davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

We received a phone call on Tuesday XX/XX/XXXX from XXXX XXXX XXXX   demanding that we call them back about an alleged balance of {$190.00} at the XXXX XXXX XXXX. Thursday XX/XX/XXXX we received a written notice in the mail. 

However, this alleged billing of {$190.00} was disputed in writing every month -- and the Lawyer helping us sent 2 letters, most recently on XX/XX/2019, also by email. 

We have proof that the - XXXX XXXX XXXX has no right to pursue any collection actions on us, because of a very long and well -documented billing dispute with XXXX XXXX XXXX . 

All proof, in writing including our attorney 's letters will be attached.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

Complaint : the mortgagee ( Chase Bank ) is collecting more than the allowed amount for my escrow account. The escrow account is to collect for payment of my home insurance and property taxes. I called Chase Bank I believe back in XX/XX/2018 to discuss their error, but they did not remedy the complaint. 
Details : My combined annual home insurance of {$860.00} and annual property taxes {$2500.00} total the amount of {$3400.00}. The Chase Bank is collecting in escrow a total annual amount of {$4400.00} ( ie.  {$370.00} x 12 = {$4400.00} ). Per HUD, the maximum a lender is allowed to collect is the total annual amount due ( {$3400.00} ) plus two months ( {$3400.00} / 12 = {$280.00} x 2 = {$560.00} ). Per HUD rules, this totals a maximum allowed escrow amount of {$3900.00} ( ie. {$3400.00} + {$560.00} = {$3900.00} ). Chase Bank is collecting {$460.00} over the maximum allowed ( ie. {$4400.00} - {$3900.00} = {$460.00}. ). 
Chase Bank needs to correct the escrow collection amount to comply with HUD rules.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (CO)

on XX/XX/2019 I received a email from Skrill confirming a payment of {$100.00}. The body of the email was addressed to someone else showing a credit card number that was not mine. There does not appear to be any issues on our credit cards. I called Skrill for an explanation. I was told this was a payment and the person making the payment was the one that listed my email for confirmation. I have no knowledge of the person who made this payment or how they got my email. I have never had any dealings with Skrill.

Skrill said all they can do is erase my email from their data base and records. I ask to speak with security about this incident to be certain there were not other issues. I was told that would not be possible.

I am concerned that there could be some sort of scam or fraud at work here. Skrill was not offering to do any research into the incident.

It makes no sense to me that a person I have never heard of would have my email info and use it for confirmation of payment on Skrill, something does appear right about this.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (IL)

This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.
Consumer complaint received 2019-01-25
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. (WA)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. 

I was advised to send a " Dispute '' Letter to each of the 3 credit bureaus to validate the accounts under the FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt ''  so that you can see the tracking of this letter. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( credit bureaus ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and show 100 % verification of the accounts that they're reporting on my credit reports. The only letter Experian sent back to me after my 1st letter to them was saying that they verified all of the accounts that I was disputing. They did not provide ANY documentation showing how they " verified '' the information, nor did they send me any signed contracts or signed applications. 

I then sent ANOTHER letter to them disputing the debts once again, and asking them to provide proof under the FCRA that these accounts belong to me. I told them that you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). 

They have STILL once again sent me a letter stating the accounts are verified, but have continued to violate my rights by not providing ANY documentation backing up their so called " investigation ''. 

Please note that I have dozens of accounts on my credit reports that are being reported correctly, and I am not disputing the validity of those. ONLY the several accounts that were in my dispute letters that I have attached. 

I demand that these erroneous accounts be removed from my credit report by Experian immediately. 

Thank you for helping me resolve this matter.
Consumer complaint received 2020-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

To Whom it May Concern, After spending more than six months trying to resolve the mistakes with United Wholesale Mortgage ( UWM ) on my VA loan, they refuse to correct their mistakes. My payments are not being applied to my account on the dates received by the mortgage company. Payments are taken out, then reapplied at later dates. Funds are held, misapplied to principle, then removed and incorrectly applied to the monthly payments later than when payments were received. I tried working directly with their customer service line and my records shows numerous calls over six months from payments not properly entered on my loan. I even walked a representative step by step through the payment expectations, yet another mistake was generated. The mismanagement of the escrow payments is terrifying. The mistakes are clearly showing in the payments history on my loan with the numerous corrections made monthly by UWM. 

Example : The payments made in XXXX ( XX/XX/XXXX & XX/XX/XXXX ) should have been applied to the XX/XX/XXXX payment with the excess going to principle. I dont know how to say that differently so UWM can understand? Not only did UWM not do that, it appears that they applied the additional funds towards the XXXX payment, reducing that payment amount. Every time I call they tell me it's corrected and I shouldn't worry. Yet it never gets corrected. 

I've never had a late payment or fees of anytime on this new VA Loan. I've attached the payment history record directly from UWM. You can see the constant corrections being made by UWM monthly.

I can no longer call into UWM customer support, I get a different answer every time. For my protection I have been sending in emails in order to track the records and communications. After seven months with no resolution, I feel an investigation is warranted. Any assistance is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX  for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer. 

Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX  on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family.
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

I have a mortgage for a investment property I originated in XXXX with Chase Home Mortgage and I was a prime borrower and received a subprime high interest rate of XXXX percent. I have knowledge at that time I was mistreated during the origination process. 

In XXXX, I had a escrow account and my loan was transferred with a negative escrow per Chase Home Mortgage to my new Servicing Company and I did not elect to not have escrows which was part of my modification agreement. 

Now that my taxes have not been paid according to RESPA guidelines to assist borrowers. A tax buyer has purchase my XXXX taxes in the amount of {$10000.00} and will be purchasing the XXXX taxes and If those taxes are not paid I will loose my property. 

I can not afford to pay these taxes to save my property. This is why when I did a modification to help me to get back on track. My taxes were included and I did have escrows. 

I have been in contact with Chase Mr. XXXX and no resolution to my matter and it is not my new Servicing Issue because they were only notified of the negative escrow not I had a escrow account and I have been struggling to pay this mortgage for now for 18 years and I am owed from Chase per the court records. 

I was a prime borrower and received subprime interest rates and that leads me to be treated unfairly and I am owed that money back for the discrimination.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On three separate occasions, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made online transfers between accounts. Each time it originally showed I did it and then the transfer never went through. I bounced a check, first time in my life, I had to use overdraft which I was charged for. 
When I called customer service they were continuously rude and unhelpful and one person hung up on me. 
I went to the bank, Bank of America branch in XXXX XXXX XXXX XXXX, Fl and I was upset. One rep helped me fix one situation byut manager called police on me and they came and made a scene. 
When I confronted her about it at a later date she denied it saying it was corporate which was a lie. She refused to discuss it. She said she would have a district person call me, another lie. 
I repeatedly asked to speak with someone in Corporate which was denied. 

These instances have caused several problems and B of A employees are generally rude and unhelpful. 

On XX/XX/XXXX I called their branch 23 times with no answer. Manager shrugged it off
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servatus Corporation (GA)

This debt is not owed. XXXX XXXX XXXX XXXX has transferred this account collecting on debt that is not owed. In XX/XX/2018, this issue was already disputed and matter was closed in favor of myself. Please provide in writing within 30 days evidence that this debt is owed and that you have permission to collect on said " debt ''. Also you will see from the statement below how this was handled in XX/XX/2018 : Referred STATUS CFPB referred complaint to another government agency on XX/XX/2018 REFERRED TO NATIONAL CREDIT UNION ADMINISTRATION We referred your complaint. 

After our review, we found another agency that is better able to help you with your issue. 

We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to identify questionable business practices that may lead to investigations and prosecutions.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I would like to submit a formal complaint about XXXX XXXX. 

When I requested recalculation of my IDR payment plan, I was directed to fill out the form OMB No. 1845-0102. This form was partially filled out for me. Yet, Section 6 was not greyed out. I requested a one-month reduced forbearance for XX/XX/XXXX. I submitted this form on XX/XX/XXXX. Furthermore, official letters from XXXX XXXX said my form for recalculation was approved. I assumed this meant that section 6, my request for a reduced one-month forbearance, was approved. The letters also said to continue paying my normal payment till XX/XX/XXXX, which normal to me was the {$93.00}, not the untenable hike that caused me to request immediate recalculation. Had the letter not incorrectly informed me, or had the form not allowed me to incorrectly request a reduced one-month payment, I would have known to save enough money for the XX/XX/XXXX payment. Now, I have to dig into my meager emergency savings and put more debt on my credit card. 

I emailed XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and did not receive a response with respect to my confusion about how much to pay on XX/XX/XXXX. I finally called today on XX/XX/XXXX and spoke with employee # XXXX who confirmed that I am expected to pay {$440.00}, despite their runaround and miscommunications. I will pay the {$440.00}, but I am submitting this complaint because I feel XXXX XXXX needs to be held responsible for their misguided forms and lack of response. 
XXXX XXXX is intentionally difficult because it makes money off of people in revolving debt. These practices are unfair.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid off a second mortgage on XX/XX/XXXX. Bank of America is required by Virginia Law to provide a lien release to the county/city where the property is located to release the mortgage lien within 90 days or face a {$500.00} fine. On Wednesday, 90 days will have been reached and I want confirmation that Bank of America is going to receive the fine they are due. I have reached out to the bank dozens of times and they refuse to provide me with any evidence that they are processing my request. Bank of America was sued by New York for {$6.00} XX/XX/XXXX in 2 class action lawsuits for this exact same thing back in XX/XX/XXXX. Failure to provide the original letter of satisfaction to the clerk 's office to release the lien. They are doing it all over again and it is XX/XX/XXXX. The attorney general needs to file a class action lawsuit for Virginia customers of Bank of America and ask for {$10.00} XXXX because Bank of America is obviously flaunting the law.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had an account for ten years with XXXX XXXX XXXX which was bought out by Capital One a couple of years ago. I have always made my payment on time and done so by accessing my account via the internet. 

Last year ( XXXX ) I filed bankruptcy on a company that I had, but did not include my XXXX account for several reasons ; 1 ) I have the motorcycle with a small balance I needed to keep, and 2 ) There is a co-signer on this account. 

This account was started with the purchase of my motorcycle ( XXXX XXXX XXXX ) and for some reason it was put on a credit card with an additional {$10000.00} credit limit. I never did understand why it was done this way. 

During and after my bankruptcy last year, I have continued to make my payments! 
Sometime around XXXX of XXXX I was no longer able to access my account via the internet, nor have I received any statements regarding my account and have not idea how my payments are being applied. 

I have called them ( Capital One ) every month and all I get is the same none sense. Basically, No one seems to know what is going on. I was finally given an email address to send my request to ( XXXX ) They have refused to give me the payoff amount on my motorcycle of witch they have the pink slip and refuse to cooperate in any way other than they to seem to have no problem cashing my checks. 

I look forward to your help! 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Hello! My name is XXXX, and I have a problem with Carecredit card. I tried to make a payment on time to finish my debt, but they rejected my payment. I called the company and put me on hold and did not answer. Please, help. I want to get rid of this credit card as soon s possible. Thank you.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (WI)

XX/XX/2020 Apparently my bank has made a change that will not allow me to link my account for transfers to XXXX XXXX by XXXX XXXX. If I am authorizing it by logging into MY account requesting a transfer of MY money, there should be no reason this can not be honored.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and Equifax ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.