davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MO)

I am filing this complaint against Experian. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a XXXX ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on XX/XX/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on XX/XX/2016. I quickly submitted the additional documents required for Final Approval on XX/XX/2016. Afterwards, no further supporting documents were ever requested. 

I waited for Final Approval for more than 2 months. No further documents were being requested during this time, but also no decision was being made by Underwriting. During this wait period, I checked with my mortgage officer every 1-2 weeks. I was concerned because it was widely believed that interest rates would be rising. Each time, I was reassured that the application was with Underwriting for " Final Approval ''. I was reassured nothing else would be required from me. 

But finally after 2 months, the interest rate lock expired. Underwriting never made a decision, but they never asked for more documents either. I was simply informed that the rate-lock expired, and the new interest rate is higher, and so there would be no purpose to pursue the Refinance any longer. The mortgage officer suggested I now consider pursuing the " XXXX ARM '' product with them. 

US Bank and its underwriters, mortgage loan officer and mortgage loan processor did not process my application in Good Faith. They did not request further information beyond XX/XX/XXXX. They had nearly 2 months to make a final decision with all documents and information available to them. They clearly took far beyond a reasonable time to make a decision on the application. They did not uphold their end of the bargain. The rate lock expired while the application sat in their department. It appears they purposefully undermined my application by deferring to make any decision for Final Approval by the Underwriting department, and allowed the rate lock to expire. They did not deny my application. They simply did not make a decision. 

During this time, it was widely speculated that interest rates would rise. And after the rate-lock expired, interest rates were indeed higher. I believe they intentionally allowed my application to expire in an attempt to force me into choosing a riskier product, or at least into paying a higher interest rate.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I have a Citicard that was stolen from me and used to make fraudulent charges between XXXX XXXX XXXX and XXXX XXXX XXXX. I have spoke with Citi Cards approximately XXXX to XXXX time since then ( Today is XXXX/XXXX/XXXX ). Every time I have spoken with them they assure me that the charges are under investigation and will be removed in 5 to 7 business days. This has gone on for over six weeks and yet the charges have not been erased. Every time I call them I have to start the whole story over as though no record is being kept of situation.
Consumer complaint received 2017-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I keep receiving phone calls from the number XXXX XXXX XXXX claiming it is from Chase. I XXXX the number and find that some posts said this is a fraud while some posts claimed that it is from Chase fraud department. I contacted Chase on XXXX and they confirmed that they did NOT contact me and that is a fraud. 

I contacted Chase credit card online and sending them the information above. In response, the customer support just sent me a cookie cutter response saying how I should handle a fraudulent phone call, rather than looking into my email and taking real actions to stop the phone number that I reported. These people are so organized that they set up fake posts on the internet to support it is legitimate and XXXX number that we can call back. I mentioned to the bank that this phone number was dated back many years ago and the bank should at least contact the phone company to block it. My second email received yet another useless response. After 2 more attempts, I realized that 1. Their customer support including their fraud department was poorly trained on how to handle security issues  2. They have no intention to take followup action on my reported incident. 
3. Their response is just cookie cutter response without really looking at the problem. 
4. They do not take any proactive actions even though these people started using the same number and pretend to be Chase since XXXX XXXX. 

I have also attached their last response from Chase in the attachment and indicated how improper about their response even after 3 attempts from me asking them for real actions. 

XXXX XXXX
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

I have limited exact dates of transactions as the company XXXX XXXX XXXX closed in XXXX of XXXX. I purchased several packages from XXXX XXXX XXXX for XXXX XXXX XXXX between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from Comenity Bank asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as Comenity asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. Comenity is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that Comenity Bank received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. Comenity is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.
Consumer complaint received 2015-05-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (IL)

In XXXX I noticed and escrow disbursement that occurred on XXXX/XXXX/2015 in the amount of {$580.00}. After a quick phone call to US Bank, I was advised by a " Sr. Rep '' that a XXXX XXXX XXXX XXXX XXXX requested the funds. I advised the US Bank Representative that I was not familiar with a XXXX XXXX and that I needed this situation researched. On XXXX XXXX, I received a letter from the " research department '' of Us Bank basically advising me that the funds were sent back due to my escrow account being overfunded and the time of transfer. My loan transferred to US Bank in XXXX of 2015. I made my XXXX payment to XXXX XXXX. This was my XXXX mortgage payment ever. 
After being advised that my escrow account was over funded I did the research myself. Per my HUD Statement ( which I have attached ), my initial escrow deposit was {$1200.00}. I made one payment of {$470.00} to XXXX XXXX. If you subtract XXXX MIP payment of {$110.00}, that leaves me with a balance of {$1600.00} which was transferred to US Bank in XXXX, 2015. After these findings, I contacted US Bank again on XXXX. This time I spoke with a senior rep by the name of XXXX. After being put on hold for about 5 minutes at the beginning of the call, I was finally able to go over my payments. XXXX not XXXX acknowledge that there may have been an issue, in fact she stated that whoever she need to contact was not in the office. I advised her that I was not satisfied with her response, and that I was going to escalate this. XXXX 's reply was, " do what you have to do ''. Needless to say that I am a XXXX time homebuyer who also happens to be a supervisor for a mortgage servicing company, and this by far is not how this situation should have been handled. I would like to know why US Bank did not confirm that my escrow account was overfunded before they sent the funds. I know how escrow shortages work, and with my taxes going up for the year, these missing funds will have a major impact on my escrow, thus raising my payment in the coming year. I would also like to know why XXXX XXXX requested the funds without confirming that my escrow was over funded.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (SC)

The lady from the finance company calls as many as XXXX times a day, sometimes within minutes of the previous call. Even when payments have been made towards the loan, she still calls, as early as XXXX days after a missed/late payment. She tries calling from multiple numbers too. It got to the point that we had to block the numbers from the office, and then her cell phone number when she started calling from it.
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

FedLoan Servicing seems to have a practice of deliberately delaying the processing of my XXXX XXXX certification. I submitted my XXXX XXXXt recertification request in XXXX XXXX. I did not receive a recalculated XXXX payment amount until XXXX XXXX, XXXX when my monthly payment was calculated at {$820.00} ( a very high payment, but that 's a separate issue ). Despite having recalculated my payment, fedloans billed me {$3100.00} for the next two months, which I could not afford to pay. 

FedLoan Servicing forced me into forbearance in XXXX, XXXX and XXXX XXXX by delaying the processing of my XXXX payments and thereby prolonging the amount of time before I will be eligible to apply for XXXX XXXX XXXX XXXX ( XXXX ). 

I took a public service job instead of pursuing a more lucrative legal career because I relied on the promise of public service loan forgiveness to make up for the fact that it would cost over {$3000.00} month to pay off my student loans in a timely 10-year plan. By delaying my ability to make qualifying payments and capitalizing interest during those delays, they are making it financially more burdensome to participate in the XXXX program. I enjoy public service and working in the public interest, but I am worried that these delays are going to keep happening and I will never be able to be free from student loan payments.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had opened two separate UTMA accounts for my daughters with Capital One 360. My first daughter 's account was set-up correctly as a UTMA account and converted to a regular savings account when she turned XXXX - we were sent emails prior to her turning XXXX stating her accounts would be converted from a XXXX account to a regular account on her birthday. For my XXXX daughter, they placed the UTMA acronym on the account name, but systemically had it listed as a regular savings account allowing my XXXX child to make withdrawals from the account without permission. When I attempted to correct the problem with a banking representative, I stated I was sold a UTMA account, and it appears I was given something else, and that I was simply requesting they correct the account set-up. I was informed by the customer service rep, that they do not sell or maintain UTMA accounts, but that they just create regular savings accounts and stick the UTMA designation in the account name as a nickname. I asked for escalation as that sounded like a deceptive sales practice, and I received a message response back that did not address my concern about the account set-up, but just to repeat that the account is a regular saving accounts which allows all owners to make withdrawals.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIDELITY CAPITAL HOLDINGS, INC (VA)

I have met and continue to meet the payment requirements however it has been placed in collections. I did initially fail to meet the payment obligation however paid the previouse month and current month XX/XX/XXXX as per a phone conversation with the point of contact. XXXX XXXX who works for XXXX XXXX I experessed to her I don want this to hit my credit she said no problem just pay the last month missed and the current month and continue to pay on time from now on so I have and XX/XX/XXXX it was placed in collection on my credit report. I continue to pay and have all receipts if needed however they report every month I make a payment. I want this pulled off my credit report since they are continueing to accept the payment terms as discuss as well as the fact I have not missed or been late since XXXX
Consumer complaint received 2022-06-21
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - EQUIFAX MORTGAGE SERVI XX/XX/XXXX - EQUIFAX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # : XXXX - XXXX XXXX XXXX  Account # XXXX - XXXX Account # XXXX - XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2017-09-14
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

Our XXXX XXXX Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX XXXX XXXX had a security breach where someone got into our XXXX XXXX  checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This XXXX XXXX Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that XXXX XXXX ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.
Consumer complaint received 2015-03-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

I have a XXXX mortgage with U.S. Bank. I had a loss of income due to a job loss. I needed to sell the house. Because the value of the house had fallen, I was upside down in the house. We had an offer to purchase the house that would leave a {$30000.00} shortfall. We asked the bank to work with us to either take less at close or lend the balance to me. I have been a U.S. Bank customer for over 20 years and have never missed or been late on any loan payment with U.S. Bank or any other creditor. Regardless U.S. Bank did nothing except ask for paperwork regarding the sale, my financial records, etc all of which I provided. U.S. Bank 's inaction over a 2 month period resulted in the buyer canceling the sale, since we could not provide a clear title. U.S. Bank refused to expedite my paperwork despite pleas from my attorney and me to make a decision so that we could lessen the financial loss to U.S. Bank and me. We presented XXXX solid proposals to the our assigned contact, filled out the paperwork correctly, spoke to a supervisor, all to no avail. U.S. Bank did not want to move forward on a simple {$30000.00} decision or provide any solution other than say they were working on it. Why did U.S. bank decide to harm themselves and me by taking no action. Now all parties will incur larger losses.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. 

2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX
Consumer complaint received 2015-10-13
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

On XXXX XXXX, 2015 I received a call from XXXX then I picked it up, a guy named XXXX XXXX told me that he worked for XXXX for grant money. Then XXXX told me that I was qualified for XXXX $ I was excited then he asked me for all of my information including my social number.I gave him all of my info than he transferred to a different number which is XXXX they asked me to send a XXXX $ fee than I could have XXXX {$.00} They have more numbers which are XXXX, XXXX, and XXXX. If those numbers call you do n't pick up and block the numbers.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (AL)

XXXX XXXX XXXX had been trying to collect XXXX to XXXX dollars on a US Bank account I had several years ago that I forgot to close after I moved and was no longer banking with them. I never owed and money or overdraft fees and US Bank was telling me I owed money for not closing the account. When I called US Bank to try and see what I could do to get this off my credit, they had sold the account to XXXX XXXX XXXX This company has multiple complaints with the XXXX for collecting money owed and not paying the debts off. I do not owe any debt! How can I get this off my credit? I ca n't even get a bank account. Please help me. I am a new mother trying to get my finances in order.