davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: E*TRADE BANK (NY)

As the XXXX XXXX XXXX, I reached out to eTrade to set up a business bank account, along with an initial deposit and IRS EIN. I received a letter saying that the account was approved and open, along with instructions for accessing the account. When I tried to do so on XX/XX/XXXX, however, I received errors from their Web site. Upon calling in, I was told that eTrade has chosen not to do business with my team ( my existing personal accounts were not affected ), no explanation would be given, and that I would have my money refunded within 7-10 days. Today, on XX/XX/XXXX, I received a call saying that I would have to submit a letter from my XXXX and proof of identity in order to get my initial deposit back, despite that deposit being transferred from my personal eTrade account. 

It is bad enough to opt to close my account days after it was initially opened. It is worse to opt not to provide any explanation. But it is ( or should be ) downright criminal to then hold my funds for well over a month while waiting to supply me with instructions on how to receive my money. 

I am in the process of supplying eTrade with the requested documentation, but I 've been given no ETA on the refund of my initial deposit. I will be looking at alternatives for my personal and business banking and trading needs and suggest others do the same.
Consumer complaint received 2015-11-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cascade Capital, LLC (NH)

I have repeated asked the Debtor to provide proof ( by way of the original bill ) of this debt - both on my own and through your agency. The collection company has put this collection on my credit report without verifying to me that it is a debt. That was a ludicrous move because they were far likely to get paid ( if the bill is even legitimate ) had the only reported IF I did n't pay. Now, regardless of the outcome, what is the incentive - it is still on my credit. I read complaint after complaint about these people and there is no one that does anything about it. Shame on everyone involved. Putting this bill, without an proof, on a credit report for a alleged bill I owe back to 2009 is extortion. Shame!!
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Colony Brands, Inc. (LA)

After asking to stop these credit cards because i no longer need them and it was agreed and the interest began to grow after paid up. I have asked them several time to cancel. After getting my credit reports from all beaus i noticed they have been placed in collection. I am asking for them to be removed and delected from all XXXX credit bureaus immediately. I have been desputeing these item over and over again.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

Bank : ChaseLoan # XXXXIssue : Paid fee {$380.00} for extension of rate locking period by 15 days. To approve the loan, Chase was responsible to obtain some documents but Chase took more time to get these documents. There was no delay from my side. To meet contract agreement dead line, I was advised to pay the fee and request Chase to reimburse the fee but no response from Chase
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (KS)

Chase paid my insurance in XXXX XXXX and analyzed my escrow on XXXX XXXX. Afterwards, Chase escrow was set up ( not by me ) to pay insurance twice in XXXX and XXXX of XXXX. I have requested an new escrow analysis 3 times since XXXX XXXX, and as of XXXX XXXX, no analysis has taken place. My mortgage payment has therefore more than doubled. 

I sent my regular payment last week, and found on ( yet another ) escrow-related call Thursday that it had been applied not as a mortgage payment, but as a principle payment, and that my regular mortgage payment was listed as still due. While on the phone, the customer service rep said " while I have you on the phone, I 'll switch this from a principle payment to a regular payment. '' Yet when I called on Sunday to make sure that had been done, it had n't. 

Just this month, I have called : XXXX XXXX - XXXX said they would do an escrow analysis XXXX XXXX - XXXX refused to listen ; after several requests to speak to a manager I was switched to XXXX, who said they would do an escrow analysis and send me paperwork to remove my insurance from escrow, as I no longer trust Chase to handle this properly XXXX XXXX - XXXX XXXX said she would request an escrow analysis and switch the payment from principle to regular XXXX XXXX - the robo confirmed that the last analysis was in XXXX, had not been done any of the 3 times this month I requested it, and that the last payment was still marked as principle-only. I have also not received any paperwork to remove my insurance from escrow. 

I also sent a letter on XXXX XXXX regarding this debacle. On XXXX XXXX, XXXX confirmed they received it. I have had no other response.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NY)

The issue is as follows, Out of the clear blue JpMorgan Chase Bank decided to shut down both of my credit cards. I used the cards regularly for my daily purchases. Please note my credit is XXXX with all XXXX credit reporting agency 's. I used 2 % of my entire Credit lines and I pay off my bills Bi-weekly in full. in order words I have no risk whatsoever to this or any other financial institution. I truly believe that I was discriminated against in this situation and I want this matter investigated accordingly.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

Received a call from XXXX XXXX XXXX employed with Transworld Systems Inc . Stated this is a debt. collection agency left XXXX numbers. XXXX and XXXX. Be advised my ID was compromised many years ago by unknown actors. There is a great deal of misinformation and fraud base in the past. I have been unable to address these criminal actors for yrs. for no person group or agency will present me with the correct information.
Consumer complaint received 2015-12-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited XXXX state checks from my XXXX retirement fund, in person at chase on saturday XXXX XXXX 2015 at XXXX. Both the checks were over XXXX k but both are state or local government issued checks. I was planning on using some of this money to buy XXXX presents for my kids. The teller casually told me after i asked that it would be 2 days to clear ok no prob. But i look on reciept and it says XXXX XXXX. I have a credit uniom i can take them to that would make them available sooner. From what i read of cc federal reserve regulations this is a violation. Because i deposited a local government check in person i believe 2 days is the max hold. Am i wrong, and can i get the checks back monday morning so i can take them to credit union?
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I have a joint account with my mom at chase. She passed away last year, so the account was dormant for a while. I received a new card from the bank, and i remembered i have that account. i used it one time to check if it was still active, and it was. on XXXX XXXX, I deposited XXXX checks at a local ATM. the transaction went through. the following day, i went on line to check on it, and could not find the account. I called the bank helpline and was informed that the account was closed. there was no email or letter sent. and that they said they closed it on XX/XX/XXXX. i called the local bank where the checks were deposited. I explaines to them that the money is a loan, and was intended for a family vacation that my family was looking forward to, and that we are leaving that coming sunday. they said they were going to mail the checks, expedited. the vacation came and went, we still have not received the checks. i called their local bank again, only to be informed that i have to file a claim instead. and that the claim takes 10 days, again to be processed. and that tere is no way to expedite this.
Consumer complaint received 2017-01-20
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Snow and Sauerteig LLP (IN)

COLLECTOR IGNORED CEASE AND DESIT AND CEASE COMMUNICATION VIA CFPB XXXX IN XX/XX/XXXX REFUSE VALIDATION REQUEST AND WENT ON CREDIT REPORT IN VIOLATION OF XXXX AND XXXX. AND XXXX COUNT OF T.C.P.A. ON XX/XX/XXXXCALL FROM NO XXXX to XXXX ( see attached. ) LASTLY COLLECTOR IN VIOLATION OF THE DODD-FRANK ACT.
Consumer complaint received 2015-11-07
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: PLS GROUP, INC (IL)

I purchased this card with My Drivers license for my daughter so she could use it for her XXXX XXXX account, I loaded the card with {$17.00} initially and then {$45.00} 3 days later so she could charge {$32.00} on the card. Upon entering the prepaid card on the XXXX website the card was charged {$32.00} it deducted from the funds available on the card but XXXX said she still needed to pay the balance confused I contacted PLS customer service number apparently there was a " HOLD '' placed on the card for {$32.00} it took 7 business days for that hold to drop off, I had to pay {$32.00} with my personal major credit card for my daughter when the entire purpose of me buying her this prepaid card was so that she could shop online and with her XXXX account without me having to use my Major Credit card. I spoke to supervisors and XXXX csr reps and none of them could explain to me why I had to wait 7 business days to get my {$32.00} back on the card for my daughter. XXXX rep even advised me the card was never activated, I activated the card personally and I know that is not true, anyway we waited the timeframe to get the money back on the card and it still was not available by the date XXXX at Midnight as promised I had to call AGAIN to have it manually added back to her card. I think this card is a fraudulent prepaid card and should be investigated I even contacted the PLS on XXXX XXXX in XXXX IN where I purchased the card demanded a Store Manager contact me, I never received a return call. These people are taking money from consumers for a prepaid card that does not actually work. I am so grateful that I stopped the Direct deposit of {$400.00} that I was going to put on it for my daughter every month for her allowance. It took us one week to get {$32.00} off the card there was no way I was going to risk putting more funds on this card. 
My child also tried to use the card on XXXX, XXXX and XXXX to buy some pink tights and the card declined each time for {$6.00} when she had {$55.00} on the card. 
I believe there is something shady about this company and it needs looking into to protect other consumers so they will not have to go through all that me and my daughter went to through to try and use their prepaid card. It does not work and it is a low budget company with poor customer service and poor management.
Consumer complaint received 2022-08-04
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. (VA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

I am a XXXX XXXX and victim of identity fraud. In XXXX my employer informed me that someone collected unemployment in my name. As a result I enrolled in Identity Protection. I have had several XXXX XXXX cards opened in my name as well as a Wells Fargo account. Both banks would not provide contact information on the account and provided limited assistance. I requested a Security Freeze through XXXX XXXX on XXXX. It took a month for Wells Fargo to close this account. Ironically, this week on Thursday XXXX I was again informed by identity protection that someone was again opening three different bank accounts in my name.
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I have been battling with XXXX and Navient since 2012 about a misapplied forbearance that caused me XXXX late payments on my credit report. Even though I have never missed a payment, my disputes have always fallen on deaf ears. I even truly feel that the XXXX employee who initially made the error might have been negligent on purpose. 

The delinquencies are XXXX Signature Student Loans, which were reported delinquent in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2012. The actual occurrences of the delinquencies were in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2012. That is the first error. The second error is that the forbearance was to be applied to the starting in XX/XX/XXXX so the account would be brought current. This should have eliminated the chance of account delinquency. I would have, and should have, been been enrolled in the program without any credit bureau reports. The reduced rate repayment plan began in XX/XX/2012, which was paid as of XX/XX/2012, on my account history. The forbearance and repayment plan were a huge repayment triumph for me since my previous dues were so high I could not afford them, and then they were dropped significantly. But now, because of the forbearance error, these XXXX Signature Student Loans ( each showing three months late ) equate to XXXX delinquencies/late payments on my credit report. They have affected my credit score so badly that I can not even qualify for new school loans if I choose to go back to school. This is true, even though I have dedicated myself to loan repayment in full and have prioritized XXXX/Navient above all other responsibilities. No certified letter has done any justice. Attached is the original certified letter which is nearly what I 've expressed here in the complaint.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

ALLY FINANCIAL continues to call my husband and his employer after being told his work hours XXXX and that his employer does n't allow calls to the office. We XXXX have requested my cell number to be placed as the first form of contact because I work in a office and have a little more freedom to answer phone calls, yet they rarely call me. We have requested not to be contacted on Sunday 's as we attend Church and family gatherings, yet they will call multiple times a day. When you set a promise to pay they still call EVERYDAY until the payment is made, and even before verifying the payment was made they still call afterwards. The harassment has been expressed to manager 's there more than one time and they still continue to call. I now have to put this all in writing so that I 've made all possible attempts to make it clear when are the best times, and who to call.
Consumer complaint received 2016-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Sarma (TX)

I was working with XXXX XXXX XXXX ( XXXX XXXX ) for my mortgage requirement. 
1 ) XXXX made first enquiry into my my credit report on XXXX XXXX and suggested me to pay one of card to reduce my balance. 
2 ) After I pay the card and send him the proof of the payment, he suggested me that he will be able to do rapid rescore so that he will be able to give me some competitive rescore. 
3 ) He also told me that for rapid rescore, they do n't need to re pull credit report again. 
4 ) I trusted him as I understood that pulling credit score is a standard practice in the market.for mortgage loans application. 
5 ) XXXX made another query into my credit report on XX/XX/XXXX where he never took my permission again for this XXXX query in my credit report..
Consumer complaint received 2015-08-31
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TRANSWORLD SYSTEMS INC (NY)

Company has informed me that the statue of limitations has expired on the debt and it is a violation of the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq, to sue for a debt which the statue of limitations has expired. However if i do n't reply to this letter they have sent me or pay the debt in full they will issue a wage garnishment to my employer. And stating again " the only way to prevent this is by paying them in full ''
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MO)

I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

After graduating high school, I wanted to pursue a career in XXXX or learn how to be a XXXX. I went to XXXX XXXX in XXXX to discuss my options with an admissions counselor. They made me feel as though I was unique and that they only let certain individuals with certain vision attend the school. I was accepted and felt great. I started attending classes after getting a cosigned loan. 

Shortly after attending classes it became clear to me that this was a scam. My teachers barely understood what they were teaching and would not answer my questions regarding job placement. The job placement conferences were laughable. They were not in any way applicable to what I was going to school for. Kiosks were set up by companies offering minimum wage to conduct work for hire that was not in anyway related to my subject of study. 

Often I had to teach myself XXXX and the functionality XXXX and ask if we were going to actually discuss the movies we were watching. I could 've rented these films or purchased them on my own without a loan and without wasting my evenings after work. 

Then I realized this loan was going to get very large over the course of 4 years. I started expressing my concerns to XXXX teacher who seemed unhappy with his job and whom I was able to talk to after the end of a class. He too was unhappy with the situation at the school and told me to get out, that I was catching on to something much larger than I knew, that I needed to leave before I had too much debt pile up. 

I decided to listen to his advice. This was in XXXX. It is now XXXX and although my loan has been paid on, on time, each month all this time, it is not going down, it is increasing. I have asked for settlements I have asked for loan forgiveness. Nothing is offered. The school, XXXX XXXX is officially closed.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

There is a Public Record reporting on my credit reports that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.