davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (FL)

On  XXXX  -17 a t  XXXX , Florida  Branch of Chase JP Morgan bank, I need ed to wire transfer almost {$160000.00} from my checking account that I have had with  Chase JP Morgan ba nk to the  XXXX   XXXX   XXXX   ,   XXXX  located in  XXXX , Florida.   The transfer was performed quickly without any disturbance, however the problems appeared after I requested written confirmation for that transaction. The employee who performed the transfer (  XXXX   XXXX   XXXX   ) br ought the filled up form of Wire Transfer Outgoing Request but refused signing that confirmation. I was very surprised and asked why couldnt he signed that form. He told me that the rules dont let him. That made me even more surprised. After some painful conversation he went to the branc h manager asking for signature. She, ( the branch manager, a  lady who didnt even introduced herself, so I dont know her name ) signed that form.   However, when I asked her to sign the Service Confirmation form she refused telling me that the bank branch keeps all documents. Thats alright but I need that document in my records as well, I said. Still, she wouldnt sign that document. I was not able to understand what was the problem with signing that document by the manager or the employee who performed the money transfer. I strongly requested signing she kept refusing. She raised voice at me in public in the main area of the branch office. Many people witnessed that very ugly quarrel. Finally I was forced to give up and I left the branch without the signed document. I hope I dont need to explain how upset, insulted and humiliated I felt. And I still dont understand what was the reason for that lady to be so stubborn refusing signing the document given to customer. The document important to me  ( almost {$170000.00} ), which in nor mal business environment mustve been signed by a responsible party. If I had a little bit more time I would probably call police because her behavior looked very suspicious.   I have been your client for probably longer than 15 years. Was my request really something illegal or unusual? I have to say also that Ive never been treated in any business place like that written above.   The situation, which Ive described above brings impression that the Chase bank doesnt care much about its customers, because some of Banks employee miss the basic skills, neither training to deal with customers, act very unprofessionally ; having no idea how they need to treat the Banks customers.     The worst is that I still do not have idea why I had been exposed to all of that stress. Why the person, who made important work for the customer was so stubborn and rude and kept refusing to the end, signing that job was done properly. I can not believe that.
Consumer complaint received 2018-03-18
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 (MI)

case XXXX acct ending in XXXX The bank has become increasingly unwilling to answer any questions I have they have a case and they have a case number they know my credit card account and they know my name but they send me a letter asking me to confirm all of that information acting as though they don't have it but clearly you have to have it because my name and address is already listed on the letter the account number is listed and the case number with all the information is listed I don't understand why the bank is being so difficult but they have all the information I want them to resolve the case it's that simple
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

We spent weeks in communication with XXXX XXXX, XXXX XXXX and others at JP Morgan Chase Bank in XXXX and XXXX supplying them with all the credit and loan documents for a potential re-finance loan of our property in XXXX XXXX, Texas. All the numbers were positive, including a top-tier credit rating, all the documentation was submitted and an appraisal of the property was done showing a significant value in equity of the property. All questions were asked and all answers submitted. We received a final call from XXXX XXXX saying that we were approved for the loan but there was XXXX criteria he neglected to mention earlier. We needed to deposit a million dollars plus, in assets to the JP Morgan bank before closing in order to qualify for this loan. We responded by saying we have submitted all the bank info we had and there was no secret accounts with XXXX dollars hiding to deposit into your bank. They also would have known this by seeing it in the research of the loan process. I asked why did he just now tell us after many weeks of us providing all of our documents and taking hits on our credit reports. He said he forgot. The fact is we believe it is a simple case of Bait and Switch. Simple fraud. I had asked XXXX straight out, if we could deposit XXXX dollars into their bank would we be eligible for the loan. He said " Yes ''. We received a credit report and letter recently that stated we were not eligible of the loan because of our credit to debt ratio. This is certainly a cover up act to make it look like we were not elegible. The fact is, and the documents and correspondence reflect this, is that we had plenty of credit and equity to be qualified. And if we were n't, this would have never gone this far in the process. While I do n't feel there will be any resolve in this matter, I do wish to make clear to consumers that there is still corruption and fraud going on in our financial institutions and please make it priority XXXX to make sure you have asked all the questions and above all make sure you deal with reputable people who have solid integrity. The players in this scam were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I believe their supervisor to be XXXX XXXX. 
XXXX XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX JPMorgan Chase Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Advisor XXXX J.P. Morgan XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX T : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc. (IL)

Commonwealth Financial of XXXX Georgia purchased this debt from the original creditor, XXXX, and entered duplicate information on my credit report for a debt that already existed on my credit report as a mark against me as though it is a new report on my existing account. The original debt Is 4 years old! Not to mention the emergency room XXXX ordered a XXXX exam when I entered the ER for XXXX! I told the ER XXXX there was nothing wrong with my XXXX and he ordered it any way! They keep renewing the information as if it is brand new thrwarting any opportunity for the debt to fall off after the amount of years of liability expires. This is unfair credit reporting!
Consumer complaint received 2016-11-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

I received a letter notice in the mail that both my checking and savings accounts were going to be closed within 10 days the only reason given : " in accordance with your deposit terms and conditions, please be advised that we have elected to close your deposit accounts with us. '' I have been a customer for over 10 years and always had accounts in good standing, never over-drafted or used money transfers or any other negative or risky activity. Several other family members and business associates have received the same notice the same day. How can they just close accounts, causing significant business and personal disruption, without reason? US bank Branch Managers were not able to provide further information, as they also could not find information. Upon calling the " Account Review Department '' I learned they had reviewed my accounts and by committee decision decided to no longer support my banking. But they would not tell me the reason, or what spending flagged a concern or if there was a financial relationship that was a problem. The reason they provided was that just as I had the right to leave the bank they also have the right to kick me out. I am very concerned that there is discrimination, or financial risk I should know about or that I am exposed to someone or some regular spending activity that is dangerous or illegal. Or they are simply abusing the consumer by not supporting the banking I do, which seems to be fairly normal household banking. All local and all accountable.
Consumer complaint received 2015-04-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (WA)

Last year, I finished my unfinished basement. It cost approximately {$40000.00} for heated floors, wall to wall cabinets with granite counter tops, and drywall. In XX/XX/XXXX my basement flooded, causing about {$30000.00} worth of damage. My insurance comany, XXXX, wrote an insurance check for approximately {$23000.00}. XXXX wrote the check out to myself, my spouse, and Wells Fargo Bank. I tried to deposit the check on XX/XX/XXXX, at my local branch in XXXX. Wells Fargo told me that they could not release the funds for several days, and then they could only release XXXX of the funds. It has been almost 3 weeks, and they have not released any funds. I have already paid my contractor several thousand dollars to lay new heated floors and tile. That money is MY money, it does not belong to Wells Fargo. I pay the insurance premiums, and I paid for the initial remodel. Wells Fargo, even though they are the lien holder, does not have a right to hold that money. I need the money from my insurance company to pay my contractor, and they will not release the funds. I have a basement full of furniture in storage, and every day is costing me money. Wells Fargo should immediately release my funds, and should also pay for the delay in my project, including storage fees.
Consumer complaint received 2016-10-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (CA)

COMMONWEALTH FINANCIAL XXXX I am sending this letter to you in response to your reporting of an account to my credit report. To my knowledge, I have never been notified that I owe you a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of XXXX delinquency and last payment date to original creditor, if any.I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT, XXXX, to name only XXXX ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
Consumer complaint received 2015-05-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

I made an electronic transfer of XXXX from my checking account to my credit card account, both at wells fargo. Wells fargo now says it will take 3 days for that to be credited to my caRD. dURING THAT TIME THEY HAVE MY MONEY AND CAN EARN INTEREZST ON IT.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (TX)

I did use payment system from my banks to pay for my credit at XXXX, then my banks show they delivery check to the XXXX on XXXX/XXXX/XXXX 2 days before my due then on my new statement the company charge me XXXX dollars for late fee this not the first time they did that and they keep do that since XXXX and every month they did that, I call them and they wait for this month but nexth month they go up the charge almost double money.
Consumer complaint received 2017-05-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AZ)

Was I suppose to receive the response from the company dated  XX/XX/XXXX ? I never received that response in the mail or by email or by Ditech website. I only just viewed it on this site today Complaint Numbered #  XXXX . My Internet access is spotty so I ca n't often retrieve information/emails/etc. Further, when I 've gone on th e Ditech website this response was not post there either. Thus, Ditech has initiated fore closure process with a firm called  XXXX   XXXX   XXXX . Attached is my response to a letter  XXXX   XXXX   XXXX  sent me on  XX/XX/XXXX . Could CFPB please inform Ditech,   XXXX   XXXX   XXXX   XXXX    XXXX  and/or any of their representatives that they must actually respond to the complainer and not only CFPB. Had I seen this response several months ago, I would have initiated action on my part.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Denefits LLC (FL)

in response to report # XXXX. for XX/XX/XXXX I requested corrections be made to my credit report that were inaccurate then received letter stating that they don't believe that was sent in wasn't me. on XX/XX/XXXX I called XXXX about this letter they stated that I have to send in my dispute again because they don't believe it was me when I sent in my license a letter from the IRS bank statement birth certificate proving who I am and the only address that I should be associated with. I am aware that this stall letter is nothing more than a way to finagle more time
Consumer complaint received 2020-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (NC)

Received medical bill for {$50.00} by Professional Recovery Consultants for a debt that does not belong to me. ( XXXX XXXX XXXX ) let this be notice that this is an attempt to dispute this debt attempting to be collected as not belonging to me nor valid.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC (TX)

XXXX   XXXX   XXXX  has listed a past due account for the     XXXX   XXXX    XXXX   XXXX . Per my insurance documentation and the agreed upon of their agreement with th e    XXXX   XXXX    XXXX   XXXX , this bill was paid and my responsibility is {$0.00}.     I emailed th e    XXXX   XXXX    XXXX   XXXX   (   XXXX  XXXX  XXXX  ) on  XXXX   XXXX ,  2017 a nd have not received a response. I also mailed a letter to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017 and h ave not received a response.     Please assist me in having this removed from my credit profile.     Thank you,  XXXX   XXXX .
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Rented a car from   XXXX   XXXX   XXXX   using my MasterCard to initiated my car rental using my Capital  One   MasterCard endi ng in  XXXX . I had a accident in the rental car, I decline insurance from the car rental company initially, because I believed based on what my credit card company informed me that I was covered. The claim was made to  master Card a round early part of  XXXX   2017, after I h ad gotten into a car acciden t,   XXXX   XXXX   resp onded by issuing me a claim number #  XXXX ,  XXXX  Also ask for the following documents : Car rental agreement, credit card statement and miscellaneous documents ;  Cardholder respon ded with items he had received from Capital One,  XXXX   XXXX   XXXX .   XXXX  res ponded via email with what appeared to be benefits agreement, I 've never known this agreement existed. I looked over my document after sending the first set of Documents in and discovered the billing on  XXXX   XXXX   XXXX  was not final, it state pending Charges I contact   XXXX   on  XXXX   XXXX ,  2017 for c orrect updated billing which reflects payment for the car rental ; from my  MasterCard  ending in  XXXX .  XXXX  send me a decline of my claim on  XXXX   XXXX ,    2017 st ating I did not follow the agreements set by there insurance carrier ; please contact  XXXX  regarding there dodging there clear responsibility to co ver. ( Cardholder Sincerely   XXXX   XXXX   )
Consumer complaint received 2017-04-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Since  XXXX  of   XXXX   every single mortgage payment that I have made to O cwen Loan Servicing has be en either lost or reversed. I always keep the confirmation email stating that the payment was made along with a corresponding email stating that the payment was received by Ocwen. However, on the following month when I attempt to make my mortgage payment my payment records indicate that the payment from the previous month was either not credited to my account or reversed. This is seriously affecting my  credit score  and preventing me from transferring my mortgage to a more creditable mortgage company. I am currently attempting to recover from Chapter  XXXX  proceedings and this ridiculous matter is causing me serious financial difficulties.     It 's seems rather fishy to me that the only way that a customer can pay their mortgage without a fee is through their bank, but this appears to be the  one  way that is not working as it should. I 'm not understanding why a mortgage company would receive a payment from a customer, turn around and send it back to the customer and then not send any correspondence whatsoever indicating that there was a problem with the transaction. More interesting than that, how does a mortgage company mysteriously loose a customers payment all together.?
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SN SERVICING CORPORATION (CA)

I WAS GOING THROUGH A LOAN MODIFICATION PROCESS WITH A LAW FIRM, WE HAD A HEARING ON XX/XX/XXXX, HOWEVER, THE BANK SOLD MY HOME AT AN AUCTION ON XX/XX/XXXX. 

THE BANK SAYS THEY TOLD THE LAW FIRM AND THE FIRM SAYS THAT SALE WAS POSTPONED, AT THE END I WAS NOT AWARE OF THE SALE UNTIL ANOTHER ATTORNEY TOLD ME ABOUT IT. 
I'VE BEEN AT MY HOME FOR 25 YEARS, STRUGGLING TO MAKE MY PAYMENTS, I WAS TRYING TO GET HELP AND I ENDED UP LOOSING MY HOME. 

NOW I AM WAITING FOR THE EVICTION NOTICE, MY SON, MY XXXX GRANDKIDS AND I DON'T HAVE A PLACE TO GO. I LOST MY HOME, MY EQUITY WHICH WAS ABOUT {$170000.00} DOLLARS AND MY CREDIT. 

I NEED YOU TO HELP ME, GUIDE ME WHAT TO DO.
Consumer complaint received 2015-10-14
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MO)

I have had rushcard since 2010 and I get my direct deposit everyother Tuesday by XXXX rushcard has n't posted my direct deposit and also are not showing the money I had on my card previous to my direct deposit. I have been trying to log on to the website for me than 24 hours with no avail and also have been trying to speak with a representative for for than 24 hours to be placed on hold for more than 2 hours each time when I get through to someone. I have bills to pay and children to feed and am getting no reason on why my money is n't available to me I was never informed of a system update or system change that they supposedly are doing this is unacceptable and I need to be compensated for late payments on the bills that I have to have paid. Very angry and frustrated.
Consumer complaint received 2016-09-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

I recently filed a complaint against Tidewater Motor Credit /Tidewater Finance Company and in their response they stated that they would be updating our credit reports to reflect charged off beginning XX/XX/2014 and reporting as charged off going forward. However, they are still reporting as repossession and changing the balance every month and I 'm having to go to each credit bureau to have this fixed every time.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (OH)

I 've been having payroll deposit my bi-monthly check deposited into my prepaid rush card for 6 years. Begining XXXX/XXXX/15 I have not been able to access my funds. After calling all this past weekend and being hung up on most of the time, I finally got through to a live person and was told thhere is no pending deposit on my account. Yesterday I spoke with payroll at my employers HR department and they confirmed it had been sent like always. I have a small amount deducted from each pay go into a savings account at a local credit union and those funds were available. I am constantly told by rush card that they do not see a deposit and to keep checking. This is the XXXX day I have not been able to access my funds and have had to borrow money to pay light bill and have a car payment due accumulating late fees.