davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

J.P Morgan chased sent me a message out of the blue in XX/XX/year> that my account had suspicious activities and they are closing the account. they stated my remaining funds which is from my checking and savings summing up to almost {$20000.00} will be mailed to me and since today, i have not received anything. i have been calling them from time to time but i do not receive any reasonable justification.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (GA)

I am submitting this complaint regarding XXXX student loans listed on my credit report under the U.S. Department of Education ( U.S. Dept of EDXXXX XXXX XXXX which do not belong to me. These loans, identified with the following balances, were previously disputed and removed from my credit report, but they have reappeared : Loan XXXX : Balance of {$2200.00} ( reported on XXXX ). 
Loan XXXX : Balance of {$1500.00} ( reported on XXXX ). 
Loan : Balance of {$2200.00} ( reported on XXXX ). 
I have no knowledge of these loans and have never taken out student loans with the U.S. Department of Education. I attempted to contact the credit bureaus and loan servicer by mail to dispute these items again, but my letters were returned as undeliverable. These loans are not only inaccurate but are also severely damaging my credit score and limiting my ability to obtain credit. 

Actions Taken : I successfully disputed these loans in the past, and they were removed from my credit reports. 
Despite being removed, these loans have reappeared on my XXXX and XXXX credit reports, causing further harm to my credit. 
I attempted to send dispute letters to both XXXX and XXXX, but my correspondence was returned as undeliverable.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (TX)

XXXX XXXX, I received a call from them XX/XX/year> that I owed a debt after I notified XXXX portfolio to send me a validation letter they went off to tell me to give them my email. I told them to send me a validation letter thru mail in which they seemed to have my address and include all info I needed from them. Very rudely he said u already know what u owe even to call me a rude name. This is very rude and unnecessary tactics and very unprofessional and he did not have to call me an unpleasant name. Please investigate this company. This was my first time speaking with them this is very unfair and did make me feel uncomfortable.
Consumer complaint received 2024-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Siwell Inc (NC)

I initiated the partial release process in XXXX of XXXX and have experienced persistent delays and communication issues. Despite my continued efforts to comply with all requirements and follow up regularly, the resolution has been elusive, stretching for almost a year and causing significant frustration. 


Here is a detailed chronology of my interactions with Capital Mortgage of Texas : XX/XX/XXXX : Initiated the process by contacting the customer service center. No response received. 
XXXX XXXX XXXX  : Engaged in the chat feature, where I was informed by XXXX that he would research and get back to me. Unfortunately, no response was received. 
XXXX and XX/XX/XXXX : Made follow-up phone calls due to the lack of progress. No conclusive information was provided. 
XX/XX/XXXX : Utilized the chat feature again and was informed by XXXX that they had emailed XXXX and he would get back to me. 
XX/XX/XXXX : In a subsequent chat session with XXXX, I was provided with a list of items required to proceed. 
XX/XX/XXXX : Formally submitted my request, including all necessary information. XXXX confirmed receipt and mentioned contacting FHA for confirmation. 
XX/XX/XXXX : Followed up and was informed on XX/XX/XXXX by XXXX about delays due to an audit with an investor. 
XX/XX/XXXX : Followed up again, received a response on XX/XX/XXXX stating that someone from the relevant department would contact me soon. 
XX/XX/XXXX : Followed up by email and phone. Spoke with XXXX on XX/XX/XXXX, who indicated completion by the end of the year. 
XX/XX/XXXX : Emailed again and received a response on XX/XX/XXXX, stating that XXXX XXXX would be reaching out to the CEO for guidance. 
XX/XX/XXXX : Emailed again, and XXXX XXXX indicated putting in a request with the XXXX  HUD XXXX for guidance. 
XX/XX/XXXX : Received information that the XXXX XXXX is XXXX, CO, and a message was left with a follow-up planned for the next week. 
XX/XX/XXXX : Emailed HUD to request the partial release and cc 'd XXXX and XXXX. 
XX/XX/XXXX Emailed XXXX XXXX XXXX to escalate the issue. 
XX/XX/XXXX Emailed the FHA directly to escalate the issue. 
XX/XX/XXXX, Received the notice from FHA that the release was approved. 
XX/XX/XXXX Mailed check XX/XX/XXXX Followed up with XXXX, check was still not cashed. 
XX/XX/XXXX Followed up again with XXXX, check still not cashed. No response XX/XX/XXXX Followed up with XXXX again, check cashed XX/XX/XXXX Followed up with XXXX again, No response XX/XX/XXXX Followed up with XXXX again, No response XX/XX/XXXX Emailed XXXX XXXX XXXX to escalate the issue. 
Rcvd a response that the title was clear and sent to the local courthouse Listed Property for sale and received and offer went into contract with a closing for XX/XX/XXXX found the title is not clear and the lien is still on the home.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (OR)

Called my husbands phone. Said they were sending the debt to lawyers. The total would be added to my debt. My spouse said it was my debt and his name wasnt on it. The the person asked why I wasnt on more of a leash. Asked if I stopped paying because I lost my job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He cursed at him and treated to XXXX XXXX XXXXXXXX! Inexcusable! This company has also made called to me as early as XXXX and as late as XXXX!
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (AL)

On XX/XX/year> I received an alert about a collection account has been added to my credit report. with XXXX from ZIONS DEBT HOLDINGS XXXX XXXX XXXX XXXX XXXX, UT XXXX, for the amount of {$2700.00}. I disputed with XXXX because this is not my debt and I do not know what this is and have never been notified about any debt from this company. The results came back XX/XX/year> that it was verified that the debt was mine. I do not see how can this be and XXXX did not provide me with how this debt was verified as accurate. I have saw many lawsuits against this company for the practices and methods they use.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

This is now my third complaint through the CFPB about the Chase British Airways credit card XXXX rewards program. The first XXXX complaints were due to Chase neglecting to give the promised XXXX points to my British Airways account from XX/XX/XXXX to XX/XX/XXXX. After the second complaint through CFPB, Chase uploaded these XXXX  points on Transaction and Posted dates XX/XX/XXXX ( per attached document " XXXX XXXX '' ). Since then, Chase has not uploaded the XXXX points that have been accumulating after the resolution of the second complaint ( i.e. XXXX points accumulated after XX/XX/XXXX ). I am now missing XXXX points from the XXXX, XXXX, and XX/XX/XXXX credit card statements ( see attached documents " XX/XX/XXXX statement, '' " XX/XX/XXXX statement, '' and " XX/XX/XXXX statement '' ). I called Chase about this current issue on XX/XX/XXXX, and the representative informed me that she was escalating the problem and that I should see the points within 14 business days. However, it has been longer than 14 business days, and I am becoming extremely frustrated with Chase 's dishonesty and unprofessionalism. I do not wish to have to call Chase every month and then wait 14 business days every time for them to claim they are escalating the issue only to not see those points in my British Airways account. It seems as though Chase is only motivated to fix the issue whenever I file a CFPB complaint, which is completely unfair to myself and CFPB. As a side note, I have also attached the previous monthly statements from XX/XX/XXXX to XX/XX/XXXX to corroborate that the XXXX  miles posted on XX/XX/XXXX are from my previous CFPB complaint about the missing miles between XX/XX/XXXX and XX/XX/XXXX. I have also attached my XX/XX/XXXX credit card statement to show that no XXXX points accumulated after XX/XX/XXXX have been added to my account.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (NC)

My credit card information was it ruinously used in online by someone in the town that that I don't associate with in in a morning them to refund my funds I was told within 7 to 10 days after the receipt of the claim form now they tell me 60 to 90 days. I understand 60 to 90 days to complete the investigation. But I was told that man account with me refunded by the fire department within 7 to 10 days after receipt of the claim form in which I mailed back on the XXXX of XXXX and I continue to try to to send a copy of this but every time I do it it takes me back to the beginning that's a problem with you guys
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AR)

To LVNV Funding LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX -- XXXX ( {$430.00} ) Account # XXXX -- XXXX ( {$1100.00} ) ( This is the 3rd Letter Sent To Your Company ), prior 2 certified letters. 

RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. 

This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account numbers XXXX ( & ) XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I responded to the company disputing the information regarding the collection account, and they did not reply. Rather, they sent a letter suggesting they could sue me if the debt was not settled. I have read many articles and statements about this company, and am aware that they use both illegal tactics and often avoid responding to letters that challenge the validity of its claims.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

To Portfolio Recovery : ( This is the 3rd Letter Sent To Your Company ), prior 2 certified letters. 
XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Acct # XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. XXXX Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. XXXX Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS) (AR)

To Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Acct XXXX XXXXXXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Viking Client Services (NJ)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to submit a complaint regarding the actions of XXXX XXXX XXXX XXXX and Viking Client Services , LLC in relation to a successfully disputed charge on my debit card.

On XX/XX/2023, I rented a car from XXXX XXXX XXXX XXXX and provided them with my credit card information for payment. The rental car rented, had pre-existing damage from a prior rental. I have included pictures that I took of the car when I received it, which clearly shows there were preexisting cosmetic damage to the car. Ive given the rental staff at XXXX XXXX XXXX to document the the pre-existing damage but the customer represented noted that the rental agreement was already delivered to me electronically. 

Additionally XXXX rented me a car with low tire pressure. I received the low-tire pressure warning 5 minutes after I drove the car off the lot. Their lack of maintenance and inspection is extremely concerning. XXXX put me in a dangerous situation by renting me a car with existing damage and also low tire pressure. 

After the rental period was over, XXXX XXXX XXXX XXXX charged my credit card in the amount of {$65.00} and attempted to charge me for the rental cars pre-existing damages. I contacted my bank to dispute the charge, and after a thorough investigation, my bank determined that the charge was not valid and was successfully reversed. 

However, to my surprise, I recently received a notice from a debt collector, Viking Client Services LLC, noting that I am still responsible for the {$65.00}. I was shocked and confused by this, as I had already won the dispute with my bank. 

I believe that XXXX XXXX XXXX XXXX XXXX  and Viking Client Services, LLCs actions are in violation of the Fair Debt Collection Practices Act and other relevant consumer protection laws. I would appreciate it if the Consumer Financial Protection Bureau could investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their illegal and unethical behavior. 

Please find attached all relevant documentation, including my bank 's letter stating that the disputed charge was reversed. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-08
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Navient Solutions, LLC. (GA)

To Whom It May Concern, In XX/XX/year>, I applied for Student Loan Forgiveness due to School Misconduct with the Illinois XXXX XXXX XXXX and loans with Navient. After this application, I received written communication from Navient that they were assessing the application over 60 days. Upon this period ending, I contacted Navient and was told that the period was extended further. At the end of this extension, I contacted Navient and received a call back the same day ( In XXXX ). This call told me that my student loans had been forgiven and that I was receiving a refund check. Upon asking further, the individual with Navient noted that they were looking at the wrong screen. A few weeks later, I received the denial letters from Navient with the same vague response, consistent with the first application. I do not believe that Navient is reviewing my application and is provided an automated response as they seem to be randomly selecting applications to approve as the reasoning that I have for forgiveness is no different than those online that have been forgiven ( for a school that has already been proved by the U.S. Department of Education to have committed fraud, which I experienced first hand ). I am applying again with Navient and want to have them review the new application again, with additional support, and provide the reasoning why ( or why not ) the application is accepted or rejected ( per the Holder rule I am entitled to have this loan dismissed ). I noted that the same letter I received is not only consistent exactly with my first application, however also exactly what has been issued to many others ( and identified by the U.S. Senate review as being an issue ). I look forward to your support in this application as I believe fraudulent activities have occurred here to my detriment. Thank you for your time. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-25
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: Jana Ferrell & Associates LLC (TX)

I am XXXX and my husband is the sole bread winner in our family. But on my credit report it shows unpaid debt collectors. I've contacted the companies and have given them my husband 's information but they are still negatively hitting my credit