davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (CA)

Trying to be brief : however this has been going on for a year and a half. I bought a product while in XXXX XXXX XXXX. I received a phone alert asking me to confirm or deny - I clicked do not pay, because I wanted to check the company out first. Next day I tried calling the merchants contact XXXX - XXXX contact said they had no idea who these people were. I tried contacting all merchant contact information, but got no responses. I Immediately contacted Chase credit card and the Chase representative asked me questions and said they should be no problem. Three weeks later I received confirmation from Chase and they removed the charge from my statement. About three months later I received a call from an XXXX office from Chase fraud department - they said they were changing departments from fraud to disputes. They gave me contact information for Chase - which turned out to be incorrect - and they also said this should be no problem, you wo n't have to pay. I have repeatedly written, faxed, called and emailed Chase - as well as visiting a local branch and speaking to many representatives as well as the branch manager. I can not get through - nor could any chase representative - to the department that makes the decisions to uphold a dispute or deny the dispute. Evidently, this is a back-office department and they can not be reached for questioning ; I simply want to know what information they have at hand and what criteria they are using to make their decision. They have sent a letter of denial, but there is no way for me to know the criteria they used and what information they are basing their denial of claim on. In light of the fact that the merchant can not be contacted by me or chase, I feel this must have been a mistake made by Chase Bank. I have done everything I could to protect Chase bank, but they are not doing their job. I have continued to write and speak with people for the past year, but still I am being charged - now for the interest on the account. 
I have probably over XXXX pages of notes of my letters/emails/phone calls and responses over the past year and a half. The responses are circuitous in nature and it looks like they are simply cut and pasted replies to my communications. I have yet to speak to anyone who can answer my simple questions : who can I speak with that is actually responsible for decision-making? What criteria is the decision-maker utilizing to deny this claim? And what information are they utilizing to make their decision? Why can I not get a response from the executive office or the person who made this decision?
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (FL)

I had XXXX at XXXX hospital on XXXX/XXXX/15 and received confirmation from my health card provider on XXXX/XXXX/15 that they provided payment in full. Since that time I have been contacted by XXXX, XXXX collection agency and now Paragon collection agency. Each time a new collection agency contact was made I provided the explanation of benefits to the company but Paragon is telling me XXXX XXXX XXXX explanation of benefits was incorrect ; I asked for proof that I owe the debt but they said that was not up to them to provide. This has now been credit reported by Paragon and my credit score has dropped by XXXX points. I submitted a complaint to XXXX and they came back and said Paragon states I owe and they closed my complaint. Again, no proof. What must I do to correct? I have never had any collection debts before and this has already resulted in me getting a letter from XXXX that they are closing XXXX of my credit card accounts. 

Thanks for your help
Consumer complaint received 2016-05-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, XXXX I went to chase bank XXXX XXXX XXXX, XXXX XXXX NY XXXX to open up a business account Banker XXXX XXXX XXXX XXXX helped me to open up the account, 11 days later on XXXX XXXX, XXXX I went to the same branch to open up another business account different corporation name same type of business but XXXX was not there to help me so another banker named XXXX assumed to try to open up the account for me but she said she can not find the right code to open up the account so she said she will have relationship manager XXXX XXXX contact me on Monday, XXXX contacted me on Friday XXXX XXXX, XXXX and told me that my business is a high risk and its considered money laundering business and I will need a money laundering officer, and when I told him that I opened up an account 2 weeks prior he told me that XXXX used the wrong code and that account has to be closed as well, and when I told him that I had the same type of business around three years ago and it was running for two years he said that the bank privacy changed recently I asked my wife who was a banker for a few years if there 's such a thing she said there 's no such a thing and how can he assume and accuse me for running a money laundering business if the first account has only {$25.00} in it and not a single transaction has been made and the second account was not open, so the next day on Saturday XXXX XXXX, XXXX we went to the branch to get more details but XXXX was n't there so we spoke to XXXX who assured us that he did n't use the wrong code and the privacy of the bank has n't changed since the patriot act XXXX and he never heard of a money laundering XXXX before, so at that point I felt that I was discriminated against, mislead and accused of doing illegal business, so on Tuesday XXXX XXXX, XXXX I contacted the corporate office located on XXXX XXXX XXXX XXXX NY XXXX to file a complain for discrimination, racial profiling, misleading and accusation of doing illegal business against XXXX XXXX and I was told I will be contacted within XXXX hours from that day, On Friday XXXX XXXX, XXXX I got a call from the Executive office informing me that they will conduct an investigation and I will be contacted once they come up with a decision, On Friday XXXX XXXX, XXXX XXXX contacted me from the executive office XXXX Ext XXXX and he told me that they came up with a decision and they did n't find any discrimination against me and I will need a money laundering program for my business.
Consumer complaint received 2016-06-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bank on line. I make monthly payments to Bank of America based upon the amount shown on line as due and the date due. I get calls from them saying I 'm delinquent. I tell them something is wrong. I looked at a statement mailed to me from them. It shows a different amount than shown on line. I called the bank numerous times. I 'm told something is wrong as their on line is not showing the correct amounts. I was told I would receive credits for late charges. 2 people, 1 from on line banking dept and the other from home loan department both tell me how much and when my next payment is due. I made that payment before that due date. I then received in the mail a statement showing different amounts and a phone call from the bank and that person said I was delinquent.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NV)

Mortgage loan number : XXXX To Whom It May Concern : We received a letter and a package from Chase dated XXXX XXXX, 2016. This letter addressed the application for mortgage assistance. As per our knowledge the borrowers XXXX XXXX and XXXX XXXX had not provided, not requested, not applied for a mortgage assistance. Therefore, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines rules and regulations in regards to mortgage lending and assistance programs. 

The borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed. The borrowers requested that Chase eliminate the current loan outstanding and release the lien in the property in question as a bargain of any lawsuit against Chase for malpractice and breach of contract. The borrowers had never requested mortgage assistance. 

All of these documentations will be submitted to the legal authorities if Chase does n't take the matter seriously and proceed as request for borrowers to release the lien against the property and eliminate the current loan outstanding as pay off. 

If this concern is not address within 30 days of this letter a legal matter will proceed against Chase and subsidiaries. 

Best regards, XXXX XXXX and XXXX XXXX
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Contacted  XXXX   XXXX   XXXX  to ask about the multiple inquiries on my credit report and was transferred many times to where they are giving me hypothetical situation to where they might have happened.   I had an account that was opened in    2015  with this bank and never have given permission or applied for any other services with this company.   If this was in error, please delete the inquires immediately from the credit bureaus
Consumer complaint received 2016-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (OH)

Hello, I am a graduate from XXXX. I pay my loans back to Great Lakes Student Loans. Over the past several months I have been trying to pay back my high interested loans. The way that the loans are set up, I must pay back the standard monthly payment, which applies a little bit to each of the loans I have, including the high interest loans. I have complied with this requirement. I have also been trying to pay ahead by putting extra money into the high interest loans, which are 6.8 % interest. Whenever I call to pay ahead, the person that I talk to on the phone tells me very clearly that I am up-to-date on payments, and that the money I pay ahead will go directly to the high interest loans that I am requesting to pay off. After about a week I will check my account to find that they have not done that, and instead have applied a little of the money I pay ahead to all of the loans, not specifically to the high interest loans. My online account says that I am even paid ahead until XXXX 2017, yet I can not get through to the customer service at Great Lakes Student Loans that I want these high interest loans paid ahead. I have talked to them so many times about it and can not get them to comply. I do n't know what to do about this anymore. I would really like to pay ahead on the high interest loans but the representatives that I talk to at Great Lakes simply wo n't apply the money correctly. If there is anything that can be done please help me. I really feel like I 'm getting XXXX out of money.
Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Midwest Recovery Systems (FL)

Midwest Recovery Systems, LLC reported to the credit bureaus that I had an account placed in collections. According to XXXX data the company placed the account into collections on XXXX XXXX, 2016 and reported an unpaid balance of {$480.00}. Midwest Recovery Systems, LLC indicated that the Date of 1st Delinquency XXXX. I was never notified in write about the attempts to collect a debt nor any information sent to my address indicating what I had a debt with this company.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (NC)

I received a credit alert from my monitoring company on XX/XX/2016. According to XXXX, Care Credit reported my account to the Credit Bureau after a purchase that put my card 200+ dollars over the limit. I was never notified by Care Credit that I was over the limit. I seldom use the card, and have never been late or defaulted on a payment. I do take advantage of the promotional period, however my account is always paid before the promotional period ends. As a result of Care Credit reporting the account to the bureau, my credit score may be negatively affected when I actually never defaulted not was late on a payment. Today, I made a XXXX dollars payment to bring the account under the limit, and once the remainder is paid using the promotional period, I will never use this card again. I was poorly treated and lied to by XXXX customer reps and a manager from a call center that appeared to be in XXXX. They were quick to report the over limit but refused to help me resolve the situation.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (DC)

I mistakenly submitted a XXXX payment online on Saturday, XXXX/XXXX/2016. Within an hour of doing this, I called Citibank to put a stop to this payment. They assured me that they were going to stop it since it had not been submitted to the bank and my account was not credited. Today, I found my account having been debited with the same amount. They are now telling me that they can only effect a stop payment 3 days prior to the submission of the check.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NY)

I stopped using my XXXX Credit card several years ago- ( 9-10 yrs ). Not so soon after that I was sent bills from XXXX to pay for items ( {$10000.00} ) I never bought, and alerted them about this. I also asked target on several occasions to send me the original receipts w/my signature. They never sent them..With-in a year or so after that, THEY SUED ME THEY NEVER SERVED ME AND the case went into judgment- I ONLY LEARNED OF THE JUDGMENT WHEN MY EMPLOYER RECENTLY RECEIVED A NOTICE OF GARNISHMENT. 

MY NEW ATTORNEY WENT TO THE COURT COPIES THE FILE AND DISCOVERED THAT I WAS NEVER PROPERLY SERVED THE AFFIDAVIT OF SERVICE WAS INCORRECT. 

I FILED AN OSC TO VACATE THE JUDGMENT AND A STAY WAS GRANTED. 

XXXX IS TRYING TO COLLECT MONIES FROM ME WHICH I DO NOT OWE.
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (MD)

I signed up for a 2 year contract for XXXX @ {$110.00} a month winter of XXXX, and by XXXX they were charging me around {$150.00} a month. I only paid the {$110.00} each month until XXXX XXXX when I had them turn off my service and returned their equipment to them. They are putting the excess charges up for collections. I only owed and paid them the contract amount each month. They broke the contract by raising my monthly bill. Account # XXXX, Amt disputed {$99.00}. I have disputed this in writing with them and copied all XXXX credit reporting agencies. Collection agency is Credit Protection Association , L.P . 
I have copies of bolls and letters if you need them.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One credit card phone representative agreed to remove XXXX 2013, 30 day late they reported as an error because of my XXXX XXXX XXXX XXXX. Immediately Auto Pay was fixed and payment has never been missed in excess of 29 days or more.
Consumer complaint received 2016-09-11
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

AE ( aka Synchrony Bank ) has called my phone 6 times today in an attempt to collect on a past due balance on my card of {$95.00}. They called at XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

hhgregg/synchrony bank, has been taking my payments and not crediting my funds to my account with them..i make my payments on time in hhgregg store were ive purchased my items from, i have all my recipts from the store, but allways say they did n't get the payment and they charge me late fees keeping my account back in errors..there ecstorting money from me!! ... .Please HELP ME with this..
Consumer complaint received 2016-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Wilber and Associates, P.C. (TX)

We were in an auto accident and did not have insurance. XXXX contacted us on behalf of their insured and said they were going to fix the car and bill us for his repairs. His car only had a broken headlight, so we agreed with XXXX billing us. They sent our information to a third party without letting us know and now we are being charged {$2900.00} Wilber and associates contacted us regarding this debt and would not work with making payment plans. When I said we did n't have money to make $ 300 monthly payments, they stated that was n't their problem. They threatened to suspend our driver license and we are willing to pay, but that seems excessive for a broken headlight. They wo n't hear us out to make payment plans less than {$100.00}, wilber and associates staff is very rude..
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (NY)

I had gone into a Wells Fargo bank when I lived in XXXX XXXX California because I lost my Debit card, the teller had me meet with one of the managers at his desk, and they tried to talk me into a college credit card I told him I did n't want another credit card and no thank you I just needed a replacement debit card. Two weeks later I received a credit card and a debit card in the mail. I was so aggravated I worked XXXX jobs and was taking XXXX units in college I did n't have time to go to the bank or to sit on the phone right away to cancel the card. Within a couple of weeks I had a small overdraft and it went strait onto the credit card and at that point I knew this was going to show up on my credit report and I was trying to keep my revolving credit low. Since then I have been trying to pay this card off and close the account but it has cause me to have late payments and has just been a devstaing to my creidt and has blocked me from buying the home of my dreams.This card has been nothing but a headache affecting my ability to get a home, and a new car with a good rate this has been haunting me for a little while now. I had gone into the bank since then and told the teller and she stated I would have to call the bank. I was so shocked that someone could do this and they do n't even want to fire the guy, he was there at work that day I went in and pointed him out to the teller and all she said was to call. XXXX
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

The enclosed XXXX for the Attorney of XXXX signers did not become legally effective until XX/XX/2010. XXXX and XXXX names are listed on the XXXX. This new information further confirms the enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the XXXX of the City of XXXX to claim legal ownership is invalid. XXXX C.F.R. XXXX subsections ( XXXX ).
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

I was a previous customer of Wachovia Bank ( now Wells Fargo ), XXXX, SC in XXXX. During this time frame I had a checking account with debit card associated with my account. My account was forcefully closed due to unauthorized debit purchases that result in an - {$750.00} in my account. I went to my local Branch during this time frame ( off of XXXX XXXX XXXX ) and spoke to the branch manager ( XXXX ) about my account. During this conversation, I was never given an option to file a claim, I was not show the transactions that were posted to my account that resulted in the overdraft, and the branch manager ( XXXX ) stated that there was no remedies for stolen card. 

I have been denied a new checking account since this incident since it was posted on my credit. I have now recently opened a new account and have been educated on the neglect that Wells Fargo did with my account, their neglect to inform me about my options, and their neglect to allow fraud transactions build on my account AND charge me overdraft fees.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XXXX I noticed through my online credit monitoring service that there were credit inquiries on my credit report that I did not apply for. Once I noticed this, I immediately sent Equifax a letter to let them know that these were fraudulent inquiries and that I did not apply for these item AT ALL. I asked them to send me proof of theses applications such as my signature on an application or a recorded conversation. They did absolutely nothing and still are reporting this fraudulent information. Also Equifax has 2 fraudulent addresses that are not my address reporting on my profile. When I called them they said they received the letters and the addresses would be removed in 48 hours. The fraudulent addresses are still reporting and the inquiries are still there.
Consumer complaint received 2016-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: American Financial Resources, Inc. (LA)

I monitor my credit report & score thru XXXX XXXX & XXXX-I recently applied for a mortgage thru complete Mortgage of XXXX who sent to American Financial Resources. My XXXX score from XXXX XXXX, creditwise shows XXXX my score for XXXX from XXXX shows XXXX. My XXXX score from XXXX shows XXXX but when I got my scores back from the mortgage company, they had my XXXX score as XXXX & my XXXX score of XXXX. I know there is some difference in scoring but it makes me think that the mortgage company is trying to get a higher interest rate. I compared the actual reports from XXXX & XXXX themselves against the reports I get from XXXX & XXXX XXXX & there is n't much difference between them. Can you please explain why there is such a discrepancy between these? thank you
Consumer complaint received 2016-11-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation (OR)

I contacted the original creditor and they can not locate a past due balance on my account. The date of service for this bill is XXXX/XXXX/2010, even if it was owed it is past the statute of limitations and in violation of The Fair Debt Collection Practices Act. Oregon 's statute of limitations is six years. I contacted the company after speaking to an attorney all morning and they state that " They can not remove this from my credit report. ''