davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

On XXXX XXXX XXXX I begin My Modification process with my servicer Carrington Mortgage, after I send the Modification packet the send missing items letter I send the items then the asks for my wife proof of occupancy and letter from my wife then they request proof of occupancy again I send tax returns then they send another missing items letter requesting proof of occupancy this time copy of her driver license, copy of her bank statements and copy of CT vehicle tax bill now today XXXX/XXXX/XXXX 7 months later they send they call me and tell me they need more proof of occupancy. I am sick with XXXX and this situation is getting me more sick I do n't want to loose my house and I need help.
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (PA)

I deposited a personal check into my checking account on XXXX XX/XX/2016. The check cleared the bank it was drawn on the next day, XXXX XX/XX/2016. XXXX I called my bank branch and inquired as to why the funds have not been released to my account and was told there was a hold on it and it would not be available until XXXX XX/XX/2016. When I questioned why I was told that I had an overdraft in XXXX and that is why. I have since got my statement from another business and they are scheduled to withdraw funds from my account. This will cause me an overdraft. The funds should be there as soon as that check cleared. Why should I have to pay a overdraft fee? They want to hold funds siting an overdraft from the month prior and cause me to have another possible overdraft??? Where does that make sense? The money is mine and should be in my account. The bank is Key Bank and the location is XXXX, PA
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (FL)

Discover It credit card advertisements indicate a 5 % cash back on gas purchases, restaurants, travel and more. When you fill out their application ( which requires ones Social Security number by the way ) and the switched, actual terms are reveled it is heavily restricted by month to certain retailers. This is blatant bait and switch.
Consumer complaint received 2016-04-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I received notice that I was going to be transferred to a new lender. At that point the lender told me I had 60 days to pay my mortgage. I received the information after calling about who the lender was what my new account number would be. The new lender acquired the loan after XX/XX/2016 although they told me my payment was due XX/XX/2016. I would like you to assist me with this matter. They say the mailed me my papers on XX/XX/2016, I have n't received them yet. They have n't contacted me and I have made contact with this company which the operator asked me before I could explain to her what was going on. Would I like to make a payment. I told her I want to see some paperwork before I give you anything.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ME)

I had full coverage insurance through progressive insurance company in XX/XX/XXXX. I was late in paying my XXXX XXXX bill and received a cancelation notice from them. I sent out the payment and after this received another notice that my policy was cancelled in XXXX. I got car insurance through another insurance agency for a cheaper rate. XXXX is demanding payment of {$160.00} for this account and put it in my credit report in XXXX XXXX. I paid my premiums through XX/XX/XXXX and did not make any more payments towards this policy due to the fact that they cancelled it.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I had student loans that defaulted. The loans were bought and transferred by several companies before they were rehabilitated. The original lender was XXXXBank XXXX. The loan was bought/transferred to the XXXX and then rehabilitated via XXXX. I disputed the information several times to Experian and they come back with it being validated even though I have provided information stating that the loans have been rehabilitated and derogatory information regarding the loans would be deleted. I have disputed the loan creditors ( XXXXBank XXXX ) with XXXX and the result was letters received stating that the information would be deleted from my credit report file. XXXX and XXXX have removed the information but Experian has not. Further, I was recently denied a mortgage because this information is listed as a serious delinquency on my XXXX Report. I want this information removed immediately. I have also disputed a line of credit from XXXX that I paid in full back in 2013 and a CFPB complaint with the company and it 's collector agreed to delete the information. Again Experian has not. This information needs to be removed immediately.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (IL)

Situation : I have has couple of Chase bank accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted Chase bank on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then Chase bank will collections called me, I explained the situation they noted the account. Then they sold the debt to XXXX, who seems to be very aggressive. Tried to sue me for all the accounts from Chase. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland XXXX started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then XXXX places to other bureaus. Then I need to complain there and get it removed. XXXX XXXX is like XXXX, once XXXX portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw XXXX only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the one that they are actively reporting after 6 months of re-investigation with no results : 1 ) Balance was positive XXXX 2 ) Charges were XXXX 3 ) In the end i was owning Chase bank XXXX 4 ) XXXX reports and demands for {$2500.00}
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had over paid on a Bank of America credit card that I had done once before and transferred the over payment back into my checking electronically ( from B of A to B of A ) however B of A decided to charge me a cash advance fee and charges on my own money. I Called B of A and complained to where they finally refunded the fees and said to call in next time and make the adjustment manually to avoid the charge. Well it happened again, I called in being bounced around until she would make the correction. I checked my account and the overstatement was gone from my credit card but no deposit to my checking. Called again and this time the customer service rep. said that for some reason there was a check drafted instead of the direct deposit being made. She stated the records indicated that it was to be a direct deposit as I had said and commented how dumb it would be for me to request a check just to put it right back into the bank, also I commented on how I would never do that because USPS and does n't always deliver the mail and quite often we never receive it. She claims she put a stop payment on the ghost check and made a request for the electronic deposit and would have her supervisor call me on Monday for verification of the deposit. This call was on Friday and I watched all weekend long for the cancelled check to show in the mail and /or the deposit to my checking. Come Monday I checked again and still no cancelled check, no deposit and no call from any body. So I placed another call to B of A and asked for a supervisor. This lady was no help at all. now she says that it could take up to 5 to 15 days for me to get my money. This is the last straw. If I messed around and played games with their money I would be charged penalties, fees and interest.I am on social security and have n't received a descent increase for the cost of living in a long time. I now want to charge them interest and late fees and damages. I 'm at risk now on being late with a payment or two because of their greed. I have told each and every person that I spoke to that the call is being recorded just as they record me. I am seeking help in this matter urgently. 
The option below dosent cover my situation. It 's Checking and credit card issues XXXX XXXX vs Bank of America
Consumer complaint received 2024-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX I transferred {$1700.00} from my XXXX savings account to my NFCU checking account. I mistakenly chose my NFCU account that had been closed XX/XX/XXXX. I immediately contacted both NFCU and XXXX. NFCU verified that the account had been closed and the {$1700.00} would go right back to XXXX. XXXX assisted in a dispute for me. Unfortunately the {$1700.00} did not go back to my XXXX account. After several calls to XXXX and in person meetings at NFCU, it was discovered that the {$1700.00} was sent to my ex-husband 's NFCU account. I had no association to this account at all. NFCU says XXXX made the mistake and XXXX claims the mistake was made by NFCU. The mistake was definitely not mine. NFCU says they have proof that the {$1700.00} was returned to XXXX, and XXXX sent it to my ex-husband 's account. XXXX sent NFCU an XXXX  stating the {$1700.00} was sent in error. XXXX contacted me XX/XX/XXXX and stated that the XXXX  they sent was a courtesy to me, that NFCU made the mistake.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MD)

XXXX XXXX, 2016 Dear Madam/Sir : I ( XXXX ) and my wife XXXX XXXX used credit cards issued by Citi cards. Citi bank and Citi cards closed our credit cards accounts without any reason. We have used the Citi credit cards for over 10 years and always paid the monthly payment on time. It is OK if they want to close our accounts. However, they removed all " cash rewards '' or " thank you points '' from the last statements of all our cards. This is unacceptable. We sent two letters to request for solving these issues. They responded that they can forfeit the " cash rewards '' or " thank you points '' upon closure. It is unfair. We are looking forward to getting helps or suggestions from you. We think there are maybe many other Citi cards clients were treated in the same way. We want you know these issues and help us to get necessary protection. 
I have enclosed copies of two statements ( last one and the last one having card reward value on it ) for each card, a letter from citi cards, two our letters to citi cards. 

Thank you for your attention on these issues, Sincerely, XXXX XXXX
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MS)

I 'm contacting you all again because I get the best and quick responses after doing so but here 's the conclusion to my last complaint. 
You are eligible for a reduced payment with Navient Recovery of {$50.00} a month. After the third qualifying payment, your interest rate would be reduced to 0.001 percent for the remainder of the repayment of your loan, as long as your payments are made in a timely matter each month. You are welcome to call Navient Recovery directly at XXXX to enroll in this program. 

Now during the confusion of the last situation I was told I could be re-entered back into the repayment program under the same interest rates. Now I 've been sent to a debt collection agency ( XXXX ), who contacted me today. It was told to me that my loan had n't been overdue long enough to be sent to collections and I began to make payments through Navient once again. Since the last case I 've made successful payments on time in which they are automatically debted from my account. Now I 'm being told that I have to deal with this collection agency and I 've made successful payments with no mention of this. I talked to the collection agency ( XXXX ) and they too were confused because I 've been making payments. Once again I feel like something is fishy again and I 'm going to be ignored or transferred several times. I contact you all for your help and if there 's nothing to be worried about then I will like to hear it from you all. 

Thanks, XXXX XXXX XXXX.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX XXXX is attempting to collect a debt for XXXX originally from HSBC that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in XXXX 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.
Consumer complaint received 2016-11-22
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NC)

REGARDING RESPONSE LETTERS XXXX, XXXX IN WHICH THE RESPONSES PROVIDED A COPY OF A HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT SHOWING AN ENDORSEMENT OF XXXX. 
I AM REQUESTING SPECIALIZED LOAN SERVICING FOR THE XXXX TO PROVIDE THE TIME/DATE/YEAR WHEN THIS COPY WAS ACQUIRED BY SPECIALIZED LOAN SERVICING. I AM STILL WAITING FOR THE NAME OF THE CUSTODIAN / NOTE HOLDER THAT IS HOLDING THE ORIGINAL NOTE TO BE IDENTIFIED FOR THIS LOAN PROVIDED BY SLS. SHOULD THE PERSON RECEIVING THIS BE UNABLE TO UNDERSTAND THE TWO REQUESTS PLEASE SEEK HELP FROM YOUR LEGAL DEPARTMENT.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SD)

I had a JPMorgan credit card account that was used for a business. The business was sold and I was not aware that any further charges would be coming through the card. The new owners of the business did not forward the account statement to me. I found out today that there were {$180.00} in charges on the account and they were reporting past due 60 days to the credit bureaus through an alert from XXXX. I immediately called Chase to pay the balance and try to clear up what happened. Chase had zero compassion for me -- even though I have never missed a payment, have always paid every bill on time and it was totally out of character for a payment to be past due. Chase did NOTHING to try to alert me to the fact that my account was not in good standing- they sent two statements. They said they fulfilled their minimum requirements by sending the statements. No phone calls, no emails, no additional ways to try to alert me that something was wrong with the account. The impact to me is huge. My credit score dropped from over XXXX to XXXX over this. The account will also show as closed by them. Chase is refusing any responsibility here- stating they did the minimum required. I feel like Chase should be able to recognize my excellent credit standing with them prior to this and realize that I need some help to avoid this huge impact to my credit score. Chase is not caring for their customer at all or showing any compassion for a simple oversight. The consequences to this far outweigh the mistake. I would like Chase to correct the credit reporting to show the account in good standing and also implement processes to recognize when additional reach outs to help their customers may be in order.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diaz & Associates, Inc. (NJ)

Ok so back in XXXX my identity was stolen when I lived in va. I made a police report. Let credit bureaus know what happened. I thought that fixed anything that would arise. I kept getting bills from XXXX saying I owed money. I called them and explained what happened. They wanted me to send them a copy of the police report and I did. So I was told it would be taken care of. XX/XX/XXXX I get a letter in the mail from diaz and associates  saying I owe XXXX  money! So I called them. They claimed they couldn't locate my file. So they dismissed it. Never got another letter til today. XX/XX/XXXX. This debt has never once been on my credit report. I've talked to XXXX  and they say I owe them nothing. But these debt collection companies say I owe money. I know that I don't. Someone used my social security number to order stuff from XXXX and it wasn't me. I shouldn't have to pay a debt that isn't mine. My credit is excellent. I have no missed payments on my credit cards. Why would I mess that up?
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I disputed a charge on my Bank of America credit card and provided copious documentation to support my dispute. BOA denied my dispute without requiring any information from the merchant OR providing me a valid reason why the documentation I provided was not sufficient. XX/XX/2016 I ordered an engraved cremation urn. Merchant engraved incorrectly. In my order I requested the name to be in ALL CAPITALS. Merchant did not do this. I initially tried to resolve with the merchant who refused to call me back or respond to emails, which necessitated the dispute. In my dispute I provided BOA a copy of my order which detailed the engraving request and pictures of the item received which CLEARLY show that the name was not engraved in all capitals. I also provided an outline of all my attempts to contact the merchant. BOA initially removed the credit card charge, but then requested that I find a third party expert to inspect the urn ( in person ) and provide written documentation to support my dispute. I responded to BOA, in writing, that this was not reasonable ( I did not know a local merchant who specialized in urns or who would be willing to get involved in my credit card dispute ). I outlined all of the documentation I had previously provided. I also asked BOA to provide me with the merchant 's response to my dispute, in addition to any documentation the Merchant was requested to provide to support that they fulfilled my order as requested ( to date, the Merchant still has not provided me with the item I ordered, for which I was charged {$140.00} ). Without any response to my written response/request for information, BOA arbitrarily denied my dispute. In summary, my complaint is that BOA did not demonstrate due diligence in their " investigation '' of my dispute. They totally disregarded the documentation I provided, they did not respond to MY request for information regarding their investigation of my dispute, they did not require the Merchant to provide documentation that my order was fulfilled as requested and overall did not protect my rights as their customer.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (CA)

XXXX XXXX, XXXX Consumer Financial Protection Bureau Mortgage payment assistance/Consumer Complaints RE : - incorrect mortgage principal balance and interest overpayment Dear Sir/Madam, Our mortgage principal balance is substantially incorrect. 
It is incorrect to approximately {$160000.00} over stated. 

We purchased our home in XXXX XXXX for {$160000.00}. We put {$27000.00} down payment. 
We have been paying on the mortgage for over 26 years. 
The principal balance on XXXX XXXX, XXXX was {$110000.00}. 
The current statement as of XXXX XXXX, XXXX shows our principal balance is {$250000.00}. 

The problem starts in XXXX XXXX, our mortgage was transferred to Ohio Savings in XXXX without our knowledge or approval. 
On the first mortgage statement that we received from Ohio savings on XXXX XXXX, XXXX the principal balance was {$280000.00} exactly. 
There is no honest reason the principle balance went from {$110000.00} in XXXX XXXX to exactly {$280000.00} in XXXX XXXX. 
We are aware of the mortgage scandal during these years and believe we are victims of this scandal. This is residue from that scandal and could be a rising class action problem to emerge. 
XXXX XXXX XXXX sold our mortgage to Ohio Savings for {$280000.00} or the person handling our transfer entered the wrong principal balance when setting up our account. 

On XXXX XXXX, XXXX I alerted a customer service rep at CitiMortgage by phone about this issue. They recommended that I to fax the paperwork to XXXX Research Department. I followed their instructions of faxing the paperwork that I have to XXXX Research department on XXXX XXXX, XXXX. I have not heard back from them regarding this issue. 
I am aware of the law that states the loan servicer is required to acknowledge my request within 20 days and XXXX has violated those rules. 
On XXXX XXXX, XXXX ( one week later ) I received an email from XXXX stating that our account is being transferred to another lender. The lender is XXXX XXXX XXXX. 

We have been overcharged and have been paying overcharges on our mortgage for over 12 years. 
According to my calculations our mortgage principal should be approximately {$54000.00}. 
And we have overpaid {$90000.00} in interest over the past 12 years. 
I am requesting your assistance in settling our mortgage overcharges/overpayments.