davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank froze my account illegally and returned all items I had out against the funds in account when they decided to " no longer do business with me ''. Chase Bank replied to my previous complaints and stated that they did not freeze my account. I am resubmitting my complaint with evidence and proof that they did in fact freeze my account illegally, and refuse to honor and pay items that I had performed in good faith with funds in the account. I find it very interesting that Chase Bank responded to your complaints and said they " did not freeze my account ''. That's not what they told my credit union, my mortgage company, my stock brokers, and my creditors. Evidence attached.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.
Consumer complaint received 2019-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (OH)

There was a major tornado in XXXX Ohio on XX/XX/XXXX. My husband and I have a mortgage through Roundpoint Loan Services. We had a fire in our home in XXXX, a flood in XXXX and our homeowner insurance dropped us. We were not insured so the mortgage company placed forced insurance. 
We filed a claim and the forced placed insurance issued a claim for {$83000.00} to the mortgage company for repairs with {$10000.00} for recoverables. Our mortgage owed, not payoff was around {$93000.00} give or take. Our XXXX square foot home is a total loss. We have verbal quotes around {$200000.00} to fix and every contractor states easier to tear down and rebuild than to fix. 
I requested that Roundpoint uses the funds received to payoff the loan and eat the {$15000.00} since they under insured the forced placed coverage AND the property has PMI coverage, they will get their money but I dont feel we have to pay {$15000.00} because they under insured their forced placed coverage that we paid for. They called and told us no they will not use the funds to pay off the mortgage and has started sending foreclosure documents. Also we are actively seeking help from XXXX and the XXXX however this has been a slow process. 
Now the home is full of XXXX mold, they didnt tarp the home when we called the mortgage company. We called countless times asking for their insurance to help and our home is in worse shape. There should be no issue with them using the money in the escrow/ suspense account, pay off the loan while we are trying to get help with a loan to repair with the XXXX XXXX They are tearing up my credit by not using the funds to pay off the loan and I do not understand why my loan can not be paid off. Any assistance would be helpful
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

New escrow analysis reflected inaccurate payment dates for taxes and insurance to create a larger shortage that I believe will actually exist. The new escrow amount will add another approximately {$150.00} to my monthly mortgage. If the actual dates when I pay my taxes and insurance are the same this upcoming year as they were last year, then believe it should only go up by approximately {$50.00} per month. For instance, I paid my city and county tax in 2018 in the month of XXXX. The new escrow analysis has me paying them in XXXX, artificially inflating the shortage I believe.
Consumer complaint received 2023-03-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are erroneous and suspicious. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} ARS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1400.00} CANNON XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire says XX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened date XX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover card decided to close my account based on wrong information provided by another credit card company to my credit, which I advised was being disputed. My history with them of 5 years was clean, never made a late payment or minimum payment and card was 100 % paid off. They are aware the closing will furthermore affect my credit in a negative way.
Consumer complaint received 2018-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (FL)

On XX/XX/XXXX I received a call from XXXX XXXX from Dynamic Recovery Solutions regarding a debt I had never heard of. When asked he said it was from XXXX XXXX? a company i do not know. I asked him how old this debt was and he said it was from XXXX, thus clearly barred. He said he was from XXXX, SC and his phone number was XXXX. He told me it was a valid debt and I had to pay it. He indicated he was working for some finance company who had obviously bought worthless debt and he was pursuing it. Beware!!
Consumer complaint received 2019-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I have a VA loan originated with USAA. Initially, no problems however approximately 2 years ago USAA begun using a Sub-Contract company to service the mortgage, " XXXX XXXX XXXX ''. Since that time my payment due date continues to shift. I pay my mortgage AT LEAST one month ahead of time. With the shifting due dates USAA and XXXX XXXX XXXXXXXX are leading me to believe that the mortgage payment will be due sooner than it should be. I have continuously contacted both companies and each blame the other for the issue. 

This is textbook deceptive business practice. It is purposely going on in order to confuse the consumer and lead them to believe that their mortgage may be late in order to garnish money well before it is due. I have been trying to fix this issue MONTHLY directly with both companies for over two years to no avail.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LINCOLN MORTGAGE COMPANY (TX)

XXXX XXXX XXXX XXXX, TX XXXX XXXX : Case # XXXX : XXXX XXXX Dear Mr./Ms. XXXX XXXX, XXXX, Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 

We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX  with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX Business Review as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' Please note, the text of your response may be publicly posted on XXXX 's website. XXXX reserves the right to not post in accordance with XXXX policy, and we may edit your response to protect privacy rights and to remove inappropriate language. 

We appreciate the opportunity to be of service, and sincerely hope you will contact us for pre-purchase information. 

Sincerely, XXXX  Dispute Resolution Department The owners of the property, XXXX XXXX XXXX, through their agent, XXXX XXXX improperly ran my credit twice before I became a resident. Their inquiry is listed as a " hard inquiry '' even though, I was approved the moment I went in. To this day, they refuse to acknowledge their perverted acts perpetuated by their agents and their leasing staff. 

Once I attempted to gather information to begin a private business, in their facility, they salivated to help, however they only did so when their was no one else around. I shared my business idea with countless people in their front office and told them of my situation, however, instead of attempting to assist when their payment system was down they cahrged countless fees and attempted to evict me BEFORE checking to see why I was unable to unpay. 

Their actions, in conjunction with the Texas Workforce Commission and XXXX XXXX at the insurance company tasked with assisting me following my XXXX XXXX XXXX are the reason I was unable to pay. 

Their negligence lead to XXXX XXXX being fraudulently taken by XXXX XXXX and their agents. Their negligence is responsible for my " eviction '' and instead of helping, they threatened to evict me over 2 noise complaints.
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Am I behind on Payments- Yes! But to keep calling my place of work a million times a day is harassment! This is the second time that I have asked not to call me at work but on my cell phone! I will definitely work out some kind of plan where I can have it deducted from my account each time I get paid but please please please please stop harassing me at my job!!!!!! 

Thank you!
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

This is my third complaint to the CFPB about my Citi Prestige card. In addition to my previous complaints, my card was cut off for " fraud '' reasons today. While it is noble to combat fraud, I was given no indication that this was the reason the card was declined. Instead, I had to call to ask why my card didn't work and answer a number of prompts with a fraud robot, then I was allowed to go through their automated system which makes it incredibly difficult to get to a human, enter all my information again, then got to the agent and she didn't have any of my information, so I had to provide it again. A complete waste of time. Now, I don't even know when I can and can not use my card. The woman I spoke with made it seem like it's some mysterious " system '' that decides when your card gets cut. Not a thing a person could do she claimed, even though this " system '' was created by humans and can be fixed so it functions properly like at other banks. And I was provided no notification there were fraud concerns until I called. She claims they come - eventually. I haven't received one as of the writing of this message. So they are so concerned about their customer experiencing fraud that they cut off their credit cards but don't tell them? What if this was a person 's only form of payment? Now I have no idea when my card will work and customer service couldn't provide any guidance on this mysterious " system '' that cuts off your card when you go to pay a phone bill. As I've said in my previous complaints, this card is marketed as " premium '' but it is trash. You can't even easily access a competent customer service agent - XXXX today told me that my annual fee wouldn't be billed for a year. I had to correct him that it would be billed next month, then wait on hold while he verified I was correct. You have a unit dedicated to this premium card and they don't event know when the annual fee is due? It's a joke.
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

we have had 2 medical hardships that have caused us to fall behind on our mortgage. we've been trying to work through this. we keep requesting mortgage assistance from Select portfolio servicing they deny us every time with a very broad reason. we offered to make a large lump sum payment and then make payments to sps but they declined stating they can not accept any payments. they sent us a repayment plan which doubled our mortgage to XXXX per month for 12 months then they have a huge balloon payment at the end of the 12 months. sps switched our loan counselors every month,
Consumer complaint received 2018-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXX XXXX  Also a lot or inquires In may i spoke to a police officer they gave me a police report I called all 3 beaus with the report number. 

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys
Consumer complaint received 2019-02-09
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. (NH)

Repeated incorrect accounts are added to my credit report by Experian. The information is placed on my report due to a consistent error with my SS # which causes accounts not associated with me to be added to my report. I have reported this several times and have an active dispute with Experian but the problem continues.
Consumer complaint received 2018-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TN)

I am re-opening this case due to the fact that issue was not resolved or addressed. The company in question is and used threating tactics in it's written correspondence of this disputed debt. Which is a direct violation of the FDCPA. Stating in the letter that we have not received any correspondence as it relates to this disputed debt when you have received correspondence from me and stating in both letters " if you don't pay us we will damage/negative your credit on your report ''. I would be happy to provide copies of these letters if you or the CFPB need them. I consider this wording to be very threatening and aggressive. I look forward to working with you to address this concern and issue.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates (GA)

XXXX XXXX XXXX has been calling me nonstop, at least 3 times, EVERY SINGLE DAY!!! Whenever I answer the phone, they told me that they will garnish my wages, that they will take my tax income check, that they will report me to my county law enforcement, that they will take me to court and sue me for triple what I allegedly owe. I've told them to stop calling me. They won't listen.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D2 Management LLC (CA)

I have been repeatedly called by D2 Mgmt. regarding a debt that they say I owe to XXXXXXXX XXXX on an account they say was opened on XX/XX/2006. D2 states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or XXXX XXXX anything, that I am on permanent XXXX and that I will not pay them a XXXX on a debt that I do not owe. D2 representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since 2006 and there has never been an account with XXXX XXXX   shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The D2 rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (DE)

Hello, I recently changed my last name due to marriage. I've tried 3 times to update my name with American Express. I've sent AMEX my new Driver 's License 3 times via www.americanexpress.com/documentcenter. The picture is JPG and is crystal clear. Each time I get a letter from AMEX stating that they can't read it. I'm not sure where the disconnect is, but that is why I have now resorted to the CFPB portal.
Consumer complaint received 2017-11-04
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: Experian Information Solutions Inc. (FL)

Experian knowingly report inaccurate information refuse to comply with multiple request to provide verification of account yet certified the information is accurate. Report number XXXX Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (DE)

My husband and I purchased our first home back in XX/XX/2018. We have made all of our payments on time every month ( the XXXX ). We made a payment for {$1500.00} at the end of XXXX ( which is showing received on XX/XX/XXXX ) but posted on XXXX from our checking account. XXXX Mortgage then took an unauthorized payment for {$150000.00} on XXXX that posted around XXXX. This caused our personal account to go overdrawn. We called and made them aware of the unauthorized payment and they requested bank statements more than once and we havent heard from them in days, so we called them. They needed MORE of the same documents. We also sent documentation showing proof of overdraft fees caused due to their unauthorized charge. Again days went by so we called again on XX/XX/XXXX ( first time being around XXXX when the unauthorized payment came out, then around XX/XX/XXXX ). They said on XX/XX/XXXX that the payment will be reversed for XXXX on XX/XX/XXXX and the overdraft fees on XX/XX/XXXX. We then called our bank to file a dispute because this was taking way too long and was causing more overdraft fees. They gave us the funds back with in 2 days. We then called Freedom mortgage because our account was showing NO PAYMENTS have been made for XXXX ( when two came out instead of one ) and they refunded the {$1500.00} as well when we only requested the XXXX. Due to their mistake AGAIN of refunding the wrong payment we received late charges. I spoke with a guy on XX/XX/XXXX that stated he will submit a request to have the late fees refunded due to their issue as well as the funds for XXXX were on hold with them so he would request to have them applied to our XXXX payment like they were supposed to be, but this was never done and we had to call again on XXXX due to XXXX payment being due. Once again we were told the request would be submitted. Then yesterday XX/XX/XXXX we received a notification that we were reported to the credit bureaus. We also went and made a payment for XXXX and XXXX plus the late fees just to avoid anymore fees or reporting. 

Our payments are due on the first of each month for {$1500.00}. We always make payments on time This place never had any idea what is going on and has us on hold forever to look through notes and they are so u professional. I will never use them again and may be looking to refinance with someone else already and it has only been 6 months.