davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NV)

THIS REQUEST IS FOR U.S BANK N/A ( XXXX XXXX XXXX ) ONLY AND NOT FOR XXXX OR ANY OTHER COMPANY AFFILIATED WITH OUR NOTE, DEED OF TRUST OR GSR LOAN TRUST XXXX! 
FIRST ; WE REQUEST TO KNOW WHAT WAS THE DATE OUR NOTE/DEED OF TRUST WAS TRANSFERRED TO U.S BANK N/A, AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDER IN XXXX XXXX? SECOND ; WE REQUEST DOCUMENTATION ON THE INVESTOR WHO U.S BANK N/A PROVIDED THE CERTIFICATE TOO AT THE TIME OF TRANSFER? 
THIRD ; SINCE XXXX, WHICH CERTIFICATE HOLDER HAS U.S BANK N/A BEEN SENDING FUNDS TO FOR OUR PROPERTY/ASSET, HOW MUCH AND DATES PAYMENTS WERE MADE TO THE CERTIFICATE HOLDER?
Consumer complaint received 2015-12-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

US Bank charged thousands of dollars unnecessary fees when I had genuine right to dispute things like being charged twice or XXXX right to refund as trains were late 2 hours both forward and back from New York XXXX. Genuine disputes included XXXX posting a new York hotel price of {$89.00} and actually charging {$110.00}, XXXX charging {$320.00} and both reverse and forward being over XXXX hours late, XXXX and XXXX charging a bill even though I told them not to, a number of other charges I cancelled, a taxi cab charged twice, a XXXX Charged multiple times for some reason the staff member swiped repeatedly. Genuine disputes resulted in overdraft fees when not XXXX of them were necessary. They were all genuine disputes like I told XXXX, XXXX or other companies that I did not want to make payments as employers did not pay. 

Please ask US bank to overturn the thousands of dollars in fees and charges. XXXX company pay day loan company XXXX XXXX and XXXX had me pay XXXX to each of them, but US bank also charged thousands of dollars in fees when XXXX and XXXX pay day loan group had already paid the debt through a different US Bank account through over drafting the account when I particularly told US bank they should decline the charges XXXX and XXXX put through as not enough money. XXXX accounts they have in collections involve debts that are just made up and are not needed ; unneeded overdrafts creating debts. The fact that a pharmaceutical sold by XXXX 's caused me to throw up after an XXXX trip to XXXX XXXX as I had been beaten with XXXX XXXX broken bones coming home from work after XXXX is just a dispute ... genuine dispute .... but not a reason to charge many overdraft fees. Disputes are not reasons to charge thousands of overdraft fees impoverishing people like me exposed to XXXX at the University XXXX XXXX as my first XXXX degree XXXX. A consumer should be able to dispute buying a lot of XXXX food linked to vomiting and dispute the fair or charge without being charged unneeded overdraft fees amounting to over XXXX. XXXX in overdrafts really is ridiculous I was told that number by XXXX of the employees over the phone that that was how much they charged for this year.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rushmore Service Center, LLC (ND)

This number ( XXXX ) has repeatedly called and I just received my number today, therefore I have no connection to this company. I called them back and they immediately demanded my name and social security number. I verified my phone number with them and explained that since this is a new number to me I have nothing to do with them. They continued to demand my personal information and became rude and aggressive when I told them to stop calling me. They still refused to say anything other than they were a debt collector trying to collect from me. I do not owe anything to them.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (FL)

Already paid in full have a letter and receipts to prove it plus a letter stating they have requested the credit reporting agencies do you have the account referenced above in the letter removed from the credit report the deletion process takes approximately 1 to 5 business days that was back in XXXX 2015
Consumer complaint received 2015-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (TX)

I received a letter from United Recovery Systems stating that my account ending in XXXX with XXXX had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our home is being foreclosed on fraudulently. Once a month we would get a note says XXXX is claiming that the home is empty, so we would call and tell them that we lived there ( phone records to prove it ) The letters stopped A few months ago. Since then XXXX XXXX that look like XXXX showed up at our home while we were at work. Claiming to be from the bank. They told our neighbor that they had to clear the property and make it look like no one lived there. They stole items from around our home, yard, back deck, and threw our dog igloo house and lawn mower over the deck down to the creek. We have neighbors that witnessed this. They have enter our home illegally and changed the locks not once but twice on our back door even after leaving notes that we live here. We have their lock boxes to prove it. Our XXXX chickens disappeared and stuff inside there coup was stolen as well. We submitted a request for re-modification through a HUD approved housing counseling agency. Fax transmittal to prove it. A few days later they filed paperwork with the county clerk to sell home. Our home is still up for sale on XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX approved our request for re-modification then took it back and said there was an error. Denial was based on them assessing our home way above actual value so we would n't qualify for re-modification that we in fact should have qualified for. We appealed it and included an appraisal as well as 6 local comps to prove what is was truly worth. Then they switched servicers on us. I believe that Bank of NY Mellon does n't want to re-mod our loan even though these programs were created specifically to help people like us.
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC (CA)

In XXXX 2016 Planet Home Lending XXXX XXXX ( PHL ) aggressively pursued us to refinance our home ; we were not interested in a refi nor did we need to. PHL still pursued us. We finally opted to refi with PHL as they are our current home lender bought by our recent home purchase transaction. Our loan payoff amount at the time PHL contacted us in XXXX 2016 was approx. $ XXXX with a home valuation of $ XXXX that they made us pay {$500.00} up front in XXXX 2016 for an appraisal report. We responded with a roll-into amount of appx. $ XXXX that included student loands and XXXX credit cards. PHL responded with a 3.5 % APR for 30 yr fx. and that our closing costs would be apx. {$3500.00}. We accepted. We immediately complied with all submittal requirements to lock in that rate. We did not hear back from PHL for more than 3 weeks until WE pursued persistently for status updates. Once we finally made contact, we were told that the rate was never locked in but they would give us a new rate at 3.625. We were bounced back and fourth between several people who claimed to be managers ; none of whom returned our emails or phone calls. ( XXXX XXXX NMLS : XXXX XXXX, XXXX XXXX t : XXXX, XXXX XXXX ( the claimed Manager XXXXXXXXXXXX XXXX ). We have an extensive email trail of us trying to get answers and are happy to forward them all to you for validation! More than 3 months worth! 

It is now XXXX and all the rates and closing costs we were originally advised have since been changed. AND we are now told that our closing costs are more than {$11000.00}!! What? 

We have been violated, disregarded and ignored for over 3 months! Our credit report has been accessed ; we overpaid on 3 months of interest on our mortgage, credit cards and student loans and are now out {$500.00} for a home appraisal due to PHL 's incompetency! Our lives have literally been put on hold!
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (DC)

On XXXX I rented a vehicle from XXXX in XXXX, XXXX, XXXX. I charged this rental on my Chase VISA card ( XXXX Mileage Plus ) and I thought, chose to waive the damage waiver because Chase had sent me an email that such insurance coverage would be provided if I used this card to pay for rentals overseas. Apparently I accepted damage waiver, but with a XXXX XXXX payment due if I had an accident. On XX/XX/XXXX I had a blow out on the left front tire, requiring towing and replacement of the tire, then on XX/XX/XXXX I scraped the left side of the car on a narrow, walled road in XXXX. I returned the vehicle on XX/XX/XXXX and was charged XXXX XXXX in additon to the rental charges. I submitted a claim to Chase and provided them all supporting documents describing the damage and repair costs. They declined to cover the charges of {$910.00} stating that I had failed to affirmatively decline the Collision Damage Waiver on the rental agreement. It appears to me that I declined the Rental Company 's insurance by taking responsibility for the XXXX XXXX excess damage waiver. I feel that Chase is misleading customers into using their credit card by offering this insurance coverage yet denying claims that are seemingly covered. Had I known I would have had to go through so many hoops only to be denied, I would have opted for the rental car insurance coverage.
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC (TX)

Zenco collections called me early this month and threatened me saying that I had committed tax fraud and the irs was going to take me to court and also saying I was being charged with intentional defraudment. This guy had my full ssn, dob, address, my new husbands father 's address and my account balance from my last payday to the penny. I of course got scared and made the mistake of giving info. I then had to change bank accounts when I discovered this was some type of scamy or flat lie. My mother is a retired supervisor adutior for the  XXXX  and my husband is a legal assistant. So I talked them and did research. Then spoke with my bank and closed account. Now they are calling threatening me with more legal action. I have it recorded as I have a call recorder on my phone. The guy would n't even tell me what the loan was for and says he has video and audio of my ex husbands and I getting the loan. The ex-husband involved and I divorced 10 years ago! They have n't contacted him but are threatening me. I saw on here they have done this  XXXX  other times.
Consumer complaint received 2016-06-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CT)

My checking account currently has a block or restriction preventing use of mobile deposit, this is due to number of times overdrawn/currently overdrawn. I do not have any branches and or ATMs located near me in Connecticut, I will need to use mobile deposit in order to bring account positive and for future deposits. The rep I spoke with earlier today stated I could transfer funds from savings, however, a federal regulation prevents a number of XXXX transfers per statement cycle. Needless to say, this does not resolve matter.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I have purchased XXXX from a vendor on XXXX/XXXX/2016. They invoiced me for {$1700.00}. 
I complained that the amount was incorrect. The vendor duly revised down the charge to {$1500.00}. 
But while the above were being discussed, both amounts were already charged to my credit card in inadvertent sequence. I was therefore charged twice for my purchase. 
I contacted my vendor about this charging problem on XXXX/XXXX/2016. The vendor had gone through their books, and responded to me on XXXX - with a copy of their ledger statement, that they had already refunded the amount {$1700.00} back to my credit card at the time of our transaction. 
I reported this case to the card company on XXXX with full explanations of the details, as well as providing a copy of the vendor 's contact information and ledger statement. 
Despite my repeated requests of them to give me back the credit amount that my vendor has refunded through my credit card, but never showed up in my statement, they have only given me repeated perfunctory acknowledgements, and provided no response of any substance or reference to the contents of my case whatsoever. 
Based on the above scenario, the card company has therefore been stalling and ignoring my request all this time on their responsibility towards my rights as a consumer, and has in fact unlawfully confiscated {$1700.00} of my credit money.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase offers a rewards program with XXXX. 
New customers are entitled to a bonus number of points after sign up and minimum number of purchases. 
Chase did not initially transfer the points because the name on the XXXX XXXX Rewards account did not exactly match that of the Credit Card. 
This was fixed and Chase was made aware in XXXX. At that time, the Chase representative told me on the phone all was in order and the bonus points should transfer on the XXXX monthly statement. 

However, Chase did not transfer the reward points until my XXXX XXXX billing statement. The Chase XXXX Guest Rewards Membership agreement, XXXX : XXXX, states " Points will be automatically transferred to your XXXX Guest Rewards account at the end of each billing cycle ''. On my XXXX XXXX statement, only XXXX of the over XXXX points that had accumulated were transferred. This proves that Chase did have the necessary information to transfer the points. 

I called and emailed several times. Each time I received no help. 

Due to Chase 's error and unwillingness to rectify the error, I was forced to purchase the ticket from XXXX that I should have been able to use XXXX Guest Rewards points towards the purchase. 

In summary, Chase did not follow their own rules in providing the bonus points I was entitled. The only reason why I signed up for the credit card was for that bonus to purchase a railroad ticket for my son attending school so that he can come home over his XXXX break, ironically travelling the same day as the points did transfer. By that time I had to purchase the ticket. 

Chase should not be allowed to promote programs promising rewards and not deliver in timely manner. They broke their own guidelines and should give me compensation.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

This complaint relates to my mortgage, serviced by J.P. Morgan Chase ( " Chase '' ). 

In XXXX, I refinanced my home with Washington Mutual, and the loan was later serviced by Chase. My mortgage payments were timely paid from the refinance date through the end of XXXX. In XXXX, I filed a petition for Chapter XXXX Bankruptcy, and included my mortgage. The bankruptcy was discharged in XXXX of XXXX. I did not re-affirm my legal obligation to pay the loan. 

In XXXX of XXXX, a lawsuit was filed against Chase on my behalf to defend a foreclosure. The state court ordered a temporary restraining order. Chase removed the matter to a federal district ; this matter was later dismissed. 

Following the dismissal, Chase again attempted to foreclose on my home. On XXXX XXXX, XXXX, I filed a complaint with the Consumer Financial Protection Bureau against Chase regarding their mortgage practices. This foreclosure was cancelled pending Chase 's investigation. 

On XXXX XXXX, XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XXXX XXXX, XXXX, Chase approved me for a trial payment plan XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ). 

In XXXX XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

On XXXX XXXX, XXXX, I called Chase to inquire about their failure to report the modification and monthly mortgage payments. Chase representatives responded that it appeared that I did not " reaffirm '' the loan during the bankruptcy proceeding, and as such they have no duty to report same to the credit bureaus because and I have no legal obligation to them. 

Chase 's response is faulty, as the modification is a contractual obligation between me and Chase that is legally binding, and is the same as reaffirming mortgage debt. The Agreement contains various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to XXXX parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to state that the Agreement modifying my mortgage loan and the payments are not reportable to credit bureaus, because I allegedly did not " reaffirm '' my debt. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the trial payment plan and Modification Agreement. These payments are from XXXX XXXX to the last payment.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.
Consumer complaint received 2015-04-24
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: World Omni Financial Corp. (FL)

I leased a car for 3 years and the lease is coming soon to an end.At the end of the lease i have the option to return the vehicle or buy it.The lease agreement stipulates that : '' PURCHASE OPTION AT END OF LEASE TERM.You have the option to purchase the vehicle at the end of the lease term for {$12000.00} and a purchase option fee of {$350.00}. " South East Toyota Finance, the leasing company is asking me for {$13000.00}, motivating that the difference of {$1100.00} are " taxes and fees ''! I would like to know what my right XXXX are!
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I contact Experian several times regarding multiple inquiries that appeared on my credit report that were not authorized by me. I spoke to a rep on XX/XX/XXXX who was in the process of removing them when we their system went down and our call was disconnected. When I tried calling back, I could not get back through. I filed a dispute online about these inquiries. XXXX stated that there is no way to dispute the inquiries at all but the online process definitely let 's you dispute them. On XX/XX/XXXX they sent me an updated report via postal mail that stated they verified and reviewed each inquiry. When I spoke to XXXX different reps on XX/XX/XXXX ... they all could not tell me the process in which they use to verify that information appearing on my report is factual and correct. I found this to be a huge concern and for great reason because by their response, if they could not state how the items were verified and method they used, that means they did not verify or investigate the disputes. If they did not investigate or actual verify each inquiry in my dispute, then how did they know items where factually and correctly being reported? That is the biggest issue to date. The next issue of my disputes that were filed about XXXX inaccurate collection on my reports. Each time they stated that they verified that the information and it was being reported correctly. I called and sent 2 certified letters with return receipts to Experian requesting specific information about how they verified that the information was correct and reporting accurately. I sent the letters starting XX/XX/XXXX and again XX/XX/XXXX which was at least 30 days apart. Also called and spoke with them about the disputed accounts. Please be advised that this is my THIRD WRITTEN REQUEST asking Experian to remove the unverified accounts listed that remain on my credit report in violation of 15 U.S.C. 1681. Experian is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first/second re-investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Where are the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? They did not provide me with the name of that individual, their business address, and telephone number. So as you can see, they failed to verify the accuracy of several disputes I have filed. I am most certain that they are not following FCRA guidelines set in place to protect consumers from unfair reporting and inaccurate information being reported. Why are they refusing to do their due diligence? Why have they lied about actually investigating and actually verifying inaccurate information being reported.