davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

Tuesday XXXX XXXX 2016, I noticed that my Chase checking overdraft protection deposited {$1800.00} into my checking account to cover an overdraft. However, there was no overdraft that occurred from my records or from Chase. The amount showed as 'Pending. ' I contacted chase at XXXX EDT on Tuesday XXXX/XXXX/2016 to ask why this happened, but the ( male ) Chase representative could not explain why. He stated that I should repay the {$1800.00} back to the credit card ( Chase XXXX ) and everything should be fine. He stated that I need to do this before the end of the day ( Tuesday ). As instructed, I made the payment from my checking ( account XXXX ) to my Chase credit card that night for the amount of {$1800.00}. Wednesday morning ( XXXX/XXXX/2016 ) my account showed an new overdraft because of the payment I made to the credit card. However, the funds ( {$1800.00} ) that were originally showing as 'pending ' were no longer in my account and a new credit card over draft amount was transferred for ~ {$1500.00} ( to cover the NEW overdraft ... according to Chase ). My checking account now has a XXXX dollar balance and I no longer have any money in my account. I 've talked to at least XXXX different Chase employees, from different departments, each coming up with their own explanation of what occurred. Eventually, I was told that I would have to wait for the {$1800.00} credit card payment to post and then have it reversed which will then take an additional 3-5 business days after I call back, yet again to explain the situation to yet another Chase rep. This is a complete breakdown of communication on Chase 's part and lack of ownership for what one incompetent Chase employee told me to do. My family and I have been trying to stretch the mere {$300.00} in my checking until next pay day. I keep getting the same answer from Chase : " I 'm sorry, but there 's nothing we can do. '' I mentioned to them that my phone call was recorded with the original rep and that they should take ownership for their mistake. I had one employee ( XXXX XXXX ) tell me that I should start using a paper register to keep track of my records ( i.e. placing blame on me for the issue ). So far, I have not heard anything back from anyone within Chase and I 've wasted hours today on the phone re-explaining the problem, but ultimately, it has gone no where. I want my cash back in my account and I want them to rectify this properly. I will also be looking into what can be done from a legal point of view. I need help.
Consumer complaint received 2023-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with XXXX XXXX. I had never been late in the 4 years of having an established credit loan with XXXX XXXX  XXXX XXXX agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a single mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had covid and lost a family member and we had burial expenses. I feel like XXXX XXXX lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XX/XX/2023. 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of XXXX XXXX she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MEI AUTO FINANCE INC (TX)

XX/XX/XXXX I received a XXXX XXXX XXXXXXXX XXXX from MEI automax in XXXX XXXX for approximately {$17000.00}. I got the payments down to {$7600.00}. MEI automax added {$2400.00} to my loan which brought it up to XXXX. XX/XX/XXXX I called MEI and spoke with a lady named XXXX. She advised me to not worry about the {$2400.00} added to my loan because it shows in her system that I only owe {$7600.00}. I called again and spoke with a manager. He told me that I'm getting charged approximately 4-5 dollars a day of interest, that's why my loan is going up. I have never missed a payment. I use " XXXX '' to see my loan balance. My payments also have gone up. I was paying {$170.00} every two weeks. Now I'm paying {$220.00}.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I refinanced my home in XX/XX/XXXX. When my new loan was set up the mortgage company estimated my property taxes too low. I was not made aware of this problem until XX/XX/XXXX when I received an email saying that I needed to review my escrow statement. When I reviewed this statement, it said that I have to pay {$25000.00} by XX/XX/XXXX or my monthly payment ( which is currently about {$1700.00} ) will go up to {$4000.00} a month. The letter also states that if I do pay the full amount of {$25000.00} my monthly payment will still increase to {$2700.00} a month. The reason I refinanced was to get a lower interest rate and lower my monthly payment. My current lender is Wells Fargo. 

My property taxes for the past three years are as follows : XXXX - {$4100.00} XXXX - {$11000.00} XXXX - {$6600.00} Since XX/XX/XXXX, when I made my first payment to Wells Fargo, I have paid {$500.00} every month towards escrow, over {$700.00} in interest and about $ XXXX in principal. 

I do not understand why or how this has happened. 

I called Wells Fargo and spoke to three different people. They said I should call XXXX XXXX about my property taxes and the only thing they could do is refinance my loan at a higher interest rate to cover the amount owed on escrow. 

I am afraid I will lose my home. I have no way of paying the {$25000.00} and can not afford the increase in my monthly mortgage payments.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX, I refinanced my mortgage. Because of the way the dates fell, after payoff I was due back approximately {$1800.00} from my old lender ( Freedom Mortgage serviced by LoanCare ). One month after payoff, I called to inquire about my refund check. The XXXX rep said I had to wait 3 months before they would look into it further or reissue the check. I called back on XX/XX/XXXX. The XXXX rep had trouble finding my information because she said the loan was " closed '' and " archived '' so she had no record of it in her system. She said she 'd put in a request to have it reissued and I asked her to verify my address and she said it was correct. Weeks later ... still no check. 
I called back XX/XX/XXXX and was told the earlier Rep had " messed up '' and did n't file the proper reissue request. Then I was told my address on file was also wrong ( they had # XXXX instead of XXXX ). This Rep promised to put a rush on my reissue request. I called back last week because I still had n't received the check. This time I asked to speak to a Supervisor who claimed his name was XXXX XXXX and ID # was XXXX ( but he sounded as if he was lying ). He said my loan was closed and they did n't have access to my information. He could n't confirm the status of my refund check nor whether my address was correct. When I pleaded for help as I needed that money and asked him, would n't he follow up on nearly {$2000.00} if he was in my shoes, he said " No M'am ''. He pretended to take my email address and phone number and promised to follow up. Now nearly 7 days later and he has not followed up nor have I received my refund check. This is illegal for this company to hold my money in this way and claim to have no record of it. I can not believe this servicer is allowed to exist. They are corrupt and a total mess. I just want my money back that is rightfully mine, and I want the CFPB to investigate this company. Just look at their XXXX reviews to see how horrendous they are : XXXX They are stealing from US citizens . Now it is getting close to tax time and I was counting on these funds to pay my property taxes. What am I supposed to do?
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Coinbase, Inc. (IL)

https : //www.coinbase.com/borrow Coinbase Borrow offers an individual the opportunity to borrow money using bitcoin as collateral. It doesn't work, at least not for me. It tied up my bitcoin as collateral and provided nothing in return. Coinbase has been unresponsive and hasn't returned my bitcoin despit me informing them that I no longer want a line of credit. There was an error at the end of the Coinbase borrow process. There was no loan confirmed. It simply said error. Afterward I noticed my XXXX was locked up as collateral. However, I never received anything in return. I didn't receive anything ( loan, a line of credit, cash, etc. ). I've told Coinbase I no longer want the loan and I've asked them to return my XXXX and unlock it as collateral as I never received anything in the first place. Support has been unhelpful. There has been no word around my complaints. Coinbase shouldn't be offering loans using XXXX as collateral given the service doesn't work properly and due to the fact that they are tying up user assets without giving them anything in return.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WI)

Hi the medical bills these companies are saying I'm responsible for paying is in -correct my kids father is liable for paying medical bills not me. This is not my first complaint I have been letting them know over and over, but I'm not getting no resolution. Please remove collection! Thank you
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-09-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I have had a XXXX mortgage with Fifth Third Bank since XX/XX/XXXX. The loan amount was {$36000.00}. My monthly payment is {$260.00}. I have consistently paid more than the required amount. I am not delinquent and never have been. To this date, XX/XX/XXXX I have paid over {$27000.00} in interest and have requested repeatedly that the excess amount be applied to the principal. I was advised that interest is charged on a daily basis and that has to be paid first. My loan balance is still at {$34000.00}. My loan payment is due on the XXXX of each month and is considered late if not received by the XXXX. From what I was told from the bank was that even though my payments are received on or around the XXXX, that I am being charged interest for those days prior to the due date (? ). This is a terrible loan product and I have requested that my loan be modified to be fully amortized and was told that they do not do business in Arizona ... but yet, my home is in Arizona. I feel that this bank has taken advantage of me and still continues to do so. Their products are inferior and certainly not for the benefit of helping homeowners. Their lending practices are very unfair and unreasonable. I have asked for help but to no avail. Please look into this bank 's policies and procedures as it does not look good for just everyday working people that deal with this awful bank. Also, I am not delinquent and my interest payments are always on time ( their time ). This is not an interest only loan, although it sure looks and feels like it ... .just awful.
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I get a call from XXXX telling me that I am being served at home or work. I called the number and spoke to XXXX . XXXX who said I was being taken to court before I was even told who I owed. After he told me it was 5/3 Bank he asked my intentions and I told him this was paid a couple of years ago. He told me it was n't and he 'll see me in court. I asked if this call is recorded and wanted to know the name of the company. He wanted to know why and I said because I 'm going to file a complaint and sue them also. He said I could n't afford to sue them or I would have paid the credit card. I reminded him that the card was paid and I will follow through. He refused to give me the company name. I called back several times and got someone there to tell me the name is XXXX XXXX XXXX.
Consumer complaint received 2017-01-11
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (PA)

I settled all my debts a couple of weeks ago, I paid all XXXX collection agencies that claimed I owe them. XXXX recovery systems claim I owe them {$780.00} plus, I settled with them on XXXX XXXX 2017. My conformation # is XXXX. 
I also settled with XXXX for {$33.00} ( which I owed ) I setteled those accounts on XXXX XXXX as well. Conformation # is XXXX and XXXX was also settled since the credit was sold to the same creditor. Payment conformation XXXX. 
All these payment were made electronically and I proof of payment. 
I do plead that you look into this urgent matter for me and I truest appreciate the help and thanks in advance. 
Sincerely XXXX
Consumer complaint received 2019-06-20
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. (OH)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-07-14
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: JPMORGAN CHASE & CO. (MN)

Lost my card and reported two unauthorized international charges on my credit card and Chase decided to deem them non-fraudulent due to chip detected. 

Reversed transaction dates - XX/XX/2022 - XX/XX/2022
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Services, Inc. (LA)

THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (TX)

A CBE Group text me to collect a debt and I dont owe anything for anybody. The text reads : This message is from the CBE Group, a debt collector. Please contact us at XXXX or XXXX. Reply 'STOP ' to stop texts to this number. 
The phone number it came from is XXXX ( XXXX ) XXXX. I dont know who they are!
Consumer complaint received 2015-10-28
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MD)

RushCard has stopped me from taking money out of my account I have tried to contact them for the last XXXX hours and I 've been put on hold for at least XXXX hours and then hung up on or I will talk to a supervisor and they will put me back on hold and they will hang up this has been an ongoing problem I see charges on my account that I have not purchase anything because I have not been able to use my card I 'm not able to pay my bills because they 're holding my money
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have a VA loan certificate of eligibility. I own a single family dwelling located in XXXX XXXX XXXX CA. 

I currently hold a 40 year fix conventional mortgage at 4.125 %. 

I began three weeks ago contacting major VA venders such as Wells Fargo the current holder of the 40 year fix, XXXX XXXX, and XXXX, to refinance the 40 year fix into a VA 15 year fix or 30 year fix Wells Fargo, called me and stated they where not refinancing veterans conventional loans to a VA guarantee loans. Wells Fargo stated they were only refinancing VA guarantee loan " XXXX '' or veterans who are purchasing for the first time. 

I had a mortgage company pull my credit rating this week, and received respectively a XXXX, XXXX, XXXX, credit score. My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My loan balance is {$470.00}, XXXX, and the value of my home is estimate to be over XXXX XXXX. 

I contacted the Department of Veterans Affairs Loan department in XXXX and spoke with a VA Loan officer. The Loan officer stated Wells Fargo was in violation of VA policies and that their action could violate their VA venders status. 

She suggested I contact Wells Fargo and conduct a three way  conversation with the VA to resolve the issue. I contacted Wells Fargo and they refuse to conduct the telephone conference and go on the record. I was instructed to send this e-mail explaining my experience and as of this e-mail I can not find a VA vender to refi my loan following VA policies. I am also filling a complaint against two other banking institutions for the same reasoning. The other two banking institutions are XXXX and XXXX
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC1692g I clearly sent, '' Wells Fargo '' a cease and desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.