davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NV)

I have a mortgage account with Chase. I opened this mortgage account on XXXX 2005 right when the economical crisis happened. During all these years, I had tried multiple times to apply for a long modification without success. In several occasions my husband and myself were unemployed documentation was provided but the loan modification never was approved nor solved. Recently I have been diagnosed with XXXX XXXX and again another hardship in my life. 
I had never been late nor in default because of fear to loose the only shelter I have. So far I had disbursed to Chase more than the property is worth during all these ten years of the existence of the mortgage loan. 
I am trying to get into an agreement with Chase and to cancel the loan since I had paid more than the property is worth. 
Chase has ignored my concerns and request. 
I found out that Chase paid on my behalf for property taxes that were never late nor deliquent just because I applied for a modification. I do n't have a written document for escrow account however Chase had opened an escrow without my authorization. While reviewing the loan as a whole I noticed that chase was charging me fees that never incurred. 
I need to address this concern and I want justice for the misrepresentation of Chase, forge documents and false statements. 
I am a consumer who had provided enough money to chase who does n't deserve.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Equifax Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the originalcontract with XXXX began. That date is XXXX XXXX, 2008. I have writtenEquifax on numerous occasions to have them put this date on the account, and they havenot done so. Please have them list this date as soon as you receive my complaint.
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

I live in the state of Texas. After sending emails XXXX for verification of debt i am requesting that the debt be removed from my credit report. I have not received any information pertaining to debt nor any proof of required information pursuant to Texas XXXX. I can not validate debt as mine as I have not any proof of debt, nor any communication from IC System Inc in the time allowed from said TX XXXX XXXX.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay Card as part of a Wyndham time-share program I purchased. The Barclay VISA credit card was used for the down payment. The terms of the Barclay agreement I received that day said 0 % APR for balance xfers for 45 days after opening account. When I received the credit card about two weeks later in the mail, the balance xfer terms were 0 % APR for 0 days after opening account. The online account also says 0 % APR for 0 days after opening the account. This is an error I would like to get fixed.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Clarity Services (CA)

On XXXX XXXX, XXXX I pulled my credit report form XXXX and noticed that Clarity Services have pulled my credit file without my permission and on be half of lenders I did n't apply to. These or hard hit inquires that will remain on my credit file for two years. Dates or as follows : XXXX XXXX, XXXX, twice XXXX XXXX. I opt-out on XXXX XXXX, XXXX from any and all promotional companies to review my file. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX Show less Account name CLARITY SERVICES INC Date of request XXXX/XXXX/XXXX Address identification number XXXX Comments Line of credit on behalf of XXXX ( XXXX. This inquiry is scheduled to continue on record until XXXX XXXX.
Consumer complaint received 2016-01-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a hit on my credit for debt that is over 7 years old from a company that I have recently been involved with a class action lawsuit this debt is over 7 years old and has not been on by CBR and had fallen off .. they should not be reporting this debt
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute in XXXX 2015 for an inaccurate 30 day late payment currently reflected on my TransUnion account for XXXX XXXX XXXX credit history report. My account inaccurately reflects a late payment for XXXX 2015. This inaccuracy occurred because of a fraudulent transaction The XXXX XXXX allow to occur with my credit card number in another State. The fraudulent transaction occurred in XXXX, 2015. This was investigated and correctly found by The XXXX XXXX as fraudulent. When I discovered and reported the fraudulent transaction, The XXXX XXXX closed my original account number and issued me a new account number. They transferred the old account statement, which appeared with a late payment for XXXX and XXXX 2015 as a result of the fraudulent transaction, and transferred it to my new account number. As a result of my dispute filed with TransUnion, I received a letter from them indicating the inaccuracy was corrected. However, the issue was not removed from my XXXX XXXX XXXX credit history report with TransUnion. I have continually disputed this issue with them, as well as continuously contacting The XXXX XXXX. TransUnion has continuously refused to update my XXXX XXXX credit history report to reflect no 30 day late payment for XXXX 2015. I have never made any late payments for my purchases with the XXXX XXXX and my credit report should accurately reflect this. For some reason, either TransUnion or XXXX XXXX XXXX refuse to correct my credit report. This has occurred because of a fraudulent transaction The XXXX XXXX allow to occur, which is now incorrectly reflected on my credit report. It now appears I do n't make payments on time. My account balance was/is XXXX when this fraudulent transaction occurred. I have filed other disputes with TransUnion since the original dispute and none of them have resolved this issue. I take my credit report very seriously and have no late payments on my credit report other this inaccuracy that my disputes seem unable to resolve. I would recommend to anyone who experiences an issue like this with The XXXX XXXX to not allow them to open a new account for you until they resolve the issue and it no longer appears on your credit report with any of the XXXX major credit agencies.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX - XXXX - XXXX XXXX, 2015 - Open - $ XXXXXXXXPlease validate and verify the account by providing the necessary information or removed from my credit bureau : A copy of the signed contract or other documents that provide evidence of the relevant consumer 's liability for the debt in question. 
Copies of all, or the last XXXX ( whichever is fewer ), account statements. 
All account numbers used by the bank ( and, if appropriate, its predecessors ) to identify the debt at issue. 
An itemized account of all amounts claimed to be owed in connection with the debt to be sold, including loan principal, interest, and all fees. 
The name of the issuing bank and, if appropriate, the store or brand name. 
The date, source, and amount of the debtor 's last payment and the dates of default and amount owed. 
Information about all unresolved disputes and fraud claims made by the debtor. Information about collection efforts ( both internal and third-party efforts, such as by law firms ) made through the date of sale. 
The debtor 's name, address, and Social Security number.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

During the 2015 XXXX holiday I closed my savings and checking account at Bank Santander located on XXXX XXXX XXXX XXXX, in XXXX, Pa., phone number, ( XXXX ). Branch number XXXX. 
I received an official Bank Check for {$23000.00}. XXXX and mailed it on XXXX XXXX, 2015 to my XXXX XXXX Bank account and put on the back of the check for deposit only in my account and listed my account number. The check was never received by XXXX XXXX and is lost. I call Bank Santander and requested a stop payment on XXXX XXXX, 2015 Banks XXXX said the wo n't stop payment for 90 days. The bank officials say if I want a stop payment sooner I have to agree that they are not responsible for the money. They want me to obtain a surety bond too. I 've call 3 times and the bank refused to put a stop payment sooner than the 90 days. I asked the bank on what date will they put a stop payment on the check and I was told by XXXX XXXX who works at the bank that she did n't know, that she would have to get back to me with that information. 
Best Regards XXXX XXXX cell phone XXXX
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (NV)

I would like to dispute US Bank credit report and bill of XXXX that has named me solely responsible for a joint checking account my husband and I had while we were still together and married. I am not denying there was a sum of XXXX $ withdrawn from our account that BOTH of our names were currently on at the time. I tried to resolve this problem with my local institution by meeting with my bank rep in person and speaking with her several times on the phone. I tried multiple times to inform my bank that I was in a desperate and financially destitute time in my life, my husband had left the home, leaving me with all the unpaid bills up to 3 months behind on our electric. No food in the cabinets except ramen noodles to keep my XXXX son from starving to death. My rent is and was XXXX $ per month. not including water and garbage. I have no car since my husband had that repossessed as well. I am over XXXX years old and having to ride a XXXX bicycle to work in XXXX degree weather in XXXX. I had no financial support from my husband for child support or anything. I truly wanted to fix this problem and maintain my bank account. Instead. US Bank closed my account immediatedly when I was the only XXXX with direct deposit going in it since day one.. I am not denying that there was a XXXX $ withdrawl from our JOINT checking account. the total amount shown on my credit report is {$830.00} ... Now here is my issue.. If we had joint account together.. Why in the XXXX were .. or ARE they ONLY after my XXXX ... My husband 's name was on that account too. Yet, no where on his credit report has US Bank listed his Name for ACCOUNT ABUSE. & gt ; & gt ; & gt ; I am very offended that I have been singled out and been turned down now TWICE by XXXX bank to acquire a NORMAL checking and saving account. I have only been allowed a FREAKING DEBT card which is just about worthless except to pay bills with and shop. Yet my husband went down to the same XXXX branch that I bank at and got himself another PERSONAL CHECKING ACCOUNT with NO problems whatsoever. They freely handed him a XXXX card. I have busted my XXXX to try and fix all the XXXX and financial disasters that I have been left behind with to sort out and fix as best as I possibly can. I only want to try and rebuild my credit, establish a personal checking account with DIRECT DEPOSIT that I have had going into my XXXX liquid card for over 3 years now and getting NO good credit established this way.. Can someone please help me. I can only do and pay for so much being a single parent. Thank you so much for your time ... XXXX XXXX XXXX
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I originated a XXXX mortgage with XXXX in 2015. I setup the draft date for the XXXX of each month. In XXXX 2015 Loancare took over the loan. Loancare did not draft on the XXXX so I called them on XXXX XXXX. They found the error then drafted {$3200.00} on the XXXX and again on the XXXX. I have spent hours on the phone trying to get this resolved. Loancare said at this point my account would not be drafted again until the XXXX of XXXX. They then drafted my account again XXXX XXXX. Loancare wants me to prove to them that my account was drafted XXXX times in XXXX. I sent them my bank statement and now they want to see my account balance. I have attempted to speak with a supervisor but Loancare continues to disconnect me after a long hold time. Can you please help me with issue?
Consumer complaint received 2015-12-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

My mortgage was sold from XXXX to XXXX Loan Servicing. I called twice this month when my normal payment was not deducted from my checking account. They said they are working on getting the change over completed and I would get a " welcome package '' I did not receive any further information until yesterday when they left me a voice mail telling me to make a payment. Now they want a {$10.00} late fee. XXXX has a phone number that is not answered by humans XXXX or XXXX. 
I do not know these people. They seem disorganized, poorly managed, and I believe fraudulently collecting additional fees and damaging our credit. This is not what I expect from a company that specializes in loan processing. 
Can you do anything with these people?
Consumer complaint received 2016-01-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have power of attorney on my mother 's charge card, # XXXX, and am on my mother 's checking and savings accounts. The branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, Bank of America adamantly refused many times to let me be added on my mother 's accounts. 
In XXXX I went in again and asked XXXX XXXX, personal banker and XXXX XXXX, Asst Mgr to let me move the points over from my mother 's charge card ( approx. XXXX ), worth about $ XXXX to my mother 's checking account and they adamantly refused. In fact, the Asst Mgr said I should have my sister just do it as she is a joint on the charge card but she does not have access to the checking account. My mother lives in an XXXX and has XXXX issues.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

Macy 's Debt Collection XXXX is contacting, an employee of XXXX XXXX who does not have a Macy 's credit card and attempting to get her social security number and asking her about other people who work at XXXX XXXX once they learned she does not have a Macy 's account. They call 3x 's per day and go thru the IVR to get to her extension. It is very annoying and disruptive. It seems like a scam to get information.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MORGAN STANLEY & CO. LLC (CO)

Saxon sold our borrowers loan to XXXX and I have been trying to get a release, XXXX got back to me and said yes. The release dept discovered that yes they did receive this file from Saxon when they closed but Saxon had already liquidated and charged off the account so all XXXX did was upload the file and did nothing on it as they realized Saxon sent them an already closed out file. They said they have several like this. With Saxon no longer in business, XXXX did give me XXXX number that is still in use where they just handle archived files. I called that number and it is nothing more than a message and it states if you are looking for a release you have to mail it in and gave a XXXX then says thank you goodbye and hangs up. You can not get a live person at all. I can mail it out however I can not even do XXXX with a XXXX. Just let me know what you would like me to do.
Consumer complaint received 2016-01-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Broward Adjustment Services (FL)

I have asked on multiples occasions validation of these accounts to this company through the credit bureaus without a statement from the agency, keep that information in my credit files, under Fair Debt Collection Practices Act I have the right, unverifiable accounts must be remove under the Fair credit reporting Act I hereby request.1-What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3-Provide me copies of any papers that show agreed to pay what you say I owe 4-Provide a verification or any judgment if applicable 5- Identify the original creditor 6- Prove the statute of limitations has not expired on this accounts 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent. Without this information requested is clearly violating my rights
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (DC)

I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX. Box XXXX XXXX, XXXX XXXX Attn : XXXX XXXX Re : Account Numbers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX ) Re : Social Security No. : XXXX The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting associated with my Social Security Number to the XXXX credit agencies and remove all late reporting as my loan was transferred to several collection agencies while I am trying to pursue work-out options for my private student loan. As I have accepted your agreement on a debt settlement and had my attorney confirm the details in writing and have yet to receive final confirmation from XXXX on the terms. Over the years I have filed pleas to whereby I could make payments more affordable and filed numerous complaints with CFPB to resolve this very serious matter. 
Recently, I have begun search for a more financially rewarding career with promotional potential within the Federal government and it has come to my attention that my late payment ( s ) with XXXX may negatively affect my chances of obtaining a career in the field I am pursing. As you may know, FICO scores are being used more and more in the selection of prospective job applicants and getting security clearances. In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ) as reported on my XXXX major credit bureau files ( Experian, XXXX, and XXXX ) and removing duplicative entries by the third party collection agencies. I sincerely hope XXXX Bank home mortgage believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams. While I understand that it is true that I have been late ; gaining meaningful employment with a salary whereby I can repay my mortgage documents that I am making definitive and positive strides. I would be happy to furnish my job applications and interview logs where I have been competing against XXXX applicants and securing XXXX and XXXX interviews within the Federal government. I appreciate your time and look forward to receiving a favorable decision from you department soon. Please provide your decision on the above-mentioned account in writing on if consideration can be granted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I recently signed up with Chase for a credit card that worked with XXXX XXXX for frequent flyer miles, the " XXXX '' program, the XXXX XXXX XXXX XXXX. The promo that was advertised was for XXXX bonus points after spending {$2000.00} within 3 months and I did meet that requirement. After meeting this requirement I was not rewarded the points initially offered. The ad was a link directly from the XXXX wesbsite to a chase credit card application from a promo that was advertised on the XXXX website. Once I contacted chase to inquire about the points I was told that this was not the offer that I had signed up for even though the link from the XXXX site took me to the application directly, giving me no other options for offers or applications to accept other than what I was re-routed to. 

This is very misleading to the consumer. You should not be allowed to advertise a certain promotion and offer a benefit for giving a company your business and then not follow up. I fulfilled my part by spending over {$2000.00} in the first 3 months and the credit card issuer should be held accountable for their advertising, whether their links are correct or not. I know the credit card company would hold me accountable for my commitments to them and they owe the same to each consumer. 

I feel this is a fraudulent advertisement. The company is intentionally enticing consumers with what looks to be a great offer and is then changing the promo offer after the application is submit to a lesser offer, a bait and switch it seems. This theory is based on my communications with Chase who told me I had accepted a different offer even though there were no offer choices after clicking on the link for the XXXX points. 

Attached is : 1. a screenshot of the offer 2. a copy of the last communications with chase 3. a copy of the statement where the {$2000.00} spending requirement was fulfilled