davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (OH)

On around XXXX XXXX, 2016 I found that my credit card was lost and reported this to Chase Bank. I contacted them via phone and by their secure message center. They advised me that the card would be shutdown. I advised them that the card had been lost during a TSA checkpoint along with our passports. We later recovered our passports, when a TSA official saw them lying on the floor of the airport. Apparently, the card was never shutdown since there were charges totaling about {$26000.00} placed after XXXX XXXX. I contacted Chase Bank to let them know that there was still activity on the credit card on XXXX XXXX and at that time they reported the activity on the account as fraud and proceeded to close my account. I have a copy of the emails sent on the secure message center and the cell phone log to Chase Bank notifying them of the lost card on XXXX XXXX, 2016. 

On XXXX XXXX, 2016 I received a call from XXXX XXXX, a fraud case worker, who stated that " fraud could not have occurred on my account because the items were delivered to my home address. '' I asked her what the address and information was on the order and she stated an incomplete address without the apartment number listed. She also provided a phone number and email address not associated with me. She went on to state that " since the authorized user on the account had previous fraud on his account, this fraud is the exact same and will be rebilled onto the account. '' I advised her that I do n't know about the details of the authorized user 's previous fraud claims. I also advised her that hold requests were in place with the USPS and XXXX mail services for our address because we were out of town ( hotel invoices were provided ). A USPS mail fraud claim was also filed on XXXX/XXXX/16 and a police report was filed XX/XX/XXXX regarding these circumstances. A ID theft affidavit is already on file with the FTC and a credit freeze has been placed onto all of my credit reports. I feel that I have taken all the necessary steps in ensuring the security of my credit card account. 

I would like Chase Bank to absolve me of these fraudulent transactions, as per their cardmember agreement, and issue an apology for all the hassle they have put me throught. I am a chase private client with an impeccable credit history. Furthermore, I personally have never had any fraud with any of my Chase Credit Cards.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

I took a XXXX-year fixed rate mortgage with Wells Fargo about XXXX years ago, and have made many payments in advance ( sometimes, upto XXXX years in advance ) of the due date since I wanted to pay off the loan faster. Wells Fargo has chosen to treat these considerable advance payments as if they were made on the due date, and is refusing to give me credit for the " unearned / unaccrued '' portion of the interest. WellsFargo seems to be charging me equivalent of a " pre-payment '' penalty, which is statutorily forbidden in my State. I found another error in their calculation XXXX how the payoff amount was being calculated ), and Wells Fargo fixed that portion earlier.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-03-26
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX 2015, during a 3-way conversation with Wells Fargo rep and XXXX XXXX, WF rep talked about my account information that was outside the realm of what the refi company was asking for. I only gave permission to the WF rep for each question that the XXXX XXXX asked, so there was no need for the WF rep to volunteer any information or say anything unless I gave permission for her to answer the XXXX rep question. Without being asked, the rep talked about my monthly payment and stating the amount that was due and asking when would I be making a payment. The refi person stated that she should not be privy to this information and disconnected the phone call. After this 3-way conversation a yes to refi was turned into a no with no valid reason why refi decision was changed. My complaint is that the WF rep gave out information without my permission and information that was apparently detrimental that lead to my denial of credit. What I want done is to receive monetary compensation from WF for this denial of credit due to incorrect release of information by WF rep.
Consumer complaint received 2018-04-29
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. (FL)

I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NV)

Chase Home Finance Foreclosed on a mortgage which had been rescinded. The XXXX descision of the US XXXX court and the TILA indicate that:1. Chase and it 's Foreclosing Law Firm, XXXX Wisconsin did perform a wrongful foreclosure, eviction from my family 's homestead. 
2. Chase Home Finance did not provide a " satisfaction of Lein ''. 
3. Chase Home Finance did not return payments and fees as required by TILA regulation z. 
4. The XXXX XXXX courts, being familiar with the Rescission document proceeded to railroad the foreclosure with a replacement " sniper judge '' who also said she had reviewed the documents in the case, proceeded to deny me access to the court by warning me to not object. 
5. Chase Home Finance and the XXXX XXXX Sheriff sold the home over my recorded telephonic objections in the telephonic presence of a notary public wherein I specified a fee for wrongful sale of the property. That fee has not been paid as is required by my " terms of wrongful sale '' of the property. 
6. Chase Home Finance did not counter sue to void the rescission. 
7. Chase Home Finance did not return the canceled note as required by TILA regulation z. 
In summary Chase Home Finance is in violation of TILA Regulation Z.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MN)

This is a follow-up from former submission XXXXI was denied a useful modification for a bogus reason ... that I received applications in XX/XX/XXXX 2014 & XXXX 2014 & failed to submit them. I had shortly before that submitted a complete application. When I called to ask about these extra copies I was told to ignore them as they were automatically mailed out.Our application was denied. Now it is happening again. I am once more 3 months in default & called to ask for help. Our home is listed for sale & we have an interested party who is expecting a large settlement soon but we have nothing on paper. I asked for my personal rep but got a gentleman instead. He asked for a lot of information & then told me they would give me a little time & to keep in touch. Then I started receiving application packets in the mail ... XXXX from XXXX different addresses in one week ... each one a little different. I called my rep who was no longer XXXX ( who I could never talk to anyway XXXX but is now XXXX for help. She told me to ignore them & do n't bother to submit any of them. And I need to pay up now or I am in foreclosure as those papers are already to send to me, HELP!!!!
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

I accessed a one time service from Experian for a credit report when applying for a credit card two years ago. Since then I have received emails from them and assumed this was junk mail. I never opened them nor have I used their online rating service since the initial check. I have not received paper billing from them. This week I checked my online bank balance and noticed a {$27.00} fee from Experian every month. I called my bank and they traced the charge back to at least XXXX 2015 - which is close to {$500.00}. The bank said they could not reverse the billings. I called Experian to cancel and file a complaint. They said that when I signed up for the initial service I was supposed to cancel after seven days and that this direction is clear on their website. I have no memory of this being clear ; I 'm very careful and have never had this problem with any other online service that I 've used. They offered to refund XXXX payment of {$27.00}. I have researched Experian complaints in online chat boards and have found that many people have had the same problem.
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I am not sure you can help me but I have reviewed my credit report numerous times. I have paid my bills on time for the past approximately 10 years and the problem is my credit number does not increase. My status has changed to retired person but even when I was working and making over {$100000.00} and paying bills on time does not positively affect my credit score. 

Can you help with this issue. Perhaps there is something I am not seeing and I do not care to go to a credit expert because they always seem to be selling something. I know you act for my interest and would like some feedback on either your opinion or next steps. 

Thank you, XXXX XXXX
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (GA)

I have contact this collection agency for over month now requesting supporting documents that they accused saying i owe them and their response are that they do not have any information to provide to me and according to Federal law this merchant to ensure this item actually belong to me and this item they reporting to credit bureau are misleading, inaccurate and incomplete and i feel they have violated law
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

In XXXX, I bought a house and was financed through XXXX who sold my mortgage to XXXX XXXX XXXX, who then sold it to Greentree Service which became Ditech. There have been issues with Greentree and Ditech all along the way, with fees and harrasing phone calls, but the kicker was that I started to get a refinance in XXXX XXXX. From then until now, it has been one list of confusion and run around. No one in this company gives you the same answer and money seems to go missing. I first was told that I owed late fees but they couldnt tell me how much or for what or why I had money listed in an account marked " other funds '' but that wasnt late fees paid. Then they did a research on my account and magically made things add up after weeks and weeks. They lost my payment miss applied my XXXX mortgage with my XXXX and than held up a few more weeks. XXXX seperate checks with XXXX seperate accts numbers. Then finally the refinance department calls me and say they called my home owners insurance company and found out that my policy was cancelled a year before in XXXX XXXX because of non payment. Although it has always been part of my escrow. But when I call customer service they tell me no maam you are insured. They give me the policy number, the due date, the amount due etc. So for the past week its been chasing my tail to get straight answers. Where is my missing money? Why wasnt my policy paid. Where is a check they tell me they refunded me. Why dont they realize that if they have an extra {$1100.00} in the acct they may need to figure something out! I now have been dropped from my insurance company who wont take me back because of the lapse. I had to get a terrible policy just to get coverage. My out of pocket XXXX forbid something happen is {$2500.00} its a nightmare. So now that I ask where my money is now tax payments show that they have been issued to the county and XXXX to the city ( although I dont pay a city tax ). Both for the same amount. My township says they havent received a payment since the XXXX quarter. I think my money is being stolen or pocketed. I need help.
Consumer complaint received 2015-05-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: MNE Services, Inc (CA)

multiple harrasing phone calls all day to my place of employment. they threaten my co-workers, telling them that " we are going to suffer the consequences ''. they will not stop calling, even after my manager has told them to stop. i have tried calling them, and they say that they will not stop calling my place of employment until i paid about {$1500.00} via prepaid visa. i 'm scared that they will somehow find my relatives phone numbers, specially my XXXX year old mother 's number and start harrasing them. PLEASE, IS THERE ANYWAY TO STOP THESE PEOPLE. THIS IS NOT RIGHT!!!
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have sent Experian numerous of certified letters requiring them to verify my Chapter XXXX Bankruptcy. I have included copies of the original disputes, which lists in detail the type of verification requested. I understand that my bankruptcy remains on my public record, not my credit report. This Bankruptcy is a third party reporting, Experian was able to get my public information. XXXX Court and credit bureaus are not affiliated in any manner and the court is unaware of their process and procedures for reporting or removal of information from a credit report. In addition, the XXXX Court does not report or verify information with credit bureaus. The credit bureaus have their own procedure for retrieving information from the public record of the XXXX Court and the court has no knowledge in this regards. I ask Experian to validate ( 3x 's ) with the United States XXXX and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. This unsatisfactory as proof that Experian is unable to provide me the documentation. Experian, have not complied with my right to have validation of my Chapter XXXX Bankruptcy, according to the standards of the FDCPA, and you not responding is hereby rejected as a validation of the Bankruptcy. You must remove the collection listing from my credit report, or I will file a lawsuit for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation.
Consumer complaint received 2016-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech ( formerly known as Green Tree ) increased my escrow amount by {$58.00} on XXXX/XXXX/16 due to increasing property taxes and insurance. No problem here - except that I was not notified of this increase either my email, electronic statement, mail, nothing. 
The only way I found out about this increase was by logging in and discovering this increase a month later and discovering this increase. 

Also, as I write this on XXXX/XXXX/16, Ditech has received my payment in full according to their " Payment History '' section of their website - however - they still show my XXXX payment as outstanding. It 's almost as if there 's a bug in their website.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC (MD)

This is a classic bait-and-switch scheme. Finance of America gave me an Estimated Prequalification Cost Analysis on XXXX XXXX, 2016, quoting a 3.75 % interest rate, 0 % points, and {$440.00} Lender Credit ( please see attached. ) I signed a Loan Commitment with Finance of America on XXXX XXXX, 2016, locking in an interest rate of 3.75 % and total points of 0 % ( please see the attached ). The lock was set to expire on XXXX XXXX, 2016. After paying {$430.00} for my appraisal and going through a long underwriting process, I was informed that " circumstances have changed. '' On XXXX XXXX, 2016, I received a Changed Circumstance Cover Letter asking me to sign a new loan estimate with additional {$1200.00} in origination charges ( 0.725 % in Points and the loss of the {$440.00} Lender Credit. ) Even though my loan amount went down from {$160000.00} to {$140000.00}, my Loan Costs, net of Lender Credit, went up from {$1300.00} to {$2800.00} ( please see the calculation sheet attached ). I have reached out to XXXX XXXX, the branch manager in XXXX, NC for resolution, but he is unwilling to honor the Loan Commitment. Please help.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

told to get XXXX to pay loan because they wpouldnt letus change dates.on fixed income and ss comes in after the XXXX of the month .say we had to be charged for that service.we have been paying this XXXX service for a while and I could n't understand why? said it was because we could n't paqy on due date.they also never had us to sign any papers when they took the note from XXXX.we still own around XXXX and only paid XXXX for unit.been paying since 1999.
Consumer complaint received 2015-11-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks
Consumer complaint received 2017-01-13
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld continues to send the XXXX student loans to collection agencies even after I was able to get the loans deleted from my credit reports. Transworld has sent the loans to XXXX different collection agencies to get me to pay it, I never signed any agreements with XXXX XXXX XXXX or Transworld. The only documents that were sent had XXXX XXXX XXXX on it not XXXX XXXX XXXX. XXXX XXXX XXXX must show proof they own the debt and ca n't just claim they do. I already spoke with a FDCPA attorney on this and XXXX XXXX XXXX must have proof they have the rights to collect on those loans, it is not enough to send promissory notes that I signed with another company and claim that you own them without any proof. XXXX XXXX states they no longer own the debts and XXXX XXXX XXXX should have sent documentation to me that they purchased the loans and have the rights to collect on them. My mother received calls about these loans even though her name is not on them, they told her they were looking for me. Even though that was not a number to reach me and they knew this. I do not want any more collection letters on these loans. I just had XXXX XXXX call me today on these loans but XXXX had the loans about two weeks ago. Transworld needs to leave me alone. I do not owe XXXX XXXX XXXX anything because I never received proof they have the right to collect on the loans because NCT is a trust not a company and per state law they have to follow trust regulations which they have not.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (GA)

There was an XXXX account opened that was did not belong to me that is currently in collections. The account was opened on XX/XX/2013 in the amount of {$1100.00}
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern ; This is to advise you of the my deceptive betrayal and the law breaking servicer/lender who is foreclosing on my house. I fell behind in my payments after the economic crisis that affected alot of homeowners in this country. My employer was n't doing well cut my hours and was not able to make my mortgage at that time. In XXXX of this year my circumstances improved where I could modify my loan so I contacted the bank and they told me I was eligible because I was not residing in the property but that I could do a short sale. After 2 months of sending them short sale/loss mitigation documents they requested they posted my house for sale. I later filed a bankruptcy and later was dismissed. I have been trying to get the servicer to assist me in my short sale but they are always giving me the run around since XXXX of this year. I filed a short sale loss mitigation application AGAIN with the bank in XXXX 2015 and XXXX XXXX 2015. I ask CFPB to investigate my servicer/lender whom is not only violating the law but acting in bad faith. They are telling me they will consider the short sale but will not stop the sale. That is DUAL TRACKING. They need to stop the sale date and decide on the short sale.