davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (TX)

I sent a request for debt validation by certified mail on XX/XX/17 and requested, to AMCOL Systems Inc. 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
The company failed to respond to my debt validation request, therefore essentially admitting that the debt in question is inaccurate. Per Texas Finance Code 392.202 ( b ) ( 2 ) this requirement states that the trade line must be deleted from my credit file
Consumer complaint received 2016-02-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

I had moved out of the Property in XXXX due to a job in a different city. I attempted to sell in XXXX, I bought in XXXX so the Property 's value was severely under water. I applied for a short sale through Chase. I was expressly promised a short sale was approved several years ago. I had several offers fall through due to Chase 's failure to timely respond. After losing several offers, it came to Chase 's attention that they need FHA approval. In a letter dated XXXX XXXX, XXXX Chase indicated that the short sale was denied due to a " second lienholder '' not approving. There is no second lienholder. Chase 's failure to properly respond for years has caused me continual decrease in my credit score.
Consumer complaint received 2019-07-25
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: Experian Information Solutions Inc. (OH)

I am filing this complaint due to some fraudulent addresses that are not mine possibility a family member of other relatives. 

XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-13
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (NY)

I have 2 accounts with midland funding and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so
Consumer complaint received 2023-09-27
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I had been banking with BBVA COMPASS ( now BBVA and no problems in the past, actually was extremely happy with them, when i opened my account everything was great and i CLEARLY opt out for the overdraft protection, time after i switched bank accounts, and left my checking account with bbva as a backup, with my confidence that is a free account and i OPTED OUT of the overdraft protection, now few weeks ago tried to log in and see my account and its on XXXX but i can not use it, and i called in customer service they said that my account is negative and no longer available, they transfer me to the recovery department they told me that i need to pay XXXX because my account was overdrawn for a long time, i tried to explain my situation and they dont help me at all, they told me that they can help me at the branch, so i went to the branch located in XXXX XXXX, Texas @ XXXX XXXX XXXX and the guy at the main desk ( XXXX ) offered no help at all, he mentioned right away that they can not do anything for me, i tried to explain him that it wasnt my fault, that i was not aware of the situation, a payment, which i switched before, went through, declined, and caused me that, but again, i opted out for the overdrawn protection and was not aware of this practice. So at this point i tried to ask for help for all the means ( phone, manager,  branch ) and BBVA offers me no help, and the only thing that i want is my Bbva checking account again ...
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (MS)

They called repeated times after I disputed and asked for itemized statement of my XXXX account I had to block the number they then began to change number they called from in attempt to pass my block and I never got my itemized statement.
Consumer complaint received 2018-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

In the year of XX/XX/XXXX I attended the XXXX XXXX XXXX online for a XXXX XXXX. During that year The company XXXX XXXX XXXX agreed to tuition reimbursement. I completed the program with As in XX/XX/XXXX. The advisors then called and emailed me constantly to coerce me to continue studies in the XXXX program since I did so well, I explained that my salary was not enough to pay more loans, and they told me that they would guarantee me they would help me with finding a job in the {$100000.00} range that would improve my station in life. There was urgency due to classes beginning soon. After constant calls and emails I agreed to enroll after assurances that I would earn a high salary and be more comfortable in life. I continued with reimbursement program from the company. When I completed he XXXX program my grade point average was XXXX and I was congratulated. I contacted the XXXX for help in finding a job, I was told to enroll with all the job boards which I did. I also asked for a job with the XXXX  and wad told they were not hiring and continue with the job boards. I received no contacts from my resume submissions. I contacted the school and got no help. The only thing they were willing to do was defer payment and offer forbearance for the next nine years. Now the eligibility for deferment/forbearance ended and I am being harassed by Navient every day and several times a day. I explained that I was still in the same job that I started with with no raise or promotion. I was in the same status until XX/XX/XXXX when I was in XXXX XXXX and had to retire. I contacted Navient and asked  for a history of my account because they were not showing any payment on the account ever, I asked to have the account history sent to me in writing since my companys tuition reimbursement was used to pay for classes. 

I have not received anything yet and they continue to call me. I did not receive any benefit from attending the XXXX XXXX XXXX and with the interest added to the debt has made it untouchable with my earning status.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

Citibank refused to remove late fees and a resulting interest on purchase fee even after I explained that I had a few really horrible months. I was a customer for years and never late and they could not extend me this courtesy. They take advantage of consumers. I had a few deaths in the family, called to explain and they did NOT remove the late fee or interest fee. The late payment ( a whole 2 days ) triggered an interest charge as well. Seems to me that they wanted this to happen so they could collect these fees. They claim that they COULD NOT take the fees off. I do n't believe it. I have XXXX credit cards and a checking account with Citi. They could have been more understanding for someone like me who is never late. I feel that they are using these fees for their income. I closed the account and will close my checking with them as well. They are crooks and liars.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (PA)

Hello, I 've read that on " XXXX '' about the limitation for loan forgiveness only extends to 120 days after the last disbursement. 
However, as a recent graduate of XXXX XXXX XXXX, XX/XX/2016, I am concerned about my current situation. 

On XX/XX/2016, all students and recent graduates received emails about the school 's immediate closure following XX/XX/XXXX. My concern is that I now have a debt approximating nearly {$40000.00}, most of which comes from my enrollment at XXXX. 

After two years spent of my life, I now have a degree. However, it amounts no more than a piece of paper, from a school now known nationally to have been discredited by the department of education, forced to close, and shall soon no longer exist. 

This worries me because of the large debt I have incurred, expected to pay, and a resume which lists a graduate from a school that is tantamount having attended no school at all. Is there any way to contest the repayment on this debt? Thank you.
Consumer complaint received 2016-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

I have received repeated automated phone calls ( robocalls ) for several months from a company that identifies itself as the Law Office of Arnold Scott Harris PC, debt collectors, and asks to be called back at XXXX. The calls originate from XXXX. The message does not state any name of the supposed debtor. I do not owe anyone any money and I want the calls to cease. Posts on the internet from other victims say this is a scam and that the Illinois Attorney General has declined to prosecute.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited a check issued by my wife ( from a XXXX XXXX XXXX  account ) to my JPMorgan Chase checking account. A day after the deposit, nobody at the local branch could help me clear the funds and referred me to an XXXX number. On XX/XX/XXXX, nobody answered that number and I was prompted to leave a voicemail. On XX/XX/XXXX, I received a call back from XXXX, a Chase rep, not to help me but to write down what my problem was so that it can be submitted for someone else to work on it. Even though the call was being recorded by JPMorgan Chase, I was told I could n't record the call when I advised I wanted to record for my records as well. The Chase rep stated that JPMorgan Chase policy did not allow her to help me if I did n't explicitly stated that I was not recording the call, she also said she would have to hang up the phone and nobody would work on my problem. Expecting this problem would get resolved quicker, I obeyed and did n't record the call. I did advised her that every day without the funds I was incurring losses on investments. On XX/XX/XXXX, XXXX, a Chase Operating Loss Prevention Sr. Specialist, advised that Chase did n't have a way to check if check had been paid by XXXX XXXX XXXX on Consumer Accounts, only Business Accounts. The case was assigned to XXXX at the Chase Consumer Exec Office. XXXX advised funds will be available XX/XX/XXXX. On the deposit receipt, it stated funds were going to be available XX/XX/XXXX!! Today it is XX/XX/XXXX and check funds continue to be on hold. It is very frustrating that consumers have to be at the mercy of the biggest banks of this country, in this case continuing to earn interest on money that 's put on hold for however long they want. Apparently no organization or government agency can hold them accountable for their actions.
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank provided me XXXX different visa debit cards for the same business account. In trying to obtain help on which to use, TD Bank had me on hold for over 15 minutes, playing advertising continuously the entire time, which means that it was not even possible to turn down the volume and wait for a voice. Also, no call back option. They have proven themselves the opposite of their slogan " America 's Most Convenient Bank '' and have egregiously wasted my time.
Consumer complaint received 2016-09-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened citigold account XX/XX/2016 with a promotion code which said will provide XXXX TYP points once I make two consecutive monthly bill payment. After I applied the account online, I called to their service center and the agent confirm the offer. After I reach the requirement, I online chat with citi agent, and they confirm I met the requirement, and will receive the points after 3 month from the day I opened the account. When the time came, I did n't receive anything, and I did the online chat again, the agent once again confirm that I will receive the points, and asked me to wait. After another month, I called to the service center, the agent helped me to submit a points request, after 10 days I recieved a mail claimed I 'm not target to the promotion, so I wo n't be able to receive the points. I called another two times, they all end up with a mail with the same not target answer.The third time they ask me to fax the online chat history as the proof that their agent promise me for the points ( they should be able to achieve all those information, since they recorde all the phone call and chat record ), I did saved the chat history, and I fax them the whole chat, but at the end I still on receive the same mail with the same answer. I 'm so fraustrated and end up close the account. But recently, I saw many people got the same situation and be awarded the promised promotion bonus. It 's so unfair.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MI)

I reported and disputed charges on my XXXX XXXX XXXX Credit Card XXXX XXXX in XXXX XXXX for additional charges placed on my credit card for items I did not order or receive. I only ordered four {$45.00} items but was only sent and received two {$45.00} items ( A total of {$90.00} XXXX. for those two {$45.00} items. The remaining chargeson my credit card are bogus. I filed a dispute and submitted supporting documentation to XXXX XXXX whom failed to resolve this issue. Instead XXXX reversed the charges of {$850.00} back to me for me to pay for merchandise I never received.The company in question is called XXXX XXXX XXXX whom falsely advertises and represents themselves as XXXX XXXX XXXX.. I now know this is not a XXXX store but rather a fradulent company operating out of XXXX. Their website is XXXX XXXX ordered I placed on XXXX was for tour items at {$45.00} each. Four items were ordered but only two itits were sent and received. The Merchant individually sent the two items with seperate packaging and seperate tracking numbers each package weighed 1 pound. When I addressed this issue with the Merchant requesting my two remaining items the Merchant simply replied that no other items will be sent and no credits will be placed on my credit card. I reported and sent this correspondence to XXXX XXXX to help assist with their investigation. XXXX have failed in their lending practices and is upholding a fradulent company. I now have a fradulent credit card charge and bill for {$850.00}. 

Thank you, XXXX XXXX
Consumer complaint received 2015-07-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.
Consumer complaint received 2018-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Hello! I have had a VA mortgage with XXXX XXXX for the past several years. I had absolutely no problem with their customer service and was always on time with my payments. XXXX sent a letter in XXXX letting me know that my loan would be transferred to LoanCare as of XXXX. I work in the XXXX industry so understand this is a normal practice. 
In late XX/XX/XXXX I prepaid my XXXX property and school taxes to my county ( ~ {$7500.00} ) and called XXXX mortgage to let them know not to make the XX/XX/XXXX payment and to inquire if I could decline an escrow account going forward since I have had my loan for more than 12 months, have made timely payments, and am ~55 % LTV . The agent explained that I can decline escrow however LoanCare would begin servicing my loan on XX/XX/XXXX so it was best to wait until then to take action. 
This began a 2 week odyssey of trying to get information from LoanCare on my mortgage loan. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the computer service either gave me an odd busy signal or hung up on me while I waited on hold. I called again on XX/XX/XXXX and after waiting on hold for 15 minutes for a customer service agent, was told that LoanCare had not processed my loan into the system yet and it could take a few weeks. When I asked if I could be moved up the priority list because of my escrow questions/information i was told there is no way to do that and to call back a week later and it would probably be in the system. In the meanwhile I have been going on the website with my loan # and social security # to see if my loan is entered and everytime i try I get the error message " no records found. '' I called again today ( 1 week later ) twice and both times, after sitting on hold for 10 minutes, the computer system voice told me to enter my phone number and someone would call me back. 
This is the worst customer service I have ever experienced. There are several issues here : 1 ) I have not made a mortgage payment yet for XXXX and am not going to send the $ until I know that they have possession of my loan in the system and accurate records. 
2 ) I do not want them to make a payment on my property/school taxes due on XXXX because i have already paid. If they make the payment it 's a financial loss to me and a lot of time on my end to try to have my county refund the payment. 
3 ) I have been waiting for weeks to have my escrow account turned off, the money in the account returned, and my new payment calculated. This is $ $ $ that LoanCare is earning interest on and I am not. 
4 ) I have a right to my full loan information and 2 weeks have gone by where I can not access it.
Consumer complaint received 2016-06-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I recently applied for a HELOC modification with Bank of America. I use to work in loan modification, so I know / knew to only submit the request if I fit the guidelines. I was told that my income was XXXX per month. I have asked several times where and what numbers did they use to get that figure because my employment income is {$32000.00} a year ( XXXX per month ). My HELOC payment went from {$180.00} per month to {$440.00}. I want to pay this loan, but ca n't afford that much of a increase. During the process I was subjected to numerous request for the same docs over and over, to find that the REP gave me the wrong fax number. It was mentioned to me that some of the docs I sent was placed by the scan team in the wrong place. This could be the reason for the inflated income. Perhaps they used things for income that just is n't true. I have one job, the income should be easy to calculate. I have detailed dates and times and request I received from them with confirmation of docs being sent.
Consumer complaint received 2018-01-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

XX/XX/XXXX Modification granted ( All taxes and monies calculated ) XX/XX/XXXX- Caliber messed up escrow analaysis overcharged for payment XX/XX/XXXX- Escrow department issued a surplus credit ( {$370.00} ) XX/XX/XXXX- Escrow department states the account has a XXXX Called rep for Caliber on XX/XX/XXXX and asked why {$660.00} added to my XXXX payment and they stated in XXXX XXXX, they did an escrow analysis and I was short. So in XXXX I need to pay this mystery shortage. I asked for a supervisor because the associate was at this point not very helpful and I was told the supervisor was not available. I emailed a request for an explanation. The bank is unable to show me where this mysterious shortage came from