davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

During the subprime mortgage crisis, my mortgage was packaged and sold to JPMorgan Chase. When the federal government forced banks to offer borrowers the opportunity to refinance their variable-interest loans to fixed-rate loans, I submitted my application and supporting documents three times. Each time, Chase 's processing center denied receiving my package. 

When I sent the package using XXXX  with a signature and delivery confirmation, I was told that for security reasons, the processing center does not directly accept packages. When I told them that a representative of theirs had signed the application and documents, I was told that it was not an employee of the bank, but a contractor hired to collect mail from the address provided. 

The entire process was a sham. In the end, Chase never acknowledged receiving my application and supporting documents. 

Adding insult to injury, a member of my staff who also had a Chase Bank mortgage was sent a letter informing her and her husband that they qualified for a reduced fixed rate due to their on-time payment record over the past three years. I found this to be both suspicious and insulting because my wife and I had paid our mortgage on time for over six years, never missing a payment, and with an XXXX credit score.

Looking back on the entire experience, I now know that my wife and I were victims of predatory lending. We should never have been pursued to take a variable-rate mortgage when we both earned over {$180000.00} as a couple and I was eligible for a VA loan XXXX a XXXX XXXX and our home mortgage was under {$210000.00}, when at the time we qualified for a XXXX mortgage. 

The entire variable-rate mortgage debacle was aimed at XXXX XXXX  and other XXXX XXXX XXXX. The dramatic XXXX bias of subprime lending has been proven over and over again. However, I feel that the federal bodies governing these entities did very little to address the concern and are doing less not to prevent them from happening again.
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CO)

I have a home mortgage with Loan Depot. ( Account # XXXX ). During XXXX they offered " loan modification '' which allowed me not to pay my 3.3 % mortgage for the 2 years XXXX impacted my income. I entered into an agreement with them by which I pay my mortgage monthly and the 2 years of unpaid mortgage gets tacked on to the back end of my loan. I have not missed a payment but out of nowhere I got a call informing me that I am no longer in loan modification and they want me to pay all of the set aside mortgage payments money now with the threat of foreclosure if I do not pay. This is the second time they have tried to kick me out of loan modification and threatened me with foreclosure. The first time was because I didn't get a signature back to them by the deadline. I protested this because the papers they sent me didn't have a deadline plus I had asked a Loan Depot rep if there was a deadline for the papers to be returned and I was told " no. '' Based on this ( I guess ) I was allowed back into the loan modification program. ( Letter dated XX/XX/2022 ). I was sent a new XXXX page contract saying so and what to do to get into permanent loan modification ( pay the mortgage on time ). In that contract they state over and over that to enter into a contract with them all I have to do is make a mortgage payment by the due dates outlined. The first date was XX/XX/XXXX. I paid it XXXX weeks early and that payment shows up in my account. But, out of nowhere I received a phone call and then a letter informing me that I am not in the trial loan modification program. ( XX/XX/2022 ). Nothing has changed since they reaccepted me into the program again. In the letter they write that I failed a XXXX XXXX. I don't know what that means or if it refers to the aforementioned signature issue which I thought had been resolved.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Hi : I have leased two SUV from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment ''  again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IL)

Up to XX/XX/2023 I have been on time with my payments. I had an unexpected emergency expense and wasn't able to make my monthly payments. Now, Comenity Bank is calling nonstop harassing me. I had already contacted the XXXX XXXX XXXX and they are going to work with my creditors. I have told Comenity this over and over and they still call and harasse me. I even told them, " cease and desist all communications with me immediately '' and they continue to harasse me. I want it to stop.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I was able to log into my Citibank account # XXXX to check the balance. XX/XX/XXXX, I logged in to see if a deposit was made to my account and was unable to login. I gave the company a call and I was told that my account was blocked. The customer service rep was unable to give me an answer as to why my account was being blocked so I called back the next day which was Monday a business day XX/XX/XXXX. I was told by a company rep that my account was in the process of being closed without notice of any transactions being flagged or notification of any suspicious transactions on my account. 

I went to the XXXX XXXX branch on XX/XX/XXXX hoping to resolve the issue the banker was just as confused and gave customer service a call. The banker was told theres nothing he could do and I would have to wait for a letter to arrive in the mail. I received a letter in the mail on XX/XX/XXXX but the letter did not detail why my account was closed and why my money was being held. I returned to the XXXX XXXX branch. The branch manager tried to resolve the issue by asking customer service if he could return my money in the form of a check to me printed out at the bank that day, but was told not to by customer service. They told him I should wait for a second letter in the mail explaining why my account was closed it can take up to 90 days.

This account is primarily used for my tenants to send their rent money to might as well as Housing authority city of Los Angeles rent payments for a tenant. There are three transactions that are deposited into my account each month and the only outgoing transactions are to my mortgage at XXXX and to maintenance and utility bills. A total of XXXX transactions a month. 

Due to Citibank closing my account unknowingly I was unable to pay my mortgage with the money that was sent to me for that specific reason. 

It is unfair that my account was closed without knowledge, and with the bank holding my money without reason.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

PLEASE REMOVE FRAUDULENT HARD INQUIRIES FROM MY EXPERIAN CONSUMER REPORT I HAVE INCLUDED AN FTC REPORT UNDER OATH. THIS IS PROBLEMATIC. IVE BEEN DENIED FOR CREDIT COSTING ME XXXX XXXX XXXX NOW I KNOW WHY. THERES XXXX  CREDIT INQUIRIES ON MY REPORT THATS NOT CONNECTED TO ANY ACCOUNTS THIS IS A CLEAR VIOLATION AND I DIDNT GIVE WRITTEN PERMISSION ACCORDANCE TO 15 USC 1681a. ( 2 ).
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

I sent my sister {$280.00} after I purchased a tv last week. On the XXXX XXXX  her card number was listed as primary so when I bought it payment was taken from her credit card and not my bank card. To pay her back I sent a check through Chime 's mobile app. When they send a check, unlike every other bank I have dealt with they go ahead and deduct the amount of the check from your account. What they do with that money during the time it was sent until it is cashed, who knows. I've long suspected they are making money from investments from the funds they hold from the debit card refunds. Before the tv was even shipped to me I decided that I didn't really needed and I had the order cancelled. I called my sister that she would be receiving a refund from XXXX on her credit card and went onto the Chime mobile app to stop payment for the check. The representative said he canceled the check and I would have my money in XXXX business days. I don't understand if the check was never cashed then it shouldn't have gone anywhere and it should go back immediately. I'm not sure, but if every other bank does not deduct the funds until it is cashed then it's got to be illegal. They are stealing peoples money to make profits. Profits that should be given back to the people that earned it in the first place and was stolen from them.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MD)

I was referred to XXXX  XXXX XXXX XXXX XXXX for care by my other doctor. Please note this was a workers compensation claim which I am not required to pay any bills the insurance pay all bills. When I received a call from the collection agency Capital Accounts I informed them that the bill was incorrect an I only owe one late fee for a missed appointment. However, Capital Accounts would not allow me to pay anything but the whole amount and sent me information to the credit agencies. I don't owe a medical bill the doctor was paid she sent me to the collection for a missed appointment.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

The following credit card accounts currently listed and showing on my XXXX and Equifax credit report is showing the accounts are open and the accounts supposed to currently be closed credit card accounts : XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX XXXX, {$250.00}, XXXX XXXX XXXX, XXXX XXXX {$110.00} and XXXX XXXX XXXX, {$390.00} XXXX The credit card accounts are suppose to be closed accounts with a balance of {$0.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2023, I submitted a request to Chase Auto to investigate the accuracy of information being reported to XXXX, XXXX and XXXX XXXX Credit Reporting agencies. Chase replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. Chase has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

On XX/XX/22 I applied for a {$25000.00} Homeowner 's Assistance Fund grant through the State of Michigan. I was approved for the grant on XX/XX/22. My mortgage lender, Select Portfolio Servicing ( " SPS '' ), received the {$25000.00} grant from the State of Michigan HAF on XX/XX/22. SPS did not tell me they received the funds from the State of Michigan, nor did they apply the funds to my then-existing outstanding balance of {$77000.00}. Instead, without my knowledge, on XX/XX/22 SPS sent the funds back to the State of Michigan and said did not accept it because it wouldn't have brought my balance current. I was forced to sign a loan modification agreement of {$77000.00} instead of the {$52000.00} which would have been owed after SPS applied the {$25000.00}. 

This is not fair and I would like for SPS to accept the {$25000.00}.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2023, my bank allowed a fraudulent wire transaction to take place without my approval or authorization in the sum of, {$190000.00}. It was determined in XX/XX/2023, after an internal investigation, that the money wold be recalled ( returned ) to our bank account. We found this out after filing a previous complaint with you all, the Consumer Financial Protection Bureau. 
To date, the money has not been returned and, we have been trying to speak with an executive at Chase Bank to ask that, in good faith, at least half of the monies be returned to our bank account as we have employees on payroll and rents to pay. This situation has put our organization in a very delicate financial hardship.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2023, I ordered a blue bandanna printed handbag from an online merchant XXXX XXXX  ) using my American Express Serve Card ( XXXX ) I received an email from the company stating that the item was out of stock. I then asked the company for a refund. The company claims to have sent a refund for the purchase back to the cardholder company ( American Express ), which I have not received. The cardholder company has told me that they have no record of the transaction, so I am providing documentation to show that there was a transaction from my American Express Card to the merchant and I need a refund processed. Its already been 17 days since my purchase, to no avail.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have a Nordstrom credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with XXXX, XXXX added an additional 3 years added to the negative action, and did not remove the action. I have called Nordstrom several times now, they've indicated that XXXX was told to remove the action, it was included in the XXXX  XXXX, and XXXX disputed that Nordstrom told them this information and questioned the veracity of the statement. I am caught in the middle between Nordstrom informing me that they're telling XXXX to drop the negative action on my report, and XXXX saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my BK attorney to see what, if anything I'm able to have them do to get this negative item off my report.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquires that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquires removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, I made a purchase at XXXX on my Citi Double Cash card. A few days prior to making this purchase, I enrolled via Citi 's portal in an offer for cashback at that retailer as part of " Citi Merchant Offers ''. The offer was for " 8 % back when you shop with your linked card at XXXX XXXX  ] and spend a minimum of {$250.00} '' and the offer expired XX/XX/XXXX. The amount I spent was approximately {$470.00} and appeared on my statement as " XXXX XXXX XXXX 

I waited about XXXX weeks and after seeing no statement credit for the promised 8 %, I called Citi on XX/XX/XXXX. After explaining my situation to the representative, they informed me I would need to make a " rewards dispute ''. I clarified I did not want to dispute a transaction, nor the rewards points earned, but that my issue was with a " Citi Merchant Offer ''. They insisted this was the path to take, so I did so. They said I would hear from them in about XXXX days. 

After waiting an additional XXXX weeks and receiving no communication, on XX/XX/XXXX I called Citi again and explained the same issue. The representative informed me there was no record of a prior " rewards dispute '' but that I needed to submit XXXX again. I insisted there was XXXX, but they said they couldn't find it. I submitted a new rewards dispute and asked for a confirmation number, but they said there was none. Frustrated, I insisted I receive some sort of confirmation before hanging up given that I had already done this once. At that point they said they had located my prior dispute but that it had not been acted on. I told them I expected a response in 14 days. 

Shortly thereafter I received a letter from what I assume was my initial call, indicating that the correct rewards points were issued for my purchase. This of course was not my issue despite my clear explanation in that vein. Now, a month later, I have received no follow up from my second call.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.