davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

ONCE AGAIN I COMPLAIN. I AM SURE YOU WILL DO NOTHING ABOUT MY COMPLAINT! YOU ARE MY GOVERNMENT AND YOU DO NOT PROTECT ME FROM CHASE BANK THE MOST SCANDALOUS BANK THERE IS. EIGHT YEARS OF LIES, DECEIT, THEFT, COMPLETE INCOMPETENCE, AND RECKLESS HANDLING OF MY FINANCIAL AFFAIRS.CHASE HAS TRIED TO GET ME TO COMMIT PUGERY BY ASKING ME TO SIGN DOCUMENTS ON A MODIFICATION THEY TOLD ME I QUALIFIED FOR.THEY ILLEGALLY FORECLOSED ON MY PROPERTY IN 2010. I HAVE SPENT {$37000.00} IN LEGAL FEES FIGHTING THEM. THEY TOOK MY PROPERTY BUT HAD TO RETURN IT DUE TO THEIR NEGLIGENCE. BUT BEFORE THEY DID, WHILE I WAS IN THE REDEMPTION PERIOD OF THE ILLEGAL FORECLOSURE, THEY BROKE INTO MY PROPERTY AND DID {$2500.00} WORTH OF DAMAGE, CUT MY UTILITIES OFF, CANCELLED MY UTILITIES. ALL ILLEGALLY. AND YOU STAND BY AND DO NOTHING. NOW I AM BACK TO SQUARE ONE. I MUST ACCORDING TO THEM SEND AN APPLICATION AND MORE PAPERWORK. IVE DONE THIS AT LEAST SEVEN TIMES. IT IS A SHAME OBAMA OPENED YOUR OFFICE TO HELP PEOPLE BUT YOU DO NOTHING. I WANT TO BE CONTACTED DIRECTLY BY YOU AND BY XXXX XXXX TO FIX THE NIGHTMARE THEY HAVE CREATED FOR ME. LIARS AND CHEATS. THEY HAVE DESTROYED MY EXCELLENT CREDIT RATING OF XXXX. IT NEVER ENDS. I JUST KEEP HAVING TO DEAL WITH XXXX EMPLOYEES OF CHASE BANK.WHO DO NOT FIX ANYTHING.FILE THESE COMPLAINTS WITH YOU AND LIKE I SAID YOU DO NOTHING.THE ONLY REASON I GOT BEHIND IS THEY TOLD ME I HAD TO BE BEHIND IN ORDER TO GET THE MODIFICATIONS. I HAD NEVER BEEN LATE WITH ANYTHING.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WI)

Navient has continuously charged me high interest rates, while in forbearance or deferment and made the process for entering into an IDR program lengthy- while interest accrues on my account and no other options are or were available to myself, I want to add this complaint to the law suit that has been filed against Navient.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I called Specialized Loan Servicing to make a monthly payment and they refused to accept my payment. I was told that they would not accept a payment of {$800.00} ; which is one ( 1 ) month payment that the payment had to be one ( 1 ) month payment + half a payment. This is not the first time they refused to accept my payment ; in XXXX XXXX they accepted a payment of {$780.00} ; however in XX/XX/XXXX I was informed that they did not accept that payment and I needed to pay the new amount of {$800.00} ; an increase that I was not aware of. I did pay the amount requested, however it then put me at 2 months behind in payments. I have paid the {$880.00} up to this date and they have accepted the payment, however today XXXX XXXX, XXXX they refused to accept the payment ; which would put me at XXXX ( 3 ) months behind. I have been working with the Loan Modification department since XXXX XXXX.
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (NH)

In early XXXX, XXXX, I attempted to upgrade my Citi Rewards Card to XXXX which offered a better reward. I have had my current CitiCard for twelve ( 12 ) years and have always paid it in full and on time. My credit limit was raised in XXXX - I thought I was considered a good customer. To my surprise my application was rejected. I called CitiCard and ask why I was rejected. I was told the reason was that XXXX ( Credit Reporting ) was reporting that I had no credit or credit score. This, of course, is obviously incorrect since I have been a CitiCard holder since XXXX. XXXX does not show my CitiCard on my Credit Report. There is an obvious breakdown in communication between CitiCards and XXXX. I think it is also absurd for CitiCards to report to XXXX credit history of one of their ( CitiCards ) customers, then ask XXXX to provide the same information back to them ( CitiCards ) before they will issue a credit card. CitiCards should already have the necessary information on a current customer of theirs. 
Attempting to contact XXXX and speak to a live person who is willing to help correct inaccuracies is very, very difficult - in my case, impossible. I have filed a separate complaint against them. As for CitiCards, I have made numerous calls and spoken to numerous representatives. None of them to date have corrected this problem. 
This is more than an irritation. This affects what I pay for home, auto, etc., insurance. In my case I can show financial damages.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (CO)

I had an account with BBVA, it was bought by PNC Bank. I got a letter saying if I do nothing my account will be moved to the new bank. I did not want an account with this bank so I followed the steps to opt out of the transfer. Then I kept getting statements for the new account I did everything possible to stop from being created. I got a statement for the last three months and every month I call and they tell me they will close it. It should have never been created in the first place but its completely ridiculous they keep the account open after multiple attempts to close it.
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Talbot, Adams, & Moore, Inc. (TX)

I have no recollection of this collection. Talbot, Adams & Moore / XXXX. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Approximately two weeks ago, I filed an online dispute with TransUnion about an account that had been paid in XXXX XXXX, but was showing as unpaid collections in my TransUnion credit report as recently as XXXX XXXX. I contacted the creditor to confirm my records and they informed me that the account had indeed been paid in XXXX of XXXX and that the account had a {$0.00} balance. The creditor informed me they would contact the credit agencies to have the item removed. Last week I received confirmation from TransUnion that my dispute had been completed and the item was removed from my TransUnion credit report. While that was the outcome I wanted, TransUnion consequently LOWERED my score by XXXX points, while my scores with XXXX and XXXX were simultaneously INCREASED by XXXX points and XXXX points, respectively. I contacted TransUnion by phone and was provided no satisfactory answer as to why upon completing my dispute with them ( where a negative item that had been shown in collections had been removed ) they lowered my score even as the other XXXX agencies increased them. TransUnion should have INCREASED my score, but has apparently chosen to penalize me for appropriately correcting a negative misreported error. TransUnion can not explain their reason for lowering my score in this matter. This is not as complicated as quantum physics - it is a simple matter of right/wrong and them refusing to do the right thing. XXXX increased my score - TransUnion kept reporting the error for two years and has chosen to dock me XXXX points for correcting it.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (WI)

I would like someone at my XXXX to investigate a transaction I made on XXXX XXXX, 2014 to a company by the name XXXX out of XXXX, WA in the amount of {$1000.00}. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms.
Consumer complaint received 2016-11-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

chase bank is forcing me to purchase a {$150000.00} FLOOD POLICY DESPITE THE OUTSTANDING BALANCE IS {$120000.00} .and also taking money into a escrow account for flood policy that I have paid in full and supplied them with a fully paid up flood policy showing paid in full
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and verified false, fraudulent, incorrect and incomplete information many times. 
THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive XXXX. XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) .the information on the credit report is based on activities that include the illegal charges so the balance is inflated.there is no dofd on the report, the amt of last pymt is not listed, the scheduled payment is not listed ( used to determine excessive late fees ). 
I have attached all account history and legal reference in the form of the statute, the CFPB official guide, the Federal Reserve commentary on the ACT.all violations also violate FCRA and FDCPA on the part of Transunion and XXXX AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF DELETION OR FUTURE ACTION ... ... FOR KNOWINGLY VIOLATING FCRA, FDCPA AND 2009 CREDIT CARD ACT, A JURY AWARD COULD BE SIGNIFICANT.
Consumer complaint received 2016-04-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PROVIDENT FUNDING ASSOCIATES (OR)

I have been trying to work with my mortgage lender for two years. They put me in forbearance 2 years ago and never told me I had to pay it back well I have been trying to re-fi the loan for over a year now and month after month they ask for the same documents over and over. I have talked to counselors and they said they offer counseling for Harp XXXX loans but over and over they ask for the same thing. So I filed bankruptcy to save my house and they refuse the bankruptcy I want to keep my house and I have given them proof after proof and they do nothing but ask for the same documents over and over. Its frustrating and very unprofessional.
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (AR)

I had a XXXX XXXX in XX/XX/XXXX that was taken to the emergency room by her grandmother. My name was used for some unknown reason, I was out of the state at that time on vacation. Arkansas DHS is the responsible party. The bill was and has been turned over to them, and by their statements to me resolved. XXXX XXXX XXXX is the original debt holder {$280.00}. XXXX took the account # XXXX {$280.00} dated XXXX. I disputed the claim and they sent a copy of a bill with handwritten modifications dated XXXX. I have made several disputes of this bill. XXXX XXXX XXXX now has account # XXXX for {$420.00} dated XXXX. I have disputed this. Dynamic Recovery Solutions account # XXXX {$420.00} is acting for XXXX XXXX XXXX dated XX/XX/XXXX. today I talked with XXXX XXXX at Dynamic Recovery Solutions XXXX, she said I would receive media. I do n't understand that.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (OH)

I was issued a SYNCB/SAMS CLUB DUAL CARD # XXXX on XX/XX/XXXX. On that day I charged {$140.00} on that card. I never received a bill from SYNC/SAMS. The first letter I received with my balance and interest and fees was from XXXX. My bill at that time ( early XX/XX/XXXX ) was {$170.00}. I immediately visited the customer service department at XXXX 's in XXXX, Ohio to complain about the process stated above and the new balance. Although the agent from Sam 's made several attempts to permit me to pay my bill without fees, she was unsuccessful. She informed me that the reason I never received a bill was that SYNCB did not include my suite number on the bills, and the post office returned the bills to them. Subsequently I had conversations with representatives from XXXX offering to merely pay my original {$140.00} and none were able to accept my offer. I informed them that my offer seemed reasonable under the circumstances, and I would write a check immediately if my offer was approved. In the spring I attempted to purchase a dishwasher and was denied credit. This is the first time in my life I have ever been denied credit. On every prior occasion I was told that my credit score put me in the best range which permitted the lowest interest rate. Prior to this event the longest period of time that I have missed a payment has been one month, and this has occurred about 5 times in the past 45 years. I finally spoke to an agent at XXXX who thought my offer to pay {$140.00} was most reasonable, and I mailed a check to them for that amount. I have a letter from them dated XX/XX/XXXX stating that my account has been settled. However my monthly XXXX statement has a credit report that indicates that my credit continues to be in the poor range ( some lenders may issue credit ). 
I am looking for resolution from SYNCB/SAMS CLUB DUAL CARD. I am asking that they not only request that my delinquency be removed as an adverse account from all credit reporting agencies and that they also contact XXXX and ask them to do likewise. I hope that satisfying these requests will restore my credit to previous levels entitling me not only to credit but to the best interest rates available.
Consumer complaint received 2016-05-16
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC. (UT)

I received a letter of Loan Forgiveness from EZCORP for a loan that was taken out in 2012. This loan was included in a Chapter XXXX Bankruptcy. I have received several calls from them and collectors trying to still collect on this loan. I have advised them on several occasions that this loan had been discharged on the ChXXXX Bankruptcy. They assured me that it was n't them that was trying to contact me on this loan. Now I receive a XXXX for this loan. The problem is that this information is supplied to the IRS as additional income. This would be correct if it was a loan that I defaulted on and did n't include in the Bankruptcy. Now the IRS is showing that I have an increase in my income by {$1900.00}. This is incorrect. What are my rights and options to get this taken care of? I have tried to contact EZCORP in regards to this, but I can not get through on their phone lines. I even asked them to contact my attorney but they never did.
Consumer complaint received 2016-11-21
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (NJ)

I requested a Home Equity Line of Credit on our fully-owned ( no liens ) residential property assessed at {$310000.00} ( by the Loan issuer ). After fully completing the application process, including assessment of the property, and providing all requested documentation, the lender ( PNC Bank ) stated ( via telephone contact on XXXX/XXXX/2016 ) that they would issue me a {$75000.00} line-of-credit ( at approx.3 % rate ) but ONLY if they could assume our only other debt -- a ( {$7000.00} balance ) car loan with a competing bank ( XXXX. ) -- which was financed at a 0.9 % rate. They claimed this was required due to " debt-to-income ratio ''. Question : how does paying this lender MORE for an outstanding car loan at a HIGHER interest rate " improve '' our overall debt-to-income ratio? ( In essence, it really sounds like this lender is simply trying to pressure me into moving other debt to their bank, and pay a higher interest rate. )
Consumer complaint received 2016-09-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I filed bankruptcy in XX/XX/XXXX ; my car loan through Santander from XX/XX/XXXX was included in the bankruptcy. The debts were consolidated, and I applied for a car loan again through Santander to begin working on my credit. We successfully discharged our bankruptcy XX/XX/XXXX ; however, Santander locked me out of my online account for my NEW car loan, and stopped sending me bills. The only way I can pay is to call them ; this good credit also does NOT appear on my credit report at all. I 've called three times, and my bankruptcy law firm has called once, but the company says it is up to them whether to send information to credit agencies or not. I think they are confused as to which account I am referencing. I am not sure what to do ; I am currently sending a certified letter, but other than that I do not know what to do. I wanted this loan to help my credit. 
Thank you, XXXX XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Home Point Financial Corporation (CA)

XXXX/XXXX/16, I started a refinance loan with, XXXX XXXX financial, XXXX XXXX XXXX CA. Within the first month of processing : the appraisal, credit qualification, application and pest inspection was completed. XXXX, I was asked for a military document that does n't exist, fortunately with the assistance of XXXX XXXX military personnel-I was able to prove my eligibility. 81 days later, I have not received any communication except " Required Disclosure Requirements '' must be met first before this loan can close. I believe that my file is being held until the rates change and then my loan will be charged an higher interest rate.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Andreu, Palma & Andreu, PL (FL)

I was notified by job that a garnishment order was put in affect to start garnishing my XX/XX/XXXX paycheck. I contacted the collection agency who informed me that there was a credit card issued to me in XX/XX/XXXX. I ask for the credit card account number which they could n't provide to me all they had was a validation letter from a judge in Georgia. So I contacted that clerk office in Georgia who notified me that the account was closed XX/XX/XXXX for a court order to collect garnishment. I also ask them to provide me with the credit card account number and they were unable to. This collection agency has been garnishing my wages since XX/XX/XXXX. On XX/XX/XXXX I received a certificate of clerk dissolving writ of garnishment pursuant to section 77.041 ( 3 ), XXXX My job notified me that I will get all wages back on my next paycheck. I was treated so unfair with the collection agency I explained to them that I never had a credit card with XXXX XXXX are XXXX bank by the way the credit is for a XXXX XXXX my name is XXXX XXXX wrong spelling. Can please get advise on what steps I should take next to get this resolved with the collection who garnished my wages without any proof this credit card was in my name.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is XXXX, XXXX XXXX XXXX XXXX in XXXX.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion had a glitch in their system that violated the rights of consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I Was going through a divorce in 2011 and almost resources at the time had to go to my son XXXX XXXX XXXX at the time he was not doing to good at the time and my wife also commenced the divorce witch compounded his issues I had called GMAC LLC at the time and told theme I may be late on some payments they told me to stop making payments for 90 day so I could get a loan workout modification this went on for some time as they where soliciting me for a loan work out they where also conspiring to steal my home I also have evidence on there foreclosure documents they planted in the XXXX XXXX recorders office to commence the theft of my home or XXXX falsified/forged and tainted the title on the property they also never evicted us before sending in unknown strangers in our home before any trustee deed was ever recorded they claimed to be the new owners and have been busted by the city XXXX for changing my home from a XXXX bed XXXX bath to a XXXX bedroom XXXX bath with out permits and took out a pool permit win the home was still in my name I could no commence a legal action/proceeding at the time who I thought was the bank in my home at the time because again my son was having XXXX issues and other heath issues I was always in contact with the bank and in fact even though I was ordered to move out in XXXX 2011 so my son could stay in the home until the court proceeding was over and I thought the bank was going to give me a loan work out I was still able to pay almost XXXX a month for rent in a apartment and still made over a XXXX XXXX a year the bank lied to me and took my home from me and sold the home I believe to a insider for a lot less then my home was worth and went into my home illegally and took my life long positions and traumatized my son who I told the home would still be ours and myself they also slandered my credit witch kept me from owning a home for over years and they have not responded to me as required by law