davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NY)

UDAAP violation Chase branch and card services phone staff not trained on product benefits ; key exclusions from " XXXX points transfer to leading hotels '' not disclosed in table signage marketing for the new Chase Sapphire Reserve. It took 40 minutes and multiple phone calls to learn that XXXX XXXX is not eligible for XXXX transfer, after I had already signed up for a card for myself and my husband at {$450.00} cost each. A reasonable person would have assumed XXXX is a " leading hotel. ''
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

On my report there are XXXX chase auto loan inquiries from same chase bank they ran the same credit check twice both were not suppose to be ran because I was approved for a loan and the car dealer ran my credit on accident not understanding I was already pre approved. I am asking for them to be removed because I never gave permission to have my credit ran or tried to attempt to get a loan from this bank. This was not my wrong in doing it was a miss communication with dealer that thought I needed a loan but i already had one through my credit union.
Consumer complaint received 2019-06-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I am a single mother, I attempted to finance a home for me and my family and I could not because of my credit. That made me want to check my credit report and i saw a lot of fraudulent items i did not authorize.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nelson and Kennard (CA)

This firm is using wrong tactics on me to collect the debt. They are saying in the letter they sent a letter to Postmaster on XXXX XXXX to verify my physical address and they are saying on XXXX XXXX they received a response from the Postmaster indicating I had moved and left no forwarding address. This is absolutely false and should be prosecuted for giving false information that I moved. I have been receiving mail and also received a letter in XX/XX/XXXX dated XXXX XXXX. I have been at the same address for the last 16 years. Did they contact the XXXX XXXX company, the Gas company and Water District to verify my address. It will show with them my accounts through out and still have. If I had moved, I would not have accounts with them for that address. They are saying I declined to verify my address in XX/XX/XXXX and that is also false. Instead I asked them to verify my address and they did. I have phone records how many times I called this office numerous times since XX/XX/XXXX to get rid of this account. They had my phone numbers to contact me. Then they are saying my last payment made on the credit card was XXXX XXXX, 2012. I asked the Bank to verify where those funds came from. They said it came from the Business account when I never had business account in 2012. The last payment made was more than 4 years ago. The bank made errors before also on the statements. In order to file a suit they are showing payments made in 2012. I need proof how that payment was made.
Consumer complaint received 2015-11-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

An employee, " XXXX XXXX '', from XXXX XXXX XXXX tried to get me to pay for a debt that was already paid. He had all of my personal information regarding the debt. However, this debt was paid. When I asked for valid paperwork, I was transferred to his manager who explained I would be taken to court. 

Previously this company called me about a different debt that I was suspicious of. I did give them {$1500.00} for that debt. 

This time they wanted me to pay {$2700.00}. They are obviously a scam. The number they called from is XXXX and " XXXX '' is at extension XXXX. 

The more questions I asked and suspicious I became, the more they became aware that I was not going to pay their debt. They are con artists with access to many people 's information.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Protection Association, L.P. (CA)

ON XXXX/XXXX/16 I RECEIVED NOTICE OF DEBT MY HUSBAND OWED. I CALLED IN TO PAY OFF BALANCE AND SPOKE TO A REP NAMED XXXX XXXX. I WAS NEVER MADE AWARE I WAS SPEAKING TO DEBT COLLECTOR, IN FACT I THOUGHT I WAS SPEAKING TO REP FROM COMPANY MY HUSBAND OWED DEBT TO. ALSO, XXXX NEVER ADVISED ME THE CALL WAS BEING RECORDED. HAD I KNOWN I WOULD HAVE REQUESTED CALL BACK ON NON RECORDED LINE. THEN WHEN I TOLD XXXX XXXX SHE SHOULD HAVE MADE ME AWARE OF CALL RECORDING SHE BECAME DEFENSIVE AND BEGAN TO RAISE OF VOICE TO ME. 
I FEEL THE COLLECTOR HANDLED THE CALL VERY UNPROFESSIONAL, NO CONSUMER SHOULD HAVE TO BE TREATED IN SUCH MANNER. 
NAME OF THE COMPANY IS CREDIT PROTECTION ASSOCIATION XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (IL)

there 's a company by the name of concord resolutions called me and left a recording on my phone stating that I have limited time to place a statement on file and i called to see what is was about and the guy told me a company I owe wants me to resolve it or they will take me to court and to my knowledge I do n't owe any XXXX I 've been getting these debt collectors calls for months paid them back but now that I XXXX this company and a lot of people has said this is a scam and they been having problems with them I want all of the calls to stop so please what can I do? I 'm tired of giving money to these people and knowing I do n't owe them I just do n't want to deal with the threats and the courts at all
Consumer complaint received 2015-06-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

On a Sunday afternoon our Son XXXX while XXXX. XXXX We found an XXXX that day who would see him. When we arrived the receptionist told us they do not accept our insurance and the procedure would be approximately {$3000.00} dollars. She suggested that we applied to carecredit/synchrony bank to cover the expenses. I called my wife and she applied at home on the computer. We were approved instantly, however we did not have time to look over all the details regarding the loan because of my son XXXX. We took out the loan in XXXX 2012 with XXXX percent interest and paid faithfully every month for 18 months. We only had a few hundred dollars left to pay, when suddenly XXXX dollars in interest were added to our account. We did not realize this would happen. Our payment went up significantly and we continued to pay on time each month. Only now when we paid the interest continued to grow and the balance did not go down, even when we paid extra. Finally after XXXX three years of paying carecredit/synchrony bank we have paid everything we borrowed plus over a XXXX dollars in interest. This year we had circumstances in our finances that prevented us from continuing to pay this never ending debt. I feel as though we were vulnerable to unfair lending practices because of our son 's need of XXXX attention on that Sunday afternoon. I believe the XXXX office and carecredit/synchrony bank work together to use predatory lending tactics on consumers when in a desperate situation. Since we have missed a few payments carecredit/synchrony bank is out to ruin my credit. Not only from late payment reporting but by consistently running inquires of my credit report. I have paid them everything I owed plus interest. The amount that they are now asking is unfair. I would have never taken out this loan had I understood the nature of the loan.
Consumer complaint received 2016-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

I request to block merchant to charge from my account in XXXX 2015, My credit was closed in XXXX 2015. But merchant still can charge me from my closing account for past two month. Chase told me that I need keeping watching my account for future charge. My account was closed already.
Consumer complaint received 2015-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I received a notification on XX/XX/23 dated XX/XX/23 from MOHELA stating that my student loans were placed in administrative forbearance from XX/XX/23 through XX/XX/23. I did not request this forbearance and was not provided any additional information as to why or how this forbearance would affect my loan repayment. I requested that this forbearance be removed from my account such that my loans re-enter repayment status as I intended and that my payments continue to count towards XXXX. MOHELA has not responded to my message nor have they removed this forbearance. Communication from MOHELA has been extremely poor, with the rare communication that has occurred being delayed by several weeks, outdated information, or complete lack of information. MOHELAs decisions and errors directly affect my loan repayment as well as XXXX eligibility, and have been highly frustrating.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

Navient took over my student loan XX/XX/XXXX, at that time I spoke with a rep from navient and informed him I was working but part time and was struggling to pay my loan he offered me to apply for a hardship deferment I did so and believed everything was all set, until I started getting calls XX/XX/XXXX saying that I owe and on my loan and when I mentioned it being in deferment I was told it was never put in deferment and then next thing you know XXXX took over the loan and now that it has been in delinquent status it is hindering on purchasing the home I am trying to buy, it is now being managed by a company called XXXX who told me I can make monthly payments for 9 months and then it will come off my credit report as a negative item or I can pay the loan off in full. Also come to find out my loan is collecting interest in a daily basis. So not am I only stuck with this loan it is hindering me from fulfilling my dream of purchasing my first home.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I have been trying for months to remove the PMI from my mortgage for a year. I filed a complaint with the CFPB against XXXX XXXX and just as I was close to a resolution they sold my mortgage to Chase and I began the whole PMI removal process again. I sent a written request to Chase to remove the PMI as I have met the requirements for removal. As described in my second letter to Chase requesting PMI removal dated XXXX/XXXX/16 I have met the LTV ratio requirement below XXXX % and have no outstanding or late payments. I feel as if Chase is taking advantage of their valued customers. It is appalling.
Consumer complaint received 2017-02-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Harpeth Financial Services, LLC (TN)

If I need to file bankruptcy, Advance Financial is the cause. 
I 'd been with Advance Financial for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to Advance Financial and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. XXXX payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off Advance Financial and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are XXXX XXXX XXXX and Tennessee XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With XXXX XXXX XXXX, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX and XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and break my legs as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Original Message : Because I received a settlement because of my mortgage mishandling, I 'm just wondering why my credit is still reflecting negatively when you I was advised incorrectly for years and you admitted to it. I am requesting that you removed all the negative remarks on my credit. 
Bank of America Message : Dear XXXX XXXX : Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage question. 
Please review the settlement letter you received with your settlement payment, there is a wealth of information about the settlement related to your specific mortgage. You are encouraged to contact the credit reporting bureaus directly with your loan 's information, and submit any corrections you feel are warranted for their review. 

Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (MI)

On Friday, XX/XX/2016 I noticed a charge on my Chase Freedom account that I did not authorized. I called the Chase Freedom number and I informed the representative that a fraudulent charge was on my account. He indicated that he would send me a new card and that he would report the charge and remove it. 

I saw that the charge posted and that it was included on my XX/XX/XXXX statement. Moreover, there was a foreign transaction fee that resulted from the fraudulent charge. When I noticed this, I called around midnight of XX/XX/XXXX and asked why the charge was not removed. The representative indicated that I would need to call back tomorrow to dispute the charge. I asked to speak to a supervisor and asked why this was not handled when I first called in on Friday, XX/XX/XXXX. He was unable to answer this. 

After speaking with several representatives and supervisors on XX/XX/XXXX for a total of 35 minutes calling the Freedom line, I was left waiting on hold for a supervisor in your security department. I hung up and called the Chase Sapphire direct line and was able to speak to a supervisor in your security department ( even though the fraud was on the Freedom card and not the Chase Sapphire card ). After being on the phone for 20 additional minutes, I was able to find out that this was suppose to be removed from my account within 24-48 and it was not. I am suppose to get a return call from your recovery team to find out more details. 

As a longtime chase customer, I would like to know why chase did not handle the fraud charge appropriately the first time. As a holder of the Sapphire Reserve card and Freedom card, I expect the very best in fraud protection and Chase failed in this case. Please also let me know what recompense you are willing to offer for the unnecessary time and energy this incident has caused me due to Chase 's error.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (TX)

I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is JH Portfolio Debt Equities.The original creditor is XXXX. I researched XXXX XXXX and every single review said they were a scam. Both XXXX XXXX and JH Portfolio say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from JH Portfolio ( current debt owner ) and they told me they have to get the proof first. I have called XXXX 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that JH Portfolio Debt Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. XXXX has no records of this account so where is JH Portfolio going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with XXXX only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and JH Portfolio has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to Credit Control LLC even though the account is being disputed. Credit Control 's phone number is ( XXXX ) XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor XXXX have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.
Consumer complaint received 2015-05-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

Mortgage Escrow account we asked  Chase to remove home owners insurance. Chase did a mortgage escrow account review and noted a shortage. 
Chase printed the statement on XX/XX/2015 I received the notice on XX/XX/XXXX (Saturday), that my total monthly mortgage and escrow payment will change on XX/XX/XXXX Chase gave me the option of paying the shortage, or changing my monthly payment, or paying a portion.
Consumer complaint received 2016-12-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credit Protection Association, L.P. (GA)

I checked my credit report and have seen a several fraudulent claims on there from Credit Protection Association in the amounts of {$260.00}. Innovative XXXX. 
{$82.00} XXXX I have no knowledge of this claim nor am I responsible for it. You cant just be putting false accounts on people credit report.