davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Originally I had an AMEX, XXXX Surpass card. Was informed by letter on XX/XX/XXXX that the Surpass card was being terminated and members would be sent a new card called XXXX XXXX which had a different fee, different benefits etc. this would be effective on XXXX XXXX, XXXX. 
I called customer service on XX/XX/XXXX and asked if I would be getting a new introductory bonus for this new card. I was told I would need to cancel the old card before the change and open this new card when available to get any introductory bonus. As I like to be careful, I called again. 
I called customer service again on XX/XX/XXXX and spoke to XXXX. She specifically explained that I needed to cancel the current card and apply for the new card in XXXX. And, since this was a new product it would be eligible for a new introductory bonus. 
On XXXX, the same day I cancelled my AMEX XXXX Surpass card. 
On XX/XX/XXXX I applied for the new card AMEX Ascend card with advertising saying I would get XXXX  points for a $ XXXX spend and an additional XXXX points for an additional $ XXXX points. I did the spend as soon as possible. 
On XXXX I called to follow up on the points. I was told this is the same card. I objected and a claim was filed. 
On XX/XX/XXXX, I called customer service again and spoke to XXXX. He assured my dont worry, the welcome bonus will be added soon. I would be getting XXXX points but it might not post right away. That he agreed that this was a new product with a new name, new higher fee, new benefits, etc. he said he would also have his supervisor XXXX in XXXX XXXX, add comments to my file to help it. 
On XX/XX/XXXX I called customer service yet again, and was told that I was denied again. That no one had put my details in. This time I spoke with XXXX who told us a new case # XXXX who be filed with my comments supporting this as a new card that we were assured would earn a new bonus. 
Finally today, XX/XX/XXXX, I called again and spoke with XXXX who revealed that my case is going to the same person who originally denied us over and over. She took a minute to look at my file and said this is the same card I explained the many ways it was new and she repeated, its the same.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My father passed away in XX/XX/XXXX. I had been residing with him and after he passed, I continued to pay his mortgage until I became ill in XX/XX/XXXX, and fell behind on payments.I received a notice of sale in late XX/XX/XXXX. 
I contacted the lender to request assuming my father 's mortgage and was informed that I needed to complete Probate to acquire title to the property BEFORE being allowed to apply. In mid-XX/XX/XXXX, I was able to save enough money to hire an attorney to start the probate procedure. We received the earliest hearing date available, which is XX/XX/XXXX however, on XX/XX/XXXX, Shellpoint 's representative XXXX communicated to my attorney that they would not postpone the sale beyond XX/XX/XXXX unless they received a payment of 5 % of the total amount needed to payoff the loan and the Probate Letters of Administration ( giving me title ) to even CONSIDER an application to assume the loan. 
When my attorney expressed that obtaining the Letters of Administration before XX/XX/XXXX was a physical impossibility, XXXX replied that " you'll need to get creative '' to make that happen.
Consumer complaint received 2018-04-18
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: U.S. BANCORP (KY)

I have several accounts with US bank. One of those accounts is a premier account. I use auto draft on all of my accounts. In XXXX when I set up the auto payment option on this account, for some reason it did not draft my account. I did not realize this until I received a letter from the bank. I have never been late on a bill ; my records with the bank and credit union will verify this. I immediately contacted the bank, brought my account current, and explained what had happened. After investigating my account, the bank manager saw where I had signed up for auto draft, and reversed my {$22.00} late fee. The manager also informed me to contact their consumer credit department via letter to explain what happened so that I could have the late removed from my credit report. I contacted them as instructed, but they chose not to remove the late. As a result, they sent me a letter indicating that my credit card limit would be reduced, and my interest rate increased. Also, my credit report dropped 45 points. Again, I have never been late with any kind of payment before, and this late was due to an auto draft error on their part.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

On XX/XX/XXXX, I called my loan provider Navient ( customer support line ). I noticed that my monthly loan payment went up and I had some questions regarding that. Upon calling, the representative set me up for the " Consolidated Student Loan Forgiveness Program ''. She said that I would pay around {$96.00} for 3 years and around {$38.00} for 7 years. After 10 years of payments she said that my loans would be forgiven. I stayed on the phone with this lady for almost 2 hours going over documents to send to her. I do have the documents saved on my computer. She said she also needed pictures of the front/back of my debit card. At this time, these people have taken {$700.00} from me. I have called my bank and put a stop to them taking more payments out. 

I noticed I still had the same payment due from Navient, so I called them again today. They said they had no records of speaking with me on XX/XX/XXXX and no records that I had changed anything with my account. They said that the phone call on XX/XX/XXXX could some how have gotten intercepted and that I spoke with a party that was not Navient. I do not believe Navient is at fault. 

On XX/XX/XXXX, I received a call from my new " Account Manager ''. She left me a message and said her name was XXXX. The number she gave me to reach her is XXXX. I have not contacted this woman. 

I'm hoping you all can help so this does not happen to other innocent people!
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

XXXX foreclosed on a mortgage that was paid ahead. XXXX agreed to restore and breached the agreement. 

An Underwriter by the name of XXXX XXXX obtained a modification approval on XX/XX/XXXX, using " reverse engineered '' income and property value information. 

XXXX XXXX claimed he verified an appraisal that indicated a FMV of {$160000.00} when he had no appraisal. Bayview loan servicing admitted they had no appraisal from XXXX to the Indiana Attorney General in XXXX. 

The records of payments made showed no payment to any vendor for an appraisal. 

At trial Bayview 's expert testified that the value of the property was immaterial. He claimed that XXXX XXXX loans more money on rental property than it is worth all the time. 

An FHA approved appraisal done in the relevant time frame shows a FMV of {$100000.00}. In addition Bayview admitted to the Indiana Attorney General in XXXX they received no HUD-1 from XXXX. 

At trial Bayview 's witness by the last name of XXXX testified the Defendants we not entitled to disclosure. ( HUD-1 ) He claimed that when 1 of the Defendants signed the original XXXX XXXX Mortgage in XXXX, he waived his rights to disclosure. 

Bayview was fully aware that the prior servicer paid the Defendants Law Firm without disclosure and provided no disclosure.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

I never received notification of the debt. After receiving circular ads and law firm advertisements I followed up and was made aware of suit. Yet, I responded to see who was Midland/ XXXX XXXX XXXX in dispute of the allegations. I'm scheduled for mediation. I have received what's described to be a validation. These documents have affidavits of individuals that I'm uncertain are real and that they are authentic. Since this company has been sued I'm asking for assistance that you would investigate XXXX XXXX XXXX and or XXXX XXXX XXXX in view of these cases. Thank you
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

Navient was not my loan servicers it was XXXX XXXX, one day I discovered that it was now taken over by Navient. In XX/XX/2017, I contacted Navient to inform them about my separation from my husband. I tried to lower the payment to something more affordable, or to at least put the loans in a forbearance or deferment program. At that time I was told I would need pay for a forbearance program for 6mos. So I borrow the money ( XXXX ) from a family member and put them into a forbearance. The forbearance only lasted for three months. This action I was told would bring the loans current, and reduce the payment amount. But instead, the payments then doubled. On several occasion, I have contacted the loan server to get an affordable payment amount. Now, there's a threat to garnish my wages if I do not pay something I can not afford. I am a single parent trying to support my son, I am going thru a very nasty divorce. Due to the student loans, I am unable to secure a new job in my field or a mortgage because I am denied for an inadequate credit score.  Please help I do not know where to turn. 
Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (VA)

The Company sent me a statement to my address and saying that I owed them {$1000.00}. I have sent them several letters telling them that this is not my loan nor did I ever apply for there services. Every time I have sent them a letter to the address it is sent back to me telling me that this address is no longer in service.
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collection Services, Inc. (OK, TX) (OK)

I have tried to Validation 22 accounts that are on my credit report from American Collection Services. I have sent 2 Certified letters of Validation Request and 5 fax request of Validation letter. I did dispute all of the accounts with the credit reporting agencies. XXXX, XXXX XXXX and XXXX. They removed the all 22 accounts off XXXX and XXXX XXXX but didn't removed of XXXX. They stated to XXXX that the accounts do belong to me. But I can't get any information regarding any of the 22 accounts from the collection company.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

In XX/XX/2017, I filed a police report for identity theft. I listed XXXX  as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX  and XXXX removed all the fraudulent accounts including XXXX. Equifax did not. I re-sent the identity theft dispute to Equifax and was told that the dispute information was sent to XXXX. I recently was told to contact XXXX  directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called XXXX in the middle of the loan and gave my information to them which prompted XXXX  to start reporting the loan under my social security number. I was given an identity theft packet by XXXX to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX  form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.
Consumer complaint received 2018-04-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MI)

I make one payment that covers three different loans that I have with one lender, they pull the money out of my account ( auto pay ), but it shows on my credit report the I missed ten payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) on two of the loan, but not on the third. I disputed this with a printed credit report with the issues highlighted and a copy of my bank statement showing the payments on the loans ( same amount as the years before and after ) and a typed letter explaining everything. I was told I would receive a letter back in 30 days to let me know what they found and I never received anything, so I called them and they told me I was denied for some reason they could not tell me and it would be in the letter that I never got.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened account with debit card XXXX and they closed account down as I tried to use account they made me pay XXXX for checks. They charged unneeded fees of about 200 for discriminatory reasons. They also made me pay unneeded fees in another account of 200 plus. They failed to give promotions of XXXX ; they failed to give keep the change promotions, they discriminated against me by closing my account down, they failed to take complaints about fraudulent charges to my credit card of about 8000 for insurance I did not want. They took ideas like Economic Simplicity indicator and photos on id 's to get access to funds if someone steals a wallet with no id 's available
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (IL)

My identity was stolen to use to open Barclays XXXX  card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite my repeated efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has severely impacted my life, causing considerable stress and XXXX. I must stress again that I did not authorize or consent to the inclusion of this information, as I am a victim of identity theft.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Hi, yesterday I found all my chase credit cards were closed without getting noticed. I am very disappointed to what chase has done to me as a very loyal customer. I have never paid my credit card late. And I maintain my FICO credit score above XXXX. Chase is my primary creditor, I will lose all my credit history if chase decide to close all my accounts. My spending on credit card are very normal, no gift card purchase at all. I read through chase credit card agreements. I don't act any violation on any item on the agreement.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

Today, I received a letter from Lexis Nexis, which has a corresponding consumer number & case number. I called the customer service number identified, as the letter stated to inquire about the letter. However, to no avail was the associate able to assist because she was unclear and appeared as if she couldn't do anything. When dealing with personal information etc. it is extremely important to have associates capable of handling specific issues. The letter you sent to me appears vague, doesn't make sense, and clearly was unexplainable by the associate named " XXXX '' in the call center, who was unable provide a reference number or ID number to identify " her '' regarding my call, which is absurd. I requested a supervisor, she stated that they can call me, I requested email communication, Per my request to ascertain accountability, i want email communication. She then stated that someone could email me.

Again, I mailed a letter to LexisNexis located in XXXX Georgia, inquiring about some type of soft inquiry identified on my XXXX Report. I have yet to receive a response from Lexis Nexis, except what I assume this letter is. The leter I received, states that LexisNexis is unable to determine exactly what I was disputingm My request was Clear, concise & to the point and provided with Source based info, proof..

I specifically, want my actions answered and a written response. I did not authorize LexisNexis or any other entity to perform this activity on my XXXX Profile. IF further info is requested later by Lexis Nexis, I can comply as it will mirrior my initial request. Please contact me by email.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018, I had attempted to get a taxi for a trip to and from destinations in XXXX. 

THE DRIVER I HAD ATTEMPTED TO DEFRAUD ME. I'd been told that a small trip would cost roughly {$60.00}, and that my driver would be there to pick me up afterwards. My driver stayed with me at my location, but in the end I was told it would cost me since he had to wait for me. Further, I was told I'd be charged {$250.00} ( in several amounts ) only after the conclusion of the ride ( which was absurd ), and I was actually charged {$280.00}, because the driver thought he could tip himself on my bill. He also told me he would be providing return transportation to my hotel in XXXX. He physically took my card and swiped his own amount on his card reader, he didn't bother to tell me what the full amount was, what I was actually paying for, or a receipt. After my card initially declined, he said that my card authorized for a lower amount, and he wouldn't be able to drive me to my final destination anymore, as I didn't seem to have funds. This is insane. 

Further, when I attempted to contact my bank, the company attempted to validate my purchase by claiming that my signature on the bill matched my regular signature on transactions ( which it did ),  when my original complaint was that I had been overcharged!
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted EXPERIAN 6 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

My mortgage loan was paid off. I overpaid the loan, and was refunded my money back from Chase. Chase then issued me an IRS Form XXXX for that refunded money, claiming it as " other income '' on line 3 of the form, which means it becomes income to me, and due taxes. I have already paid taxes on that money, and now, because of the XXXX, the IRS will want me to pay taxes on it again. 

The XXXX listed is NOT income from Chase to me, but my own money, refunded back to me. I filed a previous complaint with CFPB, case # XXXX. Chase 's response to that claim did NOT address the mistaken form XXXX at all. They didn't even mention it.