davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Filed complaint with CFB regarding XXXX XXXX XXXX decision ( XXXX complaint ) XXXX. Also complained that my pay for performance incentive which was received in XXXX of XXXX  ( was not to be received per guidelines until XX/XX/2021 ( XXXX year of after trial period payments, that would be XXXX plus one month ). Per guidelines attached I should have received notice of my incentives no later than 30 days prior to the anniversary date ( pay for performance letter to sign ). Also to receive form XXXX, XXXX XXXX XXXX to sign. I did not receive such letter outlining my incentives which among the XXXX reduction of principal would also give the option to re-cast the mortgage at the lower principal balance. 

The original complaint was addressed XXXX but just went on to explain the form XXXX was already signed at the original modification. It did not address my request for pay for performance letter nor the recast of principal balance after XXXX was applied. Nor did it address why I was paid so early in advance out of guidelines. I can only assume that since the servicer also receives XXXX that they processed early. 

I had received a call from XXXX XXXX at Mr. Cooper, Home Solutions Department. i expressed my concerns. She stated if I wanted to recast, I had to request, they did not have to give me the option. Not within guidelines. I explained guidelines to her and stated I wanted the reduction of principal balance applied going back to the date I should have had the option to receive. She inquired with her company and stated no they would not do retroactive. 

I received the recast agreement XXXX, please see attached. There would be no way that it could be signed off of as my notes on agreement will attest. 

I emailed XXXX XXXX did not attach a copy but have ) and expressed my concerns. I then received a letterform XXXX XXXX ( attached ) explaining my concerns in written detail. 
No one in their right mind would have agreed to the terms the way the note was written as you can see. 

I understand now and have written documentation to feel more comfortable, however there are 2 outstanding issues. 

# XXXX. I have tried to research servicing guidelines and can not find my answer. The loan would be recast but not over a 40 year term but the remaining term I have left approximately 33 years. This would only save me about XXXX dollars a month vs XXXX per month re-amoritized under 40 years. I need to see clarification of the official guidelines from Mr. Cooper to make sure this is being calculated correctly. 

# XXXX. If I accept the recast, i am once again requesting that this be retroactive to the date I should have been given the option, this is per Federal guidelines that was not done.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MA)

Chase Banking On XX/XX/XXXX I received a bonus email from chase to open a checking account. Upon direct deposit being set up for a first time checking account the bonus would be honored of {$200.00}. 

All steps were completed and bonus was not applied. 

On XX/XX/XXXX I called following up on this bonus. The call lasted 20min. The staff informed me they would send this to the back office to honor this bonus. 

A researcher was assigned to the case but did not follow-up by getting in contact with me. Stating invalid phone and email on file which is incorrect. 

I have attempted to call this researcher over 10 times and left multiple messages and have not received calls back in the course of a week. 


Following-up with chase a supervisor they informed me they would expedite and assign a new researcher on the case that would call me back in two hours. That did not happen as well. 


At every turn and point I have talked to a various employees who have attempted to call the staff researcher who provided a false narrative, without much success. No employee at chase was able to get XXXX XXXX on the line to answer their questions as well. Emails were sent with no response. 


I in-turn uploaded the email I reached from chase guaranteeing me a bonus along with the coupon code provided. I also included the email stating the bonus was automatically applied, which was not the case. 

They enticed the consumer to open an account using deceptive practices and have refused to provide guaranteed bonus, although all steps have been completed. 



I spoke to an employee XXXX today as well who decided it was best to send me to a voicemail instead of a supervisor that would take my call. XXXX forwarded me to the researchers voicemail box instead of his superior. The case number for that call is included below. 
- # XXXX - # XXXX Case ID for second escalates call towards Chase Back Office XXXX
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (PA)

I could n't find the appropriate complaint to submit this under. On XX/XX/2017 I received an email stating : We are confirming your recent request to change the telephone number on your account ending in XXXX  on XX/XX/2017. Next time you need to make updates to your account, visit us online at XXXX.com and click your profile. 
If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 
If you do not recognize this request, contact us immediately at XXXX I called as I did n't make this request and feared my account has been hacked into. When I called and verified my information, I was told the collections department generates these emails when they can not get through to a person just so they can verify a persons information. 

XXXX XXXX has completely misrepresented the purpose of their email and lied. I was on the verge of cancelling all of my charge accounts as a result because I was afraid my identity had been stolen.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JDJ Investments, INC. (LA)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2019-12-04
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 was denied credit which prompted me to check my credit report and when I did I noticed that XXXX   had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. Equifax removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.
Consumer complaint received 2016-01-31
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

US Bank has not honored its XXXX XXXX XXXX contract and not posted the XXXX points promised after the spend was met. It is nearing 6 months since the points should have posted, and multiple phone calls have yielded a whole host of excuses as to why the points were not honored, including glitches, confusion over XXXX XXXX XXXX, and even a bug where statements were n't generated ( all untrue ). The most recent phonecall was the most brazen attempt of avoiding fault, with representative XXXX ( id XXXX ) went so far as to demand additional spend on the car beyond the XXXX XXXX XXXX in order for the points to post.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (IA)

Purchased XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. Paid the vehicle off in XXXXXXXX XXXX XXXX. Called US Bank twice in the summer of XXXXXXXX to inquire about my title. Both times they said title was being released. As of XX/XX/XXXX had not received title. I called US Bank and they acknowledged they've had a paper copy of the title since XXXXXXXX XXXX XXXXXXXX and failed to forward the title to me.
Consumer complaint received 2023-03-14
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : {$45.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

On XX/XX/2022 I reached out to the company, and followed up on XX/XX/2022 after being ignored. 

On XX/XX/2022 they had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place. 

I followed up with a letter on XX/XX/2022 to give company estoppel notice noticing their failure to provide proof of claim by XXXX XXXX XXXX Contract Callers INC All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me. 

I have requested the company to show : XXXX. Validation of debt over four months ago. These accounts needs to be removed from my credit report. 

XXXX. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code XXXX. Copy of Contract signed by both parties. 

XXXX. Provide TRUE CONTRACT, NO PHOTOCOPY. 

This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2.

Please see attachments for letters sent to company.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-10
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. (PA)

I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

Equifax Inquires 1 ) Equifax - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX XXXX, XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 1 ) XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

I have messaged, and called Paypal trying to close my account. They are refusing to do it, even though I have no money in my paypal account, no transactions pending, etc. My account is not limited. I would love to attatch screenshots, but because I called about closing my account ( it tells me to call when I try to close it in my account ) they froze my account so its still open but I cant access it! I'm supposed to call back in 3 days to see if they will unfreeze it and maybe close it then. This sounds rediculous, but this is what I'm dealing with! I have called 3 times, and messaged in app.
Consumer complaint received 2019-12-05
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 am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
Consumer complaint received 2017-10-10
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. (TX)

On XX/XX/XXXX, I received the result of my dispute submission. The result was, the account belonged to me. I am a XXXX, and my father is a XXXX, the account belongs to him. This collection account apparently was opened in XX/XX/XXXX, In XX/XX/XXXX I lived in California with no pets why would I have a XXXX XXXX XXXX account? 

I believe because my father and I both have the same name, and I recently ( as of XX/XX/XXXX ) live at the same address there was a mix-up and his collection issue has found it 's way into my credit report. A simple investigation into the account may show the original account owner is not me.
Consumer complaint received 2019-12-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC (FL)

PLEASE CALL MR. XXXX XXXX at THE EXECUTIVE OFFICE OF CUSTOMER ADVOCACY OF XXXX XXXX ( XXXX ) XXXX as he knows my previous complaint about the same matter COMPLAINT ID XXXX filed on XX/XX/2019. 
The complaint was resolved successfully because Mr. XXXX removed the account debt from The Collection Company back to XXXX XXXX at its original Dollar Value. I bought a Cashier 's Check of {$3200.00} to pay the debt and mailed it on XX/XX/2019. I have been in contact with XXXX at XXXX to find if my check arrived which it did on XX/XX/2019 and I was told by XXXX that she also received a check of {$6600.00} from LaVrar THE COLLECTION AGENCY but no problem because XXXX XXXX will collect the debt and the remainder will be refunded to me. The remainder is {$6600.00} but I imagine XXXX had to deposit both checks to collect all the monies and THEN ISSUE A SOLE CHECK FOR ME. I have been waiting for the check and I have been calling XXXX at XXXX but the recording says there is noone at the office PLEASE CALL BACK LATER. I called the customer service phone and a Manager COULD SEE A CHECK NUMBER IS GOING TO BE ISSUED but from where she was she could not see FOR HOW MUCH OR WHOSE NAME. I did not sleep the whole night at all THINKING! Not only me but also The Title Company have asked LaVrar to mail back a check for {$6600.00} to The Title Company to place the funds back in Escrow. The Title Company forced me to sign AGAINST MY WILL ( I have emails to prove it ) The Stipulation to pay LaVrar under threat my debt would go up to include Court Costs and others only to find XX/XX/2019 that my complaint was approved so I could pay XXXX XXXX the lesser amount owed. 
The response of LaVrar to my complaint ( dated XX/XX/2019 ) reads as follows : " LAVRAR HAS NO ACCESS TO THIS ACCOUNT BECAUSE THE DEBT HAS BEEN RETURNED TO XXXX ''. COMPLAINT ID XXXX QUESTION : Why did LaVrar send the full {$6600.00} to XXXX? Why not send it to The Title Company? Why not brake the monies and pay my Debt to XXXX and The remainder send it to The Title Company? Wasn't it THAT LAVRAR HAS NO ACCESS TO THIS ACCOUNT???? 
I smell a big fish here. I think LaVrar wants to collect from the check from XXXX a fee and The Managers at XXXX DO NOT KNOW WHAT TO DO BECAUSE THEY HAVE NO ACCESS TO THE PREVIOUS HISTORY OF THE PROBLEM AS Mr. XXXX XXXX. I trust he will resolve wisely like he did in my first complaint. Please call him ASAP before you make a mistake. Thanks.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lockhart, Morris & Montgomery Inc. (GA)

On XXXX XXXX, 2016 & XXXX XXXX, 2016,, Defendants attempted to collect a debt and created an unauthorized trade line on Plaintiff 's credit report using 'Last Reported : XXXX XXXX, 2016 ' on Plaintiff 's credit report. Defendants willfully violated the FCRA by performing an unauthorized trade line on Plaintiff 's credit report. 

On XXXX XXXX, 2016 & XXXX XXXX, 2016, Defendants attempted to collect a debt and performed an Impermissible 'hard pull ' on Defendants credit report without a firm credit offer.