davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NM)

I was sent a credit card in the mail by Synchrony Bank in XXXX Fla. in XX/XX/2017. I have no account with this bank, have never applied or asked for this card. This account was opened without my agreement, knowledge or permission. This account has been established fraudulently and I am concerned about how this affects me. I want this account closed immediately.
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (VA)

I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.
Consumer complaint received 2016-11-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I went to our Chase branch at XXXX XXXX XXXX, XXXX XXXX NY to speak to business banker XXXX XXXX to open a business credit card ( Chase Ink+ ) on XXXX XXXX, 2016. XXXX informed us that we were preapproved for the card, and we submitted a written application with XXXX for the credit card with XXXX XXXX ( see " my information '' for uncensored name ) as the applicant. Over the next 3+ weeks we kept on following up with the banker, and was repeatedly told that application was still pending. Finally, we called Chase ourselves, and we were told that no application has ever been received for XXXX XXXX for the Chase Ink+ card. We contacted Chase for an explanation, but they refused to give us an explanation as to why the application was not submitted, or why we were n't told. We wasted tremendous amount of time and effort on this issue and we still do not know why this happened.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (IL)

Penn Credit agreed to remove a collection account from my credit report. Penn Credit removed the account from my XXXX XXXX report, but did not remove it from my XXXX report. I have tried to contact Penn Credit multiple times, but have received no communication.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ERC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-11-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (AL)

I filed a complaint with BBVA Compass bank regarding XXXX charges from XXXX for {$1500.00} and XXXX for {$360.00}. The disputes were denied. I provided 3 second opinion letters. Each letter were from business that I have a close relationship with and had done business with in the past. It is hard to obtain a second opinion letter from a merchant who as no know of your character or person. XXXX XXXX is a small town shop and their letter was not considered good enough because it wasnt on letterhead paper. BBVA Compass had not clear reason for denying my claim besides the small company did n't provide me with fancy letter head. 
All three second opinion letters advised that the vehicle in question was falsely advertised. My credit card information was given to the consumer by an unauthorized third party. The vehicle and repairs in questions were not warranted because the vehicle was not repairable and has several electrical problems. My credit card should have been deactivated and issued a new one and I should have been refunded. I have not been allowed the ability to appeal the decision. I have lost {$1800.00}, due to the mishandling of my dispute.
Consumer complaint received 2016-07-08
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP (OH)

Since my last complaint on XXXX/XXXX/2016 nothing has changed with US Bank. I was informed by my case manager XXXX XXXX that my file is STILL under review and it 's been well over XXXXXXXX months now or longer. I was told by several realtors which they underwent an advance search on my home that it 's being reconstructed my loan? I need ANSWERS now so I can move forward with this. I ca n't sell my home due to the foundation being severely cracked & the home is shifting nor will the XXXX pass due to this nor can I live here under these circumstances. Back in XXXX my home was appraised for $ XXXX? how is that possible with all these issues. I had many offers of $ XXXX to purchase this home however, according to my caseworker, they WILL NOT ACCEPT any offers less that $ XXXX. question is this, the home right next door to us which US Bank owned sold for $ XXXX last year so what is the problem with ours. it is no fault of ours that the house has all these issues. no one is willing to hear us out. I 've tried to contact my *New Case-manager* XXXX XXXX XXXX XXXX XXXX/XXXX/2016 all day I received a vm which was full. I talked with CSR *XXXX and no one had a clue what was going on only to be hung up on by XXXX, and XXXX were very nasty XXXX we did find a beautiful home that was perfect for us and we were pre-approved however, we ca n't have XXXX FHA loans. This house is not suited for us any longer, it 's WAY TO SMALL, AND, the issues have not gone away. WE NEED OUT. we need our names taken off the DEED so we can move forward and live a normal life and be happy in our new home! I regret having US Bank as our lender due to an abundance of negative feedback & I refuse to have this house refinanced bc it 's NOT WORTH IT! we ca n't walk away from this home or it will ruin our credit. we ca n't do a short sell or it will ruin our credit. we ca n't auction this home off or it will ruin our credit ... As you see in the photos, we LOST everything in the flood back in XXXX as a person with a heart of gold, I would n't want my worse enemy to go through what we did that night. it was a nightmare to see all of our belongings get ruined due to this flood. I hope this makes sense. I NEED ANSWERS ASAP. NOT 2 MONTHS FROM NOW, NOT 6 MONTHS FROM NOW. this file has been under review entirely to long
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

About 2.5 years ago we could not afford our mortgage payment. We requested a modification. They asked for a mountain of information and we provided it all. 2.5 years later we have not made a payment and they have not foreclosed. We are in fear any day we could be kicked out. We need a resolution. Either they foreclose or restructure our loan. My name is XXXX The lender is Select Portfolio Servicing. Our loan number is XXXX Their phone number is XXXX We
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (DC)

Earlier this month I refinanced a home mortgage. The servicing of that loan was immediately transferred. This evening I received a pre-recorded phone call on my home land line that purported to be from my new mortgage servicer. The message used my name and my spouse 's name. It asked that the recipient press a number if he was one of those people. I followed the prompt. I was then asked to key in my zip code. It struck me as suspicious that a message from a bank would ask for any personally identifying information, so I did not provide my zip code. I remained on the line to hear any additional information or find out if I could speak to a live representative. I was then given the option of " taking a message, '' which I selected. The message instructed me to call a toll-free number by XXXX XXXX and to give a " personal message code, '' but did not state why. I hung up and called my bank directly for more information. My bank 's fraud department did not recognize the number that called me or the phone number I was instructed to call.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OH)

I ordered specific services from XXXX they swore I had them and for the next 5 weeks ( approx XXXX. All the back and forth was by phone or net chats. They say they record these calls but I doubt it. The most specific was XXXX XXXX Ohio ( XXXX XXXX games. They said I 'd have it on XXXX. My converter was not capable of receiving XXXX digit channels. I paid that bill and other overcharges. Then I fired them. They never provided the services ( XXXX other ) channels. They commited fraud and misrepresentation. I 'm not paying for something I will never receive. They turn it over to some collection co. names DCI. I sent them XXXX pages of proof on my part but they turned it into the Credit Bureau anyway. I 'm on Social Security and VA XXXX and just turned XXXX and I ca n't be wasting the last years of my life fighting these lying theives. XXXX XXXX is what I call them. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Someone tried to obtain a Capital One Credit Card in my name on XXXX XXXX, 2016. A hard inquiry was made with XXXX Credit Reporting Company. I have contacted XXXX, Capital One/Sacs Fifth Avenue, and Capital One and was told the information, when compared to my personal information was fraudulent. I was also told, the hard copy inquiry would be removed from my personal XXXX credit report but has not been removed as of today, XXXX XXXX, 2016. I want it removed as indicated and promised by credit company.
Consumer complaint received 2016-08-31
Product: Other financial service — Refund anticipation check
Issue: Fraud or scam — 
Company: Northeast Collection Bureau (VA)

A scheme attempted to obtain money by false pretense. The scheme blackmailed a consumer through the consumer financial protection bureau website on XXXX XXXX, 2016 at XXXX XXXX. That is apparent money laundering scheme. The scheme claimed that there was no call placed. The FTC Do Not Call Registry affidavit or transcript must be transparent. The consumer already got confirmation by the FTC., which would help deter time wasting and resource embezzlement that would harm the liaison and the cfpb examination process which in the long run would result in conflict of interest and procurement fraud. Someone got away with identity theft and bilking. It implies that XXXX is at harm in bogus tax refund.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

I am disputing XXXX, XXXX, and XXXX concerning lateness on mortgage payments. 
I do not have any idea on a loan I had with XXXX so more information from them is needed. 
XXXX became insolvent and was purchased by XXXX. My original loan paperwork stated that there could be no changed to the original document without my permission. XXXX unilaterally implemented escrow for taxes on top of my principal increasing the total amount by XXXX %. I disputed their authority to do this and continued to pay the originally agreed on principal shown on the mortgage. Several time XXXX returned my personal checks stating they could not accept personal checks. After a while I had my bank issue the payments since XXXX would not record receipt of my checks. For several months they continued to refuse accepting payments from my bank. I had to retain counsel to settle their claims but they did not notify the credit agencies to remove the negative comments they had submitted. One would think that XXXX would not have wanted my account if I were such a bad credit risk but they did BUT they " forgave the debt '' i.e. the months they did not accept premium payments and rewrote a new agreement including the " forgiven debt '' into the new agreement. Watch out when XXXX " forgives the debt '' because they notify the IRS and the IRS considers that as income which you will be taxed on. It cost me about {$30000.00} in legal fees to dispute XXXX plus the law firm I used did not advise me that there would be a tax consequence if a debt is forgiven. If I would have known that then I would have told my law firm to negotiate a better deal. Their forgiving the debt cost me another {$10000.00} due to the IRS so overall it cost me {$40000.00} because XXXX did n't honor the original loan documents.
Consumer complaint received 2016-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (UT)

XXXX is the original creditor. Diversified Consultants, INC. has contacted me during the 30 day dispute time frame. I have two consumer reports showing the exact same date. I have disputed the alleged account with each bureau. The XXXX is reporting and earlier date XXXX. The open date reports XXXX. the investigation notes say the alleged account is with in the fcra guidelines. I spoke with XXXX briefly. they said the information on the debt is valid. I want you to know I have applied for a home loan. and its accounts like this that 's keeping me from that home loan. please help.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (KY)

on XX/XX/2016 I reach a settlement with Credence Resource Management LLC . On the same day I sent a certified check for the agreed amount of {$900.00}. On XX/XX/2016 the certified letter containing the check was sign for by their employee. On XX/XX/XXXX, they claimed they employee did not work their and to send and additional {$900.00} dollars. I refused stop payment on check at my bank. Since then I have received numerous phones calls. I feel they should honor their settlement offer.
Consumer complaint received 2017-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (WA)

I purchased a home a little over a year ago for XXXX and have paid it down to {$41000.00} balance during that time. I requested to have my PMI dropped and i received a letter stating that my current LTV is XXXX percent. And it outlines a series of costly measures that i need to take including an appraisal which costs around XXXX done exclusively by XXXX of their service providers. I got an appraisal to purchase the home just a year ago that surely should suffice. I spoke to someone at Caliber on XXXX/XXXX/17 and although she was pleasant, the only thing she did was quote policy. I told her that the federal guidelines state that at XXXX percent LTV that the PMI must be dropped. I know that they need to protect their investments but mine is not an everyday situation and it think that common sense should at least sometimes outweigh policy.
Consumer complaint received 2017-01-30
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

Received several phone calls at home around XXXX-XXXX. Upon answering, the caller just hangs up. This morning, I called the number shown on Caller ID ( XXXX, no area code ), and a woman named XXXX ( refused last name ) said she was from American Medical Collection Agency and was calling due to an outstanding bill for my husband ( XXXX ) from XXXX XXXX on XX/XX/XXXX. She wanted a payment today, and I said we have full insurance coverage and this should have been paid by insurance. She said it was not, and she said this will " hit '' his credit if it was not paid today. I said I have never received any written notice of this debt, and she said if I would provide my email, she would email the notice. I said since I do not know who you are, I am not providing an email to you and you need to send written notice of this debt to my mailing address - of which she had. She again said that this would " hit '' his credit report if I did not agree to payment arrangements today. I said send it to me in writing, and I will send it to my insurance company for review. I also told her about the timing of the calls, as well that they were just hang-ups without any person on the line, and she said she would notify her company. I informed her to cease and desist with all calls before XXXX my time. When I requested her company information, she provided the following : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (TX)

In the collectors first communication they did not include the statement of the right to dispute the debt within 30 days. The collector reported the debt as valid to the credit bureau before the expiration of 30 days. They continued to report the debt as valid and undisputed to the credit bureau after I disputed the debt and requested validation of the thereof.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (TX)

On Friday XXXX XXXX, 2016 I was notified by my credit monitoring service that a new collection, in the amount of {$670.00} from Midwest Recovery Services LLC via XXXX XXXX XXXX was applied to my credit reports. 

Having not incurred the alleged debt, I did some research and it appears that MRC buys outdated, often incorrect zombie debt and haphazardly applies it to individuals credit reporting agencies, which is a clear violation of Fair Debt Collection Practice Act as in my case they never even allowed me my right to dispute the collection within 30 days. 

Under the FDCPA the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. 

That Midwest Recovery System can be so reckless and cavalier with their debt buying and collection practices is nothing short of terrifying. Innocent individuals, like myself, are constantly being put through extreme stress and the onus is on US to clear our names from their egregious practices.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Navient has made it impossible for me to lower my monthly payment. It 's XXXX dollars a month and when I have called them, almost 10 times about some kind of plan I can get into, they say with the type of loan I have, income-based repayment is not an option. They informed me if I was struggling financially, I should take a forbearance period until I can make more money to afford the monthly payment. Also while collectimg interest on the loan. I have looked into what my payments are going to, and all of it has went into interest, almost XXXX dollars worth every month just for interest!!! SCHOOL : The XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

I have a consolidation loan with PHEAA who conducts its student loan servicing operations for federally-owned loans as FedLoan Servicing. I am a federal employee and have been paying my student loans under the XXXX XXXX XXXX XXXX program for almost 10 years now. PHEAA does n't show on my loan status most of my payments toward XXXX. I should have more credited payments than they are showing.
Consumer complaint received 2017-05-20
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)

I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX , Transunion, and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am atta ching two copies of their responses to this complaint along with yet ANOTHER police report and notarized letter disputing the inquiries.    They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.