davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I transferred {$25000.00} from my my XXXX checking account to my Principal mortgage balance with Chase. 
My transaction history accurately records receipt of the $ XXXX. 
The payment was never properly applied. I have called a few times and sent a few emails asking for proper application. 
On XX/XX/2023, Chase applied $ XXXX to my Principal. 
The Bank has promised to investigate the misapplication of the $ XXXX balance. 
Note my monthly mortgage payments are automatically applied from my Chase checking account. This auto payment has occurred for several years, effectively. 
Please investigate this error.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (MN)

On XX/XX/XXXX. Checking account was over drafted because an increased mortgage amount was withdrawn without notice or authorization. This triggered me to look into my mortgage account in which I found a misapplication of funds that should have been applied to principle only [ as monthly payment were always overpaid, the company applied them forward and not toward principal leaving a discrepancy between actual payment and payment due.This was explained to me as I was so far paid " ahead '' that the system inadvertently increased my payment thinking it was a XX/XX/XXXX payment due. Over time, I've also discovered a mismanagement of my escrow account. Efforts to have the account corrected and principle adjusted have not been successful. Company states they are working on a " Restructuring '' to correct account, but have not been able to confirm this restructuring or receive a corrected amortization. It is now XX/XX/XXXX and no resolution to my account/escrow discrepancies have been made.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (PA)

I am reaching out to address a matter that weighs heavily on my mind and requires urgent attention. After dedicating XXXX  years of my life XXXX XXXXXXXX XXXX XXXX XXXXn, I am deeply disheartened by the fact that my student loans have not been forgiven when the laws is clear and says 10 years of service. It is distressing to see that organizations like Mohela are taking advantage of individuals like myself who are underserved. 

I am left with no choice but to request the forgiveness of my student loans. As the wife of an XXXX veteran, I am considering taking legal action against Mohela for their failure to approve my application. During my extensive tenure at the non-profit, I have wholeheartedly committed myself to our cause, tirelessly working to positively impact the community we serve. I have personally witnessed the transformative effects our organization has had on countless individuals, and it has been an honor to be a part of this meaningful work. 

Despite my unwavering dedication and service to our mission, the burden of student loan debt continues to cast a shadow over me. The financial strain of repaying these loans poses a significant challenge, and I had hoped that my commitment to public service would make me eligible for loan forgiveness. It is my belief that individuals like myself, who have devoted their careers to serving others through non-profit work, should not be burdened with overwhelming student loan debt. Loan forgiveness for public servants is a vital incentive that plays a crucial role in attracting and retaining talented individuals within the non-profit sector. 

I humbly request your support in advocating for the forgiveness of my student loans. Such an action would not only alleviate a substantial financial burden on me but also enable me to continue my work with renewed dedication and focus. Your assistance in this matter would be deeply appreciated and would have a significant impact on both my personal and professional life. 

Thanks
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir or Madam : My name is XXXX XXXX XXXX and I have been a personal and business customer of Chase Bank for over 10 years now. I was also a former customer of XXXX and Washington Mutual before they were taken over by Chase. 

I am writing to make you aware of a very unfortunate and irresponsible decision made by Chase regarding an unauthorized claim that I submitted in XXXX. EZPass erroneously charged me for transactions that occurred while I was traveling in XXXX 2016. I submitted written payment for these transactions to this company, but it was not for {$100.00}. I immediately contacted EZPass and Chase because I was overcharged for amounts that I did not authorize. As a result of this, Chase allowed me to submit a claim through their escalation department. I received a " final '' decision yesterday through email correspondence. After reading the incorrect decision, I contacted the Chase escalation department and spoke with XXXX, in XXXX, OH at XXXX. He advised me that EZPass had submitted a " receipt '' as verification of the charges. However, I stated to him that I had signed a form and provided my debit card information for lesser charges. I asked him to contact EZPass again to receive proof of what I had authorized and he stated that the case was closed and there was nothing he could do. 

As a customer I am truly alarmed and shocked at how Chase had not acted on my behalf to protect my money. I have all of my financial dealings with Chase and it stunned me that no one had listened to my request for authorization documents from EZPass stating I had given them permission to take out {$100.00}. Chase should have asked them for proof of the amounts I had authorized EZPass to receive. Any company can submit a " receipt '' without a customer 's signature. Chase chose to protect the merchant, who is not their customer. 

When I originally submitted the claim to Chase, I was refunded the money. However, the correspondence yesterday stated that Chase was going to take the money out of my checking account because they received " proof '' from EZPass. However, this " proof '' was not what I submitted or signed for these transactions. The escalation department should have requested proof of these documents, before they made a final decision. 

Therefore, I am asking for a further investigation into these unauthorized transactions. As a longstanding, frequent customer, Chase is supposed to protect me from companies being able to take as much money as they want, without my authorization. I am also asking that no money be taken out of my account ( as planned for XXXX XXXX, 2016 ) until this investigation is complete with proof of my authorization from EZPass. I would also like to review copies of the forms I signed for EZPass to take the lesser amounts out of my checking account. 

If you need further information regarding this situation, please feel free to contact me at XXXX. Thank you for your time and attention in this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (NJ)

Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the XXXXhree major credit reporting agencies, Equifax, XXXX, and XXXX. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of Equifax, XXXX, and XXXX have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 

Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), Equifax, XXXX, and XXXX, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by Equifax, XXXX, and XXXX do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, Equifax, XXXX, and XXXX, have inaccurately treated payments on my credit card accounts as late, which is prohibited under XXXX5 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I bought a toaster oven online from a website in XXXX for {$120.00}. I never received the product. I filed a dispute with capitol one for the charge and the XXXX dollar fee on or about XX/XX/2022 my dispute was denied i was told it was because the merchant said it was for a service. I received a letter from capital one on XX/XX/2022 that says the merchant stated the item was received and in good condition.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (NC)

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. 
All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXXXXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 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 2018-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services (NJ)

Back in XX/XX/XXXX, I requested a loan for {$200.00}. I made a payment plan that allowed me to pay one payment of XXXX and XXXX for the rest of the payment every two weeks. I should be done by now, but I just noticed that I am still paying as of XX/XX/XXXX on a weekly basis. On top of that they lied in an additional document that I received {$500.00} from them when I only received {$200.00}. I didn't realize sooner because I thought I was paying my student loans that I owe. Is there any way that I can get my money back?
Consumer complaint received 2022-12-03
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. (NC)

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. 
All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXXXXXX XXXX XXXXXXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 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 2018-06-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Lending Club Corp (NJ)

Filed a bankruptcy in 2016. Got an email to apply for a loan thru Lending Club, applied and got rejected due to my bankruptcy. Starting getting emails and phone call from Lending Club regarding late/no payments. Looked on my credit report to see that someone approved the loan for {$9600.00} and wired the money into and an account. I never got this money, and apparently someone did and had it deposited into a XXXX  XXXX XXXX account. I do not possess a XXXX XXXX XXXXXXXX account. Went to my local Police dept in XXXX XXXX XXXX, New Jersey and filed a report. Contacted my XXXX  credit to dispute, and they are rejecting my claim. The police report case # XXXX, the officer 's name was XXXX XXXX The phone number is XXXX. The experian case # XXXX. I had to filed bankruptcy and don't understand why someone would approve a loan for that huge amount of money.
Consumer complaint received 2024-03-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC (NC)

My name is XXXX XXXX, I am issuing a complaint against Cross Country Mortgage. On XXXX XXXX, I received an approval letter for a Loan amount of {$140000.00} with a purchase amount of up to {$150000.00}, with a Down Payment of 3.5 %. I told XXXX XXXX, the loan officer I was working with that I did not have the funds to pay the down payment up front. He told me that since I am a first-time home buyer I am eligible for the {$15000.00} NC down payment assistance. I was told the only two things I needed to do were to pay down my credit card from {$1900.00} to {$1300.00} to raise my credit score to XXXX, and to pay {$35.00} to take the online course to become eligible for down payment assistance ( which would be refunded at closing ). I not only paid my credit card down, but I also ended up paying {$99.00}, instead of the {$35.00} I was told, for the course to become eligible for the {$15000.00} down payment assistance. Once both were completed and XXXX XXXX told me that I was approved for the down payment assistance, I paid the due diligence of {$200.00} on XXXX to the sellers. I then proceeded to pay for all of the following : Termite and Pest Inspection- {$65.00} on XXXX, Appraisal ( the amount I was told was {$550.00}, originally ) - {$600.00} on XXXX, House Inspection ( paid for original inspection and re-inspection ) - {$370.00} on XX/XX/XXXX and reinspection- {$200.00} on XX/XX/XXXX, Water Test ( paid 3 times ) - {$290.00} on XXXX, and XX/XX/XXXX, and Plumbing inspection- {$470.00} on XX/XX/XXXX. The total for everything we paid is {$2900.00}. 
All of the re-inspections were due to the sellers having issues turning on the water for the inspections, so that is not at fault of the loaners. The fault came in, on XX/XX/XXXX, the day before our scheduled closing date, XXXX XXXX called me to inform me that due to his mistake of not double-checking to make sure the house was eligible for the down payment assistance, I no longer had any funds to go towards the down payment. He told me that essentially, he did not make sure that NC would provide down payment assistance for existing modular homes. I would have to come up with {$7500.00} in less than 24 hrs. I reminded him that I told him before we started that I did not have that much money. He told me he would continue to work to get me down payment assistance and that he could look into a couple of options that could work to provide the down payment assistance. On XX/XX/XXXX, the date of our closing, XXXX XXXX called to inform me that there is nothing else he could do and that I would have to look for another house. So after spending {$2900.00}, because my lender ensured me that I was guaranteed the down payment assistance, loan for the house, and closing costs, my husband and I have spent all of our savings and our paycheck, just to be told the day of our closing date that we need to look for another house.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I wrote a check, check number XXXX to be exact, from my PNC Bank Account on XX/XX/XXXX for {$15000.00} to the XXXX XXXX XXXX XXXX to pay taxes owed to the IRS. The check cleared PNC Bank on XX/XX/XXXX, but the IRS says that they can not find the money in their accounts. They first asked for a copy of the check written, both front and back, and then they also asked for my XX/XX/XXXX Bank Statement, which clearly shows the check clearing my account on XX/XX/XXXX. I have sent them copies of the check and my statement on two different occasions. I have also spoken on the phone to IRS agents on 2 separate occasions, and they said that they can not trace the check from the series of numbers that are on the back of the check. The last agent I talked with told me to have my local bank give me proof of where the funds went to by doing a tracing, and that once I have the tracing, to call back to the IRS and fax them the proof. I have asked my local PNC branch XXXX, XXXX, two different times, at the beginning and also the middle of XXXX, to do a tracing on my check, # XXXX, to the IRS, as per their request. He called down to ask them to do the tracing and they said they would mail it out to me, but I have never received anything. When I called and talked to the XXXX on XX/XX/XXXX, he said he would look into it and get back to me the same day, but never did, and one week later, he still has not called back. He seemed reluctant to do anything more to get the tracing done for me and was not even sure if PNC could even do a tracing on the check. All I am asking is to get proof of where the {$15000.00} from the check I wrote exactly went to, in order to prove that the IRS received the funds. Please help me because I only have 10 more days to respond to the IRS letter, and in the mean time penalties and interest are accumulating on the original {$15000.00}. Thank you for your help, XXXX XXXX
Consumer complaint received 2018-06-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

On XXXX XXXX my mortgage servicing company changed from XXXX XXXX to Selene Finance. My XXXX mortgage payment was drafted by XXXX XXXX on XXXX XXXX and is reflected on my Selene Finance Account as received on XXXX XXXX. On XXXX XXXX, Selene Finance withdrew {$2100.00} from my bank account without my authorization. My wife and I had not even signed up for automatic payments on the Selene Finance website. Also, during the transfer of mortgage servicing providers, Selene Finance did not receive documentation regarding my VA loan and sent a letter to me stating that I must have insurance for the full amount of the loan. They either did not receive the VA documents detailing what I am responsible for insuring or they disregarded them. Finally, the Selene Finance website states that my next mortgage payment is due on XXXX XXXX, which is incorrect as my mortgage has always been due on the XXXX of each month. By law, Selene Finance can not change anything with my mortgage agreement.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hey, XXXX XXXX I performed and sent a receiveable dating XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) which was received XX/XX/XXXX ( Article # XXXX XXXX XXXX XXXX XXXX XXXX ). Which didnt include the assignment form, Opinion of Counsel, and Form of Investment Letter which is attached. Im the beneficiary surety of certificate XXXX XXXXXXXX. Although you might hold title, I have equitable interest which is superior to any claim you may have dating back to XX/XX/XXXX. Its your respective duty to act in the interest of the bondholder according to the Act of 1939. Im politely asking you to carry out your fiduciary duties under the indenture on file in good faith. 

According to Registration pursuant to section 424 ( b ) ( 5 ) of the Act of 1933 I understand that Im an investor. XXXX XXXX XXXX XXXX XXXX have agreements with its subsidiaries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX explains how a pool of motor vehicle retail installment sale contracts are obligations of the Trust only. The sources of funds of the Trust are collections during the Collection Period and charge offs. 

Charge-offs are a source of funding to XXXX, XXXX XXXX and its subsidiaries, but have been a burden to me the Grantor. I provide a certificate, receivable, note, or contract which you deposited and received no valuable consideration.

This is an event of default. This is the beginning of opportunities to be made whole.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Dear XXXX, XXXX, and Equifax There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

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 XX/XX/XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.