davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I executed a HAMP modification to the original mortgage which increased the principal balance from {$230000.00} to {$270000.00}, a difference of {$41000.00}. Based on simple interest calculation of the principal balance pursuant to the terms of the promissory note - including provisions for escrow - only {$21000.00} of the {>= $1,000,000} increase was necessitated to bring the escrow and the loan interest accrual back into good standing. We have yet to receive any indication of who at Chase received the {$19000.00} or how it was applied, only that it increased the principal balance. With a principal balance that was inflated due to the {$19000.00} unsubstantiated increase to the principal balance effective XX/XX/XXXX ( the effective date of the HAMP modification ), borrower overpaid interest through XX/XX/XXXX. On XX/XX/XXXX ( effective date of the XXXX transaction ), XXXX XXXX closed a XXXX deferred loan for an amount totaling {$42000.00}, of which {$4800.00} went to bring interest current on the correct principal balance and {$15000.00} was applied to PITI monthly payments of {$1700.00} over the period XX/XX/XXXX to XX/XX/XXXX. Had the proceeds been correctly applied, {$17000.00} would have been applied to principal on a principal balance of {$240000.00} or those funds would have been available to make PITI payments using XXXX XXXX funds to XX/XX/XXXX ( vs. the end date of these payments on XX/XX/XXXX ). During XX/XX/XXXX, based on the erroneous internal accounting, XXXX initiated foreclosure. Borrower was charged legal fees and late fees which should not have been charged due to the incorrect representation of the balance due and other amounts due. Borrower in XX/XX/XXXX reached an arrangement with Chase to allow her to deploy approximately {$4000.00} she had borrowed from a family member to complete replacement of her roof. She had already expended {$5000.00} for this purpose and needed to spend the additional {$4000.00} to finish the roof. Chase agreed to allow her to do this inclusive of a 90-day payment moratorium, as they desired these improvements be made to the loan collateral. When the servicing rights were transferred to XXXX from Chase in XX/XX/XXXX, XXXX 's representatives in XX/XX/XXXX refused to acknowledge the payment moratorium and thus the dispute between borrower and XXXX, as it related to the balances due in principal, interest, escrow and the payment moratorium, began in XX/XX/XXXX.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CO)

I currently bank with Wells Fargo. Back in XX/XX/XXXX I opened a credit card through the bank. This past month I realized that my credit card was being charged a monthly fee of {$31.00} for " Credit Defense XXXX ''. When I realize this I immediately went into a branch to research what the charges were for and why they were happening. I spoke to a card services representative who indicated that the service was for in the event that I would become XXXX this was insurance on the card to make the minimum payment for me. I did not enroll or consent to such a service. The bank asked for 10 days to respond to me in writing, which they did ; indicating that they had confirmed that I did not enroll in the service. " As a courtesy '' they were going to refund my account {$180.00} for the past 6 months of service charges. The charges began appearing on my bill in XX/XX/XXXX meaning for the services alone ( not including interest charges and other fees ) they owe me a refund of at least {$330.00} which they are refusing to pay.
Consumer complaint received 2018-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (GA)

This is my 2nd complaint against American Financial Resources , Inc. within 4 months for the same problem. I received a notice in XXXX stating my escrow account was low and to either pay a full payment of {$750.00} to escrow or it would be added to my payment amount. I paid the full amount before the deadline. I got a new insurance policy at the end of XXXX, same terms with a cheaper premium. Sent in all of the required information within 2 days. Paying the full escrow amount and changing our insurance carrier reduced my overall payment amount. AFR did not make any changes to my account and I was forced to pay what they said so that I would not have any late payments on my credit report or even risk dealing with a foreclosure notice. After everything was finally updated in XXXX, AFR has still neglected to reimburse the overages paid. My last complaint stated to reimburse the overages of {$120.00} and pay directly to principal. I sent an email to customer service on XX/XX/XXXX and there has been no response. Nothing has been done.I am paying AFR more money by paying interest on a mortgage balance that is incorrect. Since it seems impossible for AFR to transfer the extra money to my principal balance, I want the overage sent to me either in a check or direct deposited back into the account in which it came from. If this is not done in a timely manner, I will be forced to hire an attorney and sue for damages. I have experienced nothing but problems since I was approved to buy my house. The application process is a drawn out joke and financing through American Financial Resources , Inc. is just the same. Customer Service Reps do not know what is going on but they will argue with you to the death. I had one lady argue with me to the point that she was actually screaming at me.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (IA)

Please see complaint number XXXX which was closed because Caliber Homes responded. They did re-apply the funds that they had applied incorrectly, but they still have not taken the derogatory information off of my credit report and it is currently showing with 10 missed payments and currently 30 days past-due. This is having an extreme impact on my credit score and I need help to make them get it removed.
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MS)

I started the process of renewing my IDR plan about 3 months ago. Since that time, I 've received a few emails from FedLoan saying something was n't accepted or that I needed to choose a IDR plan eligible for PSLF if I wanted to continue working toward forgiveness. Each time I 've gotten an email, and it 's been at least 4 times, I 've called FedLoan. Each time, I 've been told that I have uploaded the proper documents and tax information. Last week, I received an email saying that my request was n't processed and that my next bill would be {$4600.00} instead of something close to the {$210.00} I 've been paying for a year. I called and was told that my tax document was n't what they needed. This is after being repeatedly told over the past 8 weeks that the information I uploaded was correct. I 'm now being told that I will likely have to go into general forbearance which would cause my loans to capitalize, adding a several thousand dollars to my bottom line. I spoke with someone today who said I may get an " administrative forbearance '' which may keep my loans from capitalizing but he could n't guarantee it. I 've spent at least 20 hours on the phone with this company and have sent several emails, most of them which have n't gotten a response, since this problem started, and there has been no resolution.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (CA)

- On XX/XX/scrub> 2024 we have received a notice from Loan Depot that they are missing our insurance, so we followed the step on the letter on the same day to submit everything via their web portal - On XX/XX/scrub> 2024 we called Loan Depot, and emailed them the certificate of insurance AGAIN while they are live on the called, and we have got the verbal confirmation that we have supplied all the documentation needed, INCLUDING hazard insurance, and our account doesn't need other attention. *We have evidence this from a timestamped email* - On XX/XX/XXXX we found a letter dated XX/XX/XXXX from Loan Depot , stating, AGAIN, that we did not provide hazard insurance, and we checked our account and found that they have charged us {$690.00} for it *We have reasons to believe that Loan Depot intentionally makes this process difficult to over-charge many consumers at scale, as we deal with this problem every year ( see our historical complaint ).
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (TX)

Hunter & Warfield have attempted to collect a debt that we did not owe from an apartment community. We said there was a misunderstanding and that we do not owe the debt. The apartment had agreed to waive their buyout fee, we have a signed hand-written letter and an email from the manager of the apartment proving they agreed to waive the buyout fee previously. Hunter & Warfield is now saying that the debt we owe is for the buyout fee. We then received a letter in the mail claiming to be " verification of debt owed '' which had many inaccuracies including an address to an apartment we have never lived at, and sections from the lease that had nothing to do with the supposed debt we owe. There was nothing in the letter about how to dispute it or any 30 day time restrictions. We have tried to call the number during business hours they included in their letter to work this issue out but no one has answered. They do not have proof we owe the debt because we do n't.
Consumer complaint received 2017-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Their was a computer glitch that was TransUnion 's problem - not mine - that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith three times to ask them to delete the inquiries that they had illegally re-added. I was spoken to very rudely and they refused to take them off. These inquiries add a hardship and my rights were violated by TransUnion.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with the fair credit reporting act account # XXXX  has violated my rights. 

15 U.S.C. 1681 Section 604 A. Stated I have the rights to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Account name XXXX XXXX XXXX Account number XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Company sold - Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$1200.00}
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I discovered my bill was due on X/X/2017. I realized it on X/X/17, I called the company and was told to make the payment online. I did and was told they would not charge a pentalty due to the fact I called and payed balance immediately. Received a bill today with a finance charge of more than the bill was. My balance was XXXX I paid in full, now I am charged XXXX in fees. I was told old since they removed a late fee beginning of the year they will not remove this. The fees are over 100 % of my previous balance!.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion had a glitch in credit inquiries. I had inquires removed and then they were re-added back to my credit report. The glitch is  TransUnions problem not mine. I also was never notified with written notification in 5 days which is my legal right before re-adding the inquiries that were already deleted. This has caused a hardship for me because I am unable to obtain any credit due the many inquires. See attac hed pic for all inquiries. I contacted TransUnion in good faith to ask them to delete the inquires they had illegally re-added. Can you assist me in TransUnion victimizing me.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have two debts that are over  7 years old . My husband left me in  XXXX  and I stopped paying our credit cards. The divorce was finally completed in  XXXX  where they granted him this debt and it is specifically noted in divorce. He moved to   XXXX  .  <P/> I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off.  <P/> Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them.  <P/> I just received a letter from  XXXX  wanting the balance  XXXX  for something that is in a divorce agreement and was back in  XXXX .  <P/> Also a very ugly company stating they are an attorney,  XXXX   XXXX   XXXX  are trying to get a balance of  XXXX  going back to  XXXX  of  XXXX  which is the last statement they have from capital one. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me.  LOL!  These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.
Consumer complaint received 2017-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCR A 15 USC 168i ( 5 ) (  A ), you have  30  to respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per  15 USC 168i6Biii,  nor complied within the statutory period, I assume that you have not been able to  re  verify the information I have disputed. Therefore, you must comply with the provision  15USC section 168i  ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at the address stated, I will pursue my legal rights with an attorney unde r 15 USC section 1681n or 1681o  " Civil liability for willful noncompliance. '' Your credit bureau may be liable for  :   1.  actual damaged I sustained by your failure to delete items  2.  punitive damages as the court  may  allow  3.  costs of the court action, plus attorney 's fees
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

In XX/XX/XXXX, USAA issued me a Form XXXX in the amount of {$2400.00}, in which they relinquished their rights to collect on a default loan against a XXXX XXXX XXXX. In XX/XX/XXXX, I paid taxes on the Form XXXX. When I contact USAA to request the title for the vehicle I was told that, even though they voluntarily give up the right to collect against the loan, they would not send me the title. USAA claims they still have a interest in the vehicle, even though I 've paid the taxes and that a new Form XXXX would not be amended even if I paid any amount towards the vehicle. <P/>I feel that the lien on the title should be released and issued to me.
Consumer complaint received 2017-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I had a dispute with Experian about an account that 's reporting only with them and not with the other bureaus. I advised them that they causing me sever damages by not correcting it and that I will file a complaint with the CFPB they than assigned a representative from their consumer affairs department and since then I am not getting proper help over the phone like anybody else, the agent assigned is almost always not available, afte r 5  he is officially not available. When someone else from the same department answered, they put me on extensive long holds and suddenly transfer me into that same representative assigned to me while he is not available.
Consumer complaint received 2017-07-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XXXX XXXX XXXX, XXXX as the trustee for Option One Mortgage Loan Trust XXXX claims to be holder of the note and claims to have a valid transfer of assignment. We did a title search on X/X/2011 and Option One Mortgage Corporation, a California Corporation was the holder of the note, but a transfer of assignment was filed in XXXX County Land Records office on XX/XX/XXXX, after our mortgage was in default.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

A fraudulent charge of {$640.00} from XXXX was charged to our Chase XXXX card on XX/XX/2021, then posted on XX/XX/2021. After receiving a text from Chase on XX/XX/2021 notifying us of this pending charge, we cancelled that credit card number and was issued a new card from Chase. 

Chase received incorrect proof from XXXX stating that we made the purchase and received the goods. A few months later we learned that the phone number, email address and XXXX Address on the invoice were not ours, but XXXXhe street address was correct. Chase took XXXX 's word and recharged the items to our new credit card number. 

XXXX was contacted and they say the order was valid, even with the incorrect phone number, email address and XXXX Address. 

XXXX was the delivery service and they say that they delivered two boxes and different times on XX/XX/2021. We were only notified initially by Chase of the first delivery, so downloaded a clip from XXXX XXXX security camera which show a XXXX delivery of a box which was too small to contain a XXXX XXXX XXXX vacuum cleaner. by the time we were notified of the later delivery, it was past the 60 day time frame for online video storage with XXXX. We actually went to XXXX and found the exact product described on the XXXX invoice that we eventually obtained from Chase. The dimensions of the XXXX XXXX vacuum box was obviously larger that the box that was delivered by XXXX on XX/XX/2021. 

We have gone round and round with Chase and they would NOT remove the fraudulent charge from our account. We paid the amount that we do not owe and are currently not using our Chase XXXX cards. 

We have filed a police report for identity theft, as well as an Identity Theft Report with the FTC. 

The bottom line is that we did not order two XXXX XXXX XXXXrom XXXX, we never received two XXXX XXXX from XXXX, but we were stuck paying for two XXXX cleaners from XXXX to maintain our credit rating. We keep digital copies of receipts from online purchases ... and if this can happen to us, it can happen to anyone.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Since I was adequately the noticed about the interest charges. I never enrolled for a Paperless statement, the system shows I am enrolled for paperless statement. Once I logged in online then only I was aware of the interest charges charged to my account. The interest was charged to my account on XX/XX/XXXX and I paid the balance in full on XX/XX/XXXX. Since I did not have knowledge about the finance charges I would request to waive the interest charges on my account. I paid the entire balance in full as soon as I realized the account is accruing interest. So I want to dispute the interest charges in my account. Also I paid all the remaining balance I was due within XXXX weeks of time, once I knew the balance in my account.
Consumer complaint received 2017-07-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CHECK INTO CASH INC. (OH)

ON XX/XX/2017 XXXX XXXX MY XXXX XXXX XXXX WAS REPOSSESSED. I WAS IN CONTACT W/ LENDER ABOUT MY DEFAULT ACCT AND MADE SURE I MADE VERBAL CONTACT SO THAT MY PROPERTY WAS NOT SEIZED. COMPANY DID ANYWAYS. I HAD TALKED TO CSR 3X WEEK AND A DAY PRIOR TO REPO AND WAS NOT GIVEN ANY NOTICES AND I ASKED IF MY VEHICLE WAS OUT FOR REPO. CSR STATED NONE OF THAT INFO. WHEN REPOSSESSION OCCURRED COMPANY TOLD ME THAT A REPO EMAIL CAME IN EARLIER THAT WEEK THE NIGHT BEFORE I CALLED COMPANY CSR FAILED TO CHECK HER EMAIL AND THATS WHY SHE DIDNT KNOW MY CAR WAS OUT FOR REPO WHEN I ASKED. MY VEHICLE WAS IN A CAR WRECK PREVIOUSLY AND I COMMUNICATED THAT W/ COMPANY AND THEY STATED THAT IT WOULD BE OK. MY ALMOST LOST MY HUSBAND IN CAR ACCIDENT AND I HAVE BEEN THE ONLY WORKING SPOUSE IN MY HOUSEHOLD AS WELL AS CARING FOR MY HUSBAND. I EXPLAINED ALL THIS TO COMPANY AND THEY MADE IT SEEM AS LONG AS I WAS IN COMMUNICATION MY VEHICLE WAS OK. THIS WAS TOTALLY DECEPTION BY FAR. WHEN TALKING TO DISTRICT MANAGER I WAS LAUGHED AT AND ALSO COULD N'T GET A DIRECT ANSWER WHEN I ASKED '' SO I WAS UNAWARE OF MY CAR WAS OUT FOR REPO DUE TO NO ONE CHECKING EMAIL. WHEN REPO OCCURED BREACH OF PEACE WAS INVOLVED ALSO. REPOSSESSION AUTHORITY KNOCKED ON MY DOOR ABRUPTLY AND I WAS SCARED TO OPEN DOOR I WENT OUT THE BACK OF MY PATIO AND MET HIM IN FRONT. AS I WALKED UP TO HIM I ASK WHY HE HOOKED MY CAR AND I JUST SPOKE TO COMPANY 24 HRS PRIOR AUTHORITY  TOLD ME TO CALL STORE ASK I WALKED LITERALLY 5 FEET TO MY DOOR TO GRAB MY PHONE TOW TRUCK TOOK OFF AND SPED THRU A SEWAGE HOLE RAN APT COMMUNITY STOP SIGN AND 1ST STOPLIGHT ON CORNER.