davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I have Chase mortgage for many years, but have experienced a real hardshipbeginning XX/XX/XXXX and had to stop payments. 

But I want to fix situation and I do n't want to lose my property, but needed some help from the bank, so I submitted application for loan modification, which was denied. 
I disagreed with the decision and filed a dispute. 
1 ) while my request was under review in Executive Office ( XX/XX/XXXX ) I received a few letters ( seeattachments ) stating I should wait for " our finding and your next steps ''. But it turns outthat my property had been sent to foreclosure ( sale date was set ) the very same time. 
And my reinstatement amount increased another {$3500.00} ( foreclosure fee, see attachment ) ,2 ) I sent a complaint which was forwarded for review to Executive Office again ( XX/XX/XXXX ) and during review my fee went up again totaling {$5700.00} ( see attachments ) A : Modification denial ( regarding HAMP Tier 2 option ) was based on debt-to-income ratio ( Chase letter dated XXXX XXXX, page XXXX ), but mentioned decision made back in XX/XX/XXXX. 
1 ) When I received original response for my application Tier 2 was not in on a list of viewed options (??? ) 2 ) I was disagreed with numbers used for calculation and been told that housing expenses numbersare based on info received from me over the phone on XXXX XXXX. I do remember not been askedabout house insurance, and if these numbers were added the ratio would fit in XXXX % XXXX % gap. 
I ca n't believe decision ( life changing for me ) regarding modification was based on phone conversation! 
Without any checking! I could say any numbers! 
Now my loan has another investor, but mistake has been done! 
The story is -modification denial was based on wrong numbers, ( Chase mistake!! ) and when I triedto have it fix -I was punished with {$8000.00} extra fee!! 

B : Few times while my application was in underwriting and ( or ) Executive departments my fee go up about {$2000.00} a month. I consider it absolutely unfair. Nobody from Executive office made me awarethat my fee will pile up during review. And this happening during the time I struggling to saveevery dollar in order to be able to pay back my past due amount. 
Seems to me nobody in Chase bank is willing to save investors money and pushing me toforeclosure every possible way ( like extra fee and no modification help ). 
XXXX more time - because of Chase mistake I was denied for loan modification and now my fee about 30 % of all total. 
I 'm ready to pay back all my past due amount, some fee, but ca n't handle all crazy fee applied.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

My mortgage was sold to Chase approximately 15 years ago, and I have had nothing but issues with them since. First, my home was hit by a hurricane in 2004, and Chase held up insurance payments to me during rehab of the property, causing me to pay subs out of pocket, and waiting for months to be reimbursed. I know that was not the intent of the law that sends insurance payments to the lien holder. They only have one department that handles these disasters, and they are located in California, with no concept of hurricanes. 
Now, every year for the last five years, I get a threatening letter with regards to flood insurance. I pay the flood insurance, and have for the last 25 years, on the due date. Their corporate policy automatically sends the threatening letter out if they have not received the renewal by the due date. There is a reason it is called a due date, it is not due before then. Their policy places a unfair burden on the consumer, even though the consumer is in compliance. In discussing the issue with them, I was informed to pay the flood insurance before it is due. I have done that in the past, and I still get the letter, so I assume it is harassment because I would not refinance with them. The reason I will not refinance with them is because of these corporate policies. I 'm looking to refinance with local credit unions so I can get good customer service instead of harassment.
Consumer complaint received 2016-01-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

The Chase Bank has refused to accept US currency as an acceptable deposit. The cash is legitimate, not damaged and was obtained at another bank just moments before I attempted to deposit with Chase. They claimed that it is their companies policy to refuse to accept US currency as a legitimate deposit medium.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (AL)

My husband and I applied online for a Southwest Airlines Premiere credit card and the promotion was for XXXX Rapid Rewards points after we met the qualifications, which we did, but now Chase is not honoring the points we should have received, because they state that we did not get the card during that promotion. I even provided them with the information from the website when we applied that CLEARLY states the XXXX point promotion, but they still will not honor their promotion. I believe this is false advertising, and I have a major problem with that.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (GA)

XXXX has purchased an account that has been discharged in my Chapter XXXX Bankruptcy Filing dated XXXX/XXXX/2012 XXXX Exhibit # XXXX XXXX. The original account was by Chase XXXX ACCT # **************** ). XXXX is reporting inaccurate information to all credit reporting agencies which is in violation of federal law and the fair credit reporting act. I tried written to all reporting agencies in an effort to have this false information removed, but have been unsuccessful ( Exhibit # XXXX XXXX.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

We wrote the letters to Senators XXXX XXXX, XXXX XXXX, and XXXX XXXX as follow ; Dear Senators : We need your help. 
( 1 ) Citing XXXX class-action lawsuits we reported HAMP frauds committed by Chase Home Finance LLC and requested the Office of Inspector General, US Department of the Treasure, to carry out a full investigation on XXXX XXXX, XXXX. 
( 2 ) The Treasure Department forwarded our letter to consumer Finance Protection Bureau ( CFPB ). 
( 3 ) CFPB picked up the case ( # XXXX ). However, an XXXX ( coordinator ) at CFPB is marginalizing the matter as " We vs Chase. '' That is not what we intended. 
( 4 ) Chase probably robbed more then $ XXXX on the HAMP program from the US government over nine years ( since XX/XX/XXXX ) ; and destroyed XXXX homeowner 's lives. 
( 5 ) We ask you to contact CFPB and other agencies to expose the entire Chase 's HAMP frauds ; and help recover all the stolen monies and rescue XXXX victimized homeowners. 
( 6 ) Chase sent us more than XXXX HAMP application forms and some of them said, " Your application is approved. To move forward, send us the following documents .... '' although we did n't apply. We never applied because we knew Chase would defraud as described in the class-action lawsuits. 
( 7 ) You can imagine the scale of frauds from that Chase sent out several XXXX copies of HAPM application forms to millions of homeowners nationwide.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one makes it very confusing for a borrower to navigate its web portals to make monthly payments. Some credit cards you have to log into one site, other credit cards you have to log into other sites. In addition, the electronic notifications are so overwhelming when you layer in all the cross product selling and other email garbage. Then consumer becomes DE-sensitized to the notifications and billing statements and thus become in-effective as a result. 

I am a end user that is negatively effected as a result. I became overly confused and in-inadvertently missed XXXX payment. I have XXXX Capital one accounts and given the onslaught of communication it is difficult to actually understand what is what. I consider myself to be a responsible and savvy individual who is very very busy trying to provide a good life for my family, and if I could be negatively impacted by this.. ANYONE can.. this isnt a devastating event for me, its just a setback, but for another family, something similar could end their happiness.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

I am a Wells Fargo customer, I applied for a personal loan, after applying I received an email saying that they are " Unable to approve your application. '' That basically meant that I was declined. I started digging online as why would be rejected, until I found the news about how Wells Fargo has shut down all personal line credits. A credit report was run, and received a hard inquiry with -1 point of my credit score.
Consumer complaint received 2015-07-14
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (KY)

I owe XXXX XXXX dollars for a snapshot I have not returned. But I am going to. Another thing they charged me XXXX dollars for nothing. I discontinued insurance company and they charged me for it! I will never go to progressive again because they falsified collecting information and charged me tons more than I owe them. Please help.
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/2015 I contacted Chase Bank about my debit card being lost and asked them to cancel that card and I would go into a local branch here in XXXX and get a new one - which I did. While I was on the phone with them, the Representative asked if I recognized all the transactions. I told her there were XXXX I did not recognize, in addition, I had to XXXX more transactions which I had disputed previously, though I never received anything regarding the outcome of the claim. At that time she transferred me to the Claims Department and at that time they submitted a new claim with a total of XXXX charges ( see attached ) :XX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 FormSwift $ XXXXXX/XX/2015 XXXXh $ XXXXI received the response that these charges were processed correctly and my claim was denied. 

I do n't care if they were processed correctly, they were not authorized. 

Please dispute the charges and return my money.
Consumer complaint received 2016-10-31
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated (GA)

I have attempted to resolve this already with Ohio Eppicard, a child support debit card. There are purchases over the course of several months on my account I have disputed, mostly XXXX charges. I become aware of such charges approx XXXX 2016 at which time I notified the debit card company. I was informed the investigation period could take up to 90 days. I recently received notification that the investigation has been complete and I will not receive my funds.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

I have been trying to do a loan modification on my condominium that I have lived in since 1987. My address XXXX XXXX XXXX XXXX XXXX Illinois XXXX. My lender XXXX and servicer is OCWEN. The unit is worth about A {$50000.00} and I owe {$110000.00} I want to do a modification My income has improved and I can make payments I am XXXX years old. XXXX XXXX is the person at XXXX XXXX XXXX
Consumer complaint received 2016-05-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I have a joint youth checking account with my son. He was a victim of a scam. He was approached via XXXX by someone asking if he would like to make money. He sent them his debit card. The scammers then deposited a counterfeit check into his account and went on a shopping spree. The bank now states that we owe them $ XXXX. I do not feel that we should be held liable for the amount owed because we were victims of the scam. At no time during the history of the account has a deposit that larger ever been made, as well it was common for the bank to hold his actual deposits before releasing funds. I believe the bank should have noticed the large deposit and at the very least verified the check before releasing the funds. The counterfeit check was drawn on an account from the same bank. It was deposited in a state that has never bee associated with the account and all the charges were made in a state where the account had never been used. I also have an account with this bank and they have called me before when I was traveling to verify transactions. Why this was not done I can not say. My son is young and fell for a scam. He has learned his lesson but should not be held liable for the criminal activity of others. 

I have included the last XXXX bank statements showing that this activity is completely out of the ordinary for this account. This account has never had a returned item, or a deposit over {$500.00}. The activity should have drawn a red flag as soon as the deposit was made. The fraudulent deposit was drawn on another customer from the same bank in the amount of $ XXXX. I would think the bank would not only verify the check with these customers, but also verify the deposit with us before releasing funds. 

The loss is a result of the bank not having the proper security measures in place and or active. It is not a result of our negligence.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rose & Associates, LLC. (WI)

This is a XXXX time filing a complaint against this company in the last XXXX years. They can not provide me with any written documentation in regards to this debt and the debt they keep referencing is already paid in full via a different agency. Any letters they do send contain different amounts. They keep calling me at work, threatening to send police and send me to jail. When my HR manager tried to contact them it was a scam phone line. If I still owed this I 'm pretty sure my current bank would not have gave me a loan to purchase a vehicle.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX  account ( # XXXX ) on my Equifax credit report. This account does not appear on my reports from other credit bureaus, and it has been reported as sold to collections without my consent. This action violates my right to privacy and other applicable laws. I demand the immediate removal of this account from my credit report and seek compensation for the damages caused by this unauthorized and inaccurate reporting. 

Issues Identified XXXX. Inconsistent Reporting : The XXXX account is only reported on my Equifax credit report and does not appear on my XXXX or XXXX reports. 
XXXX. Unauthorized Sale to Collections : The account has been sold to collections without my consent. This unauthorized action is a violation of my privacy rights and should reflect a paid in full status rather than a negative entry. 

Violations and Impact The presence of the XXXX account on only one credit report and the unauthorized sale to collections indicate a significant issue in the accuracy and handling of my personal information. The sale of my account to collections without my consent violates my right to privacy and potentially other laws, leading to unnecessary stress and damage to my credit profile. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancy in reporting across different bureaus violates this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. Right to Privacy : The unauthorized sale of my account to collections without my consent constitutes a breach of my privacy rights, which involves disclosing sensitive information to third parties without proper authorization.
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

this companyfiled a jugment against myself and tried to garnishee my wages.When I called them via phone to get more details about the account they told me " This is Regarding a XXXX XXXX XXXX Credit Card Account.no futher I called XXXX XXXX and, They told me " WE DO NOT SELL OUR ACCOUNT TO A THIRD PARTY '' THEY SEARCH MY NAME AND PERSONAL INFORMATION GIVEN BY ME. '' THEY TOLD ME YOU DO NOT OWE ANY MONEY TO US. 
Checked my credit report and Icould not find where this account was originated.At the mean time i have this jugment filed in court. 
PLEASE I need help with this particular account.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

For the last 6 month I have been sending information to the three major reporting agencies, ( Equifax, XXXX, & XXXX ). Disputing inaccurate information reporting on my personal credit profile, as a result of identity theft. I wrote letters listing the accounts numbers in question, the dates, and amounts. I also provided police report, the claim information from the FTC and now the CFPB. They continue to say it been verified. This has become an epidemic identity theft is out of control. These are things that should be on the floor when it come to politics.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc. (CA)

This is just a few of so called debt collectors trying to confirm my personal information. The person that called me today was trying to confirm the last XXXX of my SSN. These companies are trying to collect for accounts that have passed the 7 year mark of debt and they are ruthless over the phone. This XXXX in particular told me I did have a personal business matter with them and I had to comply. I ask them who their company was and they told me it was FRS located in Minnesota. After that I told them that I do not have any business with them and and now I would report them CFPB. I receive XXXX to 4 calls a day with harassment. Like I said my debt was pardoned and I am no longer liable for that old debt which they are trying to collect.