davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

This complaint is regarding Loan # XXXX with Chase BankAfter my husband 's passing on XXXX XXXX, XXXX I informed the bank in person of his death. The title is in my name as well as the deed to the home. 
The loan was in his name only. Due to my financial circumstances at the timeI was advised that it would be best to leave it as is for the time being and just continue making the monthly payments. There was no guarantee that I would qualify to assume the loan. This scared me. So I did my best to continue making the payments monthly. 

In the months of XXXX and XXXX XXXX I faltered with XXXX payments. Currently I have been 2 months behind since then. But have not missed XXXX payment since that time. 


I have made several attempts to Chase Bank to resolve this and get a snap shot of the loan. Because I am not on the loan they are not authorized to speak to me or give me any information. I advised them that XXXX had passed away. I was told to send a copy of the death certificate and a copy of my Grant Deed. They also requested an estate letter which I do not have. 
When I called back to fax it over I was rejected by the person that I had spoken to. And left in limbo again. 

When I had received a certified letter regarding my loan being in default no one would speak with me. 

On XXXX XXXX, XXXX I went in person to the bank to make my monthly payment. My money was refused and I was informed that it had gone to the foreclosure department. 
Upon presenting my power of attorney letter I was told that they would n't accept this either. Since the POA was dated from XXXX. There is no expiration on the document. 

I was told that I owe {$12000.00} in back pay for the last six months. But I have been paying every month. When I asked where my money was going, I was told that they did n't know. So even though all my payments have cleared for the last 6 months they are saying that I have n't paid. But I am still in the same predicament not being able to be informed about information on this loan. Since this time I have sent over to the Chase Corp. office documentation of the Grand Deed and the death certificate. 

I want to resolve this issue by agreeing to start a payment arrangement to pay off the existing late charges. Because they rejected my XXXX payment I am now three months behind and officially in default. I believe that this was totally unnecessary to deny this payment. They have taken all my payments for the last two and half years. Then suddenly they have decided to quit taking my money. It seems like they are intentionally trying to make me lose my home. I was only 2 months behind. Not 6. 
Please help me get this matter resolved. I am a responsible XXXX year old woman. At the time that I originally defaulted my finances were very tight and I was trying very hard to pay my bills. Since that time I have been working and have managed to make every house payment monthly.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (FL)

I wrote a check with a balance less than the check amount. This check was written to my landlord, who routinely does not process that check for weeks. I monitored the account at least twice per day, to see if that check had been presented for payment. I did have sufficient funds in a savings account from which I could have transferred money to cover the outstanding check. On XX/XX/2016, I made a deposit by check, in an amount that provided funds in excess of the amount of the outstanding check. On XX/XX/2016, I checked my account and discovered that PNC had charged me a {$36.00} insufficient funds fee, the check to my landlord had been paid and my account had a balance of over {$100.00}. PNC had processed the check before processing my deposit. That deposit was made inside a PNC branch and by a personal check made from my other checking account ( I had received a larger deposit in that account ). I believe that PNC processed the debit before the credit in order to generate the insufficient funds fee.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

On or about  XXXX  I ended closed my account  XXXX . At this time there was a balance due of under  (  {$500.00}. ) which I was told I would be billed for. I paid this bill on our about  XXXX   XXXX . Several month later the account was sent to  XXXX  collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in   XXXX  . I am prepared to file a harassment law suit for violation of FDCPA against  XXXX  and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in   XXXX   and I no longer have my documentation but ERC should because it was sent directly to them.   The  XXXX  other collection agencies ceased all efforts after having been supplied the information and it appears that  XXXX  just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.
Consumer complaint received 2017-05-30
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. (NY)

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was   financed   by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau Equifax,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CA)

U.S. Bank allowed an identity thief to obtain a bankcard and checking account in my name 2 1/2 weeks after the bank contacted me and was aware of a fraudulent credit card application attempt. The first credit card application was apparently denied but no further attempt at stopping the application process was in effect two weeks later. The thieves were able to obtain a debit card attached to a new checking account after I specifically advised the U.S. Bank fraud alert department not to allow credit because I did not apply for credit nor did I have any intention of applying for credit. I was told by the U.S. Bank representative that the fraud alert at the credit bureaus was effective in stopping the attempt. Apparently U.S. Bank allowed the credit to go through because the thieves deposited {$1000.00} in a new checking account. The new debit card was used for purchases which triggered an automatic fraud alert telephone call to my house on XXXX XXXX, 2015 so that is how I know it was being used fraudulently. I suspect mail fraud was also involved because the address on the application was not mine.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CA)

I had both a XXXX XXXX XXXX " Fidelity Investment Rewards '' Visa and an XXXX XXXX. When Fidelity migrated the card servicing to Elan XX/XX/2016, both cards were issued as a Visa. I called Elan to request the cards be merged so I did n't have XXXX identical cards. They assured me it 'd be no issue. Two weeks later they called and said they needed to know which account I wanted merged into which. I said I did n't care. They said it 'd be done in a couple days. 

Today I received an alert from my credit monitoring service that Elan did a hard credit inquiry on XXXX or more credit bureaus. I was absolutely shocked. Nobody even mentioned that would happen, and if they did I would have said absolutely not, do n't bother merging the accounts if that was a requirement. It 's illegal to run a hard inquiry without a customer 's consent, and that 's precisely what Elan has done. 

This letter serves as notice of dispute of the hard inquiry ( ies ). I demand that Elan contact all three credit bureaus and have the inquiry removed immediately. 

I am also sending this as a complaint to the Consumer Financial Protection Bureau because Elan 's actions violated my rights as a consumer. 

Please respond within the required 30 day timeframe confirming all credit inquiries posted without my authorization have been removed.
Consumer complaint received 2022-08-04
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)

On XX/XX/2022, I mailed you a letter disputing XXXX accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MA)

On XX/XX/2016 I accepted a trial modification payment plan ; the conditions were set in which I make all trial payments on time ; US Bank sent me a permanent modification agreement which I signed with a notary and returned to US Bank on time ; and that despite all that I found my home listed for online auction set for XX/XX/2016 by US bank on the website XXXX at this address XXXX
Consumer complaint received 2019-10-20
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: EQUIFAX, INC. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2016-12-01
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Ingo Money, Inc. (CA)

Ingo money has closed my account for no reason. When I asked, they replied I have violated terms and conditions. I questioned what part of their terms & conditions I allegedly violated. I received no response. 

I have never presented ingo money a check for processing that was returned, unpaid, or any other issue. All checks I have presented for cashing cleared perfectly. 

Ingo money is punishing me for no violations.
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK (NJ)

Once before I had called Discover to have them lower my interest rates and was told that they can lower the rate to 13 % and as a result, my account will be put in a suspension status for a year and so I took the offer. I have my account setup for automatic debit for the last few years so I have an excellent record of paying my bill on time with them. A year passed and they removed the suspension and the 19 % apr returned. I once again took advantage of this offer again last year, it will expire in about a 2 weeks so I called Discover and asked them if I can be dropped early without any penalties, because I needed to use my card to make a large purchase. I was told that it should n't be a problem and I should be able to use my card. I tried to use my card but it kept getting declined so I called Discover to find out why it was being declined and was told that it is still suspended. I was also told that it will remain suspended until it is goes for review. I thought that once the offer expired my account will return to the way it was previously. Now I was n't told about this but of course they send everything in writing. I guess I am a little upset that these credit card companies have so much power and control to withhold credit just because I tried to get them to lower the large apr on my account. Not only that, they have easy access to my credit reports which I am starting to be suspicious of now. I would like to know if that is allowed and what can I do to remove my information from Credit Reporting Agencies completely.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my account. Sending them letters last time I have not received any response up to this date. On the other hand, inaccuracies about my account are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned account that is still reporting on my reports : XXXX XXXX-XXXX-Balance {$0.00}
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (WY)

A t  XX/XX/XXXX , I  traveled with my friend from  XXXX  to  XXXX . My friend  is at North Dakota, I picked  him up  at North Dakota, then  we went to  XXXX . My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The seco nd day I rece ived alert information form   XXXX   and DISCOVER, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from  Discover, that showed me they will close my account, give me 2 reasons. But those reasons are not mine, every time, I paid my bill on time, and whole bill not partly bill. I never get this   situation.Still now I have  XXXX  benefits for my  Discover, they did not return that to me.I think that is very unfair to me to close my account by Discover. Please, check it. I promise every words are truth.I have case number by police office.
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: U.S. BANCORP (OH)

Lost my job in which I was able to afford to pay back my student loans and now I am currently under employed part-time. I completed a deferment application and was denied the possibility to re-pay my student loans at a later date in time. I need your help in it getting the bank to work with me until I can find a employment that will enable me to make the proper payments.
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CO)

USBank provided an email claiming " Earn 20 % MORE REWARD POINTS on purchases made with your XXXX REWARDS XXXX Card through XXXX XXXX! '' However, very few people will receive any extra points. Fine print states you first have to spend {$2700.00}. Then XXXX reward points are earned per dollar only on " additional net purchases ''. That 's like advertising 20 % off the last {$10.00} you spend on a {$100.00} shirt, which is really only 2 % off. Most people will use the card more thinking they will get 20 % more rewards when in reality they will get no more reward on the XXXX {$2700.00} they spend.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-21
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. (MI)

I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX  balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with XXXX/XXXX, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IN)

After purchasing my home, for over two years I was with my original mortgage company, and was not late one time in payments due to being able to use automated payments with online banking. In the XX/XX/2016, I received notice my mortgage was purchased by LoanCare LLC. When the time was right, I changed the payment address through online banking and paid XXXX payment. Seeing that this went through just fine, I had not seen there was an issue, and when XXXX payment came due, it was paid via online banking automatically. This payment was made XXXX/XXXX/16. It was n't until the first week of XXXX, well past the due date, that I became aware the XXXX payment was not accepted. Rather than notifying me of this, they returned the payment to my bank account XXXX/XXXX/16, and stated I was late for XXXX. I was given no reason, and had to reach out to them to find out. In order to be sure the payment was made, I used LoanCare 's online payment to pay XXXX. I received notice that my account number had changed which is why it was not accepted. Oddly, it was accepted for XXXX payment but not XXXX with no fair warning as to why, and no help notifying me to be sure to change my account number if paying by check. That being said, I changed the account number with my banks online payment in time to make XXXX payment. But, unfortunately, the problem happened again. And even though I had been watching closely, I had assumed it was accepted since the money withdrew from my bank 's account. Sadly, not the case again. This time my payment was not returned to my bank account until XXXX/XXXX/16 well after the XXXX deadline. I sent an email right away to find out what happened, and to this day ( over 1 month later ) I have not received a return message and still do not know why XXXX payment was not accepted. Rather than use my online banking, I 've decided to use LoanCare 's website to make the payments since I know this will work. But, the real reason I am writing this complaint is that I received notice that my credit is now over XXXX points worse ( from Excellent to Good credit ) because of these supposed late payments. Again, I had excellent credit for a reason. My only fault was thinking I could make payments with my online banking, and have found out this was not the case. I tried to dispute the this via XXXX but, today learned it was updated but still showing XXXX payment as late. Thank you for your time.
Consumer complaint received 2015-07-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NM)

In XXXX 2014 I became a XXXX American veteran, which granted me a tax exempt status for paying escrow taxes on my mortgage. My mortgage company is LoanCare. I have repeatedly sent them letters ( XXXX to date ) to contact my local tax assessor office and to cease paying tax escrow. To date they have refused to respond, nor have they stopped taxing me. Thus far I have paid hundreds of dollars into tax escrow that I am legally exempt from.