davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (MA)

Dear Sir/Madam, My mortgage was recently sold off to Central Mortgage Company. I received a threatening letter from Central Mortgage on XXXX XXXX stating they did not have the required proof of insurance coverage on our home. If I did not take immediate action, they said they would purchase the required insurance and that I would be responsible for the bill. When Ispoke to their representative on Tuesday, they told me that I had 30 to 45 days to provide them with the proof of insurance. 

I had my current insurance carrier ( XXXX XXXX ) fax them the requested insurance binder immediately on XXXX XXXX. I called them again this morning and they have no records of the insurance policy from either myself or from the Mortgage Banker that refinanced our home ( XXXX XXXX ). A recent XXXX search has revealed a staggering number of complaints of fraud and predatory lending practices from this company. 

When I reviewed my loan info online this morning I found a {$6600.00} charge on my escrow account for a Force Placed Fire insurance policy from their friends at XXXX XXXX XXXX. My escrow account balance is now negative. This new insurance policy is over XXXX times the cost of our current insurance policy. Talk about a scam. 

I am trying in good faith to rectify this situation but it has not worked. I am setup for auto-payment from my checking account and I have no idea how much they are going to take out of my checking account to pay for this redundant homeowners insurance policy. How can you help us with this problem? 

Thanks, XXXX
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much for your time.
Consumer complaint received 2015-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. 
After I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need.
Consumer complaint received 2017-01-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been receiving numerous calls from a blocked number the past few days. This evening the number finally left me a message. The caller stated she was calling from Bank of America on an important servicing matter. Her name is XXXX XXXX. In her message she said she wanted to discuss options that may benefit me however my input is needed on this matter and to call her back to discuss the options. I figured this was regarding my Bank of America checking account so I called the number she left me back. I spoke to a different representative and they told me there were no options to discuss and that this was an attempt to collect a debt. Not once was it mentioned in the message that this was an attempt to collect a debt or that it was related to my credit card. It was misleading. I already have an agreement with Bank of Americas collections department and have been paying the agreed to amount for the past 5 months.
Consumer complaint received 2017-01-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (VA)

I submitted an initial complaint accusing EverBank Mortgage of committing predatory lending in XX/XX/XXXX on a second mortgage or home equity line of credit ( HELOC ) and of committing fraud on their current handling of the loan. EverBank responded to my complaints. XXXX continue to take issue with their responses to the following : * In my complaint I state that the EverBank Home Equity Line of Credit ( HELOC ) or second mortgage should have been dismissed in my Home Affordable Modification Plan XXXX HAMP XXXX. EverBank responded by saying that it should NOT have been dismissed in my HAMP because it was not a part of the first lien on my home ( see pg. XXXX paragraph XXXX ). However, according to the Making Home Affordable website, " If your first mortgage was modified under the Home Affordable Modification ProgramSM ( HAMP ( R ) ) and you have a second mortgage on the same property, you may be eligible for a modification or principal elimination on your second mortgage through XXXX '' ( https : XXXX ) *I also stated that since the Everbank loan should have been included in my HAMP, the loan should be dismissed. EverBank stated that they can not dismiss the loan because it was not able to be included in the HAMP and because of the repayment plan agreement I am responsible for HELOC debt. ( see pg. XXXX paragraph XXXX ) * In my complaint I indicated that EverBank is reporting to the credit bureaus that the HELOC is charged off and closed even though we set up a repayment plan on the same account under the same account number in XX/XX/XXXX EverBank cites the repayment plan in their response ( see pg. XXXX paragraph XXXX ). 
*EverBank continues to report this account as charged off and closed to the credit bureaus without reporting that we agreed to a settlement on the account for a lesser amount under the same account number. EverBank attests to this in their response ( see pg. XXXX paragraph XXXX ). 
*EverBank is not reporting the monthly payments that I am making on this account and that that they will NOT report my monthly payments to the credit bureaus. They will only report when I have paid the total balance of the modified repayment arrangement in full ( see pg. XXXX paragraph XXXX ). 
*In my complaint I also stated that EverBank was not providing monthly statements for payments that I am making on the account. EverBank stated in their response that they are not able to provide me with monthly statements as the account is no longer an active account ( see pg. XXXX paragraph XXXX ). 
This takes me back to my initial complaint. EverBank admits to reporting to the credit bureaus that the account is charged off and closed. EverBank admits to not reporting my monthly payments on this account to the credit bureaus. EverBank admits to not providing me with monthly statements and that they are not going to provide statements. EverBank admits that they consider this account to be not active, but they want me to make monthly payments.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The credit report agency Equifax is missing two credit cards im my credit report. I already talked with the them and with the banks. The problem is not fixed yet. 
Bank XXXX XXXXXXXX XXXX card ending XXXX {$4400.00} credit limit missing by Equifax XXXXXXXX XXXX  card ending XXXX {$7500.00} credit limit missing by Equifax So the credit utilization in my report should be 20 % and due for this they are showing 25 %.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

I contacted Experian Credit Agency after my mortgage company informed me that there was a judgement listed against me on my credit report. I was surprise because a couple of months earlier, I had requested my credit report from " Annual Free Credit Report '' website and the judgement was not listed. I received a copy of my credit report from the mortgage company and they explained that I need have Experian remove this information. I proceeded to contact the creditor ( XXXX ), they explained that they never reported this information to Experian and proceeded to provide me with a letter explaining that the information in my credit report is incorrect. I forwarded this letter to Experian through their dispute center and U.S. postal Service. I received a letter a day ago stating that they would not be removing this information. I need this information removed, because is preventing me from obtaining a home mortgage. This information should have never appeared on my credit report also because is under the name of a company that used to own, not under my personal name. I will appreciate it if you could please help me resolved this matter. I have tried several times to remove this information from my records, but Experian refuses. I have attached copies of my credit report showing that the judgement was against " XXXX XXXX, XXXX, not XXXX XXXX. I am also attaching the letter from XXXX ( XXXX XXXX XXXX XXXX the creditor named in the judgement stating that the information in my credit report is incorrect.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

I MADE A MOBILE DEPOSIT DEPOSIT ON XX/XX/2022, THE BANK ACCEPTED MY DEPOSIT, THEN TURN AROUND AND EMAILED ME TELLING ME THAT MY CHECK COULD NOT BE COMPLETED FOR " AN ISSUE WITH THE CHECK WAS DETECTED DURING REVIEW '' I CALLED TODAY XX/XX/2022, I SPOKE TO A GENTLEMAN, WHO DID NOT GIVE ME HIS NAME, BUT HUNG UP ON ME WHEN I ASKED ABOUT THE CHECK SITUATION. I CALLED BACK AND SPOKE TO A XXXX, SHE WAS XXXX, AND HUNG UP ON ME, CALLED ME BACK AND SAID SHE DID NOT CARE IF I FILED A COMPLAINT. I ASKED FOR A SUPERVISOR, SHE PUT ME ON HOLD, CLAIMED NO SUPERVISOR WAS AVAILABLE AND THAT ONE WILL CALL ME BACK TOMORROW AND HUNG UP ON ME AGAIN. I AM A LONG TIME MERCHANT, MEMBER, AND CUSTOMER OF SQUARE BANK, THIS IS NOT HOW YOU TREAT YOUR CUSTOMERS. I WOULD LIKE A CALL FROM A SUPERVISOR, TO GET MY CHECK STRAIGHT, AND AN APOLOGY FROM THOSE 2 XXXX REPRESENTATIVES.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase Amazon Rewards credit card a year or so ago, and I 've been wanting to close it. I 've had difficulties using the Chase site, which resulted in a few late fees, but that is n't the problem. The problem is that the card is XXXX paid off, no pending payments or transactions, and that there is no way I can find on their site to close the account, which I no longer need. When I called the XXXX number, I just had someone ( probably a recorded message, because it sounded the same each time I called ) that says " Hello '' and just hangs up. While I 'm no longer accruing interest on this card because there is no balance, I just do n't want it anymore and I 've searched the site everywhere for a place to close the card or information about it and I have had no luck.
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (CA)

My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. 

Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. 

I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

CFPB Complaint Experian XXXX/XXXX/16 Account XXXX XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Experian Credit Report, or any other credit report for this account, no address or other name. 

In the past I attempted to contact this other company XXXX XXXX, that XXXX XXXX keeps insisting I do. I sent a request to this other company certified/return receipt mail, they never responded to my direct dispute. They did however immediately take action to sue me. ( See CFPB complaint XXXX ) XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX XXXX # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX XXXX. Certified/return receipt/mail, Response from XXXX XXXX, Experian Credit report and this letter of this CFPB dispute
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CL Holdings LLC (NY)

This company XXXX I have had for close to 3 years. I was able to see my report when I pulled my credit on XXXX. Sometime in XX/XX/XXXX this credit card company reported the account as closed but it was not. I called the company and they refused to fix the issue. This falls report on my account cost me XXXX points.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My partner has a credit card account with Bank of America. I am a authorized user on the account, which means that I have a card with the same number, and my partner receives the statement for the charges from both her and my credit card. One day we noticed fraudulent charges on the statement, so my partner cancelled the card and requested that new cards be delivered to XXXX us. These cards arrived in the mail and we each began using our new cards. I received a separate statement for my card. My partner called the bank to ask why I was receiving a separate statement. The customer service representative acknowledged the error and apologized, saying that the charges from my card would be transferred over to my partner 's statement, that I did not have to pay the bill, and that I would be issued a new card with the same number as my partner 's card. I did not pay the bill, and I never received the card. My partner called back to Bank of America requesting an explanation, and was told by a different customer service representative that the representative was not able to discuss my card. As it turns out, the card I had been sent as the replacement for my original authorized user card on my partner 's account was actually an updated card for an old Bank of America credit card account that I had not used for years. I had not requested an updated card for this account, and there had been no activity on this card since 2013. When I called Bank of America, the customer service representative told me that I had failed to pay the bill for that card -- which my partner had been told I did not have to pay -- but agreed, based on my explanation, to remove the late fee from the charges. I paid the bill. Later, I discovered that the bank had reported the late payment to the credit agencies, and my credit score decreased dramatically. I called the bank to try to remedy this, but they wrote me a letter stating that " no bank errors have been made concerning XXXX my ] payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' The initial customer service representative assured my partner that the bank had erred, that they apologized, that they would redirect the charges at issue to my partner 's account, and that I did not have to pay the bill. In light of this, to report a delinquency on my part to the credit agencies is certainly a bank error. It is grossly unfair and highly damaging to me.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank is declining my claim concerning fraudulent XXXX transfers made from my accounts. Chase has a detailed letter of complaint from me and has decided to deny the claim. I did not make the transfers. 

XXXX XXXX,2022 for {$4500.00} XX/XX/2022 for {$4100.00}
Consumer complaint received 2022-03-11
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: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Accounts and XXXX XXXX are reporting fraudulent accounts on my credit. I didnt open these accounts nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license. Please stop the fraudulent reporting and remove these accounts from my credit
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

Regarding Chase Auto loanXXXX The loan was for a XXXX XXXX XXXX XXXX I traded the car in at XXXX XXXX XXXX XXXX in XXXX FL. 

Chase has been issued and signed for 3 separate checks from XXXX of XXXX. The have not cashed any of them. They won't tell me or the dealership why. I have called over ten times to try to resolve this issue but I'm getting absolutely nowhere. All Chase says, every time, is that they will open an " investigation '' but they won't give me any sort of reference number for my " case. '' XX/XX/XXXX Chase signed for the first check XXXX  Tracking # XXXX check # XXXX for {$10.00} XX/XX/XXXX Chase signed for the second check XXXX Tracking # XXXX Check # XXXX for {$10000.00} XX/XX/XXXX Chase signed for the third check XXXX Tracking # XXXX Check # XXXX ( the dealer neglected to tell me the amount this time ) Chase keeps sending me late notices, they are hitting me with late fees and causing me endless stress. I worked so hard to fix my credit, I just bought a house and now chase is going to give me a XXXX because they won't cash the dealer checks and clear my loan. 

I'm having daily XXXX I can't focus at work, I'm losing sleep ... I have pleaded with chase to resolve this but I get nothing. 

Chase needs to be held accountable for stress and trauma their neglect and incompetence is causing.
Consumer complaint received 2016-10-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I have a current mortgage with Carrington Mortgage. I have been paying additional payments monthly towards reducing the principal in addition to my monthly mortgage payment. I have received numerous calls and requests to redo my mortgage citing the additional principal payment as the motivation for these solicitations. Last month I gave in to numerous calls from an employee named XXXX @ XXXX who claimed that he could refinance the mortgage and provide me substantial savings. I agreed to let him show me the numbers and he said that to give me the information, he would need access to my credit scores. I agreed to the inquiry and received a lengthy document that I scanned to see just the numbers which did not show a substantial savings. He called after I received the papers and I told him that I did n't want to change anything about my mortgage and I did n't want to refinance. He was aggressive and pushy and I was definite about not refinancing. I received a letter several days after our conversation which was a document " Statement of Credit Denial, Termination, or Change '' described the description of Account, Transaction or Requested Credit as " Obtain residential mortgage financing '', and description of Action taken as " Application withdrawn '' .. I NEVER applied for a mortgage. I was told by a lawyer that this would reflect negatively on my credit and indeed I have copies of the credit reports which state the same. I want Carrington Mortgage to rescind the letter from any credit reporting agency. I should n't have to explain to any potential lending institution that I never took funds from this loan application, because there was never an application made. This action by Carrington Mortgage puts them in the class of XXXX XXXX who sets up accounts unbeknownst to their customers and then charges them interest. I will not be happy until I have in writing that this aggression has been reversed and that I will not have to explain away the actions of my mortgage company through no fault of my own. I never agreed to, signed nor requested mortgage refinancing. It tells me that the way I am paying off my mortgage must be in my best interest, because the company certainly does n't do so.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MD)

On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my XXXX and Experian are incorrect and needs to reflect the same as my XXXX credit report.