davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (PA)

On XXXX/XXXX/16 I decided to take advantage of an offer I received from Chase Slate, using a balance transfer check to pay for an emergency home repair. I carefully read the terms outlined in the letter for the process of using a Chase Slate check as payment to the provider of services. First, the check must post to my account by XXXX/XXXX/2016 ; the date was XXXX/XXXX/2016, so I saw no problem with this. Second, the balance transfer check written can not exceed {$15000.00} ; the amount of the check was for less than that and did not exceed my available credit. And third, only a check issued by Chase Slate is valid, a copy or reproduction of the original check will not be honored. I was good to go ; upon completion of their work on XXXX/XXXX/16, I wrote them a check, using a Chase Slate balance transfer check. On XXXX/XXXX/16, I received a call from the local company who did my home repair. He said my check bounced and he also incurred bank fees.I told him to redeposit the check ; I would call Chase and get it straightened out. I obtained a copy of the returned check from our local bank and contacted Chase. After speaking with XXXX different customer service reps, they all told me the check had never hit my account on their end. Well it had to because it was returned. They took the pertinent info so it would not happen again, since it was redeposited. On XXXX/XXXX/16 I received another phone call from local company saying my check bounced again and there were additional bank fees. At this point I turned to family to secure the funds needed ; I was humiliated enough at this point. I called Chase again, speaking with XXXX more reps. They claimed the check still had n't hit my account on their end. Really?? Then where is it going? This time the reps verified that the check I used was not bogus. Everything matched up, so she assured me it was legitimate. She also suggest I write a complaint to Chase about the situation and gave me the address for correspondence. On XXXX/XXXX/16 I sent my complaint to Chase. I noted that I needed to hear from them within 2 weeks of the date on the letter or I would file an official complaint ; I included my cell number. I sent that letter 16 days ago and have had no contact from Chase regarding my complaint. I did however receive an email survey pertaining to my phone calls. Other than that ... nothing.
Consumer complaint received 2016-08-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (TX)

XX/XX/XXXX, I submitted a letter to close my account with Ally Bank. XX/XX/XXXX, having not yet received a check, I called to understand status on XXXX XXXX, 2016. They said they mailed the check and would need to reissue a new check. Given the amount ( over {$190000.00} ), I asked them to expedite whatever paperwork was necessary. On XXXX XXXX, I had still not received any paperwork, so again called. They said they had not done anything as a result of my original request, but would send paperwork via email. Since I was traveling, I did not have access to a printer and the paperwork " expired '' after 8 hours. The access to the paperwork was laborious at best as it was sent through a secured site. On XXXX XXXX, I called Ally Bank again ( spend another 30 minutes on the phone ) and they again indicated they would send out paperwork which would need to be notarized. They also indicated they had not yet cancelled the check. A few questions : 1 ) Why did they not immediately cancel the check on XXXX XXXX when I originally notifified them the check had been lost? 
2 ) Why did they not send out the paperwork after the XXXX XXXX call? 
3 ) Why does the paperwork expire after 8 hours so the consumer can not get access to their funds. Since I was traveling, this delayed me yet another 2 weeks? 
4 ) Why does the paperwork have to be notarized and why does it have to be sent through a secured site. On XXXX XXXX, the check had not been cashed, so I do not understand why this level of difficulty in getting access to my funds. 
5 ) Are they making the process inordinately difficult in order to keep my funds, in hopes XXXX XXXX not be relentless enough to spend hours on the phone, find a notary, decode a difficult and confusing software to access the paperwork and hope that they expedite my check and actually deliver it this time. 
I work in financial services, and take the CFPB very seriously. I have never made a complaint, but this situation has been so aggregious and so consumer unfriendly, I thought it important to bring it to your attention. I would appreciate any help you can give me to expedite this matter to a close for me and as importantly to provide Ally guidance on how to treat consumers in the future.
Consumer complaint received 2015-06-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NY)

i made acheck payable to gm financial using my personal checking acount some XXXX alter the check the check was supost to be for XXXX the made the XXXX look like a XXXX there my acount was debited XXXX dollars gm financial is stating they havent received the payment i contacted XXXX XXXX wich is my bank they saying that the check was cashed i went multiple times to the branch with no help they saying investigating but gm is charging me all kinds of late fees the last thing that XXXX XXXX did was correct the amount but a month later gm still calling me about the miss payment
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A letter written by XXXX XXXX, the creditor, dated XX/XX/XXXX, was sent to all credit reporting agencies advising them to change our credit history for them from " negative '' to " positive! '' Yet, my XX/XX/XXXX Credit Report by TransUnion is still reporting the account as " negative! '' No other credit reporting agency is reporting XXXX XXXX negatively ; they corrected the status in XXXX, as stated in the letter from XXXX XXXX! 

I went online to dispute this erroneous information XXXX XXXX and XX/XX/XXXX ; I sent the support documents XX/XX/XXXX XXXX XXXX Mail via " Certificate of Mailing. '' I called TransUnion today, XX/XX/XXXX, and spoke with XXXX initially, then I spoke with her supervisor, XXXX. He admitted receiving and looking at the support documents I submitted, yet he refused to change the status from " negative '' to " positive '' per the creditor 's instructions in the letter! The other XXXX credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX had this information changed in XX/XX/XXXX
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

I received an email from a Citibank branded Goodyear credit card saying I owe them an outstanding balance. I believe that is a fraud email since I do not have any Goodyear/Citibank branded credit card. See email paste below. 


CitiEmail XXXX EMAIL XXXX Cardmember : XXXX XXXX Account Ending In : XXXX Member Since : XXXXAlerting Service Credit Card - Minimum Payment Due AlertGoodyear Credit Account Card XXXX Balance : $ XXXX Due : $ XXXX Due Date : XXXXLast Payment Amount : $ XXXX a payment was already sent, please disregard this message. To make a payment, visit XXXX and use our Online Bill Payment service. It 's fast and easy. 

You may also use that address to modify your alerts. 

Please understand that we can not respond to individual messages through this email address. It is not secure and should not be used for credit card account related questions. 

This message is for informational purposes only. 

ABOUT THIS MESSAGEPlease do not reply to this email. For account-specific inquiries, please sign on to your online account or call Customer Service.
Consumer complaint received 2015-10-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Altisource Portfolio Solutions, S.à r.l. (TN)

Ive been called XXXX times a month or more for years by debt collectors looking for someone who doesnt exist at my number. I have given them my name and the fact im a retired veteran and how long ive had the phone number for ( over a decade ) both in a polite and angry manner, allways telling them to stop calling but they dont. I should not have to change my number since its the number the XXXX and military knows. They are harassing the wrong person calling at XXXX at night and XXXX in the morning. the last numbers were XXXX and XXXX.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MI)

I am talking to a realtor today and a car dealer. I am up for a swap in my car lease and my partner and I are looking in XX/XX/XXXX to move to XXXX household together and commencing planning. 

My relator and car dealership agent show me that Discover Student loans loan XXXX and XXXX are hitting me credit score HEAVILY. All my loans are paid early and significantly more then minimals and months in advance and have been for over a year now. 

Yet they are documenting that payments sent in together loand XXXX cleared on XXXX/XXXX/2016 yet same day sent in payment XXXX is STILL today XXXX/XXXX/2016 not processed. They do not mail invoice, balance cant view these online, nothing this is the third month in 2016 I have battled them on this. They take payment over what the payment terms are agreed to. Yet then play these games and my dealershipo and realtor told me my credit is being hit with " In the meantime, I would work with Discover to correct the information that they have on your credit report. Because they are showing as " profit and loss '', which is a term that means " uncollectible '' to a lender and weighs down your credit score in a big way, this affects what you qualify fo '' I have gone to Discover over this REPEATIVELY on the processing payments on loan XXXX and XXXX. I have gone to them on why cant I see the balance on line or in a mail bill monthly or calling your number? Why is this listed hurting my credit but for a year and a half now I have paid MORE then the requested amount and months ahead on payments? 

This is blocking me from getting into a car or looking at moving in with my partner.
Consumer complaint received 2015-08-05
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Associates Loan Servicing LLC (TN)

This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ).
Consumer complaint received 2015-11-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Financial Services (IL)

On XXXX/XXXX/2015, I went to Consumer Financial Services in an attempt to finance a vehicle. After, finding the vehicle I wanted, paying a down payment of {$500.00} and signing the contract, I waited for car to be brought around with the necessary registration. Soon after, the owner was unable to find the registration and advised his porter to drive me back to the car lot of XXXX XXXX XXXX to pick up some temporary plates. The porter drove the vehicle to the car lot and in route, the car 's engine blew up. I immediately advised that I was not interested in that car or any car from their lot, and would like my money back. The owner than informed me that he could hold my deposit until to 30 days, but would give it to me the next day. The next day came, no money, the day after and no money. Finally I contacted the police and they advised that they could do nothing, as this was civil matter, however, they would see if they could reason with the owner to give me my money back. The owner did not show up that day to speak with police or myself and kept having the ladies in the office to say he was n't there. On the 3rd day, he finally gave me a call to pick up my funds. Fast forward to XXXX XXXX, 2015, I pulled my credit report and found that Consumer Financial has put this car on my credit report even though I never received a vehicle from them and my deposit was returned. I contacted their office and they informed me that the car could not be removed from my credit until they sold it and hung up the phone. I tried calling back and once they knew it was me they would hang up.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX years old. I own XXXX homes without mortgages. I own XXXX cars without loans. I have substantial money in the bank. I have XXXX credit cards which never have a balance carried forward. The balance on the cards is paid in advance of the due date. I have XXXX years of credit history with no negative reports. TransUnion is taking my XXXX XXXX XXXX Bank credit card balance that is never carried over and is paid wel in advance of a due date to calculate my credit score. TransUnion will not explain why this is done and why it is only done on XXXX of the XXXX credit cards I use. I requested that TransUnion take my credit report and show me how they arrived at my XXXX credit score. My score goes down each month. I have had no credit inquires. My credit use is the same each month, with no balances. TransUnion has failed to provide this information. Credit scoring discriminates against senior citizens who have generations of good credit history but no longer have loans, mortgages or carry credit card balances. The credit reporting and scoring companies will not and can not explain how my personal credit score is determined and why it continues to go down. This score impacts negatively on the rates I pay for insurance. Credit scoring companies force citizens to have a credit score that impacts their financial transactions but they will not and can not take an individuals credit report and explain how the credit score is calculated or why it continues to fall when there have been no credit transactions.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. 

These XXXX collection accounts are having a negative impact on my credit history.
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened a checking account years ago and did not realize that it had a monthly fee attached. Unfortunately, I never got XXXX email or letter from the bank until almost three years later when I got a letter stating that my account was overdrawn. Since I had never used the account ( and frankly, forgot about it XXXX, I was concerned that someone had fraudulently gotten my acct. number and had drained the account. When I called customer service, they told me that I had been charged {$9.00} for the last XXXX years. If I ( or anyone for that matter ) were aware that they were being charged a monthly fee for years without ever using the account, I would have changed the type of account or closed it. When I said I had never gotten any statements or notifications, they said that I had access online and furthermore, email notifications. I had never gotten XXXX single email or letter from Citizens in all that time. They told me my email address ( and it was incorrect - off by XXXX letter ). After speaking with several customer service representatives, they best they could do was to refund two months of fees. The motto, " Good Banking ... Good Citizenship '' should be changed to " Good Banking ... Good opportunity to steal our clients ' money! ''
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Have been under economic hardship since my divorce in XXXX. I was laid off from work as well in XXXX of XXXX. I am a single mom of XXXX children living at home with me. I have since found odd end work from home jobs and currently have stable and reliable full time employment. I have experienced filings for loan modifications with XXXX XXXX XXXX ( my prior lender ) with the same issues that I now have with the new lender, Bayview Loan Servicing. With XXXX, after ALL of the trial payments were made, I was sent to a notary about XXXX times to have the same new loan modification documents signed, each time saying it was not notarized correctly. Now with Bayview Loan Servicing, my first XXXX trial payments went through and Bayview kicked back my last payment, therefore making me late on the XXXX payment when they had accepted it on XXXX/XXXX/XXXX and then kicked it back XXXX/XXXX/XXXX ( a XXXX later ). So they did receive my payment but want it to appear as though I missed a trial payment so that they could not give me the loan modification. I can see now that mortgage companies would do something like that since XXXX so far have done that to me. I even made a payment after I filed taxes in XX/XX/XXXX this year in an attempt to pay what I could on the mortgage and the Loan Officer XXXX XXXX said that payment could not count towards the trial payment and would only go towards the balance on the loan. I just do n't want to lose my home. I would just like to get the Loan Modification I have been trying to apply for several times in the past XXXX or so years.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Financial Corp. America refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

In XXXX I started the process of getting a forbarance agreement on my Wells Fargo mortgage.To reduce my monthly mortgage payment.The reason for request was loss of job.My husband was layed off due to lack of work, he is a XXXX.we were granted a forbarance agreement.Our payments were reduced to XXXX.The XXXX 6 months was a trail period then after the XXXX months of paying payment every month on time it became a permanent agreement.In XXXX of XXXX we declared chapter XXXX bankruptcy.Our home was exempt from the bankruptcy.Our discharged was in XXXX XXXX.In XXXX XXXX when I called to make a payment they told me they could n't accept the payment, The reason they said was they, sent me paperwork and I did n't return it.I never received any paperwork.They took the payment and told me They were gon na send me a new packet and I had to complete it and send it back before next months payment would be accepted.I submitted paperwork they accepted payments up til XX/XX/XXXX.In XX/XX/XXXX I received a paper that I had to go to court cause I was losing my home.I called Wells Fargo spoke to a mortgage specialist she told me I was missing paper out of packet they sent me.I was told ito resubmit paperwork that was missing, after they received the paper I was told to disregard the court date they were processing the paperwork and they would contact me.The paperwork I filled out was a application for a forbearance agreement-when I asked why I had to fill out this paperwork was told it was to up date my account. The notice for me to go to court was given to someone sitting on my front step on a Sunday.XX/XX/XXXX payment was returned to my checking account I was not notified of the returned money til weeks later when it appeared back in my account.When I called about returned payment was told there was problem with paperwork a few days later I received a final judgement from the courts stating i did n't show up at hearing and I was losing my home.Called Wells Fargo spoke to someone about the paper I received.was told to resist missing paperwork and she contacted the underwriter to stop the sale of home.I have been in contact with them for the last few months on a weekly sometimes daily basis.been assigned numbous specialist.Therre still is no resolve every time I speak to a new person there 's a new problem.now I received a paper stating my home goes to XXXX sale XXXX XXXX. They have not accepted any mortgage payments since returned payment in XXXX.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report