davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, Chase bank sent me a notice that they were closing all of my accounts. No reason was provided. I contacted the local branch and was told I needed to contact Chase at a 1-800 number provided to obtain a reason for the closure. I contacted that number and XX/XX/XXXX and XXXX and spent many hours on hold before being told that the accounts were being closed and no reason could be provided. They also said that the accounts would be closed on XX/XX/XXXX regardless of stay at home orders or my ability to access other banks. I escalated the issue to their executive office. After 13 days ( on XX/XX/XXXX ) they responded back that they would give no reason for the closure of the accounts, but would extend the closure date by 30 days. I specifically asked if they could give a reason for the closures that was not based upon discriminatory intent and they said that they could not.
Consumer complaint received 2023-01-06
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. (NJ)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I was charged a XXXX dollar NSF fee in my checking account. Basically, what happened was I thought I only opened one bank account but it turns out that I had opened three bank accounts. This is fine but since I did not know this, I gave the incorrect bank account information for my " growth account '' to my credit card company. PNC then denied them the funds even though they were in the account. I used the bank account information from when I first opened the account as I wrote that down. They should have given me all three bank account numbers when I first opened the account.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (TX)

The company just recently purchased the debt from XXXX on XX/XX/2019 and already suing me without notice. I believe they are now trying to sue because I am not allowed to properly dispute due to Corning virus and they have already showed up to my parents house and used scare tactics on them to get info. The debt collector is Calvary portfolio service.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (RI)

I attempted to open a credit card with XXXX. They were unable to process my application for the credit card because Experian would not release my credit report to them. I went through all the available methods set forth by Experian to ensure that my credit report was unlocked. To be clear, my Experian account online clearly states that my account is unlocked. However, each time a customer service representative from XXXX tried to pull the credit report from Experian, they were unable to do so. We called Experian and their automated phone messages were not helpful in the least. We are unable to get a credit card because Experian is not providing any avenues to rectify this glitch in their system and this is causing a lot of stress. 
If there is any way to get in contact with a human being at Experian who might be able to diagnose the problem and rectify it, it would be greatly appreciated.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting a late on my credit file for XX/XX/2019. I've had this account for a few years and have never had an issues with them in reporting inaccurate information. I have always made my payments on time and I don't know why this late is on my credit. I had no idea it was reporting until I recently checked my credit. I am requesting this is erroneous & needs to be removed!!
Consumer complaint received 2020-04-15
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF ED/XXXX/XXXX  XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX  XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

My student school loan ( loan number XXXX ) was previously serviced by Nelnet. I worked with Nelnet to sign up for an IDR program. They informed me verbally the IDR was approved for {$0.00} for 12 months in XX/XX/XXXX. I also received a letter dated XX/XX/XXXX from Nelnet confirming this program approval. My loan servicing was transferred to Sloan Servicing shortly thereafter. I contacted Sloan Servicing by phone in XX/XX/XXXX because I noticed that they were submitting derogatory credit information to the credit bureaus for nonpayment of my school loan payments. I was told that they see the notes from Nelnet but that do not have further information about my IDR program enrollment. I asked to speak to a manager. I was placed on hold after waiting almost an hour to speak to the initial person. I waited on hold again and the line was disconnected. I went to their website and sent a message to Sloan Servicing on XX/XX/XXXX. I notified them that they were reporting incorrectly to the credit bureaus and that I was previously approved for the IDR program at {$0.00} ( due to unemployment for one year ). I have received no response from Sloan Servicing as of this date. I am very concerned about my credit score and possibility of going into default as Sloan Servicing is now reporting 3 months delinquent. I can not reach anyone at the servicer to assist me. I obtained these loans in my XXXX and XXXX years beginning in XXXX. I initially borrowed around {$80000.00}. I have been making payments on the loans for over 24 years. I consolidated my loans to get a lower rate in the early XXXX because that was what was advised by the servicers. My loan balance is is more than double the initial loan amount despite making years and years of payments. I asked Nelnet for an accounting of my loans historically and they called me to say they can not provide an accounting. I have no idea how much I have paid into these loans. I was very appreciative of the loans allowing me to go to school, but I feel like an XXXX XXXX  now. I never thought my loans would follow me for the entirety of my life and never get paid off due to the compounding interest. Please let me know of other options that may be available to me with such old loans. Also, please help me get in touch with Sloan to stop the inaccurate credit reporting and get them to honor my approval for the IDR program that was provided by Nelnet. Thank you, XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (GA)

I opened my Uber Visa from Barclays on XXXX XXXX. The card offered a {$50.00} credit toward a streaming service if {$5000.00} was charged to a card in a membership year. I joined XXXX XXXX, which is a qualifying service. 

Barclays has responded that the credit should be issued, but the spend was not completed during the anniversary year, which is not accurate. I completed my spend in the anniversary year. 
" This benefit was discontinued when your credit card was converted to the Uber Credit Card on XX/XX/XXXX as described in the communications you received. At the time of your conversion, we allowed your account to complete the full 12 month anniversary year to ensure your benefit was not discontinued mid-anniversary year. However, once your anniversary year ended, the benefit was not renewed. ''
Consumer complaint received 2024-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (GA)

Dear CFPB, I am writing to file a formal complaint against CBA XXXX account number XXXX regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). It has come to my attention that the information reported by CBA XXXX pertaining to my account is violating the provisions outlined in the aforementioned sections. 

As per 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, despite this legal obligation, CBA XXXX has failed to ensure the accuracy of the information they have reported regarding my account. 

Additionally, according to 15 U.S. Code 1681i ( 5 ), if I dispute the completeness or accuracy of any information reported by a consumer reporting agency, the agency must, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. 

I have previously contacted CBA XXXX to dispute the accuracy of the information they have reported regarding my account, but they have failed to conduct a reasonable reinvestigation as required by law. 

If in fact that CBA XXXX believe I was given proper notification, please send me the certified receipt with my signature on it. I request that you remove this account from my credit report as my rights were violated. 

I request that this collection be removed from reporting to the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX Email : XXXX XXXX
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

The details of my AMEX gift card no. XXXX XXXX XXXX and no. XXXX XXXX XXXX were stolen on XX/XX/2020. I have known these when I checked the balance with AMEX on XX/XX/2020. The AMEX representative who received my phone call on that date told me that there were transactions made on XX/XX/2020 ( the same day I reported the unauthorized transactions ). I immediately requested AMEX for the deactivation of these cards which the representative did and replacement cards were processed and issued. I also alerted the merchant, XXXX XXXX, on the same day ( XX/XX/2020 ) of the unauthorized transactions and the agent on the phone told me that they will cancel the said transactions. I informed AMEX on the same day, what the merchant told me and the AMEX agent told me that it will take 7-10 business days ( by XX/XX/2020 ) to process all these. 

I called the merchant, XXXX XXXX on XX/XX/2020 to follow-up. The agent told me that they have already canceled the unauthorized transactions and gave me the authorization numbers for the said cancellation as shown in Attachment 1 hereof. They told me to call back AMEX to follow up. 

I called AMEX on XX/XX/2020 to follow-up my refund. They told me that they can not process the refund because the cards were already charged on XX/XX/XXXX and XXXX, 2020. This despite their action on deactivating the cards on XX/XX/2020. This is the reason why I am filing this complaint. I believe AMEX should fix my refund because they allowed the charges despite the deactivation alert right from the very beginning, on XX/XX/2020 yet.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XX/XX/2020 @ XXXX, I called Midland Credit Management and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Foreclosure action by JP Morgan Chase. Submitted Loss Mitigation Options package to Chase on XXXX, received approval on XX/XX/2020. Chase received Final judgement on XX/XX/2020, scheduled sale date of XX/XX/2020 on XX/XX/2020. Sale date was requested and established after the Loss Mitigation Request was approved on XX/XX/2020. 
JP Morgan Chase procured a Sale Date of XX/XX/2020 and a subsequent new sale date of XX/XX/2020 after the loss mitigation request was approved on XX/XX/2020, which is prohibited by section XXXX XXXX g ). JP Morgan Chase violated, Regulation X and the Fair Debt Collection Act. 
I have been unable to proceed with the Short Sale of the home because of the Banks aggressive foreclosure dates.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (SC)

I had an ER visit on XX/XX/XXXX with original creditor of XXXX XXXX XXXX XXXX. The visit was covered under my insurance of XXXX XXXX XXXX XXXX XXXX XXXX  and according to phone call with my health insurance provider on XX/XX/XXXX, they stated and I quote " They are an in network provider and they can not balance bill us for remaining amount of XXXX as the covered amount was paid so you owe this company XXXX '' The XXXX XXXX XXXX XXXX has turned this balance bill over to 3 separate collections companies, first they sent it to XXXX XXXX XXXX ( and this company reported this account as in collections on my credit report, also not good and needs to be removed ), then it went on to XXXX XXXX XXXX , XXXX , and most recently ( XX/XX/XXXX ) they sent it to Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX, XXXX.
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consolidated Recovery Group, LLC (VA)

In XX/XX/2019 I received a letter at home from consolidated recovery stating that I owed over 9000 in a chargeback for a XXXX XXXX merchant account and that it would be put on my credit report. Immediately called the company and asked what this was about, they said that if XXXX XXXX XXXX paid this I would have nothing to worry about, and didnt explain it any further than that. So I went to work at XXXX XXXX XXXX and told the company OWNER - which I am not, I was just an employee, that they needed to set up a payment plan for this debt. Which they did and sent checks under the company, this was never paid by me personally. Come XX/XX/2019 I notified consolidated recovery I was quitting XXXX XXXX XXXX  and gave them the contact information of the owner of the company, and they tell me then that if the company stops paying that I am personally responsible for the debt, per the agreement I signed. I explained to them I never signed an agreement and asked for a copy of this agreement. Once I received it I explained that I never signed this nor did I do this. I also asked since my signature isnt on this agreement if anyone could have done this. And the representative said yes. So again I state I didnt do this agreement, and to please send me a signed copy by me which they couldnt provide, and they say I have to do a police report and sign their paperwork stating that I didnt do this. NO Im not signing anything they sent me, because look at what happened when I didnt even sign this agreement. I also recently asked them per what it says in the agreement they sent, that says their client was responsible for doing a verification of all information in the agreement, and that I wanted to see the verification XXXX XXXX  did regarding this agreement and they have ignored me. I have asked for proof of my signature, and they have ignored me.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In XXXX of XXXX it was brought to my attention that I was over insured on my residence by XXXX. I was paying almost triple the premium needed for my home and mortgage. My attorneys are now investigating where this payment issue started. We are trying to see if this request for insurance was the request of SLS, the mortgage company. In the meantime, I connected with SLS once the new new insurance was issued and my mortgage payment was reduced by almost XXXX a month. In additon, they informed me that they would be doing an escrow analysis and I would be hearing from them with the amount. 
On XX/XX/XXXX, a check was issued for {$17000.00} from SLS to me. 
The check was number XXXX. The check was never received by me. I called numerous times and finally on XX/XX/XXXX, I received a letter from SLS stating I had not cashed the check and would I like it reissued? I called immediately and they said they would stop payment and re-issse check. It would take 6 weeks. I offered my fedex account, wire, etc. and they said this was their process and mail was the only way. 6 weeks to the day I called again because no check. I even changed my adress to make sure I received the check. As a matter of fact, I received other mail from them including bills and statements. I called six weeks later because no check arrived! I was told that the check request never went through and they would put it through immediatley. Now it would take ten days! I called every week and then every day. Each time a different story. They would say they did not see a new check request, or it takes up to 4 weeks, on and on. Finally, 8 MONTHS later, on XX/XX/XXXX, I spoke to a represenative who advised me a check was issued and it was in the mail! She said she was looking at a copy. I checked the mail every day and it arrived 7 days later for {$10.00}, XXXX less! The check was for {$7600.00} without a letter, notice or expalnation. Imagine never calling or explaining. When I called and had to leave ten or more messages, and call very day before a call back, I demanded a supervisor and would be put on hold for over 40 minutes and asked to repeat the story over and over. I was told they made a mistake they should have never mailed the money. It was there error and this is all I was getting and they put the XXXX back into my escrow account. I asked what if I received and cashed the check in XXXX -- - NO ANSWER! This is unacceptable and all they were to be doing is issuing a replacement check. WHY did they take my money. I expected this money and need this during this finacial crisis. each time i call and get a suoervisor they say the escrow team is looking into it and they will call back at XXXX the next day -- NO CALL!!! if they do, we start all over again. PLEASE HELP!
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (FL)

I recently went over my credit report and I was shocked to see that there are some inaccurate accounts being reported on my credit file. Those derogatory accounts are not mine and I have no knowledge of those accounts. I have no knowledge of how someone would have access to my credit report and because of this, I have no chance of acquiring any new credit. Please conduct re-investigation into this problem and have those derogatory accounts removed off my credit file