davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX around XXXX in the afternoon i received an e-mail from a chase stating as you have requested weve ordered you new atm/pre paid or debit card or you were issued on at a branch. I was working and i thought it was weird that they would send me a email when i had no changes to my account, or anything for me to have requested a new card or anything. I checked my account to make sure everything was okay and it was. When i got off of work at XXXX i received notifications of 4 transactions at a XXXX XXXX in XXXX for the amounts of 1- {$54.00} 2- {$52.00} 3- {$52.00} 4- {$52.00} i quickly called the bank to have my card canceled. They did a verification over the phone and asked me questions that had nothing to do with me, i also tried verifying with my phone number they stated they would send me a quick text ( but that the system had blocked my number? ) also that i had answered the questions incorrect therefore i had to step into a branch. I stepped in had myself verified with two forms of ID. An agent called the claims Deparment asked me valid questions pertaining to what was going on and told the claims department over the phone yes i have the card here in front of me validating that it was fraud and someone had either cloned or just knew my numbers to my card. the agent told me i would get a refund within a couple of days and i did. I got the refund everything was perfect. On XX/XX/XXXX around XXXX i checked my bank account and noticed they had taken back the money they had given me back, i immidately went into a bank and was put over the phone with the claims department and was told that they had experts that knew that i had inserted my card into the XX/XX/XXXX machine, and had entered my pin into the machine as well. When trying to ask how is it possible since they took my money at XXXX XXXX  on the XX/XX/XXXX, and stepped into a branch that same day at XXXX With my card. I could not be at two places at the same time. I live in XXXX tx when trying to explain this to the claims agent he stated maam theres is nothing we can do anymore we have proof and basically cut me off i had to talk to a manager who told me i should file a police report if i want to get this settled. I took my police report today. Gave it to them and all they said was okay thank you. Never told me what was wrong, what was going to happen, nothing at all. Why give me the money back if later they stated they had proof that i was doing fraud with the bank. I am very upset that a big bank like CHASE would do this to a loyal customer. I want justice for my claim. And my money that was stolen from me.
Consumer complaint received 2018-03-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Disputed information on XX/XX/XXXX 72 hours later I received results of XXXX 's XXXX being final.Disputed again on XX/XX/XXXX 72 hours later I receive the same email. The person I spoke with placed a new dispute. I told him that I have proof account was paid. I have a letter from XXXX 's XXXX stating that account was paid in full. He stated to go to www.experian.com/upload. I did upload information and received a note it had been accepted. I received another email on XX/XX/XXXX stating dispute was closed again. However I uploaded the document XX/XX/XXXX. So did they even do a investigation. I called XX/XX/XXXX. I spoke with a lady at XXXX XXXX who confirmed I had they did receive upload. On XX/XX/XXXX I woke up to another email stating it was final. I called them back again today. The person was very rude. He didn't want to hear what I had to say. He then said he didn't receive a upload. I explained to him about the call on XX/XX/XXXX. Also I have multiple lines of credit now. I have paid faithfully and my credit score is not being updated. I feel as though I'm lost and no one will help me. I have been on top of things. Then to try to explain to someone what is going on and they talk over you and say so what. I paid bill to clean up my credit and have to go through this. They will not help.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (TX)

In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become Real Time Resolutions wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX  about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX advised that Real Time Resolutions continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and XXXX that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with Real Time Resolutions, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I received a copy of my personal credit report and submitted a dispute letter to Experian to validate payment history for account # XXXX. Experian sent a letter back stating it was verified-not validated. I asked for the names and numbers of who they spoke to validate the accuracy of the account that is reporting on my credit report because this is the responsibility and the law of the credit bureaus whenever reporting any item on my credit report. 

They have not provided the information requested and has the account remains on my credit report.
Consumer complaint received 2018-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

During the Housing crisis beginning in XXXX the value of my home decreased dramatically. My goal was to reduce my monthly payments and have an affordable interest rate. Ocwen my Lender instructed me that in order to do just that I must refrain from making mortgage payments for 89 days. On the 90th day Ocwen implemented foreclosure proceedings which resulted in applicable attorney and appraisal fees. These fees were unathorized and unwanted. After disputing these charges with their Resolutin team and the Ombudsman department for 6 years I realized the charges must be paid. Since XXXX I had hoped these charges would be resolved. Ocwen refuses to remove the charges.. 
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Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northland Group Inc (OH)

I had a car loan with XXXX XXXX XXXX, I was hit by a drunk driver XX/XX/XXXX. XXXX XXXX paid my loan off to XXXX XXXX XXXX and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get XXXX XXXX XXXX to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX . The accounts total balance was XXXX . PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc. (TX)

I believe this is credit card debt. This is 1 of 2 accounts they continue to harrass me about. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (MD)

On XX/XX/18 this company was contacted in regards to a late payment that was never late ( paid through a lawyer directly ) in regards to a different account and when XXXX XXXX calls back he states I owe a debt from 8 years ago. He then accesses my credit report without my permission on something I have A ) Have no record of B ) Did not admit to owing the debt and C ) Is from 8 years ago which is past the statute of limitations to sue and can not be placed on a credit report. He then became EXTREMELY ABRASIVE and nasty and asked me " Am I refusing to pay this debt '' among other things. I then hung up. This company has 21 complaints as of today in regards to their practices, tactics and customer service on the XXXX  website. Link is below. 

https : XXXX
Consumer complaint received 2018-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (FL)

After many attempts to reach a better payment options with Sallie Mae they refused to help me and my cosigner under the pretense that " we have more than enough money to make the payments ''. Now mind you my cosigner is battling XXXX and I work for a non-profit and don't make that much. Now they have resulted in daily harassments towards me and my cosigner. The harassments have been going on for months now. If this new CFPB do nothing I will sue Sallie Mae for harassment.
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

This is a problem with company XXXX ( coinbase ). 
On XX/XX/2018 my account suddenly got logged out and not able to log back in and keep saying error occurred. Contact XXXX  support. 

So I emailed them and called them but was told they will transfer to specialist and someone will email me. I havent heard from them so I called them again but they cant do anything and told to wait till they email me again and received case number of # XXXX, # XXXX, # XXXX, # XXXX. 
Sorry I have many case number, cause they issue new case number every time I call or email and encourage to not contact them cause it will create new ticket number which I think thats also not fair when I want to know whats going on and whats the status. 

Its been over XXXX weeks but I havent heard from them and I have no access to my money and when I asked to close my account they said cant right now. 
Meanwhile my investment going down crazy and I cant do anything about it. 
Who is going to responsible the money I loss because I dont have access to my account for so long? 

I think this is ridiculous business setup and customer service that needs to investigate and reviewed. 
As far as I know there are lot of people at XXXX/coinbase have same issues with me. 

I am very frustrated I dont have access to my account and I dont hear from them and when I contact them they dont have any answers but to say wait till they contact me. 
I dont find solutions with them so I am contacting CFPB for help. 

I hope my complaint reflect to improve their way of running business and resolve my case asap. 
Thank you.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

A Wells Fargo Deposit Account has been opened under my name. account ending number are XXXX non of the accounts I have with Wells Fargo end in that number. the account was discovered by XXXX XXXX XXXX ( XXXX ). I want to end mu business with Wells Fargo but before I need to Fix this. also I want all fees charge because of that account, returned to me. any advice?
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Twelve months ago, a representative of Bank of America informed me that I owed {$660.00} on my credit card with the {$500.00} limit. 

At her recommendation, I allowed her to post-date twelve {$60.00} checks to be withdrawn on the fourth Wednesday of every month which is when my Social Security check was direct-deposited. 

I thought all checks had been cleared but learned in a telephone communique today, XX/XX/2018, with XXXX XXXX of Bank of America, that the last check had been returned. 

However, I still paid a total of {$660.00} on a {$660.00} bill. But, according to XXXX XXXX, I still owe them {$200.00}, which they promptly reported to all three credit bureaus. Apparently, they continued to assess late fees even though I was paying regularly. 

This is ludicrous. I did not try to avoid paying this bill. I have never avoided my financial responsibilities. And now, at XXXX, when I am barely surviving on Social Security, Bank of America is trying to get blood from a turnip. Unfortunately, the poor, elderly and disenfranchised are easy targets and today 's financial institutions have no scruples. 

Please help.
Consumer complaint received 2018-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

On XX/XX/XXXX I got a student loan for {$13000.00}. I now owe {$75000.00}. This is due to forbearance and deferment options offered to me over the past 20 years. I now receive XXXX XXXX payments. I was deemed XXXX 6 years ago with my reevaluation next year. I called Navient yesterday to find out why there were no interest charges on my account only late charges. He tried to explain to me that capitalized interest was the late fees and these were applied to the principle or something to that effect. I applied for an income-driven repayment plan which was not accepted because my husband did not sign the form. They told me I had to resubmit with his signature. I refuse to do this as him signing papers on my loan would legally make him responsible for the loan. We were not married at the time of this loan and were only married 7 years ago. When I explained this to Navient they said that he would not be responsible for the loan legally but to apply for an income-driven repayment plan we had to count the total household income. That's pretty shady to me. A loophole I suppose. I have applied for a permanent and total XXXX discharge as I have COPD which is terminal. My physician will not sign off on the papers as he says that it states my condition will result in death within one year. I am only in the early stages as of now. I have submitted documentation of my illness in the form of medical records from my doctor but they were not accepted. Navient also explained that if I am on XXXX XXXX and it is expected to last 7 years or more, I am eligible for permanent and total XXXX discharge but must get a letter from XXXX XXXX XXXX stating such. I do have a letter from the XXXX XXXX XXXX stating that they will reevaluate every 3 years. However the 3 year Mark has gone and I am coming up on 7 years. I have tried on numerous occasions to compromise with navient but to no avail. Had I known this loan was going to be outrageously difficult to pay, I never would have considered a loan. The principal on this loan is {$73000.00}, interest {$610.00}, {$1200.00} in late fees and total payment due is {$1800.00} on XX/XX/XXXX. They seriously expect me to come up up with this amount of money. Our monthly income is barely over that. To my knowledge, income-driven repayment plan was only a recent thing. I was never told about this during the time of this loan and was always offered forbearance or deferment options. How can they get away with this? What can I do?
Consumer complaint received 2018-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I contacted the collection agency requesting validation XX/XX/XXXX but no response. Then I contacted the bureaus on XX/XX/XXXX. XXXX and XXXX  NEVER validated but removed the account. ONLY Experian has NOT validated the account and/or responded. They just continue reporting it. This is a violation of FCRA. Your assistance would be greatly appreciated.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I am trying to temporarily lift a freeze on my Equifax credit report that I placed as a result of the security breech that occurred at Equifax. Equifax has incorrect information that is making it impossible to establish my identity and access my account to lift the freeze.
Consumer complaint received 2018-03-14
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. (OH)

I have tried several times to get accuracy of this account to show that it belong to me. The original creditor has failed to do so. With my right of Fair Credit Reporting Act, to my knowledge, You are required to notify me within five 5 days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. Between XX/XX/XXXX and XX/XX/XXXX this file was re-inserted on my report. This company is causing financial distress as it making it hard for me to obtain creditworthiness.
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc. (WA)

I received phone call and male said he wanted to speak to XXXX XXXX. I asked what it was about and what organization he was with. He would not answer. He wanted my birth date and social security number. I asked him again who he was and whom he represented. He said XXXX and said they sent me a letter and that I should go home and read it and call back when I wanted to talk. I googled their name and phone number. I have no knowledge of this company or their services or letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. 
This was a horrible way to treat someone even if they do own for a medical bill.