davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

My checking account was charged XXXX overdraft fees over a period of time of approx one week because of an overdraft that then cascaded into fee after fee after fee because of negative balance transactions in the account. XXXX fee? fine. XXXX or more fees fees is not fair. I asked the bank to refund some of the fees, they refused because I have had fee reversals in the past. However they did not care that the fee reversals were because my account had been hacked. They said my account is " ineligible '' I looked into the history of my account and there was a period where I deposited money to try to correct the situation, but all the fees have eaten up all of that that it all started again ... .there are at least {$200.00} IN FEES AND I DID N'T EVEN HAVE XXXX $ to my name during that period. 

The bank also only sent me an email alert today XXXX XXXX, of an overdrawn account ... while for days I have been racking up fees. And never was there an alert that I was getting continual fees.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (CO)

We purchased a new XXXX XXXX van XX/XX/XXXX. Chase Bank financed the note at 8 % interest. XX/XX/XXXX, we refinanced another one of our cars with chase which was originally financed at a credit bureau. We have made every payment on both car loans on time and have paid extra bulk payments on the van to the tune of over {$9000.00} of the principle alone since the purchase. I and my wife have only XXXX % debt ratio. I have XXXX accounts open with not one late payment and my wife has XXXX open accounts with not one late payment. We have both been in our jobs and our residents for 5 years. We wanted to trade the XXXX van on a XXXX model and submitted an application for the new loan. The application was denied with no reason given, only an offer to send a rejection letter which will take 15 days. So I thought " OK, We 'll just refinance the van and trade later '' ... .. again that request was denied. How can you have perfect payment history with a bank on XXXX auto loans totaling {$44000.00}. Good credit scores ... .. I 'm in the high XXXX 'S and my wife in the mid XXXX 's. Decent job/resident history. Average income. Plenty of open/closed credit accounts which go over about 7 years and not a single late payment in many years ... .. low debt/income ratio and still be denied reasonable credit??
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Im disclosing all phone records speaking with XXXX XXXX from the beginning where rep advised to dispute with credit card company on XX/XX/XXXX and also escalation called where they advised that everything was ok and taking care of to be refunded. All calls was recorded and pulled by supervisor on XX/XX/XXXX and followed up call on XX/XX/XXXX to state that the calls was pulled and that they think the rep was new but would have it taking care of. XXXX from chase supervisor also putting in a request to have these phone calls pulled to back up claim that I would be refunded and there was no cancellation done on XXXX because I never spoke with anyone or have any emails or information included phone records from XXXX from my phone to back up claim. They denied credit again on XX/XX/XXXX for XXXX.
Consumer complaint received 2016-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I was laid off in XXXX and have had difficulty paying my mortgages on my property. I have applied for mortgage assistance through JP Morgan Chase several times and have been denied assistance. Most recently I resubmitted an assistance package in XXXX XXXX and until now, have not received any response from the underwriter whether I have been approved or not. For the past 90 days, the underwriter keeps requesting additional information which I submit in a timely fashion. They then take another 30 days each time to rereview my file and come up with additional documents to be requested. Each time I discuss this situation with the Chase rep, they state this is the final request as your file should be complete. It appears Chase is purposely delaying review of the file, meanwhile at the same time their collection department harrasses me for payment since I am now 2 months past due. The delay review tactic was done previously last year when I applied for a loan modifcation and was denied. The government should monitor Chase as they have never assisted homeowners in need as they have been instructed to do so by the U.S. Government.
Consumer complaint received 2022-09-10
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)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$80.00}
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

chase checking XXXX charged XXXX XXXX {$34.00} without authorization for overdraft. chase calls this overdraft insufficient funds. it is not insufficient funds. it is overdraft. XXXX XXXX never authorized overdraft. XXXX XXXX never authorized insufficient funds. the difference is insufficient funds is when i write a check more than the available. overdraft means an outside agent tries to take money that is not available. the difference between overdraft and insufficient funds is that overdraft involves a third party. XXXX XXXX never authorized a third party to take money from his checking account. therefore there can be no authorized overdraft fee. what chase is doing is doing overdraft but calling it insufficient funds to make it appear that XXXX XXXX is to blame. in fact the third party is to blame. XXXX XXXX has complained about this particular problem many many times. chase does not have any permission anytime to overdraft the checking no matter who or what the reason. i will not pay this {$34.00} and if chase refuses to take back this {$34.00} overdraft fee then XXXX XXXX will sue chase. this is a flagrant example of chase stealing {$34.00} by calling overdraft insufficient funds. 
XXXX/XXXX/2016 Fee INSUFFICIENT FUNDS FEE FOR A {$200.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX WEB ID : XXXX {$34.00} ( {$200.00} ). 
respond to this complaint in a word document. DO NOT REPLY IN A PDF FORMAT BECAUSE CHASE INTENTIONALLY REPLIES IN UNOPENABLE REPLIES. CHASE IS A CROOK. CHASE BUYS OFF XXXX PARTIES TO TAKE ADVANTAGE OF EACH AND EVERY SITUATION. IF CHASE LOSES MONEY CHASE TURNS TO THE XXXX XXXX ITS PARTNER BECAUSE CHASE IS TOO BIG TO FAIL. I AM DISGUSTED WITH XXXX PARTIES BEING BOUGHT OFF WITH BRIBES BY CORPORATIONS TO STIFLE COMPETITION. WE NEED THE OPPOSITE OF XXXX WHICH MINIMAL REGULATION IN THE MARKETPLACE WHICH WAS SUPPOSED TO PREVENT STIFLE COMPETITION. THERE IS NO COMPETITON AND WE NEEDTHE GOVERNMENT TO DEFEND US FROM STIFLED COMPETITION.
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

XX/XX/2019 I paid {$1400.00} to Ditech Financial LLC for my mortgage, on their website. 
XX/XX/2019 Ditech emailed me that the payment was not honored. 
XX/XX/2019 I called my bank and Ditech because I had sufficient funds. My bank confirmed that the {$1400.00} payment never presented to the bank, and I had sufficient funds. Ditech took my payment over the phone and admitted to " glitch '' in their website. 
XX/XX/2019 Ditech sent a certified letter accusing me of " non-sufficient funds and threatened fees, contractual rights and equitable remedies. '' XX/XX/2019 I called Ditech to get to the bottom, and facilitate a second conference call with my bank. Ditech reversed the NSF fee and told me that the matter was resolved. 
XX/XX/2019 Ditech generated another threatening letter after my call indicating that the issue was turned over to a debt collector. Why would they do that after they reversed the fee? I have paid all of my mortgage payments and there are no late fees or payments outstanding. 
XX/XX/2019 I mailed a certified letter with supporting documentation that my bank never received the request for transfer of {$1400.00}, and my bank has not charged NSF to my account. 
XX/XX/2019 Ditech mailed another letter requesting more bank documentation showing sufficient funds. The latest letter changed all of the dates and amounts of payments and NSF claims. They are completely confused about the entire situation, but I have documentation of each email and letter. 
XX/XX/2019 I mailed additional documentation to Ditech in AZ and also the CEO in PA. I also filed a complaint with the XXXX. I am exhausted with Ditech harassing me for a payment that I made on time and they admitted to botching the processing of payment. I have spent so many hours waiting for a Ditech rep or manager, and creating conference calls, that Ditech is causing much distress and I am wondering if I need to contact the media or an attorney. Please help me. I am a XXXX vet, a XXXX XXXX and a upstanding citizen paying my bills on time. I shouldn't be harassed when Ditech 's website has a glitch.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all XXXX major credit reporting agencies, XXXX, XXXX & TransUnion, whose report numbers I have entered in the field for 'Original dispute case numbers. ' To date, since fileing a complaint with cfpb, XXXX has ceased to continue this negative reporting on my credit records. XXXX & TransUnion continue this negative reporting and It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/XXXX ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, XXXX XXXX XXXX ( XXXX XXXX/XXXX/XXXX ) I would like to repeat, that since beginning this dispute, 'XXXX ' has agreed with my dispute and deleted this negative report from my files. I would ask that XXXX & TransUnion also delete this negative information from my files, as well. Sincerely, XXXX
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DC)

My condo lawyer tricked my mortgage company into paying her money that I will owe them which is illegitimate - in two different instances. 
1 There was a nonjudicial foreclosure case against me based on false information and trumped up charges ( condo fees paid on time then refused, etc ). My own lawyer scheduled a Temporary Restraining Order Hearing with a Judge to challenge and stop the foreclosure action which required me to pay {$26000.00} to stop the auction sale. Hours before my hearing, I was told that it was cancelled because the condo lawyer got my mortgage company to pay her {$37000.00} - {$10000.00} more than the {$26000.00} required to stop the auction sale. I was deprived of due process, and my opportunity to challenge this illegitimate act before a judge. I now owe my mortgage company {$37000.00}. They did this without necessity, my knowledge or permission. Had they called me I would have told them not to pay and let me have my hearing which likely would have stopped it. I always pay my mortgage on time and have never had a problem with my mortgage payments or any other bills. 

2. I was recently accused of being delinquent in paying my condo fees and was prevented from speaking or voting in condo elections and was told I was not allowed to be on the roof deck because I was not in good standing. The Board president falsely accuses me of not paying assessments and told me that my mortgage company was paying them for me. I had no idea. No one told me. On Tuesday, XXXX XXXX, I spent two hours on the phone with Chase and only them learned that they had been paying my condo fees for 18 months, without necessity, my knowledge or permission. 

Furthermore, there is also a judicial foreclosure case against me, in which my mortgage company is a co-defendant. I have tried to communicate with the mortgage company lawyer, since I am now representing myself, pro se, to get information and to coordinate. He did not want to coordinate with me, which I guess is his right, but he also did not answer most of my calls and emails, except one refusing to collaborate. I asked him how many of my condo fees they paid and whom I could speak to and he did not answer. I think it is in our mutual interest to communicate and work together. I was disappointed. He could have at least told me how many fees were paid.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MLD MORTGAGE INC (NJ)

I have a 30-year fixed loan with MLD Mortgage Inc since XXXX 2015 with XXXX % down for a single-family house. A few months ago I was calling and emailing their customer service to get quote in order to remove my PMI. First they said I can not remove my PMI for my loan with them is less than XXXX years. I read some online forums and knew that as long as I can make LTV as XXXX %, my PMI should be automatically removed. I gave them my second call, and presented the info I read online, they told me that I should be able to do so as long as LTV is XXXX %, but to get an quote I need to put it in a formal request by using their online form and email it, which I did. Two weeks later, I got a letter saying that PMI can be removed only if it is XXXX-XXXX family residence or for commercial use and LTV reached XXXX % ; and to remove PMI on single-family house, my loan has to be with them for two years and LTV has to be XXXX %. I was very upset by the letter and called them again. They said I can remove PMI as long as LTV is XXXX %. So I made some payments recently to make my PMI reached XXXX % now.I noticed today as I checked my statement online I am still charged for PMI. I just called them, and could n't believe they brought up the same trick about have-to-be at least two years having loan with them in order to remove PMI. I just told them I am done with them and will refinance using other companies.
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (GA)

1 closed account/Discover opened in XX/XX/2013 that is 9 years old and 8 years old from last past due payment. Closed account is past the statute of limitations of the state. Closed account still reporting late and negative balance on credit report. XXXX has approved my dispute of this closed account and currently waiting for results from XXXX and XXXX.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

EQUIFAX, XXXX, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Waterfall Revenue Group (DE)

Incorrect information was entered on my credit file. XXXX is reporting payments that I do not owe. I was told by the doctor office that they have to get approval from my insurance company before he can perform the treatment. He told me once he get the approval from the insurance company his office will call me and schedule the appointment, I made my copayment and left the office, XXXX week later I receive a call from XXXX office saying my insurance approve the procedure, and that was it. Now two years later I receive a copy of my credit report with three charges from A-1 Collection Service in the amount of {$550.00}, {$660.00}, $ {$81.00}, which I have no knowledge of. I never receive a call from that office or anything saying I owe this payment. I am in the middle of purchasing a new home and now this has appear out of no where, years later, this is not fair. Please help.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (NY)

I believe a credit card closed due to fraud use was used by XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it. 
Thank You PS my first name is mis-spelled
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (AR)

I get multiple calls from XXXX, XXXX, XXXX, and other numbers. Sometimes its a person most times they just hang up when i answer. They ask for my social security number or address to verify my identity and will not tell me any information. One representative told me if i did n't verify my information they would just begin seizing property from me. Multiple calls a day up to XXXX.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

There are XXXX agencies reporting that I owe them money and I have not even lived in the country for XXXX years plus. I would like these fraudulent charges to be removed from my credit score as it is greatly affecting me. 

XXXX ONLINE BANKXXXX XXXX, XXXX $ XXXX was living in XXXX XXXX at this time and it is IMPOSSIBLE that I opened up an account and I have never had a credit card with XXXX XXXX Bank XXXX 

XXXX AT XXXX XXXX, XXXX {$480.00} Again, I was living in the XXXX XXXX for XXXX years and I did not have the use of any XXXX XXXX XXXX service. I put my account on hold and they seemed to think it was ok to charge me when my phone had NO usage. They took my account off hold without my permission and started charging me.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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. (PA)

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$0.00}