davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-24
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (PA)

I have gone thru a nightmare JP Morgan chase. We were promised 2 % mortgage for both my XXXX and XXXX mortgage and were told not to pay. All we received were a nightmare almost lost our home and were cornered into taking whatever they offered they even added {$30000.00} to our mortgage ( which I have asked about over and over ). We owe more now than we did when we first took our loan out after paying 10 years. Were not able to fix the XXXX loan for a lower rate because the house was not worth that amount and we could not get out of the loan with chase plus the rate will increase over time. They put as in a unfair place. Please help us!! I would like to find out how they added over {$30000.00} and I would like to have both mortgages together and at 2 % that is what we were promised.I still have names and messages which were bogas.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MO)

I 've been working in the XXXX profession for the past 5.5 years and have regularly been making payments on my student loans. I submitted the paperwork for Public Service Loan Forgiveness and learned, to my dismay, that none of the previous years worth of payments counted towards my loan forgiveness. This was understandably a blow because I was never made to understand that only certain repayment plans qualify. Given that a lot of time and money went into paying my loans in full and on time I think at least a portion of those payments should count toward my Public Service Loan Forgiveness. Unfortunately when I called FedLoan Servicing to inquire about this they told me there was no appeal process. This left me at a loss and very disheartened. Given that the language in the letter I received stated that " MOST of your payments must be made ... '' under qualifying repayment plans I think at least a portion of the previous payments made should count towards my forgiveness.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

From mid-XXXX through XX/XX/XXXX due to Equifax 's negligence with protecting my private data, my personal information ( Social Security number, Birth Date, Addresses, Credit Card numbers, and driver 's license number ) was mishandled and leaked to hackers. 

In Equifax 's own words on their website, unauthorized access occurred from mid-XXXX throughXX/XX/XXXX That is almost 2 months of my personal data being leaked to hackers, which have most likely  made it publicly accessible by now. 

In addition to mishandling my personal information, Equifax failed to alert me to this failure in a timely manner. Instead of being notified by Equifax, I found out about this through the media ... .on XX/XX/XXXX. On XX/XX/XXXX I went to Equifax 's website ( https :  //www.equifaxsecurity2017.comXXXX ) and was shown the message that I was affected by the information mishandling. 

All in all, Equifax mishandled my data several months ago and never sent me any kind of mail, phone call or e-mail to notify me, which is quite a horrendous act on the part of the company.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

I have a collection agency by the name of Caine & Weiner trying to collect a debt of {$100.00}. This debt is from a company name XXXX that I charged a fee for their dating service on my XXXX XXXX card. The amount they have in collection is not the amount I paid for the service. 

After several attempts of trying to reach out to XXXX regarding problems with the service they were providing I contacted XXXX XXXX. During and after the time I signed up with XXXX I was unable to get in touch with them nor did they respond to my emails. XXXX XXXX reached out to them as well and they did not respond. After XXXX XXXX investigated the charges they found cause to credit my account and not render payment to XXXX. Currently, XXXX XXXX XXXX is trying to collect the amount that XXXX XXXX credited me on my credit card.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : DIVERSIFIED ADJUSTMENT Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear DIVERSIFIED ADJUSTMENT I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: State Cap Auto Finance, Inc (RI)

For starters I explained my situation, and the dealership put me in the same situation. Along with over charging they charged me XXXX for a XXXX  XXXX XXXX  when the value was XXXX XXXX which I put down XXXX XXXX XXXX and my car payment was XXXX a month. Doesnt seem fair I had lost my job and asked for time which they did not do they took it. Then wanted towing fee. I am still trying to get back on my feet I have a job working with XXXX children for how long I dont know because I need a vehicle and dont have one
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. 

At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I processed a mobile check deposit from XXXX XXXX in the amount of {$35000.00} around XXXX am on XX/XX/year>. At XXXX, XXXX minutes before the branch closed, I was alerted via email that they had placed a hold on the deposit for XXXX DAYS until XX/XX/year>. THIS IS FRAUD BY THIS BANK. They are going to use my money interest free and withhold access.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : File # XXXX I 'm complaining because TransUnion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my accounts, they made a auto payment even after I stopped all auto payments on a checking account that was closed that resulted in reversed payment and as soon as they contacted me I went to my checking account and made the payment, I was never late on any payment and they closed all three accounts that will now have interest rates at 23 % when I had a zero interest rate
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

XX/XX/XXXX This is my second official complaint against OCWEN. Even though they have been fined, sanctioned or other, they continue to act as bullies, and collection thugs. Either they are taking these actions against me for complaining the first time or they do n't care because the profits are just too great for them to care about the consumer. I have made for the past 6 continuous months payments to Ocwen in amounts greater than the required minimum. This did not stop them from sending false and malicious letters stating that I was in " default '' and that they were going to file for possession. They did not apply additional funds to my account but kept them in a " Un-applied Funds '' category to try and fake that my loan was not in compliance. Further, regular monthly payments to them were not " timed in '' and they ran the " clock '' towards foreclosure for their own profit and without concern of the client 's faithful payments. Lastly, they employ a " debt collection law firm '' here in the XXXX area as a " fake store front ''. Ocwen preports that you as a client can go to this location to speak with Ocwen employees for advice, assistance and help and/or make a personal payment. But the location at XXXX XXXX XXXX XXXX, # XXXX, XXXX, Colorado XXXX is clearly another of the infamous law firms that assisted many of the mortgages companies XX/XX/XXXX-XX/XX/XXXX in defrauding home owners and others leading to the banking/mortgage crisis. Specifically, I was told that my personal payment made at the " fake store front '' ( law firm office ) would be credited that day and I was given a date/stamped copy of the same. Three days later after calling Ocwen 's offices, they had NOT received nor credited my account as promised. I am certain that this is Ocwen policy and done specifically to extract fees, bump up profits and abuse the consumer public. These companies should not be allowed to operate. This is not a " new problem '' but systemic and needs to be corrected. Thank you for your help a second time. XXXX in XXXX, Colorado XX/XX/XXXX
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I am a XXXX XXXX and was in XXXX on XXXX XXXX. I departed XXXX on XX/XX/XXXX. I had fraud on my debit account for XXXX that was posted on XX/XX/XXXX. I was told by a Chase Fraud specialist that the time stamp of that withdrawal was XXXX XXXX  on the XXXX of XXXX. I had arrived home on the XXXX at XXXX XXXX. My supervisor with XXXX XXXX sent a copy of my trip schedule to my bank manager ( XXXX XXXX XXXX ) He said he forwarded this information to the fraud department. My claim was denied. Requested my case be reopened. Bank manager sat on my request. Never saw anything reopen. I was told that my chip was used therefore it was valid. Obviously the chip failed or some other method of fraud was used. The banks chip, their failure to protect me. 

Cancelled card. Got a new one. Again had a trip to XXXX on XX/XX/XXXXXXXX XXXX XXXX and XXXX XXXX. Fraud for XXXX. Made a claim. Supervisor sent a copy of my schedule. I arrived home to XXXX on XX/XX/XXXX in the afternoon. Fraud posted on the XXXX. Bank statement shows me using my card locally in the XXXX area at the same time the fraud took place in XXXX. Again went to XXXX XXXX XXXX at my XXXX Chase bank. He acknowledged the similarities of the amounts. The way they were printed on the statements.etc. Also, that my card was being used here in Texas at the time fraud took place in XXXX XXXX.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc. (CO)

Disputed these charges with rental leasing company in XXXX. 

They advised that they no longer work with this property owner and that the owner would be responsible for contacting me about the dispute. 

I never heard anything back and was never provided information as to the owners name or contact details. 

Per the law, landlords should try to resolve the issue amicably before sending the tenant to collections. I never received any notice from the owner nor from the collections agency and only knew of the debt because I use a credit monitoring company. 

The debt collector claims they called me once ( XX/XX/XXXX ) but didnt leave a message. I asked for the number they called from, but they couldnt provide it. 

They also state that they sent a single notice by mail on XX/XX/XXXX but the copy of the notice they provided did not have that date and I never received that notice. Nor was it sent to the address I provided the property management company as my return address
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

My information is compromised on Equifax. I saw the news of a breach and entered my information. I received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID XXXX. '' I am unwilling to enroll in another service, " TrustedID XXXX '' from the same company that new the breach happened weeks ago, if not months and did n't tell the public. 
I am filing a complaint against Equifax, it 's lack of security and it 's delay in reporting to me that my information was compromised. I found out from reading the newspaper. This is a breach of trust.
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

Dispute of billing from Commenity Bank -- -- -- -- -- -- -- -- -- -- -- -- -- -- I wish to report credit fraud and libel by Comenity Bank. I will attach documentary proof. 

I have had a credit account with Comenity Bank for a retailer called XXXX XXXX. 
I received a bill from Comenity Bank indicating a payment due on XX/XX/XXXX and an amount due of {$110.00}. I wanted to pay the account off, and so made an online payment on XX/XX/XXXX ( the due date ) of the entire {$110.00}. The confirmation number for the payment was XXXX. I have also included proof that this payment subsequently cleared my bank. In XXXX I received a bill for a late charge and interest, which I called and disputed. There can be no late charge and interest charged on a XXXX balance. They said that the charges would stand. I said that was not legal or fair. Their agent called a supervisor named XXXX, who told me nothing could be done, to just pay the bill which now showed XXXX months late charges. In XXXX I received a bill to be paid by XX/XX/XXXX with more interest and late fees charged on the interest and late fees. I did not purchase any other merchandise. I was also receiving multiple texts and phone calls threatening consequences of non-payment. In addition, Comenity reported to XXXX XXXX that I was 30-59 days late on my payment. ( This is the libel part, as such a report negatively affected my credit ). 
I have disputed the report with XXXX ( file # XXXX ). 

I have tried multiple times to talk to these people, but always am told no adjustment can be made, and they will keep adding on penalties and interest. 

XXXX XXXX
Consumer complaint received 2016-12-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

My Mortgage company, OCWEN sent me a letter via XXXX mail on XX/XX/2016 ( Dated XX/XX/XXXX ) stating that my mortgage payment was returned for non-sufficient funds by my bank, XXXX. My account shows that no attempt was made by my mortgage company to get the payment that I had made electronically on the XX/XX/XXXX. I also spoke to a representative at my bank who confirmed that no attempt had been made to cash my payment. I have been paying my mortgage electronically for several months and keep a confirmation notice. There is a default feature at the OCWEN website, which allows me to pay from the same account -- which I did. 
In the letter from my mortgage company, I was instructed to make an immediate payment or I would suffer penalties in additional fees. So, in order to avoid those fees, I sent a rush payment via XXXX. But it still ended up costing me an additional {$45.00} above my regular mortgage payment. I feel that OCWEN was either careless or dishonest in this instance. I wanted a record of this complaint so that they will correct this situation, instead of allowing them to blame me for their incompetence.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (OH)

I had an available credit amount of {$30.00} on my last statement, made a total of {$480.00} in payments and had {$72.00} posted charges and {$220.00} of pending charges. I should have {$220.00} in available credit ( I have a {$400.00} credit limit on this card ) but was only given {$170.00} credit. After speaking with several people at Chase via phone who agreed with me, I was transferred to XXXX, who works in XXXX Florida ( her supervisor is XXXX XXXX ) who argued for over a half hour that my available credit should not be {$220.00}. We went over the calculations and she refused to simply add up the amounts. She refused to give me access to my credit saying that I was wrong. I am now unable to pay a bill because Chase is refusing to provide me with the difference of {$170.00} and {$220.00} ( XXXX ). Here is the calculation done two different ways : {$30.00} available credit XXXX purchases + {$300.00} payment - {$52.00} purchases + {$180.00} payment - {$220.00} pending charges = {$220.00} available credit. OR ... .. XXXX statement balance +XXXX purchases posted -XXXX payment posted + {$52.00} purchases posted - {$180.00} payment posted + {$220.00} pending purchase charges = {$170.00} balance of charges $ $ {$400.00} credit limit - {$170.00} balance = {$220.00} available credit. In speaking with several customer service and payment center representatives since then ( XXXX AND his supervisor XXXX in XXXX XXXX to name a couple ), they all refused to provide me with the proper credit. XXXX even told me that {$170.00} should be my available credit ... which is WRONG! That instead should be my balance charged on my card after the pending charges come through. Chase holds onto your money improperly- gaining daily interest on money you pay over your credit limit but not even allowing your access to it.
Consumer complaint received 2017-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: DISCOVER BANK (MS)

The company charges a {$39.00} late fee. My monthly payment before the late fee is {$170.00}. When they add the late fee, on their website my account shows a minimum payment due of {$210.00}. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. My account now shows a balance due of {$78.00} for XX/XX/XXXX. I called the company today XX/XX/XXXX and was told that they do n't apply my payment to the late fee until after my next payment is made. Well that is not acceptable and apparently not true. If that were the case, they would have applied my {$39.00} payment for the late fee charged in XX/XX/XXXX when they posted my payment for XX/XX/XXXX. This is not the first time I 've had billing issues with this company and I 'm sick of it. If I make my payments per my loan agreement and pay my late charges, my account should be brought current.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Equifax is still reporting refuse to delete from credit report even though XXXX and XXXX is no longer reporting. XXXX XXXX is reporting as a chargeoff but we are in a settlement the wording should be changed to paying as agreed, I received a letter from them in XX/XX/XXXXstating that they were reporting the account incorrectly and that they would remove the account, now they are saying I had two accounts with the same last 4 account numbers which makes no sense.
I 've attached file from XX/XX/XXXX credit report
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. ()

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.