davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

Good Morning, I have complaints for XXXX and Synchrony bank store cards. My credit limits have deceased with these banks after either I made purchases with the approved limit or after I paid off my balances and waiting months to use the card. It's happened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American eagle Store Card, Tj Maxx Store card, and now my Ikea Project store card. The Ikea credit decrease was the last straw. I opened the card in XXXX. I made purchases then paid off the balance in full in XXXX XXXX I never missed a payment never had a late payment. My limit with the Ikea store card was {$5000.00}, after I paid it off in XX/XX/XXXX I didn't use the card again until this XXXX. I made purchases with the available credit limit of {$5000.00}. My purchase total was {$1700.00}. A few days after the purchase I receive an email stating I had a secure message> I log into my account to find out my ikea credit limit was decreased to {$700.00}. I have already made my purchases, so this puts my account over the limit by {$1000.00} and my credit utilization will now be affected> I started looking into the other store cards I had this happen with and they did the same> of course my credit score is bad because their practices make it seem like I am spending more than what In have, which is not the case. so when any other credit company do their checks they close the card or lower my limits. these practices are UNACCEPTABLE. Please can someone help investigate this, I'm sure they are doing this to other consumers. I have reached out yo Ikea XXXX XXXX to have them at least put the limit to the purchase amount I was told I have to request a credit increase, they review accounts monthly to check for good standing. I was in good standing so why the decrease?
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My wife and I have three mortgages with Wells Fargo. In XX/XX/XXXX, they never sent us 2 of our three mortgage statements and increased our minimum payment because of an escrow shortage. Because we never got the statements, our monthly payment was short. I logged into my online account on XX/XX/XXXX to investigate why we never got a statement and first discovered that we were late on our payments. Second that a statement was NOT in our statement folder which means one was never created. I immediately called Wells Fargo and they had no excuse why an XX/XX/XXXX statement was created for one of my mortgages but NO XX/XX/XXXX statement has been created for the other two. They stated it had nothing to do with my increase in payment nor my escrow shortage. They pushed me up the chain to the " highest '' customer service dept. That was XX/XX/XXXX. It is now XX/XX/XXXX and I have no resolution. They first told me that it was because I pay my mortgage early. Well, I pay all three early and I got one statement. Then they told me that " someone '' had signed up for online statements but that was XXXX  as a statement still should have been created. They continue to give excuses and everyone they have later said was inaccurate. I can only come to the conclusion that this was an intentional act of deception on their part.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (OH)

The debts went into collection and were sold to a collection company. The  Collection  companies have been trying to collect. I have sent letters to Original creditor, collection agencies and contacted credit bureaus regarding matter on   XXXX   XXXX   XXXX    . The original creditor or the collection agencies responded to my letters.   I have no contract with these collection agencies and I have asked for any contract they have with my signature, still no reply. The credit bureaus told me these collections agencies have a right to collect because they bought these debts and they want their money and they do not need a signed contract. I was told by an  XXXX  representative that I could not dispute these collection agencies because my reasoning was invalid.     I have no contract with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  GA  XXXX  as this account was sold to   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX  PA  XXXX ,  XXXX  I have no contract with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KY  XXXX  as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TX  XXXX ,  XXXX  I have no contract with  XXXX   XXXX , as this account was sold to  XXXX   XXXX   XXXX  #  XXXX ,  XXXX .  XXXX   XXXX   XXXX , KY  XXXX  Please help me if possible. Thank you
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

XXXX XXXX is facing a financial hardship. He has reached out to his servicer BSI for assistance to retain his home. BSI has stated that they will not assist XXXX XXXX because they are stating he has insufficient income and excessive obligations per the decline letter sent in XXXX 2015. XXXX XXXX has the home and a small car payment of XXXX monthly ; no further obligations. He is delinquent on his mortgage in the estimated amount of {$59000.00} without attorney 's fees and cost. He became delinquent due to his wife becoming XXXX. She was no longer able to work and there were excessive XXXX bills along with a curtailment of income. 
BSI then stated via email XXXX 2015 that the home has equity in the amount of {$100000.00} as XXXX is showing the value of the home around {$330000.00}. BSI failed to provide an actual figure which they should have on hand as they had just reviewed the home for modification. A BPO should have been on done and provided. BSI stated that the " current payoff not including fees and costs is approximately {$230000.00}. '' XXXX is failing to acknowledge the provable hardship and using incarnate information. The homeowner has NO equity in the home as he is behind since 2012 in the amount of XXXX without the attorney fees and costs. A short sale would not benefit XXXX XXXX. The value of the home ( see attached ) per the property profile that we paid to pull XXXX unlike XXXX which is free and more often than not inaccurate ) stated the property value of the home at XXXX. THERE IS CLEARLY CONFLICTING INFORMATION. 
XXXX XXXX feels that BSI is discriminating against him based on his Race, ethnicity, language, and national origin. There is no tangible reason for BSI to refuse to assist him. To clarify, they stated XXXX reason to deny him in writing and then stating another via email. XXXX XXXX is not against asserting his legal right in district court and will name BSI as well as XXXX XXXX and XXXX XXXX XXXX as defendants.
Consumer complaint received 2017-05-22
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 a IRS lien in the public record in  XXXX   XXXX , FL that has been resubmitted by the IRS with new totals and dates and Equifax refuses to update/remove this from my credit file .  XXXX    and  XXXX  have corrected the errors and have updated the IRS information ; but Equifax steadfastly refuses to update or remove this inaccurate information.I recently lost the opportunity to lease an apartment due to this inaccurate lien reporting on my Equifax report.  Equifax  is relying solely on a third party they use. (  XXXX  )
Consumer complaint received 2017-05-21
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: Experian Information Solutions Inc. (UT)

CFPB Complaint  XXXX  :  XXXX  indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from my credit report.
Consumer complaint received 2016-07-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (MT)

I am again filing a complaint against Guild Mortgage company. Guild has continued measures of harassment although they have been notified of the sale of our home. The process is currently in escow and I have been providing them with current updates in this regard with certified and notarized documentation. I have tried and tried even through the previous complaint in which they changed legal documentation as submitted to the Consumer Financial Protection Bureau once they were required to submit documentation stating that they were right in their decision making and reporting of false statements on my credit report in which they admitted to myself and I provided that documentation and they went ahead and changed the exact documents omitting the data of their choice. They also changed our account history based on their want in which the documentation then then mailed to my house has been actively changed by XXXX XXXX. XXXX XXXX also had a associate contact me in response to these measures telling me that the recorded conversations of all phone calls they have on file and when I asked to liten to the recordings as well the male individual stated that those are their recordings and I will not get access or ability to listen to these recordings. I also find it rather disturbing that they are permitted to change legal documentation in regards to mistakes that were brought to their attention in order to avoid any further action towards them in favor of a borrower. Interesting that they now sent a certified letter stating foreclosure when XXXX verbalized permitting hold payment during the payoff period and now they are stating they are going to take our home when it has already been sold with contract acceptance and proof of lending from a different mortgager. They have forged documentation in stating that they were never holding money without our knowledge. It was done numerous times over the last 18 months but them being able to falsify documentation in order to present prejudice behaviors against us, changing dates and information. I hope that an investigation will be done looking deeply into their account process especially because they are actively breaking the forth set mortgage lending laws.
Consumer complaint received 2017-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (IN)

I have submitted a separate complaint on XXXX and its 3rd party collection agencies ( CFPB case # XXXX ) for their mishandling of previous disputes I have made to them and/or their 3rd party agencies. I dispute the amount owed of {$130.00} and have since they attempted to collect it. I have been assured by XXXX and/or their various agencies on several different occasions that the debt would be cleared and they would remove it from my credit bureau. Initially about XXXX years ago, I submitted a dispute to the credit bureaus disputing this alleged debt. It was subsequently deleted either due to no response from the collection agency it was assigned to or they could not verify the debt. Since then it has been re-reported by XXXX different collection agencies with the most recent reporting coming from Stellar Recovery. Prior to Stellar, I have disputed this debt with the collection agencies, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX. They both agreed to remove this alleged debt from my credit bureau and acknowledged my dispute. What appears to be occurring is that these agencies are canceling the placement and sending the account back to XXXX. These agencies are either not communicating my dispute to XXXX or XXXX is ignoring the communication. Once XXXX receives the account back from the agency, they are then placing it with yet another collection agency who then reports it to my credit bureau ( despite this account initially being disputed through the XXXX major credit bureaus where it was subsequently deleted ). It has since been re-reported 3 different times. At this time, Stellar Recovery needs to promptly remove/delete this reporting from my credit bureau and then XXXX needs to ensure they clear this disputed debt as it is not valid. XXXX then needs to take responsible action to ensure this is never assigned to a collection agency and is never reported to the credit bureaus again. XXXX can not and has not provided any concrete proof that this is a valid debt, because it is not.
Consumer complaint received 2016-06-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I had called Citibank on XXXX/XXXX/XXXX around noon time. A Citibank representative had help me upgrade my account and get the promotion of {$400.00}. I had confirmed the Citibank representative that i am able to get the promotion if i upgrade my account to Citigold and and maintain {$50000.00} for 30 days. Therefore, i transferred money from my XXXX account to Citibank. I had kept more then {$50000.00} in my account for more than 30 days. After half year i had not receive the promotion credit so i called Citibank on XXXX XXXX, half year since i join promotion. The Citibank representative first told me that my account do not have any promotion note on it. I explained to him that i upgraded my account because of the promotion. after he checked my account he told me that it is still in process. i will received my promotion at the end of XXXX XXXX. Since i still do not receive the promotion, i called on early XXXX XXXX, the Citibank representative told me that i am qualified for the promotion but she do not know why i do not received the promotion. She said she will send my case to the back office and i will receive the back office respond in around 10 business days. I had received the note from Citibank back office and their response is i am not qualified because my account is not open within the promotion time. I called on XXXX XXXX XXXX the Citibank representative told me that i am not qualified because the checking account is not a new open account. i told her that when i upgrade my account to get the promotion, the representative told me i will qualifies for the promotion. Since she i not willing to honor the promotion, i asked to speak to her manager. She put her manager on the phone and the manager said because the promotion is only for new customer and i am a existing customer therefore i am not qualified for the promotion. I told her that if that is the case the your representative should told me at the beginning so i do not need to upgrade my account. then she said she was sorry about to hear that but there is nothing she can do to honor the promotion. I told her that is Citibank mistake, Citibank is responsible for the mistake you made. she just repay that she can not honor the promotion. 


Below is the Citiback Pomotion : Earn a {$400.00} Cash Bonus* What drives you drives us. Start a new Citigold ( R ) relationship today.Or visit a Citibank branch, or call XXXX and mention code XXXX. Earn a {$400.00} Cash Bonus Open a new consumer Checking Account in The Citigold Account Package by XXXX/XXXX/XXXX. Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. * It 's that simple. The cash bonus will be credited to your new checking account within 90 days from the end of the month in which you complete all offer requirements.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. ()

I moved XXXX XX/XX/XXXX and lost my renters in my house in Virginia with mortgage held by Chase bank. I stopped payments XX/XX/XXXX and the foreclosure did not go through until XX/XX/XXXX. I 'd like to claim unfair damage due to the long time frame for foreclosure and have the foreclosure removed from my credit history at this time.
Consumer complaint received 2018-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

XXXX to some credit collection agency yet they aren't on my credit report from 2012 .. My go bill should handled everything yet dept ed.. Sallie Mae loans are all in great standing s right now.. I'm a veteran trying to accomplish my goals and achieve my degrees. yet I have proof these companies were charged off
Consumer complaint received 2023-02-24
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau Name ] has reported on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXXXXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-20
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I have been in repayment of my student loan for almost 4 years now. Over this time period there have been many occasions in which I made payment but still received collection calls. After the first call I resolved the issue ( or so I thought ) but still receive repeated calls with the explanation that they ca n't stop calling until they resolve the problem. I receive calls every few hours with no end even after wasting hours in the beginning sorting out the issue. I believe the only purpose of the calls is so they can have a record that they attempted to collect the debt, not to actually help resolve the problem. I understand mistakes are made but this has happened multiple times without any apology or attempt to resolve the issue. If the error is the fault of the company I should never receive another follow up call if it 's taking them time to resolve. There was one situation in particular that I had to deal with a month of harassing calls every few hours daily because Citibank deposited my payment into the wrong account and they were unable to resolve the problem expeditiously or take me off the call list.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

I was a victim of account fraud on my chase account. I contacted the police department when I noticed a  XXXX  transaction on my account that I did not authorize. I was in possession of my ATM card. The police went to the gas station where the transaction took place and they pulled the video surveillance and they were able to identify the suspect. The y have a warrant out for his arrest. I contacted my branch manager and he explained that I am insured and that the money would be put back in my account. Months later, Chase said they did an investigation and found that there was no fraud and took my money back out. My branch manager called the detective and provided the fraud depart ment at chase the police report number and the detective offered t o give then the video with time stamped proof of the suspect and provide written proof of the warrant. The fraud department refused to take the evidence even though I am supposed to be protected and insured. I am begging for help. I have any and all evidence needed. My branch manager was outraged at the way the fraud department handled  this case.