davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I tried opening a checking account with HSBC on XXXX XXXX 2016. Followed all the instructions and initiated opening balance of {$1500.00} to be deposited into that against my application id. Payment also went thru. After that i just keep on getting emails from HSBC - somebody sitting in XXXX asking me to send the driver 's license, utility bills etc ... all done within the next 3 days. So around XXXX XXXX 2016 - all the formalities were done. I just have my application id and nothing else from them. HSBC expect the customers to know about their secure messaging system to communicate with them which is quite a task also. 
Now after the wait of more than 2 weeks ( when i did n't got any email or communication in terms of what happened to my account and the deposit ) -i called them up. They asked me to call to their call customer in some peculiar time zone ... i called ... they were totally clueless why my account is not created and what all is needed from their side. In spite of providing all the documents in time and doing all sort of follow up - i have no idea where i am in this account opening process? What happened to my deposit also? Moreover i opened this account with the promotion code ... i need to have direct deposits within 120 days ... if this is the pace HSBC work - then definitely i will miss my promotion also ... .most importantly why they are troubling the customer so much in terms of account opening process?
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I reached out to XXXX XXXX from Wells Fargo Home Mortgage to get a mortgage loan. She was the main point of contact as she was the preferred lender from my home builder. She helped lock in a mortgage rate of 3.25 % after running a credit check back on XXXX XXXX. I told her that I was happy to proceed with the mortgage loan since my previous lender quoted me a rate of 3.668 % and she charged my credit card for an appraisal. I went ahead and worked with the underwriter by sending them all my financial documents. I had difficulty reaching XXXX ever since our first contact because she never returned my calls or emails. She went AWOL on me. I found her at her office on XXXX XXXX and she told me everything was going smooth and not to worry. I learned later that my appraisal was never sent to the home builder and I could not get hold of XXXX. She later tells the underwriter to stop processing my mortgage loan since I was going with my previous lender but I never communicated that message to her at all. I even told her that I could not reach you so there was no way for me to relay that message to her. On her own, she decided to stop processing my mortgage loan. By this time, I had less than 30 days to close escrow so I could not shop around rates any longer and had to go back with my original lender so I could close on time. XXXX XXXX did not process my mortgage loan that she promised me and decided to ignore any messages/calls that I sent her. I lost out on getting a good mortgage rate and the ability to shop around for rates since she deceived me into thinking that she was working on my mortgage loan but never did.
Consumer complaint received 2016-02-02
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (OR)

After a terrible experiencing using the American Express ( AMEX ) Serve Card my account is closed. On XXXX/XXXX/XXXX AMEX sent me a letter [ CFPB ref No : XXXX Ref : XXXX ] stating for me to once again call their Customer Service Account Protection Services @ ( XXXX ) XXXX to obtain my account refund of {$450.00}. ( image attached ). 

I have contacted them over 5 times ( usual delays, and communication with their operations are horrible ), the most recent was on XXXX/XXXX/XXXX and I was told very clearly that in 48-hours my refund will be mailed to my confirmed address registered with AMEX. 

It is now XXXX/XXXX/XXXX and I have NOT received my account balance which AMEX owes me. 

I intend to pursue the collection of the money that AMEX owes me to the full extent of the law.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

around 2012 i was a victim of indentity theft, they used my id to file taxes in California and get to phones from XXXX and XXXX, I didnt know until i pulled my report recently and I filed a police report, I also contacted the IRS and the creditors XXXX and XXXX who said they no longer had those records and sold in to XXXX enhanced recovery, I called them and they are unable to validate the debt, this is hanging on my credit and its not mine, XXXX promptly removed it they are in violation of the FCRA and I have several letters sent certified and they still say validated but provide me with no proof they say they only have a name a ssn and a last amount owed and a creditor nothing else. Please help me I am trying to buy a home
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

Please be advised that I see no other recourse but to file a complaint against XXXX XXXX Bank XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least XXXX times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, XXXX states an XXXX XXXX deletion date and Experian states a XXXX XXXX deletion date. In essence, XXXX XXXX XXXX XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX Bank XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
Consumer complaint received 2016-04-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (CO)

XXXX XXXX, There are numerous issues that have arised from your responses that I will ask to be answered one at a time through individual complaints using the CFPB site. Several of my questions were not responded too in my first complaint. 
First off I have been provided XXXX Mortgage Transaction History reports from the same Loan account that do not have the same dollar amounts posted on the Interest paid colum on the date of XXXX/XXXX/XXXX. 
Below you will find the Amounts of XXXX XXXX/XXXX/XXXX transactions from " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West. This Transaction document has Interest paid amount of {$570.00} on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Payment Fees Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$400.00} {$23.00} {$72000.00} Below are the Amounts of the XXXX XXXX/XXXX/XXXX transactions copied from the " Mortgage Transaction History '' that XXXX XXXX provided in his response to CFPB site on XXXX/XXXX/XXXX. The interest paid amount on this document has {$400.00} interest paid on XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX Payment Fee Interest Principle {$72000.00} XXXX/XXXX/XXXX {$170.00} {$170.00} XXXX {$72000.00} XXXX/XXXX/XXXX {$420.00} {$170.00} {$230.00} {$23.00} {$72000.00} Auto payment, satisfied XXXX/XXXX/XXXX, late charges paid of {$170.00} Both of these transaction statements show that the {$170.00} was paid before the {$420.00} transaction. Actually it was when I looked online and saw that " AutoPay '' debited only {$420.00} for the monthly payment I then made the payment of {$170.00} so the monthly payment equaled {$600.00}. 

This would make a {$170.00} discrepancy on Form XXXX for tax year XXXX. 

XXXX XXXX, please explain which Transaction document is correct? If the Transaction History you Provided in your response to CFPB site on XXXX/XXXX/XXXX is correct it brings up a new problem. 
The Interest Paid total on My " Form XXXX Mortgage Interest Paid statement '' for tax year XXXX, is {$170.00} higher than the Interest Paid total amount from all XXXX interest added from the transactions stated on the transaction history you provided on XXXX/XXXX/XXXX. 
My accountant said he will be glad to amend my XXXX Federal Income tax return to reflect the correct dollar figure. 
I am certainly not paying this Income tax return amendment as this would be a BOTW mistake. 
Please provide correct interest paid amount for XXXX tax year on a revised Form XXXX. 
I have enclosed a copy of the " Complaint XXXX '', " Complete Transaction History '' that XXXX Provided in XXXX XXXX from Consumer Loan Servicing Department Bank of the West as well as " Mortgage Transaction History '' that XXXX XXXX provided with his response on XXXX/XXXX/XXXX to CFPB site. 

Thank you in advance for acknowledging and answering this request. 
Sincerely, XXXX
Consumer complaint received 2016-12-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

This debt again was charged off XX/XX/2012 I would like to please have this debt collection agency stop reporting this old debt on my credit report. 

I am a single Mom and trying to put a roof over my daughter 's head no will rent to me with this on my credit, we are still homeless trying to move forward. All I can do is keep reaching out to your firm for assistance with these debt collectors.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (TX)

this company is been reporting on my credit report for so long, XXXX needs to be removed its been on my report since 2010 and based on the law it should be removed for my report. this account is preventing me from providing a better housing for my family.
Consumer complaint received 2015-04-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (OK)

I have been unable to make payments due to my decrease in income as of XXXX 2014. However, there are actually several of these " loan shark '' companies in town that I unfortunately became involved with to do business when I had been low on money in the past. It is a nightmare to even try and pay XXXX off because they always entice you to re-borrow. And once I tell them I am unable to pay anything at the time it is due they continue to ask questions of when, or cant you borrow from someone, and then proceed to call daily. They call my cell phone, which is part of my business, they call my professional business office where I am a XXXX and have sessions with my clients. They have even came to my office, came to my home, where my husband 's XXXX is located, and then even proceeded to contact me on my private social media via messenger. ( XXXX ) They call everyone on my initial application and harasses them as well. I even asked them not to call or even let my husband have knowledge that I was applying for a loan as he would be angry. However, they violated my confidentiality and even proceeded to come to my home, and spoke with my husband on XXXX occasions that I know of. NIGHTMARE!
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

Equifax reinserted an account by XXXX Bank and Trust, which the creditor requested to be deleted. This occurred after deleting all of my inquiries and positive accounts for no apparent reason dropping my credit score XXXX points within a month 's time. Enclosed is a copy of a letter recieved from the fdic.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (TX)

Nelnet reported my student loans as delinquent, when in reality, my university ( University XXXX ) failed to report my enrollment correctly, resulting in over XXXX negative marks on my credit score. Nelnet claims that my Enrollment Certificate is not enough to prove my enrollment for debt purposes, and though the fine print of the document says 'This document should not be used for loan deferment verification purposes ', I believe this is not an issue of deferment, rather it is proof that my loans should never have been due in the first place.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (ND)

Approximately, at the beginning of XX/XX/XXXX I attempted to obtain an annual credit report from Equifax. Equifax did not have suitable information to provide my report and this information was conveyed to me via letter. Said letter is dated XX/XX/XXXX This same letter is addressed with an apt XXXX number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents. This letter is addressed with a unit number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX XX/XX/XXXX. Equifax demands I provide documents proving I reside within a Unit rather than an Apt XXXX Equifax has sent me a letter at the same address with both Unit and Apt XXXX designation for my apartment number. Evidently, Equifax knows more about my abode than I do, yet will still not provide me with access to my credit report as required by law. XXXX, XXXX and XXXX have all provided me with my credit report to an address with an Apt XXXX designation. This complaint is the second complaint I have filed with the CFPB about the same subject matter. Please see attached documents from Equifax, XXXX, XXXX and XXXX mailing correspondence to an Apt XXXX designation. Yet again Equifax has skirted compliance with federal law.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

The dispute case number attached to this complaint is for Equifax, confirmation # XXXX. I have disputed these unauthorized inquiries with both Equifax and the creditors and each entity has not done anything about removing these unauthorized inquiries. I simply want these unauthorized inquiries removed from my Equifax report.
Consumer complaint received 2015-12-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

I have had my loan with Westlake financial for 26 months, however on my credit reports they have only reviewed XXXX payments. This is effecting my ability to get a home loan and also my credit score, a home loan requires atleast 12 months of review to be considered an active line.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

UPON HITTING THE FINAL 'SUBMIT ' KEY, THE QUESTIONS TO ESTABLISH MY IDENTITY CAME UP ; I ANSWERED THEM TRUTHFULLY AND WAS TOLD THEY WERE INACCURATE AND I WOULD NEED TO WRITE A SNAIL MAIL LETTER TO CONTINUE IN MY QUEST FOR A FREE ON-LINE CREDIT REPORT ; IF THOSE ANSWERS WERE INCORRECT, SOMEONE HAS USED MY IDENTITY. AS I DID N'T HAVE ANYTHING INACCURATE IN MY SOCIAL SECURITY REPORT, I WAS UNAWARE OF ANY OTHER USAGE OF MY SSN. 
THANK YOU WARMLY IN ADVANCE FOR YOUR ANTICIPATED ASSISTANCE,
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DE)

I fell behind in my payment and currently owe 2 months of payments and late fees, but the mortgage company has made it impossible to make my payment either online or by phone unless I pay the total amount I am behind. This is making it difficult to keep from falling further behind as I must now mail a check for one month 's payment. They also will not record the amount of the payment I am sending in unless it is the full amount which is causing me to incur further late fees.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I attended a school that was closed down just a couple months after I had signed up. The teacher refused to come to school due to their pay being cut as well leaving us with out a correct attendance.. I have tried to explain to Navient the situation. They mention they were unable to do anything I pushed the matter further and have spoken to many of the higher authority which was just circles after circles. They mention they did n't have any information that I will have to contact department of education. I requested my transcript in which information was incorrect I have never signed any paper to withdraw. I had to go through department of guartuneeship. I was forced to pay the full amount unable to settle I am a single mother that is trying to make a better life for my children and purchase a home the only way I am able to was to pay this off. The customer Service was horriable Navient did not report to my credit for two months making my credit go down. After I contacted them after payment they mention they were unable to see my account!
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently as well. 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 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (VA)

Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MS)

I was charged a large amount of money. My college also closed down and I was not able to transfer and it finish school ... they did n't want to help ... it took almost a year and they only forgave XXXX dollars ... .I 'm still not able to finish school. I 'm too if that I am very confused on how they operate.
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

This. company Helvey & Assc appears on my credit report for {$55.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I am a service XXXX veteran, working diligently to sell my underwater, undervalued property in XXXX, Georgia XX/XX/XXXX. Have been approved for short-sale twice! 

What happened? 
XX/XX/XXXX Chase mortgage asked for an unfair price of $ XXXX for our property valued at $ XXXX. Our real estate agent forwarded recent area sales " comps '' to support the fair market price of the recent offer of $ XXXX by the fully qualified and approved buyer. Chase intentionally frustrated the buyer by dragging out weeks to respond to inquiries by the XXXX XXXX XXXX agent on file to sell our listing. The listing agent has not received a response from Chase concerning the rationale for asking for such a ridiculous price for the undervalued property. The qualified buyer walked away from the deal after receiving the counter-offer asking price from Chase. 

Harrassment - Chase continues to send letters after each failed offer to board/secure the property to protect their investment and mine. The property has been actively listed for the past 30+ months. The property has been regularly maintained. The letters received to secure the property demonstrate intent to frustrate the sale of the property, cause distress, anxiety. 

This is my SECOND compliant. Chase does not demonstrate its " mission to support service members ''