davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

I own a  Chase Sapphire Reserve Card. I bo oked a flight, using the credit card and through the  Chase Travel Portal,  in   XXXX   XXXX  . I canceled said flight in   XXXX   XXXX  , and was refused a refund on my card. Instead, they said that they will hold the amount ( approx { $650.00} ) for me and I can use it to book travel again before   XXXX   XXXX  .      I tried using this balance on  XX/XX/XXXX . The agent confirmed that I have {$650.00} available to book travel, and said they would transfer me to the booking agent. At this point, I was put on hold for longer tha n 30mins and I  hung up. I called again and, this time, the agent refused to acknowledge my travel credit. I was again put on hold for longer than  20mins and I hung up.      I used the secure message center on Chase.com to have customer service act on this. First message was on  XX/XX/XXXX , and the response to this message can be briefly summarized as, 'Please call the  Travel Center, we  can not help with this '.     Since  XX/XX/XXXX , I have exchanged  5 me ssages and a phone call with   XXXX   XXXX    ( Senior Service Specialist ). Th e last exchange with  XXXX  was also unsatisfactory, since she essentially asked me to call the  Travel Services ag ain and refused to look into this any further. I agreed to call once more, giving  XXXX  a fair chance to resolve this.     On  XX/XX/XXXX  I called the Travel Portal again and asked for the Help Desk, as instructed by  XXXX   XXXX . After more than  25mins on hol d, I hung up again.     At this point, I have emailed, messaged, called and done everything else to try and fix this. I have lost money on travel, since I could n't use my credit to book another flight. I have also lost a lot of time and energy in pursuing this to no end.     Thanks and Regards
Consumer complaint received 2017-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a Multipl e Inquiry R emoval Letter by certified mail and the dispute was open on  XXXX   XXXX ,   XXXX  . I dispute d 1 inq uiry that were being reported inaccurately on my Transunion Credit Report. The dispute was open on  XXXX   XXXX ,   XXXX   and completed on  XXXX   XXXX ,   XXXX  . The request I submitted conta ined 1 hard inq uiry that was not factual and I received the response for the inquiry that read Inquiries listed on your credit report are a record of the companies that obtained your credit information. I am trying to see how a company was allowed to access my credit report without my permission. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for a hard inquiry that does not belong to me. I did not sign for anything. The inquiry does not belong to me. This is unfair practices by a credit reporting agency ( Transunion ) with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIGY USA CORP. (NY)

They enter a jugement against me and asking a marshal to garnish my pay.   Even thought the initial debt was {$3800.00} they put an interest of $  XXXX  which i s exorbitant and not fair.this is the only communication i receive from them.i also think the statue of the debt might be expire if its from   XXXX  .   I did ask them to send me the initial debt so i can see myself after i spoke with one of their people.   I would like to get help wiyb this matter.   I already check my credit report and can find anything from fleet bank.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (FL)

eviction statement on my credit tried disputing asking for valid proof or some sort of documentation to confirm this was an account that belonged to me back in  XXXX   XXXX  no documents received also went through collection  XXXX  to have information dispute still remains active on my account after 7 years per my credit report this have been on it since  XXXX  of  XXXX .    * Capstone Credit Ser vices #  XXXX  ( this is the name of the creditor. )
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Saturday XX/XX/XXXX {$1800.00} was stolen from me. I was walking in XXXX and three guys stopped me to talk about some basketball charity. I was going to walk away but they talked me into sending them money through XXXX. My face ID logged me into my bank of America app and they snatched my phone out of my hands and proceeded to withdrawl all the money from my checking account to theirs through XXXX. I had to fight to get my phone back but there was three of them and by the time I got my phone back they ran off and all the money was already withdrawn. 

Because it was a XXXX transfer the transaction was automatic. I told the police right after it happened, but as I was filling for fraud on the phone XXXX  got up from their spot and left. I reported that they didn't help me 10 days later to 3 other police officers while I was filing for a police report. 

Before I filed for the police report my fraud claim went through and was denied. BOFA said that I verified the transaction because of the verification number that's required when making the transaction and the fact that I didn't have enough evidence to prove that my phone was stolen. 

After I finally got the copy of my police report I sent the complaint number and pdf of the police report sent to me by a detective that was working to solve similar zelle scams. However they sent a letter to my home address stating that they could not give me back my money because I verified the transaction due to the vertification number. 

There's a couple errors in their judgement. When BOFA sends the verification number it's easily accessed because it shows up in the keyboard on top where the autocorrect function sits, so all the user has to do is press one extra button. Another flaw is the fact that my phone was unlocked and in the hands of the thief who was joined by two other men. They aruged I didn't have evidence, but I sent a whole police report to them which apparently wasn't good enough. 

The crime is considered grand larcency due to the amount that was stolen. I am a college student and all the money they took from me was from my first paycheck from my internship. I had less than XXXX dollars in my account before that paycheck. Becuase of what happened I've needed to pick up an extra job in order to recouperate my loss, and dealing with the whole situation has been very stress inducing during my upcoming school year. 

BOFA customer service also promised me they would follow up on me after 11-14 days of me reopening my case if they hadn't already solved my case and give me all the money that was stolen from me back in the form of credit. This never happened. 

To reiterate, here is a summary time line of what happened : 1. I got stolen from 2. I filed for fraud 3. My claim was denied 4. I filed a police report 5. I sent the police report 6. I wait for a few weeks 7. they deny my claim again
Consumer complaint received 2017-04-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

XXXX  applied for home modification f or 1 st mortgage thru GMAC. R eplied back stating we did not qualified because of Colorado Unemployment status. Instead offerred a Non Hamp Loan Modification Agreement with Debt Forgiveness o n 2nd mortgage also By GMAC. Reviewed agreement, specifically asked if this was a fixed rate interest of 1 percent for the life of the loan. Stated that we were confused because it para. 4 it   states " IF '' a step agreement then the below listed step schedule for increased interest would apply.  XXXX   XXXX  who was presenting the agreement to us stated " No it was not a step rate '' and referred us t o para. 4, 1st sententance that states this is a fixed rate of 1 percent for the life of the loan. If this was a step rate it would clearly state that this is a step rate agreement and the below listed schedule for interest rate increase would be followed. First time Ocwen tried t o increase my interest, I called Customer service and they agreed that this was not a step rate agreement and they would have it fixed. Now beginning in  XXXX  and contiuing to  XXXX  they have determined that the step rate schedule is implied and have raised my payments accordinly. Complaint s to Ocwen has resulted in customer service, their research dept, and Omsbudsman stating that para. 4 definitely states that this is a step rate agreement. That the word " IF '' implies this. No where in my agreement does it say that this is a step agreement or that the fixed rate is temporary for a short period of time. It states if and says it is a fixed rate for the life of the loan.It also states in para. 12 that there are no impied agreements by the lender unless written in this agreement. Ocwen keeps adding words in their r esponse that implies action other than what is written in plain english.
Consumer complaint received 2017-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

I am requesting you open an investigation on Ditech Financial LLC that used to be GREEN TREE LLC for the following reasons. I have sent numerous Fax letters requesting documentation of who the actual note holder of my mortgage. They have failed to provide me with the information .I have enclosed one of the fax letters I sent to Ditech Financial LLC in regards to this matter.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

Date XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : XXXX I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, XXXX XXXX XXXX Not only did they not Validate the debt but they did not respond within a sufficient amount of time.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

- On  XXXX   XXXX ,   XXXX   an over-payment of {$2700.00} was made to my  Chase United Explorer  Credit Card - On  XXXX   XXXX ,   XXXX   I requested a refund check in the amount of {$2700.00}. I was told  by Chase Custom er Service the check would be issued and I would receive it in  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to check on the status of the check. I was told the check had not been issued and that it would be issued, and I would receive it within  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to inquire on the whereabouts of the check. I was told it had been issued, mailed on  XXXX   XXXX ,   XXXX   and should be received in  1-2 days.     XXXX   XXXX   XXXX ,   XXXX   I called at close of business ( approx.   XXXX   XXXX    PDT )  as I had not yet received the refund check in the day 's mail. On this call I was told by the customer services representative that a total  of three ( 3 ) ch ecks had been issued on the following dates :  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX , respectively. Further, I was told that a fourth check would be issued and to expect that check within  7-10 b usiness days. During this call, while not understanding the logic nor rationale being presented to me, I decided to cancel the account to help expedite the receipt of the refund check.   - It appears that while Chase can accept my on-line payments withi n 1-3 business d ays, the reciprocal process is not available to its customers. I am left with the conclusion t hat Chase was delaying the refund in hope  that I would use the credit card and therefore lower the amount owed to me.   - Your help in this matter is greatly appreciated.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Transunion. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
Consumer complaint received 2017-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

XXXX   XXXX   XXXX   sold our HELOC to  Caliber Home  Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NV)

I have been requesting the Sun West Motg. Co to take off Mortg. Insurance premium as the ratio of residual loan and the house price satisfies the conditions. I have submitted the sale price of this complex to prove the facts. The Co is adamantly and unjustly collecting MIP every month.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BMO Bank, N.A. (WI)

After being a customer of  BMO 's for 8+ y ears, I had my first misstep. I have a checking account, savings account, overdraw line of credit and credit card through them. In  XXXX  of   XXXX  , I missed my first payments ever. It was an honest mistake, but I just forgot to pay the bill - a true human error. I was never called, emailed, texted or otherwise notified that I had missed a payment. I did n't realize that I had goofed until   XXXX   XXXX  , not BMO, let me know that I had missed a payment and my scored had dropped by  XXXX  points.     I called the company, apologized and admitted that it was a goof on my end but I also mentioned that I was never notified that I had an overdue payment. That helped nothing. They told me that there was nothing they could do to help me since it was " not their fault '' and that I could file a formal dispute.     Before filing the formal dispute, I went into a   BMO branch to explain to them what had happened. They seemed enthusiastic to help me since they could see that I had done business with them for so long, but I was also told by the manager of the branch that there was nothing she could do either and that I 'd have to follow up with the people who handled the credit cards directly. Needless to say, I filed a formal dispute with the credit card division within BMO and received response stating that the " information being disputed was verified as accurate and would not be changed. '' Document is attached.
I want to make it absolutely clear that I did not receive any communication whatsoever from BMO letting me know that my payment was overdue and I was at risk of a derogatory mark on my credit report. I think I received 1 voicemail from them after my credit report had already been hit. I never once asked that they refund me the late fees, I was perfectly willing to pay them. I only asked that they remove the derogatory remark from my credit report as I felt that there was something they could have done to help prevent the situation.
This all occurred after they completely wiped my credit card rewards with no warning. I would not recommend doing credit card business through BMO.   They have some serious work to do from a customer service perspective.
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NJ)

I leased a vehicle from   XXXX   XXXX   hyundai in  XXXX  of   XXXX   on or shortly after the  XX/XX/XXXX . I began having financial troubles with this lease and contacted them to see if I could get a later due date other than the  XX/XX/XXXX . They ( Hyundai motor finance ) suggested going back to the dealership and ask if they can draft another contract that reflect a later date and would go forward from there. After numerous payments in excess of monthly amount ( that I did not get a copy of ) {$570.00} is what I 'm told is my payment on the ( hyundai motor finance  App )  both copies of the lease that I have indicate different amounts. attached are numerous pictures of contracts due to the size of the forms and screen shots from the hyundai app.In essence the lease was told to me that changing the date is not likely and if it was the amount would be prorated indicating that I would have to pay more than already paid.Also paying for a maintenance contract ( was n't given  ) {$1500.00} and a service contract ( was n't given ) {$250 0.00} that i had a discussion with  XXXX   XXXX  after recieving her email regarding lease vehicle mileage. we spoke about the differences in lease contracts mentioned earlier and made copies that she was submitting to the general manager of  XXXX  hyundai who took over from  XXXX   XXXX  and lastly just yesterday service was told that the oil change was not covered with being told by finance rep  XXXX   XXXX  that I was only covered for  24,000  miles  ( n o contract given to reflect this information ) i.e servicecontract or maintenance contract. please feel at liberty to contact me for further information upon review of this compliant.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX I opened and account with Bank of America, from the get go I encountered problems, I didnt receive the debit card they sent me I called they said they cancelled that card and will Send me another, when I got that card I went to buy something at store the card was declined, I went to a atm and it went through, I pulled half of my balance from the {$150.00} I had in there and that was the only time I used that card, i tried to log in online to my account the app kept refusing my password I tried resetting my password it didnt work I called and the said it was reset but when I tried logging in again it kept rejecting me so I jus gave up on the account because its not my main account I jus wanted so privately save in it, I rearranged my room and thought I misplaced the card thinking I would eventually find it, but I came to realize I actually lost the card because I got a letter from the bank saying a checks were put into my account and was withdrawn in net jerseys now I have never been to New Jersey and they now saying one of the checks I need to pay back because the person did not authorize that check I called several times and spent several hours on the phone with the bank trying to sort this out the said the did an investigation and they Sen me photos and times of the withdrawals which none of the people in those pictures are me nor do I know anyone in those pictures I called again and spoke to their fraud checks department and the agent I spoke to told me I have nth to worry about because they would pay back the XXXX person from a check that was on hold in my account that I again knew nth about, now I got a next letter stating my account have been charged off and I will be reported to the check system and XXXX cant open another bank account anyway and thats jus crazy and wrong because I dont know about any of those transactions and withdrawals, obviously someone used my account to do their shady transactions, now they want me to pay for it, and I dont know anything about these Transactions, I need my name to be cleared from this I would deeply appreciate it, thank u.