davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I am contesting the account with XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$910.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 184 % usage. I need Experian and XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX anything since the account was opened and used without my consent and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last  Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I am filing a complaint against JP Morgan Chase in reference to my online XXXX XXXX XXXX transaction # XXXX processed through Chase.com in the amount of {$520.00} on SundayXX/XX/2017. The amount was debited from my chase checking account but was n't credited to the XXXX XXXX XXXX account for which was to be sent by mobile number ( XXXX ) XXXX. The funds were never received by the orher party. After I completed all the required information needed to send the funds, the receiving party received a text message from her banking institution, XXXX XXXX XXXX, confirming that the fund were being sent to her account with the confirmation # XXXX, however the money was n't credited to any of her accounts. Both the other party and myself has reached out to both Chase and XXXX XXXX XXXX to attempt to recover the funds and have had no success and have only been given a run around. I have already filed a claim with Chase to trace the the funds ( claim # XXXX ). That claim has been denied because Chase has determined that the funds have been credited to A XXXX XXXX XXXX ACCOUNT eventhough I 've made it clear that it was n't any of the accounts of the correct receiving party. After a visit to a branch and multiple calls to the claims department pleading my case finally, Chase made a courtesy recovery attempt to recover these funds. I was advised that although Chase was able to determine the account holder that incorrectly received the funds they are not able to recover those funds from XXXX XXXX XXXX. No reason was provided to me as to why XXXX XXXX XXXX will not comply with the claim filed by Chase. I do not feel it is appropriate for me to be out of a significant sum of money due to some data entry or accounting error on the part of either Chase or XXXX XXXX XXXX. My instructions on who to pay was correct as XXXX XXXX XXXX confirmed they identified the correct payee based on the telephone number I provided when processing the transaction. I ask, as a long time customer, that Chase return my funds as soon as possible and continue to work to resolve this issue with XXXX XXXX XXXX.I 've even made it clear to Chase that I 'm willing to fight this battle on my own if they would release the info needed for me to go against the incorrectly credited party.
Consumer complaint received 2017-08-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX I entered into a contract to purchase a pre-construction home, The builder had requested proof of my ability to purchase the home and had their own XXXX XXXX provide XXXX XXXX for the 1- unit building where my townhouse is part of the units there. I early XXXX the builder contacted me to provide permanent financing, I was directed to a mortgage broker and they provided a mortgage through a XXXX XXXX XXXX XXXX XXXX, at closing the true lender was not disclosed and it was table funded by XXXX XXXX XXXX. At that original closing with XXXX XXXX XXXX the closing agent and the Mortgage Broker asked that they make copies off all the documents and I would be provided copies at a later date. The later date came and passed and I never received any of my closing document including the TILA and RESPA document regarding my options to cancel the mortgage. I had made numerous attempts over the next several years to obtain any of m, y documents and finally received a portion from XXXX in XXXX and fromXXXX in XXXX. After making the first years payment all on time I received a new type Payment coupon fromXXXX homes with a multi payment option AKA " XXXX XXXX XXXX ''. After making my payments for the first year to XXXX I file a rescission demand letter via US Certified mail to Both XXXX and after received only verbal response from XXXX they directing me to contact XXXX  I sent two Rescission Letter to them also. none of these entities ever filed an law suit to cancel the rescission letters. I only received one letter about two month later fro XXXX XXXX XXXX that they were not honoring my request. I tried to sue them for fraud since the entire country at that time had been raising issues about the Mortgage industry and their actions that crashed the entire financial markets. In early XXXX I was told able a similar case to mine involving the same company XXXX XXXX XXXX that the US Supreme Court ruled that Rescission was effective upon mailing. I also found the same facts in that case were very consistent to my matter. I 'm representing my self in this matter and would like to have some help and assistance from you Bureau. I 'm a senior citizen and have been XXXX for more that 8 years. Respectfully, XXXX XXXX XXXX. E-mail XXXXXXXXXXXX contact number ( XXXX ) XXXX
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

Had a XXXX account in college, around XXXX, it went to collections on/around XXXX. I had an original debt collector reach out to me in that same time frame. It was removed from my credit report in XXXX/XXXX. Now, I see I have a collection from Convergent Resources , INC . I have reached out to the company that controls the debt, Convergent Resources, INC, regarding a ten year old cell phone debt. I disputed this account with XXXX ( Case # XXXX ) in XXXX of XXXX, and in XXXX it was Removed from my XXXX report for accuracy and statue of limitations, but still shows on my XXXX Report. I called Convergent in XXXX/XXXX to inform them of this, the gentleman I spoke to says it shows that I disputed the account but he could n't do anymore. I informed him that I had disputed with XXXX and gotten it removed, he said he annotate that in my file, but that he could not remove it from my record. I told him I would submit a complaint to the BBB if no further action was taken, but I hoped because I had it taken care of easily with XXXX that it would be a quick fix. As of XXXX XXXX, the debt still shows on my XXXX CR.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UMPQUA HOLDINGS CORPORATION (WA)

On XX/XX/XXXX, a check was deposited that made my business checking account go negative. On XX/XX/XXXX, I used my business checking debit card several times, but that evening I signed into my account around XXXX XXXX and transferred enough money to make the account positive ( covering both the check and the additional charges ) according to the balance shown on my screen. However, Umpqua Bank believes that I signed in on XX/XX/XXXX at XXXX in the XXXX, meaning the charges from XX/XX/XXXX were all subject to overdraft fees. I did not sign it at XXXX in the XXXX, as I was sleeping ( and have witnesses who can confirm ). In addition, I also would have transferred sufficient funds to cover my overdraft fees if I had seen those on my account, since when I signed in, I transferred the amount the bank was showing me, and thought my account was brought current. The next day, on XX/XX/XXXX, I used my business checking debit card again, and knowing my balance was very low and it was likely relying on overdraft protection, I again signed in later in the day and transferred an amount sufficient to bring my account current ( or so I thought ). No overdraft fees were shown from the use of my debit card. It was not until XX/XX/XXXX that I signed in and saw the overdraft fees listed for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These additional fees meant that according to the bank, my account was in the negative for days that I thought it was positive, and each instance of my use of my card during those times accrued another overdraft fee which did not show on my account for several days. If I had received an accurate account balance and if the bank had showed my overdraft fees at any time when I was signing in on XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX, I would have transferred enough money to bring the negative balance positive and avoided all of the additional charges. I contacted the Downtown XXXX XXXX of Umpqua Bank on XX/XX/XXXX and spoke to XXXX XXXX, who said that Umpqua Bank is not responsible for showing an accurate account balance via their online banking portal and that the bank would do nothing further nor refund these charges.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

Please see attached -- LETTER TO CFPB PROBLEM : My escrow amount increased significantly in XXXX and again in XXXX which has caused my mortgage payment to increase {$150.00} a month. When the mortgage company ( Caliber ) was contacted, no one could get to the bottom of why it increased. They would say it was due to an increase in my homeowners insurance and/or county taxes. When I called to confirm both, the Homeowners Insurance Company and XXXX XXXX XXXX stated very minimal increases ( nothing over {$20.00} ), if any. Caliber was taking the annual amount out of my escrow to pay for my Homeowners association dues. They took the annual payment out in XXXX ( approximately {$800.00} ) and have yet to send the payment to XXXX ( the management company for my Homeowners association ) for payment. I also received a letter from Caliber Home Loans in XXXX, stating that they would no longer pay my homeowners association dues and then a letter in XXXX stating that Caliber sold my loan to a new mortgage company ( XXXX ). 1. The money that was taken out in XXXX is sitting in my escrow and they never sent the payment. This has caused me to accrue late fees with my HOA ( Homeowners Association ). To date, this payment has not been sent to the property management company for my HOA. 2. My escrow amount should not be this high and the increase not noted and given to me in detail in writing. The only correspondence I received was my mortgage coupon and a letter stating that there will be an increase in my mortgage due to my escrow account. My increase went from {$370.00} to {$470.00}, which is a {$97.00} increase multiply that by 12 months and that is {$1100.00} a year! 3. Since they will no longer pay my HOA fees, my escrow contribution should decrease.
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

I am writing this complaint because of a problem I am having with XXXX banks that are involved in a short sale transaction. I am currently working on other alternatives to foreclosure so I would like to short sale my home. I would like to short sale my home because I do n't want my home to go into foreclosure. I have been trying to short sale my home for 10 months. The XXXX mortgage is Chase and the XXXX mortgage is XXXX. I have lost XXXX buyers on my home because Chase and XXXX have been very difficult in coming to terms with the sale of my home. Chase offered me an approval in XXXX of {$75000.00} dollars. I had a buyer that was interested in purchasing the home. Once it was time to go to settlement, it was discovered that XXXX had a XXXX lien against my home. The buyer walked due to the time it took to receive an approval. I located another buyer in XXXX and this is the third buyer. Chase stated that they needed to provide another approval. Chase offered an approval of {$160000.00}!!!! Chase is stating that the value of my home went from {$75000.00} to {$160000.00} within 3 months. XXXX then provided an approval of {>= $1,000,000}. Please keep in mind that the home is only valued at {$75000.00}. The home is in need of major repairs in the interior of the property. The negotiator was able to get XXXX to agree to a lower amount to close the deal and then Chase came back with a higher amount. I am writing this complaint because I want the cfpb to know that the banks are still making it difficult for homeowners to reach other alternatives to foreclosure. I would like Chase is being very uncooperative and I do n't know how this will benefit the banks. This has taken a toll on me and my husbands marriage. We have separated and our family has been separated due to this situation. We have tried to modify our home mortgage and XXXX would not work with us at all. I would just like for the cfpb to help me with this transaction. I want to sell my home so that I can walk away knowing that the title has been forwarded to a new owner. I do n't want to experience a deficiency and I want to start my life over with some self respect.
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

First of all I would like to make it clear who I am, although I doubt very highly Google does not know who I am but my information : XXXX XXXX XXXXXXXXXXXX ( Google Billed this email to the bank alone XXXX flagged account without contacting me 16 times. Google stated that I did not tell them in the time allowed, blamed my family, the bank, XXXX XXXX and now I am providing the person that was linked and logged into my XXXX device ( that is a google owned XXXX operating system ) as administrator. That I had to figure out myself. I have asked repeatedly what the number was that was logged into the phone because it just said XXXX. Nobody would tell me. This person on his XXXX page worked or works for google as a driver and is able to bill through the google system. Since he was logged in as administrator and I have no clue who he is it proves he is apparently tech savvy enough to be able to do that and google is assisting him. If not why would google repeatedly side step the complaint to close it. why would all google wallet charges be deleted that I have copies of from the original date I found out. I want google to help me and protect my information yet for the last three years repeatedly i have numerous log ins from places I am not. Please answer why this person is on my account. There is no possibility of Google not knowing they have actually stated OH there is a duplicate account to say oops made a mistake it didnt happen sure it was n't your family. Google stated they refunded all monies well half was refunded does that mean on top of the entire total he got an extra XXXX or was it not refunded. I was also asked for a case id given by google I will provide that but im not sure which one. would that be the case Id in XX/XX/2014 when I found out and notified google or would that be the final email sent three days ago that I still have n't had a response on. Try these if you would like others go to the 6 other complaints with CFPB that have full documentation to prove what was done by Google to assist this man in destroying my life!

Also if Google would of looked at the attachment, the compromised email is listed before the fraudulent account number. I guess it was n't important enough for them to look! There should be no problem figuring it out now! RE : [ XXXX ] RE : [ XXXX ]
Consumer complaint received 2017-08-17
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. (NJ)

I have explained numerous times that this BK reporting on only Experian for the last 6 plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a 3rd party source because BK Courts do not give this information out because of consumer privacy laws. I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas. BK Status : Dismissed Date Filed/Reported : XXXX.XXXX/XXXX this shows on my credit report Reference number : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : {$0.00} Court : US BKPT CT TN XXXX
Consumer complaint received 2017-08-17
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: SUNTRUST BANKS, INC. (GA)

I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; Sun Trust Bank : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (ME)

When Lowes posts payments to your statement they take the payment and prorate it over all your different ongoing accounts that have different due dates IE 6 months 12 months etc. By doing this your oldest due date may never get paid off completely, and you get charged the interest. I really thought this was declared illegal along time ago, and NONE of my other cards do this. Even some from the same bank as lowes. XXXX XXXX XXXX
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I am a XXXX XXXX working with a client. I have beenb unable to resolve my issues with Loancare, despite numerous efforts. The client was approved for a trial loan modification with XXXX XXXX with instructions to make trial payments in XXXX XXXX. If the client maintained the trial payments, permanent modification documents would be sent out after the XXXX XXXX payment was received. The client made the XXXX XXXX payment but was informed in XXXX XXXX that the loan was sold to Loancare. The client began making payments to Loancare once he received updated payment instructions from Loancare. The client has been making payments on this trial payment ever since, but has yet to receive any permanent documents. At this time, the client made 2 payments to XXXX XXXX before the loan was sold and 4 payments to Loancare. I have tried reaching out to the single point of contact assigned by Loancare. He is never available and only returns voicemails if I escalate the case to a supervisor. When he does return the voicemail he tells me that he is escalating the case to underwriting and that I should check back in 24 hours and he will have the situation resolved. However, when I try to reach him 24 hours later, he is unavailable and does not respond. This " escalation process '' has occurred twice now. I have also tried speaking with a supervisor about this case but am repeatedly sent to voicemails. When I ask to speak to a supervisor who is available, I am told that the agents have no way of seeing who is available before they transfer the call. In the meantime, the loan is still listed as being in foreclosure status even though the client has fulfilled his obligations under the trial modification agreement. I also believe Loancare is continuing to charge late fees while they refuse to process the modification.
In addition to the specific mishandling of this loan modification, Loancare 's phone system is also incredibly difficult to navigate. I finally found the direct number for loss mitigation, as they are the only department with any authority to answer my questions ( per a customer service representative ) however, even when I call the loss mitigation department, my call is always rerouted to customer service or collections. The representative then tells me that since there is an overflow at loss mitigation they can not transfer my call back to loss mitigation but they also can not answer my questions.