davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

So I was activated and placed on XXXX XXXX orders and sent to XXXX from XX/XX/XXXX to XX/XX/XXXX. Previously I paid my Chase bill by going into the branch. Around the time of my XXXX Chase ceased mailing the monthly statements to my residence. My wife was not on the account. The bank refused to communicate with her. She had a POA. They refused to take cash payments from her. They are reporting XX/XX/XXXX and XX/XX/XXXX payments as late. I am protected under SCRA and received credits going back through XXXX that mean there were no late payments. We made a payment timely in XXXX that was 10 times the amount of the minimum due. Chase is refusing to allow for the fact that while deployed I could not go to the branch and my wife could not pay in cash as she was not me. One of their representatives treated me so vile it was beyond discussion how anti-military that company is. I will stop at nothing to correct this wrong as long as I live. I tell everyone that Chase is an extremely Anti-Military company who are discriminatory towards service members who are serving in combat zones. Please correct this wrong. They have never responded to my complaint. After adding my wife as an authorized user they claimed they would only respond to me through CFPB. Now that I have returned and am still on XXXX XXXX, they need to be forced to respond to me.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services (TN)

I have multiple unsolicited hard inquiries I want removed from XXXX by a company called Clarity Services Inc. a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. 

Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX and XXXX. 

Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. 

Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

My federal student loans were erroneously reported to the credit bureaus as being late when in fact they were always either in deferment because I was in school or they were part of an income-drive repayment plan in which my monthly payment is {$0.00} because my income is too low to pay back my loans at this time. These erroneous reports have caused my credit rating to suffer.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I went to XXXX XXXX XXXX in XXXX XXXX to purchase a car. I authorized for them and only them to run my credit. 10 different companies have an inquiry for that same day. I have sent letters and disputes to have them removed. 

On XX/XX/XXXX I went to XXXX XXXX XXXX and authorized them to make an inquiry on my credit. My report shows inquiries on the same day to the following companies ; Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ), XX/XX/XXXX XX/XX/XXXX ( again 2 in one day ) and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XX/XX/XXXX Car Buying Attempt : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 in one day ) Car Buying Attempt : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 2 in one day ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (KS)

I was signed up for Charles Schwab bank account without my consent in XX/XX/2017. I received a legitimate XXXX XXXX  XXXX XXXX XXXX debit card and several check books via USPS. I also got other pieces of mail welcoming me to the XXXX XXXX XXXX XXXX XXXX   Checking Account. 

I called the Schwab customer service line and was connected with a fraud agent. He alerted me that someone else had provided them/stolen my social security number, my address, and gave them a fake XXXX  address. I guess that 's all you need to get signed up for a bank account. 

The fraud agent assured me that the account had not be opened and that my ssn number was probably stolen over the internet. He gave me some advise on how to keep my personal information secure, which was nice. However, the subtext was that it 's my fault someone fraudulently signed me up for an account. 

I have no proof but a small part of me thinks Schwab got the scant information about me that is needed and sent me the debit card and and checks in hopes I would officially open the account. 

In short, I believe Charles Schwab, and other financial institutions, must require additional verifications before an account is created in someones name. If not done upon their own volition, they must be regulated.
Consumer complaint received 2018-07-07
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: EQUIFAX, INC. (NC)

There was a collection account on my Equifax report that did not belong to me. This same collection account was found on my XXXX  report and I was able to have it successfully removed from XXXX. I submitted a dispute with Equifax online and received an email on the XX/XX/2018 saying that my dispute was completed and directed me to view the results of the dispute via their website. However, the form for viewing the results has repeatedly not allowed me access to the results so I have not seen them. Additionally, the email states that if I do not access the results within 30 days they may become unviewable. I attempted to contact Equifax by phone multiple times with no success as I've yet to be referred to a live person. The phone line simply refers me back to the website which does not work properly. I am requesting assistance.
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (UT)

I got a call from stellar recovery. The lady tells me that i have debt with XXXX for XXXX. I told her that this is the first time i had heard about the debt. I asked her some questions as to when this so called debt happened, she says it is from XX/XX/XXXX. I said i do n't believe that was correct last i remember XXXX was after me to turn there equipment which i did. I asked her if she could validate the debt and she said so you are disputing that this debt is valid, and i said i would like some proof and she said ok and hung up. This call was made approximately on XX/XX/XXXX. I got an email this morning that may credit score had dropped i have a collection account from stellar on all XXXX bureaus. I have so many phone calls from fraudulent outfits lately, just last week i got call from the irs saying that i owed them XXXX dollars and if i did not pay they would arrest me.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Atlantic Credit & Finance, Inc. (IL)

I have been receiving calls on my cell phone and work phone multiple times per day from XXXX at Atlantic Credit & Finance about payment of a past due XXXX Account. He threatens and is very rude and condescending. They have sent me NOTHING in writing to tell me what my balance is or what my options for repayment are. They just demand I commit to paying them {$50.00} every month. We are looking at many items owing and I told them we are evaluating what we can commit to. He then threatens me and tells me they wo n't wait and will just sue me. Again I ask for something in writing showing my balance. I paid XXXX directly {$120.00} this month and they can not tell me in fact if it was applied to my accout
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (NV)

THIS IS NOT A DUPLICATE COMPLAINT! XXXX XXXX XXXX RAISED ADDITIONAL QUESTIONS! XXXX XXXX XXXX stated in CFPB complaint # XXXX that First American responded to each of XXXX XXXX 's several complaints. The facts are : this complaint asked the following questions. Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. I further asked ; is n't it a company policy of First American to maintain accurate records. Now ; per your written response date XX/XX/XXXX, you failed to answer all of our questions. 1st ; is First American aware of 18 U.S Code 1001,  false statement? Yes or No! 2nd ; is it safe to assume that when a company sends a title transmittal ( cover letter ) the letter will state in the transmittal letter every document that is being sent? Yes or No! 3rd ; did XXXX XXXX XXXX state in the title transmittal that First American enclosed the original Deed of Trust with the Policy of Title Insurance? Yes or NO! 4th ; is it safe to assume that since the original Deed of Trust was not mentioned in the Title Transmittal, the original Deed of Trust was never sent with the title transmittal? Yes or NO! 5th ; Is n't it a fact that all original mortgage documents are suppose to be sent to the lender by XXXX, XXXX or USPS with tracking. Yes or NO! 6th ; is n't it a company policy of First American to maintain accurate records. Yes or NO! 7th, where ( what location ) within the closing instructions reflect that the lender, XXXX XXXX XXXX stated to send the original Deed of Trust with the policy of Title Insurance as you stated in a previous CFPB complaint? Please answer our additional questions. Be informed that your answers provided will be used for court purposes!
Consumer complaint received 2016-12-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I have a Wells Fargo Financial National Bank credit card/XXXX XXXX XXXX XXXX that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, Wells Fargo never sent any alerts regarding promo-balances coming to the end of their designated time periods. Therefore, the balance came up without notice and my balance more than doubled ( over { {$1000.00} } in interest charges ). I ca n't imagine that they would have no obligation to actively notify me that the promotion is coming to an end.
Consumer complaint received 2017-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (KS)

On XX/XX/XXXX I contacted CCS regarding a debt collection on my credit bureau. At that point, I had advised that I had never received a validation letter ( the rep gave an address in XXXX KS ) I then got a call from my old roommate advising they got a letter at XXXX XXXX XXXX XXXX XXXX KS regarding my debt stating I had a Settlement opportunity. As I advised I no longer reside at the address that letter was sent to in XXXX, KS This means that the validation letter went out and your rep not only disregarded this fact but sent an additional letter to the XXXX address knowing it was incorrect which violated my right under which I feel violates my rights under The US Privacy Act of XX/XX/XXXX 4 U.S.C. as well as violation of 15 U.S.C. Section 6801-8609 also known as the Gramm-Leach-Bliley Act. 

FDCPA/Kansas Consumer Protection Act On XX/XX/XXXX I called CCS and advised I had not received any validation notice and spoke with a XXXX who made a demand for payment on the account. I had advised under Section 809 of the FDCPA that they are required to send validation within 5 days of contact to which they had not done, I made a settlement offer which was immediately rejected and not proposed to her client, and advised I thought they were required to have their client decline the offer first. I was then transferred to XXXX XXXX. XXXX XXXX advised they were waiting on an itemization before sending out the validation letter. 

This is a clear and blatant violation of the FDCPA, as well as FCRA, as the item is still reporting to my XXXX credit bureau. I feel this is a violation of K.S.A. 50-623 ( known as the Kansas Consumer Protection Act ) as first I was in the validation window since I never received a validation notice, the account had been disputed, and an offer was made for settlement which CCS and its employees were legally required as well as had a fiduciary responsibility to take to its client which it did not. 

Additionally, I contacted your office on XX/XX/XXXX requesting your fax number and if you had an in-house attorney. The rep said yes and refused to provide this information. Please be advised I recorded the call and have a copy of the recorded conversation that adds to my claim regarding your deceptive practices.
Consumer complaint received 2017-02-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IL)

PHH mortgage service has failed to update its records of my account being past due in XX/XX/XXXX and XX/XX/2012 despite my providing documentation of error and request to then and XXXX to correct. In late XX/XX/2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XX/XX/XXXX and on XX/XX/XXXX we made a combined XX/XX/XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (MD)

XXXX loan originator - XXXX XXXX has refused to provide me with the mortgage estimate in standard Loan estimate form referenced in this article : ( https : //www.consumerfinance.govXXXX ). 

After i had provided him with all necessary information including XXXX, he put hard inquiry on my credit report and refused providing me estimate in the form referenced here in the XXXX XXXX website saying he ca n't provide me with this form until i signed disclosure package and commit to them. I were thrown off, because all other lenders had no problem and gave me their estimate in this standard unified form, so it 's easier for me-consumer to compare terms.
Moreover, he was rude and very argumentative, claiming he knows what the guides are and that all other lenders who provided me with this Loan estimate form did it illegally and he completely ignored that it 's clearly outlined on the XXXX XXXX website. 

In other words he made sure, i will take my business elsewhere, at least where the people are polite and have professional manners.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I Recently Checked My Credit Report And It Stated That All of My Inquiries Were Deleted. Today XXXX/XXXX/2017 I Logged On and They Reappeared. I Also Noticed That My Credit Score Is A Little Lower Because of This Issue.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CMI Group, Inc. (TN)

I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.
Consumer complaint received 2017-08-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

OnXX/XX/XXXX I deposited a cashier 's check into my BofA checking account and was told the funds would be available next day. This check was from a new employer that I had recently been in contact with and did not question the timeframe of the funds being available. The next day, XX/XX/XXXX all funds ( XXXX ) were available. I then purchased XXXX gift cards as per request of the employer and made two money transfers through XXXX, one for XXXX and another for XXXX that same day so all money was spoken for ( both of these transactions are visible on my transactions list online and with the bank ). I checked my bank account the next Tuesday, XX/XX/XXXX and saw my account was negative XXXX. I called the bank, they told me the check bounced.. I then called my employer to let them know and asked for another check to be sent to bring my account positive as this was their error. They overnighted a check for the same amount ( XXXX ) and I deposited it into the ATM machine on XX/XX/XXXX, the very next day, the ATM machine stated there would be a hold on the check until Friday XX/XX/XXXX, so I waited. Friday came, and I checked my account and now I am XXXX overdrawn because this 2nd check has been returned. What I 'm confused about is the fact that the check is said to have been returned, yet there is now a new hold on this amount ( XXXX ) until XX/XX/XXXX.. next Friday. I called the claims department, and they said because I personally deposited the checks, they can not help me and it is now my responsibility to cover the amount overdrawn, even though they were the ones who told me it was fraud that was happening.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Riverwalk Financial Corporation (CA)

I received a call at XXXX from an individual working for XXXX at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
-XXXX are you aware that your social security number starting with ... and last four digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from XXXX, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with Deville MGNT, which is the company that contracted XXXX and inform them about what has happened. The manager did n't think XXXX said anything inappropriate and in fact, kept telling me that I had to pay the bill and that XXXX had the right to collect my debt.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Upon having my debit card rejected when attempting to purchase a coffee, I checked my account statement online which read $ XXXX. A check had been deducted from my account for {$40000.00}. I suspected check fraud, called Santander and was instructed to proceed to a branch. 
While at the branch, the tellers and I deduced that an ATM error misread my check for {$40.00} and, unfortunately, nothing could be done. I demanded that this be resolved as soon as possible as I needed gas to return home but was told that the check had to be cleared before any action could be taken. This could take up to 2 business days. I asked how this amount could be automatically subtracted from my account with no alert, whether electronically or by phone and the tellers could not provide a sufficient answer. The teller then advised that I should have a credit card as a back-up for gas and I should have downloaded the Santander app. The Santander app would have alerted as soon as the check was deducted from my account. The teller further indicated that if I had acted sooner, ie. in the morning vs. afternoon, this problem could have been averted. 
It has now been 24 hours and I still do not have access to my funds and my account remains to be $ XXXX.
Consumer complaint received 2017-08-26
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. (FL)

Dear XXXX, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.