davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MN)

To Whom it may Concern: I have submitted numerous complaints to this agency regarding the awful practices of Chase Home Financial - a company that is refusing to accurately report my 2011 Short Sale as a Short sale and instead continue to report to the credit bureaus that my loan was paid after Foreclosure Started.  My account was "referred" to Chase's foreclosure department within the same month that the sale closed as a Short Sale.  Months before - Chase had already agreed to the Short Sale and the sale was in process per Chase's agreement.  Per the FTC's website - a short sale and a foreclosure are not to be treated the same.  My loan closed as a short sale, the bank never had or took possess of my home and there was never a XXXX.  So why is Chase allowed to continue to report my Short Sale to all XXXX credit bureaus in a manner that causes them to threat the short sale as a foreclosure for reporting purposes, keeping it on my credit for 7 years and thereby damaging my entire credit rating and holding me hostage from a financial perspective?  I have been reporting this to the CFPB for a year and you've done nothing to to enforce your own mandates regarding Short sales that are stated on the FTC website.  I've also spoken to an attorney about taking action against Chase.  My attorney advised me that a case would be a losing proposition given that the CFPB has not demanded or published any regulations requiring the banks and the credit bureaus to properly treat short sales as short sales versus a foreclosure.  So why then do you have the information on the FTC website at all if consumers can not rely on it and the banks and credit bureaus are not Required to adhere to it?  I negotiated a short sale with Chase and the transaction closed in a short sale - I've submitted volumes of documents to your agency evidencing that and Chase does not disagree that the sale closed as a short sale.  However, despite the fact that Chase agreed to a short sale they still referred my property to foreclosure the same month that the sale was closing and now have been allowed to damage my credit by erroneously reporting a short sale as a foreclosure and the credit bureaus are treating it as such.  Until the CFPB requires the credit bureaus and the banks to follow the standard articulated by the FTC and distinguish between the XXXX, consumers like myself will continue to be held hostage by the banks and unfairly punished for something that did not happen.  The CFPB needs to address its lack of enforcement in this area or stop taking mortgage complaints regarding short sale reporting - this is worse than the banks to have clearly articulated mandates for the banks and credit bureaus to follow and then not enforcing them at the consumers expense - so annoyed and disappointed!
Consumer complaint received 2016-09-27
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ditech Financial LLC (AL)

I got a loan from XXXX. this loan was sold to green tree. Green tree then foreclosed on the loan and took possession of the property and sold it. they then sold the loan to Ditech. Ditech sent me a XXXX form to pay taxes on a loan that was foreclosed and stayed on my credit report for 10 years.
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Hello, Sorry to bother Chase and the Consumer Protection Bureau again regarding this matter. I have been unable to resolve thus far the matter with the unauthorized charge to my credit card account that was closed because of this action. 

I have contacted XXXX and submitted a formal complaint and have not received any response. So I took the next step to filing a complaint with the Attorney General in the Consumer Protection and submitted the contract with proof that my credit card was bill erroneously. Since then my account still has not been credited and my account in submit to being cancelled per attached letter. I do not want my account cancelled. I can not afford to pay {$2800.00} that I did not authorized payment for. I am working on resolving this matter and that is why I have reached out to the Attorney General 's office for maybe some assistance. I have already spoke with and attorney who said I was not the party to be charge per the contract. I understand the situation and I am doing my best to reach out to someone at XXXX to issue this credit back to Chase so they can get their money back. I am trying. Its not my fought and I am morally do n't want to leave Chase holding the bag. So I will resolve this issue XXXX way or another. Please do not close my account until I can get this account back in good standing. This is my account I use for my mortgage business had to pay my bills and mortgages and tenants have access to pay their rents so mortgage payments can be deducted from.
Consumer complaint received 2023-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ME)

XX/XX/XXXX there were 4 unauthorized hard inquiries to my account. One of which has been removed I contacted all the companies that I had contact information for. 

XX/XX/XXXX there were 2unauthorized hard inquiries to my account. 

I was in Maine when these inquiries were made and on XX/XX/XXXX I was at a hockey game in Maine which their were witness so I clearly was not in Texas. 

I have contacted the Texas police multiple time to attempt to file a police report and my local police station with no luck of getting a police report. Which when I call they keep telling me I need to send in a police report but offer not help on how to get one when I explain Im having difficulty reporting it to the police just the same line you need to send paperwork into us.

I have called Equifax and mailed in a report from the federal trad commission which they have no record of So I will be attaching it to this report. 

I also inquired why my XXXX XXXX XXXX XXXXXXXX was removed from my report in XXXX of XXXX with no luck getting any information from them on why or who authorized it which also hurt my credit. 

I wish they would have been this though when someone stole my identity. I have informed them that this was not authorized and its been over a month since the first inquiries on XX/XX/XXXX. 

I also identify as a person with a XXXX and am suffering from the stress from the identity theft and the company 's process to resolve the issue. They should need to prove these transactions were authorized at this point which they can't do because I have witness that put me on the opposite end of the US at the time these were made. 

If they have any questions they can contact me.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Jon Barry and Associates, Inc. (NC)

I have several accounts that are fraudulent that have been listed with your agency and they have been listed with various credit reporting agencies with this fake information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CA)

I opened a Stash Rewards credit card and set up my online account. I made a few purchases then XXXX large purchase of around {$2200.00} that was declined and set off a fraud alert on my account. I called Synchrony Bank to inquire why the transaction was declined and the told me I needed to send in identification verification to them in order to lift the hold from my account. They said it had to be mailed in and not sent by email. I mailed them the items they requested. Two weeks later I called them up to find out the status and was told they did receive my ID documents and still needed to review them. She said I would be informed of their decision in 7-10days. Three weeks have passed without a word from them. Today I received an email stating my payment is past due and to log into my account to make a payment. I attempted to do just that but I 'm still locked out of my account. 

I sent the documents they requested and still have no access to my credit line or the ability to make a payment. I need help resolving this matter with them.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Can not submit disputes on Transunion.com, at times you can get all the way to finalize step and then the website will report it has a problem, sometimes, like today you can start the dispute process but can not access items to dispute. I had much better luck with this when I was paying for their report but I should not have to subscribe to dispute an item.
Consumer complaint received 2015-12-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (NM)

I applied for a secured title loan at a web site called " XXXX '', on XX/XX/2015. After submitting my information the web site stated that I qualified for a loan for {$5000.00} secured by the title to my XXXXPorsche Boxster. The loan site indicated I would receive a loan for {$5000.00} at 7 % interest rate. I was quite happy about this as my wife and I had just moved from XXXX, XXXX to XXXX, XXXX, and we were in need of funds. After I had completed all of the information online, I received a check for {$5000.00}. We signed over the title to my car and only then received our initial bill which showed a loan apr of 88 %. We were quite stunned and my wife called the lender ( Wilshire Commercial Credit ) and asked about the loan interest rate. Again, over the phone the representative stated that the loan was granted at a rate of 7 %. The representative stated that the payment of {$390.00}, almost all of it going to interest was so high because of " fees ''. All of the transaction was completed online, using " XXXX '' ' and nothing that I signed showed the exorbitant interest rate of 88 % apr. After this I researched the company, Wilshire Consumer Credit '' and found that many other consumers had been duped just as I had. In fact I learned that this company was the subject of legal action by the Bureau of Consumer Financial Protection, for similar and other deceptive loan practices. I am requesting assistance from the Bureau of Consumer Financial Protection in obtain a just resolution of this matter.This whole matter is particularly abhorrent given that while I was in the process of obtains this loan, and in subsequent discussions with company representatives, Wilshire Consumer Credit was being prosecuted in court for such abhorrent actions. Please help me obtain a satisfactory resolution in this matter because otherwiseI will certainly lose my car! To make matters worse still, when I received my XXXX bill it showed an additional charge of {$150.00} for " prepaid interest ''. Again, I had not seen anything about such charges until I received the bill! Following our inquires with Wilshire Consumer Credit, they sent us a loan document that showed the interest rate of 88 % apr, which was signed digitally using software by " XXXX ''. At no time prior to receipt of this documentation had I seen this form or signed any document, electronically or by conventional paper and pen, until the company sent this documentation after the loan process had been completed. ACCOUNT XXXX. 

Respectfully submittedXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX
Consumer complaint received 2015-03-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (MI)

My son defaulted on his XXXX. I am not exactly sure how many payments he missed. I called Chase, trying to make this right, however they are NOT willing to work with us. Our only options were to either give them {$11000.00} as a lump sum before the end of XXXX OR we can make payments for XXXX months on the total owed which is approximately {$18000.00}. 
I spoke with XXXX different XXXX there. The XXXX XXXX I spoke to said we had to pay {$400.00} a month ( which I thought was going to be until loan was paid off ) when I called back for more information, I was told we could only make payments for XXXX months. We are unable to pay either {$11000.00} now OR {$18000.00} in the next XXXX months. 
My son is in XXXX and is not working, and we do not have the money to pay it off for him. 
I understand now that a XXXX was NOT a good plan. They refuse to rehabilitate the loan and also refuse payments until this loan is paid off. 
On more than XXXX occasion both XXXX mentioned it was on his credit report and until we paid in full, it would stay. 
Their unwillingness to work with us in order to get this taken care of is just not understandable. I know XXXX other lenders will rehab the loan after XXXX payments have been made in time. Why are they not willing to do this and get full amount of loan back?
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A. (AZ)

I have filed many complaints to Citibank already because of the violations they've committed. They keep communicating with me in connection with the debt collection and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I have stated many times that I refuse to pay the debt and they keep sending emails. They stated in an email that they believe the debt is valid and closed my account without notifying me but in pursuant to 15 USC 1692 ( g ), only the original creditor which is me can validate a debt.
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Western-Shamrock Corporation (TX)

My XXXX year child is getting calls from a local loan company, Western Finance. When they call they are asking her name and information without saying who they are. She hasnt given them any information and I have asked them direct four seperate times to stop calling her. Today, I was cursed at by their employee and hung up on. I have never had any type of loans through this company at all.
Consumer complaint received 2016-01-30
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings (MT)

Today-XXXX I received a Notice of Default and Right to Cure letter from Speedy Cash addressed to my late husband, XXXX XXXX . It stated he owed {$190.00} from a loan date XXXX/XXXX/XXXX. My husband died XXXX/XXXX/XXXX and was in ill health the last few years of his life. He did not drive nor did he have a financial reason to borrow from a payday loan company. I called the company -- the Customer Service person refused to state in what city the loan originated, the address of the debtor, or any information to actually verify my husband had made the loan. They wanted me to send a copy of his death certificate and the last XXXX numbers of his Social Security number -- I refused. They kept referencing federal laws as to why they could not disclose this information -- yet they wanted the {$190.00} or it would go to collections.
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (VA)

I have contacted this company several times and informed them that this account is not mines. I have also sent them a letter stating that this account is not of my knowing. If this doesn't get resolved soon i will be forced to use legal actions. Please remove this account as soon as possible.
Consumer complaint received 2017-03-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

A terrible decision caused my account to be gone forever from TDbank.A fraudster got my debit card information.There were unauthorized deposits and fake checks deposited into my account.The bank fraud department took too long in investigating.I did pay off what was owed but the bank showed hatred against me.I think they stopped the investigation.They may be also slandering me .I did not know what to do.I have been told that I am to get refunds from what was stolen even if it was done in an irresponsible way.The bank has to realize that I am no criminal.They also need to know that in this digitalized time banking information can be gotten by anyone.I want to know why they feel they do not have to follow the law and why they think I should pay for what happened.They also need to be questioned as to why they allow these fraudsters to keep stealing money from people 's accounts.The bank also insisted on saying that they do not care what happened and that I should have known better.I also want them to know how this made me feel.I had been with them since even before they became TD.Back then they were more responsible.They did work with customers on these problems.They advised on how to be careful with these problems.They are possibly trying to say that I conspired with this person who seriously damaged my account in order to steal from them.I am no criminal.I do not need theirs or anyone elses money to resort to doing such a fraudulent thing.They really do need to be called out on how they pretend to investigate bank fraud but really do not.It is due to this stress that I was not able to pay what was owed until my tax refund came through.I also want them to know that I am not the only one that this has happened to.It will continue as long as they allow the fraudster who they are aware of continues to do this as long as they are not caught.I have to say that they may be working with this fraudster.I had not received any help with payments from TDbank until a few days before they made some charge off and then claimed they gave me a credit.They allowed me to open a new account but then they closed it.They will tell me the results of what happened.I have the right to know that.
Consumer complaint received 2015-10-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (NY)

I had a car loan financed with Exeter bank. On XXXX XXXX 2015 the car was totaled. The insurance company and Gap paid the car off. Exeter bank has been reporting that my account is late from XXXX to XXXX. I have been trying to resolve this issue since XXXX. They are reporting the deficiency balance which they can not collect in the state of New York along with interest and XX/XX/XXXX payment which was due at the time the car was totaled however, the insurance check from XXXX paid for XXXX.
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I received a message from XXXX with PayPal XXXX Office of Executive Escalations. It states that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. 
As far as I know I only received payments from the graphic designs I made to my clients. Transaction ID 's : XXXX from Sir XXXX XXXX and XXXX from XXXX XXXX. Which is now on hold. Attached here are their orders and invoices.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (NY)

XXXX was offered a loan modification with a down payment of {$9300.00} from XXXX with a down payment. XXXX sent XXXX the check they cashed it and they never gave her the loan modification. Then she was transferred to another servicer and it has been an on going process of trying to get her loan modified as well as trying to find out what happened to the {$9300.00} and why did XXXX take her money and would not talk to her after they received her money.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (GA)

I applied for a refinance with Green Tree Servicing , LLC ( where I currently have my mortgage ) on XXXX XXXX, 2015. The loan officer name is XXXX XXXX XXXX and he said that my loan is approved awaiting for the title clearance. I sent them the XXXX documents for about XXXX times and they kept saying that those documents were not the correct XXXX. They were doing this for over 4 months. Finally the manager at title company stepped in cleared the title with the documents that we sent. In the meantime the title company clearing the title, the processor at Green Tree closed the file without letting anyone know. I contact the manager at Green Tree for help and he did n't help at all. Now the title is clear and I want to close the loan asap. It looks like Green Tree does n't want to refi my home. Please help.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (AL)

Despite multiple written requests, the unverified itemslisted below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 2016-08-15
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One bank took money out of my account through an ACH transaction on XXXX XXXX. The Ach Trace Number is XXXX. My credit union states it was from an online transaction. I have been behind on my account and it was closed after my son got XXXX last year. I am paying them {$50.00} a month but they took out {$1000.00}. My mortgage payment. I searched the web and this seems to be a practice that they do a lot. I have not made a payment to them through the account they took the money from for quite some time. I ca n't believe they would have the ability to just take money as they see fit.