davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (UT)

First Issue : Loan # with Chase XXXX the XXXX XXXX # IS XXXX. This is a Mortgage with Chase, which I believe has already been paid off through Securitization. Has is Mortgage or Note ever been Securitized. When original mortgage was done. The Note which is the Property of XXXX XXXX Not the banks. 
Second Issue : I have repeatedly asked that the sale date be removed because this is duel processing which is in violation of the HAMP ruled attached. This file is currently in review for a HAMP Modification with Chase and has an Escalation opened with chase and an office of the president file opened Sale date of XXXX/XXXX/2015 which is still open. 
Third issue : Single point of contact and request for Documents. XXXX XXXX has had XXXX. XXXX single points of contact and provided all doc 's requested in writing from chase. The main problem is that every time the file changes Single points of contact the information from the last Single point of contact seams to get lost and not forwarded to the new single point of contact.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

My names is XXXX XXXX recently i 've checked my credit report and came across XXXX inquiries about my score i 've checked on the inquiries and they have popped up coming from different states i 've never been too like XXXX XXXX and XXXX these inquiries are from XXXX XXXX XXXX, XXXXXXXX XXXX card i would really appreciate your help and assistance in taking care of these inquiries i am worried about my credit information so please help me figure out these situation.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (NY)

my daughter is only XXXX years old. 
She has already received scholarship notifications. My wife shredded them. 
My daughter knows how to use the internet, better than I can. Equifax does not answer the phone. I will mail photocopies of the documents you require, as well as attach them to what ever this is. Thank you
Consumer complaint received 2024-10-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (NY)

XX/XX/year> I received notice from Navy Federal Credit Union that a transaction was processed to XXXX XXXX  XXXX ( XXXX ) for {$200.00}. I originally came back from XXXX  around the XX/XX/year> to XXXX  and did a manual budget for next month. I entered the next bill Payments into online bill payments with NFCU for the XXXX of XXXX. I called the bank on the XXXX to ensure that this payment would be charged back and for them to check my payment history. Again, they told me to call XXXX XXXX. I called XXXX XXXX  and requested a charge back. They said this would take about 7-10 business days. I requested that they do not charge again. They stated they wouldnt. I called the bank and they did additional checks and balances to see if other devices had logged into the account. There was an XXXX  but she said that could have been my own XXXX  if I updated the software. We went Through the account to ensure there were no more transaction that were not dated correctly. On XXXX XXXX at XXXX I found another transaction that was dated for XXXX XXXX XXXX double transactions and I canceled it. I called NFCU fraud department and filed a complaint. She said there were no devices but my own that signed in. I explained that I changed my password for the XXXX and the Bank Login in hopes this would prevent someone from using my device to change transactions.This type of activity is in violation of 15 ISC 6923 part of rhe Graham Leach Bliley Act. Focusing on fraudulent access to financial information it includes provisions, making it illegal for individuals to access or disc Information from financial institutions under false pretenses. Additionally, the electron fund transfer act is designed to protect consumers who use electronic methods to transfer money. Banks must have clear procedures for unauthorized access to bank info and data modification.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I have applied to Wells Fargo on XXXX occasions for assistance with my Home Affordable Program Request. The first time when my wife passed away and now this year. This time over a years worth of documentation. I was never served that a foreclosure process was started even by the officer on the account. I was never given an option for a deed in lieu of foreclosure, a modification denial or approval which is illegal and of course now I have placed the property on the market for sale. Please assist and protect my rights that is afforded to every consumer.
Consumer complaint received 2015-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (AL)

I signed a lease with XXXX XXXX Apartments XXXX XXXX XXXX, XXXX and following that we were harassed by neighbors and maintenance crews due to my XXXX orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on XXXX XXXX, XXXX and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from XXXX XXXX XXXX in XXXX, Florida in the amount of {$2700.00}. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of {$2700.00}. It showed up on my credit report as a debt to original creditor in the amount of {$2700.00}. Later the original creditor employed FIDELITY XXXX in XXXX, California XXXX XXXX. XXXX XXXX XXXX, California XXXX / Telephone ( XXXX ) XXXX / Fax ( XXXX ) XXXX / XXXX XXXX XXXX - Legal Department EXT XXXX. 

My account was XXXX XXXX APARTMENTS / Account # XXXX XXXX XXXX, XXXX - The collection agency requested {$3500.00} to settle the debt of {$2700.00}. These funds had to be in their office same day XXXX/XXXX/XXXX to fullfill the case. On XXXX/XXXX/XXXX They demanded {$4200.00} to settle the exact same date PLUS interest of XXXX cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the {$2700.00}, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of {$1200.00} and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A XXXX HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. 

I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. 

Should you have any questions or need additional information, please contact me at the following : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX ( T XXXX XXXX
Consumer complaint received 2015-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/2015 I purchased a bed from XXXX 's XXXX. They got me their credit card from Wells Fargo bank and applied a {$450.00} charge to the card. 

On XX/XX/2015 they charged me another {$3800.00} This is a legitimate charge for the purchase of the bed on XX/XX/2015. 

On XXXX Wells Fargo charged me a late fee of {$26.00}. It had been less than a month since the purchase - and I had not received a statement. 

On XX/XX/2015 ( when reviewing my bills ) I found that I had been charged a late fee. I called Wells Fargo and was told that the late fee would be reversed. I also paid {$500.00} on the card balance and setup automatic payments so this would n't happen again. 

On XX/XX/2015, while checking my account, I found that the {$26.00} service fee was not reversed. I called Wells Fargo and was told that the service fee could not be waived and that the account was in collections! At that point I requested that the account be closed - which I was told was done. 

I then wrote to XXXX 's XXXX to complain about this, and the wrote to you. 

After sending this letter to you, I will pay off the full amount due to Wells Fargo.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (IL)

American Express had closed my account. It was sent to XXXX to handle my payment plan that started in XX/XX/XXXX and to end in a year, XX/XX/XXXX. Successful payments were made. For reasons unknown to me, and after calling on XXXX different occasions, I discovered that American Express contacted XXXX on XXXX XXXX to take my account back were they then sent it to collections. No one can tell me why this has happened since all of my payments since XXXX are current. American Express says they can not they me what happened though they are the ones that authorized the account to be returned to them and they all just refer me to the credit collectors. 
The credit collectors have no explanation except to say that American Express sent the account to them. This is means that American Express does know why and are lying to me, the consumer, when they say they do n't know. American Express violated the terms of my agreement with XXXX and made no effort to contact me when they sent it to another collection agency. American Express blamed it on the " system '' automatically sending it to collections although I was already working with another collection agency and had made successful payments with them. 
I just want to know why I was sent to another collection agency when I was already working with XXXX that was successfully withdrawing the agreed upon amount for six months to only have American Express violate the agreement I had.
Consumer complaint received 2015-09-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (PA)

On XXXX the XXXX I had {$40.00} in my checking account. They then proceeded to charge me a {$38.00} insufficient fund fees. 
This bank fee charge is funds money that I needed to by food to eat.. I am working very hard to better my situation, but the {$38.00} fee really hurts. the {$40.00} in my account was depleted in entirety by the {$38.00} bank fee. This fee was charged due to my only having {$40.00}. in my account and is a very unfair and large fee to charge.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

I was applying for an auto loan between numerous banks. Wells Fargo Dealer Services denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XXXX on XXXX XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**
Consumer complaint received 2015-09-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (MD)

In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (AZ)

Sometime during XX/XX/XXXX we opened a XXXX account through XXXX for medical services. Unfortunately, we could not afford to pay and defaulted on the account in XX/XX/XXXX. We are now being sued by Midland Funding , LLC, a collection agency, for the entire principal balance, interest, court costs, and attorney fees. We would like to know if we are entitled to a reimbursement pursuant to the Consent Order In the Matter of XXXX. We would also like to know if the collection agency has legal standing to sue us for the total amount of the debt, including interest. We have had a court mediation without any agreement for settlement so the case now moves to trial. Please also let us know where to find out if we are entitled to any reimbursement pursuant to the Consent Order. Thank you.
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank, the issuer of your XXXX Account account XXXX They increased my minimum pay from XXXX to XXXX and never informed me and the charged and charged ... ... I was paying 2 times per month still got late fees ... .I lloks as inpossible to pay!!! <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah XXXX
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (AE)

I purchased an airline ticket for XXXX in the amount of {$2100.00}. I was not allowed to board the plane to no fault of my own on the date of the trip. XXXX said I could use the ticket within a year. When I tried to use the ticket in XXXX, XXXX attempted to charge me an additional fee. I asked why this was the case and I was told they needed to research the situation and would get back with me but my seat was reserved and the price would not increase. I was never contacted after many attempts but I was emailed documentation showing I could bid to update this rain-check reservation trip into a business seat. I guessed the issue had been resolved but I had not contacted. When I tried to fly in XXXX I was again denied travel and I was given a vague response from the carrier as being confirmed but not reserved or vice versa. I had enough and I knew I had 6 months to open a dispute with American Express as I was getting nowhere with XXXX. I explained the situation in full to american express with documentation and I also explained that XXXX had been very unprofessional and unresponsive thus far and I would be surprised if American express would get anywhere as well with them in this matter. XXXX did not respond to AMEX and the credit card company proceeded to decline my dispute on these grounds alone. I immediately re disputed the charges with AMEX since the 6 month dispute window was close to having passed only to have them state that they may not succeed considering 6 months have now passed. My account has now been charged {$2100.00} for a ticket that was never honored to no fault of my own. I have also been told by AMEX to go back and try to talk to XXXX when they have had no success on XXXX separate occasions and I have had no success in doing so for months. I want a full refund. I will not be billed for a trip I did not receive when I have done nothing wrong.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FIRST REPUBLIC BANK (NY)

Our primary mortgage holder, First Republic Bank did not escrow our property taxes, they were our responsibility to pay. In XX/XX/XXXX, our property taxes were in arrears and First Republic paid the taxes that were due plus all current property taxes that were due. Now they decided to collect escrow for future taxes and also they wanted to be paid back within a year for the taxes they paid that were in arrears. Our mortgage payment went from {$1400.00} per month to {$3400.00} per month. Starting XX/XX/XXXX, the new amount was due and I paid XXXX, XXXX, XXXX and XXXX. After the XXXX payment I contacted the bank and to notify them of our situation. I stated that the new payment amount was unaffordable for us. I requested to have First Republic Bank modify the loan to make it more affordable for us, and their proposal dated XX/XX/XXXX was to collect interest only from XX/XX/XXXX and to list our home for sale on XX/XX/XXXX and all proceeds must be paid back by XX/XX/XXXX and the house should be sold by then as well. We declined this proposal and continued to ask for a more affordable approach to keep our home. We feel that First Republic Bank did not look at our situation after we submitted our income and expenses again with an accurate picture as to what we could afford. Their solution was to have us resume the new monthly payment of {$3400.00}, which we still can not afford. The Manager of Special Assets, in a phone conversation with myself stated that we can not afford our home, so we should sell it. After much back and forth, First Republic Bank is refusing, we feel, to make any attempt to give us an opportunity to remedy our situation.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST (MO)

The Bank of the West has the loan for my XXXX Dodge Challenger Rt. I sold it to a buyer from XXXX. The buyer sent a cashiers check to this bank in the amount of {$22000.00}. I owed approx. XXXX so the bank was to issue me a check for the difference. I called them to tell them the check would be coming and that I would not release the car until I received my part of the money. XXXX ( Manager ) stated that when I called the automated system and it stated the loan status as XXXX it would be ok to release the car to the buyer. On XXXX XXXX I called the system and my loan had a XXXX balance. On XXXX XXXX, 2015 I let the buyer have a tow company pick up the car, thinking I would be receiving my money soon. On XXXX XXXX, 2015 I had not received my check so I called The Bank of the West only to find out the cashier 's check they received was fraudulent as of XXXX XXXX, 2015. They did not notified me by phone or mail that my loan was still going to be due. They should not XXXX the loan out until 10 days or so have passed and the cashier 's check is cleared. I was paid ahead XXXX months so the payment is going to be due on XXXX XXXX, 2015. I refuse to pay them because it is their fault my car was stolen by deceit. I was trusting them to protect me. On XXXX XXXX, 2015 XXXX ( Manager ) called me and admitted that he told me it was ok to release the car when the automated system showed XXXX due and that he was sorry. He said he told me that as a courtesy. All these calls to The Bank of The West are recorded and I sent them the date and times of these conversations so they could review them, so they do have them on file. 
I hope you can help me in some way. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-04-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I applied for a credit XXXX account with my sister as cosigner for my dental work. I paid {$75.00} upfront and made my XXXX appointment. I had a {$5.00} copay which I paid and my dentist took XXXX. My next appointment he started a cleaning XXXX. My next appointment my dentist had left and they had me scheduled for XXXX XXXX that were n't ever discussed with a different dentist. They charged XXXX XXXX {$26000.00} for work they never did and {$500.00} for work I never had done. Now it is a XXXX bill. Please take this off my credit report.
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION (OK)

My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

There was wrongful foreclosure sale on my property ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX, XXXX, XXXX XXXX, XXXX, acted as the debt collector in this foreclosure. Ocwen Loan Servicing was servicing the loan, but are not the owners of the debt. Correspondence was sent to Ocwen Loan Servicing demanding validation for the debt. Ocwen Loan Servicing sent paperwork trying to validate the mortgage on the home, but was unable to validate the debt. Also the transfer or Assignment of Deed has signs of " robo-signing '' as well as incorrect information. Transfer of the mortgage has not been done correctly nor has the mortgage company validated the debt. Also there is an Affidavit of Fraud done that never got answered.