davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

CFPB complaint XXXX was denied by XXXX in XX/XX/2021. Chase has proceeded to retaliate for filing this report. In XXXX XXXX received per their knowledge that Chase reported this account now nearly 6 years closed and 60 days late. 

I am filing another CFPB report against XXXX as well for illegally posting adverse information against a long closed and paid full account. 

I am providing added information related to Complaint XXXX again outlining how Chase Mortgage was slow to process a mortgage pay-off from another financial institution, likely also in retaliation. 

I am demanding monetary reimbursement for 5 years plus of unjustified reporting by Chase and now more emotional distress as I prepare for an new business loan which will be stalled until this is resolved. I had a credit rating of 820 plus which dropped 61 points overnight due to XXXX Chase retaliation.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Comerica (CA)

On XX/XX/2020, an unauthorized, fraudulent check for {$1900.00} was deposited into my Comerica checking account, by another person without my knowledge or consent in violation of California Penal Code Section 476a, and 18 USC 1344. 

I filed Police Report # XXXX, with the XXXX Police Department in XXXX XXXX, CA, and provided evidence of fraud being used by the other person, I also reported it to Comerica within a timely manner as soon I noticed my account being negative. 

The Comerica Representative investigating my claim of Fraud has improperly determined that I am liable to pay the bank back for the other person committing fraud without my consent, knowledge or authorization. That decision was made in violation of the EFTA, 15 USC 1693g, and other consumer Federal Fraud protection statutes and regulations. I asked a Comerica Representative what fraud protections do they offer and was told they will investigate. I was not provided any explanation of the investigation nor any instructions on how to dispute the liability of another person 's fraud. 

Now Comerica has reported to Chexsystems and debt collection I owe the bank {$1300.00} but the other person accessed my username and password for investment purposes. As a person who makes stock investments, it is common for online investors to provide username and password info to investment institutions and personnel. I have provided that info to other institutions for investment purposes and they didn't deposit a fraudulent check, but one person did without my authorization, so I should not be liable for criminal act of another person.
Consumer complaint received 2021-05-15
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (NY)

Re Account : XXXX Discover Bank listing negative to the three major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. The reports are inaccurate. I have contacted Discover via certified mailed, discover failed to produce any supporting doc. NO doc received from Discover.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (MD)

I just refinanced my mortgage with Everbank. My loan went through and the old mortgage was paid off. But in the time between the payoff and the automatic payment of my XX/XX/XXXX mortgage ( which was not supposed to be paid ), the bank took out the monthly payment, a mistake on their end, and instead of refunding that payment to me, they applied it to the new mortgage. I told them that I wanted the entire amount that they owed to me to be refunded. I am still waiting. They are telling me that they can only refund a partial amount. It was their mistake, and I want all of the money owed to me.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

The company, Equifax, never responds to calls, has no provision to contest statements such as the following on their website ;. 
Equifax is reporting the following errors ; 1. Serious delinquency - I notified XXXX XXXX regarding covid relief last year with automatic payments during the months XXXX, XXXX, XX/XX/2020 are showing up late ... Equifax is still reporting this which is not valid, listing it as a 'serious delinquency. ' 2. Equifax is reporting I have high loan balances ... not true. Equifax states the remaining balance on my mortgage is 'relatively high ' ... .that is an opinion, not based in fact. I have a balance of XXXX XXXXXXXX on my mortgage paid down from XXXX XXXXXXXX ... XXXX XXXXXXXX in Connecticut for a 4 bedroom colonial home is NOT high. 
3. Equifax is reporting too many accounts with high balances - NOT true. I have two credit cards with a combined credit limit of XXXX XXXXXXXX, and owe {$1500.00} on average ... that is NOT high. I have a student loan for my XXXX, which is XXXX XXXXXXXX and hasn't even started yet ... that's it ... that is not " too many ''! 
4. Equifax reports " High Credit Usage '' - how can that be? my revolving credit is as I stated in 3, XXXX XXXXXXXX with a balance of just {$1500.00}!!!
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ID)

I was an XXXX. The company failed. It did not file bankruptcy but became insolvent and defunct. XXXX XXXX pursued me personally for a company debt. I tried to communicate with them on many occassions but they ignored it. They sent the account to collections and sued me. I hired an attorney. XXXX XXXX failed to substantiate their claim and the case was dismissed. Now they are still reporting the debt on my credit report. I submitted a dispute with Experian, but they will not take it off the report.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I am writing this complaint with hopes that you are able to assist me. During the pandemic the president signed the " Cares Act '' which placed all federal student loans on a pandemic forbearance/suspension. To my knowledge all of my student loans are federal student loans so I assumed that all of my student loans would be placed in this status. The cares act with respect to the student loans was extended at multiple stages throughout the 2020 year due to the continued state of the Covid-19 pandemic. It was not until late XX/XX/XXXX that I pulled my credit report and noticed that half of my student loans were reporting as current and the other half was reporting as past due. I immediately contacted the Navient company to find out what was going on. I spoke with a representative and I was informed that yes all of my student loans are federal student loans however half are owned by the Department of Education and the other half was owned by Navient. I immediately attempted to rectify the situation by applying for a deferment which was approved. However reporting on my credit report are late statuses for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Navient has been sending my past due status and my monthly statements to an UNKNOWN ADDRESS, for which I am attaching those documents. FYI I was able to recognize the address discrepancy because during one of my conversation with a customer service rep she walked me thru accessing the documents online and I noticed that for some odd reason they were sending certain correspondences to my address XXXX XXXX XXXX but some to an incorrect address for which I have never lived XXXX XXXX XXXX XXXX # XXXX. I added this to explain why I was not more proactive in trying to rectify the situation before it even got to this point where the accounts were reporting past due. Whats wierd is they were sending letters to this address telling me they were unable to get in touch with me to the same address they were unable to contact me at. Looks like they updated my address since. 

Regarding : Account # XXXX Attaching 1. Cares act info 2. Screen shot displaying the past due statuses on my credit report 3. A few documents showing proof that notices were being send to wrong address.
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I reveiwed a current copy my credit report and show that an alleged collection to whom I have no knowledge is listed. I also reviewed alleged collection is shown as a charge of with a reporting open balance of {$1400.00} to which by law of FDCPA is a direct violation. Below are details of alleged collection item for review. 

creditor : XXXX-XXXX  XXXX  ( Original Creditor : XXXX XXXX MISSOURI ) Account Number : XXXX Also, this account also is listed with a hospital to whom I have no knowledge of given anyone permissable purpose to review any medical documents if any under federal law of HIPPA XXXX Please delete account.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (AZ)

I went to a Chase branch to open an executive account with two checks greater than XXXX In XXXX of last year. While there, a nice lady helped me, and she insisted that I switch my account to a premier checking account and that all fees would be waived because of the balance. Well since then, I have nothing but serious headaches with Chase. I believe this was done in fraud to help boost their monthly metric or goals for new account conversions. Ive been getting billed each month a monthly fee of {$25.00} and Ive called Chase over a dozen times, I even made an appointment to visit the branch and speak with a manager and he advised me that he could waive a portion, and assured me that my account was merged correctly. During this conversation I was still on the line with a manager from customer service. I left feeling confident that my issue was resolved. Next month comes and I get another monthly fee, and the initial request for the previous fees were denied. This does not protect my rights as a consumer and I dont feel safe with Chase any longer. Im considering hiring a lawyer. People should have a peace of mind when banking.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I contacted Rocket Mortgage for a cash-out refinance loan. 
They provided me with terms and I communicated that I was not interested and found a better solution. 
Since that time ( 2+ months ago ), they continue to call me about every two hours between XXXX XXXX and XXXX XXXX. 
I am logging in a harassment case. 
They have some kind of robo-calling campaign and its harassment.
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (TX)

The debtor is Sterling Jewelers, their XXXX number is XXXX. 
They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.
Consumer complaint received 2021-05-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, XXXX, AND EQUIFAX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

RE : Fifth Third Mortgage # XXXX My home mortgage is with Fifth Third Bank and my Checking account is with XXXX XXXX XXXX. My XX/XX/XXXX mortgage payment was processed and posted to my checking account on XX/XX/XXXX. Fifth Third bank applied the credit to my mortgage account but reversed it on XX/XX/XXXX because they said it was returned by XXXXXXXX XXXX. Fifth Third bank told me to send them my bank statement showing the transaction was posted to my checking account. I did and Fifth Third bank sent a letter stating that my request couldnt be processed until I submit further information.
Consumer complaint received 2020-04-23
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. (TX)

A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with XXXX  and experian, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.
Consumer complaint received 2015-10-18
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: Neon Newco Corporation (NY)

I purchase a prepaid card from Netspend for XXXX while trying to activate the account I was not able to do so and the check cashing facility who sold me the card do not do refunds on prepaid cards. Upon contacting Netspend I was advised that prior to six years ago a purchase was made on a netspend account in which the charges was in error a provisional credit was given and I advised the representative the account was reconciled to a XXXX balance and I no longer used the card. Upon requesting my money back from Netspend I spoke with a supervisor I requested to the supervisor this was well over six year ago and I was never made aware of any balance due on this account nor was I notify of any past due amounts. I am requesting the return of the money on this separate account and for Net Spend to validate this debt by supplying me with copies of the receipts showing my signature. 
I would like to add this was during a time when I was making funeral arrangements for my mother! for Netspend to withhold my funds from a separate account six years later is of great concern : Also after speaking with the representative and requesting a supervisor I was placed on hold and transfer to another representative by the name of XXXX XXXX XXXX.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I was at signing a close loan and at time did not receive XXXX concern process including mortgage loan have received loan assignment number fix loan movement up as log with City as XXXX is it supposed to be movement just received in {$1400.00} 's Freedom mortgage documents missing from ca tx residency
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc. (MD)

This company I have never heard of or heard from is continuously reporting on my credit report that I owe something that they have yet to prove that I owe or that I have owned. Account number reported on credit report is something they do n't recognize.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank rearranged posted transactions in order to maximize the number of overdrafts they could charge me. On XX/XX/XXXX before XXXX my account showed 3 preauthorized payments of a phone bill, gas bill and credit card bill coming out of the available balance. The account at this point was still in the positive. After XXXX a mortgage payment that was not supposed to be auto paid until XX/XX/XXXX was taken out causing the account to over draft. the next day on the XXXX Citizens bank rearranged the order in which these transactions posted the day before so instead of getting 1 overdraft fee they received 3. XXXX  XXXX XXXX and XXXX XXXX just were in a class action suit over this. This should not be allowed for the bank to rearrange postings in order to maximize their profit margin.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2021, I reported to Citibank that I was scammed. I explained that I received a text from XXXX saying they were from the company XXXX and that they were refunding me for an item I returned which I purchased from XXXX. However, the amount of the refund was incorrect. I googled the number for XXXX XXXX customer service and got XXXX. I called and was told they would refund the correct amount instantly and did not have to wait 7-10 days because they were going to send it instantly to my bank. The representative had me install an app that allowed him to see my phone and guided me to set up a dummy account on XXXX. He said I would need to enter a code using XXXX and to send this code to this dummy account. The dummy account name was XXXX. The code was XXXX. Then I was asked to enter XXXX. It turns out I was sending funds to this account and that I was not speaking to XXXX. The text was encrypted in a way that when I XXXX  the 800 number for XXXX, I took me to theses scammers instead. When I realized I was scammed, I hung up and called Citibank. It took a while to get a representative on the line. I tried to get Citibank to cancel these transactions, but the representative said it had already moved out of my account. The scammer called me back from a XXXX number six times. I picked up once and told them I was calling my bank. He insisted that he was not taking my money and that he was on a recorded line and did not want to lose his job. Then he texted me telling me that the bank would not give me a dime because the transactions were still pending. Then he texted that I had only 5 minutes to get the refund. I am attaching a copy of these text. 

I filed a claim with Citibank, who gave me provisional credit for the transactions, but then they withdrew the funds back from my account stating that I authorized someone to conduct these transactions.
Consumer complaint received 2016-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MS)

Please review my student loan account because it is reporting inaccurate information. This account was open XX/XX/2011 and has not been ( 30, 60, 120 days ) late, but Fed Loan Servicing has increase my balance from {$96000.00} to {$110000.00} ... just within the last few years. Please investigate the accuracy of this account ASAP. Fair Credit Reporting Act 611 ( a ) [ 15 USC 168li ( a ) ], I 'm writing this letter regarding this alleged amount of {$110000.00} with the account ( # XXXX ). I recently received a copy of my credit report and wish to dispute the accuracy of some information contained in the report.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened a High Interest Savings Account with Citibank about two months ago. I was able to transfer all of my money from my personal checking account with XXXX. When I try to transfer money back out, the transfer is rejected. This has happened XXXX separate times and each time I have spent hours on the phone with Citibank. The tell me they unfreeze my account but it just happens again. I have not been able to transfer any money back into my checking account. I am a single mom and need to transfer that money to pay my bills. I am desperate and don't know what else to do. Thank you in advance for any help you can provide me with.