davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

The  XXXX   XXXX   XXXX  sent a credit balance of {$1700.00} to my closed Chase credit card on  XXXX   XXXX ,  2017 . I have yet to receive the money. Chase claims to have sent me a check on  XXXX   XXXX ,  2017  which I never received. I called at leas t four time s between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  asking about the credit balance I was due. I have the id numbers of the individuals I spoke with. No one informed me until  XXXX   XXXX ,  2017  that a check had even been sent. I informed them again that I had not received a check and was told they would stop payment on the lost check. Today I called and found that they did not put a stop payment on the check until  XXXX   XXXX ,  2017 . Today  XXXX   XXXX ,  2017  they are telling me I will now wait anothe r two weeks for a new check and maybe even another 30 to 60 days for the process to start again. In the days of electronic transmission how can this ineptness occur? My contention is that they never should have accepted a credit to a closed account. Secondly when I found this had happened I should not have had to wait 30 to 60 days to have the money returned to me. Once they started the process I should have been n otified that a check was sent. Finally once I started asking about the credit I should have been told a check was sent. I was not thus further delaying the time frame to stop payment on a lost check. Unfortunately just another example of how the big banks take advantage of the consumer. Now I wonder if I will ever receive this credit. Would appreciate some help in this matter.
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.
Consumer complaint received 2017-01-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (SC)

A fraudulent return was attempted at eBay.on an item that had been picked up for local delivery and then subsequently shipped, damaged, and insurance claim allegedly filed and collected. The payment received was taken back at Paypal prior to resolution of the case. I called and asked for the funds back, they explained that they had seller protection, and placed funds back in the account. Then later the funds were taken back away, denying needed use of the funds. No notice was given to me regarding the hold or denial of use of my funds. The case is still open with eBay and may not be resolved in a timely fashion. The fraudulent return is an attempt at a criminal act and Paypal is aiding in that act.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Enhanced Recovery Company continues to add a debt to my credit report that I do not owe. I have disputed it twice, and Experian removes it, but the next month or more it is back on there. When I called Enhanced Recovery Company, I was told that I owed XXXX. I have not had XXXX in 10 years and I do n't believe that XXXX would have waited 10 years to inform me about a debt. I left XXXX in good standing. My current credit score is XXXX. I am beginning to get really upset that I have to continue to dispute this false debt. It is negatively impacting my credit score.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

When i initially borrowed my student loan i was never notified that it was only a 7 year pay back period therefore making my monthly payment extremely high. After complaining to Navient they said i had no other option except to use forbearance up to 12 months.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

This company calls everyday about 5 times a day at our office which we just set up a few months ago. This is a place of business and it is a field office. We do not owe any debts, they should not be calling and they should certainly not be calling 5 times a day everyday! It 's XXXX. I believe it 's XXXX XXXX XXXX. I am familiar with their office in XXXX because I use to drive by it everyday and my nephew use to work there. This one is calling from XXXX per my caller ID.
Consumer complaint received 2016-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

A debt collector called me regarding an XXXX XXXX XXXX delinquent account. I explained that the account was not mine and that someone had apparently opened an account in my name ( The account was from a state I previously lived in ). The collector pressed me two times to make a payment on the account even after I had explained someone, other than me, had opened the account. He asked if I was claiming it was fraudulent, and I replied, " Yes. '' However, he continued to ask me to make a payment in order to settle the account.
Consumer complaint received 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (AL)

Have not received any written notices called them after they put on my credit report no Mini Merada and no verification of debt..was told they did not have to verify and how would I like to pay now over the phone.Then they took it off my credit and then put it back on still no notifications
Consumer complaint received 2016-06-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WI)

I have mortgage with XXXX which originated in XXXX, XXXX. They used Loan Care for their mortgage payment processing. I submitted payments directly though them, although would occasionally also use The XXXX XXXX 's web page. On XXXX XXXX, XXXX I submitted my monthly payment to them using my credit union 's bill pay feature ( as I had done in the past ) I did not know that it had been transferred the previous month. I was told in XX/XX/XXXX, by the XXXX XXXX, that my XX/XX/XXXX payment was late. I then found out about the processing center being changed. I contacted Loan Care and asked them to forward my money, as they had in the past, to the XXXX XXXX, or to return my money to my account. I had used an electronic transfer, so it should be easy to verify. As of XXXX XXXX, XXXX they still have not forwarded or refunded my money, making my mortgage now 4 months late. I have placed numerous calls and emails to Loan Care to get this resolved to no avail. I call every XXXX days. Often, they will tell me they are waiting for information I already supplied. They tell me it is forwarded to a manager, and that they will contact me. No calls are returned. I have asked XXXX XXXX to help, since the loan originated with them. Nothing has been done.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AZ)

I was notified by XXXX XXXX that I had a negative report on my credit. It is a bill from XXXX XXXX at an address I lived at 6 years ago.The bill though the collection agency claims is for XXXX of XXXX. I contacted XXXX XXXX and spoke with XXXX. Her direct number is XXXX. I told XXXX that I have no knowledge of this bill and that I never had XXXX XXXX when I lived in that condo and that my husband and I have XXXX XXXX right now and are and always have been in good standing. I told her I could prove by tax records that I have not lived there when this bill was made. I then told her that I never received any notification from them to dispute this bill before it was reported negatively on my credit report. She then said I needed to call XXXX XXXX because there was nothing she could do about it. I then asked her for the number to their legal department where she gave me a fake number of XXXX. When I called that number it was a customer service number for XXXX XXXX where I was informed that legal does not accept phone calls from consumers.I then called XXXX XXXX where I was informed that they can give me no information because they sold this account to XXXX XXXX and all info must come from them. I am stuck now between a rock and a hard spot with nowhere to turn. I will assume it is illegal to put a negative ding onmy credit report without ever giving me a chance to dispute it. I was given an account number for XXXX XXXX of XXXX
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

There is a collection on my account for XXXX that was opened XXXX 2016 and closed XXXX 2016 in my name. I called XXXX directly because I have never been a customer or client of XXXX my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me! Where I live currently is where I have lives since XXXX 2016! XXXX cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report! There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do! I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am XXXX XXXX XXXX and these kinds of things can hurt my clearance and currently hindering my credit from home buying. XXXX nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of XXXX! It is reporting as a collection! I have never received a call or anything in the mail about the account! I have attached my apt lease that shows the date I moved in! I provided my light bill with my current address for the dates that cover the time XXXX is saying I occupied another property. I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed. XXXX cable/wifi/internet service is not even available in my area. I use a company called XXXX XXXX. They own right to this location Please help me understand exactly how can they not properly investigate and get the CORRECT information from this company and allow the reporting of it falsely on my account. Thank you so much!!
Consumer complaint received 2020-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

My name is XXXX XXXX. In XX/XX/XXXX I used the app Remitly to make a money transfer transaction to from my checking account to my wifes checking account to her bank overseas. The funds were withdrawn the moment I made the transaction. Their record show the transaction was completed and the the funds were delivered to my wifes checking account, but she never received them. Attempted several times to tried to find what happens to the funds and opened an inquiry to trace the funds, but have not received a response from Remitly and now they are unreachable. Not by email, phone or email. The funds were withdrawn form my XXXX  XXXX XXXX checking account and were supposed to be sent to XXXX XXXX to her XXXX checking. {$220.00} or {$12000.00} XXXX pesos.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Control, LLC (CO)

Thank you for your time, my issues are revolving around the amount owed to XXXX for a phone bill. I believe originally this charge was just for 2 months not paid which was under {$350.00}. The amount owed on XX/XX/XXXX was {$700.00} but prior to this date I didn't receive any notice about the debt to this company. I changed my address this year in XXXX and I just received a notice for the first time on XX/XX/XXXX via mail. To add, I never receive any notice in the mail at my previous address either. The inconvenience of the lack of communication unfortunately resulted in a high bill with added late fees concluding at {$820.00}. I strongly feel that this is unfair. I hope that we can agree that these charges will be completely dropped and I won't have to pay the entire bill. Thank you again for your time and I hope to hear from you soon.
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

My mortgage servicing was switched to Loan Care LLC this past summer. Since then I have missed bills, been charged fees, been denied the opportunity to pay my mortgage, been left on hold and/or disconnected multiple times, been denied the opportunity to speak with a manager, been belittled or condescended to. All the while I still have not received any bill or description of charges, penalties or fees.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute with XXXX XXXX and Experian who removed the tax lien since it was not mine. I filed dispute w Experian but they did not remove the item. They did not even do a thorough investigation since I literally received a response in 24 hours that the item was confirmed. I resubmitted the dispute and received an email within a few minutes stating the tax lien was confirmed as mine. I added a statement to my credit report stating the tax lien was not mine. I can not buy a house until this tax lien is off my credit. I wrote a letter to the tax lien and never received a response. I need this item thoroughly investigated so it can be removed from my Experian credit report.
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

Called and spoke to XXXX and was told my fee could not be waived to make an additional payment to my esscrow account. I got an escrow shortage after I made my XXXX payment and I do not understand how a company can not void an {$11.00} fee as a courtesy for a faithful customer. I am not trying to make an {$800.00} payment I am only trying to make the {$280.00} for my escrow shortage. I do not have a USBank near me and I do not feel mailing in my payment is secure. I do not like seeing any type of shortages on my accounts which is why I was tryng to clear it out early so next month i can pay the {$790.00} its supposed to drop to. Do I really have to wait till I make my next mortgage payment to the escrow shortage or can I make it online now? It 's pretty sad, I have been waiting to refinance my mortgage to because I am waiting for a good offer to come in from USBank. But If they ca n't do a simple request like this, which I do not do because I prefer online banking what am I holding for? I also was told I do not qualify to have my MIP removed because if the type of mortage I have, is that correct? Is my only way to remove it is by refinancing o a different kind of loan?
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company (GA)

I have contacted this company a total of three times, requesting validation of the alleged debt ; as well as proof that they ( the company ) has the legal authority to collect the alleged debt on behalf of the original creditor. Twice the company sent a billing ledger as validation. A billing ledger does not assign a debt to me. In the two times they have sent that billing ledger they neglected to include proof that they have the legal authority to collect the the alleged debt.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (FL)

CREDCO supplied a tri-merged joint credit report with a company that I thought was a legal company on the day that it happened. The credit report was for myself and my husband. When I became suspicious because of other things that did n't seem right, I learned that the mortgage company has had an expired license since 2009. Then I asked the licensed real estate agent who did the paperwork in the licensed real estate broker office. I asked the agent why the mortgage company is unlicensed. He said it is because the company was his and that he closed it in 2009 but that he kept the account with CREDCO so that he could run reports on people. CREDCO has not responded to my email about it. It seems to me that CREDCO should know whether or not its customers are even in business, especially after 7 years of being closed. CREDCO has a duty to protect sensitive financial information from thieves. There was no way for me to know ahead of time that I was dealing with an unlicensed mortgage company. Beyond that, because I was in a licensed office with a licensed agent, it NEVER occurred to me that I would be victimized like this. That 's wrong. Very wrong. It is CREDCO 's fault for not knowing that their customer has been out of business for 7 years. Now we are open to identity theft. I have a copy of the CREDCO report issued to XXXX XXXX MORTGAGE.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (OH)

I opened a secured credit card with a credit line of {$500.00} at US Bank in XXXX 2016. I had charged {$490.00} to the card. On XXXX XXXX 2016 i decided to close the account and submitted my request in writing. On or around XXXX XXXX, 2016 I called US Bank and the credit card had been closed and they took the initial {$500.00} secured deposit and applied it to the balance which made a credit balance of {$0.00}. On XXXX XXXX I was charged a {$29.00} annual fee. I called US Bank on XXXX XXXX and was advised that they would go ahead and waive the annual fee by submitting a request and that it would be done within 10 business days. On around XXXX XXXX, I checked back with the bank and it still was not credited I was told to give it a few more days. On XXXX XXXX I called back again and a representative a shored me that they would waive that annual fee based on the prior notes they saw no issue but the representative past me to a supervisor and the supervisor stated that we will not waive the fee because this is a secured card and that if I took any other measures by going to the CFPB or Federal Trade Commission it would do no good because they were not going to break policy based off of a CFPB compliant. This card was closed before the annual fee was ever buil this card was closed before the annual fee was ever billed.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

On  X/X/17   , I made an e-paymnet through Best Buy 's payment system, for the amount due of {$61.00} ; the payment cleared my bank the same day. On   XXXX  , Best Buy (  Citibank )  contacted me and indicated I was 10 days late and assessed a late fee of {$35.00}. I indicated that I had paid the amount the automated system indicated was due . Citibank re p 's only reply was that the paper statement indicated a different amount. In shor t, Citi 's auto mated payment system appears to have not kept pace with billing. When I called a representative to attempt a fee waiver, the rep indicated that this was not my first late ; and that they would not waive the fee. I 'm puzzled as to the relevance of such a statement, when the issue pertains to their e-payment system, not MY pay history. I paid what their system indicated was due, within the timeframe it was due.
Consumer complaint received 2016-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 
1. US Bank issued a Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
The required information was provided by myself and my broker within the specified time limit. 
2. US Bank required more information / documentation XX/XX/XXXX. 
The extra required information was provided by myself and my broker within the specified time limit. 
3. US Bank issued another Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
Some of the items on their list had already been supplied, however everything on the list was submitted or resubmitted by myself or my broker within time limits. 
4. US Bank issued a definitive Loan Estimate XX/XX/XXXX - 15 year@3.875 ( rate locked ). They required NO further information at that time. 
5. 0n XX/XX/XXXX, my mortgage broker notified me that US Bank was backing off on its contracted offer. 
a. He believes that the bank determined it to be high cost due to their own guaranteed rate lock. 
b. Furthermore, he received a list of several more unusual documents and forms that the bank was now demanding. 
c. He asked to file for an extension on the rate lock, but the bank refused. 
6. At this point there are some inappropriate legal issues that US Bank seems to be ignoring in the interest of profits.