davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I paid additional money over the past few years that was supposed to pay down my principal. Instead, Chase kept the money and called it an " advance payment. " After several complaints they finally applied my payments as principal but they did so effective just this past month, when I actually made the payments years ago. I need them to make the payment effective retroactively and reimburse me for my interest that they overcharged me during the past few years. I am also waiting for a detail of all my payments made. I need the accurate new principal amount made immediately so my arm, which readjusts in XX/XX/XXXX, has the correct new payment, which will be lower than what they are charging me.
Consumer complaint received 2015-06-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Concord Resolution Inc (Closed) (KY)

Concord resolution has been harassing my phone, employers phone and other members of my family claiming that I took out an online payday loan over four years ago ( 2011 ). they are claiming that I owe the amount of XXXX XXXX and XXXX XXXX dollars. I asked for more information and received a brief letter stating the same information in which I was told over the phone.there are no details as to the date of the loan, the original amount and if and when any payments where made.i do not recall ever taking out a loan and after looking up this company each story is similar to mine saying this is a scam.please help to get this issue resolved.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NH)

Hello, I as a consumer of Chase Credit card, my APR for this credit card is at 23.99 % never been late or missed a payment. Spoke to a financial manager XXXX who stated that we do not negotiate APR 's and will not lower them. This is outrageous for the consumer when my credit is excellent. I would like some action done on this as there is no reason this should be happening to good consumers as myself.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I have a loan with Chase Auto Loan for a XXXX XXXX XXXX. However, on Thursday, XXXX XXXX, XXXX. I was contacted by a Vendor of Chase Auto Loans at phone number XXXX on three occassions XXXX, XXXX, XXXX hours. which, I dismissed all calls because no messages were left on my phone. I felt that they were telemarketer calls. At XXXX I received a text message from my ex-husband ( after 11 years of divorce ) stating that he had received a call from a lady, named XXXX who claimed to be a skip tracer on the details of the repossession of my XXXX XXXX XXXX, she violated my privacy. She told him that he was XXXX of my references on the loan and that my son was a co-signer both statements were untrue. It digusts me that she would tell such blatant lies. 
He then got in touch with me and told me what he was told. My ex-husband is a XXXX XXXX and will assist in pursuing a resolution to Violation of Privacy matter. The vehicle is no longer in reposession status. 
I have serious reservations that anyone who chooses to can violate someones privacy without any concious for doing the wrong thing. I feel if this was done to me, it 's happening to many others who never file claims.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Williams, Rush & Associates, LLC (WA)

XXXX XXXX, a company that I worked for, sent a loan that I took with them to attend a XXXX XXXX, to a lawyer group within a week or two of me leaving the company. That lawyer group then contacted me telling me I had to give them XXXX % up front, then pay {$250.00} a month, otherwise they would file a lien against my XXXX preventing me from being able to obtain a job using my XXXX. When I told the lawyer group, Will Rush, that I was unable to meet those terms, they said I should borrow money from someone in order to do so, because they were going to file the lien if I was unable to. The lawyer group refused to work on a reasonable repayment option with me.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AL)

when I got the loan in XXXX 2015, I told the dealer that a due date of the XXXX would not work for me can I change it. They told me yes contact Ally and they will change it. When I spoke with Ally I asked about changing due date, they told me to make XXXX payment then they would. I inquired again on their website and was told to call. The agent I spoke with said it was changed and I had to pay a fee of XXXX for the change. She did n't say when, said I would get it in the mail. Today XXXX/XXXX/2015 I have been called by Ally collections XXXX times and it is only XXXX am. I spoke to them on the last call and the agent told me I have to pay now, today or it wont go through. I told her that was why I changed dates so it wont be late anymore. She kept pressuring me to pay now, or this week. XXXX I was never told of the change fee originally, XXXX if my due date is not until the XXXX now why are they calling still asking for me to pay. I explained to the girl today that XXXX of the month I have rent, utilities, other car payment, insurance and there is just not enough to pay the XXXX payment. the middle of the month is good for me and I can pay then and not be late. She would n't listen only pressuring me to pay now and said I would have late fee if I do n't pay. How can I have late fee on something not due yet? On top of that Ally uses off shore people to handle their calls and they do not speak XXXX very well. Hard to understand them and they can not understand you. I could tell she was just reading from script. I am trying to save everyone time and money by changing dates but they are making it very difficult.
Consumer complaint received 2015-07-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (MI)

Problem-Garnishment of Funds by Blatt, Hasemiller, LeibskerXXXX & Moore LLC for a XXXX account that had been settled. 

The law firm of Blatt, Hasemiller, Leibsker & Moore LLC. BHLM garnished my income tax returns for an account that had been previously settled. I had already submitted the paperwork to them a few years back. After coming across that old documentation again, I re-submitted it to the law firm on today XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail stating that the firm did an investigation and can find no evidence that this account was ever settled or paid in full. I also was sent a copy of a Request and Writ For Garnishment ( Income Tax Refund/ Credit XXXX dated XX/XX/XXXX I never received. I do have a copy of the Request and Writ For Garnishment ( Income Tax Refund/ Credit ) that I had received and do n't understand why there are now two.
Consumer complaint received 2015-07-07
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PNC Bank N.A. (PA)

My mother died XX/XX/XXXX. 
Her house still had a mortgage. 

My brother is executor and lives in the house. 
He has been trying to get a mortgage from PNC in his own name, but PNC is stringing him along with lies and false promises. 
He was paying the mortgage, but defaulted in XX/XX/XXXX. 

PNC bank has filed foreclosure suit against him, me, my son, and my nephew for the debt. 

My son, nephew and I have nothing to do with it. 
It is not our mortgage. 
It is not our house. 
It is not our debt. 
It is not our responsibility. 
It should n't be our problem. 

We have relinquished all claim to the house, in writing, XXXX TIMES. 
PNC Bank and XXXX XXXX XXXX, PC, repeatedly state that they are a collection agency and these are attempts to collect debts. 

Despite our request to do so, PNC and XXXX have failed to provide us with a single document indicating our responsibility for this debt. 

They refuse to remove our names from the foreclosure action, even though they have admitted on the telephone that they know we do n't owe the money, they continue to state in writing that they are trying to collect payment. 

The foreclosure suit has been stayed pending my brother 's completion of the court 's " Save Your Home Program ''. 

PNC 's and XXXX 's claims that I, my son, and my nephew have defaulted on this mortgage constitute LIBEL.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NC)

Paypal gave me a line of credit, as a person under the age of XXXX, without a cosigner or proof of income when I am aware that there is a credit act that protects people such as myself. I did not intend to apply for credit, and have never used paypal before so I used the payments as instructed. Not only was I deceivingly signed up for credit, I was not protected as a minor by paypal in those terms. Since I did not know it was credit, there is now unpaid interest and late fees on my account.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I received a negative credit report due to defaulted private student loans. Subsequently, I negotiated with my lending company and agreed to a full and complete settlement on XX/XX/XXXX. On XX/XX/XXXX, I formally requested ( via a letter from my lawyer at XXXX XXXX XXXX at XXXX University ) that the debt collection agency ( XXXX, XXXX, & XXXX ) update that information with all XXXX credit reporting agencies. 

As of Monday, XX/XX/XXXX, my Experian credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX ( XXXX XXXX XXXX ). Visible are a " Payment History '' section, and Status Details reading " This account is scheduled to continue on record until XX/XX/XXXX. 

Likewise, as of Monday, XX/XX/XXXX, my XXXX credit report incorrectly shows my account with XXXX, XXXX , XXXX XXXX in addition to a second listing with XXXX. ( These XXXX listings pertain to the same loan which changed hands several times between XXXX, XXXX, and XXXX. ) Both of these accounts show as " open '' and " placed for collection. " My XXXX credit report was correct when I pulled it in XX/XX/XXXX. 

The Fair Credit Reporting Act creates a " duty to correct and update information '' for entities that furnish consumer information to credit reporting agencies. Because I paid a full and complement settlement of this debt, I am requesting that you assist me in ensuring all necessary changes to update and report this debt ( in all its names ) as paid, closed, and settled with all XXXX credit reporting agencies.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to forward documentation on experian.com/upload. 
I uploaded the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Experian on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have received it and would update me within 30 days. 

On XXXX/XXXX/XXXX, I received a letter dated XXXX XXXX, XXXX notifying me of their dispute and investigation decision. I wondered if they even did an investigation. The letter stated to contact XXXX ( Mortgage Fraud Account ) and XXXX ( Cellular Account Fraud ) directly. 

I contaced XXXX immediately and found out they do not have a fraud department nor would provide me with the lenders direct contact information. I also contacted XXXX and all they wanted was me to pay the balance on the fraudulent account. 

I then sent certified mail with return receipt to Experian on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Experian received letter on XXXX/XXXX/XXXX. 

Experian sent me a letter dated XXXX/XXXX/XXXX, requesting for the same information already sent in order to block the items. 

I called Experian today, XXXX/XXXX/XXXX, to see why. They stated that the police report was invalid and the the FTC Report was invalid. I explained to them that all information sent was valid. I explained to the rep that XXXX received the same documentation and was able to rectify the errors on the report immediately. The rep offered an Experian product since I was a victim of fraud. I declined the offer and hung up.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

After I requested information from the credit bureau company they sent me a letter telling me they needed more information and that the S.S. # I gave them did not match the identification in they 're database. I however sent them more proof, including a letter from the S.S administration. The next letter they sent me was to inform me that either I did not provide the sufficient amount of information or I have not established credit history.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have a PMI on my fixed Santander Mortgage. I asked Santander to please send me the parameters for PMI removal. I have enclosed that letter ( PMIRemovalLetter ). Also copies of the appraisal ( Co-opAppraisal ) and the PMI removal request letter ( PMILetter ) all of which satisfied the PMI removal criteria as stated in the Santander PMI removal letter. In addition I am enclosing their denial letter ( PMIRemovalLetter ) and the page of Santander approved appraiser list showing the company that issued the appraisal. 
They gave XXXX reasons for the denial : none of these issues were points in the original letter and also do not affect the appraisal value. I understand the clerical error stated in point XXXX and I will address that issue if necessary. But, the only difference in a new appraisal by the same exact appraiser that I can see is to generate a fee for Santander. 
I have fulfilled the conditions as requested by Santander Bank, N.A. and I am asking that they honor their written word and terminate the PMI if not from the original date of receipt ( XXXX/XXXX/16 ), then as soon as possible. 
Thank you in advance for your kind assistance in this matter. Please let me know if I can offer any further clarification and/or information to facilitate this process.
Consumer complaint received 2015-04-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (PA)

Paypal restricted permanently my accounts with them. I understand it is their business decision to not do further business with me but they are withholding my funds for 180 days before they release them. Upon contacting Paypal I was informed that this policy was due to potential charge backs / transaction disputes that may occur due to use of credit card and that the provision was part of their user terms and conditions. 

Paypal User terms and condition state that : '' XXXX Actions by PayPal - Restricted Activities. 
( ... ) e. We may hold your Balance for up to 180 Days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' I find that the period of XXXX is unreasonable in this circumstances because : - There is no risk of liability - my existing balances were from transfers from other users which loaded their accounts with Paypal MyCash which, according to Paypal terms and conditions, are non-refundable ( hence, the risk of liability from Paypal is non-existent ) - I am not involved in any prohibited activities described in the acceptance user policyI wish for Paypal to refund me XXXX, which is my existing balances across my accounts. Reference numbers : XXXX - XXXX - XXXX
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MO)

I was approved for the Macy 's store credit card in XXXX, 2015. Two weeks later I applied for the Macy 's American Express credit card and was approved. On XXXX XXXX, 2015 I received a letter from Macy 's providing the pin number for the American Express card. I immediately called Macys and informed them that I still have n't received the credit card. I was advised that the card would be closed down and a new one would be sent. I called them back on XXXX/XXXX/15 and informed them that I still have n't received the credit card. Was told once again that a new replacement card would be sent out. On XXXX/XXXX/2015. Still no Macy 's American Express credit card. When I called them on XXXX/XXXX/2015 I was told due to all the issues of not receiving the card that they would overnight it to me free of charge. On XXXX/XXXX/2015 I received the so called overnighted card. Not only was it not overnighted as I was promised, it was a replacement store credit card. I never requested a replacement store credit card. I never advised Macy 's that my store card was ever lost or stolen. So why was I even sent a store card to begin with. As of XXXX/XXXX/2015 I still have n't received the Macy ' American Express credit card that I was approved for over 2 months ago. They cant claim address problem. I did receive the letter containing the pin number. Even after I moved I purchased a {$1100.00} mattress set within the last 2 weeks which was delivered to my new home address they now have on file. Their customer service department is just completely terrible.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

To whom it may concern, I am writing this letter to complain about services from Select Portfolio Servicing XXXX Inc. ( SPS ). They have been managing my load for the past couple of years and I have had a horrible experience with them. I have been asking the company to remove my home owner insurance from the escrow account since XXXX of 2014 and the failed to do so. I wrote letters and called many times and every time I heard a different and usually conflicting story. They deferred this request few times and never resolved the situation. Each time that I talked to a representative I heard a different story. It has been a frustrating experience for a simple request. I felt responsible to write this letter and complain so this type of behavior and services are prevented for other citizens. 
Thanks
Consumer complaint received 2016-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (NY)

The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.