davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

last year chase bank was informed that i never received the new debit card they indicated had been issued to me/ at that point in time, the bank was contacted because someone had ordered aand services using my bank card. 
the issue was never solved, the debit card never received, at said point in time, the bank was informed to close the acct and return the remaining funds and disputed funds. debit me for disputed funds paying same after being informed of the id theft. consequently, they additionally continued debiting the acct for monthly fees until all funds were disappaited r.after which, the bank continued to charge me for these items placing me in jeporday for same. 
in addition, they fefused to pay two cashiers checks in the amounts of XXXX and XXXX dollars. they have refused to reissue said checks in addition to the items listed above. the checks were issued by wasington mutual bank of wich they were hereditors, assignees, and or heirs to after havingabsorbed washington mutuaXXXX, XXXX XXXX and XXXX XXXX. in addition i have 8 certificates of deposit with the oroginal banks which now exceed 7 figures, again refusing to cure this situation on the part of the bank all attempts to resolve these issues were pursued with due diligence on my part and refusal to correct these errors on their part im a XXXX of a XXXX XXXX
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I am paying my mortgage online through online bill pay. My payment is being rejected by the mortgage company, Loan Care, LLC. Unfortunately for me, I do not find this out until 20-25 days later when my bank finally refunds my on time payment. 

Timeline of events ( approximations on the hours ... the days are precise ) : XX/XX/XXXX - Payment was made XX/XX/XXXX - I hold my Payment for XXXX because I don't know where my previous mortgage money went. I think I'm getting scammed at this point. 
Between XX/XX/XXXX and XX/XX/XXXX - Over 25 hours of hold, >2 call back requests and 2 emails ... I can not get contact with a human. I would either get hung up on or the customer service center would close. 
Between XX/XX/XXXX and XX/XX/XXXX the people who closed on my mortgage contacted someone to get in touch with me. They told me to try my payment again. I said I would wait to make sure I have my money back first since they rejected it. Their response, " We can not reject a payment. '' I have proof that they do. I've sent it to them in email and I also have a second round of proof now that they rejected my payment again! They then tell me I don't have enough funds in my bank account. This is also a complete farce. 
XX/XX/XXXX - Bank refund was received for mortgage payment XX/XX/XXXX - Refund cleared ; payment was sent again. Loan Care processed the payment on XX/XX/XXXX. 
XX/XX/XXXX - I was reported to the credit bureaus for delinquency. 
XX/XX/XXXX - Able to get enough evidence to prove that delinquency wasn't my fault. Sent proof to Loan Care. 
-- End of this issue -- XX/XX/XXXX - Paid for XXXX. 
XX/XX/XXXX - XXXX XXXX for XXXX payment. 
XX/XX/XXXX - Called Customer Support around XXXX ... requested call back. Received callback at XXXX. XXXX said processing fee would be waived and late fee would be waived ; so I asked if I could pay both XXXX and XXXX. He said yes. Unfortunately, I was not prepared with financial information as I was out to dinner and tried to pay with debit card and using my phone with the only access to my bank account. Agent said not possible to pay with debit card but to call back when I got my information and that he noted everything in the account. Agent also  specified that my credit reporting to the bureau was fixed. 
XX/XX/XXXX - XXXX Called customer service. Requested call back. Received call back ~8. Agent refused to waive my processing fee. Why should I pay for someone to take my payment when they deny it online, deny that they are denying it, tell me that they will process it with the fee waived and then deny waiving the fee? I became unhinged, the arrogant agent stuck to her guns ... I hung up and wrote this note. 

Why am I fighting to pay someone something do not want to accept? I should not have to put in part-time hours to get someone to accept my payment. I'm not asking for a hand out. I'm not asking for freebies. I just want to pay my bill and not have it sent back to me.
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P. (TX)

XXXX Hospital did not file my insurance correctly which caused my insurance not to pay the full amount of the bill which now has been added to my credit and has damaged my credit. I explained to the collection agency that i am XXXX and i am on XXXX and XXXX which pays 100 percent of all medical bills and the hospital would need to file the proper insurance to get the proper payments and they refuse. I am on a limited income and can not afford to pay my medical bills which is why i am approved for both insurances. They will not fix their error which is continuing to damage my credit severally.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

submitted my retirement check to bank through mobile deposit next day funds were available. XXXX afternoon, funds were put on hold due to orginator returning check ( XXXX ). Called massmutual who said check was fine. Called wellfargo back and did conference call, massmutual could n't find any reason for return. Well fargo placed funds on hold for XXXX days. Started paying bills and now bouncing.
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XX/XX/XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from XXXX either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2017, I called American Express to remove me from their mail marketing lists. This was in response to being deluged with the same offer in three different envelopes on the same day. 

I had previously called American Express awhile back regarding this very issue and was told I 'd be taken off their mailing lists, but it appears that this was n't respected. So I was forced to call again. And I now feel like I 'm being harassed, and I 'm submitting a complaint to the CFPB because I 'd like to ensure my request to be removed from Amex 's mail marketing lists is honored. 

Thank you.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

This complaint involves my CITI BANK Dividend Card.My XXXX, XXXX statement showed a number of fraudulent charges. I immediately notified their fraud department. I paid all charges that were legitimately mine. They issued me a new credit card. 

My XXXX statement continued to included one of the 6 or so previous, fraudulent charges. It had not been deleted. I called again, and was told that CITI was aware of their error and I should pay only the charges that were ( again ) legitimately mine. I did that & asked that I be sent a letter - or email- as proof that their error had been deleted from my account. I asked for names & phone numbers, and spoke with a " supervisor ''. Nothing ever came. 

My XXXX statement included the same charge, ( over {$700.00}. ) plus interest! I called again, and was told again to pay only my charges. AGAIN I protested, and asked for a NEW STATEMENT. Which they promised, along with admissions of of ongoing error. They said it would take 5-10 business days for their correction to show on my account Today, XX/XX/XXXX, my XXXX statement arrived with the same, fraudulent charge from XX/XX/XXXX, plus more interest charges. PLEASE HELP! 

XXXX XXXX
Consumer complaint received 2016-06-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

I have a loan with US Bank and refinanced and closed on XXXX/XXXX/XXXX. The appraisal for the XX/XX/XXXX refinance was {$380000.00}. I was told I would have to wait until my loan was 5 years old before having the PMI removed. On XXXX/XXXX/XXXX, just before my 5 year anniversary date I contacted US Bank to have the PMI removed. My home value on XX/XX/XXXX per the current market was over {$500000.00} and my loan balance was {$310000.00}. The first representative indicated that I could arrange through US Bank to get an " abbreviated '' appraisal for {$150.00} such that my new LTV was based on current market. She gave me a fax number and email to submit my request to. Upon submitting my request I received a canned text letter back stating the LTV must be XXXX % of original loan value and that HUD does not take into consideration current market value of property. That it 's based solely on the information from closing ( which would be the XX/XX/XXXX old appraisal amount of $ XXXX ). I let the issue go then recently logged into my account and noted that I am now well below the LTV they previously indicated I needed to be to have the PMI removed. Do you think they went ahead and proactively removed it!? NO, of course not. I placed another call and the representative I spoke with again mentioned and questioned why I had n't paid the {$150.00} for an updated appraisal. He said he would contact the PMI department, have them send me a packet in the mail and that I should review the packet and see if I can find anything related to the appraisal option. So I waited for the packet to arrive ... Instead of a " packet '' arriving what I did receive was a XXXX page letter indicating that I 'd met the HUD requirements for terminating the monthly MIP and that they 'd notify HUD and update my monthly payment amount. I would like to be reimbursed for all months they charged me MIP from XXXX/XXXX/XXXX to todays date. It was I that proactively reached out to them several times requesting for it to be removed yet they A. ) did n't give me the appraisal option such that the value was based on current market - as they apparently have for other customers and B. ) continued to charge me the last few months for MIP when I was already at the level they outlined in their letters.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I went to the hospital with XXXX and they XXXX when I return home property management had had maintenance remove my front door because nobody answered it my family had paid the rent in full had been in contact with management so they knew I was in the hospital but they so rudely removed my door when rent was paid in full in a high-crime neighborhood XXXX I stay one night with my sister and became homeless because of this my rent was always paid in full on XX/XX/XXXX as I had Section XXXX housing Choice vouchers get paid a percentage of my rent as well as getting regular inspections of my unit the only remarks were the carpet was worn and it needed painting I had lived there 10 years without so much as even an air filter for my air conditioning I have requested on numerous occasions where I was promised they would bring one right down but it never came also Management on several instances tried to accuse me of not paying the rent but I had taken pictures of my money order receipts this was quickly explained that somebody was stealing from the night drop box when all along manager of property was XXXX. Now I had my grandmother 's antiques that had been appraised all family photos jewelry Electronics clothing everything was gone or damaged so badly it could not be used this is ludicrous if they would even say I owe them money when they are responsible for the door missing the apartments for shortly after condemned and leveled no one ever lived in that apartment after me and the apartment was never repaired this is XXXX XXXX attempt to balance their questionable bookkeeping habits I believe so in conclusion I just want this removed from my report so that I can get into a quality XXXX thank you for your time and consideration. God Bless.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX    )    XXXX   XXXX   XXXX   XXXX    ( I  HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was XXXX out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX  properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can XXXX and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


JPMCB has violated my rights per and have denied me credit. 

Credit - means the right granted by a creditor to a debtor to defer payment of debt - 15 USC 1691a ( d ) 15 USC 1691- scope of prohibition It shall be unlawful for any CREDITOR to discriminate against any applicant, with respect to any aspect of a credit transaction - JPMCB  have discriminated against me, I am currently in the process of receiving supplemental assistance so my " credit '' report is a factor but it is not a sole or definitive reason. 
I am demanding they remove this off my credit report as JPMCB has no right to furnish my information.

15 US Code 1681 - Requirements of relating to information contained in consumer reports- Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years NO adverse item besides the conviction of crimes should be on your report any item that is a deragatory mark is NOT allowed into consumer reports this is another violation JPMCB has violated my rights and caused me emotional distress I am opting out of their services.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Collection XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXXXXXX XXXX Payment XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WA)

I redeemed cashback offers on my credit card and US Bank portal shows offer as redeemed XXXX XXXX Earned : XX/XX/XXXX Account : XXXX {$9.00} However I never received any credit. The agent I chatted with on XX/XX/XXXX told me that I should have got the credit within 2 weeks and they were unable to help.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I owed {$14000.00} back in XXXX since I didn't get resonable payment option. My loans have been placed on forbearance knowing it's going to benefit them. Now in XXXX I'm in {$30000.00} debt due outrageous interest on the principal. They refuse to give income based payment. I was told I'm not qualified for the program. They refused to reduce the monthly bill. I can't afford it meanwhile I still owed {$15000.00} school fees currently pending. I need a full detail of why my original loans double. Please investigate on my behalf. I'm drowning in the educational debt but I didn't graduate yet because my current wouldn't let me register unless I pay the tuition in full. Please help me
Consumer complaint received 2024-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (OK)

On XX/XX/XXXX. this year i received an insurance check for storm damage to my roof which is payable to the bank and myself. 

Per the bank instructions I sent the check overnight to the loan company. 
After multiple calls to the company and many hours of my time i finally found out on Friday i found out that the the check was received and since my loan is in order they would endorse and return the check. I found out yesterday that the check is still being held by the company and i could get no more information except from what i could understand the check may be sent back to me sometime. 

I can not begin the repairs until the check is endorsed and returned, a less than two minute process. 

My mortgage was sold to Freedom Mortgage by XXXX XXXX several years ago