davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/XXXX, we suffered extensive water damage to our home. The damage was estimated at over {$45000.00} by a professional restoration company. The restorative process revealed that the house had extensive termite damage estimated at {$30000.00}, which was not covered by the insurance company. In XX/XX/XXXX, the insurance company issued us a check for the water damage only ( {$32000.00} ). The check was made out to my husband, myself, and Chase Mortgage Bank. I called Chase Insurance Claims Dept. for instructions on getting their endorsement on the check. They told my husband and I to endorse the check, send it in and they would send us a Chase check in the mail with my husband 's and my name on it for the amount of the check. Needless to say, that never happened! We submitted the check to them for endorsement as they instructed and they never sent us the funds. They held the funds in an escrow account. I inquired frequently about the check, only to be given the run around, asking me for more information. We put the house on the market opting to do a short sale and Chase agreed. We finally got a buyer and closed on XX/XX/XXXX @ XXXX. I continued to inquire about the insurance check and was told on XX/XX/XXXX that they needed a letter from the restoration company stating that we had a zero balance. They said that was the only thing holding them up from releasing the funds and we should receive it in 7-10 business days. We still did n't receive it. On XX/XX/XXXX, Chase left a voicemail on my house phone and on my cell phone trying to set up a house inspection. The next day, I called them back to inquire about the check and they said they needed to do set up a house inspection and then they would release the funds. They were oblivious to the fact that the house had been sold and that they signed and agreed to it. Clearly, the departments do n't communicate with each other. So they put me on hold and took me through some different people. Then, they said we gave up all rights to that check when we sold the house. They produced a form with our signatures on it dated for XX/XX/XXXX saying we signed away all rights to any insurance claims, escrow funds, or any funds associated with the property address. This was the first time either of us saw this form ( attached ). Access code to this form is XXXX. The printed names were clearly not our hand-writing, but someone tried to make the signatures resemble in some ways. We did not come in the day before closing and sign this form. It was not present at closing on XX/XX/XXXX.
Consumer complaint received 2017-01-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to XXXX to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (DC)

XXXX ca n't provide my Experian free annual credit report on-line. No reason is given ; no fix time-frame is provided. There site lets me send them a complaint but it does not ask for my email, so there is not way for them to respond on a timely basis.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I never had an transactions with either XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MS)

On XXXX XXXX, 2016 I made a transaction with XXXX XXXX XXXX for XXXX cents, they charged me the XXXX cents and {$19.00} on my Debit card. I immediately contacted by bank Chase and reported the fraud. I also contacted XXXX XXXX and they reversed the charge. On XXXX XXXX Chase debit me the {$19.00} and then credit it back on XXXX XXXX stating they received the reverse charge from XXXX XXXX XXXX. On XXXX XXXX Chase re-debit the {$19.00} from my account, they said it was for review. This put my account in the negative by - {$4.00} and then I had a debit of {$12.00} which put my account in the negative to - {$16.00}. Then on XXXX XXXX they charged me {$34.00} for Insufficient Funds. I contacted Chase and they reversed the {$34.00} but has yet to return the {$19.00}. They say we assure you we have not taken your {$19.00}, but yet my account is still short the {$19.00}.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

This complaint is in regards to not being able to resolve a problem with JP Morgan, CHASE Bank. 

I Believe I was hit with a predatory overdraft fee. I have always been notified as soon as my account gets over drafted so I can make the required deposit in time to avoid any fees. But this time I was notified the next morning at XXXX AM EST, that my account was overdrafted on XX/XX/2016 and not on XX/XX/2016. Looking back at my transaction history, the overdraft fee was caused by a transaction posted to my account on XX/XX/2016 at XXXX XXXX according to a Chase Customer Service Representative. This is an unfair fee because even if I had time, which would only be XXXX minute to make a deposit on the same day to the account it would not count until the next day because according to chase all deposits after XXXX EST, will be taken as a next business day deposit transaction still hitting me a overdraft fee. So why is that the transaction was posted the very last minute, leaving me no choice on getting hit with a overdraft fee. After contacting Chase customer service, I was unable to resolve the issue, causing me to submit a complaint with the CFPB I wanted to resolve this issue directly with Chase, as I have been a customer of theirs for XXXX years, but after this problem and what seems predatory fees, I will be switching financial institutions. In essence, Chase is saying the overdraft transaction happened on XX/XX/2016 at XXXX according to their text I received at that time. After which then looking at the cause of the overdraft, it was for a transaction that went through at XXXX XXXX on XX/XX/2016 If Chase is going to charge customers overdraft fees until XXXX EST, Then I should also be allowed to make deposit that would count sameday into my account until XXXX. This is unfair and predatory.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CO)

I have been requesting a mortgage pay-off for the last 4 years but the lenders involved have not provided one for me. They submitted a pay-off in 2014 with the amounts they say are owed but the figures were not correct ; they lumped everything together and wo n't separate the amounts. There are monies I 've paid that are not reflecting on the pay-off they provided in 2014. They have kept my house in foreclosure for seven years and I have submitted modification packets 30+ times but they say they have not received all of my documentation the 30+ times I have submitted it. All I need is a correct pay-off with the lumped amounts separated so I can refinance with another company since it is evident, after seven years, they will not do a modification for me.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules please help
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a Home Equity Mortgage Loan that originated XX/XX/XXXX, I was XXXX XX/XX/XXXX and Requested the SCRA Protection on my XXXX Account, it had a Adjustable Rate that was a 10.99 % APR at the time. The Account was closed a few months after I was on XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX and it was reported that my payments were delinquent several times to all of the credit reporting Agencies, and that I had stopped making the Payments in XXXX of XXXX, but that was because I had paid the XXXX account off in full. I continued to make payments on the other account until I had realized that I had made so many payments that had been said to be late, while I was XXXX that I had paid the account 8 months in advance. The account had been attached to my XXXX checking account, and was the over draft protection before it had been closed, but was still being withdrawn from after I closed my checking account. I 'm going to provided the XXXX account statements and the checking account statements since both of the accounts have been closed for over 5 years. The XXXX account has been reported as charged off in XXXX XXXX, but I was recently informed that a Certificate of Satisfaction was filed in the Deeds of Records Office XX/XX/XXXX for the XXXX Loan. I was never informed of this information by XXXX XXXX XXXX, but a Settlement Waiver was mailed to my old address dated XX/XX/XXXX, regarding the XXXX Mortgage account and it said it was in response to the XX/XX/XXXX Mortgage Settlement for SCRA Violations with the CFPB and the Department of Justice, which is news to me. I was XXXX from XX/XX/XXXX until XX/XX/XXXX on back to back XXXX, but my Clearance was Adjudicated while I was in XXXX and the XXXX account was one of great interest, since I had filed a law suit about the account and been providing documents to the Adjudicators for the past 10 years claiming to be a victim of the SCRA cases that had been settled, but my credit report had n't seemed to be effected. I have saved my documents for all of my accounts, but I had n't been contacted until recently.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (KS)

Got a message alert that my phone number had been changed that if I had not done to contact them ASAP with their contact number. Logged into my account my phone number was still the same but noticed my account had been closed and another one opened so I contacted them at the number provided and they could not help me with the new account gave me another number I 'd have to call M-F. They did check my phone number and said it had not been changed. This being WELLS FARGO at their best again switching accounts on you possibly and no notice to the customer as to what is going on. They need to be stopped from this kind of activity. Will try to call the other number this week
Consumer complaint received 2016-07-28
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal provided a pre approval letter and told me I was qualified to purchase a home. Settlement day came and they were unable to fund ( they needed more time ) buyer told them she could not wait because she would be homeless and needed a place to live now. they refused to issue any type of letter saying that the loan was not ready and the buyer is now being sued by the seller because she did not provide the letter to the seller.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I am a victim of predatory lending. I had an appraisal performed on my home and found that I fall within the XXXX LTV range which qualifies me to get my mortgage insurance ( MI ) dropped. If I refinance I will get the MI dropped but that will cost me about XXXX in closing cost. 
When I call my servicer Pennymac to conduct an appraisal they tell me LTV must be at 75 % for them to consider removing my MI because of FHA guidelines even though I no longer have a FHA loan. Pennymac had me call FHA and FHA told me I no longer have an FHA loan. Of course I called back and they said it somewhere in my disclosure that they have to look for.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OH)

I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

BMW Financial Services claims I owe a payment on a closed account for a vehicle that was totaled on XXXX XXXX, 2016. The other party 's insurance company, XXXX, paid off the vehicle less an amount of around XXXX, do not have exact number available to me. A GAP claim was made with XXXX, the company handling the unpaid portion. However, claim was denied for various and inconsistent reasons, all bogus. I called BMWF today to discuss another account with them, call was transferred to another dept that did not pick up, this dept handles the account in question. I believe Ive spoken with them before and they were told I refuse to pay a dime on the account as the vehicle is totaled, GAP claim was denied for various and inconsistent reasons, all bogus. I understand the account is in my name, however, they have been told I refuse to pay numerous times before and were directed to XXXX and or XXXX for payment. In closing, please advise BMWF I again refuse to pay a dime on the account and to place a cease and desist, any and all payment inquiries should be directed to XXXX, claim number is XXXX, they can also call XXXX, do not have their claim number available.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have not applied for a credit card of Capital One. I checked my credit report and noticed that someone had open an account under my name. I am not aware how this happened. I disputed the credit card account and it is under investigation and the issue has not been resolved.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/XXXX Business was very slow at the company I worked for. Bills started to pile up and I worked out a agreement to pay {$800.00} within a specified timeline by Capital One. I paid the {$800.00}. Not once did Capital One say to me that it would be reported to the Credit Bureau ( s ) as bad credit. They are still reporting it every month even though we agreed on a amount back XX/XX/XXXX. Most of it was late charges. I find this misleading. I have great credit, I have a car loan and the payment is made every month on time. Had I known this " settlement '' would damage my credit, I would have NEVER agreed to settle. Now I 'm being told that nothing can be done about it. This is not right, it needs to be addressed so people know when a Credit Card company is indicating that they are helping you solve your debt issue when in a financial crisis arises by paying them a amount you both agree upon, they also need to communicate the later part, oh by the way you will still get reported to the Credit Bureau, after you scraped by to get the situation resolved.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: ASSOCIATED BANC-CORP (WI)

I used my DEBIT card on line as a CREDIT to my account. I purchased what was supposed to be ongoing services with the site but the site has locked me out of my account. I disputed many of the charges I made, some outside of normal time limits but many within the time limits. The response from my bank was simply that because I authorized it they could not do anything for me. They would NOT DO ANY of the disputes. I had tried several time to reason with them but they told me they could not afford to lose the money. I thought that since I did not use a pin number it was handled just like a credit card and had some protection. Now they do not even respond to me. They have been provided with my documentation
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

I submitted a electronic ACH payment ( as I normally do ) to Ford Motor Credit for my XXXX, 2016 car payment which is not being credited to the account. This is not the first time Ford Motor Credit has made a mistake by misapplying a timely-made payment.
Consumer complaint received 2017-02-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

To Whom It Made Concern, This issue is concerning, ( CMS ) " Carrington Mortgage Services. '' In the beginning of XX/XX/2017, I requested that the FHA mortgage insurance premium ( MIP ) to be removed from my monthly payment due qualifying for its removal under Federal Guidelines. CMS responded to my written request on XX/XX/2017, with approval to my request. Although in their correspondence, they stated the payment would be adjusted accordingly, I feel the adjustment is rather-tardy and with XX/XX/2017 payment approaching ( 2 ) two months over due. My property taxes and property insurance premium are unchanged so I feel this issue should be expedited and not delayed. I only receive ( 15 ) fifteen days grace before {$94.00} dollars is added to my monthly mortgage payment, so a short grace should be exercised also. Further, I refuse to have the extra {$180.00} dollars added to the required Escrow Account for the disbursement ( taxes/insurance ) unless I 'm going to receive an agreed upon documented interest rate on the extra funds ; which will not happen. ( CMS ) please expedite the adjustment of my monthly mortgage payment from {$2300.00}. Lastly, I attempted to contact ( CMS ) Customer Services several times via XXXX only to receive PRE-RECORED VOICEMAIL which stated sorry busy right now call back later. Hopefully, ( CMS ) can rectify these issues sooner then later promoting a better working relationship with consumer base. Documents submitted for perusal.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Two months ago XX/XX/XXXX I became aware that someone had stolen my identity and used it to open a couple of credit cards. I caught it right away, had the cards shut down and placed a fraud alert on all of my reports. Today I get a notice that XXXX has pulled my credit report. When I contact Experian 's fraud department they direct me to call XXXX. XXXX directs me to call Experian. And on and on. All after a fraud alert has supposedly already been entered.