I asked them where was the paperwork from XXXX XXXX XXXX showing the details and terms of the transfer to SLS. No one was able to provide this information as I requested. I also requested the status of my modification request which they also denied sending me. SLS has continued to charge an astronomical escrow and tax amount to my account now totaling XXXX. I have to ask if they are in violation of Section 6 and10 of RESPA. When I was approved for a modification in XX/XX/2017 I was notified at the end of XXXX. I requested a forebearance until XX/XX/2017 because that's when I would begin receiving my retirement income. They insisted on continuing a late notice modification denying payments from there on out. I have appealed denial decisions and SLS still refused to allow me to bring my account current and my monthly income has been sufficient. They in turn increased my payment to {$1000.00}. I was also told previously that my payment was over {$1100.00} or so when upon the transfer from BOA.That is not true it was for {$1000.00}. I was also told by XXXX  XXXX XXXX that SLS brought the loan for {$160000.00}. Any terms they are collecting for I question because SLS knew I was in an underwater loan and continued to allowed me to fall behind in payments. The most recent time I called SLS today they took my number out of their system prompting me to reenter it. I have also asked them to supply me with the loan terms that are under XXXX XXXX and XXXX XXXX and all the representatives did was transfer me back and forth between departments barely answering my questions to provide prof they can legally collect money for a loan.
Consumer complaint received 2019-09-11
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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc. (CT)

In XXXX of XXXX XXXX sent a request to XXXX and XXXX for the XXXX time in XXXX to have the information regarding the Santander Consumer USA account removed from my report. I informed XXXX   and XXXX  with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at Santander along with verification of a contract with my social and signature, and how the obtained the information from Santander. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. XXXX  and XXXX  never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at Santander submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. Santander was part of state-wide lawsuit here in XXXX.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I filed a chapter XXXX my attorney sent out notices we file in XXXX iI told the XXXX XXXX XXXX and XXXX the collection agency of the bankruptcy, I gave them my attorney 's contact info. They stopped calling then they started sending mailing, again i told them they should have responded and to contact my attorney. Now i see it as a collection on my credit report. 
They need to remove it. 
XXXX
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (TX)

Discover credit card company. I had a payment program with the company in order to reduce the credit balance and interest for about a year and some months now and I was told I can not make use of the card for the period of the payment program. This program started XXXX last year. After three months they stop the program without my notice and when I complained, they said It was a mistake and apologized, but the interest remained the same. And this has being going on for long time now. Why I am reporting them now is because the they deleted my automatic payment method because I complained about charging unnecessary amount before the due date. Now they made me missed a payment because my automatic payment was deleted and I was not aware about it and there was no message to indicate about their decision. I called to find out but they refused to speak but instead keep ending my calls. This morning I received a statement of my account with the amount times two of what I suppose to pay. I believe I have pay almost have of the credit balance but because of their fraudulent act. The money still remain High. Please I need this organization to look into this because they have scammed me a lot and they say I can do what ever I like. Maybe because they feel I am a nobody. The attached documents disclose the automatic payments I setup in my account but they deleted it because they want me to miss a payment so they could charge me more interest
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019, I conducted a balance transfer of an entire balance from Capital One to a no interest XXXX card. I was told that the processing time is 5-7 days. On XX/XX/2019, I phoned Capital One to apprise them of the transfer and ask if the account had been paid off. I was told it was not. I once again phoned on XX/XX/2019 to inquire and was told that it was not. I was told by the Capital One representatives on both days that notes would be made on my account that the payoff was going to be forthcoming. No other action was asked of me and no payment was requested or demanded. No warning of negative activity was made. 
One XX/XX/2019, the expiration of the 7th day for processing time, I received an email from XXXX letting me know that a 30 day late reporting was made by Capital One. The reporting decreased my score by 44 points. I then contacted Capital One to ask why this reporting was made without warning during the multiple conversations I had with them letting them know of earnest intentions. They responded that I should dispute it as there was nothing they could do for me. Had they warned me, I could've protected my credit history by making any payment that they needed to avoid a negative reporting. 
My accounts have always been healthy. This is the first late reporting on my credit history. Please help me.
Consumer complaint received 2019-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

In XX/XX/2019 I was diagnosed WITH XXXX XXXX AND was sent to the University XXXX XXXX XXXX for treatment. I spent a total of 50 days in the hospital. I have not worked since that period. XXXX pays my COBRA and meds ( most ). I was put on XXXX but haven't received a check after six months. I have contacted Bull City Finical and if you take note all billing is for the same date ( XX/XX/2019). I filled out the paperwork and submitted it to XXXX for aid if I owe them. It is pending. 

I have work hard to repair and rebuild my credit only to have it drop by 76 points..
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

The purpose of this communication is to advise the collector Hunter Warfield that the debt you are trying to collect do not, and should not exist, because I notified XXXX the manager at XXXX XXXX  XXXX that, I could no longer reside in the community, because of the fact that I was the victim of a car burglary, and I no longer felt safe, as a senior citizen living in XXXX. XXXX told me that I could live out my deposit if I cleaned the apartment, and this was done. 
I also told her was that I had came into contact with a criminal that I knew from my previous employment, at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he had made a verbal threat on my life. XXXX told me, and I understood that she could not evict a person because of the fact that they had previous involvement in a criminal life style. 
Therefore, I told her that I would have to move, because I feared for my safety, and on the day that I moved I went to the office, along with one of two of my former co-workers and turned in my key. Several years later, I started getting calls from Hunter Warfield about a debt I owed to XXXX. This debt should not exist because I made sure that I took a witness with me for this specific reason, and he is willing, and available to testify in court if needed. 
As far as the criminal I did not take the time to find out if he was a resident at, or if he was visiting a resident in the community. I know that at my age, I was prepared, and had would have had to use deadly force to protect, against him, and I did not want a public trial, because this would have led to even more scrutiny, and me having to move again. Therefore, I would like the CFPB to publish this description of my response to Hunter Warfield claims, because I feel that, if there was a problem with my actions, XXXX should have stated them to me when I turned in my key. if they continue with their unwarranted contact I am prepared to go to court with a witness to provide direct evidence of my lst contact with XXXX.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Capitol Credit Services, Inc (IL)

I am a XXXX women. Yesterday I attempted to contact XXXX XXXX to find out what the problem was. And why my account is XXXX balance with a {$15.00} credit yet I can not charge. Anything over {$9.00}. I was in formed XXXX XXXX had not released the funds. Yet my account reflects they took the money out of my account XX/XX/2019. The Tech handling my called informed it will not be released until Friday XXXX. I received false alerts like my account is updating. Yet it cant be used. How can you constitute this as a rebuilding process for credibility when it is being manipulated. Yet if I dont pay or choose to manipulate the process it is counted against me. And the company continues their practices to manipulate my integrity with alerts or delayed payment process. Thr accusation the account is negative. When I actually have {$310.00} in credit for use but can not use. How is this a rebuilding as advertised a credit card resource to establish.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz, Inc (OK)

I noticed I had a negative mark on my credit report on XX/XX/2019 involving a medical debt that was being handled by Works & Lentz , Inc. of XXXX XXXX, OK. I have never received any notice via phone or written communication of this debt from Works & Lentz , Inc. Upon further investigation with my insurance company and the provider, a claim had never been filed and I had not received any bills due to error in my address on file. The claim has now been submitted and I was advised to notify the debt collection agency that the debt was now in process of being resolved. Upon calling Works & Lentz and  explanation of events, they wanted my contact information to now notify me of the debt. The individual on the phone also wanted our insurance information and DOD number even thought they are not the ones filing the insurance claim. I promptly ended the phone call at that time.
Consumer complaint received 2023-02-03
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

I have previously utilized CFPB assistance ( complaint number XXXX ). At this time, I am continuing to have struggles communicating with FedLoan Servicing. They have removed letters from my paperless inbox and have not responded to my multiple requests to return the communications which have occurred around public service forgiveness. Please help me to compel Fedloan Servicing to stop deleting their communications with me. 

Thank you.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (UNITED STATES MINOR OUTLYING ISLANDS)

It is with great fraustration and after eight years requesting from Chase Bank a work out plan that is feasible to all. As of today I have not received any decent help or resolution on this case. 
Just to familiarizes you with the case, after so many packages provided. 
On XX/XX/XXXX. I, XXXX XXXX was called by a representative of Chase Bank while applying for a loan and was informed that my application package submitted by XXXX XXXX XXXX XXXX XXXX on XXXX Loan # XXXX was denied. No specific reason was given. Except that I had the right to an appeal. It's so happened that the day of the denial was the last day for the appeal. How can both happened at the same time. 
This loan is a Wamu loan option arm based on a 3 % margin over the MTA index and property taxes are escrowed. I understand that chase bought the loan from Wamu ( Washington Mutual ) in ridership in XX/XX/XXXX. It was shortly after when I started getting invoices from Chase. Please understand that this is not a mortgage default. I have never stopped payments on my mortgage.. 
All I wanted was for Chase to give me what the had promised. 
The agreement read {>= $1,000,000} dollars less that the existing principal on the loan and agreed to hold the difference on a 0 % interest for 30 years. They waited six months to tell me they were not closing the promised loan.. 
Chased proceeded to do an appraisal The appraisal indicated my home was under water I then accepted the refinance loan and provided loan documents. Again Chase came back and told me that they could not give me a loan. 
There area various issues with this mortgage First being JP Morgan Chase may lack the proper legal standing to enforce the mortgage and note, because of the note endorsement stamp issues containing the signature of the former Vice President of Washington Mutual, XXXX XXXX. 
XXXX XXXX report from XXXX Fraud mortgage investigation suggested that the interest was not calculated properly and also the real estate taxes. He pointed out that the note may not be properly endorsed and that Chase never recorded the deed. 
I think chase 's tactics were disingenuous and perhaps even fraudulent. I have provided report from XXXX XXXX XXXX Fraud investigation for your review.