davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I am filing this complaint because Ditech Financial is unjustifiably holding my escrow overage of over {$500.00}. My mortgage escrow account was due for a yearly analysis XX/XX/2016. This was the procedure for prior years and was noted on Ditech 's online website. XX/XX/2016, I noticed that the analysis STILL had not been done. I forwarded an email to them and the next day the analysis was finally done. The analysis showed an overage on my account which was mailed to me. The problem, in addition to being one month late, was that I had moved just as this check was mailed to me. I waited for three weeks and when the check and analysis was not forwarded by my post office, I sent an email to Ditech instructing them to stop payment on the check and issue a new one since I believed either it was lost or was being returned to Ditech. The check finally arrived a few days later and I decided to deposit the check since I had heard nothing from Ditech in reply to my email. The check cleared and I assumed the matter was settled. However, Ditech withdrew the money from my account. When I called them in early XXXX, 2016, they said they had done what I had requested. In fact, I requested a stop payment NOT a withdrawal and I told them to reissue the check and send to my new address. So they did NOT do what I had requested in my email. The withdrawal occurred on XXXX XXXX, 2016 and as of XXXX/XXXX/2016 ( nearly two months ) I STILL have not received the replacement check. Ditech has no right to hold on to this money. I believe they are trying to float the money which is profit for them using my assets. This should be and may well be illegal. I have written them numerous emails trying to get this resolved. They, in turn, have done nothing except send form letters that they are " reviewing my written request ''. There is nothing to " review ''. They clearly have an obligation to give me my escrow overage money and are using stalling techniques to avoid paying me what they have owed me for over 4 months.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2012 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$92.00}
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On Saturday, XX/XX/2021, I inquired about opening a Chase First Checking account for my XXXX-year-old daughter. I was told I needed to have a Chase account for myself in order for me to get her account. I opened a chase account ( XXXX ) for myself as part of the steps taken needed. I wrote a check ( # XXXX ) for {$550.00} from my XXXX XXXX XXXX  account to open this new account for myself. 

A few days later I opened up the Chase First Checking account for my daughter on the Chase app. A few days after that, I noticed her account was no longer accessible. On XX/XX/2021, I called to get details on what happened. I was told to call XXXX, option number one. I called this number on the same day, XX/XX/2021, at XXXX and the call lasted for approximately twenty minutes. 

This is when I was told the check I wrote from my XXXX XXXX XXXX  account hadn't been cleared and that the representative made the decision to close my account because she contacted XXXX XXXX XXXX  ( XXXX ) and claimed that XXXX said that check number XXXX, written eleven days prior to the call, would not clear because of lack of funds. 

I contacted XXXX  because I knew the Chase representative was absolutely wrong and did not do her job properly. XXXX told me that check had already cleared and that it was on Chase 's end. This Chase representative gave me false information on why the account was closed. I need transparency and need to know the reason for the account closure. 

I strongly suggest Chase listen to the recorded call that occurred on XX/XX/2021 at XXXX that lasted for twenty minutes. The representative does not know how to do her job, asks questions but does not listen, and should not deal with the public. 

Although, I don't open checking accounts often, I have never had issues with opening, closing, or maintaining my accounts. I am not sure how this looks to XXXX  when a bank closes an account on a customer. The closure was absolutely not my fault. 

Please review my XXXX  documents and the communication between myself and XXXX  that shows the dishonesty of the Chase representative.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (NY)

I hope all is well. 

I booked a hotel reservation through American Express Travel. The representative clearly stated over email ( I have the supporting documentation ) that my reservation could be cancelled without charge anytime prior to 7 days before my arrival. 

Due to an unplanned work commitment, I have to cancel the vacation. However, AMEX is charging me the full amount and refusing to refund for the hotel stay - despite the fact that I cancelled well before the allowable date as stipulated in my original, written correspondence with AMEX I appreciate anything you can do to help. This is an unfair violation of my rights as a consumer by a large corporation.
Consumer complaint received 2021-02-12
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: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX  XXXX, and XXXX XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is XXXX/XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-12
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: HYUNDAI CAPITAL AMERICA (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX Card. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

Good Morning, I filled a dispute on a XXXX transactions to XXXX bank on my Debit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX Transmission and got One year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX Transmission and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 

Attached is the e mail I send out to XXXX bank and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX transmission to cover the cost and they are investigating. 

Attached is the letter I send to XXXX bank. 
To Account : XXXX bank Date : XX/XX/2016 Account Number : Checking XXXX Subject : All Other Reference : XXXX Hello I called few days ago regarding XXXX transactions from XXXX Transmission from XXXX 2016. 

XXXX for {$500.00} and other for {$1300.00}. 

XXXX transmission did repair on my Car and promised me warranty for one year and also put new Valve Body in the transmission. 

Transmission completely failed few days ago and I was stuck in the road on my way back home. 

I tried calling XXXX Transmission couple of times no answer and I tried called Manager XXXX XXXX who dealt with me he also does n't answer. 

I went to the XXXX Transmission in person. Business is no longer available and as per new owner they were evicted and business has changed Name. 

I have all proofs and took pictures of the new firm occupying the place. 

I would like to have full refund of my money because I have to pay again for the repair of the Transmission to a new company. 

Hope to hear for you soon and I would need extreme help for XXXX bank on this. This is totally unacceptable of XXXX Transmission. 

a ) I have proof of the warranty paper for one year for the repair. 
b ) Proof of the new repair fro new company that Transmission is not working and I have to pay all over again. even tho for Valve Body that XXXX Transmission replaced in new. 
c ) Picture of that there is new company under the same address. 

I am ready to provide any documentation or proof to prove my case. 

Best Regards,, XXXX
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I’m in the process of getting my house refinance with XXXX  For the last two weeks they have tried to pull my Equifax report without success. Each time it gives them error code XXXX. I called Equifax several times for help and they told me there’s nothing they can do for me. This is my last step to try to close on this loan. I hope you can get Equifax to fix this error that’s preventing XXXX  from pulling my credit file. Thank you.
Consumer complaint received 2016-11-04
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BMO Bank, N.A. (IL)

On XX/XX/2016, at XXXX, I went to an outside ATM machine at BMO Harris Bank, XXXX, IL., to withdraw {$640.00} from my XXXX card. However, the ATM never dispensed the money, money never came out, though it gave me a receipt as if it had given me money. The next day I went back to the bank to speak with the bank Mgr. ; he told me that BMO do n't manage the ATM 's outside, though they have BMO 's name on them. So I contacted XXXX to open a claim. On XX/XX/2016 I got an email from XXXX informing me that the 3rd party vendor who manages the outside ATM 's at that location submitted documents that indicate the ATM 's showed no surplus. But regardless, the machine never gave me money that night, and I 'm very confident the bank 's and ATM 's cameras ( which I 'm quite sure they are equipped with ) will reflect this.
Consumer complaint received 2021-02-12
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  XXXX, CBNA, and XXXX XXXX. The Account Opened is XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} ( less than 24 hrs later, but different day ) XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 ATM says I have reached my limit for the day, but I have not. 
XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX TODAY- says I have reached my limit for the day, but I have not. 

So, I called the number on the back of the card, customer service rep says that you can only do one withdrawl in a 24 hr period. I mention my withdrawl history of XXXX to XXXX, less than 24 hours and no problems. They have no response. I said so I have to wait until after XXXX tonight to take my next advance then, as that would be 24hrs since my last withdrawl, they say no, I have to wait an additional 12 hours because I am penalized for trying to take my unemployment money out before the initial 24 hr period was up. I said you do realize that this is my money, my unemployment, I use to feed my family and pay my bills right? Unacceptable, i am ready to call local news station.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NV)

I requested information on the report be validated. The report shows that this is a charged off account. There is a past due balance. if the account is charged off there is no longer a balance and should not show past due. There is a {$310.00} that was written off, yet there is still a balance of {$730.00}. There are reporting inaccuracies and needs to be removed.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (KY)

In XXXX 2014, I unexpectedly lost my job and my wife was battling serious medical issues. We proactively contacted Citi mortgage and requested assistance with a home refinance or modification. The Citi representative informed us that we were not eligible for any home assistance because we had never missed a loan payment in ten years. The Citi representative told us the only way we could get assistance was to get behind in mortgage payments. In 2014, my credit score was XXXX. It took me ten months to secure out of state employment again and during that time we did fall behind on our home mortgage payments as we informed Citi would happen without assistance. We followed Citi 's advice and have been trying to get approved for a mortgage loan modification for almost two years. 
In XXXX, Citi wrote off the {$69000.00} second mortgage as bad debt because we were {$5000.00} behind in payments. We had been making some payments on the loan but stopped when a Citi representative told us it was n't necessary while the case was under review. We have been given inconsistent direction from Citi representatives throughout the entire process ( very frustrating ). I have been making payments on the first loan as best we could to show good faith, but have been waiting since XXXX for a decision on our loan modification request. 
We feel Citi is intentionally trying to foreclose on our home by preventing us from completing the loan modification process. We have provided them with all requested documentation numerous times only to be told something has n't been received or was n't completed properly. Each time we submit information, it takes several weeks to get a response and then they request us to submit the same information again. The current loan specialist assigned to our case is supposed to call weekly and has not called in the past two weeks. She has hung up on us during previous conversations when we press for explanations and does not respond to email requests for information. Trying to complete this loan modification process is causing XXXX and XXXX on us. We feel we have been unfairly treated by Citi, despite our good faith efforts to provide them with all required documentation. We are no closer to completing the loan modification after two years of effort. We want to keep our home but we need assistance immediately.
Consumer complaint received 2021-02-12
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 — Problem with personal statement of dispute
Company: BANK OF THE WEST (UT)

This complaint is in response to the Bank of The West account. They stated that I made a payment last year. I have not made a payment for YEARS. I need proof that this payment was made by me. Also this account has been on my credit for 13 years. I have made several attempts to resolve this debt in that time but never can really come to an agreement with y'all. I paid the debt 3 times now and you have repossessed the RV, you have made a lot of money off of my deal with you and although i did default you got your money 's worth and continue to ruin my credit. Again I have not made a payment to you in a really long time. This debt is super old and i do not owe you this debt. I did not make payment last year, i refuse to make any payments and i have for a while now since you're very difficult to work with. I need an itemization of the payments i have made including account numbers so that i can match those to my records. Regardless I need this debt removed from my credit file. It has been there for 13 years and if i need to contact he attorney general and file more complaints i will. You are erroneously reporting and adding payments to my account to restart the statute of limitations and i will not let you continue to hurt my scores.
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021, I spoke with agent XXXX agent IF XXXX requesting my payment to be extended due to an extenuating circumstance. I was recently in a car accident and I wont be able to drive. They denied my request and I escalated up the channels through Chase Auto Finace and they still denied my request. I need my payment to be extended for 1 or 2 months due to financial hardship and I would like your assistance to make it happen.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I withdrew {$500.00} from XXXX on XX/XX/2021 at XXXX from Coinbase XXXX The funds were never transferred into my bank account. I've called and sent two emails requesting assistance on this matter. I received two case numbers. The first case # XXXX was issued to me on XX/XX/2021. The second case # XXXX was issued to me on XX/XX/2021.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (OR)

XXXX XXXX I filed complaint against XXXX XXXX operating credit card reader for my private practice as XXXX. I enrolled as result of XXXX advertisement claiming a 1.59 % per swipe fee. I had been using XXXX - but decided to switch over. When my first invoice arrived I was shocked to XXXX that in addition to 1.59 % there were other fees and charges totaling almost 17 %. I called to cancel and was informed that I had three year contract and would be billed per month regardless. XXXX XXXX, XXXX I filed complaint with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX I received email notice of closure of my account. 
On XXXX XXXX XXXX I received Debt Collection notice from Eastern Account System of Connecticut , Inc. in the amount of {$76.00}. I contacted them by phone - and contacted XXXX XXXX XXXX XXXX XXXX regarding this alleged debt for which I have documentation of account closure.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

I owed a debt on a pass due traffic ticket to Alliance One. In XXXX, they intercepted my state tax refund of {$190.00}. In XXXX i qualified for the XXXX XXXX program reducing what I owe to about {$88.00} including the {$50.00} processing fee. I paid the processing fee up front on XXXX XXXX. I should get back approximately {$150.00}, but Alliance One claims this money is theirs to keep because the tax refund intercept is considered a payment that is irrelevant to the reduction of the traffic fine. I suspect this is a fradulent claim.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My daughter went into several car dealerships in XXXX XXXX and trying to get loan in her name and the dealerships ran my credit without my permission. They did not get a written consent nor a verbal consent to run my credit. I had already gotten financing through my credit union but she was trying to do it on her own and they mislead her and ran my credit as well as hers.
Consumer complaint received 2020-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

I was a victim of identity theft and I notified the company involved. Jefferson Capital SystemsI asked for them to provide me with documentation that validates this debt and establish ownership : such as a signed application, identifying documentation provided at the time the account was opened. They sent me a billing statement, nothing else. I requested either they validate the debt or remove it from my credit report also that they notify the credit bureaus to do the same.