davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AL)

I took a loan out with XXXX XXXX back in XX/XX/XXXX.for XXXX on my house. After XXXX XXXX  was found Guilty in Federal Court of selling bad mortgages. They sold my mortgage to Chase Bank. When my mortgage was sold to Chase Bank I only owed XXXX on it. Since Chase bank took on my mortgage in XXXX. I have had problems with them. I paid my mortgage picture perfect for 8 years. Then in XXXX I lost my job and experienced a setback. So I ask for a mortgage modification of the XXXX balanced that I owed. Well Chase said they would give me a modification on the amt Amt  I owed. Now Im getting ready to sell my house and they tell me I owe them XXXX. To my surprise I ask them how did my mortgage go from XXXX to XXXX! Them told me because I did the modification back in XXXX! I told them I was not told that Chase would Add Another XXXX dollars to my mortgage! That was NEVER DISCUSSED with me! Chase has Added this additional Amt to my mortgage therefore when I tried to SELL my house I Could NOT CLOSE! Because they have My mortgage Balance at XXXX. I have had 2 different buyers for my house to avoid foreclosure from CHASE BANK! And I can not close on my house because of their INCORRECT AMT on my TITLE. PLEASE HELP ME!
Consumer complaint received 2018-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I was on a XXXX  repayment plan through Navient. In the past few years I have been able to finally make solid monthly payments. However, I kept seeing late fees on all my payments. I called and they told me that my XXXX repayment option was over and I now have to pay {$430.00} a month. I can not afford that! Where did that arbitrary number come from? The Navient agent could not help me and I could not understand her anyway. I completed my FSA Id process and took a look at my account and it states that I owe {$130000.00}! I almost threw up. I owe {$69000.00}! What is going on? This is so misleading and now I understand that the CFPB is being gutted by our government in favor of loan servicers like Navient. Nothing about this seems right and I feel like I am being scammed. I would rather default on the loans so I can retain a lawyer and protect myself. Is this what its come to now? I need help desperately. I never had these issues when XXXX XXXX was servicing my loan. Can someone please contact me?
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2020 I wrote Barclays Bank a letter attempting to settle a debt. I received a letter dated XX/XX/2020 requesting I call the company. I made several calls, and finally was able to get in touch with a manager that stated she could assist me with this matter. We spoke and agreed on an amount. I was told to mail the check to the billing department. I was also told the this would be considered fulfilled once the check was received, process, and cashed. On XX/XX/2020, I sent the payment agreed upon, with a letter stating the conversation ( attached ). This letter clearly states the terms for which this was to be considered paid in full and removed, once the check was cashed. I consulted with and attorney that stated, if they did not agree they should not have cashed the check and returned it. I reached out to the credit reporting agencies to have the debt removed as promised, only to have Barclays reject the agreement after receiving payment. I have attempted to contact Barclays again and was told " someone will call you back '', however no one has. This is not right.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (DC)

In XX/XX/2020, I opened a new Barclay AAdvantage Aviator Business Card In XXXX 2020, I setup my Auto Pay for the credit card ( to pay balance in full each month from my Credit Union Checking account ). When setting up the payment, I ( user error ) incorrectly selected Savings instead of checking. So my first payment on the card was NSFd, and I had to setup a manual payment. 

I called Barclays after the incident to ensure that I appropriately updated my auto pay method to select CHECKING account type instead of savings. This was confirmed in the Barlcays autopay system online ( https : //aviatorbusinesscard.com/ ) and by an agent over the phone. 

In XX/XX/2020, my next autopay was triggered, presumably for the updated payment information, but Barclay 's system REVERTED to a SAVINGS account, not my checking account. This cause my savings account to be charged without my authorization. This resulted in three fees I am disputing, totalling {$84.00} : One fee from Barclays on XX/XX/2020 - " Return Payment Fee '' - {$39.00} One fee from my credit union on XX/XX/2020 - " NSF fee '' - {$35.00} One fee from my credit union on XX/XX/2020 - " Negative Bal. '' - {$20.00} I have contacted Barclays approx 10 times regarding this Barclays system issue. The investigation was completed after 6 weeks, found not in my favor, inexplicably. 

Even more concerning is Barclays lack of responsibility regarding this system issue. Even during my most recent contact with them on XX/XX/2020 ( screenshot attached ), their system AGAIN reverted my autopay to SAVINGS instead of CHECKING. The agent refused to acknowledge my issue as " Bank Error ''
Consumer complaint received 2020-07-03
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. (TX)

XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$590.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$590.00} Times 30/60/90 Days Late 3/4/4 Remarks Charged off account Account previously in dispute - Now resolved by data furnisher XXXX XXXX XXXX   XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$200.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 4/1/12 Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnishe Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2600.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$22.00} XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$4100.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Creditor Name XXXX XXXX  XXXX XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$43.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$170.00} Remarks -- XXXX XXXX XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$2200.00} High Balance {$2200.00} Remarks Consumer disputes this account information Collection account all ftc violations that were filed 45 days ago
Consumer complaint received 2020-07-03
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: LEXISNEXIS (GA)

LexisNexis received my certified letter XX/XX/20 requesting a Method of Verification regarding their claim that a Chapter 7 with filing number XXXX is verified as correct. They have 15 days to send the documentation. They are outside of the time frame to send the requested documentation. They are out of compliance. I am exercising my rights under FCRA 611 ( a ) ( 7 ).
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal - negative {$6700.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6700.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6700.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2021-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

I was NEVER notified that there was a debt owed from the original creditor or the collection company. It is a {$62.00} from XXXX XXXX. They placed this collection on my credit report without trying to contact me first.
Consumer complaint received 2020-07-03
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. (NC)

I received a bill from XXXX XXXX XXXX Bank that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XXXX  in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I  called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.
Consumer complaint received 2021-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

Since the merger of BBVA with PNC starting on roughly XX/XX/2021 I haven't been able to access any of my four banking accounts with either BBVAs online access or PNCs online access. I am unable to know what is in the accounts, conduct banking transactions and pay bills. Ive also been accessed a non-sufficient fee once already due to not being able to see the amount of funds in the accounts. PNC keeps telling me my accounts are being transferred and I have to wait. In order to get any info about my accounts I have to spend hours at a local branch to conduct banking transactions and this is getting ridiculous. I cant manage my accounts and transfer money between accounts to pay bills as all my bills are set up on auto pay. At this point I just want to be able to transfer my money out of PNC Bank. I have no documents as I have no access to anything.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I recieved a letter stating that i owe this debt i called .the people at the agency kept transferring to different departments when i did get a whole of someone im telling them i paid this .they were rude saying i need to pay i told them i have proof. The lady said with a attitude well its not my debt. After i tried and tried to reach out no answer. Im very upset because i settle this through a settlement with Citi bank
Consumer complaint received 2018-06-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I have a loan with WELLS FARGO DEALER SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and WELLS FARGO DEALER SVC with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-11-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

On XX/XX/2018 I received a check in the mail along with a letter from PNC Mortgage in relation to my escrow account. The letter indicated, During a recent review we discovered while your loan was in bankruptcy, we did not complete a timely escrow analysis. This resulted in escrow shortage. The amount it closed is equal to a portion of the escrow shortage that you incurred. We apologize for any inconvenience. 

To this letter, I responded and requested a full review of my account dating back to my initial bankruptcy to ensure that a timely escrow analysis was conducted. Depending on the findings I requested, necessary adjustments, credit of interest and fees or a comparable amount of whatever is needed for corrections. It was my belief that, if they failed to do the timing escrow analysis currently, this may have also been done in the past. To this day I have not received a response from the company.
Consumer complaint received 2020-08-22
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-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 2020-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

Companies involved, pnc bank, XXXX XXXX.. I try to get back into my XXXX account and when I could not, I made a new account with the same email and phone number. Once I was getting ready to link my PNC account back to my new XXXX account.. it said we were no longer able to Link PNC accounts with a XXXX account. How do we fix this problem. My email addrsss is XXXX XXXX
Consumer complaint received 2018-02-27
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. (MD)

The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.
Consumer complaint received 2022-08-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

In XX/XX/2022, myself and my wife file for a construction loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX over six months which we didnt talk to the underwriter or any other loan officer when we request it to speak to someone else. we had a hard time contacting XXXX XXXX. Matter of fact during the whole six months we had a hard time contacting him and his so-called loan team could not be reached, and I took at least two weeks every time that we requested something to contact him. The bottom line XXXX XXXX denied us because he said that we didnt have enough capital. XXXX XXXX didnt look into another construction loan like Single Family Home from USDA XXXX We believe he didnt try to get us alone also we dont know who is XXXX or incompetent.
Consumer complaint received 2020-07-03
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: U.S. BANCORP (NY)

This account has fraudulent charges/balances that were not incurred by me. 
This card was PAID OFF In full in 2014, and I requested closure of this card. However, it appears that the card was never closed, and there is a FRAUDULENT BALANCE OF {$8700.00} reporting on my credit, which is NOT MINE. I didn't charge {$8700.00} on this card, and didn't know that this balance existed, as it DOESNT BELONG TO ME. I've repeatedly contacted the US BANK and informed them that these charges are not mine and this account shouldn't be on my credit in charge off status. They insist that they will do an investigation, and yet NOTHING HAPPENS, and this account continues to ERRONEOUSLY REPORT ON MY CREDIT.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (KY)

XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports.

Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (MO)

I have contacted this company multiple times, and sent in my ID Theft Affidavits as requested, but they still refuse to investigate and remove this item from my credit report. This is disgraceful as it has been on my report for a few years now even though I never ordered anything from them. I have a notation on my credit report from 2017 showing that I was a victim of ID theft and this needs to be removed ASAP