davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MD)

on XXXX XXXX i had a XXXX and been put on long term XXXX.havent been able to work since then.have repeardly told walmart and synchrony bank i am on hardahip and not to call. they constantly call and block thier nemer and are very rude and use bank names i dont deal with they say its personal and the mlae that calls refuses to give his name i tell them not to call and explain why they dont listen or care they will geet a payment when i can this all started when i was a month late with them
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

We ( XXXX owners ) have tried to sell XXXX properties for about 10 years with no success the situation has become unmanageable, extremely stressful, and costly. There seemed to be no way out other than to do a short sale and take whatever the consequences may be. Started with a real estate agent and short sale company XXXX/XXXX/2014 buyers have been obtained and there are agreements of sale on both the properties, XXXX for 5 months and XXXX for ten months. The mortgage company continually asks for the same information all during these months with no progress and no resolution. We are now in jeopardy of losing the buyers XXXX of the buyers has extended at least 4 times ; XXXX XXXX is the expiration of both the agreements of sale. When our short sale company or myself tries to determine what the problem is no one seems to know. We have requested a conference call to get to the bottom of what is the problem, but we are getting no where with that request either. We are trying to avoid the foreclosure by bringing qualified buyers to the mortgage company that actually both the agreements are equal to or greater than the appraised value that the mortgage company has had them appraised recently. 10 months for XXXX property and 5 months for the other seems quite unreasonable to review these requests especially when they have been in receipt of all the requested documentation for months.
Consumer complaint received 2015-05-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (MD)

Dear Sir/Madam, I recently incurred multiple overdraft fees from PNC bank and it was clearly manipulated such that all checks " batched '' on the same day were ordered from " highest amount '' to " lowest amount '' in order to purposefully " cause '' multiple overdrafts. We 're looking to switch to another bank ... have been a loyal customer for XXXX years but this is extraordinarily unethical ... it borders on sinister and devious. Did I mess up? Absolutely. But had they ordered the checks lowest to highest, the overdraft WOULD NOT have been triggered until the very last check. Instead, I have XXXX or XXXX overdrafts as the largest check was intentionally processed first. Extremely angry in XXXX, MD. It may be legal, but it does n't make it right. Thanks for listening.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

Hi, I believe I am covered under the CFPB settlement with JP Morgan/Chase regarding Credit Card debt sold and filed as a suit between XXXX and XXXX. My credit card debt was sold by Chase to XXXX XXXX XXXX who filed suit in XXXX Court of Calitornia - XXXX XXXX XXXX Case # XXXX ) against me in XXXX. At the time of the suit it was time barred by over 1 year. The suit was filed XXXX XXXX, XXXX and the last activity on the card was XXXX XXXX. The suit went on for 3 years and 1 week before this settlement a judgement was entered against me for over {$19000.00}. The Judge ruled that Chase could n't produce a cardholder agreement and therefore the time bar ( 3 years from last charge ) could n't apply. I have read the CFPB settlement and my case fits the settlement. However, I have n't been able to locate a way to be included in the group. 
I am prepared to appeal the Judge ruling but given the outcome of this settlement believe JP Morgan is responsible.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (VA)

I received a letter from Synchrony Bank ( formerly GE Financial ). In the letter, it lists reasons why they reduced my credit limit such as number of times credit used in 12 months, number of months credit card has been opened, amount of payment to low over 12 months, and used too much of credit limit within 6 months. And, at least XXXX of these reasons are false. 

I called the phone number listed to obtain further clarification and dispute action. Initially, I was told to contact XXXX to get further clarification. After tell them, I knew my credit score. Then, I was told they have their only credit scoring. When I asks them for further details, I was told they do n't give out information about their scoring. I would also like to note : I have made more than the credit payment they required every month on time ; they lowered my credit limit so low that I would have went over the limit the next time a finance charge was assessed ; and over they past 6 months I had used less than 50 % of my credit limit.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

My mortgage company ( greentree services ) has been ripping us off. We bought our home in XX/XX/1999 at {$55000.00} with a 6.5 interest rate and 30yrs. They say we still owe {$44000.00}. When we looked at our account on their website it clearly shows they are charging us a 10 % finance charge. Our monthly mortgage is {$560.00}. {$310.00} go to interest fee and {$110.00} go towards our payment. Now I 'm not the smartest person but I do know that this is not right. What can we do because after living in the home for 15+ years they 're saying we still owe {$44000.00}. Please help us
Consumer complaint received 2015-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (MD)

Currently I bank with BB & T. I have had multiple issues with this bank. First issue I will like to bring attention to will be their false advertising. BB & T promotes that they are XXXX hours ( XXXX banking ) which is not true because if you deposit cash at the ATM after XXXX then it processes the next day. I complained to them about this because I think its unfair, but they said " its online banking that XXXX hrs ''. If thats the case, then why put it on the signs of BB & T. Also they charged me over draft fees, I did XXXX transactions that over drafted my account and they took XXXX fees.
Consumer complaint received 2015-06-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

A Western Union money transfer made while on vacation was not going to be collected by my receiver so I called WU for a refund. I explained to them that I will no longer be at the original location as it was a stop during a cruise. They informed me that they could instead send me a mailed refund check and said it would take 2 weeks to arrive. After 2 weeks I called to inquire why I had n't received anything and was told it had been sent to an incorrect address ( which later I was accused of giving a false address ). I was told my address was corrected and I would be sent a new one. During the next 2 months I did n't receive anything and called customer service multiple times to inquire. Each phone call resulted in my having to explain the entire situation over and over and each agent telling me they had to send a request for information about my check and requested I call back in 24-48 hours. And then I would find myself in the same situation with no information about where my money was. Finally I decided to call and request my money be sent to a local WU store to avoid mail checks that never arrived. When I requested this, again I was told " your request has been sent, please call back to check the status of your request. '' My final call yielded no results saying I had already been sent a check to an incorrect address that I provided and I would have to wait for a new request to process. My original refund request happened XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I have yet to receive my {$1900.00} USD that is STILL in Western Union possession.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

With reference to my complaint number XXXX, Ocwen stated they had corrected their mistake and placed my account in a current status. This is a FALSE AND MISLEADING STATEMENT. See the attached screenshot of todays date. When I log into their web site, it STILL indicates that my XX/XX/XXXX payment has not been made. Additionally, the web site is trying to require me to make BOTH THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS PLUS PENALITIES PLUS A {$10.00} EXPEDITED PAYMENT FEE. I have called Ocwen and emailed BOTH the ombudsmans office and customer service, and have received NO REPLY. I believe that Ocwen is preventing me from using their web site in retribution for me filing complaints with Consumerfinance.gov.
Consumer complaint received 2016-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/16, I became aware of an egregious violation of my personal and financial privacy at the hands of JP Morgan Chase Bank. I was informed by an individual that was not myself or Chase Bank that my individual checking account was appearing on monthly statements for an individual that was not on that account. I am on a checking account and a savings account with my mother, and those accounts receive monthly statements at the mailing address that we share. 
These statements are addressed to XXXX us since we are XXXX on the accounts. 
However, the most recent statement also included my individual checking account which XXXX is not on as well as a summary of my individual credit card which XXXX is not on. Since the statements were addressed to both of us, this would imply that we are XXXX authorized to view the information on all of the accounts, but this is not accurate. This was troubling as my mother is not authorized to receive any financial information relating to the credit card account or the XXXX XXXX XXXX Account in my name. 

XXXX the aforementioned individual accounts were set up at a Chase branch. During the account set up, my mother was not present, nor was she ever brought up during the account creation process, so I had no reason to expect this egregious violation to occur. Further, the credit card was opened with my social security number, not her 's. None of the paperwork for either account featured her name or any indication she was on the account since she is not. 
My mother called me to inform me that she received the statements and saw my financial information, and that she had called in to Chase to inquire about them she originally believed them to be fraudulent since she did not recognize making them, and she was given information about the transactions including the name of the person who made the purchases. She is not on the account and should not have received any information about those transactions, yet she was provided with detailed information. Yet another egregious violation of my personal and financial privacy.
Consumer complaint received 2015-05-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I have had ongoing issues with HFC and they remain unresolved : 1. I am on a approved temporary modification and applied for a permanent modification. I have been denied even after my appeal. The reason HFC gives is my income is too high. It is the same income that they used to approve my modification in XXXX. I followed the appeal process and asked for the real reasons for denial. I was provided nothing! Just the same baseless reason of income. 
2. I requested on XXXX XXXX, XXXX a complete printout of my payment history since the inception of my loan. I requested this as I was to see how my payments have been applied. I have over {$15000.00} in deferred interest and I want to verify how that balance came to be so high. I have still as of today not received my payment history request. I have made this same request of other lenders and they provide the request within a few days with no issue. 
3. I received in the mail the other day a corrected XXXX Interest statement form from HFC. This is XXXX XXXX and they send me a corrected interest statement stating " NO INTEREST PAID IN XXXX. '' How could I have paid no interest? I am on a loan modification with a 2 % interest rate. My payments were spread between interest and principal. I have already filed my taxes and now out of the blue I get a corrected XXXX? There is no letter or explanation for this corrected tax form. 
4. Since I requested the payment history once again my account is locked. I ca n't see what I owe. I have not received a bill for XXXX XXXX. I do n't understand why when I request something my account is instantly locked? I have received no phone calls and still after 74 days not a simple payment history. I am requesting the payment history so I can have it reviewed by a professional. I do not trust that HFC has acted in a honest manner with my account. If there was nothing to be found then why does it take 74 days and counting for a payment history? Why do I receive in the mail a corrected XXXX? 
5. I have not received a bill from HFC for this month ( XXXX XXXX ). My account is locked so I ca n't view the bill and no bill has been mailed? 
6. Every dealing I have had with HFC/Beneficial/HSBC or whoever they are has been just like this. They appear to be able to do whatever they please with no regard for the consumer and what it is like to be on the receiving end of this constant, never ending harassment. 
I trust that eventually my cries for justice will be heard.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc. (TX)

They call repeatedly giving me false answers to my questions below is the timeline just over the past XXXX weeks-Talked to a rep on XXXX said they called the creditor and they said they would settle for XXXX and said my credit report will show PIF but the creditor will not agree to remove it off my credit and will remain on there till date expected to be removed unless I pay full amount. I asked my credit counselor if this was the best thing to do she said no not to pay it unless they agree to remove it completely. 
Talked to a rep asha on XXXX told them about the conversation I had with the other rep and told them what my counsel had told me and they said let me place u on hold to ask my supervisor to make sure the debt can be removed got back on the phone and stated supervisor approved for her to put a note on the account about the deletion told her before we proceed I need that in writing said she would email a document over to me and call me back the call was at XXXX per phone records. I never received the documentation via email. Called asha back at XXXX stating I have not received the document no answer left a message. Called me back at XXXX left me a VM saying she needed more information from me before she sends the letter. XXXX called me saying he was the operations manager and to call him back called back spoke to him he said they do not do settlement offers like that and they wo n't be able to delete it unless I paid the full amount. I became frustrated at him since I clearly was n't told that not even an hour before said that he would call the creditor and ask. Never called back.
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Paypal Holdings, Inc (PA)

Received a call from a person representing PayPal Credit. Was immediately attacked by the representative about the number of voicemails they have left on my phone, at which time I notified her that was impossible as my phone does not have voicemail set up. Which she then acknowledgeed that I was correct. She continued to explain that payment has not been made for XXXX or something to that affect and at XXXX today they would be taking legal action, if I did not make a payment " right now. '' I informed her that my wife handles the account, at which poinnt she stated rather aggressively, " WELL IT DOESN '' T APPEAR ANYONE IS HANDLING THE ACCOUNT! '' I told her if she continued to talk to me in this fashion I would be hanging up, at which point she appeared to be gearing up for another round of attack and I hung up on her. This all occurred at about XXXX on XXXX.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (WA)

On XXXX XXXX, 2015 my Paypal account was charged {$29.00} by a company called XXXX. I have spoken to both XXXX and Paypal concerning the charges. After neither XXXX or Paypal could tell me exactly what the charges were for, I reported the items as fraud to Paypal. I received a letter today from Paypal claiming the charges are legitimate -- So I called them again and they are still unable to verify exactly what it is that I have been charged for. Thus, I think there " debt '' collection practices deserve a little scrutiny. Charging people for unknown items they clearly did not receive would appear to be an illegal practice. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

My ex husband and I had a finalized divorce in XX/XX/XXXX. Before that I was not living in the home since XX/XX/XXXX. XXXX XXXX XXXX was our mortgage lender and because my ex husband got behind on payments Selene Finance bought the mortgage. In our divorce agreement I was to get a quit claim deed and my ex was supposed to submit that to have the mortgage refinanced and taken out of my name. Well because he was behind on payments, and I have proof I was n't in the home since XX/XX/XXXX, the modification did n't go through with XXXX XXXX XXXX. Selene Financial bought the mortgage and keep giving us the run around. My name is still on the mortgage, therefore, causing my credit to plummet. I have contacted them and they have tried to now give me information but when I threatened them with a lawyer then they keep sending the same messages about the modification was denied and they will resubmit. Needless to say my ex has n't made payments on the home since XX/XX/XXXX!!!!!!!! This is very upsetting to me and I am ready to get some justice, get this house out of my name, and move on with my life. I am contacting you for help. Please help me in any way you can. Thank you!
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Messerli & Kramer P.A. (MN)

In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law.
Consumer complaint received 2015-10-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CONDOR CAPITAL CORP (CT)

I had a car loan with Condor Capital Corp since 2012. Occasionally I paid my loan late but I was never late more than one month. By court order Condor Capital has been dissolved and my loan ended up in hands of ... That the problem. I do n't know who my current lender is. Condor 's website redirects me to blank, generic log in info. When I log in with my previous credentials I see my personal information but under account information there always is message : '' No accounts available to view ''. 
I repeatedly send emails to contact info and made multiple phone calls ( XXXX ) always answered by voicemail. Except XXXX generic response via email, none of my request was answered, including multiple requests for payoff statement. I mailed XXXX payment to XXXX XXXX XXXX under " Contact Us '' info ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). My check was cashed within 4 days of mailing form XXXX. There was no endorsement on the back and still no response regarding any statement, balance, account information. 
I really do n't know what to do at this point. I have no problem with paying for my car but since Condor Capital was shut down for defrauding its customers, I refuse to make any further payments without being able to oversee that the payments are being applied correctly and my balance is where it should after 3 years of payments. 
I would really appreciate your advice and help in this matter.
Consumer complaint received 2015-05-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have had a reduction in Income over the past seven years and have fallen 23 months behind on my equity line of Credit with Bank of America. I expect to earn XXXX XXXX by XX/XX/XXXX and would be able to pay the 23 months of overdue payments to Bank of America and have requested they postpone the foreclose to avoid any additional legal fees and expense being added to the reinstatement amount. So far they have refused to place the foreclosure on hold. I spoke with the law firm and they have not filed with XXXX County Supreme Court as of todays date XXXX/XXXX/2015.