davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022, my Chase bank account have received unexpected REFUND from XXXX XXXX on the amount of {$9500.00} ( PPD ID : XXXX ). This transaction was immediately REVERSED back to XXXX XXXX. Please see enclosed proof from Chase Bank that REVERSED transaction went through to XXXX XXXX ( page XXXX, marked as # XXXX ). 
But XXXX XXXX didn't received this amount. Attached is a copy of my credit card account that shows only CREDIT REFUND on XX/XX/2022 but not RECEIVED money back. 
Please investigate with Chase Bank where this REVERSED money went? 
Since XXXX XXXX didn't get this money, they told me I owe them this amount. 
Thank you XXXX XXXX
Consumer complaint received 2016-04-02
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Payday America Inc. (MN)

I WENT DELINQUENT ON MY LOAN IN XX/XX/2013 AND THEY GARNISHED MY WAGES IN XX/XX/2013 AND GOT PAID IN FULL FROM MY EMPLOYERS CHECKS I WAS WORKING AT XXXX XXXX IN XXXX XXXX XXXX AT THE TIME, AND IT WAS OWNED BY XXXX, OUT OF XXXX, I KNOW IT WAS PAID AS I WAS UPSET BECAUSE IT WAS MY LAST PAYCHECK BEFORE XXXX. I DO NOT THINK I SHOULD HAVE TO PAY FOR THIS A SECOND TIME AS I HAVE ALREADY PAID IT, AND THIS IS UNFAIR, IT IS HURTING MY CREDIT AND IT IS KEEPING ME FROM BUILDING MY CREDIT AND IT IS KEEPING ME FROM PURCHASING NEW THINGS THAT I WOULD LIKE TO HAVE. I TALKED WITH THE PERSON THAT WAS COLLECTING ON THE LOAN BACK IN XX/XX/2013 AND HE IS NOW THE COLLECTION MANAGER, NAME IS XXXX, AND HE SAID HE HAS NOT RECEIVED PAYMENT AND I KNOW HE DID FOR SURE 100 %. AND I HAVE NEVER RECEIVED A BILL OR ANYTHING UNTIL I MOVE OUT TO MY NEW HOUSE IN XXXX, XXXX I GOT A LETTER STATING I OWE A BALANCE OF XXXX & SUM-DOLLARS, AND IT IS WRONG, IT IS PAID OFF! PAYDAY AMERICA IS NOT THE GREATEST COMPANY TO ME, AND I DO NOT UNDERSTAND WHY THEY ARE DOING THIS. THEY ARE PUTTING ME AND KEEPING ME IN A HARDSHIP BY REPORTING THIS AND ALSO HAVING IT ON MY RECORD ; AS YES I KNOW I DID STUFF TO MY CREDIT ALSO, BUT THEY ARE JUST KEEPING IT THERE AND ITS ADDS UP!!!!
Consumer complaint received 2017-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (ID)

The bank closed my account on  XX/XX/XXXX . Because of overdraft fees, I had a debt of {$400.00} and they would not accept any other deposits [ to the account ] but, they did take my federal and state tax returns, those checks were deposited  XX/XX/XXXX  in the amount of {$3900.00} for federal and {$290.00} for state. On   XXXX   XXXX   XXXX  , I went to the bank and I sent in everything they asked me for and they didnt send me the difference. From XX/XX/XXXX  to date, they have not returned my money. I went to the general manager of the bank, Ive called them, and they havent resolved anything.
Consumer complaint received 2023-08-15
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

Navient Corporation    has made repeated phone calls to my home telephone number. I has received over 26 calls within the last seven weeks. No message is left. I have not received any mailings from the company, or any communication to explain the harassing calls.
I have never had business or any other contact with Navient. It would appear they are trying to scam and harass me.
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (PA)

Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????
Consumer complaint received 2017-01-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (LA)

i had a {$500.00} revolving line of credit with Regions bank. I paid it satisfactorily and decided to close it. i opened the line of credit XXXX and closed it XXXX the account number reporting on XXXX , XXXX , and XXXX XXXX XXXX XXXX. they call me still 3 to 4 times a day to try and collect on the balance that has been closed for the last 4 years. i have proof that it is paid in full and closed.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I spoke with the highest point of escalation with XXXX and they report that Equifax is blocking me from monitoring my credit. Additionally, every representative at Equifax in XXXX consumer division has told me that Equifax has deliberately and intentionally blocked me from credit monitoring services indefinitely. I need to protect my identity and credit accuracy with credit monitoring with all XXXX credit bureaus. I am being forced to pay {$15.00} - {$21.00} for a single Equifax report every time I need to check for inaccuracies versus a single monthly payment of {$2.00} - $ XXXX/monthly, a discount offered by XXXX XXXX XXXX XXXX for Equifax credit monitoring. I need this fixed.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (KY)

I have disputed a tax lien that has been released with all XXXX credit bureau and disputed them through credit karma ( tried to dispute through XXXX, but they are impossible to navigate disputes ) ... I also had disputed XXXX that was satisfied and removed, but still showing on my report..
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

I am trying to get a copy of my credit report so I can see what is on it every time I put my social security number in I am told that 's not the right number or that I have put the wrong birthday and year please help.
Consumer complaint received 2023-07-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I put in my original complaint XX/XX/2023, today is XX/XX/2023 30 days have pasted. Today makes 32 days and no my dispute was not recorded nor did it show the status of my dispute, on their website i didn't even show that i put in a dispute on the date of the XX/XX/XXXX. Both are violations and that broke the law!! 
XXXX Complaint # XXXX Equifax Complaint XXXX XXXX According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I have been victimized by my mortgage lender and as a result I am now facing foreclosure. I purchased my home in XXXX and was misled by the people at XXXX who talked me into a mortgage loan with an introductory interest rate of 9 % that would eventually adjust up and could go as high as 15.62 %. When it came time to adjust my payment went up almost {$400.00} a month but somehow I was able to hang on. I paid that outrageously high amount of interest for 6 years and eventually it was too much and I applied for a modification. I was grateful that I received a modification and my rate was lowered to 2 % in XXXX. I paid as agreed on this for over 2 years. 

However, my loan is now with DiTech and I am facing foreclosure. I work as an XXXX and I ran into some issues a couple of years ago with the company I was working for and I had to switch to a different company. As a result of this change, I lost out on a lot of income and was struggling financially. I missed my mortgage payments for a couple of months while I got back on my feet. I reached out to DiTech to make a payment and to see what could be done to get everything sorted out. I was shocked when they refused to accept my mortgage payment. I was even more shocked when they told me that they would not be able to offer or even consider any type of modification or repayment plan or anything because I already had a " good rate ''. They stated the only way I could fix this was to reinstate the entire delinquent amount, which was not possible at that time. However, I was only three months behind at that time and DiTech could have easily put me into some type of forbearance agreement or repayment plan instead of shutting the door on me. They also could have put the late payments back into the balance of the loan and just increased the term or something. Instead they refused to consider any options, refused to look at my current financial circumstances and decided to serve as judge, jury and executioner and move me straight into foreclosure. 

I know that the government programs allow consideration for a second modification if something bad happens to the homeowner. But DiTech is completely shutting the door on me. They merged with Greentree Mortgage and I know that this company received XXXX of dollars in bailout funds. After making all of this money from me with an outrageously high interest rate for so many years one would think DiTech would at least give me the time of day and the opportunity to resolve this matter. Instead they have harshly turned their back on me and I want to file a formal complaint against them.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have my loan serviced with Green Tree. I have been paying more than the amount due each month that I would expect to be applied to principal, but instead they post it as Unapplied Amount. I have never worked with a less competent services. I 've worked with over XXXX in the past that know how to apply additional payments toward principal. Thus I am paying interest on amounts of principal that I have already paid. This must be illegal.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERMARK CAPITAL, INC. (CA)

Watermark XXXX made errors in the process of refinancing my loan that caused the excessive delays. On XXXX XXXX, they sent me an email telling me that our rate lock had expired and they were unable to get an extension so the loan would not be going forward. I asked the loan officer, XXXX XXXX, when the lock had expired and he told me it had expired on XXXX XXXX. According to the rate lock agreement which they drafted and signed, the rate lock was not to have expired until XXXX XXXX. They lied about the expiration date when they said the lock had expired. They took 24 days to provide XXXX documents they already had on hand to a third party lien holder simply because they lost track of the detail. I have the email chain from the third party documenting how long it took. When I asked about the delay, they lied and told me that the third party was causing the delay. Email documents that they did not cause the delay. They did not answer my multiple questions about when the loan would be closing. They did not inform me that I was at risk for losing my rate because they had not done the simple work they were required to do. Their failure to complete their work within the specified time resulted in the loss of a loan that was approximately .75 % lower than the current market. Multiple calls to the lender have been unable to resolve the problem and, to date, they have not even refunded my out of pocket costs. If they had done their job, the loan would have closed. They made serious errors and the result will potentially cost me many thousands of dollars over the life of the loan. An email and a call to the owner of the company have gone unanswered.
Consumer complaint received 2017-02-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (TN)

We got a little behind on a loan after being good customers for over a year. They served us and we paid them in cash the court costs and the payments to get caught up ( this was XX/XX/2015 ). A week later they say we are behind we call repeatedly to try and determine what is going on. They refuse to take our calls and hang up when we give our name. In XX/XX/XXXX they claim they are taking us back to court and I write them a letter to call my mother because they refuse to take our calls. The agreement was {$75.00} every two weeks. Total amount owed court costs included was supposedly {$1400.00}?? this was verbally given they refused to give us anything in writing and they refused to give us the corporate number. XXXX the local manager was difficult to work with. No missed payments between XX/XX/XXXX and XX/XX/XXXX {$900.00} paid. Called for pay off and were told {$990.00}??. Called another store to get manager 's name and number. XXXX XXXX called claiming that she was the manager but she called from XXXX store. She will not listen she claims we owe {$640.00} and the {$350.00} in fees. She claims her employees would never be dishonest and if we had paid on time it would not have come to this. Ignoring the multiple attempts to make arrangements that they would not answer.
Consumer complaint received 2017-04-04
Product: Other financial service — Foreign currency exchange
Issue: Customer service/Customer relations — 
Company: Coinbase, Inc. ()

During my last vacation, that I spent in XXXX, I reached my personal account at coinbase.com to check how things were going. 

I saw this error message : " Dear ..., We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to close your Coinbase account. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at support @ coinbase.com immediately and provide us with a copy of a photo ID and proof of your current address. 

If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. '' From that moment, 20 days ago, I 'm unable to access my account. I reported the issue via their customer support web site, email and event XXXX. I only obtained one, just one, vage answer saying they are investigating the issue.
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: EOS Holdings, Inc. (WI)

Collection Agency claims that I signed a Loan Document electronically for a Private Student Loan thru XXXX College. The loan was supposedly electronically signed on XXXX/XXXX/2006. However, I didnt sign any enrollment papers for XXXX XXXX until XXXX/XXXX/2006.
Consumer complaint received 2015-04-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AL)

***THIS IS NOT A DUPLIATE NOR HAS IT BEEN REVIEWED BEFORE*** This is in regards to my checking account I established when I first relocated to XXXX, Alabama. I have advised by the Alabama Court system was never an established legal bond under the law because the individual who took over my accounts never made bond for this such status. What documentation was used to closeout recreate another account adding a Conservator on my accounts giving this bank established XXXX complete control and access to all my funds if the court system advised me she never made legal court bond for this authority all? 

This person had a Bank Representative CLOSED my original account I had established during my relocation in 2004 and reopened another checking and saving account at another location within XXXX XXXX. This new account was created by a fraudulent individual acting as XXXX who never made bond with the court system giving her clear legal authority to deal with third parties. Without her gaining a legal XXXX, it does not provide a legal process to have a judge approve major monetary decision on my behalf. Without the court system approving this individual status of XXXX, how and what gave both the individual and the Banking Representative the legal right to take over control of my funds. All funds were transferred from my original account I established into account number ( see attached ) with this bank established XXXX 's address appearing on the checks as well. 
It seems as if this can be a form of Identity Theft in the making. If people were to go into a banking institution without proper legal rights/documentation and take over member 's accounts the world would have a field day! Is this type of transaction a legal approved action a banks can establish through a banking institution and is it legit? I am irate that this type of activity continues to go XXXX in the State of Alabama over and over again and swept under the carpet. People will not assist or challenge this type of activity. But, I will. I would like to know what documentation was received for this individual to establish a XXXX over my accounts if the courthouse states she never established or made legal court bond for this status. 

I am looking for assistance from the CFPB to aid with handling this issue? I have already attempted to have an Attorney assist ( costly and told the bank 's will not cooperate or assist appropriately ) and the Police Department has stated this is not legal and within Statue of Limitations. Any assistance you can provide to me would be greatly appreciated. 

***THIS IS NOT A DUPLICATE NOR HAS IT BEEN REVIEWED BEFORE***
Consumer complaint received 2023-07-24
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$3000.00}
Consumer complaint received 2016-05-27
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ECMC GROUP, INC. (CA)

ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong, it suggests that XXXX notify employees of these actions. I am XXXX, and I was n't notified. In one week, there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again, ECMC representatives hang up, play verbal games, claim that the only solution is to start sending them money, and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will, particularly over something that I do not owe, but I am very annoyed that when you call for one thing, the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification, I want it to cease, and I want to be given actual documents. They claim that the only way to make this stop is to pay them money. I will not pay them money because that would validate something that I do n't even know about. This is XXXX ultimate scam, and I never thought that something like this would be possible in this Country.