davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

After waiting for over a month, I received a response from US Bank regarding my complaint with you. Once again, they neglected to provide any answers. I 'm attaching the response letter with this complaint. As you can see the response letter is pretty generic where there telling you and what income they used as well as the expenses they used to do their calculations. I had asked for NPV data they used to review my loan for modification. As per treasury guideline, they are obligated to provide me the NPV data used for review. 

U.S. Bank has been giving runaround and putting me further and further behind for over one year. They have not honestly reviewed my loan for modification. As it looks like, they have no intention for reviewing my loan for modification. I am at a huge risk of losing my home due to their negligence in solving this problem. Please help me. 

I am asking U.S. Bank to provide me with the complete NPV data they used for their latest review. Failing to provide a non-technical explanation is a violation of treasury guidelines. 

Once again, they are asking me to appeal the decision by XX/XX/2017. However, they are not providing any information to appeal with. How am I able to file an appeal when there is no information provided?
Consumer complaint received 2017-04-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

After moving into my new apartment, I received a coupon packet from the USPS that included a promotion with Chase bank. The promotion stated that if I opened a checking account with direct deposit, I would receive {$300.00} within 10 days of satisfying the direct deposit requirement ( the requirement was {$500.00} each month ; more than double that has been directly deposited by my employer each month ). I opened my account in XX/XX/XXXX ; it has been almost XXXX months, and I have not received the promotional credit. I have emailed the bank customer service representatives, but they said that without re-submitting the coupon they could n't do anything. But, upon opening my account the woman took the coupon, so it 's impossible for me to still have that coupon. I would not have opened an account with Chase had it not been for this incentive ; I would have gone to another bank that would have actually honored their promotions. I am extremely frustrated at this bait and switch, and will close my account with Chase if they do not honor the promotion that brought me to their branch in the first place.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

I have had issues with the Chase bank in the past and nothing has been done about it. They now say they can not see the same transactions that I can when I am at my online portal. Just yesterday I made some transactions and has a positive balance of XXXX remaining. Today there were XXXX negative transactions on my account equaling over XXXX. I am not rich and I am honest. The accounting practices at the Chase bank in XXXX are quite questionable. I have been double debited for transactions ... .I have made this complaint within the past 6 mos as I have lost much hard earned money that belonged to no one but me. I am a tax payer and a citizen of this country. I am becoming very frustrated that when seeking assistance with the transactions against my account I am told by the customer service agent at time they can not see what I see .... in the past I submitted a complaint against Chase and all they did was send me their " Forward Facing Documents '' I assure this is not what is exactly going on. I am again out of money they say I owe them ... but I beg to differ their document they sent is forward facing as its what they want the public to think as they are legal in their transactions but I assure you they are NOT! why the customer and their ways, method, excuses and transactions are quite different and certainly not acceptable is what I want to reveal and I certainly want all of my mistakenly overdraft fees, my double debited transaction placed back into my account I have been a customer for past three years and I most certainly want to close out this account as its is bleeding me dry and I am having financial hardships due to this and no one seems to be able to decipher this at all I want assistance and to compensated for my time and financial hardship that this is causing I am nonetheless being forced to close my accounts with this bank and it is quite frustrating.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

Original Creditor Name IC SYSTEMS is incorrect as I have never signed an application with any company named IC Systems, There was an account I paid off that was a XXXX account it was posted on the XXXX account as XXXX and then as XXXX/XXXX/XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to XXXX Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (DE)

I want to file a complaint against XXXX now known as Navient for systematically and illegally failing in accommodating to help with repayments of my loan back so many years I was in financial hardship due to being a single mom with XXXX kids. My student loans when I graduated back in XXXX was around {$30000.00} and now has reached almost {$50000.00} because for many years I was told I would need to file for forbearance even thought I submitted documents that I was going through financial hardships. I was never offered a better alternative to pay off my school loans. As a single mother of XXXX, soon to be XXXX and as a military member I should not have to be responsible for {$20000.00} of incurred interest because I was misinformed and taken advantage of paying for a higher school loan. Especially when I tried requesting for help to reduce the payments or other options what would not lead to increasing my loan to what it is now.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( DSHS-DCS ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( DSHS-SCS ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( DSHS-SCS ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the US BKPT CT WA XXXX # XXXX, XXXX account # XXXX, the XXXX Account # XXXX, and the XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these XXXX accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the XXXX ( DSHS-SCS ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from DSHS-SCS ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (OK)

I RECENTLY DISPUTED CONSUMER ADJUSTMENT CO EARLIER THIS YEAR ABOUT A COLLECTION THAT THEY CLAIM THAT I DID OWE. IN RESULT OF THE DISPUTE THEY COULD NOT PROVIDE ME WITH VALID INFORMATION CLAIMING THAT I OWE THEM THE DEBT. 
CONSUMER ADJUSTMENT CO XXXX {$620.00} I WOULD LIKE THIS COMPANY TO PROVIDE ME A COPY WITH MY SIGNATURE OF THE ORIGINAL DEBT AND THE RIGHT AMOUNT.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (OH)

Since XX/XX/2016 ( almost 6 months ) I have been submitting disputes with Experian regarding XXXX on my credit report. 
Experian keeps sending me letters that they are investigating and reinvestigating these disputes. 
The company ( XXXX ) has failed to provide a verification of debt, failed to provide a Statement of Debt charge off statement. Yet Experian does nothing except keep " investigating the investigation ''. 
In the meantime I am humiliated by credit denials.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

This is a second complaint filed against Ditech Mortgage over the past 12 months for the same matter that is as yet unresolved. Despite repeated attempts to get a payoff amount from Ditech - and now that the loan is paid in full a reconveyance on the property - Ditech is unresponsive to all requests for loan payment records and the trust deed remains on the property improperly. Intervention to force Ditech to cooperate and comply with the terms of the loan agreement is necessary. A full release and reconveyance of the property is also required at this time now that the loan is paid in full.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Equifax has not followed the guidelines of the federal law to verify if the said named items are accurate. Equifax has not shown or provided me proof the the information is valid on my report. Equifax has shown this account as late. this account has no lates on for this account. I have sent 3 certified return receipt letters and Equifax did not provide me proof of verification. Under Federal law 609. the items must be corrected in 30 days if the credit bureau can not prove proof of verification. please correct lates XXXX XXXX XXXX
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (GA)

There has been an ongoing final bill discrepancy with XXXX and a collection bureau has placed this debt on my credit report. I do not owe because I was billed incorrectly. I had renewed my contract via telephone but XXXX continued to charge me a variable rate resulting in extremely high bills. I made numerous phone calls to XXXX without any resolution
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I just hung up the phone again with experian credit reporting agency as there is numerous errors on my credit report. The customer service rep was not helpful and would not re-dispute previous information for me. My first complaint is XXXX account which I had submitted a letter directly from the bank stating that this account was never paid late. It is showing a late payment in XX/XX/XXXX. ( which is incorrect ). I submitted the letter to experian and it was corrected however yesterday XX/XX/XXXX I received an updated copy of my credit report and this account is listed with a late payment again so they re-inserted this wrong information. I asked the customer service rep to please re-dispute this for me and he told me I need to contact XXXX myself because it has been previously disputed. I contacted XXXX and was told I need to put my request in writing to have another letter for proof that this account was never paid late. I had this letter in my messages with XXXX shops but after 180 days the letters are automatically deleted. I am furious at the fact that this account is reporting as potentially negative and should go to a positive status in XX/XX/XXXX. This account was never paid late and it has been proven. Experian should have never re-inserted this wrong information again. My other complaint about experian is I wanted to request and account XXXX that is reporting as a charge off. I finally had it removed from XXXX as that too has been confirmed that this account was paid in full 2 years ago. Experian would not re-dispute it for me. My credit is extremely important to me and having an agent not assist me in my request is wrong.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MI)

Our home equity loan became due, it was an interest only loan, 10 year term. Over the 10 years, we never have been late or missed a payment. Our goal was to modify this loan into a principal plus interest loan and pay it off over 20 years. We also would like a fair rate of interest. Our bank is asking for full payment, have mentioned foreclosure and in our eyes are being somewhat difficult to complete this process. We own a business and show income via or tax returns, they 're asking for a P & L from a CPA, at an additional expense of {$250.00} + to apply for this modification. Our goal has always been to keep our home and reapply for another loan.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (AL)

I attempted to cancel my credit card account with CitiBank. After spending XXXX minutes on the phone with the company, and confirmation from the company that my account is cancelled, I received a email that they have opened up a new account in my name. I did not authorize this. I believe that my account is cancelled now that I called them back. However I wish to ensure this.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Hello, Experian is reporting the following information in error I believe and would like it corrected : 1. XXXX, {$240.00}. 
This item was paid directly to the hospital and was to be removed as an error per XXXX in Hospital Billing. 

2. Account XXXX - {$780.00} XXXX that account as to reflect {$0.00} status as agreed. Item still being provided via my consumer report in error. 

3. XXXX Account is current and paid as agreed. 

4. XXXX Account is current and paid as agreed.
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc. (OH)

I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Items from Choice Recovery are on my report in duplicate.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AL)

I spoke with a Navient representative about paying back my student loans I told him that I was willing to make payments but the amount that I was told to pay back was way too high. I have XXXX children that I have to provide for. He then insisted that I had enough money to pay my loans back. After I told him repeatedly that I could not make the high payments he then told me that he was going to garnish my wages and get lawyers involved. I am willing to pay back my loans but I still have to take care of my family.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Trailing interest or residual interest on clearly stated on terms and conditions. 
Capital One is taking advantage of me by posting erroneous finance charges to my account. I had a balance on my credit card that I paid in full. 
This was applied to my account on XX/XX/2020. I was then charged two different finance charges on XX/XX/2020, one for a cash advance ( which I have never requested since I had the card ) and another for purchases ( none were made ) totaling up to {$14.00}. 
I understand the concept of trailing interest or residual interest, however, this is not clearly stated in the terms and conditions of the contract that I entered into with Capital One. I could not even find it mentioned at all. 
I called the company and was told by two representatives that the charges will not be removed and I will have to pay it. The problem I have with this is the interest was calculated erroneously. How can I be charged interest on {$0.00} only because their system said I was supposed to pay on a later date than I did? The company retroactively charged me on a balance that no longer existed. I want them to remove fraudulent finance charges off my account. I did not make any purchase and I did not request a cash advance.
Consumer complaint received 2017-03-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (CA)

I am trustee for my late mother-in-law 's trust. I set up a trust account with Ally Bank in XX/XX/XXXX. Since my mother-in-law passed away ( XX/XX/XXXX ), I need to re-assign the taxpayer ID associated with the account replacing it with an EIN. I recently made a request via Ally 's secure messaging system ( and per verbal direction from the Ally trust department ) to make this change, submitting the Ally trust maintenance form and copy of the death certificate. I received a response message from Ally that I am was not authorized to make such a change. I responded to Ally that I am trustee for the trust, and have already provided Ally with a full copy of the trust that states this. I have received no response from Ally since that message ( two weeks ago ).
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX XXXX. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) EXPERIAN RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX , XXXX and EXPERIAN as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) XXXX ( 3 ) EXPERIAN that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.