davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (LA)

I have a Sears Credit card account, which belongs to Citigroup. Several years ago, I purchased several large appliances with the card. Shortly afterwards my husband became ill and unable to work. Needless to say, I was unable to make timely payments on this card. After speaking with a Sears credit representative, I was placed on an assistance plan for a year, which ended in XXXX 2015. Since that point, I have been paying on the account monthly. The APR is roughly 21.49 %, which supposedly is based on the total amount owed on the account. At this point, I owe {$4400.00}. The minimum payments for each month have been roughly around {$120.00} to {$130.00} each month. However, when I receive the statement for the previous month, approximately XXXX % of the payment is going to interest and not the principal. At this point, I will be paying {$11000.00} for a credit card with a {$6000.00} limit. 

I contacted the company today to request a lower interest rate for this card. However, they refused to lower the APR. I talked to a supervisor who basically told me that they would not lower the interest rate as that was the rate the card was when I signed up for it! Why would I want a credit card with a high interest rate? When asked if I could speak to someone else, she sarcastically told me that there were plenty of building I could speak with however, no one there was no in the building that would help me by lowering my interest rate. ( That was after she snickered on the phone, while it sounded as if she were eating lunch. ) I know that I am not the only one in this predicament. I am upset with this high interest rate and would like some assistance. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2022-08-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC (SC)

On XX/XX/2022, I became aware that Brock and Scott PLLC, of XXXX, South Carolina are posing as lawyers on case XXXX, in XXXX XXXX XXXX Court of Pleas. This is a direct violation of title 15. There are no trustee 's associated with XXXX XXXX XXXX XXXX or any of his private property. I do not have a contract with these debt collectors. I have called and requested a W-9 for tax identification and was denied. I have no clue who this business is or who the work for.

Please take notice of revocation of Power of Attorney and all future trustees. Recorded in XXXX XXXX Record of Deeds. Bk 791 Pg 335. 

They can not collect a debt for anyone because I do not owe any debt. They are using my name and SSN to which they have no permission. Please see attachments. Any proceeding with XXXX XXXX XXXX XXXX must be submitted to SOUTH CAROLINA SUPREME COURT. XXXX XXXX is not a government entity. It is not a court of record. Which is why I am contacting this government agency to rectify the actions of these debt collectors. 

Brock and Scott have employed my name and XXXX. They can not have me on there books as a debtor because the emergency banking act is still active. All debt obligations are of the United States. This is fraud clearly. 

They claim to work for XXXX XXXX XXXX XXXX XXXX who is also a debt collector. This is fraud to me and the CFPB has been informed.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (GA)

On XXXX I received an invoice from PayPal from whom the business customer uses their invoice services to receive money, due to high call volume they were advising to message the reps on an issue that I could not do myself, So on XX/XX/XXXX I sent a message stating that I have a problem with a service that was not rendered and I am not able to dispute the transaction, matter was looked into and then I had to link the card that I used to pay upon doing this a rep by the name of XXXX stated I was protected under the buyer payback protection as long as it was within 180 days, ok so upon looking at the day I purchased I was within the timeframe because I reached out on XXXX and followed up today XXXX purchase was done XX/XX/XXXX, so she comes back to say that PayPal can not go no further back on transactions before XX/XX/XXXX, she would not escalate the situation as I asked her to, her last response was she respect my decision, so I am asking PayPal to refund my XXXX because their business customer has not fulfilled a service that I paid for I was well within the 180 mark as she stated was your policy, the whole conversation is within my message inbox
Consumer complaint received 2016-11-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I was a victim of identity theft and noticed a collection from Transworld Systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Transworld Systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MA)

To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CT)

My wife and I had taken a home equity credit line with Chase Bank. Now that the draw period has ended they have hit us with a balloon monthly payment. During the process this was never said or explained to us and our monthly bill has gone from $ XXXX month to {$1200.00} per month an amount we can not afford. Speaking with Chase they could care less and tried to get me into another loan. The Chase employee was aware of the balloon payment when we first agreed to the line of credit but never explained it to us. We have been scammed by Chase and I 'm asking for a lower more affordable monthly rate. We do n't want to loose our home to the scammers at Chase Bank.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

on XXXX XXXX, 2016 I opened up and account online with Chase. After I submitted my online application I received an email telling me that I was approved and I have to verify XXXX small deposits that they made into my current bank. Two days later, I verified the trial deposits. At that time, I was giving a checking account number and a savings account number and also received a visa check card in the mail. A few days later, I go online to logon to see if the transfer from my current bank of {$50.00} had been posted to my Chase account, since it cleared my current bank and Chase required a minimum of {$25.00} each to fund the account. When I tried to logon, I was given a message to call an XXXX number because I have been denied access. At that time, I was told my accounts were shut down and I would not give me any more information. I call Chase and ask them about my refund and they informed me that it would be deposited back into my account. On XXXX XXXX, and after not receiving my {$50.00} into my account, I called them and was told they were not allowed to give me any information and I will be getting him a check in the mail but that 's up to the discretion of Chase on how I will get refunded. This is completely unacceptable how they pick and choose what customers they want to. If they did not want me in the first place, they should not have taken my {$50.00} and sent me a check card or given me too account numbers and a direct deposit form to give to my employer for payroll. These improper business part says by Chase is discriminatory. Their customer service agents wanted me off the phone as fast as possible and refused to answer any questions.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

I opened a checking account, savings account, and a credit card with Chase Manhattan Bank, using XXXX of my company 's check 's totaling {$1900.00}, and I put a {$4200.00} cashier 's check in my savings account. They then told me it would take time for the checks to clear. After the checks cleared they refused to release my funds stating they need to verify the signer of the check. The signer of the company 's check went to the branch twice, and along with the bank representative did everything the fraud department requested. At that tine the bank rep. requested the funds be released. Later that day we found out that the fraud department still refused to release my money. I 'm disgusted, and told them to close my account and return my money. They said it would take XXXX to 45 days to get my money after the account closed itself funds would be released. XXXX XXXX days later they still had my money. Chase had closed my account, took the funds out my account, and put it in a special account. Chase Manhattan Bank stole my money and refused to return it. When I went back into the bank I was back to square XXXX, where they told me they still needed to verify the signer of the check after 45 days. If they thought this was fraud why did n't they return the money to my company?????? instead the just kept the money ... .what if my company closed and I could n't find the check signer ... would they just keep my money. Luckily the signer of the check is getting a copy of her signature from my company 's bank. If we are successful it will take another XXXX business days ... the saga continues.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I got a modification loan for my mortgage in XXXX 2015. I have been doing payments since then, but I have empty almost all my savings and I struggle every month since the modification the bank gave me has a payment amount higher than the original mortgage payment ; according to the bank that was the best they can offer me if I want to keep my house. This is a 40 years mortgage for {$280000.00} at 4,5 %. If I make all the payments, I been paying almost XXXX XXXX dollars in interest for this loan. Could you help me to find if the bank was right in their decision? Do I have another and better option?
Consumer complaint received 2015-07-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (PA)

Received a letter dated XXXX XXXX, 2015 stating my CHASE Credit Card ending in XXXX was going to expire within the next two months. Since the card had not been used within the past XXXX years, they were closing the account when it expires. 

It went on to say if I would like to keep this account open, please call toll free and they would review. 

I called and after giving them my income and information they were willing to keep the card open at {$1000.00} limit whereas before it was {$6500.00}. They also went on and reduced my other XXXX cards from Chase as well taking the limit from {$5000.00} to {$1000.00}. 

What these actions have done is drastically reduce my credit score from good to below average of which I told them so, but they did n't care stating that was my problem. 

With banks doing this to customers no wonder people have bad credit scores and banks can charge more for loans when you need XXXX. This action also prevents people from acquiring a mortgage or car loan and needs to stop.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS (CA)

After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of D. Carruthers in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
Consumer complaint received 2016-07-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: U.S. BANCORP (AZ)

I received multiple calls from a company calling about my credit card there name is XXXX XXXX, I have gotten no bill or notice in writing from them and I told them not to call my cell phone, they keep calling me an will not stop, now they are leaving me voicemails which I have saved saying they are calling about my desert schools federal credit union account, my voice mail does not say my name on is it in my voice it is a pre recorded message with my cell number, they are leaving personal info on my voicemail not knowing its me this is third party disclosure and also calling cell phone after I have asked them reapeadly not to.
Consumer complaint received 2015-07-08
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Sokaogon Finance, Inc. (CA)

I did not apply for a loan. Received no money. But for some reason this company thinks I took at a loan. They showed me a contract that does not even remotely look like my signature. I told them to send me an affidavid and I remoke them from charging my account. I have looked at my account several times. There is not money there.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CA)

ON XXXX XXXX, XXXX I ENROLLED IN A PROGRAM CALLED XXXX SPONSORED BY XXXX XXXX XXXX FOR AMOUNT OF {$1900.00}. THE THIS WAS SUPPOSED TO BE ADVISORY AND EDUCATIONAL SERVICE. AFTER MANY CALLS AND E-MAILS I WAS ENROLLED IN XXXX XXXX XXXX WEEKLY OPTION ADVISORY PROGRAM THAT WAS SUPPOSED TO BE AUTOMATED BY THIRD-PARTY. I DID NOT RECEIVE WHAT THE AGREEMENT WAS I COULD NOT SET THE ACCOUNT. I ENROLLED ON THIS PROGRAM ON XXXX XXXX, XXXX AND I DISPUTE THE CHARGES ON XXXX XXXX, XXXX. THE BANK DID NOT INITIATE THE REFUND BECAUSE THEY WOULD NOT UNDERSTAND THAT I DID NOT GET WHAT I WAS SUPPOSED TO GET. AS A RESULT THERE WAS A CHARGE OF {$5000.00} TO MY CREDIT CARD WITH NEW AGREEMENT OF TERMS AND CONDITIONS THAT I DID NOT AGREE TO. WHEN I TRY TO CHALLENGE THE CHARGES AGAIN THEY SAID I AGREE TO THE NEW CHARGES BUT I HAVE BEEN COMPLAINING MANY TIMES WITHOUT ANY RESULTS. I NEED HELP SO I CAN REVERSED THE CHARGES ON THE SERVICE I NEVER RECEIVED. 
THANK YOU VERY MUCH. 
XXXX XXXX.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MA)

I have a loan currently held by XXXX, who purchased the Loan from XXXX. My mortgage has never been late and is consistently paid XXXX months in advance, but the escrow is now in discrepancy for over {$1400.00}. Let it be known that insurance and taxes are figured into the monthly loan amount. 
XXXX bought the loan from XXXX taking it over in XXXX of this year. In early XXXX I received a check from XXXX for about {$240.00} for an overage in my escrow account. I did n't cash it because later that month I received a letter of demand from the town demanding payment for a year of unpaid property taxes ; there was an obvious error and I did not want to compound it. I got in touch with the town to confirm they had n't received the taxes and then contacted XXXX to resolve the issue. XXXX paid the town taxes. I then received a letter from XXXX stating that my escrow account has a shortage {$1200.00}. I contacted XXXX to dispute and was told that it was not their issue and I had to take the issue up with XXXX. I contacted XXXX and XXXX stated that they were not responsible because they had the loan serviced by Loancare for a short time, approximately a year. I am currently awaiting a response from Loancare. 
The facts are that I have faithfully kept my end of the deal and have also gone above and beyond by staying XXXX months ahead of scheduled payment. The XXXX variables, property tax rate and insurance premiums, have been audited on a regular basis and my mortgage payments were adjusted to keep pace. For this discrepancy to occur my taxes would have to have doubled over the course of a year, they have not. It is striking that the amount that is in discrepancy is the same amount as the property tax payments that were never received by the town. Loancare, XXXX and XXXX have taken no responsibility to make sure all funds, that I have worked for and provided, were properly accounted for, transferred or distributed as they serviced and transferred my loan between themselves. They are now trying to force me to financially compensate for their error/errors.
Consumer complaint received 2021-11-26
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$540.00} Date Opened : XX/XX/2002
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (CA)

I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX XXXX XXXX XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a XXXX % correct because the owner of the property was illegally billing my account. I have never missed a payment for XXXX years and I have established a great trust with these credit XXXX XXXX and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for XXXX
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: STERLING JEWELERS, INC. (TX)

phone call was made to me by " XXXX '' threatening jail time for an unpaid balance. A debt I do owe but not to this business. " XXXX. '' somehow got my credit report and used an outstanding balance to get money out of me and was successful to the tune of {$1500.00} on XXXX XXXX 2016. Satisfied the bill was paid I did not pursue the matter until a XXXX call came in stating I owed more money on XXXX XXXX 2016 ; I know I did not! When I asked for proof they hung up and I tried repeatedly to get ahold of them since and have been very unsuccessful. Can Consumer Financial Protection help me?