davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Cadence Bank (TX)

Numerous letters from BancorpSouth mortgage provider stating that they do n't have proof of hazard insurance and that they would be buying it on my behalf and would charge me an outrageous amount. I called and emailed them the policy from our XXXX 's XXXX contact and gave them the contact info so they could contact them directly in the future. Each time, they said they received it and it looked like what they needed. But the letters did not stop. I contacted them three times, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. They said on this last call XXXX XXXX was the representative ) they they will get the information from the XXXX 's XXXX directly, which is what I asked for originally. I asked them to keep this in their records so that next year and the year after etc they could get it from the proper source. They said that no they would not do that, said it will happen every year, and were generally rude, unhelpful and unprofessional.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I am trying to track the person who cashed a check from my Chase Bank account. The person 's bank account number or bank information is NOT on the check. Chase Bank refuses to open a fraud investigation with the bank where the check was presented, They are engaging in fraud and negligence. Instead of them reading these complaints, they have auto-replies. They have not replied with the information needed to determine who cashed the check. They simply are reading the name on the FRONT of the check, not the back. Well, these complaints will keep coming until they open a fraud investigation. I went into Chase bank and requested them to open an investigation. I was told to open a police report. My response was I ca n't open a police investigation until I know who cashed the check. I contacted XXXX and was told that the numbers on the back of the cleared check DO NOT BELONG TO AN ACCOUNT WITH THEM, Chase Bank is grossly negligent and unprofessional. These complaints will NOT cease until they open an investigation with the bank where the check was cashed because Chase Bank is responsible for knowing who they give money to from customers accounts.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy.
Consumer complaint received 2015-12-16
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (KS)

The company General Revenue Corporation has been contacting family members and friends of mine but not me directly. They have left account information, along with phone number but no company name every time or it is someone that XXXX is not their primary language calling. I have been in contact with the company as well as Navient and both representatives have told me that this matter is no longer being handled by this company. I have gone as far as emailing them to cease and desist calling other parties that have nothing to do with the matter that they need to contact Navient as I have and get it straightened out that this is with another collection agency and the matter is being handled. It is not fair that the company did not inform their XXXX # that this is no longer a matter for them to be collecting on. Plus I know that you can not leave account numbers on an answering machine of another party. You are only allowed to leave your name, company name and phone number when trying to reach the party in question. Information is being left with family members and friends after being told to cease and desist. Want them to get their records corrected and remove all of my information from their systems. I never gave them my friends or family phone numbers either so not sure how they are getting them. I believe they are using skip tracing tactics to get the phone numbers of potential relatives.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LD Holdings Group, LLC (AL)

On XXXX/XXXX/XXXX, I sent a payoff to Loan Depot in the amount of {$34000.00} for a loan balance of # {$33000.00}. Due to untimely payment processing I ordered a stop pay on XXXX/XXXX/XXXX. At that time my bank issued another check to loan depot in the amount of {$34000.00}. Again due to untimely payment processing I ordered a stop payment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called Loan Depot to payoff the loan via ACH over the phone. At that time Loan Depot was unable to accept my payment because the prior XXXX checks were not returned. Loan depot stated that they would honor my XXXX/XXXX/XXXX payoff as soon as their system allowed for an ACH payment. Loan Depot 's system updated on XXXX/XXXX/XXXX to allow for me to make an ACH payment. When I called to pay, I was told that my payoff is as of XXXX/XXXX/XXXX, not XXXX/XXXX/XXXX. I was told by the customer service representative that it was my fault their system would not allow them to accept my payoff on XXXX because of the stop pays, therefore, I was being charged an additional 20 days of interest.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay VISA Card as part of a Wyndham time-share program I purchased. The Barclay VISA card was used for the down payment. The terms of the Barclay agreement I received on XXXX/XXXX/15 stated that the balance transfer terms were 0 % APR for balance cfers made within 45 days of opening the account. When I received the credit card in the mail about 2 weeks later, the balance transfer terms were stated to be 0 % APR for xfers made 0 days after opening the account. This is an error I would like to get fixed.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

We applied for a home refinance loan with JP Morgan Chase Bank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX to refinance our loans with XXXX XXXX and XXXX XXXX XXXX, and signed the final loan papers on XX/XX/XXXX. The new loan with Chase included a pay off our first mortgage with XXXX XXXX and our XXXX mortgage with XXXX XXXX XXXX. Chase paid off our XXXX mortgage with XXXX XXXX on XX/XX/XXXX. However, our XXXX mortgage with XXXX XXXX XXXX has not been paid off as of XX/XX/XXXX. The final HUD-1 settlement statement for the refinance that we signed stated on line XXXX that Chase would payoff our mortgage of {$60000.00} with XXXX XXXX XXXX. A few weeks after signing the final HUD-1 settlement statement, we received another HUD-1 settlement statement in the mail that was changed on line XXXX. The payee was changed to " XXXX '' instead of XXXX XXXX XXXX but the amount of {$60000.00} was not changed. We do n't have a mortgage with " XXXX, '' and have never even heard of " XXXX. '' We have left messages with the Chase loan origination department and have contacted the loan processing managers, but our mortgage with XXXX XXXX XXXX has not been paid off and we now have XXXX mortgages with Chase and XXXX XXXX XXXX.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Hello I was involved in auto accident in 2007 a ( fender bender ) and that person named XXXX XXXX ran to the courts filed a {$500.00} lien against me right away. He argued his case in court against my insurance company and lost. I still show a public record on my credit for absolutely no reason
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

In a nutshell, this company is currently jeopardizing my ability to purchase a home by reporting a collection account for a medical bill that is not mine. I am fully insured ( I pay top dollar ) and have been for years. 

The medical bill in question occured on XXXX/XXXX/XXXX and at some hospital in texas that I have never been to. Also, I live in los angeles. When I called the debt collector ( Transworld Systems ), they claim there was no social security number attached to the claim they picked up but a birth date in XXXX ; I was born in XXXX. 

I do n't know whose debt this belongs to but the mere fact that a collection account has been reported under my name for a service unassociated with me while my spouse and I are in the midst of a home hunt should be iiegal and I wish to seek damages. 

They are currently in the process of deleting the collection but the inconveience and potential money this may cost me should be criminal. People are exploited every day by these companies while the government turns a blind eye. I 've had enough.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

1. Chase Bank bought out another Bank and was " Updating " their computer systems due to buy out in XX/XX/XXXX. When I made my mortgage payment XX/XX/XXXX, it did NOT go through do to this. Chase bank called me to report this to me. I then made XX/XX/XXXX & XX/XX/XXXX payment. I was told by Chase this would NOT affect me in anyway. 
2. Fight thing every Year. They continued to report it as a 30 day late in XX/XX/XXXX!!! 
3. XX/XX/XXXX to the end of the month, Chase Bank changed my credit report 3 times. 
A. 30 days XX/XX/XXXX ... .. Falsly being REPORTED B. Changed it XX/XX/XXXX to 30-60 day late. 
C. Then again on XX/XX/XXXX to " XX/XX/XXXX as 30 days late ''. 
They names that have Fraudulently changed my report is " XXXX, XXXX XXXX ( supervisor ), XXXX, then XXXX XXXX ( manager in Texas ) all with Chase Mortgage & Credit Department. Refuse to remove due to their mistakes. I feel my Rights have been violated and Fraud of my credit reporting Act per Chase Bank. I am demanding it to be Removed per all the mistakes of Chase Bank. Please help!!! My Chase account number was # XXXX. 


XXXX XXXX XXXX
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

Chase accused me of fraud and closed my accounts in 2013. They settled the amount they say I owe with the IRS, who taxed me and counted it as income since it was a debt forgiven. However, it is reported with XXXX and they show no proof of my " fraud. '' I 'm now paying the IRS taxes on money they claim was my fraud and have still yet to prove it. I did not commit fraud and I have filed reports with XXXX and the FBI over the account activity they are blaming me for but it was not me and they have no proof. Therefore, they can not and should not be allowed to label me as fraud to XXXX and block my banking abilities.
Consumer complaint received 2024-10-21
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION (AL)

I applied for a loan with SALLIEMAE on or about XX/XX/year>. Loan was APPROVED XX/XX/year>. Approval disclosure quoted terms I was not agreeable to at 10 % interest rate. I took NO FURTHER ACTION to take the loan. ALL SALLIE MAE info on WEBSITE AND CLEARLY STATED IN THEIR DISCLOSURE indicated I must ACCEPT this loan to move forward. 

XX/XX/year> SallieMae sent loan confirmation to the school. We notified both the school AND SallieMae that we were not taking the loan. XX/XX/year> SallieMae sent a disbursement to the school. We have spent hours of our time getting the money sent back. I spoke to SallieMae XX/XX/year> at about XXXXXXXX XXXX  XXXX and was told : " there is a 72 hour window to decline the loan '' and " upon signing the loan application you are clearly agreeing to accept the loan regardless of terms not having been disclosed '' and further told I was given " clear disclosure of this agreement prior to disclosure of terms AND of the need to cancel the loan within 72 hours if I do not want the loan '' 1- There is no law I can find which makes it legal for a lending institution to do this.

2- I know of no other lending situation in which I do not have to take definitive action to ACCEPT A LOAN but instead the lender is allowed an OPT OUT ONLY action to decline the loan.

3- The final loan disclosure CLEARLY states I must take action to ACCEPT THIS LOAN by XX/XX/year> 4- All additional information on-line adheres to this presentation that a loan acceptance step is required. 

I believe based on this limited amount of data one can CLEARLY and OBJECTIVELY state that these are deceptive practices which are far from standard lending practices.
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SUNCOAST CREDIT UNION (FL)

Around XX/XX/XXXX, I, XXXX XXXX, took possession of XXXX XXXX XXXX XXXX from the XXXX Dealer in XXXX XXXX XXXX. XXXX dealership peacefully and willingly allowed XXXX XXXX to take possession and use this property and there are no known claims to the contrary. 
I, XXXX XXXX, from the inception of this consumer credit transaction and the only natural person with any firsthand knowledge of the facts of this case can attest to the fact that Suncoast credit union indeed did violate a large number of consumer credit laws found under 15 USC Chapter 41, and will attest here and now to all of the following : Fact, I was never given a a proper form for rescission of the contract ; Fact, I was never told that I had a right to rescind the contract ; Fact, I was never given rescission forms required under 15 USC 1635 together with a statement containing the material disclosures required under that subchapter ; Fact, I gave them payment in full and it was rejected without cause or reason and not returned. 
Fact, that the car was repoed by them after the final payment was made and they then charged me XXXX US Dollars to get it back after the tow company informed me that they only charged XXXX for the tow. 
Fact, Suncoast Credit Union had language in the contract that had me waving rights which is a violation of 15 USC 1693I Fact, I did not waive any rights with full knowledge of doing so and with clear and conspicuous language that they used to tell me that I was waiving a right.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (IL)

I have been making automated payments for several years. I am being charged an APR of 29.99 %. On numerous occasions I have requested my APR to be lowered. On each and every occasion they have responded that nothing can be done because my account has been closed. This seems unfair as I now have a long string of timely payments and the APR should be reduced to reflect this fact.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I have once again been locked out of my citi bank credit card access. This is the second example of this happening to me in the last six months. I previously had to cancel my XXXX XXXX XXXX XXXX due to the poor design on citibank 's web portal. The first instance was on XXXX XXXX of 2015. I was kept on the phone for over an hour and was refused assistance which resulted in me cancelling the card. 

Today I phoned in again as instructed by the web portal to XXXX, I spoke to XXXX, agent ID XXXX. She deleted my login and asked me to re-register. I was then once again unable to re-register the card. She refused to have someone call me back at a later time and gave no other solution.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Date : XXXX/XXXX/XXXX To Whom It May Concern : Equifax XXXX XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my I am not able to access my credit file my public information is missing personal credit reports is nowhere to be found please update my correct address Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have been living there since XXXX/XXXX/XXXX If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

EQUIFAX XXXX XXXX/XXXX/XXXX XXXX AM NO XXXX XXXX INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX since XXXX/XXXX/XXXX Please update my phone number to my public record Home Telephone Number XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (NY)

Collection agency calling me and my wife everyday at inconvienient times while at work an at home. They say I owe {$1100.00} which is absolutely false and untrue. They said I would be reported to the credit bureaus that would ruin my credit if I didnt make a payment to them. I have never done business with this company in my life and this is the XXXX time I 've even heard of this 'company '
Consumer complaint received 2016-01-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NC)

I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. 
They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit.
Consumer complaint received 2015-09-14
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MI)

XXXX XXXX won a home from me in court, but he failed to refinance the joint mortgage before he stopped making payments. The mortgage company did not send me any statements or provide any notice, they reported me to all XXXX credit reporting agencies as failure to pay. XXXX settled the account satisfactorally by sort sale, but my credit report has n't been updated to reflect a positive outcome.
Consumer complaint received 2016-01-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

We sold our home. During the closing process, our title attorney requested, and received, a payoff letter from Suntrust Mortgage. On receiving this letter, he noted that there was a typo in the through date provided at the start of the letter, but not in the terms listed at the bottom. Given the nature of the transaction, he verified with Suntrust that the payoff amount was correct and the typo would not effect the closing of our home. Suntrust Mortgage assured him that the payoff amount stated in their letter was correct and nothing would hold up the closing of our home. Our attorney verified this on at least 3 occasions, and so we proceeded with the closing and paid Suntrust in full according to the payoff quote Suntrust had given us. 

The next day, our title attorney contacted us stating that Suntrust was demanding an additional XXXX dollars. As we had been assured on several occasions that the payoff was correct and our attorney seemed unclear on why, exactly, Suntrust was requesting additional money, we called Suntrust Mortgage to speak to a representative about this request. After several hours of back and forth and general confusion, we were told this XXXX discrepancy was due to the typo that we were assured would not be an issue. 

After another few hours of explaining this situation over and over to different reps, all who seemed unable or unwilling to forward us to their legal department to dispute this and, instead, continued to inform us that this money was owed because of a typo that we were fully and excruciatingly aware of at this point, we were informed that Suntrust was very sorry that they had made this mistake no less than 4 times over the period of a month but they are issuing a new payoff quote. 

They have yet to issue a new payoff or, in accordance with their own terms also set forth on the initial payoff quote, refunded the over {$100000.00} paid to them so that we can issue them another check. Until this matter is resolved, we can not close on our new home.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I had contacted Chase Bank to dispute a charge against a merchant, in this case a garage, XXXX in XXXX, NY, for services not provided to my vehicle. I had tried prior to this to work with the merchant who was not being agreeable. On XX/XX/XXXX, Chase XXXX a provisional credit of {$300.00} as they said they would conduct their investigation. 
On XX/XX/XXXX, I received a letter from chase stating that the {$300.00} " transaction was correct '' as originally billed by the merchant and " the funds [ relating to my dispute ] will be removed on XXXX/XXXX/XXXX. '' My concern with Chase 's investigation is I never had an issue with the transactions ; my issue was with services for repair not provided on my vehicle. On XX/XX/XXXX, I called Chase Bank 's customer service and spoke to a representative, who reviewed my case and said the reason I was not eligible for receiving funds was the original charges, I was disputing, were from XX/XX/XXXX and it had been past 120 days so I was not eligible for reimbursement. 
The reason this had taken so long is due to the back and forth in dealing with merchant who had not been forthcoming in coming to an agreement, my recourse was filing a dispute through Chase. The Chase representatives have not understood my dispute or taken into account my willingness to try to work out the dispute with the merchant and the weeks that went by to try and work out the situation with the merchant. 

I have used multiple payment methods, usage of my Chase debit card and my XXXX XXXX debit card to pay for the work on my car. XXXX XXXX ' final decision is still pending at the time of me writing this summary.