davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

One XX/XX/2018 I sent a letter to Portfolio Recovery Company requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

My father passed and I'm living in the house. I sent financials and request for mortgage assistance several times. The property has a property foreclosure sale date set for XXXX. Select Port Folio has been unwilling to help me with getting the mortgage straight, I don't want to lose the house to foreclosure. They have put force place Insurance coverage on the house when I had proof of coverage and a bill sent to the mortgage company to be paid.
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SLM CORPORATION (PA)

was denied credit because all my mortgage payments were current / basic being denied for having good credit / but if you look at the wordage in the letter is to confuse the denial letter / when I ask him is a practice to denied XXXX I was quickly transferred to a supervisor and he apologize for the wordage and said he was going to look into the letter and why I was denied / no respond letter as of today /
Consumer complaint received 2018-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me. 
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I have XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and a XXXX and XXXX XXXX. I had my XXXX XXXX VISA for over 10 years, and I paid the balance off earlier this year. I had XXXX recently and I have had a difficult recovery. Apparently, the annual fee was charged in XXXX, and I missed the statement email saying that. On Saturday, XX/XX/XXXX, I got an email saying that Chase closed my card because of this. I immediately called, explained my situation and that I could send them proof from my doctor and said Id be happy to pay the annual fee but asked if they could please reopen the account. I was told no because Im now considered a risk to the bank. Seriously? A risk to the bank? How? I spoke with three levels of Supervisors who all told me the same thing. Im so upset. I cant believe they wouldnt understand a serious medical issue after all of my years with them and that I was obviously a good customer because I had a {$19000.00} credit line on this card.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I submitted an online application for a capitalOne savor credit card and after the process I was approved and received a {$30000.00} line of credit on the credit card. I immediately called capitalOne and stated that I did not ask for a $ XXXX line and said it was too high and that I wanted to reduce the line to $ XXXX. This call with capitalOne was 5 minutes after the credit card was approved online. I was told that if I reduced the line to $ XXXX it would adversely affect my credit score. I then requested to cancel the account and was again told that if I did it would adversely affect my credit score. I have an excellent credit score and work hard to keep it that way. I am a very frustrated consumer. When you go into a bank and apply for a loan you state the loan amount requested so why can a credit card company unilaterally assign you a line of credit on a credit card? 

My issue : how can a credit card company unilaterally assign you a line of credit without first checking with the consumer and giving the consumer an opportunity to request that it be lower? This is an example of unfair credit practices and I feel that the CFPB should take action to protect consumers like me and to prevent unfair credit practices such as this one.
Consumer complaint received 2018-09-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NV)

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I had sent a money order to USAA Bank to deposit into my checking account. I had sent this money order express mail on XX/XX/2018 and the express envelope got to the bank XX/XX/2018. I had tracking on the express envelope. I called the bank the next day XX/XX/XXXX to make sure the envelope got there and that the monies were deposited to my account. The representative that I talked to said that there was no envelope and that it would take 24 hours to the next business day to process the money order. I called a couple of day later and the representative said that there still no sight of the envelope and it would take 48 hours to process. I call again a couple days later ( XX/XX/XXXX ) and the representative said that was no envelope and that an investigation would be warranted. I get a call from the USAA bank investigator and she said they found the envelope, but the money was not in envelope. Either it was misplaced or taken out for unknown reasons. This bank took two weeks to find an Express envelope I sent to them two weeks ago and then when they do find it, the money is gone. 

Tracking for money order - XXXX
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-09-08
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: Experian Information Solutions Inc. (IL)

Im disputing XXXX XXXX XXXX XXXX Account # XXXX. The reason for dispute is because I had and agreement with XXXX XXXX on the date of XX/XX/2018. XXXX XXXX agreed that I would receive the proper repossession paperwork on the date of XX/XX/2018. Exactly 14 days from my request or all previous agreements and arrangements between XXXX XXXX and I will become null in-void. I never received this paperwork. XXXX XXXX even asked for and extension of 30 days. It is now the date of XX/XX/2018 I still have not received this paperwork. Failure to validate debt in 30 days is Furnisher FCRA rule 660.4 ( e ). Also Furnisher rule 660.4 ( e ) states inaccurate dates of account activity and payment is a violation this account also has different dates of account activity between CRAs. If you as the CRA does not remove this account immediately that means you will be in violation as well of FCRA ACT section 1681s-2 ( a ) which is willing and knowingly reporting inaccurate information. I have and ILLinois States Attorney General claim for this matter as well case # XXXX. I suggest your CRA removes this information right away before I also file claim and suit against your bureau as well. Item has already been removed by XXXX. I have all supporting proof and documentation to have this account removed immediately. 
Attached documentation are as follow no particular order. First communication with XXXX XXXX Thru CFPB on XX/XX/2018. Next document is first letter agreement of 14 day response from XXXX XXXX. Following documentation is extension for additional time letter sent by XXXX XXXX. Documentation of follow up letter sent by me after XXXX XXXX violated the agreed upon dates. I have certified mail receipt attached for proof they received letter. Also attached is credit report proving inaccurate payments and inaccurate dates of activity. Also proof of deletion by XXXX of this account.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/XXXX, my account had fraud actiivity. Someone ( XXXX XXXX check # XXXX ) wrote an echeck forging my name, and citizens let the check go through, when i found the fraud check, i called citizens bank and they were aware of the scam, same check number different customers. Now i have overdraft fees and citizens bank ( XXXX said they would reimbursement me for the XXXX in overdraft fees and now they said they can't until the investigation goes through. Now i am out, {$390.00} for the fraud check and XXXX for overdraft charges. The bank rep said his manager would not give me a courtesy refund until the investigation is complete which could take months.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have been an accountholder with Bank of America for some years now. Last year in 2017 there many unauthorized charges made to my credit card with Bank of America which I was unaware of. I have since continued to make timely monthly payments on the account.
Consumer complaint received 2018-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

I am appealing a foreclosure with the Illinois XXXX District. 
My loan was with XXXX XXXX XXXX and then XXXX XXXX XXXX and finally Green Tree Servicing. 
A fraudulent, robosigned " assignment '' was used after XXXX was no longer an active business by a foreclosure mill law firm. 
The actual owner of the debt is XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
The correct party who has standing to foreclose would be the Trustee of the XXXX or XXXX securitization pool. XXXX XXXX and XXXX XXXX were " bailed out '' by taxpayers in XX/XX/2008. 
HUD Memorandum XXXX found the XXXX  XXXX XXXX had robosigned assignments and a {$XXXX} XXXX Mortgage Servicing Agreement was Filed in Federal Court
Consumer complaint received 2018-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (MO)

Consumer Collection MN is falsely reporting on my credit reports and its stopping me from obtaining credit. Account # XXXX / XXXX / XXXX in the amount of {$190.00}, {$90.00}, {$200.00}, {$100.00}, {$230.00}, {$70.00}, {$970.00}, {$180.00}, {$280.00}, {$110.00} * Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is  perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
Consumer complaint received 2018-11-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC (TX)

I was charged twice in the month of XXXX for my auto payment of {$380.00}. 

The first payment I made manually on the XX/XX/XXXX. The second one came out automatically on the XX/XX/XXXX for another {$380.00}. I did not make this payment and I have never set up auto pay, ever. 

In fact after they recently revamped their website I had to re-register. I couldn't have magically set up auto pay during this time when I had to re-register with the site. 

I called to ask for a refund some time in early XXXX. They said they would mail a check and that it would take up to 10 days to arrive. I waited about 14 days before giving them another call. This was on the XX/XX/XXXX and it is reflected in my call logs. 

They promise to overnight a check to me ( which took 3 days ) and asked if I wanted to make the XXXX car payment while I was on the phone. I said yes and the girl confirmed that I made a payment in the amount of {$380.00} + a {$7.00} card fee. 

You will see in one of my statement screenshots that the payment came out the following day ( XX/XX/XXXX ). 

You will also see where I deposited the refund check in the amount of {$380.00} on the XX/XX/XXXX. 

I have never missed a payment since working with American Credit Acceptance and  my statements clearly show that I paid in both the months of XXXX and XXXX and was overcharged in XXXX.
Consumer complaint received 2019-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (TX)

Bought a car, was ripped off in payment as it was increased after loan was signed. I paid on time then could not keep up with payments. I tried to refinance for a smaller payment, they refused so I told them I voluntarily surrender the car. I made sure it was clean and had gas. It was in great condition, they picked it up like I was a criminal, I handed them the keys. They auctioned it or sold it. And tried to get me to pay {$12000.00}. They then charged it off as a bad debt write off for taxes. Reported me being late XX/XX/XXXX, what it was charged off in XXXX, still reporting late payments and a balance due of {$12000.00}. FCRA says if it is charged off the balance is XXXX as they can no longer collect. It has been written off their taxes. I have disputed all three credit bureaus and GM still has not corrected. I have also called them directly and they are still reporting incorrectly. Do not use under any circumstances. You will be XXXX in the end.
Consumer complaint received 2018-11-03
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. (IN)

As with my previous contacts with you all I have stated that I am in the nursing home and I have been in one for a number of years due to a XXXX XXXX of XXXX XXXX. There is an account that is not mine and I have absolutely no knowledge of from the Department of Education regarding my student loan and it is reporting on my credit report. I have disputed this and was told by the credit company that it was my account however I have no knowledge of this account or just anything about it. Please contact the necessary agency in happy remove thank you very much!
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NE)

Approximately 3 years ago I had been a customer with XXXX XXXX for 8 years, I called as my service was not working, after a month of jumping through hoops I called again, they said to get a new modem, I spent {$400.00} on various modems within a few months. I finally had enough and called to cancel my internet service. They stated I was in a contract with them, and would have to pay and early termination fee. I stated I have been a customer for 8 years, how am I still in a contract. They stated when I purchased the new modem through them, that I was in a new contract with them. I stated I did not agree to that, and will not pay it. Since then I have had various debt collectors mail me stuff, call and harass me. However, today really upset me as they called my work to collect a debt that is from 3 years ago and in my opinion not a valid debt. I stated, quit calling me, take me to court if you must or whatever your threats are, but stop calling me. I ended up hanging up.
Consumer complaint received 2018-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018, I was a victim of bank fraud. I received 2 emails from Chase about a provisional credit for 2 claims. I tried logging into my account to received a message my account is suspended and I needed to call. I called Chase and the representative told me my account is subject to closure and she will not tell me why. I reported the claims as fraudulent. I visited the local branch on Monday to get a copy of my transactions which Chase refused to tell me on the phone. I found more fraudulent charges that were done locally. I disputed those charges as well. Throughout this whole process, Chase did not contact me at all with any updates. I never received any alerts of fraudulent activities. Chase denied all of my claims and told me their reason is because I did not report the transactions and claims as fraudulent when they immediately occur and that my account was being monitor. Chase did not verified the phone number that was used to call for the claims made. I can also prove that I never called Chase. Chase told me they will not review any camera footages because my account was being monitor ( logging in ) but they did not state what device my account was being login from. I called my cell phone company to see if my mobile phone IP address may have been compromised which could explain how the thief was able to  get my information, XXXX stated that cell phones has temporary ip address. Meaning every cell tower you connect to, your IP address will change. An individual had all of my information to make fraudulent claims. It should be obvious that they also had my bank login information. Chase wants me to pay the negative balance.
Consumer complaint received 2019-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc. (CA)

I was refinancing my mortgage in XX/XX/ 2018 and my lender told me that there was an unpaid collection of {$1600.00} on my XXXX  file. I was provided with the contact information and the account number of the collection agency. I called the company and was told by the person handling the account that the money represented an amount owed to their client for towing and impound services ( apparently the vehicle was never retrieved ). I asked how they identified me as the individual owing the money and he claimed that they had obtained it from the Department of Motor Vehicles, He claimed that the license plate of said vehicle ( a XXXX XXXX ) showed that it was registered to me. I asked for the license plate number so that I could research said vehicle and he refused to give me that information so I was unable to contact the DMV to do research. Instead he told me I should go to the DMV and ask for a list of vehicles that were at some point in time registered to me. 

The facts are as follows : I have never owned a XXXX XXXX and I have never had a vehicle towed. I have no knowledge of this matter and I do not owe them any money.
Consumer complaint received 2018-11-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Newman, Hesse & Associates, P. A. (IL)

I have received a garnishment on my most recent payroll from my place of employment at XXXX XXXX in XXXX, Illinois XXXX in the amount of {$170.00}. Today XX/XX/2018 I received a letter from Newman, Hesse & Associates, which I have attached and uploaded. This letter has Case No.  XXXX and I have no idea where this came from?
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MA)

The Lender is foreclosing on the property without giving the homeowner ample time to explore and undergo loss mitigation options. The homeowner intends to do a short sale and wants the chance to be able to do this. There is already a Buyer who wants to purchase the house and wants to send an offer to the Bank ASAP.