davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I filed an Qualified Written RESPA request for information with my servicer on XXXX XXXX, 2015. They completely ignored it. Then, after waiting for a while and receiving no acknowledgment, I filed an complaint with you and re-send the RESPA request to BSI Financials on XXXX XXXX, 2015. This time, because i file a complaint with you, I did get a response. However, the response was not complete and did not contain important information material to the review of my loan. In their response, XXXX XXXX, a BSI financial complaint resolution specialties, writes that she finds my request " overboard or unduly burdensome ''. Interesting choice of words since, the RESPA GUIDELINES are quite clear about what information can be requested and that the Servicer must comply with the request. The RESPA guideline do not say that a Loan servicer or Lender can pick and choose what information to provide and what is burdensome and therefore can be skipped. I strongly demand that they compl with RESPA guidelines and provide complete information as per my qualified written request. If they do not have proper documentation for this loan they should forfeit the rights to foreclose on the property. 

In addition, They have been using wrong name on all correspondence, notice of default and notice of sale. My name Is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX. Law requires that all notices including but not limited to Notice of default and notice of sale must be corrected and issued again. Or, please provide documents showing how any why it was necessary to issue notices to wrong name and thus wrong person. According to the California 's NON-JUDICIAL foreclosure law, all information contained in the foreclosure communication or notice is must me truthful and correct. Notices containing untruthful information such as wrong name and addressed to the wrong person are null and void. 

Please understand they are trying to foreclose on my family home without proper documents, process and with untruthful information. Their assertion that my request causes unduly burden on their institution, is insensitive, disrespectful and most importantly points to a fraud. I respectfully demand that they Immidialaty dismiss all foreclosure activities. follow the California 's NON-JUDICIAL foreclosure law and comply with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).
Consumer complaint received 2016-02-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

I am reaching out to you in regards to the same complaint I filed back in XXXX 2015, Case number XXXX in regards to BSI Financial. Despite my contacting your agency, I still have no resolution to the issues that began with this company, falsely reporting to the credit bureaus for late payments which are not late. I have repeatedly attempted to talk with anyone in this organization regarding an explaination of the random bills being sent to me as well as threats to foreclose on my mortgage while the entire time I am making my payments by the end of the month and have every month and this company is cashing my checks. Just last week I received a bill claiming I owe them XXXX and three days later a reminder that I owe them XXXX. Nevertheless, this false reporting has cost me the ability to refinance my home due to XXXX lates on credit report and as of today, XXXX XXXX, I have not received a valid explaination as to what is going on with my money. XXXX person tells me my mortgage was short XXXX on a XXXX payment and the next tells me I missed an entire payment when I have in hand every cancelled check paid by them. In their system, I was told by loss mitigation, that a payment for XXXX 2015 was missed and that they had the exact amount of the check that was cashed had a negative mark next to it. I have the cancelled check for this as well as bank statement, all of which I have provided and still they come up with no answers. Each new person I talk to refers me to someone else who cant explain. In the meantime, I have missed three days of work with all of the paperwork and research time and I still have no resolution and am heading into financial disaster due to barely keeping up with this high mortgage payment. Will someone please investigate these people. 

At wits end!!! 
XXXX XXXX
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX is a collection account that was reporting to all XXXX bureaus and when I disputed the account and requested documentation, XXXX XXXX XXXX claimed they sent the debt back to the hospital and requested for it to be removed from all XXXX bureaus. However its still reporting on Equifax credit file and I 've disputed this account on number occasions. XXXX XXXX XXXX states they have already requested for it to be removed and Equifax has not removed it.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

I discovered unauthorized, fraudulent transactions made via XXXX in my JP Morgan Chase Bank XXXX XXXX Credit Card statements. I contacted XXXX and requested information about the vendors, however XXXX refused to provide any information about the vendors, informed me that transactions were made online through XXXX accounts linked with my credit card and recommended that I contact my credit card company for chargebacks and further information about said transactions. Furthermore, XXXX also refused to provide me with information about XXXX accounts with which my credit card was linked and referred me for such information to JP Morgan Chase. 
I thereafter reported all fraudulent transactions to JP Morgan Chase and disputed all fraudulent charges. 
I also filed a police report about Identity Fraud and these fraudulent XXXX transactions on my Credit Card. 
Initially, JP Morgan Chase credited back all fraudulent charges into my account. However, a few weeks later, JP Morgan Chase reversed all credited transactions, despite that these transactions were done fraudulently and without my consent, authorization or knowledge. 
Instead of protecting my interests and investigating the fraudulent transactions, JP Morgan Chase just referred to my police report in which I alleged that all unauthorized transactions are suspected to have been made by my former employee, whose employment was terminated from my office. 
Instead of providing me with any XXXX and vendors ' contests of my request for chargebacks and any supporting evidence about the validity of said transactions, Chase just concluded that transactions are not fraudulent from the Chase 's point of view because the suspected person of theft of my identity and credit card fraud could be my former employee. From the Chase 's point of view, transactions are only recognized as fraudulent if they are made by strangers. 
I called several times to supervisors of JP Morgan Chase Bank Fraud department and left numerous voice messages attempting to resolve my disputes, however, my calls were not returned. 
More than three months have elapsed from the date when I reported all these fraudulent transactions, however, to date, Chase has not responded accordingly to the seriousness of this issue, nor has Chase assisted me in any way to resolve the matter. 
In fact, I have never received any correspondence from Chase pertaining to my dispute of fraudulent charges and its investigation. 
I respectfully insist that all fraudulent transactions be removed from my account and the payments made on such transactions be credited immediately back into my Chase account. Alternatively, if Chase is still investigating the matter, I insist that payments and interest related to the fraudulent activity be frozen until such time as the matter is resolved.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (CA)

Chase Card are reporting inaccurate information on my credit report, Payment responsibility as Authorized user, Status of the Account Late over 120 days, Account Delinquent 180 days past due, Past due Balance {$830.00}, no DISPUTE Status after Disputed, etc. The account has been Charged Off on 2010. 
They do n't want to DELETE the trade line.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I was scammed by a person offering work as a private driver, the person sent me a check for my name, I deposited in my account and the next day was the money in my checking account. I withdraw the cash the next day having deposited the check, and made a cash deposit money gram. 6 days after I check my bank account and I get $ XXXX. I check and he says the check was returned. I went to the bank to see what has happened and the only thing they told me is that the check was fake. The problem is that my bank charge me a fake check which they should have checked before giving money, because if the bank checks before the check is false and sees none of this would have happened.I help me see that I can do with the bank. What steps to take. Since I made the police report and I nummero report. Prompt response and hope to have the urgency I run out of money. Thank you.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, 2016 I notified XXXX XXXX that I was revoking their authorization to charge my debit card. On this same day I notified Chase that I had revoked the rights of XXXX XXXX to charge my card. I was told that all I had to do was replace my current card. Which I had done on XXXX XXXX, 2016 due to the card not being read anymore by card readers. I did what I was supposed to do but then on XXXX XXXX, 2016 XXXX XXXX charged my card {$160.00}. Dispite the fact that I was told this could n't happen it did. I called immediately and filed a dispute and was told that I do n't have any grounds because it was my obligation to pay. However it is not the banks job to tell me what my obligation was. This is a matter for civil court and if XXXX XXXX wants the money that is we 're this should be. Chase should not be involved. When I called XXXX I notified them that the line was being recorded so I have this all on recording. On XXXX XXXX, 2016 when I spoke with the supervisor at Chase I notified him that this line was being recorded and he stated he did n't agree but never asked me to disconnect the line. During this conversation I asked for the supervisors manager to call me back. She did at XXXX on XXXX XXXX, 2016. I argued with her and was told that XXXX XXXX pays XXXX money to allow this type of transaction to occur. I notified her that XXXX is not my bank and Chase was and I did not give any authorization to this illegal and immoral activity. Either Chase permanently refunds this money or they are comitting fraud along with XXXX XXXX.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CO)

Chase is illegally re-aging a paid and settled charge off. I have received a XXXX and paid this debt in settlement. The debt is outdated and should have been removed from my credit bureau but it appears on my credit bureau as it has been illegally re-aged. 
They have also added the account more than once on my credit bureau 's stating it is unpaid and it has a balance.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX, I upgraded my Chase Sapphire Preferred card to Chase Sapphire Reserve card. 

One of their big advertising benefits was that you get an annual {$300.00} travel credit to use on most travel purchases every annual calendar year. 

As soon as I receive the card I spent {$300.00} booking flights for my family. The purchases were made XX/XX/XXXX. I received the {$300.00} travel credit to my account even before my first statement closing date. 

I received the first statement on XX/XX/XXXX. 

I emailed Chase customer service to verify that I did all the {$300.00} annual spending properly for XX/XX/XXXX and to confirm that any spending I did during XX/XX/XXXX calendar year will go towards the XX/XX/XXXX {$300.00} credit. 

They replied that was correct that any spending I did after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 

On XX/XX/XXXX, I made more travel purchases that was over {$700.00} and was expecting {$300.00} of the annual credit back from the Chase Sapphire Reserve card. 

However, the credits never came. 

I emailed Chase again and they reconfirmed that any travel spending after XX/XX/XXXX will count for the XX/XX/XXXX {$300.00}. 

When I called for the {$300.00} credit for the XX/XX/XXXX purchase, I was told by phone customer service agent that I had already spent my XX/XX/XXXX {$300.00} credit. 

He told me that the spending I did XX/XX/XXXX counted as the XX/XX/XXXX credit because my Chase Sapphire PREFERRED card statement closed on XX/XX/XXXX and anything after that was counted as XX/XX/XXXX. 

I told the rep that there must be some kind of mistake because I did not have a Chase Sapphire RESERVE card until XX/XX/XXXX and I did not receive my first statement for the RESERVE card until XX/XX/XXXX. The XX/XX/XXXX statement was for the PREFERRED card, therefore, it should be irrelevant. 

I then spoke to the supervisor who said that there was nothing she could do because their system counts XX/XX/XXXX purchase as XX/XX/XXXX. 

As a long time customer of Chase, I was extremely disappointed by their lack of assistance. Even their terms and conditions state that the {$300.00} annual credit is good till the first statement XX/XX/XXXX, which technically was XX/XX/XXXX and not XX/XX/XXXX as they claim. I also have MULTIPLE email correspondence from other Chase customer service agents saying that any spending I do after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 
I would like Chase to honor their terms and conditions, and the promises made by their email customer service agents, by crediting me the {$300.00} XXXX credit to my account.
Consumer complaint received 2016-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Webcollex, LLC (CA)

I received a phone call ( on my cell phone ) stating they wanted to serve me with papers and were confirming my address. They acted as if they were a process server. They then called from the same number XXXX XXXX XXXX XXXX and stated they were a debt collect via leaving a message on my voicemail. They told me to call back XXXX. They stated they were with CKS Financial. I believe they use a fake local number so that I would answer their call. I do n't owe them any money and they should n't be calling me.
Consumer complaint received 2017-02-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe (FL)

I borrowed {$1200.00}. to help with funeral expenses for my mother. I was not informed of the 600 % plus interest rate on the loan. To date they have deducted {$2100.00} from my account and seek a repayment amount of {$7200.00} on a {$1200.00} loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I was emailed a disclosure to sign and that my signature would transfer to the loan agreement upon signing. I was able view the agreement with my signature after the funds were in my acct. I 've attempted to pay the full balance but was quoted an even larger immediate payoff than discussed. I later discovered that Myloansite.com is an affiliate of Dakota which operates its website at [ myloansite.com ]. Dakota 's lists its contact information as : MyLoanSite.com XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : XXXX Email : XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CA)

I have just graduated from my university on XXXX/XXXX/XXXX. Great Lakes says that I will begin repayment on XXXX XXXX, XXXX. I believe that I am entitled to a grace period that would make my payments not due until XX/XX/XXXX. The representative whom I spoke with today stated that there is only XXXX grace period over the life of the loan. The information that I have read online leads me to believe that this is not the case. I will be happy to start making my payments in XXXX, but am not willing to skip my grace period, to which I am entitled.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

My wife and I purchased a home in XXXX of XXXX. We put 5 % down so we had to get Mortgage Insurance. This XXXX XXXX I was able to pay the principal down to 80 % of the purchase price. I called to get the PMI removed. I was told by a Chase representative that I would have to pay for an appraisal ( approx {$450.00} ) to get it removed. She also said that if I paid it down to 78 % it would be automatically removed by the computer. I did that and paid it down to under 78 % loan to value on XXXX XXXX. I called back and they concurred that I had paid down the principle to under 78 % but a different representative said I would still need an appraisal to prove the property had n't dropped in value. However according to the law all PMI should be removed once 78 % of the original purchase price is reached. I spoke to my mortgage broker who obtained me the loan through Chase and he said that they are breaking the law. I have since been charged XXXX additional payments of {$170.00} for my mortgage insurance since I have paid it down to 78 %. I want Chase to refund these payments to me and take off the PMI on my property. I have recently applied for HELOC and I have obtained a copy of the appraisal done by XXXX. I have attached that as well. It shows my property appraising at {$40000.00} more than the original purchase price in XXXX. This is ridiculous that they are holding me hostage on this PMI and still charging me for it.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (PA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CALLING ME IMMEDIATELY!
Consumer complaint received 2016-05-25
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ditech Financial LLC (TX)

Ditech Sent the Complainants a Fraudulent Foreclosure Notice Complainants lodged routine inquiries about late charges and HAMP program performance irregularities with Ditech. Instead of responding subtantively, Ditech retaliated in a hostile manner and threatened the Complainants with foreclosure. 
Complaints received a certified letter on XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ) that was styled as " Texas Notice of Default and Right to Cure. '' The notice purports Complainants are two months behind on their lien payment. In fact, on the day this letter was mailed by Ditech, the Complainants were only 17 days past a XXXX XXXX, 2016 due date on ONE SINGLE payment. 
Full Text of Complaint is Attached.
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In order to save our home from foreclosure in XXXX, XXXX, while we were negotiating a loan mod with XXXX XXXX XXXX, we filed Chapter XXXX. They finally did a loan mod in late XXXX, XXXX. The loan mod was not the greatest either. They extended the term to 40 years @ 4 % and moved the loan to Ditech. We have been making payments direct to Ditech ever since. The Chp XXXX was completed and discharged in XXXX, XXXX. Ditech has refused to acknowledge the completion of Chp XXXX and have not reported to any credit bureau that we have been making payments direct to them for the last 3 plus years. Our credit reports should reflect all the timely payments made to Ditech. Our credit score remain a XXXX '. We are XXXX and are unable to purchase new equipment or get a credit line. We are unable to rebuild our credit due to Ditech 's failures.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

I have being trying for years to fix the situation on my home. For years, I 've being in and out of court without any positive results. The lender has not been willing to work something out. I believe that a fraudulent foreclosure is being processed because I do not even know the owner of the loan I defaulted.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2016-05-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.