davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

I have a mortgage with Chase Bank and every year I get a statement of Escrow Shortage, thus making my payments higher if I do n't pay the full amount. The shortage varies each year from over {$600.00} to {$900.00}. I am current on all my payments since two years ago. My home insurance only went up {$24.00} and property taxes {$8.00}. Also, Chase calculates or predicts what my shortage is going to be for the next year. Hopefully the attachments of documents I sent can be retrieve. As I was looking at my statements it seems like I am constantly being double charged. This has be going own with me every since my mortgage was turned over to Chase. I have had different mortgage companies and do not remember any escrow shortage. Sincerely, " Sick of the shortage!!! ''
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (RI)

I submitted a request on XXXX to have the PMI removed from my loan, since I am below 80 % LTV. I received a generic response about a week later, basically saying " we 'll get back to you '', but as of XXXX, still no answer. Since I went below 80 % LTV in XXXX, I 've made XXXX more mortgage payments including PMI.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

I received an email on XX/XX/year> from Ally Bank customer service requesting a phone call from me. I called but reached a recording stating customer service was closed due to weather, and I left a message with my phone number as instructed. On XX/XX/year>, I was locked out of my account when I tried to access it via mobile app. I tried again unsuccessfully and I received emails stating my password change attempt was unsuccessful. I have called numerous times and have reached the same recording regarding weather, and I have not been contacted by Ally Bank. As of XX/XX/year> I can not access my account.
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (UT)

I contacted Barclay 's bank in regards to them lowering my line of credit after I had made a large payment of {$3200.00}. I asked the representative ( XXXX XXXX ) if my line of credit could be re-evaluated and he stated " We can re-evaluate for some, but not others. '' This statement made me feel that Barclay 's is not lending fairly and consistently to all their card members. When I asked him why that was he just kept repeating the reasons of why my line of credit was lowered. I asked to speak to a supervisor and was transferred to ( XXXX ), when I asked XXXX why Barclay 's could reevaluate the line of credit for some but not others, her response and excuse for his statement was that " it may have been a language barrier due to XXXX being in the XXXX.
Consumer complaint received 2015-10-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

The day after making my payment in XXXX XXXX XXXX XXXX XXXX Chase began to make unusual actions in the account. On XXXX, XXXX, XXXX, XXXX, XXXX, and on XXXX a series of actions called Payment were performed but they were all at zero, so no effect was experienced. On XXXX the bank made " a payment ''. Not me, them. The took this from suspense. Then on XXXX they removed my XXXX payment to pay back the suspense. I was now 30 days late. On XXXX I made my payment with no knowledge of the above. They took this to pay for XXXX instead of XXXX. I soonreceived a confusing and terrifying chain of paperwork. XXXX, this was as medically damaging as it was confusing.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Empire Resolutions Group (FL)

XXXX XXXX called my son, who is in the military and was XXXX and told my son there was an urgent legal matter and that he needed to speak with me. Once my son confirmed that I was his mother XXXX then proceeded to tell that I needed to contact him. 
Then XXXX gave the company name as empire recovery solutions @ XXXXI am not past due, have any outstanding debt or nothing delinquent for 7 years or more and believe this to be a scam. 
I have received multiple calls, all hours, any day of the week from this number but I do n't know anyone in New York so I do not answer
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Excessive addresses listed. Only the following should be on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX I've been at this apartment complex since 2017. All others are obsolete. Please delete.
Consumer complaint received 2015-04-02
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Financial Solutions, LLC (MO)

On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX. 
On XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action. 
On XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX. 
I received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business. 
On XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (CA)

I had a XXXX in XX/XX/XXXX. had XXXX followed by XXXX & XXXX. By the time I was released to go back home some of the bills had already gone past due and were sent to collections. I have been fighting since then to get everything paid and my credit repaired. All that has been done except with Grant and Weber in XXXX, Ca. They refuse to give me an accounting and I wo n't pay until they do ( it 's about {$200.00} ) .But I am extremely unhappy with the unprofessional way they do business and resent my letter to them ( Certified ) and reported them to the California Bureau of Consumer Affairs XXXX They in turn referred me to the FTC who referred me to you.
Consumer complaint received 2015-05-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IL)

US Bank/US Bank Home Mortgage has been unwilling to work with me to modify the terms of my home loan. I have consistently submitted all paperwork requested, all to no avail. They constantly lose the documents I send ; send correspondence from all over the United States ( oftentimes, not to me ) ; no one can give me a status, stating instead that I am in " underwriting. '' You often do not get to speak with the same individual so you are made to feel like you are running in circles. I have been dealing with their unprofessionalism and do not care attitude since XX/XX/XXXX. It should not take 5 years to do a simple loan modification. I have explained to them that we are upside down on our mortgage, I have been unemployed since XX/XX/XXXX, and that my husband is a United States Veteran. I still can not and have not received any relief or any clear indication of what exactly it is they need from me.
Consumer complaint received 2015-06-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL (VA)

Called my employer and left messages on my employer 's voice mails stating this was a debt collection agency trying to get in touch with me about an unpaid debt. I was warned by my employer that they will not tolerate this kind of matter.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (AZ)

I have been getting hit with overdraft fees for the last three weeks but this weekend I got charged an auto loan payment that is usually due on the XXXX two days prior from its original withdrawal date causing my account to go into negative numbers. This has made me raise suspicion about the motives behind the transaction. I was not expecting the transaction that early so I did not have the funds available to meet the amount that was withdraw causing me to pay overdraft fees for big and small charges. I think it is very unfair how banks treat their costumers. I have tried getting those charges waived but the bank limits to only XXXX waived fees per 12 months. I think the creation of " pending transactions '' should be illegal and I also think banks should not limit the amount of waived overdraft fees to just XXXX. What about unfair transactions after those XXXX waived fees? My auto loan has always been withdraw at the XXXX of every month except last month and that is very strange and extremely unfair. I think the banks are still implementing illegal tactics and are still picking on low income costumers to create overdraft fees surges. Those practices should not be tolerated by regular people trying to make a living. I have already paid too much money on overdraft fees this month for small things like food and gas. Money that could have been better put to use on other things that are essential to everyday life.
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (RI)

I applied for a XXXX credit card. I was told I would receive XXXX points for signing up as long as I had note received a new card member bonus within the past 24 months as per the XXXX XXXX credit card website. I called and spoke to XXXX XXXX in the XXXX office. She was very rude and told me I did not qualify for this bonus even though all of the bonus parameters have been met. She was unable to explain to me why I would not receive my new car member bonus. I believe this is unfair advertising and marketing. i was promised one thing and it was not delivered.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

My son, XXXX XXXX XXXX who is now XXXX and soon to be XXXX has an incorrect negative report on his Experian Credit Report. This debt of {$89.00} was a debt of his parents, XXXX XXXX XXXX and XXXX XXXX XXXX which has long since been satisfied and quite honestly was sent to collections in error on the part of XXXX XXXX for XXXX XXXX XXXX. XXXX XX/XX/XXXX at age XXXX and at no time was he legally responsible for the many medical bills from this XXXX. XXXX XXXX wrongfully put this on his credit report and XXXX and I are disputing this. He 's had a rough go of it with XXXX more XXXX in XX/XX/XXXX and XXXX. He 's good and attending college now and starting off life with a negative on his credit report when he has n't even been able to establish any credit which is what he is working on. We would appreciate any and all you can do to expedite this as his parents are buried in medical debt, but he should not have to suffer from that. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

While reviewing my a XXXX, XXXX and XXXX that a collection notice was placed on my report. I attempted to contactXXXX and PORTFOLIO RECOVERY SERVICES, LLC, arguing that I dispute the validity of the debt without success. I personally contacted PORTFOLIO RECOVERY SERVICES, disputing the validity of the debt. I requested that they provide me with an original signed contract of obligation with the XXXX as a matter of law and PORTFOLIO RECOVERY ASSOCIATES has failed to do so but insist on continuing collection action that a s a direct result of ID THEFT and knowingly with intent to cause me economic harm placed collection status on my credit report making it very difficult to secure a meaningful job and obtain new credits. 
Upon belief and Information, this debt is/was as a direct result of ID THEFT, therefore, I`m not to be liable for the debt.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX item be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Consumer complaint received 2015-06-18
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Roquemore Holdings LLC (NC)

Roquemore and Roquemore has been contacting my family members and former in-laws regarding a debt that has been verified as fraudulent and removed from my credit report already. A number of years ago, a distant relative established an identity utilizing my middle and last names with alternative residence, identification, and social security information. He was then able to secure credit, a residence and even an on-going vehicle loan. I have worked diligently to have these items removed over the years. As often as I have been able to, I have contacted creditors to have statements and accounts forwarded to me for legal purposes and to contest debts. There is a fraud affidavit affixed to my credit report, as well as other protections to prevent new accounts from being established. Now Roquemore & Roquemore is calling threatening my family members and demanding that the location of a vehicle be disclosed. I reiterate that this is not my account, I do not possess this vehicle and we have no contact with the family member that committed the fraud. The fraudulent social security number ends in XXXX, which is NOT my social security number. When I attempted to call and explain this, the representative presumed that I was lying and became livid and started screaming. I asked that they provide me an address where I could submit proof of this being a case of fraud, yet she threatened that continued calls to my family, landlords, employers and the like would continue if I did not provide the vehicle. I have promptly called an attorney and had them to draft a cease and desist order. They ( Roquemore & Roquemore ) have made no efforts to validate this debt, or it would become blatantly obvious that they do not have my true social security number or name. The original creditor ( XXXX XXXX XXXX ) employed the same tactic of skip-tracing and attempted to add my full name and social security number to the account, which warranted the item being removed XXXX by the credit bureaus.
Consumer complaint received 2015-11-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX robo-called my number XXXX Sunday XXXX/XXXX/2015 indicating an attempt to collect a debt and directing me to call them. There are no outstanding debts whatsoever in my name. This action was in violation of numerous conditions of their XXXX/XXXX/2015 CFPB consent order ( XXXX ).
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (CT)

I have a prepaid debit card with rush card on XXXX XXXX there was supposed to be doing some kind of update to their system and it was only supposed to last a couple of hours here it is 13 days later I 've had XXXX pay checks deposited into this account and I can not access any of my money you call rush card to try to find out what 's going on your on hold for XXXX to XXXX hours once you finally get someone they tell you they ca n't help you because their system is down but most of the time you 're put on hold for XXXX to XXXX hours to pick up and then hang up on you I have changed my direct deposit so no more of my checks will be going into this account but I would like to have access to the money that is on the card now but I called on XXXX XXXX and that was my last straw the customer service rep told me that I should change my direct deposit which I kindly inform her that I already did that I just wanted to know when will I have access to the money that 's on the card right now she told me that it could be weeks before I will have access to that money this situation has caused me and my family unneeded stress in my life my landlord is threatening to evict me before the situation happened I was a little behind with my rent I made an agreement with my landlord I would pay him {$300.00} a week until I was caught up and he would n't evict me and I was doing that until this situation happened now I have missed XXXX payments and my landlord is threatening to evict me I 'm scared that by the time this whole situation is fixed me and my family will be in the streets every customer service rep for Rush card that I have spoken to I have explained the situation to them and they do n't care why they keep saying is they sorry they sorry me sorry I do n't want to hear sorry anymore I want my money how could this be legal that they can hold your money like this and a Rush Card representatives are telling people that the cards are working and that 's a lie my card has n't worked for over 13 days and counting at this point I feel no one at Rush Card cares about me and my family I have XXXX kids that depend on me where we supposed to go if my landlord evict us I hope you can help
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Name : XXXX XXXXBusiness : Mail Address:XXXX FL XXXX Phone : Other Phone : Email Address : XXXXXXXXINTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015XXXX XXXX FL , XXXX XXXXXXXXEmail : XXXXXXXXName/Firm/Company : Ocwen Loan ServicingSubject/Category : mortgage company wo n't return money for damages to houseStreet Address : XXXX FL XXXX XXXX XXXX : XXXXXXXXDate of Transaction : XXXX/XXXX/2015Amount Paid : XXXXXXXXQuestions/Comments : I had water damage in the home at the end of XXXX. XXXX XXXX, my insurancecompany sent me check which I had to send to Ocwen to sign. They returened onecheck and have kept the remaining checks. The mortgage is under my deceasedhusbands name and they refuse to talk to me or return the money. My husband wasa veteran and I receive spousal benefits. 
Before he passed he got a modification through IndyMac who in turn sold themortgage to Ocwen. He also filed bankruptcy and the house was outside of thebankruptcy. The bankruptcy will be final in XXXX. I am paying the mortgageand have been prior to his death. 
I am without a functional kitchen and XXXX bathrooms and powder room. 
I need Ocwen to release the money as soon as possible. They are withholding about {$80000.00} for the needed repairs. They told me to sign the checks and send it to them which was done. They refuse to talk to me even though my name is on the deed to the property. 
I have an attorney and they are not responding to her. 
I need immediate assistances.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (IL)

I contacted Synchrony Bank because I found out they charged me over {$200.00} in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the XXXX of the month instead of the XXXX. They only waived a couple of fees. I want the {$160.00} in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # XXXX has to be refunded the {$160.00} immediately.
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Re : Wells Fargo Mortgage Loan # XXXX XXXX XXXX : Chapter XXXX Case NO : XXXX Filed on XX/XX/2017 Dear XXXX XXXX, XXXX & XXXX XXXX : Your offices were notified via the attached XXXX XXXX, 2017 letter of a person frequently showing up at our door claiming to represent Wells Fargo Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX demanding we hand over the keys of the property. In each of the intimidating events the male person depicted in the attached photo taken on XXXX, 2017 between XXXX XXXX and XXXX from several video surveillance cameras angles, while attempted to forcefully and unlawfully access the property via the side-gate entrance and over the fence. When the individual was confronted and demanding he leave the property the person angrily replied, Today is Foreclosure Day, ( see attached Notice of Foreclosure Sale for XXXX XXXX, 2017 ) you can hand over the keys now, or I will be back with the sheriff this afternoon to kick your XXXX out.
Consumer complaint received 2015-06-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been constantly harassed on a debt I know I do n't owe, never heard of MCM collection, never have I agree of all the amounts fees of what I am being charge, this is an embarrassment on my part when I apply for credit. I need open doors and with this unverifiable debt its very disappointing and very stressful.
Consumer complaint received 2017-06-23
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: EQUIFAX, INC. (GA)

I do NOT have a signed contract nor any contract with XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.