davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CO)

I entered a Chase bank in my city to change a {$100.00} dollar bill into XXXX {$20.00}. I was told that I needed an account at the bank in order to do this. So I went down the street and got change. 
It this an illegal bank policy?
Consumer complaint received 2015-12-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (MA)

I have a loan with Avant. I live in Massachusetts. The total amount loaned to me is XXXX. The interest rate they are charging me is 28 percent. I believe Ma law says the maximum interest rate is 20 percent. I contacted XXXX but was told they could charge me this amount.
Consumer complaint received 2016-01-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL)

My mother since 2012 has been receiving calls from a XXXX Company looking for XXXX. My mother, XXXX XXXX, since having acquired the number in 2012 from XXXX started receiving calls. As she does not speak XXXX, she tells me that they call and hang up once she starts talking. I return the numerous calls and after speaking to someone, always find out its actually for an XXXX XXXX. After a heartless apology for the mistake the countless reps over the years have vowed with every fiber of their being to remove the number to ensure she never gets a call again. A few months go by before another call looking for an XXXX XXXX from the same company. Today was the last straw, I called back and spoke to a representative and then his manager XXXX XXXX who was extremely rude, condescending, and was deriding my XXXX background when I was speaking to my mother the victim of these non-stop harassment calls that she does not understand. XXXX kept overtalking me and refused to apologize for the way he was speaking to me. Again the calls for XXXX XXXX has been ongoing for over 3 years. XXXX has confirmed with me that the they have XXXX XXXX for my mothers number XXXX and they do not know why this collection company say its XXXX XXXX.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CO)

I am disputing a 30 day late that was places on my credit report by Chase. I am refiling this because I did not dispute the response that Chase gave on XXXX/XXXX/XXXX. The email that I received from the CFPB on XXXX/XXXX/XXXX did not indicate a time frame for me to dispute by so I now have to refile instead of dispute it. 
I received a courtesy call from Chase 's Customer Support Team on XXXX/XXXX/XXXX at which time I was told my account was past due and made a payment of {$270.00}. The customer support lady told me not to worry that I would not receive a late notice against my credit. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, much to my aggravation, a late notice was placed on my credit report and the auto pay program was never set up for my credit card account. Given I was told by Chase that I would not have a hit on my credit and they ended up reporting one, this credit late notice is a bank error. 
On 4 different occasions I called Chase 's Customer Service to see if we could resolve this late payment problem and I requested the support individual to pull up the call from XXXX/XXXX/XXXX to prove that this conversation had indeed occurred. On each call I would be bounced between departments being told that I was talking to the wrong department. None of the departments were able to resolve removing the late notice or find the call on XXXX/XXXX/XXXX. At the end of each of the 4 calls with Chase I was told they would look into everything and get back to me. I never heard back from any of them. 
After not getting any responses from my calls to Chase I decided to wright a letter to Chase 's Executive Office on XXXX/XXXX/XXXX and promptly received a letter back on XXXX/XXXX/XXXX which did not even address any of my concerns. I called XXXX XXXX, the rep from the Executive Office that wrote the response letter, to ask why they did not answer my questions and never received a response. I called again and was put in touch with XXXX XXXX and she looked into everything and could not find the call from XXXX/XXXX/XXXX and without it I have nothing to prove that this is a bank error. Given all of this Chase has determent that there is no evidence of a bank error. This has hurt my credit and will cause unknown amounts of money in potential lost money. 
I would like to have the 30 day late be removed from my credit given I was told that it would not be reported making this a bank error. 
I would also like the CFPB to add the 60 day response time limit to their emails regarding company response so consumers are told of this timeframe. I have attached the email that I received from the CFPB that clearly does not indicate a response time period.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

We had our mortgage through XXXX. We always paid on time.. escrow of taxes and insurance was included. Our mortgage was sold to Green Tree and unknown to us our escrow balance went to {$0.00} ... it was not as zero when the mortgage was sold.. the money is missing.. Green Tree then switched to Ditech.. we recently got XXXX letter from them saying we owed {$3000.00} in escrow.. when they were the ones doing the escrow analysis and we were paying what we were told to pay. They are confused. we cant get an answer from anyone. We paid our insurance this year to avoid escrow and they still are refusing to do another analysis to come up with our new payment.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

This is yet another complaint in a series of many I have filed against Select Portfolio Services : I exercised my right of rescission on a cash out refinance that SPS tried to call a simple modification ... my basis was I was never given any RESPA documents ( HUD 1, TIL, right of rescission, etc ) so therefore my right to rescind was 3 years. In Case # XXXX SPS acknowledged that XXXX XXXX ( the original lender ) paid off my XXXX mortgage with XXXX XXXX. The fact the the XXXX mortgage was paid off made the " modification '' an actual cash out refinance loan ; they ( SPS ) admitted paying off the XXXX mtg yet they claim it does n't count as a cash out refinance?!? It was obviously a cash out refinance, despite the fact that they do n't want it to be a cash out refinance.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (AZ)

I contacted XXXX XXXX and spoke with XXXX XXXX in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with GE Bank which is now SYNCB Bank. My first date of delinquency was XXXX 2008. This date was confirmed with the original creditor AND XXXX XXXX also confirmed that the date of the last payment was XXXX 2008, however, XXXX XXXX stated that that information does not state that that was the FIRST date of delinquency. This statement by XXXX XXXX makes no sense being that the original creditor already confirmed this. This account was paid and I am not disputing that is was mine. I am complaining because it is over 7 years and should have been removed at least 4 months ago.
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AUDIT SYSTEMS,INC (FL)

I recently had my Identity stolen and reported it to the police. A collection company called me concerning a check i did not write. They made me give my address which is something i did not want to do. They were rude and then wanted me to mail them a copy of the police report. I asked the rude lady to email me the address and she said they could not email and was rude and acted like i was the criminal. I am a stand up citizen who is a 20 year XXXX who had a credit score in the XXXX before the theft. I will not be badgered or spoken to in that tone by anyone expecially someone who collects debts for a living.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (TN)

XXXX XXXX sold my mortgage payments to Seterus or XXXX and they are trying to foreclose my home saying iam two or three payments behind when iam not.Everytime I talk to them add a month and saying I owe {$2500.00} for two payments and my house payment is $ XXXX.Two payments is about $ XXXX.I believe they 're trying to rip me off.I know they 're trying to get more monies off me andy family.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information.
Consumer complaint received 2015-11-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (FL)

Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness. 

Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness. 

XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later. 
Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle. 

Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur. 

Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

Supposedly simple, I charged my trip thru my XXXX card. The Agent said, it 's DENIED! So I used a different card XXXX, and everythings okay. I called my XXXX card and i told them that I was dissapointed and embarrassed. The Agent said your'e okay and do n't worry about it. The next day I checked my XXXX account on line, and all the denied charges are there amounting to more than XXXX. I called the XXXX card and my Bank, Chase. They said I authorized it and I ca n't do anything about it. what a hurdle, I went to the bank, and they gave me a hard time as it was my fault, nothing happened. Then I used my card to buy gasoline for XXXX dollars, and it was denied. I went back the next day and told them the problem. For more than XXXX minutes all their responses were irrelevant to the problems. I started raising my voice, thats when they produced a document. They told me to fax the documentation to the dispute office ( to find out that the FAX number is not correct ) I check my statement on line and I can not see anything, then I called them while I 'm on line and they told me that check the statement on line and Yes, it was there but I can not read the statement, very small and not clear. For more than a month it was very stressful and raised my XXXX XXXX. Then at the end of the month, I found out that the bank automatically deducted {$380.00} cents. The email said that the thanking me for the automatic payments. A few days later all the emails were deleted, i can no longer track the messages. At least they removed a lot of disputed charges but end up deducting XXXX item from my checking account without my knowledgedt. I am already old, I 'll be XXXX yo and can no longer handle this problem.
Consumer complaint received 2016-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (GA)

This complaint is related to a previous complaint I forwarded to you on XXXX/XXXX/XXXX under Case Number XXXX, XXXX & XXXX. The same collection agency, State Collection and XXXX XXXX XXXX are now sending me, collection notices for services I received from XXXX XXXX on XXXX/XXXX/XXXX. I paid the amount my insurance did not pay in the amount of {$76.00} on XXXX XXXX, XXXX in the amount of {$390.00} which included the amount I owed for my mastectomy at the same hospital on XXXX XXXX, XXXX. This check cleared XXXX XXXX XXXX on XXXX XXXX, XXXX. The check is made payable to XXXX XXXX for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. A copy of the cleared check was sent to XXXX XXXX on XXXX XXXX, XXXX and a copy was later sent to State Collection Agency, so there is no reason they should be harassing me over these charges. This is only a continued harassment over the charges I have proven we do not owe on my husband via my previous notices to you. The physical and mental toll of this harassment is taking it 's toll on me and my husband and I feel they are completely out of line and that their actions are punitive. I have notified them repeatedly that I am charging them for the time I have had to invest in responding to these unowed charges and my time charges alone are currently at {$720.00}. This does not include processing fees as well as punitive damages.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (ID)

My mortgage company took possession of my house while I was out of town. They sent a company to change the locks and winterize the house. I am behind in payments but not in foreclosure. They provided no notice to me either before or after the locks were changed. 

This is just the latest in a long string of what I would call bad behaviors by the first mortgage company, which began in XXXX 2015 when I asked for a loan modification. The representative told me I would not qualify " because I did not have 2 years of tax returns showing my self employment income '' I knew in XX/XX/XXXX that both mortgage payments would significantly increase in XX/XX/XXXX/XX/XX/XXXX. 

I worked with the XXXX mortgage company in XX/XX/XXXX and received a conditional approval for a short sale. 

I listed the home for sale in XX/XX/XXXX. I presented the first short-sale offer in XX/XX/XXXX and was denied in XX/XX/XXXX. I was again denied in XX/XX/XXXX for a short-sale after a second short-sale offer. I was further denied in XX/XX/XXXX for a deed-in-lieu request. The representative told me to " wait 30 days and re-apply. '' I was getting ready to re-apply when I was locked out of the house. 

What do I do next?
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ray Klein, Inc. (OR)

Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

On my XXXX XXXX credit card it was closed and now it says dispute resolved customer disagrees or something along those lines. I have contacted the credit bureaus and it gets removed and then reappears. Im not sure what to do. The account was in good standing and was paid off in full
Consumer complaint received 2016-01-27
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (CA)

I was in the process of a refinance with Freedom Mortgage and did not receive my Closing Disclosure within the required waiting period. Rather, received a back dated CD the day before I was supposed to sign my loan docs. The impound account, monthly payment and credits applied to my " no cost loan '' were all incorrect. I did not have enough time to get this resolved before my signing, so while signing loan docs, I made the handwritten corrections and initialed my docs. Also at the time of signing I receive a disclosure dated XXXX/XXXX/16 which I had never seen before, but no corrections were made to this XXXX either. ( This document is attached to the complaint ) I was advised to sign a disclosure that I had 3 days to review my CD, when I had n't. When I called to follow up and make sure the corrections were made to the file on their end, they advised me that they would just fund at the wrong amount, even though my docs contractually agreed to a different amount. After I finally spoke with someone who was able to make the corrections and void out the signing, I did not receive any follow up disclosures to review before my other signing was scheduled. Rather, again, a signing was scheduled before I had any CD to review. Again, terms of the loan were wrong when I would call in to check status of my CD. Loan amount was wrong and they were applying an escrow credit from my current loan to closing costs, which I repeatedly advised I DID NOT WANT. Rather than using money I had already paid to my money from my escrow account to credit this loan, I wanted a higher loan amount so I would have that escrow money available to pay my supplemental taxes when those were assessed by XXXX XXXX ( new construction home not yet assessed ). Long story shorter, the day before my signing I was again promised a revised XXXX but before I received anything I got a call from the processing manager advising the closing would not happen due to a subordination agreement that had not yet been received or even ordered. They had found out the information one week prior and had not brought it to my attention. I requested to cancel my loan on XXXX/XXXX/16 and that was never done. I received a phone call on XXXX/XXXX/16 requesting to reschedule my signing. My request was never submitted and my account remained open despite my very clear request to cancel all proceedings. 

Also, whenever I tried to contact my LO ( XXXX XXXX, XXXX ID XXXX ) I was never able to get in touch with him. I would get an automated response when I emailed and transferred to different departments with different customer service reps, none of which could answer my questions. .I was completely out of the loop and would have like to have a contact to assist in this process, which I thought the Loan Officer was supposed to do. Horrible customer service and completely out of compliance.