davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (TN)

I have been informed that our home mortgage have not been properly handled during the modification back in XX/XX/XXXX. My wife lost her job in XX/XX/XXXX due to being laid off. Once we discovered she lost her job we immediately call XXXX XXXX XXXX about our income change. That 's when we decided to go through the modification process. We never stopped making our payments. We did not have the income to pay the full amount so we paid half the mortgage payment to keep some form of payment documented. XXXX XXXX XXXX said the amount of the money we were paying would be added to the end of our loan once the modification was complete. The estimated amount of money that we paid toward our loan during the modification process was est. {$13000.00}. XXXX XXXX XXXX dragged this modification alone for over 2 years or more. We have been thinking about selling this home and buying a new XXXX but discovered a few months ago that we are upside down on our mortgage. Everything we have ever paid on our loan was not applied to our loan. When we finally received our final notice of the amount of mortgage payment change the cost of the loan had went back to est. {$140000.00} it was like we never paid anything into our loan after being in the home since XX/XX/XXXX. The loan amount went back up over the amount we paid for the home. We knew this could not be right. Our loan has been now been sold to Selene Finance, who do n't even hold our note, they only collect. When we started questioning our loan a few months ago, Selene reported to us that we may need to investigate our loan because we have been ripped off. We have lived in this home for 10 years now, it do n't even look like we paid anything toward our mortgage. We ca n't afford an attorney, so we are in need of some help on how to move forward with this matter.
Consumer complaint received 2016-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

To whom it may concern, My name is XXXX XXXX Of course Bank of America can not get it right when it come to my short sale. I truly feel thing my short sale for address XXXX XXXX XXXX, mi XXXX. I have filed multiple complaints on this acct. they refuse to act or go any further on anything unless. I filed a complaint. I have submitted a 3rd party authorization 2x once to XXXX. I called they said they received it the signature was verified and everything was good. Still they would not authorize my realtor XXXX XXXX to handle the short sale. I was also told that sense he had already 3rd party it was not removed he should be ok. Then they had me send another 3rd party authorization. I called I verified they received it. They said it was ready to go and still he as not authorizations to work on my behalf to complete the short sale. If you could be so kind the owner or president of bank of America aware of all the problems and concerns I have me having with dealing with bank of America. Also of the short sale department be made aware that their company are refusing to help me
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (TX)

First, some feedback to the CFPB regarding your complaint submission webpage : The options listed on your website does not include the subject for my actual complaint. Therefore, I selected options that would eventually take me to this complaint narrative. As a suggestion, it would be nice for situations such as this if your online complaint webpage were to include an " Other '' category. 

-- -- -- -- -- -- -- -- -- CONSUMER COMPLAINT SUBJECT : Chase Bank Marketing Harassment My complaint concerns Chase Bank. I am not a Chase Bank customer, NOR will I ever become a Chase Bank customer. However, I am very frustrated by Chase 's aggressive marketing tactics. I would describe it as " Marketing Harassment ''. 

Chase is relentless in sending postal mail solicitations. Their tactic appears to be to flood your mail box with these solicitations to beat the consumer into submission to open an account so that the consumer will finally receive relief from these mail outs. I recall that at one time the frequency I was receiving these solicitations was about once per week. Over the course of a year this really adds up. It is also an extreme waste of natural resources, thereby being environmentally detrimental due to what has to thousands of tons of paper that they likely consumer annually for their overall mail solicitations across the country. Additionally, it certainly wastes my time in having to shred this " junk mail '', which is very frustrating. 

It took me having to make numerous phone calls over a three year period to finally get them to stop mailing me solicitations to my home address as well as my P.O. Box. These postal solicitations were addressed directly to me by my name. I believe they finally ceased doing this in late XXXX or early XXXX. 

However, this year they started mailing me these solicitations once more, though they are now addressed to " Our Neighbor '' at both my street address and my P.O. Box. 

I contacted Chase customer service this evening to request these mail solicitations be stopped. However, based on past experience I do not trust that Chase will do so. I am also equally concerned that if in fact they do stop sending this current batch of solicitations, that some time in the future they will simply start up again by addressing them instead to " Current Resident ''.

One question that most consumers who have experienced a similar excessively high volume of direct mail solicitations might ask is " How many times and over how many years must a consumer fail to respond to a financial institution 's direct mail solicitations before the financial institution finally gets the hint that the consumer has no desire to do business with them? 

I am simply tired of Chase 's marketing harassment, and I desperately want it to stop once and for all. Therefore, I am seeking your assistance to make sure this will happen. 

Thank you for your assistance!
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

On XXXX XXXX I sent email to cash app asking to have my account unlocked I have money on the account I cant use because they locked it not sure why but I submitted request to have unlocked received general email when you request support says I would receive email within 24 hours I heard from them finally on XXXX XXXX asking for additional information to help me with the account I sent all required information asked back to them eight minutes after I received email and I still have not heard anything yet and today is XX/XX/2020 I just want my money
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NY)

I have been a credit card customer of Chase since XX/XX/XXXX. On XX/XX/XXXX, I received notification that my credit card interest rate was increasing from 10.24 % to 15.24 % on purchases. The reason for the increase was " because your APRs are below the lowest APR we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' When I called Customer Service and asked what my options were they stated that if I did n't want to accept this change, I could reject the change and then my account would be closed, I would not be able to charge anything further and that I was responsible for paying back the outstanding balance. 

Chase had upgraded me to a Chase Sapphire card due to my excellent payment history and responsible use of the card. Please note, that back in XX/XX/XXXX or XX/XX/XXXX my rate was changed to a higher rate due to a late payment. I never again made a late payment from that point on. 

We had recently gone abroad for vacation and I called to ask for a line increase ( just in case we needed it while on vacation ) and no one mentioned that this rate increase was coming and they added more of an increase than I even requested ( I asked for a $ XXXX increase to my {$13000.00} line amount and instead they increased my line to $ XXXX ). So now, the outstanding balance is very high and I feel like they are taking advantage of my high balance to gain more interest. I signed an agreement and feel that I have lived up to my end of the bargain. Chase never stated to me that they could raise the interest rate because I did n't have other accounts with Chase or because MY rate and MY agreement was better than what Chase offers currently. They offered me no alternatives to keep the rate that I have. 

This can not be legal. This rate increase will pose a significant hardship to me on paying off this balance. Does customer loyalty, making payments on time and as agreed to not count for anything anymore? Why, in the past 10 years have I never experienced this kind of rate increase before? ( The only large rate increase prior to this was my fault due to a late payment )
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (GA)

Financial Control attempted to collect more than I owed for medical bills, that my insurance Company, XXXX XXXX had paid. I did pay CFC a lesser amount that we settled upon more than a year ago during 2014. They stated that the collection would be removed from my Credit Report if I agreed to pay that day! I felt forced to pay it, since I knew it would negatively affect my credit score. A year later it is still on my credit report!!! I want Central Financial Control to remove this from my credit report as they stated they would. This is an unfair tactic, that destroys ones credit.
Consumer complaint received 2015-08-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America Has Been Placing Hard Inquiry on My Credit Report. They Keep performing hard inquiry again and again. Numerous Certified Mail Phone calls and Even lack of Proof on my part to authorize them has not been investigated nor even acknowledged by the Bank Of America. My credit report is on fraud Alert and itys really hard to place a hard Inquiry. These are the Numerous dates of they inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They ca n't provide a proof for my authorization for these inquiries. Yet no Response from The Bank nor any compliance from Credit Bureaus. Please note the same branch and location of this Bank Keeps Placing Hard Inquiry on My Credit Report. 
BANK OF AMERICAXXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

I have sent two letters to Chexsystems asking for validation of an account that I believe is fraudulent. They have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. I requested a copy of any documents provided by XXXX XXXX bearing a signature showing that I have a legal binding contractual obligation to pay as is my right per the FCRA. They are in non compliance.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CT)

I have the XXXX XXXX credit card from Comenity Bank. I have not used the account in the last few years. On XX/XX/XXXX I was charged {$100.00} on the card to be part of the XXXX XXXX. I however was not informed of this by XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX when I realized that I had been charged and was being charged a late fee. XXXX XXXX   said they sent emails on XX/XX/XXXX and XX/XX/XXXX but I provided screengrabs that I did not receive any emails about this and XXXX XXXX reversed the charge. 

Comenity Bank manages the credit card. I reached out the bank and they were only willing to take off 1 of the late fees. I had a past due account and wanted to close it. Even though I was unaware of the charge and did not consent to it and XXXX XXXX even reversed it they did not care and when I said that I should be not be responsible for paying it they closed the account and sent the information to the national credit rating agencies. I have copies of all of my messages. I was past due on an account I didn't know even had a balance because I did not consent to the charge and they were entirely unwilling to be understanding, especially since after the charge was reversed the only balance was late fees and interest on a charge that was no longer there.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MD)

I have legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. In doing so, I have mailed them two times with my credit card, ssi, driver license and legal name change order from the state of Maryland. 

You guys have denied me twice. Youre being a real pain and I do not like you causing me a pain and need you to meet my request.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX TransUnion XXXX Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (MN)

Amount owed is much less than stated. XXXX must also take into account the they they had preached the trust and agreement between them and i. Therefore forced me to incurre various charges to move to a new carrier. Therefore ammount requested is wrong and baseless.
Consumer complaint received 2017-11-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CT)

I cosigned for my children Loan students in 2007 with XXXX XXXX XXXX XXXX the Loan Account Numbers are XXXX XXXX all Loans total amount for {>= $1,000,000} Dollars. My children default in payment the Company had the files is Navient XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX PA XXXX My children call them and stay doing new Payments plan, I contact to them ask why them want to collect from my amount {>= $1,000,000} is they still do the payments but not body help me o give me any information and solution and still send me Collection for this amount please i need help me how I am resolved this hard problem from me The account with Navient is XXXX. 
The Federal Family Education Loan Program have promissory Note The company try to collect the debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

After 24 years with USAA Federal Savings Bank ( I know it 's 24 years because they end every call with 'thank you for your valued membership for 24 years XXXX ' ), they closed our bank accounts, and have refused to give any reason. They also are holding all our funds for 30-days. I 've tried talking to as high up in management as possible, but continue to get the same answer, " that it was a legal decision within their rights from the review board and the review board does n't take calls or have to answer why. '' Luckily for us, we had another bank account, otherwise we 'd have no money right now. So warning to others, make sure you have at least accounts and money with at least XXXX different banks.
Consumer complaint received 2016-06-14
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Premier Portfolio Group (IN)

They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RR Resource-Recovery (NY)

I cancelled my membership at XXXX XXXX. However they kept me as member for 4 more months. They sold my debt to collection company. Neither health club nor collection company did not provide me with any papers verifying my debt, membership status, payments etc. I sent multiple written requests to collection company asking to verify the debt and send me a breakdown but never received a response.
Consumer complaint received 2017-02-04
Product: Consumer Loan — Title loan
Issue: Received a loan I didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Wheels Financial Group , LLC sent me XXXX for XXXX on a loan I never applied for nor received. I do not have any knowledge of this company. I have never done business with this company. This seems like Tax Fraud and Identity Theft.
Consumer complaint received 2016-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MN)

I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One. I was told some time ago that they would lower my interest rate from something like 23 % to 20.15 %. They are charging me 20.4 % per XXXX a supervisor at Capital One. She says because the Federal Reserve Rate was increased. That should have no effect at all on my interest rate. I was told my interest rate was going to be 20.15 % for six months and now they need to go back and correct my account. There may be others as well that need to have their accounts adjusted. I never received a notice from Capital One stating that they were raising my interest rate. They have to tell me what my interest rate is under Federal Disclosure laws, they did not. This may be a class action lawsuit. Okay, so the Federal Reserve Rate is increased .25 %? They are already charging three times the Federal Reserve XXXX so the .25 % is better off in my pocket than it is in Capital One 's. Right now I have no money, have doctor 's appointments to make, and have to wait until the XXXX to get more money. I have attached statements showing my interest rate was 20.15 %. XXXX of the documents is awful looking, but you can see where they were adding interest to my account. At this time I had the card paid off by XXXX XXXX XXXX XXXX, where I get a much lower interest rate. Also, I am getting student loans now and they are about 4 %, I am trying to pay them off and just keep the cards for emergency only, and since the interest rate on this XXXX is higher than my XXXX Account, I will probably eliminate this card altogether.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

Several letters have been sent to Wells Fargo ( WFDS ) asking them to verify the inquiry that was placed on my credit back on XXXX/XXXX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
Wells Fargo ( WFDS ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. Wells Fargo response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.