davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MN)

I applied for a loan to purchase some recreational property and when the bank did a title search on the land it came back stating I had a default judgement against me in the amount of {$1200.00}. So the bank denied my loan. When I asked for a copy of the judgement it does not state who creditor was but it was entered on XX/XX/XXXX.I never received anything in the mail about this and I have lived at the same address for the last XXXX years and was living here when this was entered.My son and I have the same name except he is XXXX and I am XXXX.The Judgement says our full name and a.k.a. XXXX on it.The debtor address is an address where my son used to live.He has horrible credit my credit is good and this Judgement did not show up on any of the XXXX credit reporting agencys on my credit. I went to our court house and tried to get it removed they would not, I went to the title company they said For {$75.00}. dollars I can file an affidavid stating that then bring it to court house and for {$40.00} dollars more I can have it filed. I am not paying a penny for a debt that is not mine. I contacted the Head Person for our county and he said I should hire a lawyer. I tried to contact the plaintiff listed on the judgement the phone number I was given says it can not be reached from my calling area. I google the address and it comes up as a different business when I tried to call the number on the ir websight it says this is a working number but no one ever answers and there is no voice mail.I googled the names of the XXXX attorneys and the law office they are from and I can not not find them in Minnesota. They are supposed to be in XXXX XXXX.And in Minnesota it says that after XXXX years the judgement has to be dropped and it was entered in XXXX and this XXXX.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IN)

The reason for my complaint is a certain account has been " re aged '' on my credit profile with Equifax. The uploaded filed below will show detailed information of my findings. In report confirmation # XXXX labeled XXXX it shows the date of first delinquency as XXXX. On XXXX/XXXX/XXXX the file was deleted from my credit report Equifax confirmation # XXXX labeled XXXX. On the file labeled XXXX, the dispute response it was reported as XXXX as the date of first delinquency. Lastly on my reason for initiating the dispute was that on XXXX/XXXX/XXXX the date of first delinquency is reported as XXXX on file labeled XXXX. After speaking with a supervisor at Equifax I was told to call XXXX where a person named XXXX, who 's identity can only be verified to me as the only XXXX in the recovery department rudely explained my date of first delinquency that he can see is in XXXX of XXXX. I then called Equifax back who after escalating the call multiple times explained that it is okay because it will now fall off in XXXX. She was kind and later explained to file a complaint with the Federal state commission and forwarded me to your agency.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXXAmerican Express GoldDeceased Account Resolution TeamXXXXfax : XXXXphone : XXXXRe : Notification of Death - XXXX XXXX XXXXDear American Express : This letter is written to request after monthly phone calls since XX/XX/XXXX have failed to advance my request, please convert my husbands account back into his name. 

My husband died on XX/XX/XXXX, minutes before midnight, in essence XXXX. Less than 48-hours following XXXX death I was contacted by American Express and the representative asked for XXXX, his payment that month was late. 
I notified the representative of XXXX death. 
Let me be clear, I was under extreme duress and not represented by council. I was made to feel I was obligated to take over this account by XXXX-specific issues. 
I asked the representative on that day these questions? 

1 ) " Did I apply for this line of credit? I explained that I was an authorized user and I had no memory of applying for this line of credit. the representative placed me on a brief hold, when she returned to the phone she stated : " You both applied for the credit card. " 2 ) " Am I responsible for this credit card? I thought I was an authorized user only? '' The representative replied " yes. " Deceased 's Full Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX, XXXX XXXX, XXXXSocial Security Number : XXXXDate of Birth : XX/XX/XXXXAccount Number : XXXXTo be clear, I have met with Legal Council since in my opinion you are posturing in a manor which demonstrates you are impeding progress. Since inaction is your only action, I am notifying you may sue the estate of your relative or a person legally responsible to pay the debt. However, I have no obligation to pay debts I do not owe. 

Please contact me by email XXXXXXXXXXXX about any questions regarding this account. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I noticed on my credit report that the bureaus transunion and XXXX are reporting that Ive been late towards my XXXX credit card numerous times. Today XX/XX/XXXX, I spoke to a representative in the XXXX credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am paying for my online credit report thru Transunion and have so for over 2 years now. My online report should show a credit score of at least XXXX by this time.. All accounts are paid for and I have never been late on a payment. I APPLIED for credit and was rejected based on my score ... Online report that I 'm paying for shows XXXX ... They tell the person I am trying to get credit with is a XXXX. Why am I paying for this if its wrong? This is a scam..I want my score to be where it belongs.. back at XXXX..And report it that way..I am paying for something I am not getting!
Consumer complaint received 2015-07-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NJ)

I have delinquent mortgage that is being serviced by M & T Bank ( " M & T '' ). M & T placed forced insurance on the underlying property. An insurance claim was filed by me and XXXX checks sent to me with certain specific instructions from M & T as to how the insurance funds would be disbursed ( i.e., M & T wanted a proposal from a contractor, a lien waiver from the contractor, a contractor 's license as well as a signature on teh XXXX checks and an endorsement to M & T of the checks ). All documentation M & T requested was forwarded to them with the XXXX endorsed checks ( XXXX check for $ {$990.00} and aonther for approximately {$5900.00} ). Funds were expended by me for the repairs in order to protect the property ( a rof that leaked very badly and thast was causing additional dmage to the subject property ) and reliance on M & T 's representation that a " reimbursement '' would be forthcoming. After the checks were endorsed to M & T ( each check was written to both myself and M & T ) and forwarded to M & T they refused to pay the claim, notwithstanding significant documentation sent from M & T to me indicating that the insurance would be applied toward the claim if certain procedures were followed, which I did follow. 
As a second part to M & T acting in bad faith, they separately provide ( not in insurance documentation ) a letter on their letterhead ( not part of the forced insurance ) called an '' Acknowlegment of Term '' and thereafter indicated to me because I signed said document, and that because the insurance was paid by them and the loan was seriously delinquent and/or in foreclosure that " M & T could apply any and all insurance proceeds related to the subject property to the delinquent mortgage, as they saw fit. 
I indicated to M & T that I did not sign an " acknowledgment of terms '' upon which they used that fact to deny reimbursement to me for the insurance claim. Thereafter, a manager at M & T ( XXXX XXXX ) was put on the call where I informed him that the phone call, which he was recording, was going to be used for purposes of litigation, as well as several prior calls where M & Tindicated that they " did not have to pay over the endorsed insurance checks under any circumstance '', again, " since the property was in foreclosure ''. I thereafter indicated to M & T that I was filing a complaint with the CFPB and that I was an attorney and was filing a lawsuit against them and that this issue was ripe for a class action. I find it highly likely that M & T is doing that to many borrowers in default and are doing so in contravention to the documentation being sent to the consumer, XXXX various " red herring '' excuses not to pay over the claim but to apply the insurance funds toward the delinquent mortgage.
Consumer complaint received 2015-04-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I received a letter from JP Morgan Chase that they had cancelled the Lender-forced Flood Insurance coverage policy on my home effective XX/XX/XXXX, and refunded my account for the annual premium. However, on XX/XX/XXXX and again on XX/XX/XXXX CHASE assessed my Loan account a fee assessment in the amount of {$48.00}. I have spent more than XXXX hours on hold, being hung up on, emailing, and faxing CHASE trying to find out why they keep assessing this fee amount on my account. I even got a ticket number from their CSR XXXX on XX/XX/XXXX who advised the amount would be removed in XXXX. When they collected the amount from my CHASE checking account on XX/XX/XXXX, I called CHASE and spoke with the Manager XXXX XXXX who was going to investigate and call me back by XXXX on XX/XX/XXXX. When I did not receive a call back from CHASE, I called him and was told by CSR XXXX he left for the day. But she would set up a conference call with the CHASE insurance department because she found no records of them cancelling the lender-forced policy. After waiting on hold for nearly XXXX hours, she said she would try again the next day. After going round and round with XXXX, XXXX and XXXX, I liquidated my CHASE savings account and paid off the principal loan balance of {$19000.00} on XX/XX/XXXX before XXXX EDT, then I called their Home Loan CSR and asked for the account to be closed and that they accept that amount of {$19000.00} as full and final satisfaction of the loan. The CSR insisted I stilled owed for the fee assessment and interest from XXXX to XX/XX/XXXX so CHASE removed {$19000.00} from my CHASE Checking account and then posted on my loan that I stilled owed them an additional {$100.00}.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from XXXX has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over XXXX yrs from the original debtor can not be reported to the CRA 's.
Consumer complaint received 2015-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Short sale and Foreclosure conflicts - in early XXXX 2015, I spoke with XXXX XXXX or another bank individual regarding my home loan. I requested to go forward with short sale proceedings. While I was informed by the bank that the loan was in foreclosure, no action had been taken. Well, over the weekend I received a notification from XXXX XXXX. XXXX in XXXX, VA and learned that my loan was referred to their offices on XXXX XXXX, 2015 for foreclosure. The letter from the attorney also states by law I am not allowed to stay in the property unless conditions are met. It is evident Bank of America - did not cancel the foreclosure proceedings once I agreed to a short sale. 
An appraiser came to my home in early XXXX 2015 for what I thought was a part of the short sale process - now I believe it was ordered by the bank for foreclosure. Since my request to go forward with a short sale - I have had XXXX different Customer Service Relation Managers : XXXX XXXX, XXXX XXXX, and now XXXX XXXX, however, the call goes straight to voicemail. She sent me emails with information that is no longer valid ( see enclosed ). When I was finally able to log into the short sale system - she had already declined my request. Much of the documentation in the welcome package requires information regarding a realtor. It was not until last week, that I was able to obtain any interested realtors as this is not their first choice of home selling. I am requesting that I be allowed to short sale my home for financial and creditworthy purposes - that Bank of America cancel the foreclosure proceedings, and keep me constant with one Customer Relationship Manager.
Consumer complaint received 2015-07-24
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Express Recovery Services, Inc. (UT)

Express Recovery Services called asking for my wife. When I said she was unavailable they asked me if I were her husband, I told them I was, then told me who they were and never read the disclosure. When I said do n't associate me with this debt they said they could n't since she knew I was. That is when I stated I had been entrapped and disclosures regarding debt collection were never made and refused to produce evidence to the contrary. FAILURE : to follow proper disclosure requirements.
Consumer complaint received 2015-04-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I have been working with XXXX since XX/XX/XXXX to fined a workable solution for a balloon Heloc that has no repayment terms other than the Balloon payment XXXX has refused to work with me. In XX/XX/XXXX I filed a complaint to CFPB about this loan in the XXXX response XXXX stated they will review my situation in 60 days they did not. They STILL have offered zero solution other than for me to pay them XXXX immediately. In addition they do not have not a a single point of contact with me this is a violation of the CFBP settlement. For example of the last XXXX single point apoitment I have had with them my rep was only there for 1. I have had different reps call me most of whom I can not understand because of poor English skills, in addition they have made very many edited notes to my account so the substitute point of contact in unable to help me. Also-they have told me they can not help me only the investor can as they are not the bank yet the investor ( Citizens Financial ) stated that it is up to XXXX as they are the servicer and it would be '' unfair '' to their other customers to help me- in addition I have left XXXX different messages with the Ombudsman at XXXX who answered my original complaint with CFPB, she will not return my calls even though she has stated for me to call her with any questions. I need some type of solution XXXX last week told me to apply for another modification however both my self and with the help of a hud loan counsler I have applied 3 times to XXXX to be turned down I told XXXX nothing has changed so they said I will be turned down but I should apply anyway, I do not understand why they would want me to apply if im going to be turned down, its very apparent that this is a pre scripted response delivered by incompetent call reps. Obviously from the many similar complaints about XXXX to the CFBP this is pattern of unethical behavior. I want a solution Immediately XXXX agreed to help home owners in the settlement with my CFBP I demand that they comply.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I accepted a trial offer for additional internet exposure for my XXXX from XXXX. I agreed to a XXXX time fee of {$90.00}, On XX/XX/XXXX a company calling themselves XXXX billed my credit card {$220.00}. I had no idea what XXXX was nor any idea what product or service they provided so I disputed the charge with Capital One and requested that all my Capital One accounts be immediately closed. Subsequently, Capital One denied my dispute claim and rebilled my account despite overwhelming evidence that the charge is fraudulent and that no value, product or service was ever delivered. There is significant information available which has been provided to Capital One outlining dozens of complaints regarding RealEstateAgent.com and the misleading and deceptive practices they employ to steal money from unsuspecting consumers. Please see : XXXX and XXXX Both these websites contain information about the fraudulent, misleading and deceptive practices employed by XXXX. The pattern continues see : XXXX. Apparently, this vendor does business under a variety of titles - XXXX, XXXX and XXXX. Capital One has proven themselves to be complicit in perpetrating this fraud by favoring their vendors over their cardholders and consumers. I did authorize the initial charge but did not at any time authorize any additional charges and was assured by their agent that there would never be any additional charges.
Consumer complaint received 2015-04-23
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (NC)

got a piece of property in NC in XX/XX/XXXX, I been trying to tell everyone sense XX/XX/XXXX this was fraud, but no one did anything about it, this supposed to be a VA loan, then we have XXXX XXXX XXXX, XXXX, XXXX, XXXX the XXXX. coming after us are XXXX XXXX XXXX located in XXXX NC, and Trustees of XXXX, this was never a loan but a refinance, i cough up with the scam in XX/XX/XXXX, we were never late in our payments with XXXX, but XXXX decided after been told to look into paperwork to foreclose on us, I never got to discovery or been to real court all our motions been denied they are trying to steal peoples homes in special XXXX XXXX XXXX wich is connected with XXXX XXXX. can someone look into this is thousands of illigal foreclosures done by this companies happening in my county XXXX NC.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX I filed a dispute with XXXX concerning a collection account on my credit by Midland Credit MGMT Inc. that states i owe {$1200.00}. On XXXX XXXX I was denied credit because the dispute was still being reported over 3 months later. I spoke with a supervisor at XXXX on XXXX XXXX They resubmitted my dispute and had no reason they could tell me why this dispute was still being reported. So, they filed a new one. The XXXX dispute confirmation number is XXXX. This is their reply to me. 
The results are : This creditor has verified to OUR company that the balance is being reported correctly. Historical account information was deleted from this account. Charge off amount {$0.00} How can XXXX say it is proven to them i owe this amount almost 6 months after first filing a dispute? If there is no historical info how was it proven to them? Why was I denied credit because of a dispute left on XXXX almost 4 months after filing it. This was a XXXX credit card originally with a credit limit of {$500.00}. I was working with XXXX, making payments. This collection agency has made up an amount, left it on my credit report and XXXX wont listen to a thing I say. Their own letter telling me it 's resolved makes no sense. These people are horrible to deal with. hard to understand with thick accents. Please help me. I have gotten no where with XXXX. They wont listen to reason
Consumer complaint received 2015-07-17
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (CA)

I was a student at XXXX XXXX during the summer of 2012, I completed the XXXX program but was denied my diploma because I owed fees, I paid a total of {$300.00} of fees in order to receive my diploma but still have n't received it. I was told until I pay off all the loans from private loaners such as XXXX XXXX XXXX & Navient Department of Education Loan Servicing, in total the amount that will have to be paid is over XXXX dollars. Since graduating XXXX XXXX I was unable to find a job so I decided to join the military to help pay off these loans. I have not received any letter stating why I 'm being charged This amount of money, even though I have n't found a job because I do not have any certificate stating that I have completed the courses that prove I am certified to work as a XXXX.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

XX/XX/2015, I purchased sectional sofa at Macy 's and, in conjuction, was offered to pay via credit card with 24 month interest free period. I agreed but it took several weeks to receive a statement and during that period, was not able to make a payment online, nor was I able to view my account summary. The Macy 's credit card website state it was undergoing construction and therefore, unavailable. After finally receiving access to the website, I made my 1st payment. 

Then XX/XX/2015, I visited my local Macy 's store where I purchased several goods. The salesperson encouraged me to use my Macy 's card so I obliged. Today, I was able to review my online statement and was dismayed to learn that I 've been charged interest on the purchase these goods. Even more frustrating is that I have tried to contact the Macy 's credit card department through their online contact application but continue to receive an error message. After failing to submit my inquiry online, I tried calling the phone number listed on my account webpage. Unfortunately, I was also unable to reach a real live person. After spending 20 minutes stuck in the phone tree going from automated message to automated message, I have finally given up and hope that perhaps you will be able to help me work with Macy 's. It has become apparent that I 'm in the process of becoming victimized by deceptive practices and predatory lending. Even worse, I 'm now unable to reach someone that may be able to help rectify the situation.