davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

On   XXXX   XXXX  , I opened a  Chase checki ng account online. The account was approved, I received a debit card and information to log into my account online. My initial deposit did not go through correctly, so I went into a branch ( the  XXXX , OH branch ) to make a cash deposit of {$640.00}. However, upon sitting down with the banker, he called a phone number about my account and apparently was told it was listed as " restricted. '' He was on the phone for several more minutes, verifying that I was indeed there to make a large deposit of cash, and then told me that if I wanted to make a deposit, I would have to log into my other ( non-Chase ) bank account in front of him, on his computer, and let him scroll through all my recent transactions and look at a recent statement. I did this, even though it made me extremely uncomfortable. No one ever explained why I was being asked to do this.     After several more minutes, he handed me the phone and another unknown  XXXX  employee goes on to tell me that the account that I had just opened was going to be closed, that they were not going to tell me the reason why, and that I would not be allowed to be a  XXXX  customer in the future. Neither the banker or the phone representative would give me an explanation for this. The banker took the debit card that was sent to me and shredded it and told me to leave.     I have never been treated like this by a bank in my entire life. It was humiliating and uncomfortable. If there was an issue with the account ( which had yet to be funded and therefore has not had any transaction s ), they should have been able to be up front with me about it. The banker now has my login information for an alternate, non-Chase bank account. I 'm not sure why the account was approved in the first place if I did n't meet some sort of criteria to be a customer. I went through all the hoops to show that the account ( AND my other, non-Chase account ) were indeed mine. I had several forms of identification, as well as offered access to my other bank and its statements. This was one of  the most horrifying experiences of my life. I can not believe this.
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On   XXXX   XXXX    2017 I Submitted  a complete Request for mortgage assistance to Nation Star and have requested Short sell. After multiple attempts at trying to save my home, I have tried everything including modifications and have been denied I am now seeking a short sell. When I submitted my  short sell request the date was  X/XX/17 , at the time my sell date was scheduled for  X/XX/17  I have provided all documentation requested from me. I and my realtor have been in constant contact with Nationstar to check on the status of the short sell. Nation star has confirmed that they have received all documentation pertaining to the short. After 2 months of review, Short sell was declined on  X/XX/17  due to upcoming foreclosure date of  X/XX/17 . I have filled a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Nationstar not allowing for a proper review of Short sell, This request and complaints have not yet been answered. Short sell was again reviewed and again declined on  X/XX/17 . Nationstar will not review any workout solution if under 37 days of sell date.Nationstar claim that the review process in under 37 days but i have fax confirmation that i have submitted all forms well over 37 days of foreclosure.. Shortsell was submitted  X/XX/17  sell date was  X/XX/17  This is well over 37 days of sell date. Nationstar Is now forcibly try ing to foreclose my home without following the proper procedures. If Nationstar proceed with this foreclosure they will be violatin g Homeow  ners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Nationstar to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without   providing a written explanation and a 30 day period to appeal the denial.
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

When it came time for payment it would say it had been paid for on my Navient account. After 7 days they would then try to take the money out. My account would have money in on day it said it was done and paid for. Then they would overdraw my account 7 days later.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (SC)

Over the course of th e last 4 to 5 years I have been disputing an account with Wells Fargo Bank Auto. Rece ntly I have disputed this account with all  XXXX  bureaus asking for validation/contract that bears my signature and personal information due to me have a fraud alert put on my reports  in 2013. This fraud alert was due to me finding that several cars were registered under my name in cities and states I never lived in from previous years prior to 2013, my wallet being stolen that bared me and my families ssn cards out of my house ( police repo  rt was submitted to bureaus ), and SC have a breach with the internal revenue system advising all residents to a fraud alert. Wells Fargo no the bureaus have provided me with any documents showing this account was valid and belonged to me. Please have removed immediately. From what I have seen in the last year Wells Fargo is not an accredited bank and has already been in the media for creating false accounts und er account holders names. The balance on the account shows as {$0.00} not sure if someone paid this account or not. Also this company has sent me some documents wanting me to send in the police reports but did not provide any documents showing that I had a signed contract with them.
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (ID)

In   XXXX   XXXX  , I was in the process of applying for a home improvement loan and found that there was an unknown cre dit card through BarclayCard o n my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about   XXXX   XXXX   XXXX   I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.
Consumer complaint received 2017-05-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PHH Mortgage Services Corporation (PA)

PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute inaccurate information contained in my credit report. Specifically, I have noticed a discrepancy between the balances reported by XXXX Experian and XXXX for the same account. 

According to my XXXX credit report, the balance is {$0.00} as of XX/XX/XXXX. However, my Experian credit report shows a balance of {$110000.00} as of XX/XX/XXXX. Furthermore, according to XXXX credit report show a balance of {$110000.00} and a report date of XX/XX/XXXX. These conflicting balances for the same account indicate an error that needs to be addressed and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, Congress has articulated the purpose of the act, which includes ensuring the accuracy and fairness of credit reporting. As stated in the congressional findings and statement of purpose : Congressional Findings ( 15 U.S. Code 1681 ( a ) ) : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Statement of Purpose ( 15 U.S. Code 1681 ( b ) ) : " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' In light of these findings, I request that an immediate investigation be conducted to reconcile the discrepancy between the three reports. I also request that my credit reports be updated to reflect accurate information. Enclosed are copies of both credit reports highlighting the discrepancies.
Consumer complaint received 2017-05-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have filed several disputes with Experian by mail and online. I have multiple inquiries that I did not make and have asked for them to be removed and Experian has not completed this request. They have sent me the same explanation each time further allowing me to believe my request has not been fully researched on their behalf. I also have a collection agency by the name of  XXXX   XXXX   XXXX  reporting on my report and they should not be. I have not taken courses at  XXXX   XXXX . Experian has told me this information is correct but it is not. The company has not provided an validity to me nor can have provided anything to Experian. This was removed from my   XXXX   report and my   XXXX   because the debt is not able to be validated.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

HSBC Bank Nevada,  N.A.    Charter Number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  This company needs to remove any items related to my PERSON from ALL credit agencies. If not I will record a perfected security interest in this entity  for 3x the bo gus balance amount plus damages plus fees.
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Unbeknownst to me Huntington National Bank closed my account on XXXX XXXX 2017. I did not know about this till XXXX XXXX,2017 after I finally managed to get to some human being after placing numerous calls to the bank. The manner in which the account closer was handled had negative repercussions for me. I had a credit card payment scheduled : # 1. XXXX XXXX 2017 ( to XXXX XXXX XXXX {$810.00} ) and noticed that payment was returned and Returned Payment Fee ( {$25.00} ) was applied to my credit card account on XXXX XXXX 2017. I had no idea what was happening as I had more than enough funds in my Huntington Bank account to cover all my bills. # 2. XXXX XXXX 2017 ( to XXXX XXXX {$190.00} ) - Payment has been returned on XXXX XXXX,2017 I also scheduled a money transfer from XXXX XXXX to Huntington for the amount of {$350.00}, It was returned back to XXXX XXXX  and when i inquired what is happening, I was told that Huntington account was " dormant ''. So I thought it was just some kind of a glitch as I used the account regularly and initiated a new transfer fro XXXX XXXX to Huntington for the amount of {$520.00} ( XXXX XXXX2017 ). This transfer has never been credited to my Huntington Bank acct, nor it has not been returned back to XXXX XXXX still. On XXXX XXXX 2017 I was in the branch and made a deposit in amount of {$100.00}. It was accepted and again, no one told me anything. And on XX/XX/XXXX, when I realized that BillPay of my Huntington acct is not working I went to the bank again and withdrew {$810.00} to pay off my XXXX credit card. No issue.. No warnings.. Nothing.. During my visit I was given a phone # ( XXXX ) to call to find out why BillPay is not working. I left a message and nobody called me back. On XXXX XXXX,2017 I finally was able to get a hold of a human and was told that bank decided to close my account. No other clarification was given. So, today on XXXX XXXX,2017 I went to the branch and asked for all money I had in that bank account. It was simply a waste of time. No one at the branch, including the branch manager ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) was not able to give me my money. I was told " we have limited responsibilities '', that my account was closed on XXXX XXXX, 2017, it is on hold and basically they can do nothing. And gave me a phone # ( XXXX ). No one has returned my call still.
Consumer complaint received 2024-07-17
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my XXXX  to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

This company calls every 45 minutes to an hour. They call from a different number each day. When asked why the number is different than the store ai purchased the furniture from they state it is an automated call center. I have told them numerous times not to contact me before XXXX as I am at work and yet they call so much that my phone vibrates consistantly in my desk. If the Principal walks in and my phone is vibrating I can get in trouble. All of which I have explained to them. They refuse to put a no call until a certain time on my account. They say everything is automated. They have been notified that I do not get paid but once a month of which they knew when I took the furniture account out. They start calling as early as one day late at XXXX every 45 minutes to an hour and do not stop until XXXX XXXX XXXX sometimes. I have taken to blocking the numbers they call from so I dont get in trouble at work. They get their payment each month but it is alway going to be late because of my pay date. They knew this also when I took the loan out. Never once did they say oh ok well we will be harrasing you nonstop every day until we get the payment. No they stated it wasnt a problem they would note it on the account. If something isnt done about this then I am going to see what I can do legally to stop the calls. If I wasnt almost finished paying off the account I would tell them to come get there furniture and leave me alone.
Consumer complaint received 2017-05-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the  XXXX   XXXX   XXXX  account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and Experian have refused to remove stating that   XXXX    XXXX   XXXX  has confirmed that the charges are correct. I have attempted to follow up with   XXXX   XXXX   XXXX   XXXX  directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by  XXXX   XXXX   XXXX  to extort money from its customers and that the resulting charge off was an act of retaliation by  XXXX   XXXX   XXXX  as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX ,   XXXX     XXXX   XXXX  has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction histor y )  to another account number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX   XXXX   XXXX   XXXX  management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

This is fo r Citi Cards On   XXXX   XXXX , i tried to make a payment in the amount of {$5.00} ... whenever i have any extra money i immediately put it towards paying down my credit cards. I tried  two or three ti mes, but kept received an error that the website was down.     On  XXXX   XXXX , i decided to try it again. I noticed immediately I had a pending payment to them for  XXXX . I called right away to fix the problem and cancel the payment. I kept getting jerked around and transferred. Then told there was nothing they can do and to call my bank and they had to fix the problem. I called my bank ... .citi lied to me about that. We conference d in citi again  and we were told yet again they could n't do anything EVEN THOUGH I DID NOT EVEN MAKE THE PAYMENT.   On the morning of  XXXX   XXXX , my account was over {$1000.00} in the negative. I reached out  to Citi 's   social media and they had a "  specialist ''  call me. Again, after sitting on the phone and wasting my time, we once again conferenced in my bank ( who luckily is helpful ). I was promised yesterday that they would expedite their error and would be in my account today.   Again, i woke up this morning,  XXXX   XXXX  and not only was my account still in the negative, but now my NSF fees have hit.   This is disgusting and deplorable.  Citi Cards  committed fraud and need to pay for this. They are liars, they do n't care about the consumer, and they stole money out my account THAT I DID NOT AUTHORIZE.
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In  XXXX    XXXX  , I received an e-mail notification from Bank of America that my account had been frozen. When I contacted them, they told me I had to speak to the law firm who put the restraint on my account. I contacted them and they told me they had a judgment against me, but I didnt know anything about it.     I went to a free clinic at the court and they looked up the case, but there was no judgment. They referred me to an attorney. The attorney told me that under state law, the bank has to send me forms asking if there is any income in the account that is exempt from collection when they are asked to restrain the account. The Bank never sent me this form, and some of the money in the account is exempt under state law. My attorney contacted the law firm and found out that there was a judgment against me in a different case, and when we checked the court file, we found out that the reason I didnt know about the case was because they had served me at the wrong address. My attorney is asking the court to vacate the default judgment, but because that can take a while, she also contacted the Bank and the creditors law firm to ask them to release my exempt funds from my account.     The bank refused to speak to her and said that they would only speak to her if I was on the line with her every time she called to give them authorization to speak to me, even though I had already given my attorney written authorization. I have  XXXX  and have been undergoing  XXXX  treatment for my neck. It leaves me very tired and affects my ability to speak. I had saved up the money in my account to live on while I was getting treatment, since I would not be able to work because it makes me weak.     Although they would not speak to my lawyer about my specific problem, they told her that they always send out exemption forms and if a customer calls them and says they did not receive it, they send it out again. The bank has my correct address, so if they mailed it to me, I should have gotten it. Because the bank refused to speak to her, the attorney sent them a letter with a copy of a retainer from me and explained to them that they had not complied with state law and that they needed to send me the exemption form and to release the funds that are automatically exempt under state law.     The bank still has not sent me an exemption form and they still have not released the money from my account.