davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I am writing to express my disappointment with the experience I had with Chase Bank on XX/XX/XXXX. On that day, an account hold/levy was placed on my checking and savings account in the total amount of {$4700.00}. I spent the morning on the phone with Chase 's legal department/levy department and was told misinformation several times about whether they received the letter from the company who placed the levy, Texas comptroller , on whether it would be reversed or not. 

Despite speaking with the Texas comptroller and having them escalate the issue on their end and fax the document over on XX/XX/XXXX at XXXX, Chase Bank failed to receive it. I waited until Monday to give Chase Bank time to receive it, but when I spoke to XXXX in the levy department on XX/XX/XXXX, she stated they had not received it. 

Texas comptroller emailed the fax confirmation for XX/XX/XXXX along with the documents as XXXX advised I go to a branch and have them fax it in to a completely different fax number which would " escalate the process, '' but two business days would still be the turn around time. I explained to XXXX how the error of them not receiving the fax should not fall on me and if they could backdate or expedite the process as it is their system error or not receiving this. She explained that is not something she could do, to which I asked to speak with a supervisor. 

Despite requesting to speak with a supervisor on XX/XX/XXXX at XXXX, I did not receive a call back. I followed up at XXXX, and XXXX was able to find the document and stated there was nothing else to be done. However, when I asked for her manager 's name, she told me she could not give out personal information such as a last name or a good business email to reach her at. She was rude and unprofessional along with lacking complete empathy. 

After reaching out to other departments, I was informed that Chase Bank 's levy team customer service reps would be the only ones who could assist me. However, after 48 hours wasted on Chase Bank not having proper procedures for their fax machine regarding such important matters, I feel lost as if anything will ever be resolved with them. 

I hope that you take this matter seriously and look into the issues I have raised. I expect better from Chase Bank and its employees, and I hope that something can be done to rectify this situation.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (NJ)

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month ofXX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Consumer complaint received 2021-04-22
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)

These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.
Consumer complaint received 2023-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP (NM)

Bank of Albuquerque is the worst bank possible they have lost {$21000.00} of my hard earned money and they can not find it. I have contacted the branch I always visit in XXXX XXXX, NM and I have contacted the XXXX XXXX  no one cares and no one has done anything to try to help me find my money. XXXX is the Branch Manager of XXXX XXXX and of XXXX XXXX and is completely incompetant and can not handle these situations, and I have to suffer with missing money because of it.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

On XX/XX/XXXX, I sent a letter to Equifax disputing a credit inquiry on my credit report from XXXX XXXX. 30 days after this letter being received by Equifax, this account was not marked as disputed on my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Equifax had 30 days to complete this investigation and to mark this account as disputed on my credit report. Per my certified mail receipt, this letter was received by Equifax on XX/XX/XXXX. This account was not marked as " disputed '' on my credit report within a 30 day window. 

By not properly investigating this matter within the required timeframe, Equifax violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of my credit report.
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

My complaint is that I made a transaction from my bank to my landlord bank through a system used by the bank called sure pay, which is Wells Fargo to XXXX XXXX. However, this is where my problems began because the landlord claims that he never received the money and he also showed me proof that he never received the money. I made three claims to Wells Fargo Bank in order to retrieve my money back ; but it was not successful. Also, I am on a fix income and losing that amount of money has put a hardship on my finance. This is the reason why I am seeking help from CFPB at this point.
Consumer complaint received 2017-07-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MO)

Due to financial hardship, we requested a loan modification agreement from Selene Finance. The new loan terms that we received on XXXX/17 were worst than the original loan. We were asked to pay {$3000.00} by XXXX/17. In addition to {$1500.00} on XXXX/17, plus {$1500.00} on the first day of the next six months. The loan modification also increased our interest rate from 4.25 % to 5.5 %, over 40 yrs. instead of 30 yrs. We spoke with loan agent, XXXX XXXX on XXXX/17, and informed him that these terms were awful and requested to have a reinstatement quote sent instead. ; We further requested to pay the reinstatement lump sum and keep our current loan terms. XXXX said I should receive the reinstatement quote by Monday, XXXX XXXX, 2017. I still have not received the quote as of today, XXXX XXXX, 2017, although an agent this morning said that it was sent or may have gone to my spam account. I reiterate, I have not received such correspondence. I 've called my loan specialist, XXXX XXXX and still have not been issued a reinstatement amount. The agent this morning was kind enough to inform me that a foreclosure date of XXXX XXXX, 2017 had been activated. My complaint is that Selene Finance is not truly working to assist the home owner. In fact, it appears that they are working to accelerate the foreclosure procedures against us. I have provided documentation validating our hardship and loss of income. I can not understand how or why the lender would impose more strenuous financial terms in the revised loan modification.
Consumer complaint received 2021-10-03
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: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report to XXXX, XXXX and Equifax. To this day, over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (DC)

Transferred funds from my vault ( XXXXXXXXXXXX ) to my XXXX wallet but cancelled the transaction within 4 minutes. It has been 6 days and still no approval on the transaction. Asked coinbase.com customer support to fix the problem they responded with a stock response : Coinbase Support XXXX XXXX 2017 XXXX Im very sorry for any trouble with this. Im afraid transactions can not be cancelled once the bank transfer process has started as this is an external process. For future reference, for some payment methods there is a 5 minute window that exists after you place your order during which you can cancel a transfer. You can do so by clicking on the transaction from your history page here : https : //www.coinbase.com/transfers Once your transfer completes, you could immediately place a sell order to have your funds returned to your bank account. Your funds would arrive back in your account within 1-2 business days. The sell menu can be found at : https : //www.coinbase.com/trade Please note that the expected arrival date of your funds is given on the Confirmation dialog prior to placing the order. You would also have received an email confirming this information when you confirmed the order. Again, we apologize for the trouble. If you have any further questions or concerns please let us know and we would be happy to assist you. XXXX XXXX Withdrew funds to XXXX Wallet Waiting for approval XXXX XXXX {$1200.00} USD
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nations Recovery Center (CT)

I received a phone call that I was unable to answer on my cell phone no voicemail was left. Then I received a phone call on my work line and a message was left regarding a " personal business matter '' and left a reference number XXXX. I called XXXX XXXX back at XXXX ext XXXX. I called her and let her know on the recorded line that I was not giving her permission to contact me at work as I do not conduct personal business while at work which is why I could n't answer my personal phone when she tried to call. I also asked her to provide proof of the debt as I do n't believe I owe anything and if there is something it has to be over 6 years which in my state would be a time barred debt. I ca n't have this company calling me at work and I did n't feel comfortable providing my personal information ( address and social security number - even the last XXXX ) if I do not owe a debt. These people should not be able to contact people 's place of employment either. She told me a letter had already been sent and she would let her " client '' know that I said to mail me something. If she is attempting to collect the debt would n't the Client be Nations Recovery?
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc. (FL)

My account is # XXXX Credit Counseling Inc in XXXX XXXX FL . The rep managing my account has been " harrasing me '' these past 10 days. I had called back to arrange payment plan but he wasnt available person who took my call was adding other fees that this guy waived because We discussed last week my due amount and payment plan. I had expressed many times to him that I have proof and I am going thru XXXX XXXX XXXX myself and in fact going to another XXXX next week I wont be able to walk for 2.5 months. I also have proof of financial distress as we had a water damage in our house where me and my family of XXXX live. However I had told him I wanted to start paying to not affect my credit I called him back to provide my payment info but the other rep was not aware of all our arrangement for payment. Today I responded to him friendly and nicely. He didnt let me finish talking started using obscene language telling me threathing with about his lawyer saying I am not playing games with him, you know who I am? Do you? Dont bypass my question? I was Like? Who is this guy?. I wanted to inform him my first payment was on the way from my bank account and he didnt care he didnt even let me talk? He kept yelling at me over the phone i said you know what goodbye and I hung up. He is horrible and I need your assistance people like this shouldnt be doing these jobs nasty low educated people. I am just sick in pain these days and I still can be a nicer person than him. I ask for your help but I am also looking into getting counseling from the general attorney. This guy wont stop calling me. I thought I would call rhe manager directly but this guys is always answering. I had been a collector myself while in college and still able to get my commision without acting or being an XXXX with people.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (WI)

In XX/XX/XXXX Chase Card Services allowed an individual to open not just one, but two credit accounts in my name with this person as an authorized use without my knowledge or consent. I feel this is criminally negligent action by Chase Card Services. My credit score at the time these accounts were opened was so bad that I was turned down for a simple XXXX XXXX XXXX  XXXX  XXXX! These accounts were apparently both with {$5000.00} credit limits with were exceeded by this individual. I found out about these accounts when I applied for a home loan in XXXX and they showed up on a credit report. This person, later found out to be my soon to be ex-wife was secretly making minimum payments and these were set up as online accounts to a bogus email address I had no knowledge of. Chase Card Services initially agreed that I was not responsible for these fraudulent accounts, but later changed that decision as the secret payments were coming from our joint checking account. Regardless, these accounts should never have been allowed to be opened in my name, especially considering my credit score at the time. Speaking with their Fraud Department, I asked if anyone with my name, birthdate, SS #, and a bogus email account could open a credit account. Her reply was " yes ''. Criminal. My credit score is destroyed. Thank you.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

On XX/XX/2017 I received a letter from IC Systems stating that I owed them XXXX. I sent them a certified letter asking them to validate the debt. I received no information validating the debt they state I owe, They however proceeded to report this debt even though it's under investigation to all three credit agencies which is a direct violation of the of the FDCPA Section 809 ( b )
Consumer complaint received 2016-08-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

About two weeks ago my regularly scheduled monthly payment to my private student loan servicer ( Navient ) did n't go through because my bank account balance at that time was a few cents off. Because of this, my bank did n't authorize the payment. I called Navient later that week on XX/XX/XXXX to ask if the company would try to withdraw an electronic check from my account again and he ( XXXX ) said Navient would n't try to withdraw the same payment a second time. Therefore, I made the payment online the following Monday ( XX/XX/XXXX ). The next day ( XX/XX/XXXX ) when I checked my bank account I saw that Navient did try to withdraw a second payment. Which caused my account to be overdrafted with fees being assessed to my account from my bank. I called later that day and spoke with XXXX ( XXXX ) who refunded one of the payments when I told her my situation and that I could n't afford to make multiple payments at one time. A week later, today ( XX/XX/XXXX ) I checked my Navient account online and it shows that I have n't made a payment for XX/XX/XXXX, and that my account is currently delinquent. When I called the Navient representatives they claim they never received a payment, although the second check from ( XX/XX/XXXX ) cleared. I 've spoken with representatives at my bank and they 're showing that I made a payment for last month. Unfortunately this is n't the first time that I 've experienced customer service issues with Navient, last year they claimed they did n't receive a payment that I made. It is obvious that Navient is n't telling their employees proper information about how payments that are n't received the first time are processed. This one payment has caused a never-ending inconvenience. If Navient allowed customers to make payments online without any restrictions I would'nt have to deal with the many mistakes that come from automatic withdrawal. This is yet another reason why we need to have student loan reform in this country! Especially when it comes to private loan servicers like Navient!
Consumer complaint received 2017-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IL)

Midland mortgage miss manage my payments from XX/XX/XXXX though XX/XX/XXXX and SAYING MY HOUSE IS VACANT, now they are threatening to foreclose on my home, If I do n't send them XXXX by XX/XX/XXXX. I do n't owe them payments I mail those payment out to midland mortgage, THEY received the checks, and the checks cleared. I even fax them the copies of the checks. They are stressing me out and I get the run arounds when I call. ALSO no one could tell me were the money is. SINCE those checks cleared. RETURN THE MONEY. I think something FRAUDULENT is going on with Midland Mortgage and they should compensate ME IN THIS MATTER. ALSO ANOTHER MATTER YOU SHOULD LOOK INTO XXXX XXXX reason why, I had a claim on my house back in XX/XX/XXXX they found asbestos, THE CLAIMS adjuster recommend that I go with a company THAT DOES THAT TYPE OF WORK FOR THEM ALL THE TIME IN THESE CASES. THE NAME OF THE COMPANY IS XXXX XXXX XXXX. THEY LEFT MY HOUSE A MESS, DUST AND PARTICLES EVERYWHERE, THEY LEFT PIECES OF XXXX TILE ON THE FLOOR AND IN THE AIR DUCTS THEY DID NOT CLEAN THE FLOOR ADHESIVE CALLED XXXX XXXX INSTEAD THEY COVER IT UP WITH SOME KIND OF PAINT EXPOSE ME AND MY FAMILY AND MY FURNITURE TO XXXX WHEN THEY SAID THEY WERE FINISHED, SO WE CONTACT THE STATE TO INSPECT OUR HOME, THE FINDINGS WERE CONCLUSIVE, POSITIVE, XXXX IN THE HOUSE.WE HAD TO GET ANOTHER CLEANING CREW. WE BLAME XXXX XXXX. COMPANY FOR RECOMMEND US A CONTRACTOR THAT WAS UNSUITABLE TO DO THIS PARTICULAR TYPE OF JOB, EXPOSING US TO XXXX. THE CONTRACTOR RECEIVED TWO VIOLATIONS. SO WHY DID XXXX CLAIM ADJUSTOR AND XXXX XXXX XXXX CONTACTED MY MORTGAGE COMPANY TO RECEIVED A PAYMENT FOR A JOB THAT WAS N'T COMPLETE, BOTCHED UP, AND INCOMPETENTLY DONE, AND IN DANGER ME MY SON, MY FIANCE AND HIS SON WHICH PUT OUR LIFE IN DANGER BY INHALING PARTICLES OF XXXX IN OUR XXXX ALSO I RECEIVED A LETTER FROM MIDLAND MORTGAGE SAYING THAT XXXX ISSUED A CHECK IN MY NAME IN THE AMOUNT OF XXXX AND THAT MIDLAND WAS NOT TO BE INCLUDED AS A PAYEE WHICH I HAD NO KNOWLEDGE OF THIS CHECK I AM VERY CONCERN THAT THIS IS FRAUDULENT AND THAT I AM BEING SCAMED.CAN YOU PLEASE DIRECT ME TO THE RIGHT ATTORNEY, I NEED HELP
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/XXXX/EQUIFAX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.