davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (MD)

Regarding Application : AMEX EVERYDAY CREDIT CARD made on XXXX/XXXX/XXXX REF/SSN : XXXX To Whom It May Concern : American Express Executive Department I recently received a prequalifying offer and decided to apply for the Amex Every Credit Card, and unfortunately was denied. I was surprised for the denial as I have a FICO score of XXXX as of today with XXXX % low credit usage, total credit line ( {$4900.00} ) no missed payments and no negative history ( XXXX report enclosed ) While it is true that I have limited credit history equal to 6 months overall and 9 months on my oldest card, that is solely as a result of me being a new lawful resident of the US. I have a XXXX degree XXXX in XXXX and I am now a XXXX, XXXX. 

When I initially applied XX/XX/XXXX the AMEX representative told me that I should wait at least six months until I establish good credit history as a borrower : as I did. Could you please review my credit card application to see if there is a way I can be approved? If you 'd prefer to give me a smaller credit allowance, I 'd be happy to show my responsibility as a card holder. I do not currently have an American Express card, and my research has shown me that the Everyday card has an excellent reputation. As you can see on the initial application, my business, which I have for a 8 months brings me substantial profit $ $ $ $ $ $ worth of profit this year. 

I 'm including my Experian credit report on XXXX XXXX, XXXX for your convenience. 
Should you have any questions, you can contact me at XXXX. 

In terms of recent inquiries, please note XXXX inquiries are fraudulent and they are currently being 'disputed ' - it takes up to 60 days to have them removed from my credit report.
Consumer complaint received 2015-05-12
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I Did a modification with Bank of America in XX/XX/XXXX, so around XX/XX/XXXX.or XX/XX/XXXX. 
I started receiving copies of my modification packet stating while reviewing the documentwe noticed that XXXX or more items were missing in order for it to be recorded at the localcounty recorder of deed. Bank of America wants me to sign the new modification papersI had an attorney to do the modification I was even offered XXXX dollars to sign, but Ido n't Trust Bank of America.
Consumer complaint received 2015-05-01
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Parker & Associates (SC)

Call from XXXX asking for address to serve papers. Told me she hired by XXXX and XXXX At XXXX number is listed as unknown. Threatening court action if I do n't pay. Wo n't tell me anything about what this is about. I no what bills I have I am not behind. Stop threatening me.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A payment was due and received on my XXXX XXXX XXXX with Bank of America on XXXX XXXX. It was received as it has always been via electronic payment directly from my bank account. Yet when I signed on to online banking today, XXXX XXXX, two weeks later, to check this credit card account, a red symbol came up indicating that a " payment is due '' on this card. This is false since the next payment, for less than the last XXXX, is not due until XXXX XXXX. 
When I called the number provided on the online banking website to discuss this account ( XXXX ), I was on put on hold for at least XXXX minutes. This is after I had to call back XXXX4 times due to the inability to reach a customer service representative in a reasonable manner initially and having to deal with an unsupervised computer that blocked the way to being able to reach a human being. So after at least 20 minutes of wasted time, a person picked up the line. At that point, I questioned the false information showing up about a payment being due on BoA 's website, whereupon the person I spoke to started to tell me various things I could do to correct BoA 's website. 
Since I am not a BoA employee and had already had too much of my time wasted, I then asked that the person put a note on my file stating that I had requested, should a company ( Improvements ) attempt to charge my credit card, that it not be allowed to do so. The person I spoke to refused to grant my request and instead dissembled and obfuscated my request by offering to note something on my file that I had not requested.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (HI)

Applied for XXXX cards at the same time ( same day ) from JP Morgan Chase Bank. Both cards were sent to pending status with a 7-10 day wait for approval. Called both reconsideration lines and was given approvals over the phone. 

Upon receiving my accounts / cards, XXXX of the XXXX approvals was significantly less than stated over the telephone with the card services department. I called to speak with the card services department again, who passed me around multiple departments without resolution. No one could give me a clear answer other than telling me they could n't do anything about it. I finally escalated it to the Executive Office who stated that they would look into it. 

Executive office rep stated that they did make a mistake in telling me the approval amount over the phone after listening to the phone calls, and that the approval was cut given the approval of the other card. The option they gave me were to make another inquiry against my credit ( after just making XXXX, XXXX of the personal card, another for the business card ), which they claimed they could " mask ''. I explained to them I was n't comfortable with that, so they would discuss internally if anything could be done. 

I explained to them that I just wanted them to stand by what they said. After going back and forth, no resolution could be made within the company without making another inquiry to request for a " credit line increase '' vs. giving me the line of credit they stated ( and acknowledged that they made a mistake of giving me the amount over the telephone ). 

My issue is with setting expectations - to tell someone one thing and then have it be another, and then admit to making a mistake but not being able to rectify it / own up to it, is misleading. I also explained to them that they gave me the full approval on the card with the annual fee but gave me a short approval on the card with no annual fee, essentially making it so if I wanted to keep the line of credit available, I would be required to pay. 

As a loyal customer with multiple cards through the bank, as well as being in good standing / good credit / not carrying balances, I find it hard to understand why a company would say one thing and do another.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION (WA)

Issue XXXX - Please reference complaint - XXXX on the PMI. Please see the attached letter received from Everhome Mortgage acknowledging her subsequent requests to have PMI removed and a check for {$8800.00}. This was obtained when we submitted a complain to the Washington State Attorney General. 

Issue XXXX -Please see accounting showing Everhome collecting arrears and not applying any money towards principle. 

Issue XXXX - Everhome transferred the claim to a new servicer. How can they transfer an inactive MIN ( MERS number )?? Being inactive implies it is paid off. MIN XXXX - This transfer happened the same month XXXX obtained the refund for over charged PMI. A coincidence, yeah right, the bank wanted to run away from this matter. 

Issue XXXX - Assignment of the Deed of Trust was signed by XXXX XXXX acting as an Assistant Secretary of MERS, he is in fact the XXXX, so he signed the DOT over to himself creating a forgery ...
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (FL)

XXXX placed emergency room services on my credit report, however on XX/XX/2016 I reached out to XXXX regarding the payment they accepted from my insurance also the company they reported the invalid debt to. XXXX claimed they never sent anything to the credit collection company because the claim was paid well within the timefram after services were rendered ( timely filing, and payment was collected ). I sent this company the EOB as requested from the XXXX showing XXXX was paid and they were just lying about not placing the debt in their office. This company sent me a letter in the mail stating the debt has been validated. At this point I will contact my insurance company to have all claims paid to XXXX reversed due to the integrity of this establishment they have placed the whole debt on my credit for all services in full, however they gladly cashed a insurance check which is also fraudulent who did they take my insurance payment for.
Consumer complaint received 2015-06-07
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: ACCESS GROUP INC. (IL)

My student loan was sent to a collection agency XX/XX/XXXX. 
I have been making XXXX monthly payments on my loan, and have never missed a payment. Last month on XXXX XXXX, I was let go from my employer and had no savings to cover expenses. I called XXXX XXXX XXXX XXXX, the collection agency handling my loan to let them know I would be unable to pay my loan until I found employment. I told them I was renting and had no assets and since I was unsure how long I was going to be unemployed and what my unemployment would entail, I needed to make sure that I have enough funds to cover the essentials, rent, food, health insurance, etc. I told them as soon as I was in the position to make payments I would reach out to them. I anticipated it would take a couple of months at most. At the time of the call, they suggested that I take out a loan against my 401K, but I told them that it did n't make sense for me to go further in to debt since such a loan would be interest bearing and I would end up owing more then I do now. 


On XX/XX/XXXX, I received a letter from XXXX XXXX , XXXX, that stated the following, " We are in the process of requesting suit authorization from our client. It has been determined that you have assets. This account is being scheduled to be forwarded to an attorney. Our client requires that we take this action when normal collection efforts do not resolve the outstanding debt. We will not make an exception to this requirement. Unless payment in full is made to our office in fourteen days, or you contact our office to discuss a reasonable repayment arrangement, your account may be referred to an attorney to determine appropriate action. " The letter is harassment and is misrepresentation. I have no assets, I do n't own a car. I rent and as I have told XXXX, I am currently not working. Further, I had just contacted them to let them know all of this as well. The tone of the letter threatens lawsuit, and after just one month of no payment since outrageous. Further, it is unclear if Access group, the underlying creditor will even take such action, but the tone of the letter leads once to believe that it is the case.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (UT)

I was laid off XX/XX/XXXX. We contacted our mortgage lender, JP Morgan Chase, and were granted a 12-month unemployment forbearance XX/XX/XXXX. XX/XX/XXXX ( two months later ), we called Chase to let them know I was working again and submitted our paperwork to re-start normal payments on our mortgage. XX/XX/XXXX, Chase contacted us and asked for a forbearance payment. We explained that I was working now and that our Customer Assistance Specialist had informed us that our unemployment forbearance had been canceled. Chase insisted that we make a payment anyway, which we did. Chase called again in XX/XX/XXXX and insisted on another forbearance payment. These funds ( over XXXX dollars ) went into an " Unapplied Funds '' account which did not count towards our mortgage payment, and that money was not returned to us. XX/XX/XXXX, Chase contacted us and told us that our account was marked delinquent since XX/XX/XXXX and asked what our intentions were. I told them the paperwork was in their hands and offered to make our normal mortgage payment right then so we would n't get further behind while waiting for them to process our paperwork. Their response was that they could NOT accept any payments on the account unless we first paid the entire past-due balance! This was ( at the time ) XXXX months of payments plus late fees, totaling almost XXXX dollars! I explained that I was newly-employed and did n't have XXXX extra dollars to give them, but would happily make a normal payment. Again, they said that any payment made would simply go into the " Unapplied Funds '' account and would not count towards our mortgage. Each month since then, they have contacted us or we have contacted them, with the same result ( except the past-due amount has increased ). XX/XX/XXXX, I finally received Chase 's determination. They said we were ineligible for any assistance and suggested we short sell the home we have lived in for 14 years. We told them that was an unacceptable option, as we have approx. {$40000.00} in equity. Although we filed a Dispute of their determination, they informed us in XX/XX/XXXX of their intent to foreclose. So, as it now stands, our mortgage holder, JP Morgan Chase, will not accept mortgage payments from us while, at the same time, they continue to list us as delinquent and are adding late fees and payments to our past-due balance each month, and are now starting the foreclosure process! We feel like Chase is trying to rob us of the equity in our home, as well as committing fraud by ( 1 ) listing us as delinquent while refusing to accept any payments from us and ( 2 ) requiring payments from us and then not applying them to our mortgage or returning the money to us. Help!
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I sent Green Tree a payment for XXXX and XXXX and a late fee for XXXX. Green Tree credited XXXX payment but put the late fee and XXXX payment toward an extra principal payment for XXXX, so now they 've made my XXXX payment late and I have another late fee! I have tried to contact them by phone but it is impossible. No matter which number I call or button I push or what I say to the automated system it ends the same, a robotic voice says " you 've reached an invalid extension " and then it hangs up. Green Tree 's customer service is non existent. Green Tree is evil.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Consumer complaint received 2016-12-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust who has no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is the AES and NCT wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (CA)

Debt was charged off over 4 years ago by original creditor. Account went delinquent XXXX of 2009. 

Communication with XXXX parties : Contacted XXXX other people that I am aware of, including old Landlord, and extended family trying to get ahold of me for a " legal matter ''. Left messages on answering machines with case # XXXX XXXX. 

Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXXXXXX and XXXX XXXX, We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However Wells Fargo has been the only creditor to continue to report to my husband and my credit report. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like Wells Fargo to stop reporting to our credit report per our bankruptcy. Last reporting date was XXXX XXXX. 

I know this report is from XX/XX/XXXX, but I 'm trying to re-finance our home and Wells Fargo come up again. 

Thank you for any assistance you can give us. My contact number is XXXX