davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CA)

I have reason to believe Chase engaged in the same type of fraudulent practices as XXXX XXXX. I was a Chase credit card customer. Chase sent me publicity asking me to " upgrade '' my credit card to a Slate credit card in XX/XX/XXXX or XX/XX/XXXX. I ignored the publicity because I preferred the terms of the card I already had with them. Out of the blue, I received a Slate credit card in the mail. Initially, I thought the card looked suspicious and not like a real card. I never activated it, because I had not ordered it, and I did not want to switch from the card I already had. Then I was notified of XXXX transactions on the new card, made in XXXX ( while I lived and was in XXXX ). These transactions were made about two weeks after the card was issued. I called Chase to report the fraudulent purchases and to report that I had not ordered the card. I asked why the transactions had gone through if I had not activated the card. I told them I did not want to use it and either cancelled it, or switched the account to a different card I preferred. The customer service person refunded me the fraudulent charges, but Chase never explained to me why my credit card had been switched to a different card I had never asked for. Also, the customer service person said a card had been swiped at the store in XXXX, although it appeared I had received the card in an original Chase envelope with the standard new card letter. This, and the fact that the purchases happened so soon after the card was issued, and because Chase headquarters are in XXXX, made me suspect insider fraud. I thought the employee who had the card issued to me without my authorization may have made a duplicate of it ( or the one I received was a duplicate ), and he or she used the other card in XXXX. I did not follow up on my complaint about the card being issued without my approval earlier because I had been refunded for the fraudulent purchases and I quickly changed the card to one I preferred, but hearing about what happened at XXXX XXXX, I thought it was my duty to report this to the Federal government to assist in any investigation of Chase Bank that may be undertaken, in case this was not just a single occurrence but a systematic practice. Thank you for considering my complaint.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

these inquiries should be removed and many are duplicates or done XXXX days in a row. 

XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

The court document filed by the Attorney for the Plaintiff filed a Satisfaction of Judgement on XXXX XXXX, 2010. 

The attorney directed the Court to release, discharge and fully satisfy the final judgement and direct the Clerk of the Court to CANCEL THE JUDGEMENT OF RECORD. 
To cancel is to withdraw the Judgment of Record. 
I forwarded copy of the document to Equifax to DELETE THE public record from my credit file and they refused per their confirmation # XXXX, Dated XXXX XXXX, 2015.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

I have a mortgage with Seterus Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX. I have an automatic payment process through XXXX XXXX XXXX that pays them on the XXXX of each month for the upcoming month. In XXXX 2015, I mailed in a {$20000.00} check and wrote apply to principal XXXX places on the check as well as a letter stating the same. Seterus applied the check to XXXX future payments and applied only a portion of the check to overpayment. After numerous phone calls, emails and a letter from the Attorney General of Arizona my {$20000.00} was applied to principal. Immediately after, Seterus without my consent changed my monthly automatic payment and applied it to principal instead of payment and charged my a late payment fee. This is gone on every month since that and when I call I get statements such as " Your Bank is not paying right '' and " The computer made a mistake ''. Now their creative accounting applies the payment on XXXX XXXX to XXXX XXXX and XXXX XXXX to XXXX payment. This is incorrect and allows Seterus to ( wrongly ) collect additional interest. This company states it does not charge prepayment penalty but I feel this is what they are trying to do.
Consumer complaint received 2016-09-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

Claimed my debt is XXXX dollars when in fact my debt was closed by the credit card company at XXXX. Pressured me into paying with 5 hours or they were taking me to court and putting a judgement on my credit report. I expressed to them I had no knowledge of the debt and today was the first I 've heard of such debt. They refused to disclose any information regarding the debt. Statements and also gave me wrong dates as to when the credit card was opened and closed. Making me think this debt was newer than it actually was. Told email I would n't be able to take out a mortgage loan if I did n't pay today. I called chase bank and verified all information which was wromg. They told me they were authorized by chase bank to pull my credit report but chase bank told me that they can not do that. They illegally obtained a copy of my credit report and used it against me.i felt bullied and pushed into a corner. I would have paid this bogus debt if it was n't for my gut instinct. ATTACHED you will fined the final bank statement from. CHASE bank with the original close debt.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Over the past month I have watched my credit score with Equifax fluctuate on a daily basis, ranging in dropping scores of almost XXXX points in less than one day, to raising, dropping, raising, dropping etc ... XXXX XXXX, 2015 ( score XXXX ), but that changed when I reported inaccuracies to this agency and my report was in the process of being replaced with the outdated information. On XXXX XXXX, 2015 ( score XXXX ), XXXX XXXX, 2015 ( score XXXX ) and today, XXXX XXXX, 2015 it is back down to ( score XXXX ). 
I have reviewed information contained on both XXXX XXXX and XXXX XXXX credit files and they have added items that are incorrect, deleted previously populated data and have basically frozen my account with DISPUTES on all accounts. Also, on a daily basis I receive emails telling me that my DISPUTES have been completed and that I can view the results online. However, if I look at them during that current time, they are stuck in the UNDER INVESTIGATION mode. 
I would like for Equifax to remove all history & disputes associated with my accounts as of today and repopulate my account with the XXXX XXXX, 2015 report and END ALL INVESTIGATIONS & DISPUTES from my account, and delete any DISPUTE comments made. The XXXX XXXX report is the closest report I can find in the past 4 months that appears to have accurate information on it, and I would like to start " fresh '' with that information and let my creditors update that information monthly as they 're required to do anyway. 
I have attempted to contact them over XXXX times to resolve the discrepancies and I have contacted the " Dispute '' department, who transfers me to the " Customer Service '' department, who then hangs up on me. This is either incompetence or fraud on their part, but they can go a long way to fixing the issues by restoring my reports.
Consumer complaint received 2015-07-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2015FROM : XXXX XXXX ( " XXXX '' ) XXXX XXXX, TX XXXX ( land at home ) E-Mail : XXXXToday I received an e-mail from an entity providing a pen name for their e-mail address of " chase ''. Their e-mail address was : " XXXXXXXXXXXX ''. The e-mail said that they had new interest rates on home loans. They provided a link for me to submit my financial data and identity information, and said that they 'd then quote a rate. Instead, however, I received phone calls and e-mails within about an hour from XXXX finance companies : XXXX, and XXXX XXXX. These companies said that they received referrals such as in my case from various entities, but seemed to imply that they did n't collaborate with organizations like the one which had sent me the aforesaid e-mail. I 've attached a copy of that message. 
I suspect that the aforesaid entity which sent me the e-mail was impersonationg the bank known as " JPMorgan Chase XXXX XXXX , XXXX '' That company usually just happens to use the brief name, " Chase '', to identify themselves, and note in that regard that they 've instructed me to make the checks which I send them for the monthly payments on my first mortgage with that institution merely to " Chase ''. 
The contacts which I received to solicit my business on home loans as a result of that suspicious-looking e-mail, and shortly after I 'd completed the link contained therein were : Loan Depot : XXXX, XXXXXXXX : XXXX, XXXX XXXX ( his e-mail address for the message he sent me : XXXXXXXXXXXX addition, I presented all this information today to XXXX XXXX XXXX XXXX XXXX for her investigation : " XXXXXXXXXXXX '' ), XXXX ( direct ) ; XXXX XXXX XXXX Office, Resolution Advocate ; XXXX, ext. XXXX. 
I have also reported this entire matter today by phone to the assistant manager, " XXXX '', at XXXX of JPMorgan Chase XXXX XXXX , XXXX 's branch offices in XXXX, Texas : XXXX ; XXXX FM XXXX XXXX, XXXX, TX XXXX ; e-mail address for the manager there, XXXX XXXX : XXXXXXXXXXXX said that she 'd refer the matter to the appropriate party ( parties ) within the corporation, but she has n't contacted me since then to indicate what she 's actually done, if anything.
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (GA)

I have disputed the Franklin Collection account that is reporting either in error or as a result of identity theft on my credit file many times. I have not had any success getting this matter rectified. So, I am asking for your assistance in getting this matter resolved and removed.
Consumer complaint received 2016-04-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (FL)

Did not receive any notification from Stellar Recovery about a debt collection that suddenly appeared on my credit report. I have no idea what it is for, I have been provided no opportunity to dispute or satisfy any debt collection action prior to it simply showing up on my credit report that I monitor constantly. I have been building my credit steadily over the past few years and this wiped almost XXXX points off of the estimated score, which directly affects my ability to pursue financing for my small business and personal necessities.
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OK)

I contacted Chase on XXXX/XXXX/XXXX notifying them that I wished to open a billing dispute in the amount of {$280.00} for a charge that occurred on XXXX/XXXX/XXXX from XXXX XXXX. I then contacted Chase again on XXXX/XXXX/XXXX because I had not heard anything additional, except for a confirmation that they were working on my dispute ( see attached ). I did not receive an outcome to the issue until the resolution was mailed on XXXX/XXXX/XXXX. This falls significantly outside the FTC 's regulation that the dispute be resolved within XXXX billing cycles ( but not more than 90 days ) after being notified.
Consumer complaint received 2017-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (FL)

This debt never existed. It was a mistake on XXXX end, my account was opened in XX/XX/XXXX and was always paid in full and was officially closed in XX/XX/XXXX. 

The XXXX employee who closed my account never noted my account. It took approximately six months after my new service was initiated with XXXX to finally shut that account down. 

All of this is documented, and was never a collection in the first place. 
I am demanding that this harassment to collect a non existent debt stop immediately and all debts and information relating to this account be removed from my record at all XXXX US Credit Bureaus.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

I have been trying to sell my home for over 3 years, CHASE Bank, during that period my real estate agent, presented XXXX offers to Chase as a short sale, THEY REJECTED all of them. 
Finally just recently, they accepted an offer, hooray. 
Here is my problem. CHASE has offered me a {$10000.00}. relocation allowance, to move. 
That would have been fine 3 years ago, but currently, the price of rental houses has more than doubled, and a {$10000.00}. relocation allowance in this market is just not Enough. 
As rental homes have XXXX, I need CHASE to XXXX there relocation allowanceto ME from the {$10000.00} current offer, and increase it to a {$20000.00}. relocation allowance. 
As rental properties have XXXX, it is only fair that CHASE XXXX my relocation allowanceto {$20000.00}. PLEASE MAKE THEM COMPLY WITH MY REQUEST, THEY KNOW THAT RENTAL PROPERTIES HAVE XXXX, Thank you.
Consumer complaint received 2015-11-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

This compliant is related to CFPB CASE XXXX AND TO PREVENT FORECLOSURE SCHEDULED ON XXXX XXXX, 2015. J P Morgan Chase Bank purchased Washington Mutual. Home Owner of Property servicer XXXX XXXX XXXX reported to be the servicer of XXXX XXXX XXXX. XXXX XXXX XXXX denied being lender. XXXX XXXX Bank reported XXXX ( loans service by others a department of XXXX XXXX XXXX was the actual lender. XXXX XXXX XXXX denied any department exist in XXXX XXXX XXXX. XXXX XXXX XXXX is foreclosing of home owner without proof of ownership. Chase Bank reported XXXX XXXX XXXX is lender but has not provided document of purchase, document of sale, document of notice of servicer transfer and document of FDIC LOAN PURCHASE. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX continue to threaten home owner with foreclosure of property without any proof of foreclosure deed and deed under power. No validity of signature of documents but robo signers.
Consumer complaint received 2016-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Phoenix Recovery Group (TX)

This is a follow-up to the initial complain filed against Phoenix Recovery Group. PRG responded to said complaint stating that they had a contract bearing my signature, that they sent validation documents from the original creditor to me and that they validated the debt with the original creditor. Additionally, they claimed to have updated the account with the credit reporting agencies to reflect that the account was in dispute. While the account was in dispute, they continued to attempt to collect on the debt by calling my cell phone on the weekends and continuously reporting the account to all three credit reporting agencies. Further, when I disputed the account several times with the credit reporting agencies, PRG responded to those disputes claiming that the account was accurate. Despite the emails from the original creditor I sent listing the correct balance that was paid, they continued to intentionally act illegally and unethically. 

To this day, I have yet to receive those documents. I reached out to the original creditor and advised them of the unethical and illegal debt practices PRG had engaged in with respect to this collection account. The original creditor responded stating that they were unable to validate the debt because they no longer owned the property. They had not received a dispute of the debt from PRG and that PRG advised them that they were waiting to receive documentation from ME to process my dispute. The original creditor had to reach out to them to tell them they can not verify the debt and to remove it. 

While the debt has been removed, it is imperative to ensure that this complaint does n't go unnoticed. PRG blatantly lied to CFPB, broke multiple Federal and State laws and ruined my credit for nearly a year.
Consumer complaint received 2016-01-15
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (GA)

Chase has impacted my credit by sharing and selling my student debt with a third party company such as XXXX XXXX XXXX. This information reported by Chase has been inaccurate. My account was transferred from Chase to the XXXX XXXX Loans. This in turn has led to XXXX XXXX XXXX to continue to collect on my account even though it was never under their ownership. The XXXX has taken ownership of this account when it was with another other holders Chase, XXXX and XXXX XXXX XXXX. I have advised them of this. Most recently this agency is profiling me at this date of XXXX/XXXX/XXXX when this account is not assigned to them. My student loans are currently assigned to XXXX. That has not stopped XXXX from causing negative impacts on my credit by putting erroneous information on my credit reports most recently XXXX/XXXX/XXXX with XXXX and XXXX XXXX with XXXX They have attempted to start the this cycle over by putting recent negative late payments on my account when it is not in their ownership. In addition, Chase has reported negative errors on XXXX occasions on each credit report. This appears that I have XXXX accounts with Chase on my credit reports which is inaccurate. My student loans were consolidated into XXXX loan for over 10 years.
Consumer complaint received 2015-07-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (NY)

I am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous.