davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

My sister was alerted via mail by Chase Bank that they were closing several of her accounts established during her childhood XX/XX/XXXX at what was then Bank One in XXXX. 

I have similar accounts and did not get such a letter. 

She immediately went to a Chase Bank branch in XXXX, Texas to get a cashier 's check to close her accounts. She then phoned me and encouraged me to do the same thing. 

That same day I went into a Chase Bank branch in XXXX XXXX, California to ask for the money in my account. The banker manager started the process and then said we needed to call a Chase Bank corporate phone line. 

The representative at the phone center said that because there was 'fraudulent activity ' on the account I could n't make a withdrawal. 

They then said a check was to be issued on XX/XX/XXXX that would be mailed to me for the balance in the account. 

To this day, now many weeks after going into the bank and being promised my money, I have not received a check and I do n't believe that it was ever issued. 

I am beyond upset about this treatment and need your help in getting my money back.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (FL)

An amazon J.P. Morgan credit card was opened without my authorization and charged for my amazon prime membership. After speaking with J.P. Morgan two months ago, the account was closed an investigator was assigned, XXXX XXXX, ( XXXX ext. XXXX ) who sent me a letter saying that the account was closed and I was not at fault. I had been told that the payments I made to the account to clear the balance and not negatively affect my credit plus the interest ( {$100.00} dollars and change ) would be given back to my bank account. The entire process has taken over two months and I have still not been able when calling to get in contact with someone who can refund the money to my account in the way I was told in XXXX.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Equifax- XXXX XXXX Account # XXXX Equifax has continually listed the incorrect information on my credit file for over 1 year. I have been disputing this account and Equifax has continue to say that the Account was verify and is correct, I also did a consumer dispute with CFPB # XXXX against the original Credit XXXX XXXX which have verify the Equifax is reporting the incorrect date for first delinquency date which is causing the negative account to remain on my credit report and this account should have been purge/deleted XXXX XXXX. I disputed the account again after I got the letter with t with Equifax on XXXX/XXXX/XXXX confirmation XXXXand was given the same response even with the letter from XXXX was attached to the dispute. This is affecting my credit as I am being denied because of the outdating negative information. This account has been removed from the other Credit reporting agencies XX/XX/XXXX. I need some help trying to get this corrected, all my efforts have failed. I have attached a copy of the letter from XXXX and the results fro Equifax. Thank You.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX XXXX ) XX/XX/year>
Consumer complaint received 2017-01-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, through their XXXX XXXX XXXX XXXX XXXX ( XXXX ), has or will cause to be recorded a Trustee 's Deed upon the sale of their XXXX interest held by the XXXX Deed of Trust to a third party. 

As dual tracking is prohibited, Bank of America and XXXX have no authority to record the Trustee 's Deed based on the unlawful recording of the Notice of Default ( NOD ) and the subsequent Notice of Trustee Sale ( NTS ). 

This property has been held by me under a claim of adverse possession upon meeting all requirements of law. Therefore, my property and home are not subject to foreclosure or Trustee Sale and no NOD or Trustee 's Deed should have been reorded. 

It should be noted Bank of America has made no default claim on the XXXX Modified Deed of Trust to date. 

On XXXX XXXX, XXXX the agent of the XXXX ( XXXX ) came out to my home and could see the published and posted Notice of Ownership through Adverse Possession which establishes the fact the XXXX may no longer claim lack of knowledge of my ownership of the property through adverse possession. Although not required, the Adverse Possession Declaration is still posted on the property to date and will remain until a court order is issued to remove the notice from my property. Additionally, upon being told they would have to put me out of my home, the XXXX agent replied, " We 're not trying to put you out. '' An indication there are no plans or intention to reside upon the property. 

All previously mentioned resolutions are desired and mandatory to include all fees and charges included under the XXXX Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Modified Deed of Trust including, but not limited to the charges related to the XXXX XXXX Deed of Trust.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

I have not received any written notification of this debt by CMRE. I i was called about a debt in XXXX of which i made payment in good faith & requested Dr 's information or the clients they represent, however i have not received any receipt of that payment or any other payment reminders or even details how this debt was accrued. 

i never got a bill from any doctor neither do i remember receiving any information neither by call or in writing from CMRE, this was only brought to my attention, when it appeared on my credit. 

i am in the process of purchasing a home and attempted to pay them {$100.00} though i already mentioned this was mistaken identity. 

they threaten to put this on my credit if i did not pay, so i paid them just to avoid any discrepancy on my credit. 

well come to find out they reported falsely to my credit and have engaged in XXXX style tactics, threatening and harassing me since i made my first call to them.. 

i need justice and a refund, they should delete this from my record and provide the Dr or Hospital details that gave them my information, so they can be sued. 

falsely reporting to my credit has caused me great financial loss and i am in the process of losing the Ernest deposit i made.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

Re : Disputing Value : Loan Modification for Loan Number : XXXX I was approved for a loan modification in XXXX 2016. After careful review of the documents I noticed the value of the home that Ocwen was using was not the true value of the home. I disputed the value and I received a revised value that did not make a difference in the loan modification payment. I resubmitted the appraisal that shows the details of what work needs to be completed however Ocwen is refusing to take into consideration the appraisal which shows a $ XXXX difference. Below is a letter I recently sent and I have attached the original letter that shows the appraisal. The goal is to get a loan modification that reflects the try value of the home while offering a monthly affordable payment. 

On XXXX XXXX I provided Ocwen a appraisal that shows the current value of my home at $ XXXX. This appraisal included XXXX comparable homes that have no damage at : {$770.00}, {$770.00} and $ XXXX. Per our conversation today I was advised that the value Ocwen is offering is only {$720.00}. This appraisal I submitted provided detailed notes on the cost of repairs to bring the value up to fair market value. I am still disputing the value of the home Ocwen is offering based on the appraisal I submitted of $ XXXX. 
I would like the evaluation team to review the appraisal again and consider the amount of work that would get this property value up to where Ocwen states it should be. Again my appraisal is $ XXXX and I would like to have a loan modification based on that evaluation. This would allow my family to stay in our home with an affordable monthly payment. 

My last modification was approved by a Chapter XXXX judge and we used an appraisal similar to the one I provided and the judge approved. I am just trying to get a better deal on the loan modification and/or through a Principal Reduction based on the appraisal. 

We would like to have a new proposed solution that reflects the new appraisal of $ XXXX. The previous loan modification which shows that Ocwen was giving us a IN-HOUSE loan modification with a true Principal Reduction. Please see previous correspondence. 

Respectively, XXXX XXXX XXXX XXXX, XXXX, Ocwen Client
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NH)

I fell for a well orchestrated sale pitch by a group called " It 's Just Lunch '' and let them charge {$2800.00} on my Barclays Bank credit card. When I soon realized it was a scam ( 8 days ), I called Barclays Bank to dispute the charge. I mentioned that this company was the subject of a class action suit for scamming others like they did me. Barclays waited 30 days and came back with the lame excuse that they could not take sides in this case and they could not dispute the charge with the merchant. I sent them an email to cancel my card. They turned around and added a {$75.00} annual fee and charged me {$50.00} for a late fee ( 4 days late ) for not making my payment on time. The whole thing cost me {$2900.00}. I can not believe this bank is allowed to operate in our state. I 've spoken with XXXX the Attorney General 's office ( XXXX ) and they are also reviewing the case.
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Medical Data Systems, Inc. (IL)

This company states they placed my debt for collections on XXXX/XXXX/16 and I have never received anything from this company regarding correspondence. No phone call, letter or etc and debt is now on my credit report. I also have proof that this company was not added to my credit report until recently not XXXX/XXXX/16.
Consumer complaint received 2016-11-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (DE)

I was contacted via phone about refinancing my home with a streamlined mortgage by New Penn Financial. The loan officer was promising me numbers and rates which eventually did not pan out. When he contacted me about the mortgage loan I asked him to give me a better idea of what the true benefit would be if I decided to refinance. He told me he would discuss numbers with his boss and ultimately what he promised did not pan out. I was n't too upset, because I was n't really too hard set on refinancing my property if the benefits were not worth the trouble. I then reviewed my credit report and saw that New Penn Financial pulled my credit without my permission. I never agreed to a hard inquiry and they did it anyway. Nothing was ever communicated in writing outside of a welcome email. All of our contact was over the phone and I do not understand why my credit was run without my permission. I 've attached my call log with XXXX XXXX and a voice mail he left about a quote and not being able to secure a previously offered lender credit.
Consumer complaint received 2016-04-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (GA)

I leased a new Acura XX/XX/2015 and turned in my previous Acura based on their assurance that my last two payments would be forgiven as I had moved to a new lease. Months later I was harassed repeatedly by Acura Finance representatives who informed me that I had failed to make these payments, despite the fact that had I never missed a payment while in possession of the car. Despite speaking to XXXX separate people and explaining the situation, they made no effort to resolve the issue and kept calling me to demand their money. 

After weeks of this harassment I noticed that negative information had been posted with the credit bureaus repeating the lie that I had failed to make payments for over 60 days. This negatively affected my Credit, something I find really offensive as a long time customer of Acura having leased XXXX previous vehicles, all from the same dealer due to my excellent credit, something they sought to undermine. 

Acura Finance never made the effort to reach out to the dealer to resolve this issue and simply informed me that it was my responsibility to call them and ensure that whatever money was owed to the finance arm was paid by them. This asinine strategy makes customers responsible for financial transactions between Acura 's financing arm and it 's dealer network, something I never heard of as a requirement for the lessee. 

After I reached out to the Dealer myself they informed me that they had failed to forward payment and would do so now. I do n't see why this was not done by Acura Financial months before and required my intervention to finally occur. What I find truly repugnant is that Acura appears to focus only on completing sales and receiving payment for itself throughout their sales process while simultaneously transferring responsibility for financial transactions onto the customer, punishing them through the Credit Reporting process with impunity for their mistakes. 

After contesting this issue I 've now received a bill for over {$600.00} for excess wear and tear, due within 30 days, something I was told would be covered with my upgrade to a new Acura at the time of the lease and a charge I 've never had to pay previously in any of my other leases. 

As a customer of Acura for two decades I 'm truly offended by their customer un-friendly approach to financial aspects of their business.
Consumer complaint received 2016-05-15
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX, CA-XXXX XX/XX/XXXX XXXX Senior Specialist, Corporate Consumer Relations, Synchrony Bank XXXX, SD XXXX Subject : CFPB Case # XXXX AEO, Inc Account Number Ending in XXXX AEO, Inc Account Number Ending in XXXX Dear XXXX, As per your respond on XXXX XXXX XXXX, you requested delete AEO, Inc hard inquiry from XXXX XXXX XXXX. ( Your respond attached ) However already 60 days passed and still remains on my XXXX credit bureaus report. ( credit report attached ) Please be good enough to delete that hard inquiry as soon as possible. 
And I am using card almost more than 6 months and if possible to reconsider upgrade my card to XXXX Card. 

Thanks XXXX
Consumer complaint received 2016-05-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I lost my home when XXXX lien holder foreclosed on my home. the XXXX lien holder never paid off the XXXX mortgage. the XXXX lien holder sold the property and the new buyer did not pay off the loan. I have contacted chase several times to ask them to release me from liability or call the loan and they have refused to work with me. I no longer own the home and chase has refused to call the loan or release me from liabitly. the home has been sold twice and now chase is trying to have me make the loan payment on a home I no longer own. I never gave permission to have someone take over the payments
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

XX/XX/XXXX I called Shellpoint Mortgage to inquire about getting rid of PMI payments. I was told that I would need to pay for an appraisal at the cost of {$400.00} to determine the value of my home. On XX/XX/XXXX I sent a written request to Shellpoint requesting a home appraisal. Shellpoint ordered the appraisal and the home appraisal was completed XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I called to inquire about my appraisal. I was told that a fee of {$620.00} was due for the cost of the appraisal, and only after that fee was paid I would get the results of the appraisal. I asked why the appraisal fee was so high and was told that they could not give me that information, nor was there anyone who they could forward me to who could. I also inquired about the bill that I never received for the appraisal. I was told that the bill would be on my XX/XX/XXXX statement. 
My first concern is the cost of the appraisal. The going rate for appraisals on a single family home ( my home at less than XXXX ft. ) are {$300.00} to {$400.00} at most. I do n't know why they are charging me {$620.00}. My second concern is that my appraisal was completed XX/XX/XXXX, if they are sending me a bill XX/XX/XXXX it looks like they want me to continue paying PMI at least 3 months after my appraisal was completed.
Consumer complaint received 2016-11-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Midwest Recovery Systems (TX)

I checked my credit report to see this company Midwest Recovery System on my credit report for {$760.00} for a payday loan I have never applied for or received. I attempted the contact the company for over a month now and have not received any respond. I have not received anything in the mail. This company called me several times before in which I asked for prove of this account and was told they did not have to give me any prove and I will received everything when the police come and pick me up. 

This account has affect my closing on my home loan due to the company refuse to respond to voicemails or dispute letters. I want this account deleted from my credit report like yesterday or I will be sueing this company. My lawyer has also attempted to contact them and received no respond.
Consumer complaint received 2017-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

This is a response to an old case XXXX. 
* Ocwen has now commented fraud by signing Schedule A in modification plan * Ocwen did not answer the first response with how modification plan was delivered *Attached evidence shows Ocwen over charged a forced placed insurance over 32k in 1 1/2 years as Ocwen never showed how it was refunded besides their faked out paper work. 
*Ocwen did not show who they paid City school tax to in XXXX, XXXX, XXXX as attached shows true evidence that XXXX XXXX only chrages for school taxes. Ocwen charged me as much as the entire yearly taxes just for city school tax. 
*Trail is set for XX/XX/2017 as I have now file a counterclaim and have no attorney.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

I signed up for an American Express Platinum card with a XXXX point welcome bonus. The card has a {$450.00} annual fee. I met the requirements for the offer with {$3000.00} of spending in the first three months of opening the account and had the points posted to my membership rewards account. American express put a hold on my rewards account and I immediately stopped spending on my cards with the idea that I should not use the card until the issue was resolved. American Express took back the XXXX points that posted to my account after the three months had ended. They factored an airline fee credit into their calculations and determined that I had come short by {$2.00} to meet the minimum spend. They rendered this decision after the period had passed under which I could have canceled the account and received a refund for my annual fee of {$450.00}. American Express was never transparent throughout this process, never indicated that I needed to do additional spending on the card *after* I had met the terms and conditions and kept me in the dark until after I was ineligible for a refund. Had I known this issue was not going to be resolved ( I was specifically told on the phone that they would give me the XXXX points back because the fee credit was a computer error ), I would have canceled my account for a full refund.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

I reached out to my mortgage company Ocwen Loan Servicing in XXXX regarding a hardship we were suffering..My husband has XXXX and does XXXX at home and is in the process of getting a XXXX from myself ... Sadly he was let go of his job in XXXX..I contacted them asking to help lower our mortgage payments temporary until we get on our feed and they kept on losing my papers that they requested and kept on wasting months of time to denie helping us ... I mailed them my XXXX mortage 14 days ago and it is not cashed ... they have done this to us before to cause us to fall further behind ... I have emailed them many times and getting no answers ... .I need someone to find out where my mortgage payment is and to deposit it ... .I have never dealt with such incompetent people than this company ... We are living on my husband 's unemployment and paying for our XXXX insurance so he can get his XXXX next month and they will not help us..If you look into this mortgage company you will see how many mass lawsuits have been against them from causing people to lose their homes..