davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Rubin & Rothman, LLC (PA)

In XXXX XXXX, I moved XXXX continued to find employment and made minimal payments, but got to a point on no money and called XXXX to notify of hardship. I called every month and they ensured I was fine, and I was sent to collections. After a few months, I got a temp job and was working with a XXXX credit attorney and made monthly payments, after a year I was unemployed, called to notify Attorney, and was told to call next month, I did this for 5 months, then the person I was working with left the company, got a new representative, they never called me back, called the office and left messages and later found out the office closed. I called XXXX recovery dept, they said I had to wait to hear from new credit attorney and that XXXX could not help me. During this time I have moved, and assume the the XXXX attorney XXXX update my information to XXXX. No one sent me a letter of called my phone, XXXX XXXX I moved XXXX and XXXX XXXX I get a bank Levy. My bank gives me the contact information to a XXXX court representative and I was told to speak with the Credit attorney about the Levy, I call XXXX and XXXX of XXXX XXXX, and speak with XXXX. She asks me why I never responded to the letters, and I said I never received letters and that I moved, she got my current address XXXX and realized I was out of state and said she had to close the file and the Levy will be released. I asked her who I can speak with to get this debt paid, and set up for a payment plan, she said she did n't know and that I will have to wait to be contacted again. I wait for the XXXX to be reversed, but it does n't happed. I was told by his office worker organ that, XXXX XXXX of XXXX court says that it should n't matter that I am out of state and that I need to speak with XXXX and XXXX again. I call them and they say my file is closed and they are waiting to hear from XXXX, I have updated all my information with everyone so that I can make sure someone will call. I tell them they levied my husbands ' unemployment, XXXX tells them to take the money and it will be used as a payment towards my debt, and I feel they did n't give me a chance especially since they had an address that I lived at 4.5 years ago. I was n't trying to hide from my Debt, because I am currently paying off my student loan, and now have a steady job to set up a payment plan. I felt I was forced to just allow that money to be taken when I was trying to get the situation resolved. XXXX wont even speak to me and keeps telling to speak to their credit attorney and I have to wait to speak to someone. XXXX and XXXX said the Levy will be reversed because I was out of XXXX, and The XXXX court XXXX XXXX, did not listen to them to reverse it and told XXXX and XXXX, that me living out of state should be an issue. I was speaking with each party and even updated my information with each party to ensure they had my correct information. I hope you can help me.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

there are XXXX issues with my bank account at chase bank. the first is from XXXX 2014 that I want to bring up. I was traveling to XXXX and requested XXXX currency to take with me. I asked about any fees with that the currency transaction and they said " no ''. I asked more than once. later after I received the money I found out they use a lower transaction rate ( a fee in effect that was very high ). I tried multiple times to return the money as I was misled and they said they could not do that. I feel that this was a very misleading practice from chase - saying there was no fee when there really was in the form of a lower rate. I was going to let that go ( obviously I did not file anything with the cfpb ; I did complain to chase and they did nothing ) but recently there was another troubling issue so I thought I would it add it as well. the most recent issue occurred in the last couple of months. all of sudden the address on my account changed - to an address I used over 10 years ago! ( and to add ... I had closed all my account back then and left chase when I moved away - then when I moved back I opened a new account about 3 years ago. ) I found out when I went in the local branch and they asked me to verify my address. I gave them my current address and the one before that and they said both were wrong. finally they told what address was in there and I was very perplexed as to how that could happen - that a 10 year old address would be there. they said they would look into it and email me ( they wrote down my email ) or call me. I never heard a word form them ( including the manager who was there and said she would handle it ) so i wrote to chase online to try to get answers. so, I have asked about it and no one will give me an answer. when I sent an on line message to get answers they say they will only call - not document anything - and they said they tried to call me but said the number they tried was no longer in service. I checked my chase profile and my correct phone number is in there. anyway, I am very concerned that they would just change my address for no reason on an old account - what else could be changed that I am unaware of?? the old address was also used by my ex wife so i 'm not sure if she had access to any of my acocunt. it 's very scary and upsetting. I 'd like to know what happened and how they are going to ensure it does not happen again. thank you.
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I borrowed money from XXXX XXXX to attend college and for about 6 months I 've been trying to have my payment lowered since neither my co-signer or I can afford them. They offered me XXXX paths : to lower my interest rate or extend the loan life. They said I would have a hard time qualifying for either since my loan was unfer 30,000 and under 9 years long. The first time I called in, they said since my account was current, they could n't do it until I had a payment due. Then I called back in the next month and they had raised my interest rate! If I did lower my interest rate, it would just take me bqack down to my original payments, which I could n't afford! So they got all of my information, income records from both myself and cosigner, and they tried to lower my interest rate AND extend the life of my loan, but said I had to wait to see if I was approved but they needed to set up automatic payments in case I was. Then my cosigner called in and they said they had enrolled me but I had missed a payment. I had set up automatic payments and they NEVER debited my account. 

They are a bunch of liars who NEVER follow through and when they see that you are trying to pursue lowering your payment, they hike your interest rate up.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (GA)

On XXXX XXXX, I went to studentloans.gov to consolidate my loan. XXXX XXXX has already submitted the XXXX to XXXX and that loan has been consolidated. However, ACS Education is refusing to provide the XXXX ; therefore delaying the consolidation. It is supposed to take 30 days, and it has been way longer than that. This consolidation is necessary as it affects my debt to income ratio for qualifying for a mortgage. I am unable to get approved for a mortgage until they do. Is there anything that you can do to help me expedite this request.
Consumer complaint received 2015-05-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

Attached is a letter I sent to Chase Bank 's corporate offices describing our current financial situation. We have been dealing with a series of fraudulent activities and Chase Bank has neglected to handle our situation with care and attention, let alone assume any responsibility for their lack of security protocol. We requested an explanation in writing from Chase in regards to the investigation we were told was being done, and were denied in addition to being told they also denied our claim to replace the money that we have lost.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX XXXX XXXX made an unauthorized charge to my Chase credit card in the amount of {$680.00}. I disputed the charge immediately, in writing, to Chase who has refused to remove the charge and further, has refused and, continues to refuse to conduct a competent investigation into the charges. Relying on form letters and form denials and, refusing to provide COMPLETE copies of documentation it says it received from XXXX XXXX that allegedly support the fraudulent charges. I have since paid the charge including {$40.00} charged by Chase in interest fees. Chase has done nothing but threaten to ruin my credit. XXXX XXXX has done absolutely nothing to assist in the investigation or to provide a competent explanation for the charges.
Consumer complaint received 2016-09-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank 's " Total Checking '' - the most basic account, is terrible. They do not even offer free checks, at any time. Worst of all, if you want to go the next step up, " Premier Plus, '' you have to have either {$15000.00} or a Chase Mortgage ( unless you pay a {$25.00} a month service fee ). There is nothing in-between. Account types are here : XXXX
Consumer complaint received 2015-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CT)

Upon logging in to my Chase online account I was presented with an advertisement that violates Section AA and the Federal Trade Commission Act by constituting an "unfair, deceptive, and abusive act or practice" (a.k.a UDAAP).  In addition, a nearly identical ad with the same UDAAP violation appears at this link XXXX Specifically, footnote XXXX of the advertisement states that "If...the checking...account is closed within six months after opening, the bonus you received for that account will be deducted at closing."  However, footnote XXXX in the ad only appears once with respect to the Savings account.  Therefore, someone only interested in opening a checking account would have no reason to read it, and might therefore unknowingly forfeit his/her bonus for the checking account upon closing it within six months.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NY)

I was the victim of a robbery. That robbery lead to identity theft. That identity theft lead to temporary loss of access to funds. That lead to the temporary ability to pay by bills in a timely fashion as I normally had. That lead to one ( 1 ) negative credit reporting occurrence from Chase. The payment wad made as soon as it was humanly possible to do so. The same incident involved another credit card company and they were understanding and sympathetic enough to remove the negative credit reporting they had done. They understood the situation. I can provide the letter if you wish. I can also sign up for automatic payments or pay the balance ahead if that makes it better for you. Thank you.
Consumer complaint received 2016-03-24
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (OH)

well ... lets see ... ... maybe we should start with there name or entity ... .the entity is the servicer ... ..which can change or be sold ... to many times in the life of the loan ... ..its very tricky to follow all there instruments they file with the recorders ... office ... most inturments are fraud and the enity is clueless to what is the truth of the original note.but they try really hard to figure it out .the home owner will pay thousands of dollars that will never get credited to the loan, they call theses fee s late fees drive by fees ... .the list is endless ... .the public can try to have them give them freedom of information FOLA .BUT GOOD LUCK.i wish I lived in a nuther state then there might be help .do n't ask for help because the gov. will put you on there merrygoround, and you get passed from one robot to the next.now you can chose to pay for help .but that 's just throwing more money away.dont contact anyone in the state while it is election time.i just want one simply question answered..honestly .this does not happen ..I think that a mogtgage servicer with any loan taken out from XXXX to XXXX its inevitable you will be renting and at the mercy of who ever is the servicer by the mad up rules.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

I never gave authorization for an adjustable rate mortgage. Never even signed any documentation for it. My loan provider, which is now XXXX, confirmed that I have an A.R.M. I was told by an XXXX agent, that i may have been a victim of predatory lending and that if i did not sign any documentation for an A.R.M., than documents could have been falsified.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I went to the bank and made a cash withdrawal from my checking account. After I left the counter, I decided I did not need the total amount, so I stopped at the ATM and made a cash deposit of {$500.00}. The following day, I saw that the deposit had not been credited to my account and I made a complaint to the bank. They told me {$40.00} had been credited to my ATM card and they had no record of the rest of the deposit. I filed a dispute. The bank said they investigated and there was no error on the ATM machine. They have refused to tell me the basis for their decision and will not review the videotape which would show me making the deposit.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NJ)

I applied for the Chase British Airways Visa Signature Credit Card and it was declined to me on the basis that I have earned Cardmember Bonus on this card in the past 12 months. I have never owned this product. Chase sent me the letter declining the card and no where in the letter left a number where I can call to get more information
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2013 around XXXX in California time I was at a shopping mall trying on some clothes when I received an email alert on my mobile phone stating that a {$200.00} withdraw was made from my chase debit account. So I checked my purse and my debit was still in my possession while a withdraw was made. I called the bank to complain about the matter and they turned me down twice even though I had supporting receipts stating that I was using my debit card in a city no where near where the atm withdraw was made.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

On XXXX XXXX, 2016 I cancelled XXXX XXXX homeowner 's insurance and contracted with XXXX XXXX for homeowners as it was much cheaper. On XXXX XXXX the XXXX policy went into Effect. Ditech my mortgage company paid {$740.00} to XXXX XXXX without a policy being in effect on XXXX XXXX and XXXX XXXX cashed the check knowing it was cancelled. Then Ditch paid XXXX {$500.00} shorting my escrow account. So they paid XXXX homeowners insurances. I told them not to pay XXXX XXXX verbally and they paid them anyway knowing I had XXXX insurance. I have been in contact with the NC Dept of Insurance, The NC Banking Commission, The XXXX and with XXXX XXXX at XXXX XXXX XXXX on your side. I have filed complaints with all of these agencies. I have placed a phone call to XXXX XXXX, XXXX of Ditech Financial, LLC with no return call back. They have charged late fees, threatened to ruin my credit, said I owe them {$1100.00}. My payment was {$570.00} and is paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But they have stolen my money and have taken it from my payments and charged exorbitant interest rates, hardly put anything on the principal and they sent me a check for {$520.00} which is in error and I have not cashed this check. These people are total XXXX. This is simple math, their error. All I did was change insurance companies and they have totally mishandled my account and have not rectified it yet. I want them to be prosecuted to the fullest extent of the law and put out of business as they are not competent to handle money. I have talked with their customer reps and supervisors to no avail thus I have filed numerous complaints hoping someone can resolve this for me. The laws need to be changed because Ditech should not have been able to pay XXXX homeowners policies when I had cancelled XXXX. Please help me. I am XXXX and have this mortgage and they are causing me so much XXXX and I have a XXXX XXXX. Please get these XXXX to fix my account.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My loan servicing company, Ditech, undertook a process which is described on their voicemail system as a " system upgrade '' that was to run from " XXXX XXXX, 2016 through XXXX XXXX, 2016. During that time, they explained on the telephone and on their recorded messages that no account information would be available and they were sorry for the inconvenience. Also during that time, my re-finance escrow closed and full final payment was transferred to Ditech per their instructions. Today, XXXX XXXX, 2016 when I log on via the internet and call customer service they are still unable " to see any information about this account other than the balance '' which they are still showing as if it had not been paid off. The recorded information actually says that my monthly payment that would have been on XXXX XXXX, 2016 had I not paid this debt off, is due. WHAT?! Additionally, they can not tell me anything about my impound account which should have had over {$3600.00} for a property tax payment due on XXXX XXXX, 2016. They can not tell me anything - if the tax has been paid or if it is being refunded to me. Basically, for over 14 days, they continue to hold my money while they earn on it, no doubt, and using the excuse of a " system upgrade '' can not give me any information or refund me my own money?!! How much longer will they be allowed to hold other people 's money and provide NO information about customer 's accounts? My account number is XXXX
Consumer complaint received 2015-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (HI)

I received a letter from Greentree servicing LLC that my Hurricane insurance had not been paid and they were going to place their own expensive insuranceon my bill. I checked with the insurance company XXXX and XXXX and they both said it had been paid and it was current. I called Greentree several times and wrote them letters as to who they could contact to confirm this. They were uncooperative. They just sent me a letter stating that the evidence now shows that the insurance was reinstated. It was never cancelled. This was an attempt by them to extort money from me. XXXX could n't understand why they did n't contact them.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. ACCOUNT IS CLOSED AND PAID OFF. BURUEA DOES NOT UPDATE THE REPORT. LETTER IS NOTARIZED AND SENT CERTIFIED MAIL FOR COURT PROCEEDINGS.
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

Everything started between XXXX and XXXX. We bought the house in XXXX XXXX. We paid for an inspector to come out and inspect the home. He said everything looked to be good. He said the previous water damage has been fixed and it was not. He lied to us about the whole thing. When we called the housing inspector he said he was bonded and licensed so we called the insurance company that he had and we were getting the run around. We hired an attorney and he proceeded to file the correct documentation. He filed a lawsuit against the gentleman and his insurance company. The gentleman had documentation he was covered under the insurance. When our attorney turned in our documentation showing the inspector had insurance the inspector said he did not have insurance when he inspected our house. When that happened the insurance company denied the claim. When he did that he also filled bankruptcy, we were not allowed proceed any further because the claim was denied by the insurance company. We could not sue the inspector because he filed for bankruptcy. 
At that time I continued to call my current mortgage company, XXXX and explain the situation. They told me I would need to pay 20 % of the home value to be able to have the PMI dropped. I explained I could not do that because I did not have the funds for the PMI to be dropped so we could fix our house correctly. They told me, that there was nothing they could do until I paid the 20 %. And the mortgage was transferred to a different company. Every time we requested to have the PMI taken off we were transferred to a different mortgage company. Each time it was changed I proceeded to call the company multiple times and they would tell us there is nothing they could do for us. It has gone on until today. I believe this is now the XXXX mortgage company in 9 years. I have paid my 20 % on my loan. And still to this day they still have not dropped the PMI. I am still paying over {$820.00} a month on a mortgage loan of {$74000.00} with the PMI at {$260.00}. My mortgage is paid down to a balance around XXXX when I paid a lump sum of {$6000.00} in XXXX to bring my mortgage down to the 75-80 % mark to be able to drop the PMI. My mortgage is down to about the 70-71 % mark now. And I have paid about {$8000.00} now on my PMI. And we have never been late on a payment.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC (WI)

They call every day and threaten to call my employer 's payroll department and take legal action or serve me with papers. they call my cell phone and/or work phone. They do not identify the debt nor Have I ever worked with this company before. I did not receive any written notification in the mail from them with information on this debt they claim I owe. 

They also call my mothers house every day on her home phone and tell her she has a bad check and needs to pay or they will serve her with legal action. My mother does not even write checks except for her rent/electric. She has not bounced a check in 10 years or more probably. We do everything online. 

I currently live with my mother but never list her home phone on anything.