davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (SC)

we applied at the request from our current mortgage finance company, jp morganchasebank ( this was a snail mail request on or about XXXX/XXXX/XXXX ) ... we were instructed to contact XXXX, mortgage broker for jpchase XXXX/XXXX/XXXX : the requests for financial information reached XXXX pages over a period of time from about XXXX/XXXX/XXXX to XXXX/XXXX/XXXX .. we have a perfect credit rating,,, we have had a chase mortgage for about XXXX years that had no problem with our payments which were always on time ... when we finally asked, after 4 months of reasks what our financial goal was we were denied any further access re additional information ... we were stonewallded by that banker XXXX ... without any response to what we were required to prove on XXXX/XXXX/XXXX we were summarily dismissed from the application process with NO reason except we had no sufficient income ... we asked what that income had to be to assure the new loan ... we queried what that had to be and were totally denied ... we then went to managers and threatened various counter actions ... ok so now what????
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I received a bonus offer from Chase Bank regarding opening of new checking acct. 
I called their customer service and refer me to the nearest branch Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I came to their branch on XXXX XXXX, 2015 around XXXX. I entered the branch and went to their new accounts. I meet the banker name Lorraineand telling her that i will open a new checking acct and setting up direct deposit. She respond to met in rude way 'you know what time it is? we cant open your acct since it takes 45 min to finish but it told her i was at branch prior to their closing. So she asked the branch Manager XXXX. So She came back asking XXXX valid id 's So i present her my Valid drivers license and ATM debit from XXXX XXXX XXXX. While on the process she ask to enter my ssn # then i entered it. Then she asked me where i born .Then i replied to her that i born in the XXXX . She said oh yah ... .. then she said are you resident of the US ? i said yesthen she said i need your green card since you born from the XXXX ... .... 
i asked her if she is serious she said yes with rude voice ... ... ... ... ... ... 
I told her i have it but i do n't bring it with me all the time for safety reason. it might lost. 
She said i do n't care you should carry it all the time since you born from the XXXX. 
We ca n't open your acct. if you want go to another bank but chase policy is that we ca n't open without your green card specially your born in the XXXX. So i felt discriminated and embarass. because of my race as a born from XXXX. I ask the Manager XXXX XXXX to told about it but it get worse she protect her banker and telling same thing since i born in the XXXX i need to have my green card. So i asked her that i can bring it tomorrow cause i need it on my direct deposit. But she told me that same thing you born from the XXXX Chase bank policy is to have a green card as primary id. I told her that i have shown already XXXX form of id 's to banker XXXX .But Manager XXXX said again. It 's policy if you born in the XXXX we require green card as the id.Also she said she dont care even i report them to any agency since she is the vice president of the company. 
I felt discriminated for what they did to me. Hoping that you 'll help and assist me with this unlawful treatment by this personnel from Chase Bank.They reject me and discriminate to open an checking acct since i born from the XXXX
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

There are XXXX negative reports on my Equifax credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit report.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AL)

Equifax credit reporting agency is providing incorrect information on my credit report pertaining to the State of Alabama XXXX payments, that has been going on since XXXX. The information is not correct due to the fact that I have been XXXX since XXXX of XXXX and my child had been receiving payments from the Social Security Department since XXXX of XXXX. I feel that this is an unfair practice of the credit reporting agency and the information has caused great damage to my credit rating giving me the outlook of a XXXX father. This information is currently being displayed on my credit report and I am asking that it cease from further reporting ASAP. Thank You.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XX/XX/XXXX from XXXX ( tried to upload the forms but was given an error message ) .that were specifically marked that the debts were discharged/forgiven and supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my disputes, they at first updated the items correctly. Unfortunately Equifax and XXXX subsequently reverted back to reporting it incorrectly as originally disputed ( XXXX made corrections and continues to report accurately ). I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually only to explain to me that the creditor ( XXXX ) is the reason for this ongoing issue. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters XXXX year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XX/XX/XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts closed, with {$0.00} balances and no delinquency regarding monthly payment history past XXXX. It appears ( based on Equifax 's explanation ) that this lies with XXXX continuing to report the accounts inaccurately but I still believe it is incumbent upon the bureaus to report what they know is accurate regardless of what the creditor is reporting if they ( the bureuas ) have validated it. Please help me get this corrected permanently. It has been the cause of numerous credit related issues, specifically the ability to send my daughter to college as originally planned.Thank you for your time.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (NY)

It is with great frustration that I am submitting this complaint. I have requested a loan modification twice with SunTrust to no success.. I am definitely not accepting their decision. They do not want me to appeal the denial. 
I feel their decision was based on incomplete or un-reviewed information. 
They have send me a list with various option indicating eligibility and ineligibility. I want my house. I am not accepting a deed in lieu. Why can they work out a plan that will allows to remain in our home. 
They have not consider the circumstance beyond my control. I was diagnosis with XXXX.. I was unemployed for a long period of time I had no other recourse than to request a work out plan from SunTrust Mortgage.. Refinancing not an option at the time. 
Our mortgage balance is more than what our home is worth. This situation cost me my job. 
Shortly after my personal life was like a turmoil.. It came down to where my wife and I separate it for a year due to this horrific situation. We have let Santrust know that thy have not helped us or done anything to help us. 

She now has returned home and contributes XXXX % to our household expenses We want to maintain our home. I really will like Sun Trust to consider my request. I have file an appeal. I have send all the documents required for a review. My wife " s income was higher for the year 2015 and will continue.. We are confident that we can take care of this mortgage as long as Sun Trust adjust my principal and interest and extended the terms of the loan. Please note that we are not looking to ignore our responsibility. Please help us out.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

I have called, emailed and faxed to Equifax that they are not reporting my current credit cards, Why is it that XXXX and XXXX can do everything right except Equifax. 
I want my XXXX credit cards that i use to report on my Equifax report. They are hurting my score and paying history because they still to this date after months of telling them to add these tradelines to my report. 

1 ) XXXX Credit Card ... XXXX 2 ) XXXX XXXX ... XXXX 3 ) XXXX ... XXXX 4 ) XXXX ... XXXX
Consumer complaint received 2016-01-28
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AES/PHEAA (OH)

I submitted a complaint to cfpb in XXXX of XXXX against National Collegiate Trust - Case Number XXXX. The response I received was not from National Collegiate Trust ( NCT ) ; it was from AES ( American Education Services ), who wrote to tell me that NCT was the collection manager and AES no longer had another authority to alter or negotiate the terms of my loan. Why did AES respond? I obviously knew they were n't the ones reporting it on my credit report, or else my complaint would have been directed to them. NCT is the one that is reporting my debt incorrectly. In addition, I would like validation of my debt with NCT, including a printout of all the activity on my account since they have taken over as servicer. I need this because I am disputing the balance they are showing on my XXXX Credit Report. My mother paid somewhere in the amount of {$18000.00} on this loan when NCT starting harassing her in the beginning of XXXX, so I know there is not a balance of {$22000.00}, as they are reporting on my XXXX credit report. In fact, the original amount of the loan was {$22000.00}, as you can see from the attached credit agreement, and I made payments from XXXX to XXXX in the amount of {$230.00} ( XXXX payments ), so it 's not possible that I have a balance of {$22000.00} as NCT is reporting. I believe my balance is {$.00}, as they have always previously reported.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have 3 HELOC and none of the other 2 asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me. 
Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report XXXX XXXX XXXX
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I recently have XXXX debt collections in my credit report but all of them are not mine. They are from XXXX and XXXX and I have been living in XXXX since the day I came to the States. 
XXXX of the account is back from XXXX and I only came to the XXXX on XXXX. 
XXXX of them are back from XX/XX/XXXX and I only have my social security number on XX/XX/XXXX 
So there is no way these accounts are mine. 
I also contacted the collection company and they were not be able to locate my files. And they said they do not have my social security number on file. Only someone with same name, same date of birth. 
I also filed a dispute with Equifax. But after the investigation ( they took about 5 days to investigate ), they claimed that these accounts belongs to me. 
These accounts are only on Equifax report, they are not on XXXX or XXXX.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax credit report XXXX indicated they researched XXXX XXXX XXXX XXXX acct XXXX and verified the account belongs to me. I have never disputed the account belongs to me. I have disputed for years now that my credit information and account was disclosed in a privacy breach reported to my by the federal government and reported to state and federal authorities including the federal task force on identity theft. This information was conveyed to XXXX XXXX XXXX XXXX prior to and after I began disputing the fraudulent charges displayed on my credit card account. Even thought the account is mine, I identified for XXXX the fraudulent charges. XXXX failed in their obligation to conduct a timely, thorough investigation into the matter and as a result permanently and negligently impacted me, my family, my credit report. I repeatedly asked XXXX to produce their investigation and they refused, simply stating they concluded there was no fraud. The account was opened XX/XX/2015 and went fraudulent on/about XX/XX/2015. The account has been carried negatively for over 5 years on my credit report and has been disputed consistently. Throughout this time, XXXX has changed their story, refused to provide a hard copy of their alleged investigation, and stated they were not the appropriate organization in which to present my grievance..
Consumer complaint received 2016-08-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (GA)

I took out private student loans for graduate school through XXXX, serviced through American Education Services ( AES ). I do have a full-time job in my field of study. However, I have had financial difficulties arising from a stagnant salary and no cost-of-living raises in 9 years since graduation. AES offers only time-limited alternative repayment options, i.e. six months to a year of forbearance, or three months of reduced payments ). Once you use those up, as I have, they offer no further options, or so they claim. I am told that I have no forbearance or deferment possibilities left, as these are private loans and AES is not legally required to provide more options. My attempts to explain my financial situation and explore other options fall on deaf ears. I am currently only 2 months behind payments, yet my account has already been sent to a debt collector. Consequently, my credit score in barely above XXXX. ( My account has been in collection before, at least 5 times in as many years ). " Customer Service Representatives '' either can not or will not help ; are often rude, and often give out false or misleading information. I once complained to AES about their daily phone calls, to which the CSR snapped, and I quote, " Then pay your bills, sir! '' Attempts to speak with a supervisor are met with evasion, being put on hold for 20 minutes, then cut off. I receive daily phone calls from both AES and the debt collection agency, which I have given up answering since they refuse to work with you or offer other options. ( I strongly suspect other options are actually available but AES will not admit to or inform customers about them ). Even if you submit partial " good faith payments '' ( AES 's term ), they STILL badger you by phone, email, and snail mail. I am at my wits end, and have had no luck finding anyone who will help me consolidate my private loans.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

Delay from Chase in making a decision on my loan modification. I have been trying to get a decision for 6 months and every time I call they come back with another question or XXXX from " underwriting '' and than say the will get back to me in another 30 days if they have more questions.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (SC)

I submitted a dispute with Experian regarding information on my personal credit report on XXXX XXXX, 2015 and shortly afterwards, they sent me a letter stating that they received a suspicious request. I called Experian and was informed that they would not re-open the investigation and that I needed to submit another dispute. As I am aware of the stipulations of submitting a XXXX dispute within 30 days, I waited until XXXX XXXX, 2015 and then submitted a new dispute regarding the same information. They did not respond at all to my dispute letter and I even provided them with the identification documents that they requested.
Consumer complaint received 2015-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CT)

I currently have my mortgage with Chase. I divorced back in 2011 and applied for an assumption to remove my ex wifes name. It was part of the divorce decree and my ex executed a quitclaim on said property. 

Chase denied my recent application for assumption citing that the modification had a XXXX year clause before any changes could be made to my exisiting loan. Upon reviewing the loan modification, which I have attached, I do not see where I had agreed or was aware of any such restriction. 

By order of the court/divorce decree in 2011, I called Chase and advised of my situation and looking for the best possible solution to resolve this matter. Chase send us the loan application to remove her name from the loan XXXX Assumption XXXX. Our bank loan processor was negligent in keeping us apprised our loan progress. After several attempts and weeks, we received a confirmation of a loan modification. Upon submission, our loan processor assured us that we could do both a modification and removal of her name in XXXX process. 
Upon receiving the confirmation paperwork, the only thing that was done was a modification AND Chase DID NOT removed my ex wifes name. This was the whole reason for us approaching Chase. We are very frustrated and are on the verge of losing our home because of incompetence and lack of good customer service on behalf of Chase Bank. 

As things stand right now, we are in contempt of court and will lose our home due to a technicality that I do not see in the mod paperwork. 

I am not a banker or expert on loans. I relied on my loan processors/customer service rep to guide me through this process. 

I have been trying to get a straight, smart intelligent answer to what I am trying to accomplish with my mortgage. My loan payments have been on time. 

Thank you kindly for your consideration.