davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Tier Capital, LLC (CA)

On XX/XX/XXXX, I was in the process of closing a reverse refinance loan with XXXX when they were notified by HUD that the current company holding my mortgage, Good Life Home Loans, had never insured the loan and that we could therefore not proceed until this loan got insured. Consequently, my file and application was going to be cancelled and closed and I was going to have to go through the grueling process of reapplying all over again. This is so unacceptable that they are causing this major setback, inconvenience, and trouble to put me through this. 

It is beyond my comprehension as to how and why this happened. There is no excuse for someone not doing their job and filing proper documents to get this loan insured or ever making sure it was insured. If I had not applied for a refinance both myself and Good Life would have never known my loan was never insured. This loan closed on XX/XX/XXXX so it has been nearly 6 months with an uninsured loan with Good Life Home Loans. 

After talking to the Good Life company, I was told this would be resolved by the end of the month. I am filing this complaint to make sure this happens as quickly as possible without wasting a lot of my time. Also, I want the owners of this company and all other people to know how incompetent this company was to allow this to happen and make sure no one is expected to endure this kind of situation again. In addition, this is delaying the close of my loan with XXXX by a minimum of 2 weeks which causes me to pay interest that I would NOT be paying had this not happened. As a result of that I believe I should be due a reimbursement for the cost of the interest for the time that is going to accumulate due to the error of this company. 

Finally, I would like to mention that my interaction with your branch manager, XXXX, in the XXXX XXXX office was so incredibly rude, hostile, accusatory, and unprofessional in every way that I will be filing a formal complaint with the XXXX XXXX XXXX to detail that experience and hopefully inform the owners of XXXX XXXX XXXX XXXX and the public, of the gross unprofessionalism and extremely poor handling of this situation by her, who is in the position of branch manager, and should not be.

Company involved in complaint : Good Life Home Loans XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX
Consumer complaint received 2021-03-02
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. (FL)

I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was XXXX paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/XXXX, I noticed that XXXX XXXX XXXX Loancare '' had debited my escrow account {$2900.00}. They claimed the amount was sent for my taxes to XXXX. The problem is that I no longer owe taxes on my home due to laws in Texas for vets, XXXX and elderly. When I called and told them that I owed no taxes and asked them for a bill, they could not provide one. They admitted that they had never been billed by my tax authority and had no idea where the amount came from. They " started '' a process to fix it. I waited two weeks. I contacted them again. They had done nothing on the account. This time the customer service rep was rude, she screamed at me. She claimed that I was at fault for them sending the amount because " you have only been with us two years and you must not know how much your taxes are and if you don't owe taxes it is up to you to stop us from sending money each year. '' When I said that was bogus, she blamed the postal service. When I wouldn't accept that, she left me on hold for an hour and hung up. I made a complaint to the XXXX  They restarted the 30 day period but still did nothing. I had to call XXXX, the tax authority when they got the check from the escrow on XX/XX/XXXX. I had to ask them to refund it and resent it to the escrow. That has been done. Loancare has still not credited the account. I sent Loancare, on XX/XX/XXXX, the copy of the tax bill showing that I don't owe taxes last year and won't owe them this year. My escrow review is this month and they have had more than two months two fix this. They have done nothing. They are intentionally trying to triple my escrow payments to make money on my escrow. They have not fixed my 2021 estimated taxes. They have not fixed the issue with them sending ( with no tax bill ) all of my escrow account to an entity that did not even have money owed. They continue to make promises over many, many phone calls but do not make a single change to the account. They have far surpassed the 30 days they have by law to fix and reply.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (MA)

I have attempted twice to have them validate the debt. 

They sent me a bill. which stated I was past due from XX/XX/XXXX. 

The Account they were attempting to collect was over 5 years old. 

They did not respond to my second request sent Certified mail. 

# XXXX received XX/XX/XXXX they failed to respond in the 30 days.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX XXXXXXXX XXXX XXXXXXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX IS A FRAUD ACCOUNT AND I HAVE SUBMITTED THE FTC DOUCMENTS CONCERNING THIS ACCOUNT.THIS ACCOUNT HAS ALSO BEEN REMOVED BY XXXX XXXX AND EQUIFAX XXXX IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc. (CA)

Yes hello, I recieved credit for furniture & some electronics products from XXXX XXXX/ Swiss Colony credit online. 
I made most of the payments online or over-the-phone for these products, until I was injured on the job and was out of work for 2 + years on work XXXX. 
I missed a couple of payments due to this issue of being unemployed and out of work, but/ and most of the amount due was paid out of the {$860.00} total and only a few payments were missed. 
And XXXX XXXX Swiss Colony Credit has stuck me the consumer for the whole amount of {$860.00} which is Wrong and Not Right, I would like this record stricken/redacked from the/my credit record history of being a charge off. 
Because after making many payments for the products I purchased on credit, they don't have the right to charge me the whole amount!, like I never made a payment at all! 
This is completely wrong and not right. 
I would like this to be taking off, stricken/redacted from the record, because it is NOT CORRECT & hurting my credit at this very desperate time in my/our lives, when really need it ... 

Thank you, I appreciate your time. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-30
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: AR Resources, Inc. (FL)

I have been calling AR Resources for weeks to pay a debt. On hold for hours at a time, unable to leave a voice-mail. Unable to pay online, as I can not get the acct # to pay. Sent in dispute with this info, no changes or assistance. I want this off my credit. Repeated attempts with no success
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

Good morning, Previously I had an outstanding balance with US Bank that I have since paid off. My credit union has advised me that US Bank has not removed my name from XXXX Please remove my debt immediately and provide a statement showing I no longer owe this debt to US Bank. 

Thank you for your time.
Consumer complaint received 2021-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (MS)

My payment was due on XX/XX/XXXX. I schedule payment for XX/XX/XXXX to save a few dollars on interest but the online system wouldnt allow me to payoff for the XXXX or XXXX of XXXX. After reaching out to customer service. A supervisor stated I couldnt change the payment date or cancel regular payment to payoff earlier because it was sent to the bank to be ach on XX/XX/XXXX. Three days before due date to hit account on Monday XX/XX/XXXX. The supervisor explained he was going to reversed the second payment to equal up to my actual payoff of XXXX to be scheduled on XX/XX/XXXX. However on Monday XX/XX/XXXX. I have a remaining bal of XXXX and was told by the representative that the higher ups wouldnt accept the second payment that on my account and I was responsible for the remaining payment. 
I have paid XXXX this loan. If the company wouldnt submitted the payment 3 days earlier I couldve paid the payoff on before or before the date due. Interest is adding daily on the balance that supposed to been XXXX. 
I have talk to several representative and I am being told the pay off wasnt accepted that the supervisor submitted due to the fact the ( supervisor ) quote me the incorrect amount.
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I consolidated my loans, submitted Public Service Loan Forgiveness with Navient and got into payment driven plan in XXXX. Since my payments were to be very high, they advised me to go on deferrement and forbearance since then and to renew every year. I would call to check the status of my forgiveness and I would hear that after 25 years from the original graduation year of XXXX my loan would be forgiven or by the Public service loan forgiveness route, whatever comes first. I believed them! 

My loan is now due for repayment and no more forbearance is available AND that all this time I incurred much more interest and that none of the years counted. They never told be that forbearance did not count, on the contrary, they incentive it. 
My loan now is over {$230000.00} - over {$100000.00} of interest alone! 
This student debit is not allowing me to qualify for loans to purchase property on the first floor in order to accommodate my elderly mother who can not use stairs. How can a company, working with federal loans, act solely for the investorss profit? Federal Loans!
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

On XX/XX/21 I signed up for a Coinbase account. This allowed me to make purchases for XXXX and XXXX via this site, which i did. On XX/XX/21 I lost access to my account and reported the issue to support. In signing up for service, my account access 2-factor for security was set up via SMS text. On XX/XX/21, my 2-factor SMS text was disabled by Coinbase thereby disabling my access to my account. Since then, customer support has refused to assist me in resolving this matter. As of today, I still do not have access to my account. Coinbase 's actions have caused me damages by not allowing me access to my account to withdraw funds, or sell my position to avoid losing money.
Consumer complaint received 2018-03-07
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. (NY)

this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Enhanced Recovery Systems is continuingto report a collection account to my consumer credit file. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
Consumer complaint received 2020-07-24
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. (AL)

Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all  documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-07
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. (CA)

In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.
Consumer complaint received 2018-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FINEX Group LLC (CA)

Upon seeing a collection account reported on my XXXX credit report, I contacted, by Certified Mail with Return Receipt, the collection agency called XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ), on XX/XX/2017, regarding a collection account in the amount of {$1800.00}. I kindly requested them to validate the debt and give me more info on it. To date I have not received any response from them. I think the collection company is in default as they did not respond within 30 days time. In fact they never replied to my letter seeking validation and more details on my alleged debt. The collection information still remains on my XXXX credit profile and it is preventing me from moving forward, financially speaking. The collection agencies are very arrogant and defiant of consumer laws. They are under the false illusion that they are all powerful and invincible. I pray that you, the Consumer Finance Protection Bureau will reign on them and limit their power, arrogance and gross disrespect for the law. 

I can be contacted at : XXXX. 

I thank you in advance for your time and efforts in this matter.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

My accounts with Chase Bank were closed without notifying me. They may send a letter but by the time I get it the damage is already done. My son had some alleged fraud activity associated to his account which is a XXXX Account and is linked to me. My son spoke to Chase and they advised him of the fraud and did advise him that they were going to close his account and send him a check. He stated they told him that he could no longer bank with Chase which I thought was odd. I asked if he was telling the whole story and he claimed he was. I happen to check my account to confirm my mortgage payment had gone through and noticed my account did not look right. I called the XXXX # and put in my debt card number and this is when " I '' found out my accounts were closed. I spoke to a representative that got smart when I asked, " so you close my account without telling me? '' His exact words were, " I just did ''. At that time I requested a manager. He placed me on hold I just disconnected the call and immediately went to a local branch. They were not any help there either. I still have not found out why my account was closed or why they said I can NO LONGER do business with Chase. I have been with Chase for years and I can not believe they would do me like this. I have not done anything to make them do this. I looked up reasons as to why a bank would close an account and none of them pertain to me. I just want to be treated fairly and at least get an explanation as to why MY accounts were closed. I can understand closing the XXXX account ... .but why mine? My son is a member of the United States XXXX currently in New Mexico. There was a question about service member. I am not a service member but my son who also is affect is.
Consumer complaint received 2020-01-29
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: SYNCHRONY FINANCIAL (OR)

I received a letter from Synchrony Bank in XXXX informing me that I needed to activate a Mastercard rewards card that would replace my existing credit card associated with a CareCredit account managed by Synchrony Bank. When I activated the card, a new account with Synchrony was opened and the old account I had with them was closed. I contacted Synchrony in early XXXX to resolve the issue, as I had never authorized the company to open a new account or applied for a new card. The representatives that I spoke to shrugged off my issue and I received a typed response from Synchrony informing me that by activating the new card, I had agreed to an upgrade of the my account and the old account was considered, " Account closed due to TRANSFER. '' Synchrony 's actions had a direct impact upon my credit score and I believe they possibly broke the law by opening a new account and closing an old account without my authorization.
Consumer complaint received 2021-03-29
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. (FL)

I have sent a method for verification letter, requesting information in detail on how my alleged late payment was verified. I have NEVER been late in the over 6 years I've held my XXXX XXXX card. The bureau alleged that I have one late payment in over 6 years of having the card. When the copy I just sent shows there are several inaccuraties in my credit report dealing with my XXXX XXXX account. By law, 100 % of my information is supposed to be accurate and it clearly not accurate. 

Please provide me as my letter states the method of verification or remove the late payment from my credit report.