davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

the year XX/XX/2007 I sighn a contract for sale my house by owner with my tenant rented my townhouse for 3 years. I agreed my XXXX XXXX XXXX to be a buyer lawyer. I find out my contract was again my agreedment. fisrt : my tenant hire a realtor agentAttorney XXXX, second I have to lie to the Hud loan program that I receive {$110000.00} ( {$110000.00} ) so she can pay to her realtor agent {$6000.00}. My tenant 's XXXX used to ask me buy my house with {$160000.00} by 24 Karat gold. at that time XXXX received welfare and food stamp. I call to the office layer to cancel the sale, in the meanwhile I went to Bankrupcy court to stop the forclosure. On XXXX I receive the envelop summon that I have to be at the court next day. The rulling the order I have to sale my house to her brother just been in USA for 2 years with the mortgage Hud program 5.5 %
Consumer complaint received 2016-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890
Consumer complaint received 2018-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with Portfolio Recovery Associates for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. Portfolio Recovery Associates has never responded to a dispute, it has been pending since XX/XX/XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for Portfolio is  exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and anything pertaining to XXXX XXXX be listed one time.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WI)

We met with a mortgage lender to find out how much it would cost to close on a new home. We were told that the normal closing costs were {$1300.00}, but because we were premier clients, it would only be about {$600.00}. To start the application, the banker withdrew {$480.00} from my checking account but told me it would be part of the closing costs. On Friday afternoon, XXXX XXXX, 2015, I contacted the lender to see if he had a closing statement ready for our XXXX XXXX, 2015 closing. It was at that time I found that the bank was charging me an additional {$630.00}. I immediately began making telephone calls, but no one was available to help me. At the closing on XXXX XXXX, 2015, the title company showed me a good faith estimate explaining the closing costs. This is the XXXX time I saw the document. I asked the title company to sign, date and give me a copy of the GFE. 
The lender insists that my closing costs were only {$630.00}, but disregards my downpayment of {$480.00}
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (KS)

This complaint is being filed for the following reason : I owned a company named XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. During this time I had other persons operating and managing the company. At some time during their management they applied for and received an American Express Gold business card. I did not authorize or sign any documentation for the use of this credit card. They used this credit card to charge business related items for the business. To my knowledge there was neither personal use nor fraudulent activity with the credit card. After closing the business in XXXX/XXXX/XXXX I was contacted by American Express and told that I owed them approximately {$130000.00} for charges that were made by the company on the credit card. I explained to them that the credit card was not in my possession and I had not used it. American Express continued to insist that since I owned the business I was responsible for payment of the charges, I continued to insist that the credit card had never been in my possession and that I had not applied for it. Subsequently in XXXX of XXXX I received a notice that myself ( XXXX XXXX ) and the business that was closed in XXXX ( XXXX XXXX XXXX ) was being sued by American Express for {$130000.00}. The case went before a district court judge on XXXX/XXXX/XXXX. The judge ruled that American Express had absolutely no grounds to expect me to pay the charges for the credit card since I had not ordered it nor used it. The case was dismissed and American Express was ordered to pay all court costs ( please see attached documentation of this dismissal ). That was XXXX months ago and the real problem remains that American Express contacted the credit bureaus and reported to them that I still owed them {$130000.00}. I have always had very good credit but I do n't anymore because American Express has ruined it. I have reported this to them with no response. Please help, I thank you in advance. 

XXXX 
XXXX, KS XXXX
Consumer complaint received 2015-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (RI)

midland credit management # XXXX has been calling our home for months now XXXX times daily also on sat. and sun.. the caller id gives on name other than toll free. this is very upsetting getting constant calls when we have very ill family members. They never say who or what they want. We have no debt owed to anyone so whoever they want must have given our phone # at some point. We feel this is invasion of our privacy and mental harassment
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MN)

I applied for a card issued by American Express on XXXX/XXXX/15 and is what the AMERICAN EXPRESS BUSINESS PLATINUM CARD. I received a letter in the mail stating that the application was cancelled, every card card application I apply for with this creditor ends up being canceled not declined because I have excellent credit and they know it. They also single me out for every application in asking for a XXXX.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for XXXX accounts they reported on my credit report. The company has failed to provide me validation of the account and merely sent me a total amount due with no proper itemization or no agreement between myself and the medical service provider and they have continued to reprot the account on my credit report and even verified it when I disputed it with the credit bureaus This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ). H
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

EXPERIAN IS A DATA MINING OPERATION : I applied for a credit card with XXXX XXXX XX/XX/XXXX, and was rejected based on adverse accounts in my Experian credit file. This means that XXXX XXXX was able to view my complete credit file. 
Because I had been rejected for credit, I obtained a free copy of my credit file and viewed it. I saw lots of errors, as is always the case with Experian, but did not start a dispute process. 
XX/XX/XXXX I applied for credit with XXXX XXXX. Their rejection letter stated the following : " We were UNABLE TO VIEW YOUR CREDIT REPORT BECAUSE YOU HAVE PLACED A SECURITY ALERT ON IT. " This tells me that Experian fraudulently and arbitrarily placed this security alert on my credit report, but I DID NOT PLACE ONE ON THERE, and obviously, when I applied with XXXX XXXX just a month prior to applying with XXXX XXXX, my Experian report had been viewable. 
I would like to know why Experian took it upon themselves to arbitrarily place a security alert on my credit file when I did not do so. 
All I did ( after viewing my report the first time, upon being rejected by XXXX XXXX ) was call them and ask them to not bill me {$29.00} a month for their credit tracking service. 
So, when I went online to get another free copy of my credit report after being rejected by XXXX XXXX, the Experian website stopped me and said it would need all of this highly sensitive, personal identification information from me : My driver 's license, my social security card, and a bank statement or an insurance statement! Who in their right mind would do this? I did nothing wrong to prove that I am really me. I simply requested yet another copy of my credit report because I was rejected twice based on my Experian report, which is full of errors, by the way. 
This is not the first time Experian has done this to me. I battled this same problem with them XX/XX/2013, two years ago, meaning, they arbitrarily put a security alert on my credit report and said that I did it ( when I did not ), and they wanted all sorts of personal ID information on me before they would work with me when I 'm not the one who made the mistake. 
What concerns me the most is that the US FEDERAL GOVENMENT -- yeah, you guys -- links with Experian to do a " soft inquiry '' if a citizen like me wants to set up a My Social Security Account online. In other words, that 's how much you trust the data mining operation otherwise known as Experian, whose corporate headquarters are located in the XXXX XXXX XXXX. 
The only 100 % accurate credit file on me is XXXX. 
So I need you to contact Experian and challenge them as to why they continue to arbitrarily put " security alerts '' on my credit file just to make it difficult for someone like XXXX XXXX to give me credit, and to make it difficult for me to see a copy of my own credit file, which is my right under the FCRA.
Consumer complaint received 2016-09-06
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC (PA)

i received a deposit in my account that was an ACH transfer from a company called " Radiant Cash ''. Upon noticing the credit, I looked them up online and contacted my bank this morning. My bank requested I contact the company first to try to get it resolved, but was able to confirm the deposit was submitted in my name with my routing and account number attached. Following the conversation with my bank, I contacted Radiant Cash. When the first representative answered the phone, I only provided my first and last name, to which she immediately responded that she had my application in front of her, and asked me if I ever applied for any loans online because they purchase information. When I advised her I did not, not in the last several years, she transferred me to the fraud department. The fraud representative I spoke with identified himself as " XXXX '' and told me he was located in South Dakota. He tried to convince me I applied for it, asked me for last XXXX of my SSN, which I refused to provide because I 'm already going into this phone call knowing this is some kind of scam. He then states they can rescind the loan, but it would take up to 4 business days, and he could email me a copy of the confirmation, along with a packet that I can file fraud with. Immediately following that, he refused to verify the email or any of the information on file, just kept asking me to provide it. Then states the only way he will be able to provide this information is when I file fraud and submit it along with a copy of a police report. All while insuring they will be taking their {$500.00} back, nothing more and nothing less. I do not know what kind of company deposits money randomly into people 's accounts without any confirmation or requests from an individual, but I had a very unsatisfactory ( not to mention uneasy ) experience dealing with this company. As of yet I have not received this email " confirmation '' from him that he told me over an hour ago that I would have within 10 minutes. Please help and investigate this company.
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

This is the document that I was coerced into signing in order for them to release my funds. I was told that I just need to provide this actual document to my bank and they would fax as well and my funds would be released. I asked how is this legal, I received no notification, the lady at the desk got the attorney, I asked the same question, I was given no answer. I requested to see the documentation that was " apparently '' mailed to me, she then held up a document ( she would not let me touch it and examine for myself and then I asked what the date it was mailed and she looked down and said XXXX XXXX, I then stated that is today. I drove the above document to my bank, XXXX XXXX Bank and was then told that the document has not been received via fax. I then called the attorney 's office, XXXX, XXXX, XXXX, XXXX and XXXX ltd and stated that they have not received their faxed copy. The lady was rude and stated that they faced at XXXX. The bank teller XXXX called back to the main branch and was then told that they can not accept this agreed order ( signed under duress, they would not release the levy that I had no prior warning to unless I agreed to an amount and was given no factual legal law that they had the authority to enforce a levy under. I either signed or my funds would be 100 % depleted ). The document would not be accepted to release my funds unless signed by a judge. I called the above attorney 's office again and asked why I was told that the document would suffice as is. I was verbally humiliated and hung up on. I called my workplace and said I had an emergency and personally drove to the courthouse to get a judges signature as I was told by the above said attorney 's office that an attorney from their office would be there today for another court matter and he would try to get the judges signature and they would hopefully fax the correct document to my bank today. I drove XXXX miles to the courthouse and waited. During that time I called the above stated attorney 's office to gather a time frame so I could notify my employer of my return and I was accused of " stalking their attorney at the courthouse and that the matter was out of my hands '' I was again hung up on. I chose to wait for their attorney and he obtained from the judge the proper documentation needed to provide to my bank in which I hand delivered at approx XXXX. I have XXXX children and I do not earn a large some of money and just now in my adult life have health insurance.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Campus Student Funding, LLC (GA)

I attended XXXX at the XXXX campus. I was there from XXXX XXXX through XXXX XXXX. As far as I knew, I had XXXX loans. A federal loan and a XXXX loan. My taxes said my lender was XXXX and all the emails I have saved for applying to my loan links to XXXX. Found out about the lawsuit/settlement against XXXX and the XXXX loans. Found out that my loan was not qualified for the forgiveness since it was not a XXXX loan. That is when I found out that Campus Student Funding owned my loan. I had never heard of them until last year. I have been trying to get a copy of my original loan contract but can not get in contact with Campus Student Funding and neither can XXXX, they now service my loan. I have also tried to contact the XXXX campus to get a copy of it and they do not have XXXX since it was done online. I believe that my loan did qualify to be forgiven or reduced.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NC)

I have a Best Buy Credit Card. I use the paperless option and so receive monthly notice that a payment is due and the balance is given. I generally go into a Best Buy to pay the bill. ok. I purchased an XXXX computer product for my girlfriend at XXXX ( XXXX ) XXXX on occasion I purchased a few items on the credit card. Along the way I forgot that the 2014 purchase was a 'promotional ' which deferred the interest rate. I have never seen anywhere what the standard interest rate is. After much yelling I found it is 28 %! wow. 
So, the problem now is that they added the accumulated interest on the account and my balance now is the same as it was in 2014 - - I am not even sure if any money that I 've paid for the past year and a half have gone toward anything! I will not go back and tally up what I 've paid and the customer service supervisor ( XXXX in Idaho ) allowed me a few weeks to take care of the remaining balance. My main problem with all this is - - it is a predatory lending practice - - the statement does not show what is promotional or regular and I was not aware ( been very busy this past year ) that the promo was ending. Nothing on the statement alerts or lets me know. That is wrong. Even the new concept of showing the customer the effects of only paying the minimum balance vs. more each month is not illustrated on the ( online ) statement. He said if I were to download and then print the monthly statement it would say all that. I say that all pertinent info should be shown on all statements - online or downloaded or in the mail. The bank that Best Buy uses is Citibank. I really appreciate this form and thank you for listening.
Consumer complaint received 2015-05-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (CA)

I did not have enough in my bank account to cover my ACH {$97.00} insurance payment. The next day, before noon, I noticed, and transferred money from my savings to my checking, and I was in the positive. I thought I had caught it before any NSF fees could be levied ( I had never opted in to overdraft protection ). But, the ACH amount was credited back to my account and a {$34.00} NSF fee levied. I did not see this charge until the next day, otherwise I would have transferred more. Later that day, I was charged a monthly fee ( which can be anywhere between XXXX or {$12.00}, which is confusing to me ), which put me overdrawn again. I transferred another {$100.00}. Now I see I have XXXX overdraft fees, for a total of {$68.00} in overdraft fees and {$34.00} in NSF fees. I 'm confused. I thought overdraft was opt in, and NSF was a fee when the bank decides not to pay? I am trying to close this account anyway due to some very suspicious things like this, and I have been fearing that something fishy would happen, like them saying it was closed but it was n't and then charged a fee to keep it open in the red. I 'm confused, because I know the bank had sent me a packet with new terms ( I 've had this bank 9 years ), but I thought I had to explicitly opt in? 
Which is it? Am I able to be charged both NSF and overdraft on XXXX transaction? Do n't they mean the same? This is n't the XXXX fishy thing that 's ever happened. XXXX they decided, all of a sudden XXXX month with no notice, to start charging {$11.00}, then {$13.00}, then {$12.00} ( in consecutive months ) on my savings account, with no notice or packet outlining changes in terms or anything. I called and complained and they said " Oh we did an audit and you 're supposed to be paying {$10.00} for the savings account ''. I then asked why they charged me XXXX different amounts, none of which were {$10.00}, and why they decided 7 years later I 'm supposed to be paying some fee I had n't heard of. The lady did n't even have an answer. She just reversed the charges, and I got no explanation as to why the charges just started appearing. I had to do that XXXX, and I still have no answer besides " an audit ''. Another time, they shifted the order of my transactions ; my biggest transaction was on Monday, and XXXX smaller XXXX on previous Friday. They processed the bigger later XXXX and levied a fee on each of the XXXX smaller ones, and I paid it, but did not remember until later that I did not opt in. They even told me over the phone they decided to change the order of processing. I was shocked, but I just let it go and decided to be more careful. My bank is Citibank. I 'm leaving them shortly because I 'm tired of this.
Consumer complaint received 2016-04-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We have a File that is an REO purchase, we are having issues with the sellers closing agent, this is adding cost that is the REO lenders responsibility to pay. The company is refusing to communicate with their client and is holding us hostage and we are trying to close this transaction. The Seller is NationStar/XXXX, the person we are working with for Natonstar is XXXX XXXX XXXX, Law Offices of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX Phone ( XXXX ) XXXX Facsimile ( XXXX
Consumer complaint received 2020-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ACCT, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX   XXXX.