davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (TX)

My mortgage company started proceedings to change my flood insurance from a low risk zone to a high risk zone without my knowledge. 
We only learned of this when our insurance company contacted us on XX/XX/XXXX requesting an elevation certificate and other documents to process the change. 
We were not given any time to research the situation as the mortgage company continually harassed the insurance company to expedite this process. 
I had to find a surveyor and pay XXXX dollars to obtain the certificate meanwhile frantically trying to get information to counter this process. The whole subdivision is located in zone XXXX and no one could explain why our lot was in zone XXXX. 
After weeks of research and communication with FEMA, our Congressman, and XXXX County officials we were able to determine the subdivision was raised and filled to meet flood base standards when it was created in XXXX. Unfortunately the flood maps were created in XXXX. We obtained a copy of the revision from FEMA. We tried to give this information to the mortgage company but could not find anyone that was familiar with the situation. I had to contact my insurance company to obtain the name of the person responsible for initiating the change. I called several times and sent the revision letter but never received a reply. Finally after several days I was able to contact this person but was told, yes she received my information but they only go by the maps not revisions. I told her that was unacceptable and she reluctantly agreed to contact her supervisor about the matter. 
Less than an hour later she contacted me and my insurance agent. We were told the property could stay in zone XXXX for the time being but they might revisit the situation later. 
At this point the property had already been re-zoned to XXXX so I was required to submit more paperwork to get it back to zone XXXX. 
This was extremely stressful on me and my husband. We were told our insurance premium could go from XXXX dollars to thousands of dollars. Money we could not afford. We were looking at foreclosure as our only means of escape. 
Shouldnt companies notify their customers before initiating changes to their mortgage or insurance that protects the mortgage? Shouldnt customers be given adequate time to obtain documentation to prove their rights? If we had been aware of the situation we could have avoided the stress and monetary loss we encountered.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (AL)

Due to misunderstanding and clerical errors of this account, I am requesting validation of this debt. I never received proper notice for this debt. I was notified by XXXX in XX/XX/ that this account would be tranferred to RTR on XX/XX/. I received two account statements from RTR. The first time I spoke to RTR was XX/XX/. I wanted to settle a debt that I supposedly owed. Unfortunately, at that time I was unaware of my rights.After five days of initial contact, RTR should have informed of the name of the creditor to whom the debt is owed, a statement of dispute, correct amount owed. In short, my consumer rights. I do feel RTR is taking advantage of me by not properly informing of this debt. I deserve to know my consumer rights. Overall, RTR account handling is unfair, deceptive and unorganized. I have no problems with the customer service reps.
Consumer complaint received 2018-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

I mailed out a check in amount of {$240.00} to " XXXX XXXX '' for my church advertisement fee on the date of XX/XX/XXXX. In the morning of XX/XX/XXXX, I found out there was a transaction of that same check in amount of {$2200.00} and made out to a person 's name as XXXX XXXX XXXX XXXX and on the memo section it said XXXX XXXX '. Someone definitely altered my check by adding '2 ' in front of my original XXXX and squeezed in 'XXXX ' right in the little tiny space, and changed the payable and the memo. I went to my bank which is XXXX XXXX and made a claim to the Fraud department. The associate told me not to worry and they will investigate on this asap. So far they found out a person stole my check and altered and deposited to Wells Fargo bank. But finally after all that investigation, Wells Fargo sent me a letter saying they are not going to reimburse my money because I could not provide a copy of my check before it was altered. I don't use those checks that come with carbon copies. I don't make a photo copy before I send payments to my bills. All I have is the statement the " XXXX XXXX '' sent me and a note that I wrote on that saying " XX/XX/XXXX Ch # XXXX {$240.00} '' for my record. Both banks made huge mistakes. Now they are blaming on me. What should I do?
Consumer complaint received 2018-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (MD)

While using American Express I was told several times my credit report would not receive a negative his as I was working with AMEX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, AMEX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point AMEX still kept the account closed and did not remove the negative credit hits on my report.
Consumer complaint received 2018-07-25
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: JPMORGAN CHASE & CO. (MI)

My identity was compromised years ago, so I have learned to check my credit reports frequently. The first incident of fraud with Chase Bank was on XX/XX/2017 when someone attempted to open a credit card and/or account using my information. I immediately contacted Chase on XX/XX/XXXX and answered security questions to prove it was really me. They told me that it would be deleted. I filed a police report and waited for it to be removed. I called again after 90 days because it wasn't removed and received an apology and assurance it would be done. A few months later, another fraud attempt was made at Chase and I called them again and followed the same procedure. A few weeks ago, I checked my credit report and the derogetory information is still there. I have made several calls to the fraud department of Chase and also their credit bureau specialists to fix this since it first began in XXXX. I am told time and time again it will be corrected and yet it never is. They have sent me letters confirming the frauds and their corrective actions. Despite this, no corrections have been made. They also declined to give me specifics of the the frauds so that the police could investigate and arrest. I was told it was done in person at a branch but the wouldn't tell me anything more.
Consumer complaint received 2018-02-09
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. (IN)

I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IL)

Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value. 

I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value. 

The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX. 

Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?
Consumer complaint received 2018-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC (IL)

XXXX XXXX XXXX XXXX place 2 incorrect accounts on my credit report. I requsted supporting doc from them. They only sent past due bills stating that its my account Im not aware of account so I asked for additinal info which they did not send. I asked for signed contract which they did not send. I asked to remove from my credit file an they refused.
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. 
You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

First week of XX/XX/XXXX I received a letter in the mail stating that XXXX XXXX XXXX XXXX would soon become American Express XXXX Honors " XXXX " ( not sure if that is correctly spelled ) card. I assumed that XXXX XXXX  would close my account, send me a bill and Amex would send me a new card. None of this happened. Instead I am flying out for work and my card didn't work any longer. I called XXXX bank from the airport and they explained that XXXX sold their account to American Express and XXXX has no way of viewing or sending me any other information. Everything is now in the hands of XXXX. I call XXXX with a number provided by XXXX. After a half an hour of talking to them and explaining that I have not gotten any info from them or a card. They said they would rush one to me as I returned from my work trip. Nothing came. I called on Tuesday XX/XX/XXXX and it was supposed to be to me no later than Sat. XX/XX/XXXX. I called back from the airport on my next trip and again another half hour and three reps and I told them to close my account and bill me. Then they sent me to another rep who started all over again. Then they emailed me after and I returned the email to close my account and bill me. I don't want to do business with this kind of company that can not be professional and responsible. I don't know what to do at this point. I want my bill so I can pay it off and close the account. But I keep getting no where. 

Can you help?
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AssetRecoveryplus (MI)

A false debt collection was reported to the credit bureaus of a debt ( {$1600.00} ) that I have never owed, and am unaware of! It states this debt was opened in XX/XX/XXXX, and closed in XX/XX/XXXX. This is completely false and fraudulent! 


Creditor Information ASSET RECOVERY PLUS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX It states the original creditor was XXXX XXXX XXXX. I am furious.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX I have contacted Equifax 4 times a month since XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017, XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address. I have submitted a complaint to XXXX and this was the response : Dear XXXX XXXX, we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. The disputed address XXXX XXXX XXXX XXXX XXXX, Florida XXXX is currently not reporting on the Equifax credit file. Please note that for future disputes of credit report information, you may visit www.equifax.com.  Clearly there was no investigation, because every phone call had nothing to do with that address, they never too the time to review the calls or disputes!!! This is fraud, they will not even let me dispute online. Each time I call they tell me they will note the account. If there is notes on the account then they would investigate this correctly and have the correct address. There should only be one address.
Consumer complaint received 2018-02-09
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: EQUIFAX, INC. (OH)

I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.
Consumer complaint received 2018-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

On XX/XX/2018, XXXX listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, XXXX will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, XXXX added the collection account to its files information after the Equifax data breach of XX/XX/2017 had compromised my personal information.
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/, I placed a voluntary security hold on my Coinbase account as a precaution after my cellphone and personal bank accounts were compromised. I explained to the Coinbase representative that my Coinbase account had NOT been compromised - rather, I was notifying them out of an abundance of caution. I asked that my account be placed on hold until further notice. 

On or about XX/XX/, upon confirming that all of my personal security issues had been resolved, I notified Coinbase and requested that they reinitiate my account access. 

Since that time, I have called Coinbase several times. Each time, I am told that my request for account access has been " escalated '' and has the " highest priority. '' However, each time they also told me that they did not have enough resources to respond to my request. I asked for a time estimate and was told that one could not be provided. I then asked whether it would be " days, '' " months, '' or " years '' and - shockingly, I was told they could not give me any estimate. 

On XX/XX/, I asked to speak with a supervisor named " XXXX. '' She refused to provide her last name. Once again, she would not provide a time estimate as to when my account access would be granted or when I would be able to close my account. 

During each of these calls, having grown frustrated, I indicated that I wanted to close my Coinbase account immediately. I was shocked when they responded that my account could not been closed while I don't have access. 

To date, I have not been able to access my account nor have I been able to close it.
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MN)

i spoke with a representative from chase card services in XX/XX/XXXXregarding two account I had that were passed due and I wanted to get these accounts to good standing. The representative told me that they were closed but we can do a program known as reaging to get accounts back active. per call in XX/XX/XXXX i spoke with another representative that informed me reaging is still a possibility on the account i had to make to two payments to satisfy the past due amount and then they accounts will be reactivated. Payments were made as agreed and i followed up to confirm account would be repopened in a timely fashion customer service representative XXXX she informed me that was not what the arrangement entailed and that my accounts remained closed. when asked for recording of conversation customer service representative did not provide the information to me and continued to try and avoid the conversation with me.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

My Home Affordable Modification became effective XX/XX/2012. I've been making my payments as agreed in the modification. In XX/XX/2012, Chase transferred my loan to XXXX XXXX XXXX, XXXX. Months after the transfer to XXXX, I noticed a prev-prior servicer fee of {$4900.00} on my monthly statements. XXXX, couldn't give me an explanation of the fee other than it came from Chase Bank. I've tried calling Chase several time for answer but I received the same reply, we are sorry but we don't have any information about your loan because everything was transferred to XXXX. Finally, after putting my dispute on paper, I received a response from Chase Bank that has me even more confused. My Home Affordable Modification states that I would have a new principle loan balance of {$210000.00} which includes all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' It also state in the preceding paragraph of the agreement that all unpaid late charges that remain unpaid will be waived as of the Modification effective date.