davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

Mailed a written request to Equifax to remove line items from Michigan XXXX XXXX and XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Equifax stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX in Michigan regarding this matter.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I sent an investigation/dispute to Equifax on XX/XX/XXXX regarding identity thief along with a police report and affidavit. they lost my police report, that was their first excuse on reply. On XX/XX/XXXX I sent a second request for investigation/dispute to Equifax, docs received. also between XXXX and now, I tried to follow up with their on line process and for my trouble, they kept putting me off and generated over XXXX confirmation numbers for me. they finally told me the ca confirmed and that was good enough for them. it took of 70 days for this to happen. I asked them is n't the definition of identity thief, they hung up on me.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

on XX/XX/2016 Equifax deleted accounts and inquires listed below and did n't notify me about adding them back on XX/XX/2016. 
1. XXXX account number XXXX Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification )
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I was discharged from a Chapter XXXX Bankruptcy in XX/XX/XXXX. Based upon feedback from my attorney and Chase Bank, I was advised that an audit would be complete by Chase Bank prior to my loan being released to normal servicing. As of today XX/XX/XXXX my loan has yet to be released to normal servicing, I have been unable to get a complete loan history of my payments because the loan still remains in a bankruptcy status and Chase Bank has stated that I appear to be behind XXXX mortgage payments. I have advised them on several telephone conversations that I would like to ensure that the payments were posted properly during the bankruptcy to and validate against payment made to the bank as I do not believe there should be any delinquent payments. Chase has provided each month that I called that it would be another 30 days for the audit to be complete with no real resolution to my problem.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I received a modification with Chase Mortgage and informed that upon completion of the modification Chase Mortgage would update my information to reflect up to date and no payments late. this will enable me to refinance my home, I have requested they correct the information at my credit to reflect the agreement however they have not complied with my request.
Consumer complaint received 2015-07-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

Lender not willing to postpone the scheduled sheriff sale despite having a complete short sale packet including a buyer. My family has gone through much hardship and we are trying to do the best in this unfortunate situation. The lender is not cooperating or being fair
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I receive Social Security XXXX benefits. I opened a prepaid Chase account and had my XXXX check sent to it. After poor telephone assistance, excessive miscellaneous fees and unacceptable terms I decided to close the account and sent my deposit to an alternative institution. I opened the account over the phone. But, when I called to close the account I was informed that the Issueing Agency, Social Security, had to close the account. I redirected my XXXX deposit. Four years later, XXXX sent a check to the account. Chase had not closed the account. Chase had continued to bill the account {$4.00} each month, despite the fact I ask them to close it. They took {$130.00} in fees. They refused to close the account until I got a XXXX Representative on the phone to confront the Chase representative that insisted the only way to close the account was by a XXXX representative. Chase gave me the run around before I conference called the Social Security representative in. They hung up on me many times. They would still be refusing to close the account had I not taken drastic measures. They would still be billing me just as I am sure they are still billing others. XXXX representative said SSA had closed the Chase service accounts years ago. Chase is committing fraud.I am sure I have the grounds for a class action lawsuit. I want My {$130.00} in fees that Chase stole from my XXXX benefit. during the period they continued to bill me they did not contact me to let meknow that I owed them fees. They did not contact me in any way. They held my personal information and continue to charge me and hold open an account in my name without my consent. After several attempts to close the account independently I resorted to waiting over an hour to conference a SSA representative in. This was exhausting and frustrating. I have been taken advantage of by Chase debit card services. They stole my money. They refused to close my account when I requested it. They refused to return my money they took for fraudulent fees.They are holding XXXX accounts open that should have been closed years ago. And they are still billing fees for nothing. I did not use this account for four years, yet they billed and billed but never sent me notice or an invoice. This Chase institution needs to be put out of business.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (TX)

I was notified by Chase bank in mid XX/XX/XXXX that they were closing all XXXX credit card accounts that I have with them. I called their customer service and even went to a local Chase branch, but got no clear answers on why my cards were closed. Customer Service is appallingly bad and useless. A few weeks prior I had reported to Chase that XXXX of my cards was used fraudulently for a balance transfer of {$3500.00}. I suspect this has something to do with why they closed my accounts, but again they do n't want to give me any details. My identity was stolen, it 's not my fault, but Chase seems to think I 'm some type of security risk. At this point I do n't care about the cards, but I told them I have outstanding balances I need to pay, in order to maintain my excellent credit score. They told me someone would get in contact with me but no one has and I can no longer login to the Chase website to pay my bills, but oddly I am still receiving email alerts that my bills are ready to view and pay. So their website design is just as bad as their customer service. Why am I still receiving these emails if I 've been banned from logging in to pay? I need Chase to MAIL my bills to me for all XXXX cards so I can pay my bills. ALSO, my Chase XXXX card has a {$95.00} annual fee that I just paid in XX/XX/XXXX. The card was canceled by Chase along with the other XXXX in XX/XX/XXXX, so Chase owes me {$95.00} for a card that I can not use. They need to send me a bill showing the {$95.00} credit, then I will pay my remaining balances and be done with Chase forever.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MD)

Chase does not put a Guide to Card Benefits on its website. I told Chase that I thought that was because they were trying to make it harder to claim card benefits and Chase did not contradict this claim. So I 'm asking that CFPB ask Chase why it does not post on its website a link to its Guide and, absent a compelling reason, order it to do so and initiate a rule making to force all credit card issuers to do so. 
My most recent correspondence with Chase is below. I have earlier emails, but they do n't fit in this block ( and do n't add much useful information ). 
Thanks, XXXX XXXXDate : XX/XX/2015 XXXXFrom : Chase Card ServicesSubject : Re : Account InquiryMessage : Dear XXXX XXXX , We consider your concerns to be one of the most integralparts of the improvement process. I certainly appreciatethe time you have taken to share these concerns. As aresult of comments such as yours, we gain more insight asto how well we are servicing our customers. Please beassured that I have forwarded your comments to theappropriate management for their review. 

The benefits of your card were sent to you when you openedthe account and any time there is a change or update youwill be notified of these changes. You can request themost current guide to benefits at any time by call thenumber on the back of your card or send a message throughthe Secure Message Center. 

If you need any other assistance, you can send us a securemessage. We appreciate your business and thank you forchoosing Chase. 

Sincerely, XXXXSenior Service SpecialistPhone : XXXX EXT. XXXXFax number : XXXXHours : Monday - Friday XXXX to XXXX Central TimeXXXXOriginal Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Thanks for your reply. 

Please pass this message on to your supervisor with arequest that he/she pass it on to the person who makes thedecision not to put the guide to benefits online. 

Please tell me WHY the Guide to Benefits is NOT online. 
Every other institution in the USA puts full info on theirwebsites. Why would n't Chase. Doing so would reduce yourcosts of mailing the Guide or answer questions like thisone. That leads to me to think of only one reason : It'seasier for Chase to deny benefits if customers do n't knowwhat benefits are due to us. If I 'm wrong about that, youwill have a persuasive reason. If I 'm right, then youwo n't admit it but I hope I will shame you to do the rightthing and post links to the PDFs of each Guide to Benefiton the page where we get our balances. Thanks for '' listening ''
Consumer complaint received 2016-07-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WI)

Chase mortgage co just canceled my approved mortgage modification for my FHA loan after I made two of the " trial '' payments on time and sent the signed acceptance forms back, overnight with signature delivery as my mortgage specialist told me to do. The envelope was postmarked by XXXX XXXX, 2016 and I provided Chase with the tracking number as I was told. 

I was informed that more documents were sent to me that need to be signed and returned ( after I just got an envelope with the modification approval and terms-including a letter describing that to accept this the terms were to make the tree trial payments on time ) and there were payment coupons included. To avoid any further delay as I asked if these forms could be made available online as I was traveling at the time the acceptance forms were sent and was told no, so I had to get another family member to stay with our XXXX Uncle and went back home earlier than planned to get documents that Chase sent to my home. Now-I see that the Chase website has the whole process available online including all the forms. 
So now, I find out after all this that as of XXXX XXXX, 2016 that the process has been " closed ''! I sent another secure email to try to resolve this and have n't heard back. 

Chase has given me nothing but the run around about this for months and I 've jumped through all their " hoops '' and had one more pmt to make XX/XX/XXXX to make the modification final. And, now they pull this. I have read that there are over XXXX complaints on the Consumer Affairs website about Chase doing this type of thing to its customers and now unfortunately, I will also be one ... 
Please help me, I am now in danger of losing my home! I got behind due to health issues in the family. My husband became XXXX and can not work and then I 've been traveling out of town to help family members care for a XXXX relative and Chase repays my loyalty as a longtime customer ( formerly in good standing as far as payments until about 6 months ago )!
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase is reporting my Mortgage as 90 Days Late in XXXX 2015 to both XXXX and XXXX. My mortgage was sold to XXXX XXXX on XXXX XXXX, 2015 - see attached Chase goodbye letter. I called Chase and spoke with six different people before getting someone in Escalations. I made my XXXX 2015 payment to XXXX and provided this proof to Chase and Chase continues to report data on my mortgage after the transfer date. The XXXX data was initially removed from the reports then was put back on the reports after I wrote them and stated if this doesnt get resolved I am filing a complaing with the CFPB.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CO)

I called Chase Auto Finance on XXXX XXXX, 2016 to get the payoff amount and to begin the process of purchasing my XXXX. The lease ended on XXXX XXXX, 2016. I was told that I needed to call back in 48 hours to get the final payment amount. I called back and was told the Lease End Vehicle Remarketing Department had not sent the payoff amount to the Lease Department. On XXXX XXXX, I called again and the Lease Department requested the payoff amount to be sent to them. The payoff amount I was quoted included a fee because I had requested the payoff after the end of the lease. This was not true as I had initially requested the payoff amount on XXXX XXXX. After working with a supervisor, they reduced the payoff amount so that I did not have to pay the late fee. On XXXX XXXX, the automatic monthly lease payment was taken out of my bank account. This was after I had requested the end of lease purchasing agreement and submitted the payoff amount. I called Chase Auto Finance and was given two different reasons as to why the monthly payment was taken out. First I was told that I needed to access my online lease account and cancel the monthly lease payments. I am concerned that Chase Auto Finance continued to take payments out of my bank account after the end of the lease. During a phone conversation with a supervisor on XXXX XXXX, I was told it is the responsibility of the consumer to cancel those payments on their end. I was never told that I needed to cancel the payments and can not find anything in the lease agreement directing me to do this. Next I was told that the Lease Department had not yet released the title to my car because the check I submitted to purchase the car was short. The check I sent Chase Auto Fiance was the amount that I was quoted by their Leasing Department and is documented in a letter e-mailed to me.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I have disputed the following accounts ID # XXXX, ID XXXX and ID XXXX numerous times with Equifax. I have contacted the alleged source as stated in the attached document at ( XXXX ) XXXX and the Courts stated that they did [ n ] ot give any information to the Consumer Reporting Agencies with respect to this matter and that the Consumer Reporting Agencies upload from a third XXXX public system called " Pacer ''. The account are [ n ] ot mine are damaging my credit and life. Please provide me with the method of verification as required under 611 ( a ) ( 7 ). I also request to see the original contract containing my signature that you have on file with respect to the above mentioned account ( s ) per Section 609 ( a ) ( 1 ) ( A ) of the FCRA. Your failure to accurately verify these accounts have devastated my credit score and my credit worthiness. Denial of this request violates Federal Law in addition to my Consumer rights. According to the FCRA all unverified accounts must be removes from my credit file if you can not provide proof of claim and or verification. If the alleged source has not reported any information pertaining to these accounts as the Data Furnisher, who has the authority to inaccurately report fraudulent information on my Consumer Credit Report????
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

I own a condo in XXXX, NJ that was my primary residence and is now rented for {$1300.00} a month. Last year, there was a period of time where I lost my renter and had to make repairs to the property and I was unable to afford the mortgage payment. I then received " streamline '' modification documents from Seterus. I met the probationary period making monthly payments of approximately {$1300.00} for three months. I was then sent the final modification documents to sign however in the interim I received a letter from the escrow department stating that my escrow was incorrect and that they would send me a letter with the new amount. I received the letter from the escrow department and it would have reduced my payment to the probationary amount of approximately {$1300.00} rather than {$1400.00} as indicated on the documents. I kindly asked for new modification documents reflecting the corrected escrow amount as that was in line with what I could afford and being they made a mistake I wanted accurate loan documents. This began in XXXX. After numerous phone calls and their recommendation to just sign the documents even though the amount was incorrect. As recent as this week, I spoke to someone stating they would look into it and put in a request for updated documents and they would get back to me. I have never gotten a response. On XXXX XXXX, I was served with foreclosure papers. I am only trying to have accurate loan documents reflecting the payment with the correct escrow amount that they had originally calculated incorrectly. But as is typical with large financial institutions, the right hand does not communicate with the left. I do not have money to get a lawyer and I just want to fix the situation but they said there is nothing I can do but try to reapply for a new modification which I am completing for form today on XXXX. I feel that it is wrong to recommend a borrower to sign documents that they know are incorrect. Also when I make calls I have gotten different answers from different representatives. There was no consistency. I greatly appreciate any assistance you can offer in helping me rectify this situation as I do want to keep the property. I am in XXXX, a XXXX, so I am not nave to the process, however I think the OCC would criticize us if we did n't have correct documents and the Bank recommended the consumer to just sign the documents knowing the payment is incorrect.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NH)

Some time ago someone at a Creditor entered my name as XXXX XXXX XXXX vice XXXX XXXX XXXX an obvious typo. Also reported an Employer as XXXX XXXX, vice XXXX XXXX. Again a typo by someone doing data entry. For years I have received credit offers to XXXX XXXX XXXX. Tried of it and would like my Equifax Report corrected. I have contacted XXXX and they have corrected via their process. Hoping this works.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, has had a account on my Equifax credit file too long. I filed Chapter XXXX Bankruptcy in XXXX 2008 and informed the court of all my present accs at that time, XXXX never responded to be added to the claim but years later reported to the credit bureaus that I still owed them. I decided to pay the amount anyway but they refuse to remove info from my credit file. I have reported this to the credit bureaus and still no help.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

XXXX XXXX is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I ca n't get any information from Equifax , I do not know what is ask of me. inreferrecne to XXXX accounts supposedly I open, problem is I have no acknowledge of these. there fore am not allowed any information. ca n't prove this me. I called and the same,. I have never been able to get a report from this company since 2012 for the same resons. I never bothered to look into this matter. but now on my credit report there are showing an incorrect information that is affecting my score.
Consumer complaint received 2022-07-05
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 ()

On XX/XX/2022, I received a notification message that, my PayPal Account is limited permanently, I have contacted the responsible company to resolve the issue to me, but up to now no feedback received on my end.