davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

We recently paid off our mortgage. We received a letter from our servicer, Seterus, saying our final payment exceeded what was due and that we were entitled to a refund of {$530.00}. We also had money held by Seterus in escrow for taxes, although we never received a breakdown on those figures. We later received a check unaccompanied by any explanation of whether the check consists of the escrow and the overpayment or just the escrow. We have called and have been told that the payment includes the escrow and the overpayment, but have not been given any breakdown that explains how much was in escrow and how much was returned as an overpayment. We have asked for such a breakdown and been told we will not get one unless we write Seterus. In short, we can not ask for the breakdown explaining how the refund was calculated without a written letter.,
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

I've called Chase credit card services several times since last year XXXX since the change was unexpectedly made to my account but they will not deduct any fees that have accumulated since then & now am in Jeopardy of getting my card closed out which will be devasting since I was doing so well even with job loss to pay my payments
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

To whom it may concern i having a major issue with The reporting Agency Experian with violating my rights when it comes to following the fair credit act. i requested my credit report i received it i saw things that was n't correct so disputed them in a dispute letter online and through the mail. I request them to provide all original applications in my credit file verifying all claims of debts with my wet ink signature no copies thats not verifying according to the fair credit act section 609. they havent provided me with any documents they have completed my dispute all they remove was XXXX credit cards and updated all the other unauthorized accounts.
Consumer complaint received 2016-04-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

My mortgage was a part of the perpiortery lending violations in XXXX with Chase Bank. In XXXX The federal Trade Commission performed a forensic audit on my loan and found several truth and lending violations. Chase in turn took XXXX and put it in a balloon payment on the end of my loan, reduced my interest rate to 5 % fixed. 

Now, in XXXX I was unable to make XXXX payment, but have been paying every month lagging behind the XXXX payment. Chase refused to assist me with the XXXX payment. Chase sourced the servicing of my loan out to XXXX XXXX XXXX XXXX XXXX. 

I have been trying to modify my loan with them since XXXX XXXX. I have sent tones of paperwork in to them at their request. Each month, they come back with a different person asking for the same paperwork in a different format. I send all the paperwork electronically through their email XXXXXXXXXXXX. I am on a fixed income, unable to makeup the missed payment. XXXX continue to send threatening foreclosure letters to me via certified mail, but they are also accepting my payments every month. These practices are causing me health issues. I had a XXXX two weeks ago. I do not know what else to do. I can not sell or lease my house because the loan in XXXX was more than the appraised value of the house. The lender appraised my house for {$390.00} in XXXX, and it was only worth about {$190.00}. I now have a loan more than my house is worth. The collectors at XXXX are rude and nasty with the exception of XXXX XXXX. He understand my issue and can not explain why they keep asking me for the same paperwork over and over. I do not feel that XXXX is following the rules of the Making Homes Affordable Act. When I asked to speak to a supervisor, she simply told me she could not help me and maybe I ca n't afford the house, to get out before it 's to late to sale it. I told her I invested my life saving in this house and that I was only XXXX payment behind. She said too bad and hung up the phone. All of the documents I attached was sent to XXXX from XXXX to today.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

Was not told when consolidating loan balances with Navient that payment based repayment plan years would start over to the beginning of the 25 years of payments and would not be given credit for the 4 years that I have made payments. I consulted with Navient before proceeding with the consolidation.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I sent out certified letters XXXX XXXX, XXXX to each of these companies below to verify that it was in fact me who made these inquiries with verified proof. They neglected to respond and now you are at fault on reporting this unverifiable information. You are required by a Federal law to remove them from my credit report. 
Name of Company Date of Inquiry Type of Business XXXX XXXX XXXX. XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX. XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX BANK. XXXX/XXXX/XXXX XXXX And XXXX XXXX. XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX The failure on their behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX XXXX, FL Courthouse in order to defend yourself.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have XXXX percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX which is showing incorrect data, XXXX XXXX, and a Bankruptcy as negative items or derogatory items on my credit report. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX account does not belong to me and they have deleted it from my credit report. Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item.. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit.
Consumer complaint received 2016-11-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. (FL)

XXXX Money Lost for ever XX/XX/2016, an international wire transfer for {$6000.00} was sent to a citibank XXXX, with an outgoing confirmation number : XXXX, after more than 16 Business days and the money never arrived I called the bank on XX/XX/XXXX and I did a recall of the money, and I asked them to trace the money, it has been more than 2 Months now, and I called almost every single day including the branch manager called XXXX ' at this number XXXX, and all they said is that they do n't know where is my money and that posible the money is lost for ever. and I will never get it back.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

They told me they would take it off my credit report which I did n't see it but the other day it 's reporting again and it says it 's been a debt since XX/XX/2016. Which it had been paid off and the debt is paid but it 's showing on my credit file and they are still reporting equifax and it 's hurting my credit score
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IN)

On XXXX XXXX, 2014 i ordered a copy of my credit report from Experian and noticed a negative trade line being reported. i further investigated the problem and came to the realization that this negative tradeline was NOT MINE, it actually belonged to another family member but it was being reported on my credit report. Within the same month i applied for a credit card and was denied the line of credit due to this negative tradeline. This is proven because the credit card company sent me an explination on why I was denied. I disputed the error on my credit report with Experian on XXXX XXXX 2014 asking for the investigation procedure. On XXXX XXXX, 2014 Experian sent me another credit report without deleting the error leading me to believe they never fully investigated the error in the first place nor did they send me any info on the investigation procedure. I sent a second dispute letter to Experian on XXXX XXXX, 2014 asking them to remove this negative tradeline as soon as possible because it is denying me a line of credit. On XXXX XXXX, 2014 Experian replied to my dispute by sending another credit report WITHOUT deleting the negative tradeline again. On XXXX XXXX, 2014, i was sent a XXXX credit report stating the tradeline was removed. This led me to wonder who furnished Experian this information. Experian never sent me the investigation procedures. Ive called Experian multiple times asking how and why this was reported on my credit report and to explain the investigation procedure to me but all I got from their employees was nothing but a runaround and invalid answers. The employees refused to give me valid answers or lead me in the right direction for correct information.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MO)

I paid an account off to the collection agency, XXXX XXXX XXXX ( for the XXXX account ) in XXXX, 2015. After 30 days I had n't gotten a " paid in full letter '' from them so I contacted them. They sent me the letter but, to this date, the judgement still appears on my credit report, as well as the amount showing as still owed and not paid. I will write a letter to XXXX and Equifax about this matter but would appreciate any help expediting this process. 

Thank you ... XXXX XXXX XXXX
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I contacted XXXX XXXX XXXX XXXX and they agreed to have both account removed from my Experian Credit Report. I fax the XXXX page letters to Experian onXX/XX/2016 at XXXX. I reached out to one of the Representatives from Experian and she assured me that this will be taken care of within 3 business days. I checked my Experian report today and these accounts are still remain on the report.
Consumer complaint received 2017-05-23
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)

Myself a s well as a paid firm (  XXXX   XXXX  ) has repeatedly disputed  XXXX  negative item that only Equifax refuse to delete. On   XX/XX/XXXX ,  I spoke with a Equifax dispute  rep.  Who advised that she would dispute the erroneous account for   XXXX   XXXX   XXXX    formerly known as   XXXX   XXXX   XXXX    XXXX   XXXX  ( Account #  XXXX  ) ( Dispute reference #  XXXX  ).     After calling in on   XX/XX/XXXX     to verify that the dispute process had started I was advised that the creditor verified that the information they provided is accurate. At that time I again explained that the account was erroneous as the monthly payment, the past due amount and the status 120 days was all frivolous and I need written proof verifying how they proved that this information was in fact correct. At that time another investigation was started and I was provided with dispute reference #  XXXX .     I again wait ed 24 hours and c alled back into Equifax to verify that the process had in fact started as was advised they had already disputed the account and that the creditor had verified the informati on. Might  I add, during thi s 2nd request  I provided my original contract showing my payments as well as additional information. It was know way possible this could be verified as accurate.     After major frustration and countless hours of trying to get the issue resolved myself, I broke down and paid  XXXX   XXXX  over a {$100.00} to intervene. I provided  XXXX  Law with my original contract and Bankruptcy documents dated back in   XX/XX/XXXX   showing that the loan was part of a BK and that the creditor is reporting every month for the past year that I was 120 days late and that my payment is {$200.00}. All of this information is erroneous.     On   XX/XX/XXXX ,  Equifax came back once again advising  XXXX   XXXX  that the account was valid and they are reporting the account accurate. After my providing proof and requesting proof from Equifax as to how   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  verified the account I was told that my claims where frivolous and I did not receive any information from Equifax verifying the process used to validate this account.     Furthermore, Equifax refused to dispute and remove the fraudulent inquiries dated after providing information from the FTC as well as a police report.       XXXX   -  XXXX   XXXX   XXXX   XXXX    XXXX   -  XXXX   XXXX   XX/XX/XXXX    -  XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    -  XXXX   XX/XX/XXXX    -   XXXX   Please assist me with this issue as I can not offered to keep paying attorneys for something that has been proved numerous times.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (FL)

I have had a lowes account since XXXX. I have paid the same date, through my bank since that time. I was charged a late fee on XXXX/XXXX/16 for XXXX, despite having paid well over the minimum requested payment, as I always do. Again, payments are automatically posted on the XXXX ( depending on business day of that month ). 

XXXX in Lowes customer service ( XXXX ) was completely unhelpful or apologetic ; told me I am paying too early and I should be changing my payment to " the XXXX '' to avoid the issue. Again, in 1 years time, this is the first time they have charged me a late fee ... ..
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (MA)

I have a Walmart Mastercard. My payment date is the XXXX of the month. XXXX I paid on the XXXX online before XXXX. Walmart immediately recorded the transaction in pending activity for the XXXX making my payment late even though the XXXX was confirmed on my payment page. I noted and corrected it in pending activity. It took me two times to stop the default. 
XXXX I paid my balance in full on XXXX/XXXX/17 specifically using the XXXX/XXXX/17 date. The payment did not post in my checking account on XXXX/XXXX/17 so I checked my Walmart MasterCard Account because of the last month 's issue. This payment had automatically defaulted to XXXX/XXXX/17 in pending activity even though the XXXX/XXXX/17 date was confirmed by the site. I had to again go to pending activity and physically change the date now back to XXXX/XXXX/17 a day later than my original payment. 
Walmart is ripping consumers off through interest fraud. Payment dates are confirmed on the payment page. However on the payment pending page the payment defaults to the consumer 's due date. Payments made on the due date are applied a day later in pending activity so a late fee can be applied. Walmart is intentionally changing payment dates to benefit themselves. Buyer Beware! Take Notice!
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (SC)

On XXXX XXXX 2017 at XXXX I received a call on my cell phone from XXXX but was not able to answer the call. Later that day, at XXXX, the number called again. This time I answered the phone with my name and the caller asked for XXXX XXXX. I responded that they had dialed the wrong number. They asked if I knew XXXX XXXX and I responded that I did know her ( she is my sister ). The caller said he was from CBE ( or something like that ) and had an important business matter to discuss with XXXX XXXX and he asked me to give him her number. I refused since I have no idea who this person is. After this phone call, I received several other phone calls from these numbers. I received a call from XXXX at XXXX on Saturday, XXXX XXXX 2017 and did not answer it. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX, 2017. I was able to answer the call. When I answered, the woman asked for XXXX XXXX. I told her This is not XXXX XXXX phone. Please do not call me again. I have already reported your company to the Federal Trade Commission
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Citibank arbitrarily, without notice or more importantly without justification closed my Double Cash account in EXCELLENT standing on XX/XX/2016, simply b/c I disputed a {$32.00} charge for which I submitted detailed information to support the minor dispute. Citi advised me in writing that as a result of its investigation, my dispute was meritorious and it credited my account for {$32.00}. Then it was summarily closed without notice or justification. 

Besides being a loyal Citigold banking customer, I had had this acct for more than a year with 0 % APR on purchases. During this time, the following happened : 1 ) Citi increased my credit limit without my even having to request it. 
2 ) I made more than {$40000.00} in payments in advance of any of it being due b/c of the 0 % APR. 

I called Citi to inquire why my acct was suddenly closed which I learned when I was trying to catch an XXXX home for {$5.00}. The reps were apologetic and after reviewing my acct, could n't explain why except to say that there was a " security risk. '' So I did n't understand why I was n't contacted if Citi noticed suspicious activity. Instead, I was advised to write to Citi 's Office of the President. I have since written twice to Citi, first on XX/XX/2016, and again on XX/XX/2016, when I received no response from Citi. 

It 's impossible and unreasonable to think that after my making over {$40000.00} in advance payments on an acct with 0 % APR that Citi independently deemed as being in excellent standing and increased the credit limit to {$7500.00}, that my disputing a {$32.00} erroneous charge for which Citi issued a permanent credit in my favor would constitute anything but a " security risk. '' Citi 's actions were unwarranted and remain unjustified and have adversely impacted my credit history. I have followed Citi 's instructions to write to its Office of the President ( when electronic communication is the most efficient and expedient way to communicate ) but have received no response. Twice. Citi 's silence can only be imputed as its admission of negligence and its failure to correct its patent error in closing my acct and deeming it/me a " security risk '' without justification or explanation.