davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NV)

My auto was wrecked in XXXX/XXXX/2016 a total loss my insurance adjuster totaled the auto on XXXX/XXXX/2016 cut a check for the amount figured for the auto..I contacted my GAP insurance and filed a claim the day I was informed my auto was totaled.. when I checked on the status of the GAP claim I was told the dealership had coded the auto as a repossession instead of a loss and to inform them to contact the office and submit corrected coding info..The dealership apologized for the error and submitted the correction. I then checked the status of the dealership and was informed the check was stopped and another check was being issued to my lien holder Chase Bank. I asked was there anything else needed of me and was told no. I asked if I could get a copy of the check that was issued to Chase and it was forwarded to me. I checked my credit and to my surprise the loan was on my credit report I then contacted Chase and was spoken to rudely and asked for a manager which I was not forwarded to I then went to an actual Chase bank being that their headquarters is not located in the city of which I reside the banker I spoke with listened and phoned the executive offices then I was told that the dealership did not code for reinstatement of my GAP insurance. I then asked Chase why had n't anyone contacted me regarding this? I was then told by Chase I needed to get in touch with the dealership and have them correct the error of reinstatement I personally drove to the dealership and spoke with the administrative person whom had handled the paperwork and was told when the error of repossession code was corrected to total loss they 'd reinstate the policy. I informed her Chase had put the auto balance on my credit she wrote a letter explaining the discrepancy and error and contacted GAP to reinstate the policy. It 's now XX/XX/2016.. I spoke with a rep. within the executive offices of Chase and she asked if I could contact GAP and have them overnight the check ..I contacted GAP and was told the file is on the Boards desk awaiting approval..I spoke with GAP on XXXX/XXXX/2016 the Board finalized the claim on XXXX/XXXX/2016 and the check was submitted ... and Chase Put the charge off on my credit ... .and wo n't release it they 've been paid {$24000.00} ... but wo n't release the charge off
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XX/XX/2023 we found a compact tractor for sale on the internet at XXXX XXXX XXXX. We messaged the business for information about the tractor. Sales Mgr. XXXX XXXX responded. 
On XX/XX/XXXX we ended up making a deal for {$9000.00}, {$8200.00} for the tractor and {$800.00} for shipping. 

On XX/XX/XXXX, we went to our bank and wired the money. He emailed us a bill of sale and payment invoice later that day. 
On XX/XX/XXXX he said we would have our tractor on Thursday XX/XX/XXXX between XXXX. 

On XX/XX/XXXX at XXXX we emailed asking if everything was still good for this evening. We received an email stating delivery has been delayed due to trailer mechanical problems and the new delivery date was Monday XX/XX/XXXX. At this point XXXX told him he was starting to think he's been scammed. They told us they would refund the shipping fees in cash at delivery. XXXX asked him why the tractor we bought was still for sale on the internet. 

On XX/XX/XXXX XXXX We got another email saying the trailer is still being serviced and the new delivery date will be XX/XX/XXXX between XXXX. 
XXXX We got an email stating the refund request has been sent to the payment department. 
XXXX XXXX XXXX emailed It's coming but it looks like we understood wrong, that you wanted a refund ETA still XX/XX/XXXX between XXXX. 
XXXX XXXX didn't check his email and asked when the tractor will be here. 
XXXX Then XXXX checked his email and then told them IF it's not here early on XX/XX/XXXX he wanted a full refund. 
XXXX XXXX emailed so it's not coming on the XXXX? 

On XX/XX/XXXX XXXX messaged them please have someone contact me about this sale or refund. 
We got back an email asking for the stock number of the machine we were interested in from Sales Mgr. XXXX XXXX. 
We sent an email telling them we were deeply concerned about this transaction and to reverse the payment we made back to our account. They emailed us saying the refund was approved. When can we expect it? By the end of the week. Then we called our bank asking what we could do. I want to know why Bank of America, Branch address : XXXX XXXX XXXX XXXX, XXXX, NM XXXX Has never returned a call to my bank when my bank asked for my money back. And don't look like my bank is investigating it. So people get scammed and no one is trying to help. Someone at bank of America surely should know how to find out who had the receiving end of this transaction. I would like an explanation by someone on how a transaction like this is ignored. I'm out XXXX. I'm on XXXX yrs old. XXXX is a lot of money for me. It took several years to save that money on what I get. I wish someone would do something. Thank you for your time.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX. XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America issued a XXXX cancellation/discharge of debt back in XXXX which I filed with my income tax return for that year ( document attached ). BofA continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called BofA, they told me that they agree that they charged it off, issued the XXXX and do not intend to collect. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''
Consumer complaint received 2017-02-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (PA)

Previously an account showed up on my credit report from XXXX, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, JH Portfolio Debt Equities is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on one of my reports. I want this removed from my credit reports as this account is not mine.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

My county tax office had not received the data to change the tax rate of my residence. I rectified this issue and sent the refund check to Wells Fargo to put in the escrow account. I went down there with the receipt of this check and explained that my escrow account needed to be adjusted for this tax change. They assured me that in the mass re-analysis on XXXX XXXX that this would be reflected. While the re-analysis has been done, and my mortgage decreased by XXXX dollars, it did not reflect that change in expected real estate taxes. This means that for 1.5 months I paid XXXX dollars more per month on my mortgage, and with this change I still pay XXXX dollars more per month on my mortgage ( the only change reflected was the refund check going into the escrow account ). I did everything within my power to give them all relevant information regarding the updated tax rate, and it is still not being reflected. This is undue hardship to expect me to pay more mortgage when I have evidence and presented it to a wells fargo office which indicates that their real estate tax expectation is incorrect. Furthermore, Wells Fargo has now twice changed my mortgage without notifying me in any way of my account needing attention or my payment being changed. They should give consumers as much warning as possible that a change is going into affect and give them options as to how to mitigate this ( i.e. one time payment, or mortgage payments increased ). It also causes un-due hardship for the lender to postpone a re-analysis of all mortgage accounts until XX/XX/XXXX. They received the updated real estate taxes in XX/XX/XXXX. If they are n't going to alert the consumer to the potential need for a one time payment, then there is no reason to wait 4 months into the new year, with the account being behind, to re analyze the payment. Now the payment increases even more because it has to make up for the negative balance in addition to the increased expectation of the escrow account. Wells Fargo should take steps to ensure that the consumer is aware that their mortgage will change, and also to ensure that they make changes at the most appropriate times in order to affect consumers the least. How Wells Fargo handled this situation could definitely cause a less sophisticated consumer to default on their loan payments, and even when I brought all relevant documentation, they have still failed to rectify the situation.
Consumer complaint received 2017-01-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ALEXANDER-ROSE ASSOC, INC. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact Alexander rose per the address listed on my credit report and the letter sent just info about dates of the collection. Did n't even read what I sent or cared. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Consumer complaint received 2017-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OR)

I received a preapproved offer in the mail. I asked for a loan of XXXX XXXX XXXX XXXX dollars. I was approved and could view the payment dates and amount. But could not view the truth in lending disclosure nor the total interest of the loan tell after I had accepted the loan. I had to have a friend down load a p d f viewer. The loan was funded 0n XX/XX/XXXX. The first payment of XXXX made on XXXX. The second payment was made on XXXX. I called big picture loans on XXXX. Spoke with XXXX on a recorded line. Was told the payoff on the loan is XXXX XXXX XXXX dollars. I said this is a mistake. I 've cancelled bank payments and contacted XXXX XXXXXXXX Attorney General who advised me to file a complaint with the XXXX XXXX Attorney General and provided the phone number.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently looked at my credit report ( TransUnion, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months ( Attachment XXXX ) shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
This incorrect record on my credit report has caused severe damage to my financial life, and I would like to request the credit bureau to immediately DELETE this record as it is false.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/XXXX I sent a payment of {$1700.00} to Wells Fargo on a XXXX department credit card with a balance o {$1500.00}. I sent more to cover any additional financial charges to pay this account off. On XX/XX/XXXX Wells Fargo applied the payment to my card leaving {$130.00}, I called on XX/XX/XXXX to confirm when I would receive my credit back and was told at that time I would receive in 2-4 week. On XX/XX/XXXX I call to confirm payment was received, and that I had a credit of {$130.00}. I was told that I should receive the check by XX/XX/XXXX. I called a 3rd time and told them I had not received my check on XX/XX/XXXX. I received my billing statement around XX/XX/XXXX that showed they had applied the {$1700.00} and I had a credit of {$130.00} refunded on XX/XX/XXXX. Again I was told I should receive the refund by XX/XX/XXXX ( Different date than XX/XX/XXXX ). My 4th call on XX/XX/XXXX I told them I had not received my check, Wells Fargo responded it would be by XX/XX/XXXX, yet again different date. We are now one month from the time they applied my payment on XX/XX/XXXX. 5th call to Wells Fargo was made on XX/XX/XXXX, I told them I had not received my check, it went from the Representative, to the Supervisor, to an Executive Officer, to a Corporate Compliance Researcher. I was told they would have to cancel my check and I would have to wait another 30 days to receive my credit. The gave me a case number XXXX. On XXXX ( 40 days from applying my payment ) I called XXXX XXXX at XXXX XXXX XXXX XXXX Ext XXXX, three times and my calls went straight to her voice mail. She has not returned my call, Well Fargo has had 3 business days to research why and tell when I will receive my refund and I have not heard any thing back from them. I have attached my last billing statement to show when the credit was applied and when they said they refunded my money however they can not product any documentation showing a check has been chased or if they even mailed the check. I 've waited 40 days for this and was counting on that refund to help pay off another debit. I have gotten no where with Wells Fargo, I keep getting bounced from one rep to another or my call to XXXX XXXX are not being returned. In light of what Wells Fargo has done to other customers in the news, I want my money back so I can close out my account and leave this company. I need someone to help me. 

XXXX XXXX XXXX
Consumer complaint received 2016-10-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX. 
Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX. 
The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage. 
XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX. 
THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS. 
We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX. 
Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties. 
I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!
Consumer complaint received 2017-02-11
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

At the end of XX/XX/XXXX i misplaced my wallet ( which had my USAA membership card and all my info along with my debit card in it ) and the wrong hands found it because within the next couple of days i had XXXX savings accounts opened in my name, which i did NOT authorize my any means. Whoever opened these accounts deposited fraudulent checks for various amounts of money, coming up to be around {$4000.00}, which ended up returning and putting MY account negative almost {$4000.00}. I have been trying to resolve this issue with their financial institution for 5 months now, i have called and called and my step mother ( the joint over on the account ) has called and called and they always say they will call back within the next couple of days and NOBODY CALLS. I have never received a phone call back for as long as this has been going on. Every time i call and talk to someone they can never help me and say that the person who can help me will call me and they just never do. I was told i was going to be held responsible for the negative balance on the account and that is completely unacceptable, then i was told the amount had been charged off so now its going to go on XXXX credit report. On top of all of that, i got my paycheck the Thursday after the incident happened, which was direct deposited into my checking account, which got put on lock down, so to this day i still have not seen that {$310.00} and that is a lot of money to a XXXX year old busting her XXXX at work for it.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NC)

I was really young, I believe just turned XXXX. My Dad took me to get a credit card with a {$500.00} limit, he ended up using it and defaulting on it without me knowing. I was in another state when my parents split. I am now XXXX and ready to start properly using credit cards, I even took a course on using them properly. I was told to come to this website to get that account wiped off my credit report. I really want to start with a clean slate so that I can truly build my future and relationships with the banks. I have since then built a multiple six figure business that is pushing out XXXX in expenses a month. I can be earning points with this but I am not because of my Dad 's ill minded mistake 5 years ago. Just now found out. 

XXXX XXXX, XXXX ( 4 yrs, 7 mos ) Was when the card was opened and {$800.00} was used until XX/XX/XXXX and this was with Wells Fargo. 

Please help me remove this so I can start fresh. Thanks!
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: SYNCHRONY FINANCIAL (NY)

I stared XXXX dental treatment in XX/XX/XXXX. The doctors office suggested I use Synchrony Bank to pay for the treatment even though I was going to pay cash and so they went through the process. The Dr. however scammed me and never finished the work and even caused additional issues and I am currently suing him. I stopped paying the debt because according to Synchrony Banks retail agreement that they gave me " if you are dissatisfied with the goods or service that you purchased with your credit card, and you have tried in good faith to correct the problem with the provider, you may have the right not to pay the remaining amount due on the purchase ''. I did try in good faith many times and made Synchrony Bank aware, but instead they added interest on the account to bring the amount to more than double of what the balance was which was only {$1000.00}. This happened after speaking to one of their representatives who told me not to worry about the apr going up because I was in the middle of suing the DR. so the apr would not go up which was completely false information. I have written letters to them to the address they gave me SYNCB C/O Card Services XXXX FL, XXXX and they do not respond. The last 2 letters were sent XX/XX/XXXX & XX/XX/XXXX with absolutely no response. I emailed them and also received no response. They are damaging my credit by reporting the account to credit agencies and this needs to stop. They have thousands of complaints against them online. 
Care Credit Account # with Synchrony Bank is XXXX Thank You.
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (TX)

The servicer that currently holds my student loans never answers. I have called everyday for 2 weeks waited one hour on hold and no one ever picks up. I have been making principal payments to my loans and I would like them allocated to a certain account. How can I have my loans transferred to a new servicer with better service?
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ditech Financial LLC (IL)

We have requested identification of original debt for this debt collector. We do not have any open debt that relates to the account # they are claiming. Furthermore - despite repeated attempts for copy of original debt, we have received nothing. We are receiving sporadic debt collections mail, pre-recorded phone calls. This harassment is impacting our health as well as our credit rating and want this to stop.