davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

I am requesting to file a formal complaint conserning my mortgage with Chase. 
In XX/XX/XXXX I filed a Chapter XXXX, payments started in XX/XX/XXXX the bankruptcy was approved in XX/XX/XXXX. Part of the chapter XXXX was that my mortgage would be paid In full and that chase would release the lean to my residence. 
XXXX XXXX all payments were completed for the chapter XXXX and discharged by the court. 
Since that time I have recieved several documents from Chase stating that I still owe a significant amount of money and the balance was different in each statement. 
While examining the document sent to me dated XXXX/XXXX/XXXX I noticed some strange calculations. 
Starting Date XXXX/XXXX/XXXX : Corporate advance Fee paid. {$4400.00} recieved. 
Unapplied funds {$5400.00} XXXX/XXXX/XXXX XXXX {$990.00} recieved Also XXXX/XXXX/XXXX Corporate advance fee {$480.00}. 
XXXX/XXXX/XXXX payment {$340.00} ( principal ) {$66.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX unapplied cash {$4400.00} XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$64.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$68.00} ( interest XXXX {$80.00} ( escrow ) I had also noticed an escrow overage also. 
As I was concerned about the a, pint of money that had been paid to a corporate advance fee, I called the number provided by Chase. I requested a detailed breakdown of the funds in question. 
On XXXX/XXXX/XXXX I recieved from chase a detailed breakdown of corporate advance fee. 
The breakdown was as follows : XXXX/XXXX/XXXX & XXXX cost of having a real estate broker determine value of property. 
XXXX/XXXX/XXXX {$10.00} cost of notice of sale that shows time of sale of the property. 
XXXX/XXXX/XXXX {$360.00} cost recovering a title guarantee at start of foreclosure. 
XXXX/XXXX/XXXX & XXXX cost of posting the notice of sale. 
XXXX/XXXX/XXXX {$320.00} cost of publishing the foreclosure in local paper. 
XXXX/XXXX/XXXX {$340.00} mailing cost incurred during the process. 
XXXX/XXXX/XXXX {$600.00} cost of providing by the trustee handeling the foreclosure. 
I was not aware of any of these issues and was already paying a chapter XXXX. None of the actions taken were legal. 
I also called Chase in refrence to the several notifications about delinquent payments and balances due. The chapter XXXX trustee had made all payments to chase per the court orders. 
When I called Chase I was told that I was 17 months behind delinquent.
Consumer complaint received 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

We filed bankruptcy in XX/XX/XXXX?? We included a home we have a mortgage with DiTech, so that we 're protected, but we continued to pay the mortgage & still pay every month. We did miss paying the tax payment in XX/XX/XXXX, and DiTech paid it & added it to our mortgage. 
DiTech continues to call us several times a day, morning, afternoon, or evening. I accidentally answered one of their calls & the man claimed we missed 2 payments -- which was totally false. I told him to stop calling us. They mail us certified return receipt mail. 

It 's just harassment, after harassment, after harassment. We assume it 's because they want to refi the mortgage so that it is no longer protected under bankruptcy. But I did tell them we plan to continue paying the monthly bill every month.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

A very long time ago, when banking with chase, I had given a teller money to pay off an credit card account. It was for around {$120.00} and I had much more than that in my checking.. however she did not apply the money there before I left for vacation.. and now many years later ( this happened 8 years ago ) it is showing up as a delinquent account on my report and caused me to get denied for something. This is extremely upsetting and I do not know what to do.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I submitted a response to Experian 's response, which did not address my complaint, to a Consumer Finance rep over the phone on XXXX XXXX but I could find my response online, it was not available. I called Consumer Finance to inform them it was not there and I was told it was and they would mail my response to me. I received it today and my response on XXXX XXXX is still not included. The only items showing XXXX XXXX is your automated Consumer Finance response at XXXX and the same automated response again at XXXX, your auto Consumer Finance response shows twice. Mine is not there. Was my response that i gave over the phone to your rep n XXXX XXXX not recorded and posted, please? 
Thank you.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I earned reward points on my XXXX XXXX XXXX Card. Those points became available on my account on XXXX XXXX. I applied for an XXXX XXXX XXXX card in XX/XX/XXXX. Because of Platinum card signup fraud, UNRELATED TO MY ACCOUNT, XXXX XXXX froze all of my reward points including those I had earned on my Gold card. I was not informed of this freeze. I did not receive any communication about it whatsoever -- no phone, emails or texts. I called XX/XX/XXXX to resolve this issue. The customer representative had told me that my points were frozen as of XXXX XXXX and my account was under review for 6-8 weeks beginning XXXX XXXX. I called again on XXXX XXXX to get a status check on the account review. This time the representative told me it is under review 6-8 weeks from XXXX XXXX, when I had called in. I called in again today, XXXX XXXX, and was told that I reached my spend threshold on XXXX XXXX and that my account would be under review for 6-8 weeks from XXXX XXXX. Every time I call in, they push my review out further and further. I am frustrated that 1. I was not informed that my points were frozen, 2. I can not get a straight answer of why my account is frozen and when to expect a resolution. 3. no where in my cardmember agreement does it say they can freeze points on an account unrelated to the one they are investigating and 4. the flight I needed to book with these points is no longer available. This is costly to me because I will have to book the ticket with cash ( which costs more ) and the seats are no long available so I will have to take an additional day off of work to travel.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

I faxed a dispute letter on XXXX XXXX 2016. I went to log on their dispute tracking system to find out that they never started an investigation the the inaccuracies on my credit file. I gave equifax ample time to complete an investigation and they disregarded my letter and are being very detrimental to the status of my credit file. This is not FCRA compliant. I know they received the fax because I was given a reply of successful completion of fax.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NV)

I paid my XX/XX/XXXX mortgage payment at Chase bank, XXXX XXXX XXXX XXXX, NV on XX/XX/2016. I called the automated system on XX/XX/XXXX & XX/XX/XXXX to make sure that payment had posted to my account. The payment was not there.I called the branch on XX/XX/XXXX and was told they could see my payment in the system, so I contacted the call center and was told the teller made an error, but my payment would be posted. I called back on Monday, XXXX XXXX and was told it would post by the end of the day. I called back on Tuesday and once again I was told it would post by the end of the day. On Wednesday I contacted the call center, asked for a manager, and spoke to someone that was extremely rude, she told me " humans make mistakes '', and then she hung up while I was still speaking. I called the branch manager, and was told she could n't get a response from anyone at the call center regarding the posting of my payment. 
She gave me the number for Corporate, but this is still unresolved. Where is that payment that I made on XXXX XXXX?
Consumer complaint received 2016-06-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management ( MCM ) has inaccurately been reporting an account to my consumer credit reports. I have contacted MCM multiple times via mail about this account 's invalid status. This account is far past the 7 year period allotted by the Fair Credit Reporting Act ( FCRA ). MCM is in violation of the FCRA by reporting an account past the given time period. I have also disputed this account through the credit reporting agencies to no avail. I respectfully request that this inaccurate tradeline be deleted from my credit reports.
Consumer complaint received 2016-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Moore Law Group (CA)

XXXX XXXX, XXXX and her law firm, XXXX XXXX XXXX are attempting to sue for " legal fees '' they claim where accrued while trying to collect on a debt for plaintiff, XXXX XXXX ( XXXX ). Originally, the debt went to collections in XX/XX/XXXX and was bought/transferred by several different agencies and attorneys over the years. XXXX purchased/acquired the debt recently from the Moore Law Group, and is now suing for legal fees, they say were ratcheted up while representing XXXX. XXXX did NOT hire Moore Group, according to the conversation I had with an XXXX representation, soem time ago. Neither firm is the original collector. XXXX recently subpoenaed my bank statements on XXXX/XXXX/XXXX in an effort to move forward on the phony suit. Her office is using predatory practices to obtain money from those who fell behind on their bills and found themselves in debt, years ago, when the economy fell. The debt is over 7 years old and the statute of limitations have passed for this debt. They have no right to collect on any fees and did not represent XXXX in any fashion.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion and XXXX have over XXXX accounts on my credit report that are over 7 years old including old car loans, student loans-one which is paid in full, credit cards from 1999 etc. I have requested them to be removed and was told they can be there for 10 years when the law states 7. I want a review of my credit report for their inaccuracies.
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

Upon opening a Citigold checking account with Citibank, I signed up for & confirmed enrollment in a XXXX XXXX XXXX promotion. The promotion would take up to 60 days to complete, and then another 90 days, maximum, to distribute the miles ( 150 days for both portions ). I signed up for the account on XXXX XXXX, 2016, so it has now been 174 days since I signed up for it. Now Citibank is saying it could be up to another 60 days to distribute the promotion, or may not even issue the promotion at all to me by retroactively deciding that I was not eligible, despite having previously confirmed my enrollment.
Consumer complaint received 2016-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Linebarger Gogggan Blair & Sampson LLP Depth collection claim that I owe XXXX XXXX {$220.00} which already been pain in full to sunpass from my debit card and I told them that already been paid they still want me to pay them regardless
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I made my XX/XX/XXXX payment plus extra in the amount of {$450.00} to Navient XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. The check was cashed on XXXX/XXXX/16. Navient Solutions has sent me a bill stating I am past due for my XX/XX/XXXX payment. When I called I was given an explanation routed to a supervisor, but disconnected twice before being speaking to the supervisor. After 1.5 hours of trying to call Navient, a supervisor finally called me back. She proceeded to give me a third explanation of what happened, which includes insisting I mailed my payment to an address other than the one above. Navient acknowledges receipt of my check and cashing my check, but because it was sent to another address for Navient, Navient is issuing a refund which will take 60 days to receive. Until then I am past due or I could give false testimony and claim I have a financial hardship and agree to pay any late fees and interest. I am a lawyer -- I will not give false testimony. I do n't know how the check could have been routed to an address I do n't even have.The first representative stated Navient re-routed it while the second representative and the supervisor insisted I mailed it to some address that I do n't have and both confirmed I had the correct address when I provided the address above. I do n't think my credit should suffer because of Navient 's incompetence.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (PA)

There 's a pass due medical collection on my credit report from XXXX hospital that I do n't remember so I called the hospital and there collection agencies and no one knows why it 's there cause no amount was showing get on anyone 's systems please take this off myour credit report
Consumer complaint received 2016-10-28
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc. (IL)

I 've been contacted about school debt. I was supposedly placed on a payment plan to pay this off from my checking account. This was suppose to start the month of XXXX. However, the money was never withdrawn and now the account is in collection. I would like to negotiate the account because I am in position to financially pay the amount in full. I 'm getting harassed by debt collectors all hours of the day. I provided them with my debit card number. I do n't know what to do.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA (PA)

I had a Kia Lease and turned the vehicle in several months early on XXXX/XXXX/2016, which was before my XX/XX/XXXX payment was due on XXXX/XXXX/2016. When I received my payoff statement from Kia, I contacted them on XXXX/XXXX/16 and spoke to XXXX to set up a payment arrangement. I agreed to pay {$250.00} that day and $ XXXX/mo after that. I asked her about any credit reporting that may be done and she assured me my credit would not be impacted. She also advised me that my account would be turned over to the Recovery Team in XX/XX/XXXX and they would be able to grant me an extension. On XXXX/XXXX/16 I pulled my XXXX credit report and saw that Kia had reported my XX/XX/XXXX payment as 30 days past due. I called Kia and spoke to XXXX who advised my account should not have been reported since my vehicle was turned in before the payment was due. She submitted a dispute and advised to allow 7-10 business days to resolve. I spoke to XXXX on XX/XX/XXXX who was unable to provide me any updates on my dispute and submitted a callback request for a supervisor to call me within 2 days. When I never received a call, I called on XX/XX/XXXX and spoke to XXXX XXXX, a supervisor in the Lease Ends department. XXXX confirmed that my vehicle had been turned in on XXXX/XXXX/16 and there was no reason my account should have been reported ; he said it was a system error. He advised that the correction had already been submitted to the credit bureaus and I would receive a letter in the mail verifying that. I also asked him about the Recovery Team and if I needed to speak to them to get an extension on my account. He placed me on hold and double-checked and assured me that I did not need to do anything further, just continue making my payments the way I had been. I then receive a letter on XXXX/XXXX/16 from XXXX, a third party collection company regarding my outstanding debt. I speak to XXXX at Kia on XXXX/XXXX/16 who assures me that the third party company is only brought in to help Kia with their collections and does not impact credit. She also advised that the decision on the credit dispute was a denial and I would have to send a written dispute in to the credit bureaus. She advised that I would need to talk to the Recovery Team regarding anything else. I spoke to XXXX on the Recovery Team who reassured me that my debt was not sold to XXXX and there is no credit impact. She could not provide an explanation as to why I was lied to by XXXX XXXX when I spoke to him on XXXX/XXXX/16, and advised me I would need to set up a new payment arrangement with XXXX. She also confirmed the denial on my request for the credit correction. She explained that the policy of Kia is that a written dispute is needed, regardless of who 's error caused the credit reporting. She refused to put me in touch with a supervisor at that time and promised a supervisor would call me by the end of today. It is now XXXX EST ( 20 minutes from their closing time ) and I have not heard from anyone.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (PA)

Both my husband and I have been put on XXXX in the past couple years, we lost a good portion of our income and are paying a outrageous amount for health insurance. We were in the process of getting a home modification loan through XXXX XXXX XXXX when they sold our loan to Seterus. We are behind our mortgage for the months of XXXX XXXX XXXX, we have been bombarded with foreclosure notices from both XXXX XXXX XXXX XXXX Seterus. We have researched the reputation of Seterus and it appears that loan modification loan approval rarely happens.We would like someone on our side, we ca n't afford a lawyer, but it would be nice to have someone watch and make sure we are n't taken advantage of and lose our home.
Consumer complaint received 2016-10-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (AZ)

My wife and I purchased our home at XXXX XXXX XXXX way XXXX, Arizona in XXXX of XXXX, being young parents we were excited to have been able to accomplish this goal. All was going perfect until around XXXX of XXXX, when our only family vehicle was stolen, at this point we missed a mortgage payment and planned to catch up as soon as possible. Regrettably in XXXX of XXXX we fell behind by 1 more payment due to some unplanned expenses. Still attempting to bring our loan current and keep our house while also minimizing damage to our credit we made sure the loan did not go past 59 days delinquent. Around XXXX of XXXX we received a letter from the lender advising that we needed to bring the loan fully current by making a full payment exceeding {$1700.00} dollars. They advised if we did not pay the full amount they would refuse our future payments. I did not know they could do this and at that point I called them and told them they could not, at which point they advised me they could. So I consulted family to see if they could help which they could not so the only option was to stop paying and plan for the worst. Around XXXX of XXXX we had received written and oral communication about a loan modification being offered to us as part of the making homes affordable program. As part of the program we were advised to make trial payments in the amount of {$600.00} which as agreed we did, this can be verified by reviewing the payment history letter Ocwen sent us on XXXX XXXX XXXX. We also to be safe made sure that when we had to sign and return forms we put them with our checks and mailed them together in the same envelope. During the trial period we received a letter, the letter advised us that the loan modification was cancelled as the bank did not receive the final signatures agreeing to the loan modification. I called the bank and requested an appeal immediately, pleading with them to review the issue advising that we sent everything requested and asking them logical questions like if I did not want to comply why did I send the loan modification payments as agreed. I also advised them that the signatures were with the checks sent to them. I was told that at that point no appeal would be allowed and that the house would go to a foreclosure auction in XXXX of XXXX. Having no funds for an attorney I thought hope was lost until I met a lady recently who advised me to start a complaint with the Arizona attorney general 's office, which brings us to this point. I am humbly requesting as a husband and father of XXXX kids who depend on me for your help in righting this great wrong.
Consumer complaint received 2016-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Choice Assets LLC. (PA)

keep getting calls debt collector people for ( XXXX XXXX ) a person I do not know. This has been going on for rover 5 years. Keep asking for information and the huge amount of call are an invasion of my privacy. I have asked how they keep got my name and number and they can not say.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: VANGUARD FUNDING LLC (NJ)

At closing there was a point added on to my mortgage for {$2000.00}. They said that I signed for it, and that they have proof that I signed for it. A point or any cost of a point was never discussed during the process of the loan. Throughout the loan process I had issues with the online disclosures that were sent to me, and I could not download the documents. At that time the mortgage representative said that he could handle the electronic signing of the disclosures if I provided him with my passwords, which I did, on 2 separate occasions. I had to redo my password the second time. When the CD was ready last week, I was again unable to access the document to sign or look at it.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (OH)

Letter received from AMSHER requesting a payment from a debt they say I owed, they are a collection firm. I sent a letter to AMSHER within the 30 day time period, requesting further validation of this alleged debt and received no response. I did see an entry on my credit report that this is listed as a collection.