davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I am submitting this complaint, because since I've bought my house in XX/XX/XXXX I feel that Lakeview loan services has mishandled my escrow accounts. As a result I've owed almost {$2000.00} in property taxes in XX/XX/XXXX, and XX/XX/XXXX. Each time I was given less than 30 days to pay this amount. In addition my mortgage payments have risen over {$150.00} and may rise as much as {$300.00}. Below is a chronological description of the past 2 years, and the reason why I feel that a complaint is warranted. 

What you won't see is the supplemental tax that I paid in XX/XX/XXXX which was approximately {$1900.00}. You also wont see the mortgage increase from XX/XX/XXXX 0f approximately {$40.00}. 

Lakeview loan services sent me a notice that I have an Escrow Surplus/Shortage of {$1900.00}. On a statement that was sent to me I see an escrow shortage of {$300.00} in the month of XX/XX/XXXX. As of XX/XX/XXXX the same statement shows an escrow balance of {$800.00}. 




In XX/XX/XXXX my insurance will rise from {$740.00} to {$960.00} In XX/XX/XXXX property taxes will become due in the amount of {$3500.00}. 




Lakeview loan services is telling me I have a escrow shortage of {$1900.00}, and if I pay that shortage my monthly mortgage payment will also rise from {$2200.00} to {$2400.00}. My monthly escrow contribution will then rise from {$550.00} to approximately XXXX. 




As of XX/XX/XXXX when I make my mortgage payment of {$2400.00}. take from that XXXX for escrow. I will pay {$1900.00} that Lakeview is saying that I must pay to keep my mortgage from going up to {$2500.00}. When I factor in the balance that I can prove on the statement of {$800.00}. All total that will put my escrow balance at {$3300.00}. Out of the {$3300.00} Lakeview loan services will pay my insurance of {$960.00}. My balance will fall to {$2400.00}. 




My next escrow disbursement will be in XX/XX/XXXX. It will be for property taxes. From my XX/XX/XXXX through XX/XX/XXXX I will make my mortgage payments Each of those months will yield {$670.00} for a total of XXXX. When I total that amount with the {$2400.00} it comes to {$5700.00}. 




In XX/XX/XXXX Lakeview loan services will disburse {$3500.00} to property taxes on my behalf. from the last paragraph Balance of {$5700.00}. That will then leave a balance of {$2200.00}. 




From XX/XX/XXXX through XX/XX/XXXX I will continue to make monthly mortgage payments of {$2400.00}, yielding {$670.00} per each of those months. That comes to a total of {$2700.00}. When added to the {$2200.00} mentioned in the last paragraph the total becomes {$4900.00}. 




The XX/XX/XXXX disbursement to property taxes made on my behave by Lakeview loan services of {$3500.00} that will leave an overage of {$1300.00}.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (MT)

This is in reference to complaint  XXXX . This dispute with  Synchrony Bank/JCP go es back to   XXXX   XXXX   XXXX  . The details are in the previous complaint submitted with CFPB. In   XXXX   XXXX  , I received a status update and the resolution stated that a balance was owing of {$17.00} to  JCP. P lease refer to the previous answer from  XXXX . I responded back through the dispute process that I did not owe {$17.00}. I never received a response back from my previous dispute of the {$17.00} balance owing. Now,   XXXX   XXXX   XXXX  , in checking my credit report,  JCP/Syncrony Ban k is reporting me 90 days past due with a delinquency starting in  XXXX . Again, please refer to the complaint number I have referenced. I contacte d JCP today and was told that I had a {$40.00} past due balance as the late fee that I owed (? ) was never paid there fore interest was accruing on my unpaid late fee. I have never had an unpaid balance, therefore could not have a late fee owing. I believ e JCP h as somehow messed up their data with the original problem of a CREDIT BALANCE showing as a past due balance. They corrected the credit balance by sending me a check but somehow their date still must show that I did n't PAY that amount and therefore a late fee was generated. It is such a mess and my score has gone from  XXXX  to  XXXX  today. I do have the supporting credit report information if that would be helpful. The other issue is that the gentleman I spoke with a t JCP sta ted that the late fee is on an O LD JCP acc ount - how does a late fee just show up on an old account?? Please help me - I frustrated beyond words.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX, XXXX, XXXX, XXXX XXXX, and XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Bliksum, LLC (IL)

XXXX from XXXX XXXX has called my relatives and friends using information obtained outside of information I gave to the original creditor for a personal loan. XXXX impersonated an attorney from a Legal department representing her " Client '' when in fact XXXX owns the debt. She referred to a " case '' and provided a " case number '' and threatened to take legal action by Friday of this week in XXXX county. I have a recording of the voicemail. When I called her back, she original claimed to be a " mediator '' ( which is a court official ) and then gave up on that claim and offered a settlement with XXXX, her employer. The phone number she gave was XXXX ext XXXX. Please investigate this unscrupulous company. There are so many complaints online.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I received a credit change alert on my credit file. I called XXXX and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX XXXX XXXX. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and XXXX XXXX XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently. I want to ensure that XXXX XXXX XXXX is not reporting falsely/inaccurate to Equifax.
Consumer complaint received 2017-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc. (OR)

I lost my wallet many years ago!   This is not my debt. I have reached out to dispute this Matter with the collection Agency, as well with the  XXXX  bureaus. I am doing what I can to fix this problem that is not mine.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (IL)

I had/have a auto loan with Chase. In  XXXX  I had difficulties making payments do to a loss of work after a  XXXX   XXXX   XXXX . Then the vehicle started having significant mechanical problems not covered by the warranty. In  XXXX , Per Chase, I owed {$8600.00} total and they wrote/ charged off the account, I was never informed of this until recently and my understanding is this  XXXX  should have been issued in  XXXX  or  XXXX . I tried communicated with Chase at various points between now and then. I asked to communicate through email as it was easier because I worked nights at the time. I was ignored. Other then collection notices and a late night visit by a repo man, he was arrested, I had no contact with Chase. Fast forward to the present. Chase issued a  XXXX  for {$8300.00} to myself and the IRS , Date of Ide ntifiable action is  XX/XX/XXXX . I included it in my taxes. Now Chase tells me I owe them {$8700.00 } ( {$8300.00} plus interest ) to  close the account as the debt was not canceled or discharged like their  XXXX  form states. Chase informed me I still owe the debt it was not canceled, discharged, or forgiven. Chase then stated that when I pay it off I can fix it later with the IRS. If I do not pay it Chase states they will never do business with me again and my credit report will suffer. Chase refused to issue a fix/retraction for the  XXXX  that they state does not cancel or discharge the debt. The  XXXX  also states on the third page Chase sent me, " The IRS requires us to send you this form when we cancel {$600.00} or more of your debt in a calendar year. It can be all or part of your debt and can be issued as a result of Chase 's decision to discontinue collection activity and cancel your debt. '' Chase states my issue is with the IRS and not them. Chase states I still owe the debt even though it was  XXXX  and already claim as income on my taxes. Further, while researching the  XXXX  topic, it seems that it is almost solely Chase engaging in this ongoing behavior that allows them a tax benefit while also trying to collect a debt they discharged/canceled.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

XXXX Credit card by synchrony financial. Refuses to give me my earned cash back twice! I have gone in person with my attached letter credit card that I use and my drivers license. When I spoke with XXXX and Synchrony who was beyond rude she told me that my credit card was invalid even though I use it daily and the number matches my award. She said that I had a new card mailed which I never have had. I believe this is a scam because they do it once a year and dont have the finances to pay everyone their earned cash. They told me a new card will be sent and to try again which means I have to go back to XXXX if they ever send a new card.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NM)

Opened American Express account in approximately XX/XX/2019. I have never used the card. On XX/XX/2019 received email stating " in XX/XX/19 ANNUAL MEMBERSHIP FEE Cover your annual membership {$250.00}. '' I immediately called American Express about this deceptive and hidden fee. I asked them to close the account and remove the fee. The fee was not due to be paid until XX/XX/2019.  They closed the account but the fee remains. I have never used this card. I have received no services from this account. The only charge on it is their outrageous {$250.00} annual fee. Once this charge was brought to my attention I immediately called and tried to resolve. 

Please have Amex remove this fee and discourage their deceptive business practices.
Consumer complaint received 2017-04-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION (OH)

In  XXXX   XXXX  The IRS notified me I had not reported interest income from CIT Bank for tax year  XXXX . I checked my records and they were correct. I had NOT received a form  XXXX  form from  CIT B ank. I made payment.     I called CIT and reported not having received the  XXXX  for tax years  XXXX  and  XXXX . Of course my  XXXX  tax return had already been filed, and without t he CIT Ba nk interest reported. CIT then sent me the missing  XXXX . In  XXXX  they did send the  XXXX  for tax year  XXXX  as it should have been.     In  XXXX   XXXX  I received IRS notice that I had not reported interest income from CIT Bank for tax year  XXXX , the second year I had failed to receive a  XXXX  form from CIT. This bill included {$860.00} plus {$38.00} interest. Included was {$430.00} penalty.     Predictably, CIT says they sent the  XXXX  so I suppose it is just my word against theirs. However, I received  XXXX  or more  XXXX  every year and because the CIT was for a CD and not a account with active transactions I did not miss not receiving it, or have reason to look for it. I simply did not receive it. Not receiving the  XXXX  from CIT for two straight years but never having had a problem with any other  XXXX  takes this beyond mere coincidence.
Consumer complaint received 2017-04-20
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BTH Management (CA)

On   XXXX   XXXX   XXXX    XXXX     i checked my  XXXX  credit report and saw that a new collection was placed on my report from   XXXX   XXXX   XXXX   for {$310.00} showing an open date of   XXXX   XXXX   XXXX     stating original creditor   XXXX   XXXX   XXXX  . I have no knowledge of said debt and due to my mother and i having the same name and i have had problems with her creditors in the past i decided to take no chances and sent   XXXX   XXXX   a  Debt Validation  letter through certified mail with a read receipt attached in hopes they would be able to send me something that would show that i owe the debt such as : a contract or payment history with my information. I also disputed the debt with  XXXX . About a week later i received a letter from  XXXX  stating the debt was " verified as accurate '' even though i still had not received anything from   XXXX   XXXX  . So i contacted  XXXX  by phone and asked them to reopen the investigation which they did and said they would reinvestigate. Then a week later i received  XXXX  separate letters from   XXXX   XXXX   The first letter dated   XXXX   XXXX   XXXX   was a  XXXX  ebt Validation Notice stating they purchased my debt and if i dispute the validity of the debt i can notify them in writing within 30 days so that they can obtain verification of the debt. The second letter dat ed   XXXX   XXXX   XXXX     was a Identity Theft Dispute Response letting me know to submit a police report for the identity theft. On    XXXX   XXXX   XXXX    XXXX   wrote to   XXXX   XXXX   again through priority mail with a read receipt responding to their letters and again requesting debt validation. I also requested any contract or documentation that ties me to this alleged debt. Then on   XXXX   XXXX   i received a letter from   XXXX   stating again that the debt was " verified as accurate '' even though to this day i have not received any other correspondence from   XXXX   XXXX   I have since mailed out to  XXXX  through ceritified mail with read receipt for Method of Verification due to still not receiving anything from the debt collector. This has caused me great distress as it has affected my  XXXX   XXXX  since it is showing as a recent collection from  XXXX    XXXX  . I am filing this complaint in hopes i can remedy this situation as quickly as possible.
Consumer complaint received 2019-03-09
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NY)

In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX//19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX  did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citibank NA closed all XXXX of my credit cards accounts that I have with them. 
Their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. 
Citibank decision to close all my accounts was therefore unfair and discriminatory.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

The day XXXX, XXXX, 2021 ; at XXXX, I got a notification from Cash App stating an XXXX  Bill Payment was spent for {$860.00}. As soon as I seen this I reported this fraudulent transaction and later following with deactivating my debit card my card was then charged three more times moments after of disabling my debit card. Since then Ive been trying to sort this out with Cash App and XXXX. Cash App itself has failed to help or even update me on the situation! And XXXX  has turnt me away!
Consumer complaint received 2021-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

On XX/XX/2021 someone accessed my Cash App account without authority. They proceeded to sell nearly all of my stocks I owned on there. They sent money to someone for {$33.00}. I didnt authorize this nor do I know the person. The person then removed my bank account and card from my account and then added theirs. They proceeded to withdraw {$2000.00} from my account to theirs. Once it went through the removed that card from my account. I filed a claim and called Cash App Support on XX/XX/2021. They were both automated answers and didnt answer the many questions I have. The pictures attached were taken today, XX/XX/2021, as long with this complaint since Cash App was not able to help me out.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

Trying to get a lower payment and after ruining my daughter 's credit and the co-signer 's credi t Navient, fina lly speaks with us. Now, they offered 2.5 % and a loan payment of {$130.00}. Between a few people trying to help with this, there is no automatic payment from a checking account. IT will be see who can pay or help for the month. They are not accepting this! Really, after not negotiating and talking down to us for numerous months, they wo n't accept this payment without being an auto payment? Now that credit had been demolished, on ca n't even qualify to refinance via another loan company. They should be sued! Unreal.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I made a payment on line and apparently keyed in the wrong bank account number.  Huntington  bank could n't process the payment so they changed me {$55.00} in NSF fees. How can they charge me NSF fees when it never made it to my account? It 's a returned item, not an NSF and they should n't be allowed to change an NSF fee for a returned item.
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

Navient  has done nothing but lie and mislead me on repayment plan available. Raised my payment amounts, kept deferrin my payments instead of setting payments based on my income. Applied payments incorrectly.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CO)

You removed  XXXX   XXXX   XXXX   XXXX  because the company could not provide valid information, they are the ones that removed it and you have put it back on my credit again. This is in violation of the FCRA. Experian is in violation of trying to reinsert information that could not be verified. I am demanding that this information be removed immediately. Unless you have updated information meaning PHYSICAL PROOF, a contract with my signature then you are in violation of section 609 of the FCRA
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.