davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ditech Financial LLC (MN)

We had a XXXX mortgage with HSBC.We received a Cancellation of Debt from XXXX dated XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. Months later we received another copy of Cancellation of Debt which was dated XXXX/XXXX/XXXX. This form said it was corrected and stated the debt discharged was XXXX.The first discharged {$24000.00}. We heard nothing from XXXX or XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. At this time we heard from Ditech Financial LLC. 
Ditech claimed we owed $ XXXX+with late fees. We were able to get a loan modification on our XXXX mortgage due to my being forced to retire due to health issues and we could not afford our XXXX mortgage monthly payments. We are still struggling with our monthly mortgage payments and we heard out of a 4yr. silence that we owe for a XXXX mortgage. There is no way we can pay this back on our current fixed income.
Consumer complaint received 2017-01-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D2 Management LLC (OH)

Received a call from D2 management saying that I owed a payday loan from XXXX. I said that is it false and the woman said it is over 1100 that I owe. I said I know my rights and I want something in writing and she said that the have my SSN number but would only give the last four. She stated I would be in big trouble and then I hung up.
Consumer complaint received 2017-02-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (TX)

I received an auto loan from Exeter Finance on XX/XX/XXXX, 2013. The company did not go over the terms until the account began delinquent, due to not being able to afford the account. Throughout the term of the loan, I had XXXX where I could not go to work. And I advised this to them, and they did not provide options to help me. They offered me help twice throughout the time I had the loan. When I purchased the vehicle, it was over XXXX. When I looked at the account recently, the remaining balance was over XXXX, how does a person is the span of 4 years, only pay a little over 3000.00 on the car, that does not make sense to me. Come to find out I had a daily interest loan. How in the XXXX am I supposed to afford that type of loan. To me that is predatory lending. I am disgusting by this company. They harassed me over and over and over, when I explained my situation. There is no way any one should pay XXXX on a car loan. They have caused me emotional distress by repossessing the car, not from my house, but from private property. I need them to remove this from my credit, I will be forced to take legal action, towards their predatory lending.
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

Hello, this is a " tribal loan '' which I did not know and they are charging almost 850 % interest on a short term loan. Which was never explained to me. I received a call and was told " oh no problem, one time charge to start the loan '', the customer rep was vague and talked very fast. Until I started getting withdrawls from my account and called and was then explained the scam I got myself into. I was not informed of this interest rate and was unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered. I believe this is wrong and illegal to do business like this. The company is Red Rock Tribal Lending, XXXX XXXX. CastlePayday.com ( now bigpictureloans.com ) XXXXXXXX XXXX, XXXX, MI XXXX PLEASE HELP
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A. (IL)

PNC offered a promotion on my credit card for using visa checkout. The promotion consisted of a XXXX dollar credit for spending at least XXXX dollars with visa checkout with your enrolled credit card. The bonus was to be paid within 90 days. It has been 90 days. The bonus was not paid. I have contacted PNC twice with no resolution. This is the second instance of an UDAP violation where PNC had refused to honor their advertised terms on an account with me. I would like all my bonuses paid, accounts closed and PNC held liable for violating UDAP.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Made an electronic payment to Ditech Mortgage on XXXX XXXX 2016. My banking institution shows a payment yet on XXXX XXXX my Ditech account still does not show the payment received. Ditech customer service says it may be processed later today. How many days do they need? They are the worst mortgage company I have ever dealt with. I have XXXX other mortgage companies I deal with ... no problems at all with the other companies.
Consumer complaint received 2016-07-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC. (GA)

I have sent many disputes to the Credit Agencies and to ECMC in regards to the XXXX accounts that they are inaccurately reporting on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that ECMC verified that these items are accurate. But it is ironic how ECMC will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from ECMC. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

My name is XXXX XXXX and my data was breached in the security breach that you guys had in 2019 I want all of my negative items taken off my credit report. Anything from 2019 this way. You have been ordered by the courts to fix it. I have been telling you guys that my identity has been stolen hundreds of times and nobody is listening well. It is now ordered by the courts that you have to fix it. If the issues consists after a certain amount of time, it's on you. You guys better fix it
Consumer complaint received 2016-11-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I have had a credit card and personal and business checking/savings account with Chse for several years. I was XXXX on XXXX XXXX, 2016 and while in XXXX my identity was stolen and all my funds were drained out of my accounts and my cards were maxed out. I was recently XXXX on XXXX XXXX and now Chase is refusing to do anything to restore my lost funds or fix my credit because I did not report the fraud fast enough, but since I was in XXXX there was no way for me to know this was occurring.
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

My name is XXXX XXXX. I am reaching out with respect to the PLSF waiver. Prior to XX/XX/XXXX, I was making payments to XXXX. I was never eligible for PLSF because my loans were not the correct type of loans, despite working in XXXX XXXX as a XXXX  at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I applied to consolidate my loans ( as suggested by the government to be eligible for the PLSF waiver ). My loans were consolidated. I applied for Employment Certification in XXXX as well. In XX/XX/XXXX my counts were finally updated. I have approximately 92/120 payments. However, this was not correct as my belief was that I was well over 120 payments. I did some more digging and learned that the Government put me on School Deferment from XXXX and did not inform me ( I started a XXXX XXXX XXXX ). I continued making payments during that time ( therefore, over 60 payments ), all on time and full amount and I have documentation. During this time ( and still today ), XXXX XXXX XXXX XXXX XXXX My payments were over $ XXXX/month. I continued to do some more research and submitted a back dated form to waive the School Deferment for that period of time. It was accepted but only effective starting XX/XX/XXXX. I contacted and complained through the FSA portal. I finally received notification yesterday ( XX/XX/XXXX ) that they are closing my complaint. They are stating that the PLSF waiver can not be applied to school deferment periods and my waiver can not be applied prior to consolidation in XX/XX/XXXX. This makes no sense to me. I did my due diligence and paid on my loans. I did not default once. I have been working at an eligible institution since XXXX and have paid well over 120 payments, these are all the requirements of the PLSF temporary waiver. However, I am being denied because I did not apply to waive a school deferment that I was not aware of that the Government put me in. Please help.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NV)

My account was used fraudulently, and after over XXXX calls to Barclay XXXX with my Police Report in hand, I was credited for the amounts of the fraudulent charges. I was not, however, credited for any interest or associated fees. I am still being charged interest on the fraudulent purchases. Unfortunately, k due to the complicated process of calculating APR on these amounts, I do not know how much money I am being charged.
Consumer complaint received 2016-10-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NC)

I brought of vehicle from Regional Acceptance around XXXX. I was in an XXXX relationship relationship that I was trying to get my kids and myself out of. I took the proper steps with the authorities as well as contacting Regional Acceptance about what I could do. I had to pack up and leave everything behind in order to be safe. Upon speaking to them I was told that I can voluntarily turn my vehicle in. I turned my XXXX XXXX back in to them in XXXX. I was told it would be on my credit report for 7 years at the most. Well a couple years ago I received a schedule I think it was a XXXX C that I had to claim on my taxes from Regional Acceptance that had me to have to count this as part of my income. So I filed the debt on my taxes. Well 7 years would have been XXXX and 10 years would have been XXXX. So why is this showing on my credit report and it is showing activity. It shows that the last payment was made on XXXX/XXXX/XXXX. It also shows delinquent in XXXX, and XXXX. I did not have that car those years. The car was a voluntary repossession in XXXX so how is it reporting payment activities in my name for these years way after I had turned it in. How are they doing this fraudulent activity on my report. This is not acceptable. How many clients are they doing this too? I do not have the account information because it has been that long ago, but what is showing on my credit report is Regional Acceptance Corp # XXXX
Consumer complaint received 2017-05-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (GA)

Ditech Financial LLC was the mortgage servicer on my FHA mortgage loan and I refinance  XXXX   XXXX ,    2017  ; funding  XXXX   XXXX ,  2017 . The company issued a payoff thru  XXXX   XXXX ,  2017  which included 30 days interest ; {$800.00}. However,  Ditech  has not refunded th e 21 re maining days interest due me and FHA document no.  XXXX  states the mortgagee can not charge interest beyond the payoff date.     I 've spoken to several customer service representative and management by phone and was finally told the investor requires 30 days interest. There is no prepayment penalty and I 'm entitle to the refund. There, I would appreciate assistance obtaining the balance due {$560.00}  ( 21 days ) interest  as soon as possible. I received the escrow balance due but not interest refund.     Thank you
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AL)

I used my credit card, a Chevron card, at a location near where I live. The only other time I used the Chevron card, other than at that location, was in early XXXX of last year. I used my Visa card at the same local Chevron station on XX/XX/XXXX of this year. On XX/XX/XXXX I received an e-mail from my bank citing suspicious activity. I informed my bank that the activity was fraudulent and cancelled the card. That Chevron station was the only place I used that Visa card other than XXXX. In XXXX I received a bill from Chevron. I paid them what I owed but did not pay the fraudulent charges. All the above I stated in a letter to Chevron which I sent with my bill. I sent the letter to the address of credit card payment and another copy to the address given for complaints about incorrect charges. I am still getting billed for the fraudulent charges. Not only did I cite the fraudulent charges but I referred Chevron to my bank, including the last four digits of the cancelled card, so they would would know where the cards were being copied.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

Case number : XXXX I do not have any response to this case from the Chase Bank, they are ignoring me! 
I demand from them full refund for all stolen money from my accounts, plus the new robbery, plus XXXX % fee. 
If I will receive my money back, or not I will write complaint to the F.B. I. and ask them for Initiation of investigation regarding this crime. 

Employees in any bank are doing mistakes, doing problems to custumers and no one is responsibile for that and are not punished. 
One of problems which they did for me XX/XX/2014. 
I wanted to change my company name. Lady in XXXX Chase bank copied my documents and said, that I will receive new banking card with new business name for about one week. I received new card, however still was old company name on the card. 
I drove to the bank and the lady called to the people. She said, that new card I will receive within about one week. 

I received new card, but again, still was old business name on the card. She again called to the people and complained this problem. 
After about week I received new card, but this time was the new business name. 

Yes, three times I traveled to Chase bank regarding this easy thing. Will pay me bank for lost time and nerves? I heard sorry, bot who can buy something for a sorry?
Consumer complaint received 2015-05-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I was paying bills with my Chase when I clicked submit apparently it was just after their cutoff time. consequently I got a message saying XXXX of the bills were being submitted and XXXX were not. I did not understand the message so I called Chase to find out what the problem was. During this time the screen timed out and apparently the XXXX payments indicated were sent. XXXX of the payments to XXXX XXXX XXXX was for the wrong amount it should have been {$45.00} and was instead {$90.00}. I was eventually, after threatening to file this complaint, sent to claims. Short version of the story. they told me they could n't do anything because XXXX XXXX XXXX offices were closed. I was told, they would need to send a fax to XXXX XXXX XXXX to explain the issue and the funds returned to chase and placed in the correct XXXX bill payment account ( I have XXXX accts, XXXX for uvers - XXXX for home phone ). I have been on the phone for over an hour today trying to reach a supervisor in the claims dept to get this resolved and have yet to be connected to anyone who can help.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (TX)

Quicken loans provides pre-approval letters without doing due diligence. This results in delaying closings which have financial impacts to buyers and sellers. When I bought my house in XXXX XXXX, MI they kept delaying my closing because they would not get their act together. 
Now that am selling the house, quicken loans provided a closing date of XX/XX/XXXX, and today one day before the closing they once again send out a statement saying they need to delay the closing one week. How can the government allow such abuse of the average citixpzen by the big company.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I am XXXX of the small church, The XXXX. 
Our church is a customer of the bank Chase, account NO. -- XXXX, account name : XXXX. 
The bank has caused our complaint since XXXX. 
We found a serious problem in our account : The checks that we had issued and the bank had paid in XXXX were used again in XXXX, the bank paid to someone ( XXXX ) about {$1800.00} ( four checks ) from our account. Even though the name ( XXXX ) of " pay to '' was written over the original names that they were already used. We guess an employee of the bank used the used checks. This problem came from the chase bank 's mistake 100 %. 

We claimed the bank to return our money {$1800.00} to our account XX/XX/2016 ( claim No. # XXXX ). But the bank did not even though we have asked every week. They are repeating, " wait ''. The branch bank : No, XXXX address : XXXX, TX XXXX We think the bank must return our money at once. We need the money.
Consumer complaint received 2015-12-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (FL)

I have a 15 yr. fixed mortgage with Shore Mortgage and my loan was made in early 2014 with a PMI that was to be removed automatically when the LTV reached 78 %. My loan was for XXXX and the property had an accessed value of XXXX at the time of the loan. My goal was to pay off this loan in 10 to 12 years so I have made extra monthly payments that has lowered my LTV making it eligible for PMI removal.. My loan balance is now below XXXX and has exceeded the point where the auto removal should have been made. I contacted Shore mortgage and they want me to pay for a drive by appraisal of $ XXXX before they will remove the PMI. There is nothing in the contract about a drive by appraisal but I have no objection to this or even an inside appraisal but the fee for this should be on them. A real estate agent told me that she could quickly sell my home for XXXX. Now I am also told that if I do not pay the fee for the drive by that the PMI will continue until the date that would be the normal amorization of the loan for the 78 % if I had made no extra payments. This is a rip off and violates everything I have been told by Shore Mortgage represenatives as well as what is in the contract. What I want is for the PMI to be stopped and all overpayment above that required to meet the 78 % LTV to be returned.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On Friday, XXXX XXXX, I deposited a check totaling {$1900.00} into my Chase savings account. On Monday, XXXX XXXX, the check cleared and the funds were posted to my account. I then called Chase bank and spoke with a customer service representative. After a five minute recorded conversation, I was assured by the representative that the check had cleared with no problems. 

This morning, I received a notification from Chase bank that the check was returned and my account was now {$1800.00} overdrawn. After speaking with Chase customer service twice more, I was informed that the check was " altered '' and that the funds were no longer available. 

After I explained to the supervisor how I had already called the bank to confirm the check was cleared, the only response was apologies and a promise train their customer service agents more fully.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I have been using chase online bill pay to submit rent payments to my landlord for over XXXX years. XX/XX/XXXX my landlord told me that he has not received my check ( i had set it to autopay with my bank ) I contacted chase and asked them what happened to the check, they told me that it was cashed by someone on XX/XX/XXXX. I sent this information to my landlord and proof of an image and he said that he has not cashed it and it seems like someone stole the check. 
I contacted chase and opened a claim immediately, chase asked me to send in a notarized for with all the information and once I did that they would start working on the claim. I sent all the paperwork in and called up chase claims, they told me that it would take a minimum of XXXX and they are doing me a courtesy by filling a claim and they will try and help out, but they can not guarantee anything. My issue is that chase printed out the check and mailed it, they said that it has already been cashed, but they do not have any information on what bank it has been cashed with. They are holding onto my funds for XXXX days and my landlord wants another rent check. My rent is pretty high and I do not wish to use my savings for this. Why is the bank taking this long to solve a claim? How was the check encashed when by someone else when it was not in their name.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, XXXX, I responded to a promotion and applied for the Chase Freedom Unlimited Visa card online. The promotion is : Chase Freedom UnlimitedSM credit card Chase Freedom Unlimited ( Service Mark ) credit card NEW CARDMEMBER OFFER {$150.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. 
After the account is approved, I used the card as per the promotion requirements and waited for the bonus to come. It never did. In XXXX XXXX, I contacted Chase Visa customer support 3 times on status and was told there was no promotion for my card and there is nothing they can do about that. It was a terrible experience to find out this outcome after 3 months of account opening.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank continues to mislead me and lie to me and cheat me. I have had 3 mortgages with them and they told me I qualified for modifications on all 3. I have received 2 modifications. They have lost {$11000.00} that I sent them in payments in forbearance and refuse to find it. I am totaling frustrated with them and want you to help in resolving my complaint.They are now offering a mod on the final one and want me to send them payments but they have not been accountable to me for the money I have already sent them and so I have opened a savings account and placed the money there. Please help.