davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I May or may not be part of the Equifax credit information hack. I can not be certain since its been shown reliably that the Equifax verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like XXXX XXXX have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is  astounding.. Thank you for taking time to read my complaint.
Consumer complaint received 2018-01-05
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: JPMORGAN CHASE & CO. (GA)

Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

On Monday, XXXX XXXX, 2015 my father-in-law an elderly person requested help from me ( daughter-in-law ) and son due to XXXX XXXX XXXX not receiving the payment. After authenticating my father-in-law about XXXX times. The Bill Pay Transaction to XXXX XXXX XXXX for a phone bill of {$50.00} paid on XXXX XXXX, 2015 was never received by XXXX XXXX XXXX which has caused my father-in-law stress after never having any issues. It is unfair and deceptive practice that Chase gave the runaround from XXXX until XXXX, where we patiently waited XXXX XXXX hours for a Claims manager due to the 'high volume ' of calls, when I was finally transferred to a Manager in the XXXX after speaking to over XXXX different Chase representatives ( various of which we did n't document their names, a few were XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and lastly XXXX XXXX, claims department manager ). 
The call started with a simple question as to why XXXX XXXX XXXX had not received the recurring payment for the phone bill. Chase referred us back to XXXX XXXX XXXX to provide them proof of payment which XXXX XXXX XXXX did not approve and requested that a " Transmittal Report '' be faxed directly from Chase. We then contacted Chase again and requested the transmittal form which all representatives were not familiar with and they continued to transfer us to different representatives where the issue was finally and hopefully resolved by XXXX in the evening. 

It has been the worst experience with Chase and the type of experience and most unfair practice. There is lack of training, and it is important that clients and elders are n't treated with this type of experience.
Consumer complaint received 2017-07-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

When I enrolled in university XXXX XXXX I was told complete WRONG information and was lied to. One I was not explained properly about the grant and loan process. I thought they were grants that I would n't be paying back. When I talked to an advisor about enrolling I did n't know what I was doing so I was trusting the information they were providing. I had told them my goal was to become an XXXX, they told me I could start my degree online with them then later transfer to any school. So I started this process. School was easy and not a challenge they gave you most of the answers. I did this for about a year. I then reached out to XXXX XXXX XXXX XXXX PA asking if i could transfer my credits to start the process of doing the schooling with them for the XXXX program. They had told me that NONE of my credits would transfer and I would be starting all over. So I then reached out to XXXX XXXX College and even did the preadmission testing. Once my testing was completed I sat in an office with a women who looked over my transcript and completed credits with university XXXX  XXXX and stated NOTHING would transfer and I would have to start over. The whole reason I started with university of phoenix was to get my general schooling done and transfer over to a local school. WHICH THEY TOLD ME BY EMAIL and I still have it, and by phone that I could do this.. WHICH was a LIE. Due to the frustration of all of this I dropped out of school. I didnt know anything about credit, I was a single mom all those years just trying to better my self and they scammed me just as they did others. This aparently happened alot in XX/XX/XXXX-XX/XX/XXXX the years I was attending school with them. They had me applying for loans that I did n't realize was actual loans with the government. THey should be paying these loans and I will be processing a borrowers defense, as I just learned about this. This is effecting my credit because of them scamming me. I am now more educated about my credit and want things done right. XXXX has removed these loans off my credit but they are still on my equifax and XXXX have multiple of the same loans on my credit report. I have copied and pasted some of the emails.. I received alot from them.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

I have an issue with DiTech Financial who holds the mortgage on my home. They have demanded reinstatement funds from me to postpone a foreclosure sale, which I provided and can document ( see attached ). However, they failed to apply these funds to the mortgage, they have kept my property listed as a foreclosure sale through public notices and they continue to categorize my mortgage status as delinquent. I dont know if this is due to incompetence or inefficiency or if DiTech is attempting to steal my home through their unethical business practices. Due to unforeseen circumstances my home went into delinquent status. Once I was made aware of the circumstances I reached out to DiTech to resolve this matter. I was told that the only option available to postpone the foreclosure was to fully reinstate the loan. I contacted legal representative XXXX, XXXX XXXX XXXX in order to determine the amount that needed to be paid to reinstate the loan and postpone the foreclosure sale. The SAME DAY I received the reinstatement figures I wired the money to them, and they acknowledged receipt of the funds and communicated with me that the foreclosure sale date had been cancelled. So one would think that everything was fixed and the situation handled. My home is still listed as being in foreclosure and as recently as 3 weeks ago a foreclosure sale notice was posted. My mortgage statement does not reflect the fact that I am paid up and current and instead continues to give the impression that I am in delinquent status. Despite repeated attempts to correct this issue and to obtain a proper accounting DiTech has rebuffed me at every turn. I need to get a full and correct accounting of payments received and applied, as well as the amount of late fees, legal fees, inspection fees and likely JUNK I have been charged. I have been an Attorney for the last 27 years and am able to make my current monthly mortgage payment without a problem. My issue relates to my wife, who has been having some mental health issues lately. She was in charge of paying the bills, and for some reason she neglected to make the monthly mortgage payment for several months. As soon as I became aware of this and the fact that we were in foreclosure status I IMMEDIATELY attempted to work things out and ended up reinstating the loan as directed by DiTechs law firm. Why has DiTech refused or ignored the fact that I reinstated my loan? Why is my property still listed as a foreclosure sale?? Why does my statement not reflect the amount I reinstated? Why is there a deferred balance listed on my mortgage statement? Why is DiTech treating my mortgage as though it is in delinquent status when I have reinstated the loan and made the monthly payments as agreed the last three months? I need some answers.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I called Citibank and inquired why I had n't received my new credit card and was told that I had an outstanding balance over 90 days old and that I could not receive my card until I paid my bill of {$4100.00} for charges occurring between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I asked why I had n't been notified and was told they sent me the bills and notices in the mail and I never responded. I then discovered they had the wrong address and telephone number in their system. See attached letter for details.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed down 4 different credit card accounts on XX/XX/2018, and confiscated more thatn 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the last 5 or more years. Citi did not provide me an explanation for closing of all the cards and did not provide me the capability to cash out my points. 

As a result, I would like to have a judge adjudicate on this matter. I would like from Citi corporate to provide the correct mailing address whereby I can serve them with the necessary paperwork. 

The mailing address has to be a XXXX California based mailing address as that is where I agreed on the cardholder agreement.
Consumer complaint received 2017-07-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc. (OH)

Filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The investor agreed to a reaffirmed amount of {$25000.00} and has ever since XX/XX/XXXX been asking for a different monthly payment amount that was agreed to in the court order and has now demanding payment of the cram down money which was discharged in the bankruptcy. The investor has now sued me for the discharged debt.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I used to hold a credit card with XXXX via XXXX XXXX. At some point I received notification that Citibank had received the relationship with XXXX, and I was sent a credit card in the mail via XXXX. I never activated my account with CitiBank. 

At some point, XXXX placed an annual membership fee on a credit card account that I had never activated. 

As I was unaware of the charge, Citi began charging interest and late fees on this recurring charge. 

I received notification in XXXX of this year that my account would be charged off if I did n't make minimum payments by XXXX. I logged onto the system and paid the minimum payment. At this point, I also attempted to get card member terms and conditions that would show me how a charge could be placed on an account that was never activated. The only way that Citi could share with me the terms and conditions of this credit card is to send me a hard copy in the mail. I have also asked multiple customer service representatives to communicate the date this account was activated, and none have been able to give me this information. One customer service representative told me this would have been automatic when I received the CitiBank card in the mail based on my previous relationship with American Express. Another told me they could not tell me the date my account was activated due to " security reasons. '' To re-state : -I had an automatic charge placed on an account that I never opened. 
-The only charge on this account is this recurring fee. 
-Citbank has been charging me interest and late fees on this charge. 
-No one at Citibank can tell me when I started this account ; in fact I need to call a special number to discuss -No one at Citibank can share the terms and conditions of my account, and these are also not available on my online portal ; I have requested hard copy versions of my card member agreement twice in the past month.
Consumer complaint received 2017-09-19
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: GreenPath, Inc. (FL)

I hired Greenpath Financial to make monthly payments to all my ceditors and in XXXX of 2017 I was sent a notice form XXXX XXXX that I was late 30 days. I called Greenpath and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To Greenpath each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Acceptance Inc. (TX)

United acceptance XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (MI)

In XX/XX/XXXX I filed a complaint with CFPB case number XXXX, to remove two Old closed XXXX XXXX accounts from All three 4 credit reporting agencies-XXXX, XXXX, XXXX, and XXXX.After CFPB investigation, One Synchrony car care was removed/deleted from all reports except the other Synchrony car care which shows on my XXXX, XXXX, XXXX.On XX/XX/XXXX, I called customer service at XXXX, XXXX, XXXX and they all stated that I need to call XXXX XXXX XXXX XXXX to resolve this issue.Ive tried calling XXXX XXXX regarding this issue and cant get anyone on the phone and left XXXX XXXX consumer relations a message a few times in the past week but she will not return my call as well.Once again, This Synchrony car care on my credit reports shows, Status is closed, Joint account, opened XX/XX/XXXX, closed XX/XX/XXXX, last payment on XX/XX/XXXX.It also shows under payment history that last payment was in XX/XX/XXXX.So the information is incorrect as well.Im requesting that this account is removed from ALL credit reporting agencies.Because this account has not been removed, It has caused my credit scores to go down.Recap, Previously I filed complaint cause two synchrony car care shows up on all 3 major credit bureaus as old accounts that should have been removed.After investigation only one synchrony car care was removed and the other remained.Im filing this complaint to get other removed from all credit reporting agencies
Consumer complaint received 2018-01-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (LA)

To Whom This May Concern I am the rightful beneificary on a cd account with Synchrony Bank. My uncle XXXX on XXXX XXXX this bank allowed XXXX XXXX to mail a fraudulent change on beneificary after the date of XXXX and it had the date before XXXX but was received to them after XXXX Synchrony accepted it with XXXX XXXX signing all paper for XXXX XXXX no notarized notary seal was needed. XXXX XXXX had 2 account and i was beneficiary of both policys Synchrony Bank only paid me for one account. I mail a letter to Synchrony Bank making them aware of the situation and i receive a letter from the President XXXX XXXX XXXX stating they had receive the change with prior dates before XXXX but after XXXX and they had made the change. XXXX XXXX XXXX stated they allowed these frudulent activity to go on at they bank. My lawyer stated they to me under state law no changes are acceptable to any account after account holder have XXXX all changes should made while all parties are still living and if you should XXXX while changing beneficiary its null and void. Account holder must be alive to make these changes. Synchrony bank state they have different rules that they follow and they allow you to make changes if they receive paper work after you are XXXX. XXXX XXXX Police Department has been notified police report number is XXXX and XXXX had tried to change another policy but he was not able to do because he had to get the form notarized from a notary. I have all this information if this is needed all i want is all money back to me the has been fraudulently taken from me. XXXX XXXX told me he was going to change these policy but i did n't know they allowing these kind of changes after XXXX this company can look at the date they change this XXXX XXXX XXXX at XXXX Saturday morning i sent them the XXXX XXXX.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

I am contesting the account with SYNCB/WALMART. It is an account that was opened without my consent. It is showing a balance of {$660.00} with a {$490.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 136 % usage. I need XXXX and SYNCB/WALMART. to correct this account on my XXXX report. I should not oweSYNCB/WALMART. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gragil Associates, Inc. (NH)

XXXX XXXX XXXX XXXX payed their portion of {$870.00} on XX/XX/XXXX. I received a voicemail from XXXX stating that my portion of the bill to paid is {$370.00}. 
Which adds up to {$1200.00}, the amount I owe to the XXXX XXXX XXXX XXXX XXXX. I have an itemized bill from the XXXX XXXX XXXX, showing a total amount due {$1200.00}, I also have a bill from the collections agency, Gragil, for that same amount. 
I called Gragil XX/XX/XXXX to check in and pay my portion of {$370.00}. The first gentleman I spoke with stated that XXXX, who is listed as the account representative was not available but said he could help. I informed him that XXXX has paid a portion of {$870.00} and that my remaining balance is {$370.00}. He said that he does show that XXXX paid that portion. He also stated that my remaining balance is actually {$700.00}. I asked him if he knew why, he said he does n't know, then told me he received an email from the XXXX XXXX XXXX stating I own {$700.00}. I told him I would call XXXX and he quickly said do n't call them, XXXX is looking into this but is not available today. He told me to call back after the holiday. I called XXXX on XX/XX/XXXX to confirm that they paid {$870.00} on XX/XX/XXXX, they did confirm that amount was paid to the XXXX XXXX XXXX. I explained to them what was happening with the collection agency, XXXX stated that they do n't pay the collections agency that they paid the XXXX XXXX XXXX XXXX XXXX and to call them. I called the XXXX XXXX XXXX XX/XX/XXXX I received an automated message that they are not in the office. I called Gragil today XX/XX/XXXX, another gentleman answered stating XXXX is not available but that he could help. I received a different story about why I owe {$700.00}. I told him he can not collect on a debt larger than what I actually owe, I explained I have the itemized bill in front of me. He states that he does see that my balance is {$370.00} but that I do have a collection fee. I stated that I have the bill from Gragil also, with no collection fee attached, no terms or conditions on my account. He stated that he could take off the fee and asked if I would be able to pay {$500.00}. I told him no, I do not owe {$500.00}. He stated that he will look into this and call me back. I have original documentation, my bill from Gragil does not show that I owe more than {$1200.00}. I called the XXXX XXXX XXXX, spoke with XXXX and let her know my situation, states that they did not bill me for anymore than {$370.00}, states that she does n't know why I would be charged fees and that what Gragil is stating is incorrect. XXXX stated that she would have the women who is in charge of this who is back in the office Monday get me answers.