davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

This is my second attempt to solve problems with what my mortgage co is doing they are not answering my questions they are not telling the truth I have paid extra in my escrow and they have not applied the money there .They have sent me account information sheet that clearly shows payments not applied to my account .They have sent me transaction history which clearly shows payments not applied and the extra money i have with receipts shows I paid extra to escrow and they have not applied it per paper work they sent me on these months ; XXXX/XXXX/XXXXthey show I paid XXXX the check they receive from me was for XXXX XXXX/XXXX/XXXX shows on their paperwork payment received was XXXX my check was XXXX I show at least 30 payments that they have done this with They are not telling the truth and are stealing money from me and my account .There was a XXXX check written to Washington Mu. on XXXX/XXXX/XXXX it was not applied by them or chase check number XXXX they are not collecting the escrow a year at a time so I am short every time my taxes and insurance is due. but if you look how much they collect in a 12 months time there should be enough or a little short they collect escrow from XXXX to XXXX but pay the insurance in XXXX and taxes in XXXX and XXXX They are telling me I am XXXX short. For example they collected per them from XXXX to XXXX in XXXX XXXX and paid Taxes of XXXX plus insurance of XXXX XXXX so as you can see there was enough to cover the cost at no time have I had the money to cover taxes and insurance.but on XXXX/XXXX/XXXX i see where there is a minus on my loan for XXXX saying it is a restricted escrow disbursement on XXXX/XXXX/XXXX there is a restricted escrow refund of XXXX and also on XXXX ; XXXX a restricted escrow refund of XXXX also on XXXX/XXXX/XXXX there was a XXXX restricted escrow disbursement and XXXX/XXXX/XXXX there was a restricted escrow refund of XXXX have sent 2 requests for some one to tell me where these funds went they will not answer me .when they got the loan it was for XXXX per what they sent me but when we did the modification they have it listed at XXXX seems there is extra money on mod paper work and not the same on the account info also my loan from XXXX was a XXXX since chase bought Washington mu they should answer these questions my contract from Washington mu shows XXXX for principal and interest taxs XXXX and insurance of XXXX .total of XXXX as of XXXX/XXXX/XXXX no money has gone on principal and every month there was XXXX in curtailment no one will explain whyXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX payments were not applied on my account for mortgage on XXXX/XXXX/XXXX they have a loan maintenance charge of XXXX and XXXX theyn say its not there well on my cooy it is has it been removed
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NC)

To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following : 1. Improper approving my residential loan for gov't insurance and refinancing 2. Fraudulently submitting loan data regarding my loan # XXXX to XXXX that was false. 

3. Predatory lending by raising my rate over XXXX points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act 6. By breaking my XXXX XXXX XXXX of XXXX 7. By XXXX.
Consumer complaint received 2016-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (PA)

I am with a loan servicer for over 4 years, and I trust and like them. They are now switching me over to XXXX which is a subpar loan servicing company. I belong to many credit forums where we share credit tip and discuss products and anything credit related. This company is known for mishandling student loans, and has a XXXX star rating with the XXXX and my current loan servicer VSAC has almost a XXXX star rating. I find this to be terrible for myself and my future. I am told I have no recourse in which student loan servicer I have which makes no sense to me. I do not want my loans to be serviced by XXXX. Is there anything I can do to prevent my loans from being transferred?
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (SC)

EMC MORTGAGE LLC was assigned this Mortgage XX/XX/XXXX. EMC MORTGAGE XXXX, Charter was forfeited on XX/XX/XXXX was reinstated on XX/XX/XXXX EMC MORTGAGE LLC was not AUTHORIZED to conduct business in the State of XXXX. EMC MORTGAGE LLC, Charter was forfeited for XXXX tax code violations. EMC MORTGAGE LLC, fraudulently conducted an illegal assignment of Mortgage on XX/XX/XXXX. Take further notice EMC MORTGAGE LLC is not Registered in XXXX or IN XXXX to conduct business.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

I used a Credit Card for the car service XXXX. When a fraudulent charge was made on my account my credit card company called me and I closed the card, and a new one was sent to me. The card was closed on XXXX/XXXX/16. However, XXXX somehow allows charges to go through even on a closed card #. I had not been checking my statement as my card had been closed, and somehow {$320.00} over XXXX XXXX rides were fraudulently charged to my card. I have attached the statement that ended XXXX which shows XXXX charges in the days after the card was closed on XXXX with the largest being for {$130.00} ( that 's a long ride! ). I do not understand how I can continue to be charged by companies on a card that has been closed for fraud? When I contacted my CC company, they said they could n't do anything beyond closing the card, and so whoever stole my card information could continue to fraudulently use my closed card through XXXX at this time. I have attempted to contact XXXX, but they have been extremely slow, and did not stop my account. Essentially, I am powerless against continued fraud unless XXXX responds in a meaningful way. A closed card should be closed, charges to an account closed for fraud should not go through, and the consumer contacted to ensure legitimate charges be addressed. I will be able to resolve this through my credit card company. But I do not believe this is something that should be allowed to happen.
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (FL)

I had a hospital visit a few years back and I did not pay it. The account went into collections and in 2016 I settled the debt and paid XXXX services and the account was removed. A month ago, XXXX collection agency reported an account from XXXX XXXX XXXX XXXX from the same date of the original visit with a similar amount. I have contacted Aargon and requested a proof of debt and i have not received this yet, I aslo provided them with the confirmation of account satisfaction and they have yet to remove this account.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This dispute involves XXXX, Equifax, and XXXX. Each of the three agencies is erroneously reporting incorrect information. XXXX, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to XXXX. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia DDS and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX account and are severely inaccurate in reporting which in turn interferes with my credit.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MD)

My card was used by someone while I was not in the coun try ( USA ).    I have talked to the credit card company and send them copies of my Passport and Airline tickets showing that I was  not in the USA. A nd I have no idea who used my credit card and how? I have never used credit card and not paid in my whole life. Any body can check that.
Consumer complaint received 2015-10-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Client Services, Inc. (FL)

I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility.
Consumer complaint received 2017-04-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc. (PA)

on  XXXX   XXXX  through  XXXX  i saw that  Eastern Revenue in c removed an account of {$6000.00} from report. They changed the reopen date to  XXXX / XXXX /  XXXX   when it was orignated in  XXXX . a few days later they put it pack on my report  XXXX / XXXX /  XXXX  . i have not been in school for 7 years so they can not continue to report this account it must be removed.
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PR)

Transworld Systems Inc. is trying to collect a debt of {$840.00} on behalf of my insurance plan SSS. I have been with this insurance company for more than XXXX years now and they does not have any records about the referenced debt.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Hello, I received a targeted mailer in the mail ( See enclosed attached Pic # 1 ). I opened a Citigold Checking Account with that promotion ( See enclosed attached pic # 2 for promo disclosure ) for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing XXXX bill pays in 2 consecutive months. The promotion code was XXXX. I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account ( See enclosed attached pic # 3 ). The rep responding confirming that I have met the requirement in detail ( See enclosed attached Pic # 4 ) and said I will be getting my miles 90 days ( XXXX/XXXX/2016 ). After XXXX XXXX came and went, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles ( See enclosed attached Pic # XXXX ). I believe Citi should honor the promotion they promised, since I was targeted, confirmed with Citi that I will be receiving the miles, then did n't. This was a very frustrating and harrowing experience for me, and Citi should remedy this.
Consumer complaint received 2016-11-19
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: GREAT LAKES (OK)

My Federal Loan Servicer, Great Lakes Educational Loan Services ( GLELS ), created a new Unemployment Deferment form OMB No. XXXX ( Expires XXXX/XXXX/2018 ), which authorizes " them '' to contact me " only '' by cell phone on page XXXX of the form. I " only '' want to be contacted by GLELS through the U. S. Postal Service and I want my loans discharged according to the discharge clause in " our '' Master Promissory Note contract, where I was a victim of crimes by the University XXXX XXXX XXXX XXXX ( XXXX ) employees. 

I have asked that my Federal Student Loans be discharged due to the beating, discrimination, and fraud I suffered from employees at OUHSC. Therefore, I am registering a complaint about this form with the Honorable Senator XXXX XXXX ( XXXX ). Furthermore, I am writing President-Elect XXXX and President Obama about this matter requesting my student loans be discharged and those that committed crimes against me regarding this matter be immediately arrested.
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (GA)

I took out a title loan years ago for a vehicle that now has a bad engine. I told them that I could no longer afford to pay for something I 'm not in possession of. They requested a voluntary repo report or a payment. I informed them that as soon as the lien holder provides me with the documents, I would forward them to them. I asked them to stop calling & leaving voicemails multiple times. They have continuously called asking for a payment. After I told the office manager that they were harassing me & that I was going to file a complaint, he said " the store is closing anyway so do what you got ta do. '' I 'm now doing what I have to because this is ridiculous.
Consumer complaint received 2016-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (VA)

Submitted request for IBR. When contacting via phone to receive status I was placed in the call back queue with a promised call back that never occurred. Additionally, have sent email asking about status and indicting a response would be sent within 48 which never occurred.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CO)

Today on XX/XX/XXXX I had tried to log onto my chase account and I could n't. I called chase to see why my acsess had been restricted and I ca n't get one piece of information about my own account. Nobody will help me to find the reason why I do n't gave an account anymore. They wo n't let me get my money out so I can close the account. Nobody contacted me about the fraud or the account closing
Consumer complaint received 2017-03-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I am writing to dispute the following information in my file. 
Account Name : CHASE MTG Account # : XXXX Loan # : XXXX 1. XX/XX/XXXX report XXXX late payment 2. XX/XX/XXXX report XXXX late payment 3. XX/XX/XXXX report XXXX late payment I am requesting that the item be removed to correct the information. 
I have scheduled ACH payment of {$1700.00} that applied to my loan XX/XX/XXXX and pay all my payment in the from XX/XX/XXXX On XX/XX/XXXX XXXX add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 for XX/XX/XXXX payment they remove the escrow and pay XX/XX/XXXX of {$1700.00} 37 On XX/XX/XXXX the report XXXX late payment ask them to remove it ant is never append On XX/XX/XXXX, Again the add escrow account to my loan and payment increased from {$1700.00} 37 to {$2700.00} effective XX/XX/XXXX Called XXXX to remove the escrow from my account so I can pay back the {$1700.00} 37 This a have problem to remove.! and pay payment and on XX/XX/XXXX the payment increased up {$5500.00} after talk to the on the phone and to direct to my bank And wasting a lot a lot a lot of time I decide to pay full amount of the mortgage I called them asking for payoff amount they say they 're already send the payoff to a different company XXXX so I called XXXX to and I pay the Full amount of {$210000.00} and they close the loan. on XX/XX/XXXX, they are reporting XXXX and XXXX-day late payment on my credit effective on XX/XX/XXXX and XX/XX/XXXX Payment. called him and asked him to remove it after all the problems I 've been through they say they will and then they send this letter to contact the credit reporting agencies to explain the late payment to update your credit report On XX/XX/XXXX
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank Card # XXXX is showing on all XXXX bureaus. When speaking with the reps at Chase I have been given another name of a collections company. XXXX XXXX Credit. This account was opened in XXXX and should be removed from my credit report. I am not even sure this account belongs to me. The only Chase card I had was dismissed in a personal bankruptcy in XXXX. Chase kept selling the account. Collection companies uncovered during conversations with Chase and credit bureau reports. 1 XXXX 2.XXXX ( collections ) 3. XXXX. Non of these companies have contacted me in writing about this account. Acccording to the FCRA it should come off my report. Please help. 
Thank you XXXX XXXX
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

i did contact experian about XXXX/XXXX to dispute a inaqurate info they toll me first of course we will help you they start investigation no resolve i contact them agian why this item is not deleted from my file they toll me this item is gon removed they lie to me they never removed i call webbank to remove or else i will sue you they aggre they send me letter home i forward thet letter to experian is clear they did send electronic not to experian to remove inaqurate info still nothing i dont know what to do withe this idots they r very nasty people idots i did send them a prove and no resolt i nid help
Consumer complaint received 2016-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Texas Guaranteed (TX)

XXXX student loans in XX/XX/XXXX were taken out that had 6 month terms that were ironically XXXX loans totaling the exact same amounts as defaulted amounts on letters I received claiming I was in default for these amounts. The total amount = {$23000.00}. I never took out these loans because I was already 2 years graduated out of XXXX XXXX with my XXXX. Then after my student loan closed in XX/XX/XXXX, I find a new loan attached to my credit report for {$22000.00} with XXXX, is this the loans from XX/XX/XXXX, no doubt I believe so. How come TGSL ca n't provide me of details around my loan? I have a link of all my documentation around the deceptive activities going on with my student loan over the course of the last 30 years, of which I will sue XXXX for garnishing my wages over {$17000.00} for already for a loan that is n't even mine that they took out in my name. They should have guidelines to follow and be held accountable for deceptive trade. My loans never went into default they refinanced mine and then opened XXXX loans in my name to default me instead, and they need to stop doing this to people. XXXX XXXX Here 's the link to my supporting documentation : https : XXXX? usp=docslist_api
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MD)

On XXXX XXXX, XXXX I contacted Citibank XXXX to inquire about a closed credit card account I have been paying on. I have been on a special program under Citi since XXXX XXXX. At that time Citibank offered me a retiree on a fixed income ( which the bank has no respect towards ) a ludicrous settlement offer of paying {$170.00} a month. That was it! I started paying but later could not. Citi then offered me a plan ( which they could have at first ) of paying {$70.00} between XXXX XXXX to XXXX XXXX. In XXXX of XXXX another settlement arrangement was agreed where I had to pay {$70.00}. This still holds true today. 

In XXXX XXXX I requested an interest to settle the account, but was informed a settlement option was not available because the account is enrolled in a Balance in Full payment arrangement program. These programs are suppose to be offered at a discounted amount on the balance, but Citi has created their own policy and would rather dry your pocket of every cent.Fast forward to XXXX XXXX, XXXX inquiry about the account. I was informed that the account is 169 days past due. A closed account past due? The banking rep stated that the account though technically closed, really is no, t according to Citibank policy. No laughing matter but I see why Citi gets into trouble due to their malfeasant banking polices of " soaking '' as much money out of the consumer as they can!
Consumer complaint received 2016-07-27
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MI)

I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.