davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (MT)

We began to fall behind on our mortgage in XX/XX/XXXX, we contacted Caliber, they appear to be very helpful and let us know we can take our back mortgage and divide it out over a 3-month period. You pay your current mortgage and part of your past due. We were given a new due date ( the XXXX and not the first ) so we are making our payments on the correct date, what they did not disclose is that even though we were making our payments on the new given date of the XXXX they were reporting it as late because it was not on the first. In XX/XX/XXXX we then went to them and did the mortgage modification plan, again, set up with a new due date. If all payments were made on time your mortgage was modified and you were given a lower mortgage. But is the Caliber style, the payments showed up as late. We now have ( 4 ) 120 days past due on our credit. We sold our home in XXXX XXXX and our mortgage was paid in full. I have contacted them several times, disputed this with not only Caliber but also the credit reporting agencies, they refuse to take the inaccurate reporting of late payments off our credit report preventing us from purchasing a new home. They take advantage of people desperate to save their homes and trap you in your mortgage with them because you cant get a loan or refinance with anyone else due to their predatory practices. We even tried to purchase a new home ( we moved our of XXXX  to XXXX  ) they offered us a new loan, but in the Caliber style of things, 30 % down, an interest rate at 8 % and over {$10000.00} in closing costs. We worked with Caliber for one year trying to get our mortgage on track, followed exactly what they said to do, paid on the days given to us by them and they destroyed our credit. If you are {$1.00} behind, they will report you over and over. They are unethical and prey on vulnerable people. I am shocked there has not been a class action law suite against them.
Consumer complaint received 2017-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XXXX XXXX, 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX
Consumer complaint received 2017-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

Late in the evening on XX/XX/XXXX and first thing in the morning on the XX/XX/XXXX I am still unable to make purchases through Coinbase. It says my account is XXXX and I was making purchases earlier this week without any issues. How convenient that the system was down when the price was down and how convenient the system was down when the price was up
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

At the end of XX/XX/XXXX I received an offer from XXXX XXXX to apply for a loan, which was then denied due to an outstanding collection I have. I was not aware that I had a collection in my credit report until this occurred. I have now learned that there is a collection against me from a loan I cosigned for years ago. 

When I look at my credit report I see in XX/XX/XXXX there were a few ( three I believe ) late payments from the owner of that cosigned account. Then after XX/XX/XXXX it  shows a {$0.00} balance and green check marks as if the account was then caught up and current. I also did not know that the payments had fallen behind that year, I never got any late payment notices and my credit score did n't change. The balance to that account showed {$0.00} in the last year. I thought the primary owner of the account had paid it off because there was no other information provided to me. 

Now there is a collection on this account. Only in XX/XX/XXXX did I receive notification of collections in writing, which is well after it has started to show up in my credit report as a negative impact. I tried to dispute this with the credit report agency, they ignored my complaint, and I also complained to this agency but since I did n't have any info on the collector nothing could be done. 

Now I have a letter from the collector, it is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX. Again, this is well after it has negatively impacted my credit when I was n't even aware that the debt still existed, and when I did discover in in XX/XX/XXXX I was given no means to catch up with any payments. Now it 's due all at once and I can not pay it as such. 

My credit history is perfect otherwise, I have never had a late payment registered anywhere since my credit history began. I never would have let this become a collections account if I knew about the issue. I think my own credit history ( not the cosigned account and collection ) is proof enough of that.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch (FL)

The money ( XXXX $ ) I paid to mortgage company XXXX ( CalAtlantic ) disappeared during my mortgage transition to the other mortgage company ( XXXX XXXX ). 
The XXXX ( CalAtlantic mortgage company ) erased my two regular payments and extra XXXX from the payment balance and marked it as " MissaplicationReversal ''. I have not received those money back. 
The CalAtlantic refused to provide explanations.

I also asked investigation initiation by my bank ( XXXX ). 
I requested investigation by XXXX XXXX ( new mortgage company that bought my mortgage from CalAtlantic ). They have not been able to provide explanations for 1.5 month. 
I claim that my money have been stolen by CalAtlantic mortgage.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX I contacted Chase that there were unauthorized charges on my credit/debit card in the following amounts : {$260.00} XXXX XXXX {$300.00} XXXX {$470.00} XXXX {$480.00} XXXX I reported that my card was stolen. 

On XX/XX/XXXX I completed the enclosed form and was given a temporary credit on XX/XX/XXXX. ( see attached forms ) On XX/XX/XXXX I was advised that they would be removing the temporary credit. When I contacted them they advised that since the PIN was used they were legitimate purchases. I again advised them that my card was stolen and that I had not made the purchases.
Consumer complaint received 2020-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

the account does not belong to me and is fraudulent, police report and Federal trade commission was informed Bank of America and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me
Consumer complaint received 2015-08-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. 
Now Iam facing foreclosure.
Consumer complaint received 2017-11-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I was affected by Hurricane Harvey and was approved for a forebearance plan on XXXX-XXXX-17 with Caliber Home Loans that would allow me to skip my mortgage of XXXX for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The forebearnace plan was offered to me, and since I needed to make home repairs, I took advantage of it since I was told my balance would be added to back of the loan and that my payments would resume as normal in XX/XX/XXXX. Today, I fear Ive been scammed. Ive received bills and a certified letter stating Im at risk of foreclosure and the total amount is due. Yesterday I spoke with XXXX in customer service and was told that I could avoid foreclosure my remodifyinh My loan and that it was already going through that automatic process which could result in higher interest rate ( my current rate is 3.625 and he stated it may go up to 4 percent or more. Caliber has taken advantage of hurricane Harvey victims by promoting payment plans via get help hooks on their website and yet developing a scheme that is only benefiting them, and will only hurt their clients. Please help.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

I received an email from XXXX XXXX XXXX Mortgage on XX/XX/XXXX that my home mortgage loan was being transferred to Specialized Loan Servicing. XXXX claimed that the XX/XX/XXXX email was a follow-up email, but I did not receive any info about the loan transfer previously from them, nor have I received any info since that time. XXXX provided the name of the company where the loan was transferred, Specialized Loan Servicing, and a phone number to reach them. Although I've made numerous phone calls to SLS, each time I was put on hold indefinitely and I have still not been able to reach anyone there. There is no email address to contact them. The SLS website states that they could be contacted through XXXX and XXXX. When I clicked each of those options, it took me to " XXXX. '' I contacted XXXX on both XXXX and XXXX  and was told an agent would contact me, but I have not been contacted by any of their agents. I have received no correspondence at all from Specialized Loan Servicing or XXXX with any information about my loan transfer or how to make a payment. I tried to make a payment on the SLS website but was unable to do so because they have not provided me with an account number. As XXXX stopped accepting payment on XXXX, I am unable to make a payment on the XXXX website. My payment was due XX/XX/XXXX and it is now XX/XX/XXXX but I still haven't heard from Specialized Loan Servicing and I am still unable to make a mortgage payment. I'm wondering if they are intentionally not contacting customers so they can tack on a late fee and claim the payment was not received. This is absolutely ridiculous and unacceptable. I shouldn't have to reach out to SLS on XXXX and XXXX because there is no other way to reach them. I also shouldn't have to file a complaint with CFPB to get this issue addressed.
Consumer complaint received 2019-03-08
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: BARCLAYS BANK DELAWARE (TX)

My name is XXXX ( XXXX ) XXXX, which is a very common name. I do not currently own an account with this company. The issue is this account is being reported to XXXX, XXXX  and XXXX  as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Consumer complaint received 2017-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I have two consolidated loans that I am paying off. I took them out with XXXX XXXX and started paying them back late XXXX or early XXXX. Navient took over these loans in XXXX I believe. I have automatic payments since payback period took place and have never missed a payment. I look at my statements every month to see the total slowly going down. In XXXX of XXXX my statement said I owed {$49000.00} and previous statements showing this total going down each month. My XXXX statement said I owed {$52000.00}. {$3300.00} was added to my loan and I ca n't get an answer as to why. I have been paying back this loan for almost 9 years and now extra interest is being added on and Navient keeps giving me different answers. It has been 4 months since I 've started my inquiry. I have had 4 chat conversations of which I 've saved and 3 phone conversations. Every time I get a different reason as to why with no solution. In the end they tell me they are going to send it to their research team and I should hear back within 14 days. I 've heard back twice with a form letter explaining how interest works and a second letter saying Navient took over my loan from XXXX XXXX. Neither of which answers my question as to why after almost 9 years of paying back my loan they added interest of {$3300.00}. I talked to a supervisor yesterday who ca n't explain it and again she said she 'll send it to the research team. I do n't know what else to do. I received two answers saying my graduation date was changed in the national student database of which I then had XXXX University correct it. That did n't solve it. I 've had them say they do n't see an issue even after showing them my monthly statements. I 've had them say I was on an interest only paying loan which is n't the case when you look at 9 years of payments. I 've had them say it was on a 2 year graduated repayment loan of which I said how can that be since I 've been paying this back for 9 years. I 've had them say my last 9 years of statements were wrong and now it is right. I ca n't get a straight answer and it is obviously because they do n't have one.
Consumer complaint received 2020-04-19
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 — Was not notified of investigation status or results
Company: American Credit Acceptance, LLC (AZ)

This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

I have an account with XXXX, a cryptocurrency exchange. 

In early XXXX I noticed a possible security breach related to my 2 factor phone settings. As a response, Gemini froze my account. 

Since then, after 3 separate support tickets and 6 emails bumping them, they have had zero response, and have not taken further steps, including to unfreeze my account. 

I have asked them for status updates and to unfreeze my account so I can at least transfer my money and shut down the account. This is unacceptable.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Per Texas law, this company is required to provide proof they legally own this debt. All I continue to get is portion of statements. This is not proof they legally own this debt to be able to collect. I will be filing a compliant against them with the XXXX 

Also, this company has also failed to disclose all the names they are known by or formerly known by to me. This is also a violation of Texas law. 

Texas Fair debt collection practices. 

Texas Fair Debt Collection Practices Act 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.- ( 2 ) failing to maintain a list of all business or professional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector ; Under the Texas business and commerce code I was not provided proper notice of this debt being sold to this company nor do I have a contract or any other obligation to this company. 

Texas Business and Commerce Code - BUS & COM 9.611 through 9.613.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates (TX)

XXXX  notified me via my membership of a NEW collection acct called SG and Associates - Amt XXXX There Address XXXX XXXX XXXX XXXX XXXX CA XXXX They List the original creditor is XXXX XXXX and then XXXX XXXX XXXX in XXXX TX They list this debt to be XXXX ** This is MAIL AND WIRE FRAUD * FRAUD BY DECEPTION - XXXX  and XXXX XXXX Refuse to enter this fraud debt on my reports, XXXX  is the only bureau to report=- Twice I have sent XXXX  an FTC AFFIDAVIT of ID THEFT. 

I ask The CFPB step in and delete this from my Credit Bureau Immediately - I am XXXX, XXXX and have been since XXXX- I phoned the manager at XXXX XXXX XXXX and they have no record of a XXXX XXXX XXXX . 

The Stute of Limitations on said debt no matter who it was is expired in Texas This blatant Fraud has cost me thousands of dollars and I will seek legal relief immediately
Consumer complaint received 2020-10-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC (OK)

Village Capital opened a mortgage loan application on XX/XX/2020,  offering to refinance our current home mortgage loan at 2.5 %. I spoke to XXXX XXXX the loan officer and asked him to close the application, we were not interested in refinancing with them due to all the additional fees involved. However, they proceed with our mortgage application without our authorization. We did not close or sign any loan paperwork to accept a new mortgage loan, but it showed up on our credit report. We received a congratulations for the new mortgage loan  notice in the mail dated XX/XX/XXXX, then a mortgage statement dated XX/XX/XXXX. XXXX left me a voicemail on XX/XX/XXXX trying to set up a closing date. I called on XX/XX/XXXX, to find out more information, XXXX the receptionist, stated their systems were down and no additional information was available and refused to transfer to a manager. I completed a police report and a better business bureau report on XX/XX/XXXX. Finally, XXXX XXXX a compliance manager at Village Capital sent me a letter stating they will conduct an internal investigation. I received a past due notice for the mortgage dated XX/XX/2020 in the mail and forward that notice to her. XXXX said theyll cancel the loan out in their system.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (OH)

I pulled my credit report and was looking over it and seen there were accounts i have no clue as to where they came from and or authorized to be on my credit report. This is an act of identity theft and according to Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) the specific information under dispute is derogatory nature : AMERICAN EXPRESS # 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.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

Due to our payment due date ( XXXX XXXX, 2015 ) falling on a Saturday, Chase posted an announcement on Chase.com stating that payments received by Monday, XXXX XXXX, 2015 would not be considered late. On Monday, XXXX XXXX, 2015 at XXXX EST, I made our monthly mortgage payment on Chase.com from an External Checking Account. According to the information displayed on Chase.com online payment screen, the cutoff time for " same day payments '' from an External account is XXXX EST and XXXX when paying from a Chase account. 

There is an error within Chases online payment system that Chase is ignoring. I presented this same issue to Chase about a year ago and see that it is still a problem with classifying payments made from External accounts prior to XXXX EST as Same Day payments. 

Not only for myself, but other consumers, this gap is causing consumer to be billed late fees in error and potentially causing delinquency for some. When I spoke to the representative in Chase Online Banking department on XXXX/XXXX/15, they said they were unable to make any adjustments due to the payment posting after XXXX/XXXX/15 when they clearly see that I made the payment at XXXX EST on XXXX/XXXX/15.