davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

OnXX/XX/XXXX, 2017 I received the monthly statement for my checking account. In the case of reviewing this I noticed that there was likely a fraudulent check. I requested copies and then went to Chase Bank branch onXX/XX/XXXX, 2017 and notified them. Chase Banker and I found 14 fraudulent items. The first dating to XXXXXX/XX/XXXX/2017. 

OnXX/XX/XXXX I received a letter saying my " claim '' was denied due to failure to report this in a timely manner. 

I have called the number provided countless times since then. Essentially I am being told that my failure to report the first item within a Chase mandated time frame ( 30 days I believe but even this has been contradicted by those on the line ) renders me responsible for all items. 

I assert that despite the Chase Terms and Conditions that they have a fiduciary duty to safeguard my account. Instead the same payee on all the fraudulent checks was allowed to repeatedly to cash forged checks. I have no idea how the checks were obtained. I do not even know if they were my checks or if the check stock was forged. I am unable to determine if checks were cashed at counter or deposited to payee 's account. I am unable to determine what Chase policies are in regarding this matter and/or whether they followed their own policies. 

I am unsure where to go with this next and Chase representatives maintain that this issue is closed.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX XXXX and her associates from the XXXX.. I had a family business during the recession of XXXX XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The XXXX also went after my son XXXX XXXX XXXX XXXX creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (CA)

On numerous occasions, beginning on XX/XX/2017, FBCS , Inc. ( located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) and their client XXXX XXXX XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX ) contacted me regarding their collection of XXXX account XXXX debt of {$10000.00}. A phone representative of FBCS Inc. has been calling my home phone repeatedly, as well. When my wife answered and asked for debt validation to be mailed to us, the phone representative informed my wife that FBCS weren't legally required to send anything to us, informed my wife that she was stupid to request it and that my wife " knew nothing. '' I responded to all correspondence from FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX detailing that I never authorized this alleged credit card charge to XXXX, the merchant or anyone else. I detailed to both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX that I consider this XXXX credit card charge to be fraudulent, that I am currently disputing the amount, and that I have active investigations with various governmental entities regarding this alleged debt. Both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX, after their first letter dated XX/XX/2017, violated both my State and Federal rights by placing derogatory marks on my credit reports with all credit reporting agencies ( XXXX, XXXX and XXXX ) without first investigating my dispute, responding to my requests for debt validation. I am filing this complaint against both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX as my rights have been violated. Please, help.
Consumer complaint received 2018-01-17
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. (CA)

To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX of California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

On  XXXX   XXXX ,  XXXX , I refinanced my home mortgage. Initi ally, the Loan w as serviced by  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , the Servicing was transferr ed to SLS Loan Servicing. I  have asked SLS to provide me with an amortization and payment history on the Loan, and their response is that they can only provide Loan information from the date they commenced servicing. Therefore, they want me to request an amortization from  XXXX   XXXX  from the closing date to the date servicing was transferred. See the attached email response from SLS.     How can SLS service the Loan if they can not provide a complete payment history? I am asking for a history because I made an additional principal payment of {$3500.00} on  XXXX   XXXX ,  XXXX , and that payment does not appear to be credited to my account.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XXXX XX/XX/XXXXand the economy got the best of us, but I paid our tax lien of $ 20k -/+. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc. (VA)

Diversified Consultants has been calling me since XX/XX/XXXX. On XX/XX/XXXX, I sent a letter stating that I do not have any knowledge of any debt outstanding, requested that they provide identifying information for the alleged debt, and demanded that only contact me via mail and cease contacting me by phone. 

That letter was received on XX/XX/XXXX and from XX/XX/XXXX through XX/XX/XXXX I have received 3 more calls from Diversified Consultants in violation of the cease and desist letter. I have not received any written communication from Diversified Consultants, either before or after the cease and desist letter I sent.
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

On XX/XX/XXXX I initiated a {$3000.00} withdrawal ( bitcoin to USD ) from Coinbase to my XXXX XXXX account. This was marked " COMPLETED '' on XXXX XXXX, XXXX at XXXX. The estimated arrival time to my XXXX account was XXXX XXXX. 

Reference code : XXXX After XXXX XXXX, I checked my account every day and I have been in contact with XXXX who says no funds have been sent. 

On XXXX XXXX, I filed a Support Ticket with Coinbase ; it is Case ID : XXXX. I received an automated response explaining why my ACH withdrawal may be in " Pending '' status - however, my withdrawal was marked " COMPLETED '' since XXXX XXXX. I followed up with two e-mails and tried to get a hold of their support group - nothing. 

It is now XXXX XXXX ( 2 weeks ) and there is no trace of my money ( it has been gone from Coinbase since XXXX and never arrived to XXXX ) nor any communication from Coinbase 's support group. 

I would consider this complaint resolved the moment Coinbase actually executes my {$3000.00} withdrawal ( after fees ) and sends it to XXXX. 

Any help is much appreciated - thank you!
Consumer complaint received 2018-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA (NJ)

XXXX XXXX XXXX repeatedly abuses their power. 
On multiple occasions, they have provided no bill what so ever, yet have then threatened taking the bill to collection and affect my credit. This latest time, we traded our car in ( end of lease ). The dealership agreed to pay all remaining payment. XXXX XXXX XXXX sent a bill for damages to the car to an address that we have n't lived in for 4 years. 
When threatened with collections, we alerted them that the dealership would be paying, and just asked for some more time, since they were threatening collection in a week 's time. 
They admitted their mistake, but refused to push the deadline for payment. When I ask to dispute the claim against me, I was told I could not and there was no process to dispute. I did fax a dispute of the claims over to them ; however, I have not heard anything. According to XXXX ( customer service ), he has heard this story from costumers 100s of times in the year he has worked there. They do n't care, and they wo n't do anything to help despite admitting they are wrong. 
Additionally, under the Fair Debt Collection Practices Act, are n't I entitled to dispute the claim? Additionally, as part of the same act, are n't they required to cease collection of the debt until resolved?
Consumer complaint received 2018-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

Loan 1 : Original Loan Amount- {$32000.00} Current Amount Due- {$68000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 2 : Original Loan Amount- {$12000.00} Current Amount Due- {$23000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 3 : Original Loan Amount- {$5000.00} Current Amount Due- {$8700.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 4 : Original Loan Amount- {$4500.00} Current Amount Due- {$7500.00} Disbursement Date :XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 11.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 5 : Original Loan Amount- {$5300.00} Current Amount Due- {$10000.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 14.375 % Variable Original Provider : XXXX XXXX Current Provider : Navient Loan 6 : Original Loan Amount- {$3000.00} Current Amount Due- {$4700.00} Disbursement Date : XX/XX/XXXX Repayment Start Date : XX/XX/XXXX Interest : 13.125 % Variable Original Provider : XXXX XXXX Current Provider : Navient ** Complaint : Multiple forbearances forced on borrower and borrower not made aware of implications pertaining to interest. Also implications of interest during in school deferments not explained to borrower. Borrower feels interest accrued is too much for original loan amounts borrowed. Original loan amounts borrowed : {$63000.00}. Current owed on all loans : {$120000.00}. Total interest accrued since repayment start date of XX/XX/XXXX : {$60000.00}. Borrower not given alternative methods of repayment to avoid deferments or forbearances.

Additionally, cosigner release requested numerous time over course of loan. Was told 12 on time payments of principal/interest needed to occur for cosigner to be released. Payments made consecutively for 26 months ( XX/XX/XXXX-XX/XX/XXXX ) prior to in school deferment and cosigner still was not released.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I applied for a Home Mortgage with Chase and was approved back in XX/XX/XXXX. The mortgage was scheduled for closing on XX/XX/XXXX at XXXX XXXX Despite repeated numerous messages and emails from Chase that " nothing further was needed at this time '', I was contacted on XX/XX/XXXX at XXXX XXXX to tell me that Chase was not ready to close as they had been unable to verify my employment. Though this was the first that I heard about this being an issue ( as Chase had not mentioned it to me the 3 times that I spoke to them on the phone in the week leading up to the closing ), I was able to get my employer to verify my employment immediately.

We then had to wait until approximately XXXX XXXX for Chase to send over the closing documents. This delay was due to the fact that Chase had failed to send over any figures to the closing company until XXXX XXXX on the morning of the closing. They first sent me a preliminary closing disclosure about a week before the closing. The disclosure was inaccurate as it failed to include the {$7000.00} in credits the Seller had agreed to provide due to issues being found during the home inspection. Chase claimed that it was unaware of such credits, though my attorney had emailed Chase the documents back on XX/XX/XXXX. I never saw a corrected closing disclosure prior to the closing.

The initial closing disclosure I signed indicated that I needed approximately {$76000.00} to close. At XXXX XXXX. Chase contacted the closing company to state that the closing disclosure was wrong and that they would be sending over a new one. I then proceeded to wait until shortly after XXXX XXXX, four hours after my closing started, to receive a new closing disclosure, which now stated that I needed approximately {$78000.00} to close - an additional {$2300.00}. The reason for the change was : 1 ) Chase had incorrectly calculated the per diem interest on the first closing disclosure ( the correct amount was almost doubled ) and 2 ) Chase was disallowing the remaining balance of the {$7000.00} in credits the seller agreed to provide ( this amount was {$1800.00} as the rest was used to pay for the closing costs ).

I was not able to get anyone from Chase on the phone to discuss this issue until XXXX XXXX At that point in time, Chase could not answer why they were disallowing the additional credits, nor why this issue was coming up for the first time 4 hours into my closing, despite Chase being aware of the credits for over two months. Accordingly, I had to pay {$1800.00} above the amount that the seller and I agreed on for my house, simply because Chase said so ( but could not explain why ). Keep in mind, this is on top of the {$2500.00} in fees and charges that I had to pay to Chase for my mortgage.

Despite writing numerous emails to Chase about this issue, I have not had the courtesy of a response. Keep in mind that I have been a Chase customer for over 8 years.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

On XX/XX/XXXX, I contacted PennyMac to have our house assessed to have our PMI removed. In XX/XX/XXXX, our house appraised at {$350000.00} Since that time we have added a new roof, a new water heater, a new furnace, we have put in a {$2000.00} fence in the back yard, and housing prices have risen in general. We asked PennyMac to do a BPO and were told that someone would drive by and look at the front of our house and the back of our house from the outside and that the person would also pull comparable for houses in the area. The first time the BPO happened, the amount came back at {$320000.00} Upon closer inspection, it appeared the person who did the BPO did not even take photographs of the correct house, but instead photographed our neighbors house. In addition, all of the houses that were pulled as comparables had far fewer square feet and almost all of them were much older houses than ours, one up to 18 years older. We pulled some of our own comparables from our area that more accurately compared to our house and sent them to PennyMac, which put the value closer to {$400000.00}. In addition, we notified them that the BPO had taken photographs of the wrong house. We received a letter from PennyMac indicating that they were not going to change the BPO amount. It is preposterous to assert that our house value has gone down from XXXX to XXXX in the current market. Furthermore, the BPOs own document puts the average sale price in the last 3 months for comparable houses at XXXX. We believe this is a systematic problem with PennyMac in an effort to unnecessarily collect PMI when it is not appropriate. Our house only needed to appraise at {$360000.00} to have PMI removed and it is unfathomable that it would n't come back at that amount. What PennyMac is doing borderlines on fraud. After further research it appears that this is being a problem nationwide where mortgage companies are forcing the use of their own selected individuals to do BPO and appraisals and they are routinely and conveniently coming back under the amount necessary to remove PMIs. I ask the CFBP to investigate this systemic and nationwide problem so that consumers are not at the mercy of these corporate companies who have an incentive to keep the PMI in place. Thanks.
Consumer complaint received 2018-01-17
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: Debt Recovery Solutions, LLC (OH)

I have filed complaints with the BBB on this company. It continues to report an unvalidated account on my credit reports. I have tried calling them but they wont discuss this over the phone. They kept asking for payment. I sent them a debt validation letter certified mail, in response to their initial demand letter but they ignored it and continue to report negative on my credit reports.
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX I initiated a wire to withdraw my funds of {$12000.00} from Coinbase to my bank account. The funds were immediately taken out of my Coinbase account, making them unavailable to trade or invest, which was expected as a wire is same or one business day. At the time the wire was initiated there was no warning of delay by Coinbase. Today is XX/XX/XXXX and I have still not received my funds and they are unavailable on Coinbase, unable to invest. I have emailed the company multiple times with no response. I have called them multiple times with no one to answer. The phone simply disconnects. I have written them on social media over 20 times with no response.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCI Credit Services, Inc. (ID)

I pulled my credit XX/XX/XXXX and seen that there was a collection placed in XX/XX/XXXX for a medical debt in the amount of {$770.00} from XXXX that I am unaware of. I have disputed it several times, XX/XX/XXXX and again in XX/XX/XXXX asking to verify that this account is in face mine or delete this as it is holding my credit at a stand still and I have received nothing from anyone. I looked the company up and they do n't seem to be able to collect in the state of Idaho which I currently live in and have the past 2.5 years and they may be in violation of my HIPAA rights by having access to this account which may be why I have received  nothing.
Consumer complaint received 2018-01-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (GA)

At the end of XX/XX/XXXXXXXX Escrow is XXXX. Escrow pmt for XXXX XXXX, XXXX XXXX w hazard ins of XXXX due at end of XXXX As Escrow was over XXXX at end of XXXX, I expected a refund, but they refuse. After my loan was sold to them last year, they immediately increased my payment by well over 100.00. Im a single mother and the initial payment that I agreed upon with the first mortgage co was already tough. And it appears that they have plenty of escrow at the end of the year. They havent lowered my payment either, so I guess there will be about 2200.00 left over in XX/XX/XXXX. You can not get in touch with them. You email, they dont respond. You call and their automated voice sends you around the world then hangs up.