davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX-XX/XX/XXXX someone made a purchase at XXXX store at the address XXXX XXXX XXXX, XXXX, ny for amount of XXXX , On XX/XX/XXXX I file a fraud claim on my account with the Bank of America. After a month of investigation BOfA took back a credit from my account and closed the case with explanamiton that in was a chiped card and the chip was insert. And based on this information all the charges was put on me. When I asked them to give me more information about this purchase such as copy of the signature, they was not able to. So they made a decision only on the information that the chip was insert. XX/XX/XXXX I filed a police report about it and based on my actions, BofA reopened the case. I also checked the address of the XXXX store and the address has no relarionships to the XXXX store, there are no connections with this building related to XXXX at all. As of now I am waiting for a detective from the police department to contact me and maybe give me some additional information about my case. I also waiting for the actions from the BofA investigation.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

they are wrongly seeking foreclosure judgement against me. the debt they are trying to collect was modified by our chapter XXXX bankruptcy plan. they were court ordered to modify the debt and are in contempt of court. they are trying to collect for fees and charges that they are forbidden from collecting by the provisions of our bankruptcy plan. I sent them several qualified written requests and proof of their errors but they will not correct my account. I provided their attorney with the modification, proof of all payments and court documents that prove we were not in default. The proof of claim that was submitted by XXXX Bank in our bankruptcy case has a different Note than the Note they 've presented in this case. They 're attempting to collect on the same debt with XXXX different Notes that they 've asserted to be the TRUE promissory Note. There 's only XXXX legal promissory Note. they have no case yet they continue to push through with their fraudulent documents. Furthermore, XXXX XXXX, an Ocwen representative signed an affidavit regarding the factual accuracy of our account despite Ocwen 's failure to do a Bankruptcy account reconciliation when we were granted a discharge. Ocwen did not do a bankruptcy account reconciliation until XXXX 2016, more than 2 years after they were legally required to.Their attorney, XXXX XXXX, submitted an affidavit declaring that he has " a continuing obligation to amend his affidavit in light of new discovered facts following its filing '' and certified the accuracy of the affidavits filed. However, he stated in the default hearing that he did n't read the modification agreement. The Agreement was attached as Exhibit A in my Answer. He also lied to the XXXX during the Summary Judgement Hearing that I missed due to a family emergency. He told the XXXX that he communicated with us but he never did, not once! he stated that they were willing to make loss mitigation or discovery efforts but they need participation from us. I gave him proof of everything, I have participated in every way possible! He lied several times to the XXXX because we were n't there to contradict him. they have misrepresented the amount of the debt, made false statements to collect on this debt, and seek to collect on a debt that their client has no legal right to. We were not in default. Ocwen 's unwillingness to correct my account as required by RESPA, the XXXX, and the FDCRA has subjected me to undue hardship and emotional distress!
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OK)

Well in XXXX I filed chapter XXXX bankruptcy I believe my first payment started XXXX of XXXX and a correspondence I got from wells Fargo its stated that I was past due in XXXX all the way back from XXXX I ask Wells Fargo what happened to the {$1800.00} a month I paid to my chapter XXXX for almost 2 years considering they were my only creditor on my chapter XXXX they responded their documentation is correct so I requested payment history from the XXXX County Court Clerk 's Office and regards to payments made to Wells Fargo on my behalf I 've been went to XXXX which is a service provider for Wells Fargo and printed out payment history from XXXX of XXXX until current date which is XXXX XXXX XXXX when I entered in XXXX of XXXX XXXX XXXX the only payment they have recorded started in XXXX XXXX of XXXX although my bankruptcy payments started XXXX of XXXX so I added up each month from XXXX XXXX and in XXXX of XXXX the court sent Wells Fargo {$2600.00} and then in XXXX they sent them {$1300.00} then in XXXX they sent them {$870.00} and in XXXX {$380.00} XXXX XXXX {$3.00} and in XXXX {$1000.00} and in XXXX {$770.00} and then starting in XXXX in XXXX XXXX the courts sent them {$1500.00} and in XXXX {$1100.00} and then in XXXX {$1100.00} and in XXXX {$1100.00} and then in XXXX {$740.00} and then {$740.00} and then another payment came in XXXX of XXXX and it was only for {$7.00} so not only are several of the payments from XXXX not being reflected on my mortgage loan but all of XXXX payments are not being reflected on my balance or payments and then which I will provide documentation verifying those amounts from the courts and then payment statements from XXXX who is the service provider of Wells Fargo. Then amount I have paid and that is not reflecting on my pay history is not a small amount it is a very large amount and may be the reason Wells Fargo stated that my loan was due for XXXX payment in XXXX considering they did n't post over a years worth of payments from the courts.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I would like assistance in getting NC State Employee Credit Union to review my loan for a one month deferment of the mortgage payment. I called the Credit Union on XXXX/XXXX/2015 and spoke to a person named XXXX. I explained that my mother died unexpectedly and I had to come out of pocket {$4200.00} to pay for a burial plot and autopsy. Because of this I am behind in making my mortgage payment by about 3 weeks. He said he would research if a one month extension could be done and call me back on Monday XX/XX/XXXX. I did not hear from anyone Monday XXXX/XXXX/15 or Tuesday XXXX/XXXX/2015. I called back on Wednesday XXXX/XXXX/15 and spoke to XXXX. She said that she would pass my account to XXXX and ensured me that I would get a call back. I did not hear from anyone the rest of XXXX/XXXX/2015. I called again on Thursday XXXX/XXXX/2015 and spoke to XXXX who said that the policy is that I can not get an extension if it was to pay an expense and if my hardship was under 30 days long. I explained that I was not requesting it to pay an expense, I 've already paid it and that is what has strained my cash flow. I explained that I was on unpaid leave from XX/XX/2015-XX/XX/2015, to which he said was n't a long enough time. I explained that I have XXXX checking account with the credit union, have XXXX auto loan currently, another car loan paid in full, a credit card, my mortgage, and a savings account. If I experienced a cash flow struggle in order to bury my mother, I think that deserves an exception to the guidelines. He agreed that it was unfortunate that the guidelines were not set up to assist my issue, but he had to go by the guidelines. He said that if my mother was on the loan, if I had experienced a medical harship instead of my mom, or if my mother had been sick 30 days instead of 21, they would be able to assist per the guidelines. He offered to approve a loan for {$950.00} to make the XXXX payment I 've behind, which basically increases my expenses even more and is no help. I would like to see if someone could review my situation looking at it from a " human '' standpoint rather than by a paper book guideline. I paid out {$4200.00} but only asked for one month ( {$950.00} ) worth of help. I could n't even get the Credit Union to honor their word to call me and talk about my situation. And when I get someone he says " your mom was sick long enough '' -- I think its beyond unfair, unreasonable, and flat out insensitive.
Consumer complaint received 2017-02-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America broke the rules. 
When Bank of America represented to me and bona fide purchasers the subject property is vacant and abandoned, Bank of America, the Trustee, the Trustee Attorney, the servicer, and third party representatives intentionally made false statements during loss mitigation processes including, but not limited to, the modification and foreclosure processes. These knowingly false statements and representations on a mortgage, Deed of Trust, or real property were designed to mislead and deceive in an effort to solicit or gain a desired outcome, action or inaction, or result and are in violation of the California Business and Professions Code. 
I have never abandoned or vacated the subject property and remain in possession, control and occupancy of the subject property to date. 
The XXXX Requirements are as previously stated and are to include the following : Anytime during loss mitigation processes when either party believes Dual Tracking has occurred or may occur, any foreclosure process can only be brought as a judicial foreclosure and no non-judicial foreclosure may be had. 
All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I have a private loan with Navient and graduated school in XXXX 2016. When i graduated I was unemployed, and when they contacted me to begin making payments, would n't offer me any affordable options. The payments they expected were around $ XXXX, with the option of extending the loan and bring it to around $ XXXX, which is still not affordable to someone who is unemployed. I tried to pay what i could afford on numerous attempts, but what i suggested was turned down. I have also been harassed with phone calls and voice mails that were left in a threatening tone. Multiple people close to me have also received non-stop calls from Navient representatives.I feel like there should be options for people who ca n't afford the monthly payments, but still want to pay what the can afford.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank is engaging in fraud and negligence. They are refusing to open an investigation in a check fraud matter. After several months of complaints with them, they claim the check was cashed at XXXX Bank and is now telling me to call all XXXX Banks in search of who cashed my check. I contacted XXXX Bank headquarters and they said, they will NOT give me any information concerning the check until Chase Bank opens a fraud investigation. Chase Bank refuses to open a fraud investigation because they know it will prove that the check was cashed by an unauthorized party. XXXX Bank is willing to cooperate, but Chase Bank is unwilling to do the same. Chase Bank is angry with me for pulling the bulk of my money out of their bank. I did so because they are completely negligent. Chase Bank is engaging in retaliation and is breaching their fiduciary duty. Chase Bank habitually fails to protect clients, Even if I wanted to sue the party who cashed the check, I ca n't because without the investigation, I ca n't confirm who the party is. Chase should be forced by the banking industry to open an investigation. Chase is engaging and encouraging fraud, because they are aware that the person who cashed the check ca n't be verified. This is a banking industry issue because Chase Bank is engaging in numerous violations of banking laws. Chase has refused several times to respond to my complaints, and are probably NOT READING THE COMPLAINTS. This is not about a XXXX dollar banking refusing to refund a couple of XXXX dollars. This is about Chase Bank bullying their customers without repercussions. They should be sanctioned for failing to cooperate, and acting in concert with fraudulent activities. I want a full refund from Chase Bank because the culpability is on them for refusing to cooperate and open an investigation with XXXX Bank ( or the correct bank ) who is also involved in this matter.
Consumer complaint received 2016-01-04
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Biweekly Administration, Inc. (FL)

nationwide biweekly with drew XXXX from my checking account to make mortgage payments on my house in XXXX ohio. They did not make a single payment and will not ansewer their phone.I contacted the bbb last month, they donot seem to care at all, they even post on their web site that all complaints have been settled. I contacted nationwide in XXXX 2015 and they did return XXXX to my account, but they still have XXXX of my money.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern : I am writing to file a complaint about Chase Bank where I am the accountholder of a Business Checking Account. Last week, I discovered XXXX unauthorized ATM withdrawals. I live in XXXX, XXXX which, unfortunately, is an area rife with ATM scammers who use a device to rip cardholders ' numbers and PINs in order to process unauthorized withdrawals. ( A number of my friends in the area told me after the fact that they have been victims of the same fraudulent scams ). 

I called Chase immediately upon discovering the authorized withdrawals ( which totaled over {$200.00} ) and was told by the bank that its fraud team would investigate the transactions. After a week I had n't heard anything back so I called them and was shocked to learn that they had closed my dispute request without even notifying me. I asked them why and they said that because at one point I had let my assistant borrow the card to pick up some camera equipment that they would not be investigating the fraudulent transactions further. I assumed that they would pull the camera footage from the ATMs but they did not, and moreover they refused to tell me why they would not pull the footage. Now I am left with no recourse to dispute these charges. I have spoken with multiple supervisors, and no one has been able to provide me with any additional information on why my dispute was denied or why they refuse to pull the footage. As a result I have no choice but to move my business account with an institution that has a better record when it comes to resolving fraud disputes. 

If you have any additional questions about this complaint, please feel free to contact me. Thank you for your time. 

Best, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX accounts are reporting improperly on my TransUnion Credit Report. ( XXXX and XXXX XXXX XXXX ). I have disputed the accounts several times. TransUnion continues to come back and say that these accounts have been verified as accurate. Today I called to check the status on the accounts, only to find that after sending in written documentation detailing my disputes, TransUnion FAILED to accurately dispute the accounts. ( See attached for the official dispute letters I sent ). TransUnion processed XXXX and XXXX XXXX XXXX as if I was disputing the amounts or other details of the account. As you will see in the attached, I WAS NOT. The specific dispute is that these accounts were NOT included in the bankruptcy that the creditor and the agency is claiming. I requested to speak with a supervisor and advised the supervisor that the XXXX account was paid in full ( high balance of {$30.00} ) XX/XX/XXXX ( see attached receipt from the University confirming this. ) The bankruptcy that the credit bureau is claiming as mine was filed XX/XX/XXXX. They are saying they need more documentation when in fact there is no further documentation needed. Common sense tells you a paid debt with XXXX balance would n't be included in a Chapter XXXX bankruptcy. TransUnion insists that they verified the information and they in fact have not. 
As for the XXXX XXXX XXXX, same scenario. This account is being listed as included in a Ch XXXX Bankruptcy which occurred XX/XX/XXXX, XXXX XX/XX/XXXX. This MasterCard account was closed XX/XX/XXXX. I used the card and made my timely payments until XXXX XXXX sent me a notice that they were closing it. I disputed with them directly, however they refused to adjust this. TransUnion removed my positive pay history with this account and listed as included in a bankruptcy that occurred almost XXXX years prior to my account closure. They continue to insist that this is verified as accurate. I have asked them to request the payment history for the account so that they can see the proof that I continued to make payments. XXXX XXXX refuses to give it to me. I advised the supervisor of this and also noted the fact that TransUnion did not even dispute the account properly. I asked the supervisor would this be addressed and he insisted that because there are offices in other countries, TransUnion effectively can not stand by the quality and accuracy of their work in reporting. This is of course extremely disheartening to find that this company does not follow the law in reporting accurate information on consumers reports. Both of these accounts need to be updated immediately or removed. I have now been through XXXX cycles of disputes. It is UNFAIR and UNETHICAL to continue to take me on this roller coaster, at what point are my rights to a fair and thorough investigation upheld.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (CA)

About JC Penny Credit Card. I found XXXX of {$2.00} minimum interest charges in XXXX/XXXX/15 and XXXX/XXXX/15 statements. I called JC Penny Credit Card around XXXX/XXXX/15 to ask why and they explained they were on the purchase I made on {$5.00} on XXXX/XXXX/15, which went to the remaining " promotional '' rate of balance and therefore those charges were made. 
First, no explanation until the call that that amount went to that kind of balance. 
XXXX, the lady on the phone waived those XXXX {$2.00} charges ( total of {$4.00} ) and I confirmed online that those charges had been refunded a few days after the call. BUT mysteriously, XXXX of the refunds had been disappeared when I checked online today. 
Third, assuming only {$2.00} were refunded, the latest balance that not reflect the refund. 
Fourth, the refund was made on XXXX/XXXX/15 and another {$2.00} minimum interest charge was made on XXXX/XXXX/15. I can see those on " Recent Activity '' page of their website, but again mysteriously, those transactions are not in the statement on XXXX/XXXX/15. 
I was just sick and tired of this never ending charges and just paid the remaining balance full today ( XXXX/XXXX/15 ), but I want those {$2.00} x 3 times = {$6.00} back or at least {$2.00} x 2 times = {$4.00} back as was agreed and done on XXXX/XXXX/15 phone conversation with JC Penney Credit Card Support lady.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (AZ)

I am user of chase freedom credit card. However, Chase put my account under security review for no reason. Worse still, when I called the customer service, I got transferred to different departments and being asked same personal questions over and over. They keep promising me I would receive a phone call within 24 to 48 hours. However,5 days has past and I got nothing. I volunteer to call chase yesterday and talked to a representative, answering all the security questions. Finally, she told me my account is clear and available to use again. Today, I called the customer service and was told that the account is under security review again. XXXX Everyone 's time is valuable. Chase is inefficient and chaotic, which waists my time.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (VA)

I called Ally Bank on XXXX/XXXX/16 for a loan extension I was told it was accepted then from XX/XX/XXXX to date I have been getting collection calls from XXXX something more than 4 a day. I called Ally and spoke to US people three times over 5 hours on the phone with promise of call back and resolution never a call back. The on XXXX/XXXX/16 I posted this on Ally XXXX XXXX called from Florida and said she would call back and never did I left many voice mails. XXXX even asking to do a extension now never a call back