davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (OH)

Name : XXXX XXXX AKA XXXX XXXXPrimary Business Account # : XXXX Number : XXXX, XXXX ( XXXX ) XXXX have been originating a home loan through Chase, and the home is being built by the company/contractor, XXXX XXXX. Chase has previously completed an appraisal on the property, and the company XXXX XXXX has completed an inspection, however many errors and problems with the home have recently been discovered. 

Cracks in the foundation/cement in the basement Crooked windows Leaking in the basement Sewage backing up/leaking dripping into the basementThese are just the visible things that have been missed, and I have no idea what other structural issues are going on with this property. I now have deeper concerns about the electrical, the plumbing, and the structural integrity of the property. 

You have my permission to contact any parties in this matter to help with a resolution. 

The best way to reach me is via Cell Phone XXXX, and through Email. 


Thank you for your help in this matter, XXXX XXXX________________________________________________________________________Cell Phone XXXX # : ( XXXX ) XXXX Phone XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX # : ( XXXX ) XXXX : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX Home Address : XXXX XXXX XXXX XXXX, OH XXXX House Address ( To be closed on ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX | Mortgage Banker | XXXX ID : XXXX Mortgage Banking | Chase | XXXX XXXX XXXX XXXX , OH XXXX | Office : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXXXXXXXXXX |
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KS)

A charge from XXXX XX/XX/XXXX was charged to a deceased person 's account. This individual has been deceased for over seven months. Her daughter ( me ) handling her affairs was unaware of the card 's existence until the statement was received in the mail. Upon calling XXXX I was unable to provide them with necessary information to locate the account nor reverse the charge. 

I called the credit card company and they refused to reverse the charge because the card was " closed after the charge occurred. '' Their estate department claimed they would proceed in trying to collect on this charge. While only {$120.00}, I find this ridiculous and appalling. How can you charge a dead person? 

I hope you can help, because the hour I spent trying to talk sense into them did not work. This all occurred today, XX/XX/2019 around XXXX. I spoke with XXXX initially who referred me to the estate team. XXXX in estate services. 

XXXX XXXX, supposedly a supervisor for XXXX, who gave me an id # XXXX who said that they would reverse the charge and transferred me to their dispute department. XXXX in XXXX, TX in the dispute department who said they would not reverse the charge, dispute the charge, and initially tried to say the account wasn't closed, and then said that the account was closed after the charge occurred therefore making the charge valid. XXXX refused to transfer me back to XXXX and stated that the id # given meant nothing. XXXX refused to transfer me to a supervisor. 

All names and information given about the people is all they would tell me. I did call back and speak to a random operator in the call center who verified that XXXX meant nothing to them and could not get me to XXXX XXXX.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute with all 3 credit bureaus in reference to a Public Record/ Bankruptcy, the Docket # is XXXX. It was stated to me through updated credit reports that the information was verified through XXXX. I contacted XXXX, because and was told that no one has contacted them about my consumer report between XX/XX/XXXX and XX/XX/XXXX. I requested verification of the accuracy of this information being reprted. Since XXXX was not contacted by any Credit Bureaus, I would like to claim that the information that is being reported is erroneous.
Consumer complaint received 2017-03-29
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I am a victim of identity theft and noticed a collection from AD ASTRA. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

SUMMARY : BANK OF AMERICA REFUSED TO TIMELY DEPOSIT MY BENEFIT FUNDS FROM THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT INTO MY ACCOUNT, AND IS ALSO REFUSING TO COMPENSATE ME FOR LOSSES DUE TO THAT FAILURE. 

DETAILED NARRATIVE : THE CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT ISSUES BENEFIT PAYMENTS VIA A BANK OF AMERICA PREPAID DEBIT CARD. THE PREPAID DEBIT CARD PERMITS FUNDS TO BE DEPOSITED INTO A SPECIFIED CHECKING ACCOUNT ON DEMAND VIA ACH. 

I INITIATED AN ACH FUNDS TRANSFER VIA THE WEBSITE ON FRIDAY, XX/XX/2019, BUT BANK OF AMERICA REFUSED TO COMPLETE THE TRANSACTION. I AGAIN TRIED ON XX/XX/2019. BANK OF AMERICA AGAIN REFUSED TO COMPLETE THE TRANSACTION. 

I CALLED THE PHONE NUMBER ON THE BACK OF THE CARD TO REQUEST THAT THE TRANSFER BE COMPLETED. THE REPRESENTATIVE ALSO REFUSED TO INITIATE THE TRANSFER, STATING THAT THERE IS A MAXIMUM DOLLAR AMOUNT THAT CAN BE TRANSFERRED IN A SEVEN CALENDAR DAY PERIOD. 


A DOCUMENT ENTITLED " CALIFORNIA EMPLOYMENT DEVELOPMENT DEPARTMENT DEBIT CARD ACCOUNT AGREEMENT '' WAS PROVIDED WITH THE PREPAID BENEFIT CARD I RECEIVED. I CAREFULLY REVIEWED THIS AGREEMENT IN ITS ENTIRETY. NO SUCH MAXIMUM DOLLAR AMOUNT PER SEVEN CALENDAR DAY PERIOD LIMITATION IS SPECIFIED IN THE ACCOUNT AGREEMENT FOR ACH TRANSFERS. THE ONLY DOLLAR AMOUNT PER TIME PERIOD LIMITATION SPECIFIED IS A DAILY {$1000.00} ATM LIMIT. 

I SPOKE WITH THE REPRESENTATIVE 'S SUPERVISOR, XXXX XXXX IN XXXX TEXAS. XXXX CONFIRMED THAT BANK OF AMERICA WILL NOT COMPLETE THE ACH FUNDS TRANSFER I REQUESTED DUE TO A SEVEN DAY TRANSFER LIMIT, DESPITE NO SUCH LIMITATION APPEARING IN THE ACCOUNT AGREEMENT. 

I ALSO REVIEWED THE ACCOUNT AGREEMENT WITH XXXX. I EXPLAINED THAT SECTION 12 OF THE AGREEMENT STATES : " IF WE DO NOT COMPLETE A TRANSFER TO OR FROM YOUR ACCOUNT ON TIME OR IN THE CORRECT AMOUNT ACCORDING TO THIS AGREEMENT, WE WILL BE LIABLE FOR YOUR LOSSES OR DAMAGES. '' I ASKED WHETHER BANK OF AMERICA WOULD COMPENSATE ME FOR MY LOSSES, INCLUDING LOST INTEREST. 

XXXX DID NOT AGREE THAT BANK OF AMERICA WOULD COMPENSATE ME FOR LOST INTEREST FOR FAILURE TO COMPLETE THE REQUESTED ACH FUNDS TRANSFER ON TIME. HE FURTHER DID NOT PROVIDE ME ANY OTHER WAY TO REQUEST SUCH COMPENSATION. 

I INFORMED XXXX I WOULD BE FILING A COMPLAINT WITH THE CFPB, DUE TO BANK OF AMERICA 'S FAILURE TO COMPLY WITH THE ACCOUNT AGREEMENT. 

AT THE END OF THE CALL, XXXX OFFERED TO PUT ME IN TOUCH WITH A SEPARATE DEPARTMENT WHICH WOULD OPEN AT XXXX THE FOLLOWING DAY, WHO MIGHT BE ABLE TO ASSIST ME FURTHER. I GAVE HIM A CALLBACK NUMBER, AND WE MUTUALLY AGREED THAT I SHOULD EXPECT A CALL BACK BY THE MIDDLE OF THE NEXT DAY. 

I DID NOT RECEIVE THE RETURN CALL AS EXPECTED.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I took a high interest loan on a five year term. I paid the loan off in 35 months. the payoff was very little difference from the entire term of the loan. I received a letter 10 days after the loan payoff offering a refinance from the same company. the payoff on the letter was less than what I paid 10 days ago. the loan company told me to bring the letter up there. I did with no resolve. the person on the letter did not work there and it has me wondering if something very wrong is going on. I attempted contacting an attorney but did not find anyone is this field. I think this is predatory lending and should be stopped.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

There is an account showing on my Experian report as an open collection account. This is an error on the part of Experian. I have contacted the original credit issuing company, XXXX, as well as the listed agency on Experian, XXXX XXXX XXXX  ( acct # XXXX ) and they confirm this issue is on the part of Experian. 

Neither XXXX  nor XXXX  show that I have any collection accounts on my report, as is verified through Experians own app. Only Experian says I have a collection account on my report. This is an error, I have nothing in collection, every account to my name is current and in good standing. 

As a result of this error my credit score through Experian is far lower than my score through the other two credit reporting agencies, and this has resulted in my being denied services for the purposes of refinancing my mortgage. I request that Experian please correct this issue by removing this item from my report.
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assurance Professionals LLC (TN)

Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company.
Consumer complaint received 2015-07-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

we had aa XXXX Mortage on our home with ( XXXX ) bank of XXXX. been calling for a month talking with several people getting the run around from Bank of America to relase the title that they are holding which is CRIMINAL- this happened in XXXX but in XXXX on the financial crisis XXXX had a class action lawsuit against them for giving out bad loans. Bank of America ref # XXXX left massages for XXXX XXXX that is title release supervior XXXX no call back. trying to do a direct sell my home. I need this taken care. please HELP!! Name XXXX XXXX phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need any more information please call.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is to check on the status of my previous complaint against Bank of America. Complaint number : XXXX. I sent a subsequent follow stating that Bank of America did not address my concerns. I have not heard the status of that second follow up. Also, The link from CFPB that was emailed to me is no longer working. Please advise.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WA)

My bank called, needless to say it was not my bank.They said someone was trying to use XXXX to get my money and they had to close them and I did what they said. So they got my money. {$3500.00}. I've never have used anything like this.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I filed a CFPB complaint against American Express on XX/XX/2019, got response from the company today as of XX/XX/2019. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. This was a deceptive marketing event and though my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.
Consumer complaint received 2023-08-17
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. (CA)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$190.00}.
Consumer complaint received 2022-09-06
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. (TX)

I have tried numerous times to formally resolve this matter with Equifax to no avail. I am asking your assistance in this matter to resolve it in accordance with the law. I sent a certified letter ( XXXX ) via USPS that was received on XX/XX/2022 to dispute an account ( XXXX XXXX XXXX XXXX ; ACCOUNT # XXXX ) on my credit report from Equifax XXXX I received a response from Equifax stating the account was updated on XX/XX/2022. I sent out another certified letter via USPS ( XXXX ) asking a description of the investigation that was received on XX/XX/2022 ensuring the 30 days had past to ensure the was no in the 30 days from receipt of my dispute. To this day I have not received any response of a description of the investigation as per FCRA 611 a ( 7 ) which states a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. It is now XX/XX/2022 which would make it 69 days from that request. I have several attempts with Equifax obtain the information via USPS certified mail ( XXXX, XXXX ) but have not had any success. I have received a credit report from Equifax stating the account was verified each time after that. How can the account be verified without sufficient evidence. Equifax also violated FRCA 623 for the required notice of dispute within 30 days upon receiving a dispute. As of XX/XX/2022 the required notice of dispute is not on the credit report I was sent via USPS nor is it on my credit report on Equifaxs website. This account needs to be removed due to the violations of the FCRA. I will provide evidence of for the violations that have occurred.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Wells fargo has engaged in my account multiple transactional manipulation and excess fee .charges. On  XXXX   XXXX  I checked my account and saw that if was negative  XXXX . I promptly made  XXXX  deposits on  XXXX   XXXX  to cover this.  XXXX  being a cash deposit of {$50.00} and the other for {$15.00}. At that time my account was drafted again via  XXXX . I was assessed with over draft fees even though my account was not negative from the cash deposit. They manipulated transactions and charged over draft fees to put me in the negative in an effort to charge more on top of those.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CT)

I have repeatedly emailed Fay Servicing since XX/XX/2020, about hazard insurance being taken out of my escrow account when I already pay for the appropriate level of hazard insurance in force. I have received phone calls from Fay Servicing Customer Service staff asking me to not only prove that I had the insurance but that I paid for the insurance. I have done as requested and emailed the information to Fay Servicing Customer Service. I still have not received a response that any hazard insurance paid from my escrow account has been or will be returned. On XX/XX/2020, I was informed by Fay Service Customer Service staff that the matter was going to be sent to Fay 's insurance department for review. 

In the meantime, I received an 'Escrow Account Disclosure Statement ' from Fay Servicing XXXX XX/XX/2020, indicating that {$890.00} in flood insurance will be charged to my escrow account in XX/XX/2020. I have historically paid this myself directly with no escrow. Since Fay Servicing is not authorized to pay for flood insurance out of my escrow account, this needs to be reversed, and my payments adjusted appropriately. Any flood insurance paid on my behalf by Fay Servicing last year needs to be returned. 

The 'Escrow Account Disclosure Statement ' also indicates that Fay Servicing paid {$2000.00} for hazard insurance on my behalf in XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX refunded this to Fay Servicing on XX/XX/2020. This error also needs to be corrected and addressed since I pay monthly hazard insurance directly to XXXX XXXX. 

I received a letter from Fay Servicing dated XX/XX/2020, saying that they had received my most recent correspondence that I sent certified mail on XX/XX/2020. Fay Servicing said that they needed 30 business days to respond. I have not received a response and it has been more than 30 business days. They referred me back to their Customer Service Department as well.

Since Fay Servicing has prior bad acts on record concerning taking customer 's money for hazard insurance when they already have it or overcharging for hazard insurance, I am filing this complaint.
Consumer complaint received 2019-02-26
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)

I submitted a verification letter to XXXX XXXX XXXX and received a screenshot of a statement. I informed the collection agency ( XXXX ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX and XXXX removed the said inaccuracy/ violation however Experian started that XXXX said to keep it on my credit report because they said it is accuracy. I also requested to see the document XXXX   submitted and they confirmed it's the same one they sent me. After speaking with three individuals from Experian ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact XXXX  and see if they can remove it.
Consumer complaint received 2020-10-20
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. (AL)

I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (LA)

In the month of XXXX, Enhanced Recovery suddenly reported a so called debt on my credit report and never sent me anything prior to reporting giving me the right to dispute the account before reporting it. As soon as the account showed up, I immediately sent a letter requesting validation of this supposed debt and I sent the letter certified. The letter was mailed in XXXX and still to this date, I 've yet to receive a response but the account remains on my credit profile.