davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WA)

My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (LA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents the their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I disputed. Please resolve this matter as soon as possible. Thank You
Consumer complaint received 2015-12-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

( XXXX/XXXX/2015 ) I opened a Chase account with the promotion of {$300.00} for premier checking and {$200.00} for premier savings accounts. After receiving poor customer service and addressing concerns with the branch manager ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ), I continued to receive poor customer service. Since this branch is most convenient for me, I decided to terminate my relationship Chase. 

On closing my checking account first on XX/XX/2015, the relationship banker ( XXXX XXXX XXXX XXXX ) overdrew my account and reversed the promotion without informing me. I found out when I received notification through my cell phone application that my account was overdrawn and saw that the {$300.00} promotion was also reversed. I had to transfer funds from my savings account to prevent it from being overdrawn. She then informed me that there was a disclosure that I had signed that the account had to be opened for 6 months. After I notified her I was not aware of it, she told me I had signed for it and that she reopened my account. She proceeded to tell me that she will call corporate to tell them she accidently closed my account to get coupon reversal removed. 

After weeks of calling her, she told me she was not able to get coupon reversal removed ( XXXX/XXXX/2015 ). I questioned her about the 6 months policy and she told me it was written on the coupon. She also told me that since I 'm closing my accounts, she already informed everyone in the office my situation and that I could talk the branch manager about getting the coupon reversal removed. I informed her that I want to speak to someone who is his supervisor because he is the reason I am terminating my relationship with Chase. XXXX told me that their regional bank manager quit two weeks ago and that there is no one else I can talk to. I called the Chase corporate office and spoke to XXXX from the Escalation department and spent over 40 minutes with her to explain my situation. She told me a XXXX XXXX XXXX XXXX will return my call in two business days to address my concerns. I asked XXXX for a contact number for XXXX XXXX and she informed me I had to call the XXXX corporate number. I have not heard from XXXX XXXX. 

I reviewed my documents that I was given for my accounts. The relationship banker ( XXXX XXXX XXXX ) returned the coupon he had used opening of the account. It is no where in the disclosure documents that I had to keep this account open for a minimum of 6 months to secure this bonus or on the coupon itself. All the coupon said was that {$300.00} for signing up for direct deposit for savings and {$200.00} for depositing {$15000.00} for 90 days. 

I was never disclosed of this 6 months policy upon opening of the account or closing of the account. I have no proof of documentation of acknowledging this policy and nor were they able to provide proof that they " may '' have informed me at any point. Please see my attached documents.
Consumer complaint received 2015-07-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America reported my missing payments to my credit history in the midst of reviewing my loan modification application. I was originally told that I would not receive the modification ( and was approved ), then told that I would not be reported in the midst of the process ( which I have ). This has impacted my ability to secure future home loans with other lenders.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I do not have any upaid debt. I have received calls from XXXX on the following dates : XX/XX/XXXX ( twice ) ; XX/XX/XXXX ( twice ) ; XX/XX/XXXX, XXXX, XXXX.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My latest statement from Bank of America for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. XXXX?
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (NM)

My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights. 

Stellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights. 

Furthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me.
Consumer complaint received 2016-01-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (NC)

J.P.Morgan Chase sent me courtesy checks at 0 % intro for paying bills, etc. I called the XXXX number to find out more. I was told I had a limit of approximately {$1800.00} on credit or {$1500.00} cash. I explained how in XXXX took out a small loan of {$3000.00} with a high fixed rate and looking to cut down the intrest. She took some information and went to a supervisor. She came back a few minuets later granting me as much as {$3000.00} availability on their courtesy checks sent me in the mail. I told her I would be using one for near that amount that day XXXX XXXX, 2016. She assured I was good to go. I paid the loan. In today 's mail notice from J.P.Morgan Chase a stop payment on the check they are only good for {$1500.00}. I was on the phone an hour with them today XX/XX/2016. They do n't care just kept repeating over and over I did not have the credit to cover it. They had a record of my call and would not elaborate. XXXX of the XXXX XXXX office was like a robot repeating it over and over. What kind of fool would after calling them attempt to cut a bum check? Now I must re establish the original loan, pay application fees on a new loan, and also a returned check fee. They assume absolutely No responsibility and told me to submit any returned check fee and perhaps they might pay that. A verbal contract form their representative agreed to by the supervisor at the time later not enforced at a substantial cost to me. They do not care.
Consumer complaint received 2015-11-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

Our loan was purchased by Santander Consumer from XXXX and they are saying we opted to skip a whole year worth of payments during the time the loan was with XXXX. We never authorized payments to be skipped and Santander can not provide me with documentation proving we made the authorization. The loan matured in XXXX and continues to accrue late fees and interest. I have making payments but recently lost my job and the remaining balance of {$1500.00} is being deemed due immediately or they will pick up the 2005 XXXX XXXX with no option to work out the remaining {$1500.00} balance. In reality we should have paid the loan in full in XXXX and need proof from Santander that we in fact approved the payments to be skipped.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NJ)

I am dealing with Fay Servicing. My account manager is XXXX XXXX. 
To go over that facts as were stated to me by XXXX via phone on XXXX XXXX, 2015. XXXX called me to tell me " I have good news for you before the Holiday weekend, you have been approved for a loan modification. '' " It looks like a principal reduction of almost {$100000.00}, a rate of 6 %, the length to remain the same as the original Note. You will need to sign some documents and make XXXX payments in the amount of {$2100.00} '' I would expect XXXX to tell the truth as I am sure he is directed from Fay Servicing. Well, this does n't appear to be true based on the Forbearance Agreement I received. In the Agreement none of the Terms XXXX presented to me on the phone were included. Furthermore, it appears that XXXX along with Fay Servicing are using deceptive practices, which to me appears like consumer fraud. 
This is no joke. I am at risk of losing my home, I would expect any company would act honestly and NOT use deceptive practices. It appears XXXX XXXX and Fay Servicing are doing just that. To tell someone on the phone all those facts, along with terms of the Loan Modification and send a Forbearance Agreement such as the one attached is certainly Consumer Fraud. 
Please help me. All I want is to be treated fair and for them to honor the terms they gave me over the phone. I would pay them the XXXX month trial period upfront if they would just honor their words.
Consumer complaint received 2015-12-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JMD,LLC (CA)

The Original creditor failed to bill the insurance company for XXXX visit. I have provided proof that I had valid coverage to both the Original Creditor and the Collection Agency. I was told by XXXX that it is too late to bill the Insurance therefore I am responsible for the debt. This debt is being negatively reported on my Credit File with all XXXX Credit Bureaus. I am requesting a new investigation and have this item removed permanently.
Consumer complaint received 2015-12-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Five or six months ago, I noticed a monthly overdraft fee of {$12.00} on my simple Bank of America checking account. For the last three months, I 've been asking my bank to stop the overdraft fee ( remove the overdraft protection from my account ) and explain the $ XXXX monthly maintenance charge. I 've gotten no explanation for either, I 'm just told that the bank can not do anything about it, and I 'm still incurring both fees.
Consumer complaint received 2015-12-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I send XXXX check electronically every month at the same time for my daughter 's student loans, and they always arrive on time. NJ Class made a clerical error and did not log the XXXX checks on time, and claim that I paid late and now owe them this month 's and last months checks. I sent them proof of payment and they stated that those checks were for the previous month, which is incorrect. The payment is due on the XXXX of the month, and I always pay so that they get the payments by the end of the previous month, which is a few days early. These loans were for XXXX XXXX XXXX.
Consumer complaint received 2016-01-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (OH)

My mother 's social security number was used by my ex sister inlaw for a cosigner on her student loan back in 2006, electronically.. My mother is on social security, XXXX XXXX XXXX and in very bad health. She has been in and out of the hospital and in a XXXX home XXXX. My mother is being harassed daily by calls and letters. Demanding payment, which she can not make, because my ex sister in law can not be found and has been divorced from my brother going on 10 years. My mother never signed anything and Sallie Mae will not send her anything with her signature on it. She was asked for her social security number when she was recovering at my brothers XXXX This harrassment has increased in the last 6 months and effecting my mother 's health in a negative way. This is leading to her having another XXXX XXXX or worse. I need help, because Sallie Mae does not want to cooperate with her or myself. thank you for your time.
Consumer complaint received 2016-03-17
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

Our firm listed the property at XXXX XXXX, XXXX, Tn XXXX on XXXX/XXXX/XXXX. We have worked XXXX different offers, we have submitted entire files three times and Chase Mortgage has sat on this file and sat on it and even after sending a letter on XXXX XXXX, XXXX advising them that we had not heard anything but a runaround, they have still sat on the file. Chase has developed a pattern of setting the stage for a foreclosure. This is harming an active service member and we are seeking assistance. We have attached the Authorization form for Senator XXXX to follow up on this as well. We are also going to reach out to the Veterans Administration. It appears that they drag their feet worse when it is a VA loan and we simply do not understand why.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi there, on XXXX/XXXX/2015 while I as in XXXX on a business trip I got Victim of a XXXX and I got XXXX, they took my wallet with all my credit cards, money and Id 's, cellphone, Jewelry ( XXXX ). These people got access to all my credit cards and made heavy use of it. I notified the police in XXXX police report # XXXX right after I was able to and also all the financial institutions in XXXX . for my surprise XXXX of my credit cards from bank of america XXXX master cards the fraud department is saying the transactions are valid and i 'm liable for.
Consumer complaint received 2016-02-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am XXXX yrs old. Live on fix icome. I could not cover my mortgage payment so bank of America charged me a total of XXXX dollars XXXX nsf charges and XXXX XXXX fee for having my account negative. for 3 days. I spoke to them thet said they could only reimburse me XXXX. I told them I had contacted the bank but they could not do anything because it was automaticlly going to take XXXX tries to withdraw the money. Yet Bank of America still kept charging me nsf fees. Which I think is an abuse.
Consumer complaint received 2016-02-16
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Ceannate (DE)

I was contacted by FMS, Investment Corporation via mail. I responded in XX/XX/XXXX and FMS never got back to me. My letter discussed a payment arrangement suitable to my income which decreased more than XXXX ( I lost my job ). 

I received a letter from the Department of Treasury in XX/XX/XXXX indicating that my XXXX XXXX payments from XXXX will be offset in XXXX because I did not contact the creditor ( Department of Education ). 

My letter to FMS ( 3rd party collection agency ) predated correspondence from the Department of Treasury. 

Two payments in excess of {$1300.00} were sent via bank checks to XXXX XXXX XXXX and FMS between XX/XX/XXXX and XX/XX/XXXX. However, the current balance is only about {$300.00} of the original debt. 

I spoke with " XXXX XXXX '' on XX/XX/XXXX and XX/XX/XXXX for a combined total of 95 minutes. During these calls, " XXXX XXXX '' reported that my household debt was more than enough to pay over {$55.00} per month towards my debt. In addition, she was sending me documents via email. I asked if I opened the email, would it verify what was written in the documents? " XXXX XXXX '' indicated that it would even if I did not agree. Therefore, I did not open the email, as her payment could be more than I could consistently pay. " XXXX XXXX '' also wanted me to provide her with my debit card in order to make a payment over the phone. When asked if my debit card would be charged in the future, she said, " yes. '' Therefore, I did not give her my personal information. Instead, I sent a certified bank check. 

I admit to the debt. I do not accept how I am being forced into making payments that I may not be able to afford. I am still trying to get on my feet after losing my job. While I was approved for XXXX XXXX from XXXX, I am only receiving interim payments, as my application is still in the process of being solidified.
Consumer complaint received 2015-07-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (NV)

Northeast Credit Collect listed pase ID Theft accounts on my credit files, They 've split one bill into XXXX and made XXXX separate entries on my credit report. I 've spoken to the original creditor of the XXXX debt, they told me the account should be listed as one account and that they will never sell the debt and that should contact XXXX is in charge of collecting the debt. Since that 's the case it means XXXX gave permission to Northwest Collections & Credit who account no. XXXX from XXXX XXXX XXXX on place on my credit file on XXXX XXXX. XXXX other companies also reported the accounts in the same 30 day period are - & gt ; XXXX/XXXX/2015 XXXX, XXXX/XXXX/2015 Commonwealth Financial, XXXX/XXXX/2015 North East Credit & Collect..Theres no way all XXXX companies can have the legal right to pursue collections at the same time. Also North East Credit & Collect is violating Hippa by listing it as a debt from XXXX XXXX XXXX. They also listed the XXXX debt as XXXX accounts, The original creditor told me it should be ONLY XXXX account, meaning North East Credit & Collect maliciously reported one debt multiple times to do as much damage to my scores as possible.. 
XXXX has been notified it was from ID Theft
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CITIBANK, N.A. (MD)

I had a Best Buy CC since XXXX/XXXX/XXXX but destroyed the card. I purchased a TV for my daughter around XX/XX/XXXX. /XX/XX/XXXX on the phone and used the account by them looking it up. I was paying on the account monthly. I was being stalked at the time and had moved several times. I had a brief relationship with a man until I realized he was not safe. On XX/XX/XXXX while my daughter and I were out for holiday he broke into my home, hiding behind the bedroom door he attached me with a phone cord trying to strangle me. It took XXXX police officers to pull him off of me. I suffered a XXXX, XXXX and XXXX, I lost my job and it took months to recover. I maintained the account paying a minimum balance. Just before moving to XXXX for our safety I realized a laptop had been purchased on the account. Not changing my address through the XXXX XXXX, I month after month contacted B.B. directly to change my address, given their C.S. reps. my inform, yet it never changed. Each time I called I would ask them to verify the new address and give it again. In the 5th month of calling, I asked to speak with manager and was told by him it was " a courtesy to receive a statement '', I said they were incompetent. After the assault I moved from the address they had on file. B. B. raised my minimum pay. and I did n't know that with out receiving the statements so it was sent to collections. In moving back to XXXX. after the man was in jail, I spoke with collections, wrote out everything sending documentation. I know the man that tried to kill me purchased the laptop on my account. I received a letter from B.B. stating I won my case, they would remove the purchase, all fees and penalties and repair my credit in 3 months. I heard nothing from them again for months until recently when called by another collection agency. I was told they sold it to them and now want me to press charges against the man for identity theft ; I refused. He will soon be released and when he does I will not run for my life again over a {$650.00}. laptop. How can this be? The letter states that after investigation they removed disputed charges and any related fees and interest. I am uploading the document sent on XX/XX/XXXX. I have spent two years recouping from this ordeal and they have added undue stress to my life and ruined my credit. Please I need your help.