davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

Between XX/XX/XXXX and XX/XX/XXXX I filed a mortgage modification for my first mortgage. As my loan transferred from XXXX XXXX to Chase Bank for servicing, I was advised by the modification department of Chase Bank not to make any payments while the loan was going through the modification process. I was very uncomfortable with this arrangement, especially after receiving multiple letters concerning possible foreclosure. I called the modification each time I received XXXX of these letters. Throughout the three year process, I was contacted fairly frequently by many modification agents to have the information packet updated but ALL told me to save the money and not to make any payments until a decision was made. Whenever, I found an agent who would accept the payment, I made multiple payments. 

Since my I received the denial of mortgage modification in XX/XX/XXXX, I began making timely payments. In an effort to refinance my mortgage, I have asked Chase Bank to remove all the late payments from my credit report since they told me not to make any payments during the modification process. I have made this request repeatedly over the past three years. To-date Chase Bank continues to report that they have no agents that were telling consumers not to make payments during the modification process. I asked them to research the fact that I was probably late on my mortgage once before and after the modification process. I have also reported this problem to XXXX XXXX the owner of the loan but to date there has not been any resolution.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OH)

I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 

The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the XXXX days. 
Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX Banks XXXX XXXX Banks and XXXX XXXX XXXX XXXX BANK Banks and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Mortgage Reporters XXXX Mortgage Reporters XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXX MY NAME : XXXX XXXX XXXX
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been a Bank of America credit cardholder since XXXX. Over the past year or so, the budget has been tight but I have a promise to myself to never miss an obligation even a credit card payment. Bankruptcy has never been an option and will never been an option for me. Things are back on track however over the XXXX months I have been billed higher interest, late fees and annual fees. The interest I can live with ( but preferably at a lower rate ) but the late fees and annual fees have totaled over {$300.00} in unwaived fees ( {$370.00} total ). I am a decent customer and I just feel like these late fees and annual fees can bury you. I am hoping to have the {$300.00} as a courtesy for being a customer for exactly XXXX years now. Often when I finally get the money to make a payment its sometimes hours after the cutoff time. Sometimes so close to the deadline that the website is down for maintenance. I am just hoping you feel my pain and waive the {$300.00} for my straightforwardness. Thank you. Again I am back at work making even more money but the past XXXX month have been tough. At XXXX you do n't expect what happened to me but I am back on tack with a clean bill of health. Please understand. Thank you.
Consumer complaint received 2015-04-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My wallet was stolen or lost a couple of years ago and someone deposit fake checks into my account which resulted in a overdraft fee and closing off my account. I tried to explain to the bank that I was not at fault and I was the victim but they would n't listen. The XXXX reported me to chexsystems. I paid all the fees although I was n't responsible and still no help. I told them you have cameras in your banks if you look maybe you can catch the real the if now I ca n't have an account for seven years please help.
Consumer complaint received 2015-04-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TFS FINANCIAL CORPORATION (OH)

I filed bankruptcy, and was discharged under chapter XXXX, XXXX yrs ago. At that time I reaffirmed both my mortgage and home equity loan, and have been paying as agreed. XXXX companies have refused to report my payments on my credit report. My report states-account closed due to chapter XXXX. This is hurting my credit score tremendously.
Consumer complaint received 2015-04-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA.
Consumer complaint received 2015-04-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am having a permanent hard ship due to now only working part time and have not been able to afford the payments due to paying for food, utilities and mortgage, also I have a XXXX year old daughter and have to pay XXXX a month in day care. Due to numerous calls every day to the point of harassment causing me extreme stress, my daughters uncle offered to help me by loaning me the money to try to settle the debt. On XXXX XXXX 2015 I called and gave permission for them to discuss the matter with him they were not willing to consider the settlement we offered they only wanted full payment even with my permanent hardship. On XXXX XXXX 2015 we tried calling to work it out again and were told they settle accounts similar to mine but I do not qualify, when asked for the reason that others qualify and I do not even with a permanent hardship they refused to answer that question and would only say I do not. When asked to speak to someone that can explain the difference the capital one employee refused to transfer me and then said no one in capital one can approve a settlement not even the ceo.
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I disputed an account on my credit report with XXXX, because they have not been able to provide me with specific account information and violated the XXXX code by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. I had also provided Experian and XXXX with a copy of the letter stating they would remove the account from my credit report, yet they XXXX verified the information as correct. They did not even review the information that i added with my dispute. In additionXXXX has not followed through with their remedy. i have attached a copy of the letter.
Consumer complaint received 2015-04-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (MD)

I attended XXXX XXXX University. I thought I only borrowed federal loans for school, however, it looks like I borrowed a private school loan for 15,000 at 11 %. I began paying it because I started receiving the bill at my mothers house. Then I was going through a child support issue and I could not pay the bill. I asked to file for a forbearance and they said I could but a few days later the loan went into default. I called AES and they said the agent should have told me I needed to complete the form immediately. I tried calling the collection agency to create a payment plan and they refused. XXXX XXXX threatened to take my Mother 's house and her retirement. I called AES to have them release the contract and they could not find it. They had my birthday as XXXX when its in XXXX. Now I 'm thinking this might not be my loan. My XXXX XXXX loans were completed with federal loans. So now I 'm clueless because XXXX XXXX XXXX wants 23,000 dollars paid in full. I am a XXXX and do n't have that kind of money.
Consumer complaint received 2015-04-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I disputed an account on my credit report with Enhanced Recovery services, because they have not been able to provide me with specific account information and violated the my rights by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. After stating that they would remove the account, the account remained and was actually verified with the credit bureau. THIS IS ILLEGAL!! Enhanced recovery has not followed through with their remedy. i have attached a copy of the letter.
Consumer complaint received 2015-04-26
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Greene & Cooper Collections LLC (AZ)

I received a call on XXXX/XXXX/15 at XXXX from Greene & Cooper XXXX XXXX She asked me to verify my address etc. and then she told me she was calling to collect a debt that was established by the Law Offices of XXXX XXXX XXXX and that they took over the account. I told her that the the office of XXXX XXXX was notified by my attorney ( I have a letter dated XXXX XXXX, 2015 ) that he was handling the matter and that she just violated the FDCPA Act by contacting me directly instead of my attorney. She said I never notified them which is a diversion. They should know if they took over the account
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

On XXXX XXXX, XXXX, My family and I am in receipt of the proposed loan modification from Fay Servicing, which is my servicer and this was what they offered : they want me to come up with {$8600.00} up front, they are increasing my interest rate to XXXX percent and my payment is going to be bumped up to $ XXXX/month ( principal, interest, taxes and insurance ) and my trial payments period is going to be XXXX months before they permanently modify my loan and they want this documents to be signed and delivered in their office no later than on the XXXX XXXX, XXXX. If it goes beyond XXXX XXXX, they automatically continue with the forclosure. Now, please do n't get me wrong, I appreciate the opportunity to modify this loan but this was what I was originally paying XXXX : They asked {$0.00} upfront, I was originally paying a 2 and 1/4 percent interest, my payment was about {$1400.00} ( PITI ) for the next XXXX years and increasing very slightly after the XXXX year. XXXX only made me make XXXX months trial payments, before they permanently modified my mortgage. Now, we understand that we fell behind and got in trouble because of the garnishment of my wages from XXXX XXXX but this was not totally our fault. Since this was caused by our work furloughs imposed to us as state workers from XX/XX/XXXX to XX/XX/XXXX. This basically took about XXXX percent of our ( my wifeand I ) such that we fell behind some credit card bills and came back to haunt us in XX/XX/XXXX. 
If we had {$8600.00} to give up we would have gladly started paying this for our mortgage. We currently have XXXX kids in college we are trying to support and another XXXX in XXXX this XXXX XXXX and going to XXXX in the fall. We do not have that kind of cash nor do we have any other resources to pay this amount. My wife and I have our credit both shot and we also have to maintain a lot of old vehicles that are starting to conk out and appliances in our house we have been trying to nurse for we are unable to replace these at the moment. We want to keep our home but we will be unable to come up with {$8600.00} up front. We feel that Fay Servicing and XXXX XXXX, who is the owner of our mortgage, is trying to show in the surface that they are offering to modify the loan with very steep conditions and requirements but really the end result is a foreclosure
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (MD)

Quite simple:1. Amex canceled my company 's business card based on an assumption that they concede was in error. 
2. In canceling the card, the points associated with the card were forfeited. 
3. All attempts to remedy the issue with Amex failed. 
4. I was very reluctant to pay the balance because of the points that were forfeited and insisted that the points as well as the card be reinstated. Remember Amex admits that the original issue was due to an error on their part. 
5. In effort to resolve the issue, I agreed to continue to pay on the balance. 
6. The agreement would then require Amex to reinstate the card as well as the forfeited points. 
7. Although I continued to pay down the balance, Amex did not adhere to what was agreed. 
8. Consequently, Amex, although this was a business card, moved the balance of the business card to my personal credit profile as a delinquency/collection. 
9. This has resulted in a precipitous drop in my credit score. 
Note : As I remember, the relationship between Amex and myself spanned nearly 10 years if not longer without a single issue or late payment.
Consumer complaint received 2015-11-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (NY)

While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by XXXX XXXX XXXX. Thereafter, I personally contacted XXXX XXXX XXXX and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with XXXX XXXX XXXX. I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, XXXX XXXX XXXX recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

I was in a loan modification for two years made payments on time and they did an escrow analysis. My payments went up and I could not afford my payments so I filed a chapter XXXX and the bank foreclosed when I was in an active chapter XXXX.
Consumer complaint received 2015-04-27
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo did ilegal VA Home Modification False information they have sent letter after 4 years they had put XXXX XXXX XXXX XXXX XXXX XXXX Went Bankrupt XXXX when we were trying to do a Fair XXXX Home Modification.They made us look as though we were high credit risk Saying we went Bankrupt XXXX which we did not they held Security XXXX dollars.Everything was done Via mail, they were supposed to correct this we did go bankrupt XXXX we did not list are VA Home loan .Made all payments Lawyers told us XXXX you do not have to reaffirm loan.We made all payments XXXX XXXX was found to have XXXX XXXX .We were 1 month behind on mortgage Wells Fargo told us to stop making payments 3 months before they could do a Modification, they put we went bankrupt XXXX which we did not made us look like we had a high credit risk took Security Instrument.Lock are loan we could not get a lower rate.Thank You XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I received a loan modification from JP Morgan Chase XX/XX/2010 after I had been in a forebearance for 8 months and moved into a trial loan mod where I made all trial payments and was given a permanent loan mod XX/XX/2010. I continued to pay my loan mod after I had fully executed and sent back to Chase within their time period requested. However, 5 months later ( after I continued to pay Chase ) they claimed they did not receive in the time and reneged on the loan mod. However, I recently requested and finally received a copy of the loan mod ( I have been asking them for over 2 years ) that clearly shows that they did receive the mod in time. Chase got final judgement on my house on XX/XX/XXXX and now they send me a copy of the modification they reneged on. This clearly shows bad faith on their part. All I want to do is pay the agreed upon payment and stay in my home. Also it is ironic that I would FINALLY receive a copy of the loan mod 2 days later after the bank got final judgement on my house. I diligently did everything Chase requested me to do ( over and over again ) to obtain my modification only to have Chase reneg on it.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (IN)

So currently, I am having a problem with this company called Upgrade debit card, but its also Like a company as well, but they Offer check and savings accounts. So currently I have {$480.00} within my account, but Im unable to withdraw during the time of me trying to withdraw my money from my account the company suddenly Place my account on a suspension. I asked for the reason why for the suspension they were unable to provide me with any answer so I just requested for my money to be sent to me within the check, but they said they were unable to help me at the moment which is a lie
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Our client is the son and heir of his parents, who were the co-owners of their home in which our client is currently residing. His parents, who purchased their home in XXXX, recently passed away. Our client was the administrator of his mother 's estate, which was recently closed. He has contacted the servicer to request that he be allowed to assume the loan and to discuss his loss mitigation options. The servicer refused to communicate with either him or his brother, the only other heir and successor-in-interest, at all and quickly began foreclosure proceedings. The client has provided the servicer with copies of his parents ' death certificates, estate documents showing that he was the administrator of the estate and a written request that the servicer communicate with him. The servicer refused and stated via correspondence, that the client should contact " our customer directly for information or to be authorized to receive information on the account. '' As XXXX customers are XXXX, that is impossible for the client to do. The servicer has not acknowledged, in writing the notice of error that it was sent. The servicer 's refusal to speak to either of the heirs has caused them to incur additional arrearages, costs and the necessity of retaining an attorney. The client and his brother are the only successors-in-interest and wish to assume the loan and to be evaluated for loss mitigation, but have been unable to do so.
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I SEND A REQUEST TO EXPERIAN FOR A COPY OF MY CREDIT REPORT, THIS IS THE BUREAU I HAVE CHECKED FOR ANY INACCURATE INFORMATION THE FEWEST TIMES. AFTER REVIEWING MY CREDIT REPORT I NOTICED AND ACCOUNT ON MY REPORT UNDER THE NAME "XXXX" I HAVE NO IDEA WHAT THIS COMPANY DOES, NOR HAVE I EVER HAD AN ACCOUNT OR DONE BUSINESS WITH THEM.  IT IS LISTED AS A BUSINESS ACCOUNT, WHICH IS STRANGE BECAUSE I HAVE NEVER BEEN A BUSINESS OWNER.  I DISPUTING THE ACCOUNT, THINKING IT WAS A MIX UP AND WOULD BE REMOVED. I RECEIVED THE RESULTS OF MY DISPUTE TODAY. WITH THE ANSWER BEING "ACCOUNT REMAINS" I CALLED EXPERIAN  IMMEDIATELY AFTER SEEING THIS, AND ASKED THEM WHAT KIND OF INFORMATION DID THIS COMPANY PROVIDE THEM TO VERIFY THIS WAS MY ACCOUNT, THE ANSWER I RECEIVED WAS, WE CALLED AND THEY SAID IT WAS YOUR ACCOUNT?"  I FEEL LIKE EXPERIAN WAS LAZY, AND DID NOT COMPLETE ANY TYPE OF INVESTIGATION TO VERIFY THIS WAS MY ACCOUNT, THEY COULD NOT EVEN TELL ME THE BUSINESSES NAME THE ACCOUNT WAS SUPPOSEDLY OPENED UNDER! IF YOU COULD PLEASE DO WHAT YOU CAN, FOR EXPERIAN TO INVESTIGATE THIS AND COLLECT SOME KIND OF PROOF BECAUSE THIS IS NOT MY ACCOUNT.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (NC)

I AM RECIEVING PHONE CALLS AND EMAILS ABOUT ME OWING A DEBT AND WHICH I DISCOVERED THAT IT TO BE A FRAUD EVENT TO GET MONEY FROM MEFROM ME. THEY ARE GETTING MOST OF THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE THEY KNOW MY BANKING NAME, MY PAST EMPLOYER AND MY SOCIAL SECURITY NUMBER AND I WOULD LIKEFRO ALL THIS TO STOP.