davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I am having a problem with my bank returning funds which were released to the wrong party. I made payments and they were not received by the intended party yet released and not credited back to me when this was brought to the attention of the bank. I furnished all the detail requested of me to the bank. I have yet to have anyone at the bank reach out to let me know what the status of this investigation is. I have e-mailed at least XXXX times, and telephoned repeatedly to only be told this is going to take more time. The first date the bank made a formal notation was XXXX XXXX, 2015. I had been inquiring about my money prior to this and finally the put my case with their dispute dept. After that I was required to provide check # s, copies, and amounts. From XXXX, 2015 until today I have no idea where this case is or what happened to my money or when I will have it returned to me. I could understand some time but I seems that nothing is being done at all. What ever happened to bank security. I really appreciate any help I can get in a resolution to this problem. 
Thank XXXXOscar XXXX
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I talked with an Advocate at Navient on XXXX XXXX 2017 and advised them that the monthly payment of XXXX was too much for me to pay right now due to all my expenses that I have. I told her that I could pay no more than {$350.00} a month right now and she did a calculation and said it should be in that ballpark ; however when the IDR was submitted, they advised me that my monthly payment would be {$680.00}, which is still too much. They do not take under consideration all the debt that you have. They look at your Gross, inwhich I do not bring home my gross. My loan was originally a little over {$40000.00}, they have assessed over 35.000.00 in interest. I think the interest charges are astronomical, I was advised my account accrues close to {$400.00} dollars a month interest along.
Consumer complaint received 2017-07-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

For the second time in the last two years XXXX XXXX XXXX XXXX has set my property for sale and engaged in egregious collection tactics. After the first time approximately one year ago, I sent this organization a cease and desist on the basis that XXXX XXXX XXXX have provided them with misrepresentations to give them the power of engaging in this action. I believe at that time that XXXX XXXX XXXX XXXX did the right thing and discontinued their harassment of me knowing that they had no legal basis to do so. XXXX has provided continual fraudulent documentation and misleading statements to XXXX XXXX XXXX XXXX in an effort to extort monies from me to which they are not entitled. There is no chain of title that is not clouded despite the efforts of XXXX to file fraudulent documents with the County recorder 's office. I am currently attempting to resolve the situation with XXXX XXXX XXXX XXXX to no avail. They continue to pretend that the documents provided are legitimate knowing that my intent will be to file lawsuits against them either pre-or post-foreclosure. This brazen disregard for the law should not be tolerated and XXXX XXXX XXXX XXXX should stop aiding and abetting a company that is having lawsuits filed in court every day, many of which are demonstrating that XXXX has a pattern of falsifying documents. Lastly, all of these perpetrators are relying on a pass through account as their basis for legal rights regarding my loan. I have proven to all of them time and time again that my loan has nothing to do with the XXXX XXXX pass through account to which they refer. Even XXXX XXXX has refused to offer any type of support to these criminal organizations to support their actions. On the contrary, XXXX XXXX requested in a directive to all " servicers '' to stop. However XXXX and quality are intent on making as much money as they can off of this chaotic situation.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Somewhere on or around XX/XX/XXXX My estranged husband, XXXX XXXX XXXX and I were issued a check from XXXX XXXX XXXX XXXX for musical instruments he claims were stolen after our separation on XX/XX/XXXX. The check was paid to the order of XXXX XXXX XXXX and XXXX XXXX XXXX for {$4900.00}, check XXXX, dated XX/XX/XXXX. XXXX was able to take the check to a JP Morgan Chase branch at XXXX XXXX XXXX XXXX, XXXX, Texas and deposited into his personal bank account without my signature or knowledge. This check was allowed to be improperly negotiated and deposited. 

On or around XX/XX/XXXX a check was issued to XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX. JP Morgan Chase at XXXX XXXX XXXX, XXXX, Texas XXXX allowed him to cash this check without my knowledge or signature as well as Compassion 's roofing did not sign the check XXXX, dated XX/XX/XXXX for {$3000.00}. 

On or around XX/XX/XXXX JP Morgan Chase allowed check XXXX. {$3000.00}, dated XX/XX/XXXX to be cashed. This check was made out to XXXX XXXX and XXXX XXXX and XXXX Roofing & Remodeling. 

All 3 of these checks were not negotiated properly, but all three were either deposited or cashed by 3 branches of JP Morgan Chase. 

I have spoke to several branches of JP Morgan Chase and all say it was incorrect, but there is nothing that can be done about it. The second two checks with the contractor 's name was for roof repairs ( both checks were the same amount ), but no work has been done on the property. I believe XXXX XXXX and the contractor may have split the money or XXXX XXXX may have kept the money for his gain. Please understand I know this money is not mine, but should have gone for the roof repairs. More checks are to be issued for the repair. I have spoken many time to our mortgage companies Loss Draft Department and although they admit the signing of the checks was improper they say they can not do anything about it and will reissue more checks without inspection of property repairs. 

I have spoke to JP Morgan Chase branches, XXXX, XXXX XXXX and XXXX XXXX XXXX ( as checks were drawn off them ) with no resolution. 

It is my conclusion that anyone can walk into a JP Morgan Chase branch and cash/deposit whatever they want without recourse.
Consumer complaint received 2015-06-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (IN)

My check was fraudulent from a potential employer. I did not know this before the submission to the bank since I was seeking an employee account. When the bank informed me that the check was a fraud. They then requested documentation of the entity that sent me the check. The next day I went to the original banking center and submitted the documents I had. I asked The representative to call or contact my Credit bureaus and informed them of my intrusion into my finance. the representative then stated " no that 's not my position '' and decline to inform the authorities about my encounter. I further informed Him that this is the XXXX time I have been sited for this kind of fraudulent conduct and he still stated that he would do nothing on my behave or " not his position ''. How can we Americans stop this type of intrusion unless we have better assistance with these needs. Life, Liberty and the Pursuit of happiness comes in where on this matter? Thank You for you consideration on this matter.
Consumer complaint received 2015-11-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Franklin Credit Management Corporation (CA)

My name is XXXX XXXX ; i am a widow ; semi-retired from XXXX. The FCM bought out my XXXX mortgage a few years ago and placed a lien on my property. I have been trying to settle this since then. It is almost upsetting how they kept on asking me to counter offer against their offer of {$31000.00}, but never mentioned about the expiration date -- XXXX. Had I known that there was an expiration date on their offer, I would have made far better decision. I did not have a regular income, so I was trying to see if I could lower the final amount to borrow lower than {$31000.00}. I felt very angry at their deceit -- not ethical at all. Now I have to appeal this to see if I can settle this once for all, which has been my heart desire ; they just sent me 'Notice of Default and Intent to Accelerate ' to me last week. I had filed chapter XXXX in XX/XX/XXXX, I need clarification on page XXXX where they said, ''To the extent your obligation has been discharged or is subject to the automatic stay in a bankruptcy case, this notice is for informational purposes only and does not constitute a demand for payment or an attempt to collect a debt as your personal obligation. ' I am totally confused ; they said this debt was excused ; then, they would like to accelerate?. 
If you can help me settle this with their initial amount for me since they were deceitful, I would greatly appreciate it. I have XXXX different licenses -- XXXX ; each ethics class I had taken for these, they emphasized how important it was to inform your customers with all important facts to help them make a better financial decision. Their hiding this fact until after the fact seems to me pretty unethical almost like a criminal act ; consequently, I am appealing this to you to see if you can help. 

XXXX XXXX and a XXXX! 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2015-04-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Bank of America did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to " try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was " wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2015-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MILLENIUM HOME MORTGAGE LLC (NY)

Hello, I approached XXXX XXXX of Millenium Home Mortgage in XXXX regarding mortgage refinancing. I told him I would like to refinance my house in XXXX to take advantage of the lower interest rates. So, I set out to explain my situation. I told him my house was rented out and the lease would end in XX/XX/2015. Furthermore, I told him I was living in a rental apartment in XXXX, but planned to move back to the house in XX/XX/XXXX, as soon as the tenant moved out. So, I asked him if he could help with the refinancing, and he said yes. He further stated that he could refinance my house as owner occupied, provided I was able to provide strong motivational reasons for moving back to the house as soon as tenant moves out. So, I provided all required documents and paid the appraisal and mortgage fees. 
After paying the fees, the appraisal was done and my house value came back ok. 
To my surprise, XXXX XXXX told me the financing could not be finalized until I move back to my house. He stated that I told him I was going to move into my house before the refinancing is concluded. There was never a time I told XXXX XXXX this. 
I believe I have been misled into parting with my money and would like to know if there is way to have my money returned to me. Thank you.
Consumer complaint received 2015-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (VA)

To my knowledge the company I talked to about paying my balance in installments of {$50.00} was XXXX, not XXXX. Now diversified consultants ( on the behalf of XXXX XXXX tried to access my account for {$50.00}. I was told they would only access it once if not successful I would have to call to set up another payment. Instead they kept charging my account first the {$50.00} then {$10.00} overdraft fee, pushing my account to a negative $ XXXX. I was in between jobs waiting for my first check and it took a dent out of it before I even got it. I tried calling they put me on hold and never came back. A XXXX time they sent me to a voicemail and never called back. I even sent a message and I still have n't gotten a response. I do n't even remember giving them my account number I thought it was XXXX I do n't know I could be mistaken. Either way I ca n't even get in contact with them to be provided proof or documentation, of anything. I now have to change my account number, because they just keep going in my account.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Please see attached summons as proof of their negligence and storytelling abilities. I thank you for sending a timely response regarding a previous complaint, case number XXXX. I read the Banks response and they are not telling the truth when they responded that I was a third party to this matter and their claim to need more info. Deutsche issued the civil action summons docket # XXXX in person to the executrix. The summons lists me first ( as deceased XXXX XXXX 's heir ) and then XXXX XXXX as executrix XXXX 2015 for this mortgage. If i 'm a third party why am I listed first. XXXX XXXX is the servicer and they seem to be handling the foreclosure. I, along with the executrix sent proof multiple times of her role from the probate court as Executrix in order for them to talk to us. I still have n't been served only the Executrix in person. They give different fax numbers etc. The lawyers have not submitted any paperwork that was requested in our summons response.
Consumer complaint received 2015-05-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MD)

In XXXX I signed a contract to purchase a car with Ally Financial through XXXX XXXX XXXX. My XXXX payment was due XXXX XXXX, 2015. In that time, I suffered some financial difficulties and could not make my minimum monthly payment. I spoke with a representative of Ally to notify them of my situation and hoped that we could make alternative arrangements until such time as I got back on my feet. I informed them I could n't make the minimum monthly payment of {$170.00}, but I could make at least {$100.00} payment every month. The company refused to lower the payment amount, and is now harassing me with telephone calls asking for payment. They call me on my cell phone, they call me on my work phone ( State agency ), and they call my home number which is no longer in service. They have at least XXXX different representatives call throughout the day, every day, seven days a week. They are also sending me threatening letters in the mail, telling me that they will repossess the car if I do n't pay the minimum amount every month and make another payment to catch up what 's left. I am doing what I can to ensure they are at the least getting something. I have no alternatives.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha e filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, 2015, I sent Experian a dispute regarding a judgement ( ID : XXXX ) that I was notified was showing up on my credit report, however, even through I provided them documentation showing this account was associated to XXXX XXXX XXXX, whereas, I am XXXX XXXX XXXX, Experian refuses to remove the judgement not associated to me. The judgement is question is assciate to my son not me.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX ( XXXX ) put myself in collections for failing to repay a {$510.00} advance paid to me in XXXX. I submitted the dispute to XXXX during the XX/XX/XXXX and upon their investigation, my supervisor crossed my information out of a customer 's application, so they said they would erase the paper trail. 
Fast forward 4 years and I still find their collection attorney firm, XXXX XXXX and XXXX on my credit report. I mail a letter to both parties demanding removal and ask for fair compensation as my credit score increased by approximately XXXX points once XXXX XXXX removed the adverse account and I was turned down for financing during the time XXXX XXXX was on my credit report between XXXX and this year XXXX. 
XXXX 's says they requested XXXX XXXX remove themselves from my credit report at the time and that XXXX XXXX failed to do so. I have seen no proof of this and XXXX 's believes they are not liable for any violation of my consumer credit rights since XXXX in which I fundamentally disagree. They now continue to ignore correspondence requesting for fair compensation.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

Placed a call to customer service to learn why security questions were changed rapidly within 5 minutes of logging in/out. Upon return to www.FirstCitizens online.com to log on my security question was changed to request information where my mother was born. I did not authorize nor set this question myself.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

I HAVE A FORECLOSURE SALE SCHEDULED FOR XXXX/XXXX/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DECISION NOR HAVE I BEEN PROVIDED A 30 DAY APPEAL PERIOD. INSTEAD, I HAVE BEEN GIVE A FORECLOSURE SALE DATE. MY SERVICER, RESIDENTIAL CREDIT SOLUTIONS, PREFERS TO PROFIT BY ANY AND ALL MEANS - EVEN IF IT MEANS TRAMPLING ON THE RIGHTS OF HOMEOWNERS AND VIOLATING THE LAWS.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

A fraudulent account is appearing on my Equifax credit report. I believe I 'm a victim of identity theft and have disputed this account with Equifax. 
Equifax refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX Bank XXXX, account number XXXX has been rude, unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.