davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VT)

I was asked to renew my income for an income based repayment plan on XX/XX/XXXX. The information I recived was, "You currently repay your loans under the Revised Pay As You Earn (REPAYE) Repayment plan. Under this plan, your monthly payment amount is based on your income and family size. As part of the REPAYE plan, you are required to recertify annually. Since you are approaching the end of your 12-month payment period, you need to provide your and your spouse's (if applicable) income documentation and verify your family size, so we can recalculate your monthly payment. You must do this even if your income and family size has not changed. Recertify electronically at StudentLoans.gov. We must receive your application by XX/XX/XXXX. If we do not receive your application within 10 days of this date, your monthly payment is estimated to be $XXXX, first due on XX/XX/XXXX." I uploaded the requested information on XX/XX/XXXX. On XX/XX/XXXX I received a statement staying my XXXX bill (due XX/XX/XXXX) will be the total of $XXXX. There was no explanation for this increase from my original monthly payment of $XXXX. I have called twice. The first time (XX/XX/XXXX) and was told to reapply for an income based plan. I did that. On (XX/XX/XXXX) after receiving a notice for further paperwork, I called and was told because my XX/XX/XXXX paperwork was not process in 90 days I needed to reapply for income based. Therefore, because Fedloan did not process my paperwork I am now stuck with an un-affordable payment.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

I called Chase bank on XXXX/XXXX/17. Letting the know that an Payroll ACH that was pending from XXXX XXXX for the amount of XXXX has been sent incorrectly and it will need to be sent back to XXXX. I also went into the XXXX Chase Bank location and asked a bank supervisor for freeze on the account until some the second account holder could come in and we get a new account due to fraudulent charges. They stated it was complete and now i see more charges coming out of the account when i requested a freeze and they stated it was completed. They also stated nothing would go in or come out the account until the freeze was lifted from inside the branch. It has been continuous issues with chase and they are failing to fix them.
Consumer complaint received 2017-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XXXX XXXX XXXX My mother XXXX XXXX XXXX and Grandmother XXXX XXXX decided to invest in XXXX through a company called Coinbase. The money transfer happened on XXXX XXXX XXXX at XXXX am from a XXXX XXXX Account ending in XXXX for the purchase of XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX my mother XXXX XXXX XXXX passed away. I became the Estate 's Executor, trustee and personal representative. Since my Grandmother can not use a computer, she is XXXX years old, She asked me to liquidate the assets held by Coinbase. This should have been a non issue since I have the account login and passcode however Coinbase upped their security and I can not access the account.
I first emailed Coinbase support sometime in XXXX XXXX however it took so long for a response that when they did respond I could not respond back due to working 7 days a week at my employment. 

I emailed them on XXXX XXXX XXXX at XXXX XXXX and explained the issue. 

It took forever to get a response and the back and forth started and basically canned responses with no real help. I told them my intention was to liquidate the assets. We have obtained a Power of Attorney so I can represent my Grandmother in this matter and they have had those documents for over three weeks with zero response. It has gone on for so long I doubt this is actually a legitimate company. Since their support is so non supportive and their dispute resolution team has been non responsive after over coming all their objections I have no choice but to file a complaint.
I have 28 full 8.5 x 11 pages of emails printed of my communication with Coinbase. Its been now more than 7 months and still there is no resolution in sight for these assets that my grandmother would like liquidated. There should be no reason for Coinbase to deny me access to the account since we have obtained a legal power of attorney from my grandmother appointing me her representative. 

I firmly believe that it should not take 7 months to get a resolution and that this company has defrauded my Grandmother.
Consumer complaint received 2015-04-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I received a voicemail message from XXXX and XXXX. They stated I ignored a deposition and they were going move forward with proceedings. 

I called them back and they stated that I owe a debt of {$84000.00} that I could settle for {$9000.00} and avoid an issuance of a XXXX. The woman I spoke to said if they issue a XXXX it could result in an IRS lien for over {$200000.00}. I told her to contact my attorney and she screamed profanities. 

Here are the violations they committed:1 ) They claimed I ignored a deposition. I was never sued in the XXXX place. 
2 ) They claimed I owe {$84000.00} on a specific debt, which is not correct. Also, this debt is out of the statue of limitations since XX/XX/2012 
3 ) They claim I could avoid the issuance of a XXXX. They only way XXXX could avoid the issuance of a XXXX is paying the debt in full. 
4 ) Used profanities during the conversation.
Consumer complaint received 2015-12-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Action Collection Service (ID)

Action Collection Services INC. is reporting a collection account ( XXXX XXXX XXXX ) on my XXXX Credit report that is not mine and they are damaging my credit with this. 

I contacted Action Collection Sevices Inc. on XXXX ( attached : original letter to Action, & certified mail delivery ) asking them to send verification of the debt with in 5 days. By law a collection company has to verify any debt the consumer asks to verify.They still have not. They responded with a letter stating they can not locate the account ( attached : Action response letter ) I gave them all information needed to locate said account, obviously they are misreporting information to the credit bureaus and damaging peoples credit.
Consumer complaint received 2017-09-29
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: ENCORE CAPITAL GROUP INC. (GA)

I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.
Consumer complaint received 2017-09-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (MA)

I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a damaged shoulder and neck and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of XXXX XXXX XXXX XXXX refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXXyr old man and I want to fight for what is right.
Consumer complaint received 2016-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JMD,LLC (CA)

I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt
Consumer complaint received 2017-09-29
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. (NY)

Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

American Express Delta Sky Miles card. When billed {$95.00} annual fee I immediately called customer service on phone to cancel account. Talked to agent, expressed desire to cancel unless they waived fee. Was transferred to 'retention specialist ' line. Was on hold for > 20 minutes then call dropped. Went online, did the same on chat session. I tried at least five times with online chat and phone calls. I was finally able to cancel card, but by then their 30 day time limit to refund next year 's annual fee had passed. In one of the customer service conversations XXXX said would they investigate and respond in 60 days.
Amex effectively delayed cancellation of the card until the fee refund period was over. This behavior seems similar to XXXX making it extremely hard to cancel their service, for which the FTC dinged them, about ten years ago.
Consumer complaint received 2016-11-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (CA)

First of all I DO N'T owe ANY debt to Central Financial Control, don '' t know who they are, and have NEVER signed ANY agreement, or contract with this organization!!! Furthermore, this type of extortion shakedown conduct is illegal, and against the law per the F.C.R.A. 
Until Central Financial Control can provide me, XXXX XXXX XXXX XXXX with the ORIGINAL signed contract agreement with them that created this erroneous debt, also providing signed documentation they have the right to collect ( extort ) this erroneous debt they 're claiming in addition, to providing a itemized accounting of how it arrived at the erroneous total amount including any interest, and fees added to the suppose erroneous extortion original amount. I have I requested the above mentioned proof in writing XXXX/XXXX/16, and per the F.C.R.A. NO collection action is to take place until the above requested documents have been sent to me, which they have NOT.
Consumer complaint received 2015-08-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

Washington Mutual held my mortgage when they went under my mortgage was lost for 11 months whenever i tried calling we got no answer and they were not cashing my checks .my home went into foreclosure, my home was up for auction and there was nothing that i could do. on the twelfth month we recieved a package in the mail it was a new mortgage company XXXX mortgage and i had a 30 year new mortgage with about XXXX-XXXX thousand dollars in fees. i did n't understand what the hell was going on i tried to call different people and they brushed me off by saying at least u still have your home.i built my home XX/XX/XXXX and would have been done XX/XX/XXXX if this tragedy would not have happened to me. i often wonder how many others were affected by this. but i lost about 15 years on my XXXX mortgage, all of my equity. it was a terrible time for me i went through a XXXX XXXX. i still go through a lot of things when i think about my house would be paid off XX/XX/XXXX if everything would have went the way t was suppose to, i met a mortgage broker and she advised me to contact CFPB. i really hope there is something that can be done, i do n't know but it is worth a try so iam trying
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NC)

We have our current mortgage with Chase Home Finance. Have excellent payment history. We kept getting letters about refinancing at a lower interest rate. When I did call the rate was not as low as my letter but they could still get us a lower rate than we currently have and less years. They describe the letter as " marketing projections done months in advance. So we paid the {$460.00}. Application fee, signed paperwork and " locked in '' at 4 % and zero points. We kept having to get a bunch of extra documents to underwriting which was annoying but understandable. JPMORGAN Chase changed the 15 year, XXXX point and 4 % to 20 years, XXXX points & 4 % and then after the appraisal came back they changed it to 30 years, 4 % and XXXX points. It would cost us XXXX. To get a worse mortgage than what we had and the letter we got explained that this was based on my husbands credit score which in the next paragraph stated his credit score is XXXX. The interest rates had fallen since we started trying to refinance. When I asked about changing our rate lower, I was told for better or worse we were locked in, but according to the paperwork we signed we SHOULD HAVE also been locked in on points.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I APPLIED FOR A HOME DEPOT CREDIT CARD ON OR ABOUT XXXX XXXX 2016. THE CARD DID NOT ARRIVE AFTER 3 WEEKS, SO I CALLED HOME DEPOT AND INQUIRED AS TO WHY. APPARENTLY, THEY SENT IT TO THE WRONG ADDRESS. SO I GAVE THEM THE CORRECT ADDRESS ( THIS DESPITE THE FACT THAT THE CORRECT MAILING ADDRESS WAS ON THE APPLICATION. ) THE CARD NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS. IT NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS, ETC. THE DAY MY APPLICATION WAS APPROVED, I WAS TOLD THAT I COULD GO TO ANY HOME DEPOT STORE AND PROVIDE ID AND I WOULD BE ABLE TO CHARGE MY PURCHASE. I MADE A SMALL PURCHASE ON OR ABOUT XXXX XXXX. I AM CONCERNED THAT THE DUE DATE FOR PAYMENT HAS PASSED AND I AM NOW BEING CHARGED LATE FEES OR OTHER FEES FOR NON PAYMENT, AND THAT THIS FALSE INFORMATIION IS BEING REPORTED TO THE CREDIT BUREAUS. TODAY IS THE 4TH TIME I CALLED HOME DEPOT ABOUT MY CARD. ALL I GOT WAS THE RUN AROUND. I WANT MY CARD. IN THE MEANTIME, I CAN NOT EVEN CANCEL THE ACCOUNT SINCE I DO NOT KNOW THE ACCOUNT NUMBER BECAUSE I NEVER RECEIVED A CARD! HELP!!!
Consumer complaint received 2016-04-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had bill pay set up to pay my HELOC payment ; however, had to change bank accounts due to a compromise. I went on BOA site to pay but only get option to ebill. So I attempt to set up ebill and it was the worst experience I ever seen. It is asking me to add the BOA mailing address, while I am setting it up on their website. I naturally do n't know that so I look for a statement or address on their site. No luck can not find one at all. I have to then call them and spent 30 minutes on hold and got a hold of an employee who could n't help and was to transfer me to online banking for help. About 5 minutes of holding for them, I received an automated response telling me the call could n't be connected to hang up and try again. I have never in my life seen such tactics to delay and avoid accepting a payment from a consumer such as this. I feel like they are intentionally making this difficult and then not responding to the phone so I can be late and collect fees. Please step in and help. I work in banking and I can not figure this out and their employee could n't either so what does that say for BOA. Sounds like a plan to get money!!! I would like my fees credited back for this tactic on my HELOC, credit cards and Vehicle loan. I think that is the least they can for wasting my time and creating a process that obviously will not work. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

According to the Cardholder agreement with Bank of America, I am only obligated to pay the monthly minimum. In this case, my monthly minimal payment due was not the balance thereof, but a nominal fee of approximately {$25.00} to {$50.00}, more or less. 
On XX/XX/XXXX, I paid, albeit by clerical mistake/typo, a payment via mobile banking transfer of from my checking account to my credit card account with Bank of America for $ {$2400.00}. I intended to, at that time, to make a nominal payment of {$24.00}. Therefore, I respectfully asked for the difference from what the Bank has partially refunded me already -- of {$500.00}, to what I originally paid plus fees ( factoring any interest charges ), which would total approximately $ 2k either way. 
Moreover, according to the XX/XX/XXXX law -- -Credit Card Accountability Responsibility and Disclosure Act, the Bank acted contrary to this Law by changing the terms and conditions and/or my credit card account info via slashing my credit line by 80 % from $ XXXX to {$500.00} without providing appropriate advanced notice ; considering this lack of due diligence and lack of transparency I respectfully ask for the CFPB to secure me the funds for $ XXXX at this time and/or restore my credit line back to $ XXXX with Bank of America XXXX The Bank refuses to issue me a complete refund because my total credit line is only {$500.00} and it would be over my credit line ; moreover, they 've refused to raise my credit line back to the original amount. 

Thanks for your help and consideration! 
XXXX XXXX
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (AR)

I received a letter with the mailing address of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - attached XXXX XXXX XXXX XXXX XXXX is the principal agent for XXXX, XXXX ; and I believe XXXX XXXX XXXX is XXXX in the same as XXXX XXXX XXXX. 

In Letter A, there is an offer to settle an unverified DEBT at XXXX % off with some company called JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX is acting as President and Chief Executive Officer of JEFFERSON CAPITAL SYSTEMS , LLC. ; and i believe XXXX XXXX is one in the same as JEFFERSON CAPITAL SYSTEMS , LLC. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', one XXXX XXXX - attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter B is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter C. 

I believe Letter C is an attempt to collect on an unverified DEBT sent through the Post Office, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.