davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (PA)

I have had my house on the market since XX/XX/XXXX, and listed with XXXX in XXXX, PA since XX/XX/XXXX. I was unable to make payments, and thus was suggested a short sale by my agent. My bank is Chase. The agent was awful and the branch supervisor had to take over the process. I had a qualified buyer with a loan secured in XX/XX/XXXX. The bank kept making excuses regarding approval of this sale, and the buyer lost their loan XX/XX/XXXX. They did receive an extension on loan from their bank to XX/XX/XXXX - only to be told it probably would not be approved for sale, after they said it was moved to closing - they withdrew. I now have had another offer - XXXX % cash offer with proof of payment and Chase XXXX will not allow this lady to make the purchase of home via short sale. This offer was verified XX/XX/XXXX and they said it might not be approved until XX/XX/XXXX. 
I am beyond frustrated and do n't know what else to do.
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

I made an incoming transfer of {$40.00} from the XXXX Bank to Chase to cover the outbound transfer for {$60.00} from my Chase checking account using Chase QuickPay service. The available balance on my Chase chasing account after the transfer was shown to be {$65.00}. Thereafter, I made an outgoing transfer from Chase to my daughter, XXXX, for the amount of {$60.00} on XX/XX/2016 to her Chase checking account to help her make a payment to Chase credit card. After the transfer, the available balance on my Chase checking account was {$5.00}. However, the next morning on XX/XX/2016, my account was overdrawn by - {$28.00}, because my account had been assessed a non-sufficient fee for {$34.00} for making that outbound transfer. Immediately I contacted the Chase representative asking about the fee. I was told that when the {$40.00} incoming transfer arrived to my Chase checking account from the XXXX bank, it was beyond the cut-off time of XXXX Central Time and that I did not have enough funds in my account to make the subsequent transfer of {$60.00} to XXXX. I told the representative that my available balance was shown to be {$65.00} before I was allowed to make the outbound transfer for {$60.00} using Chase QuickPay. However, she was unrelenting and refused to reverse the non-sufficient fee.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This bank is not allowing me to pay my car payment. There are many issues please see below:1 XXXX Made my first payment with a check and sent in the stub to set up automatic payment. they never set up automatic payment. And are refusing to set it up now. 

2 XXXX They never contacted me to tell me my payment was late, I have to reach out to them. 
The first time I was on hold, I waited for at least XXXX minutes for an associate to answer. When he answered he refused to take a payment or assist in anyway. His name was XXXX. When I asked to speak to a manger he kept me on hold for an additional XXXX mins. Then said he could not waive the {$15.00} dollar pay by phone fee, when I told him I did n't want to make a payment through the automated system he said there was nothing he could do. I eventually decided he was going to do nothing for me and attempted to make a payment online3 ) when I attempted to make a payment online they would not let me make a payment without verifying my pay from account. I tried and the verification did not work. I think it is a bit ridiculous to make a person jump through this many hoops just to make a payment. 

It seems and little unfair and abusive of them to do this to customers who just want to pay and set up an automatic payment. It seemed to me like they want customers to pay late and not set up automatic payments. I always pay my bills and put them on auto pay and have not had problems with other financial institutions. I was forced by the car company to use this bank and am very dissatisfied with the service. 

On XXXX XXXX, 2015 I called and spoke with associate XXXX in their bill pay department. He was unable to fix the " Bill Pay '' because it had locked. So he got me in contact with XXXX who works for Bank of America auto loan department. She gladly took my payment with no problem or fee, she also opened a payment dispute and request to get my automatic payments set up. However, I have no confirmation this was actually done. She said it will be investigated which could take up to 10 business days and then I will receive a letter. This would make my payment late again. 

I do not think it is fair I am being penalized, when the original error occurred at BOA not setting up my automatic payments. I did my due diligence in trying to make payments. Additionally, this hurts my loan amount. With the way amortization works on car loans it was taken out at varying cycles which causes interest to be paid out differently and essentially not lower my principal as much. They are costing me money in interest for the ineptitude at taking a payment from a customer wanting to make payments on time each month. 

Please stop these unfair and abusive practices and require them to set up automatic payments when it is an option on their billing statements. I think this is a violation of UDAAP, FCBA, and possible TILA. Since it is not disclose how difficult they make it to make a payment. Thank you for your time.
Consumer complaint received 2016-09-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (HI)

My last year of XXXX. I became so XXXX, that I was only able to see, XXXX a week, which paid my rent, but in no way allowed me to make a dent in my massive student loans. I applied for a medical forgiveness, but was turned down. Interest and penalties have raised my debt from about XXXX out of school, to almost $ XXXX. I was contacted by them and offered a payment plan of {$50.00} a month, which was do-able. In the XXXX month, they sold my debt to another bank I guess, and they demanded payment in full. Barring my winning the lottery, I do n't see anyway I will be able to pay this off. 
For the last 18 years, I have worked at an XXXX here in Hawaii, helping XXXX. I have taught XXXX, and will continue to try and help as long as I still have breath. But this huge debt is smothering me. I get debt collector calls all the time, at all hours, sometimes at XXXX. I know that is illegal, but have no idea how to pursue that. Is there any relief, or forgiveness channels available to me? Any new laws in the pipeline that might include bankruptcy?
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am not liable for this debt due to XXXX Statue of limitation of 4 years from the date of last known payment and they are still harassing me. 

How do I get them to stop and erase thus form my credit history! 
Thank you so much!
Consumer complaint received 2015-09-11
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

ON XXXX AT XXXX, I SENT MONEY THROUGH XXXX XXXX XXXX MONEYGRAM LOCATION XXXX XXXX XXXX XXXX AND DURING THE PROCESS, THE AGENT CLEARLY SAID TO ME MONEYGRAM HAS A NEW POLICY TO REQUEST PHOTOCOPY OF ID AND ALSO I MUST WRITE MY SOCIAL SECURITY NUMBER ON THE PAPER HAVING MY ID PHOTOCOPY. I SAID IT WAS NOT FAIR TO REQUEST ID PHOTOCOPIED PLUS SSN .HE SAID IF I DOUBT, I CAN GO TO XXXX XXXX .I WAS IN AN URGENT SITUATION SO I SENT THE MONEY .BUT BETWEEN XXXX AND XXXX I CALLED MONEYGRAM HEADQUARTER TO ASK IF THEY HAVE A NEW RULE TO REQUEST ID AND SSN? MOREOVER, I ASK MONEYGRAM TO SEND ME A WRITTEN COPY STATING CLIENTS MUST PROVIDE ID+ SSN ; XXXX SAID IN SOME CASES WHEN THE AMOUNT OF MONEY BEING SENT IS HIGH, AN ID IS REQUIRED BUT NO SSN. SHE ALSO SAID IN MY CASE MY AMOUNT SENT WAS LOW AND I WAS WRONGED BY AGENT. THEN I FILE A COMPLAINT ( CASE XXXX ) BECAUSE SHE SAID I WAS WRONGED BY AGENT .WHY WILL AGENT TREAT ME DIFFERENTLY BY REQUESTING EXCESSIVE INFORMATION THAT ARE VERY SENSITIVE? NOW, I AM VERY SCARED MY INFORMATION MAY BE USED WITHOUT MY CONSENT OR FOR OTHER PURPOSES WITHOUT MY KNOWLEDGE. IF AGENT IS WRONG, WHAT CAN MONEYGRAM DO TO ENSURE ME THAT I WILL NOT BE AN IDENTITY THEFT VICTIM BECAUSE AGENT HAD ACCESS TO MY SENSITIVE INFORMATION? 
BEST REGARDSXXXX.
Consumer complaint received 2024-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services ( CCS ) is currently reporting to XXXX, XXXX, and XXXX XXXX a charged-off collection account concerning an alleged debt owed to XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), CCS is obligated to ensure the accuracy of any information reported to credit bureaus. Failure to do so constitutes a violation of the FCRA. On XX/XX/XXXX, I requested via telephone that CCS immediately investigate this matter and correct or remove the inaccurate and abusive information regarding this account from my credit reports. 

Inaccurate Investigative and Reporting Practices According to my records, the XXXX XXXX XXXX auto policy in question was active from XX/XX/XXXX until XX/XX/XXXX. I informed XXXX XXXX in XX/XX/XXXX that I would not be renewing the policy due to an unreasonable premium increase. The policy was maintained in good standing until its expiration in XX/XX/XXXX, with no lapse in coverage, accidents, or tickets. As of XX/XX/XXXX, the XXXX XXXX XXXX was insured by XXXX XXXX XXXX until it was sold on XX/XX/XXXX, to XXXX. 

Abusive Reporting Practices : CCS is reporting the debt as both a charged-off collection account and a monthly delinquent account. These contradictory statuses are misleading and deceptive, violating 15 U.S. Code 1692e. Additionally, CCS has been reporting this disputed debt to my XXXX credit file up to XXXX times per month, every month since XX/XX/XXXX. This pattern is evident throughout the payment history, with multiple entries for the same month, inflating the perceived severity of the delinquency and violating 15 U.S. Code 1692d, which prohibits harassment through abusive collection practices.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I was given an American Express, " AMEX '', Prepaid Gift card as a " cash '' prize for a notable sum of money. I was given it in the form of a url. I have no account information, no password to protect the card, just a link that tells me everything about the card. I also was not asked to register a name or billing address, just told to use my normal information. 

Upon trying to use the card, I was rejected at nearly all modern major retailers I tried online. In particular, XXXX and XXXX, both of whom specifically list American Express Prepaid Gift Cards as acceptable forms of payment, were not able to complete transactions with the card. Additionally, in person at an XXXX store the card was denied when used via XXXX XXXX XXXX. I called each service and spoke with a live support agent who said that American Express was rejecting the transaction. 

Other sites I recall that don't work are XXXX and XXXX 

A common theme is that if an online retailer asks for the address, the transaction usually fails. American Express support strongly emphasizes I need to use vendors that request the expiration date and pin, despite all online vendors already doing that, and it seeming to make no difference. 

As for in-store transactions, as I said above, XXXX rejected it, but grocery stores ( Such as XXXX XXXX, a XXXX chain XXXX and most food service places accepted it. Since I received the card I have moved states, and at first it seemed that in-store transactions continued to work. But, about a week after moving states, the card is now rejected everywhere I have tried, despite me not changing anything with the card in my XXXX XXXX  app. It worked at XXXX ( another XXXX chain ) two weeks ago but not is consistently " Not Approved, '' XXXX rejects it outright. Local mom & pop restaurants all reject it. 

MOST IMPORTANTLY : American Express customer service has provided no meaningful support. They read off a script and tell me what it says online, and tell me if the card doesn't work then I should blame the retailer. They offer no solutions or alternatives. In the weeks I have tried working with them, their phone support has been redesigned in an attempt to prevent speaking with an agent. Instead, they offer automatic prompts that ask me to press a number, and none address my question. They only offer to read me a balance, list answers to pre programmed questions that don't remotely address my issues, or they redirect me to the online support, which then redirects me back to the phone system. I am now only able to reach an agent by reporting my card stolen as if it's a physical card ).
Consumer complaint received 2015-08-27
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Onity Group Inc. (NJ)

My home was damaged by fire in XXXX 2013, a claim was submitted to XXXX XXXX XXXX XXXX by Ocwen Loan Servicing, my mortgage company. The total amount approved by XXXX XXXX to cover the cost of the damages was {$150000.00} of which {$14000.00} was held back, and is still being held by XXXX XXXX as recoverable depreciation. Of the {$130000.00} that was disbursed to Ocwen, only {$100000.00} was paid toward the required repairs to my home. I have been trying to get Ocwen to release the remainder of the funds to enable me to complete repairs on my home, but to no avail, they are stating that all monies paid to them by the insurance company has been disbursed for repairs to the property. I even tried speaking with XXXX XXXX about releasing the recoverable depreciation to assist me in completing the repairs, but I am getting nowhere. I am currently paying the mortgage on the property that is not habitable. The other issue I am facing is that, in spite of the fact that the house repairs are incomplete, Ocwen is claiming that they have been sending inspectors to the property to appraise the progress of the repairs, and they have subsequently received a work complete report from their inspector, whose name remains a mystery. 
On another matter, I would appreciate if you would look into the work ethics of XXXX XXXX XXXX, also known as XXXX XXXX XXXX, they are the contractors whom I hired to do the repairs on my home, but they decided to take the insurance funds and not do the required work, incidentally, this was what drew my attention to the fact that Ocwen was withholding insurance funds. XXXX XXXX. XXXX XXXX, accepted and cashed checks by forging my signature.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MI)

Ocwen loan Servicing is dual tracking a short sale. There has been an offer on this property since XXXX XXXXXXXX. They have repeatedly asked for updated documents from the buyer, borrower and real etstae agent. Now they have put up a foreclosure sale date for XXXX XXXXXXXX.
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$280000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL EASATE LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280000.00} -This is not my account.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

Ocwen took my loan over when we filed Chapter XXXX in 2011. It has been a nightmare ever since. I do n't believe any of my loan information is correct. We are still in Chapter XXXX and Ocwen is calling me ( first call was on XXXX, yes, a Sunday XXXX to tell me I owe them over {$10000.00}. Absolutely incorrect and illegal since we are in Chapter XXXX. When Ocwen took our loan over, they gave us a modification which reduced our payment amount to {$1200.00}. They are now saying our payment amount is supposed to be {$1500.00}. I have documents showing the {$1200.00}, but I guess they ca n't find them. Most recently I received a bill for {$9700.00} and corrected tax document which will make me owe the IRS. I do n't think any of it is correct. I ca n't ever speak to anybody that speaks XXXX so I totally understand how nobody knows what is going on. Ocwen does have a consumer omsbudsman, who does speak XXXX, but they have n't done anything but lead me on as well. The omsbudsman said to give them 15 days to get it corrected and that was the day after XXXX XXXX XXXX XXXX ). I have received documents stating they will charge me for insurance on my home because I do n't have any, again, absolutely incorrect. I have requested a complete audit of my account from an outside source, but have not received any response. I am unable to scan all the documents in today, my scanner is not working. I did take photos and attached a couple of documents I 've received showing the amount I owe, it too changes all the time.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Mortgage was paid off several years ago, Originated with GMAC and transferred/sold to Ocwen, all XXXX # 's from GMAC are answered by Ocwen and they can not find the mortgage based on the GMAC loan number or the FHA Loan number. This property is being probated, I am the court appointed administrator of the estate trying to clear the estate. GMAC/Ocwen is in violation of Arizona Revised Statutes requiring a release to be recorded within 30 days of its satisfaction. I am asking for your assistance to get some where with Ocwen, their reputation supercedes their name is lousy servicing and this is another example of Ocwen 's blatant disregard to consumer rights and Arizona State Law/Statutes
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX, and Experian are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: HW Holding, Inc (MD)

This debt was first incurred in XXXX 2013. I refused to pay the creditor rent in the form of cash because of lease and data breach. The conflict started when I transitioned to the property who in turn denied my form of payment was accepted at their company. I was a section XXXX tenant. I was told after section XXXX not only inspected the unit, but began sending payments to XXXX after the rental agent accepted my voucher in order to recieve those abatements on my behalf from the housing choice voucher program in XXXX, Florida. I discovered They illegally shared and sold my information to debt collectors ( whereabouts and known income source ) and were caught a part of an illegal debt collection ring. Because of them I was sued for criminal theft by a bill collector for a unpaid credit card bill XXXX XXXX court but the charge was dropped because the judge deemed it bogus and missappropriated. The lease was then breached by the collector XXXX XXXX XXXX who turned down any further payments in the form of section XXXX abatements from XXXX. and blamed the XXXX XXXX that XXXX XXXX XXXX was owned by and they then demanded another form of payment from me immediately after and then they demanded to me turn the property over unless i pay the full amount of rent on the balance. 

So this debt was incurred for the following consumer related issues : *Data Breach *Illegal Debt Collection Practices *Breach of Lease All resulting in public records & court libel, harrassment, loss of assets and property and other incurred debt, expenses, loss of time and psychological damages. 

I feel that after this experience that XXXX should dismiss this action for collection based on the true facts. Their rental agent signed into a lease agreement accepting section XXXX from XXXX XXXX XXXX and then the manager turned down the form of payment after. XXXX did NOT get paid because they did NOT accept my " form of payment '' ... ... After mind you entering into a XXXX party contract that clearly states section XXXX pays this portion ... ..