davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I was contacted by my financial adviser that my credit has a negative information being reported. Upon reviewing my credit report I noticed that Chase XXXX was reporting an account that has mixed information. I contacted Chase and they explained to me that not only was this account being reported as bad debt but that a XXXX was filed with the IRS. I informed them that this account was not mine and that I wa n't this information removed from my credit report. They told me that they where going to investigate but that the XXXX still remains effective and that the investigation can take up to 90 days. I was then transferred to a supervisor once I mentioned that I was filing a compliant with the CFPB. This situation has prevented me from obtaining a loan that I much need. How can these companies open accounts and report it to the credit beaus with verifying the information? This account is not mine. I spoke to a XXXX ID # XXXX and a XXXX ID # XXXX
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (WA)

My case is regarding the auto rental collision damage waiver provided with a XXXX card. I rented a vehicle, accepting a partial waiver to cover deductible costs, termed a partial LDW XXXX loss damage waiver ), which covers {$500.00} worth of damage. I had an accident with a deer that caused the total loss of the vehicle, around {$10000.00}. XXXX benefits is denying the claim, stating that I did not decline the collision damage waiver. The benefit information states clearly that " XXXX is secondary coverage which means that it supplements and applies in excess of, any valid and collectible insurance or reimbursement from any source. '' The benefit information also states that " if you accept the collision damage waiver offered by the rental company, you will not be eligible for XXXX. '' However, I did not accept a collision damage waiver, it was a partial coverage meant to cover deductables. Given the text that this benefit is supposted to apply in excess of insurance " from any source '' I believe I should still be covered, but despite an appeal Visa is still denying the claim.
Consumer complaint received 2016-08-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Messerli & Kramer P.A. (MN)

Messerli & Kramer represents XXXX XXXX, XXXX. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from Messerli & Kramer, at XXXX PM, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from Messerli & Kramer. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

Lowe 's Consumer Credit/Synchrony Bank intentionally causes payment difficulties and refuses to acknowledge their failures. I repeatedly attempted to pay my Lowe 's Consumer Credit Card via their automatic system and it failed each month until I finally just paid it off in person. I perceive through my interaction with their customer service that this is a systematic attempt to create circumstances which will result in fees or interest charges.
Consumer complaint received 2016-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MI)

I have arranged to add an additional amount to my monthly auto debit payments on my student loans. I 'm told that because my groups have different due dates, Nelnet will not make a payment on a loan group that is paid ahead, so interest grows and grows despite the fact that I 'm paying over {$100.00} per month above my minimum payments. 

This month, Nelnet took roughly {$150.00} above my minimum monthly payment ( as I set up ) and did not even cover outstanding interest on XXXX of my loan groups, paying only about {$8.00} for the month, and leaving over {$30.00} of unpaid interest. This loan accrues about {$8.00} in interest every week, which would lead to me paying about an extra {$70.00} in interest by the time they take another full payment, despite arranging for about {$300.00} in extra auto payments above minimum in that time frame. 

If I did n't feel like I had to check this account weekly to see how they decide to split my " automatic '' payment I 'd never notice that they 're letting some loans accrue interest ( higher interest loans ) while making additional payments on lower interest groups. It will not take long at all for this practice to result in my paying significantly more in interest than I save with the 0.25 % reduction. Why is it made so difficult for me to stay on top of my loans? No other loan servicer I 've ever had ( auto, mortgage, etc ) has gone out of their way to make it difficult for me to make my payments. Why is it that I have to log in to this site every time I want to take any semblance of control over my student loans? I ca n't even set up more than XXXX extra payment at a time, so if I want to pay an extra amount on a different group each month, that 's XXXX logins. 

I would guess I spend about 6 hours a month managing the " auto-debit '' on my loan to make sure Nelnet is n't taking advantage of me.
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DataMax Corporation (NC)

I submitted a dispute with Interstate Credit Collections concerning a charge from XXXX XXXX XXXX. Interstate Credit Collections stated that the debt was valid, but would not provide proof of the debt. They also did not verify the debt through the original creditor but a third party billing company XXXX XXXX and XXXX who have no knowledge of the actual debt.
Consumer complaint received 2015-10-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: MNE Services, Inc (NY)

A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC (NY)

Allied Interstate keeps contacting and harassing me via email and phone to collect a fraudulent debt. I 've already contacted their said client XXXX, XXXX and confirmed the fraudulent charge.
Consumer complaint received 2016-04-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MO)

The bank obtained the property through a foreclosure. To the best of my knowledge any efforts to date to sell the property have been by an online auction process. This process has not allowed for interior inspection prior to the auction bid and could be one of the reasons why the minimum amount required by the Bank has not resulted in a sale. The home has remained vacant since XXXX, XXXX. The Bank is not maintaining the property. As President of the XXXX XXXX in which this property is located and as a home owner who lives XXXX doors from this house, I 'm particularly concerned about the vacant status and lack of maintenance of this home. A letter was sent to JP Morgan Chase XXXX/XXXX/XXXX requesting they work with the XXXX XXXX to retain a local Real Estate Agent who could market the property for them. A reply was requested by XXXX/XXXX/XXXX. To date ( XXXX/XXXX/XXXX ) we have received no response.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (IL)

I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (AE)

Chase XXXX credit card falsely advertised that after spending {$1000.00} you would receive XXXX free nights at XXXX and they waived the {$75.00} fee the first year. When I applied on their site they still waived the fee but required you to spend {$2000.00}. After spending over {$2500.00} they assessed the {$75.00} fee and did not waive it. In the literature they sent with the card they just removed the note stating the fee would be waived!
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

My mortgage was transferred back in XXXX of 2016 from XXXX to LoanCare. On XXXX/XXXX/2016 I called loancare to verify if they 've done any payment to my hazard insurance company ( XXXX ) since my due payment is on XXXX/XXXX/2016, surprisingly the loancare agent told me that my hazard insurance is not included in my escrow account, however it was disclosed when the transfer took place back in XXXX, also the loancare agent informed me that I should 've received refund check of amount {$570.00} back in XXXX 2016, so I told him that I did n't receive any refund check of this amount, after all the runaround given by loancare employees along with speaking to the manager for the past two weeks .After being frustrated and hopeless, I decided to avoid the confusion and take care of my home insurance myself, therefore I called back loancare and told them to send my refund check which I was supposed to get back in XXXX 2016, so I could pay my home insurance by myself, and I ask them to do not include my hazard home insurance in my escrow account in other word just keep the mistake they 've done the way it is, because I did n't want to cause more confusion .Until today I still have n't received my refund check, and every time I call loancare I get a different story from their employees.
Consumer complaint received 2020-04-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS ABOVE ATTACHED ARE CASES
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

In XXXX XXXX the United States of America Consumer Financial Protection Bureau filed a consent order against LoanCare, LLC. My mortgage was sold to XXXX and in XXXX XXXX Loan Care, LLC continue to withdraw the payments and refuse to send 2 months to the new lender, XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). Several attempts have been made and all received is the run around or we have not received anything. I have faxed, called, email information concerning this issue. It has become harassing and threaten phone calls from XXXX XXXX. I am requesting a through investigation into this matter. 
XXXX XXXX, XXXX @ XXXX Thanks
Consumer complaint received 2016-12-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (WA)

I initiated the pay off of my auto loan on XX/XX/2016 via their website. On XX/XX/2016 the loan was officially closed. On XX/XX/2016 Chase pulled another loan payment from my checking account, via automatic payment, even though the loan was closed. It 's now XX/XX/2016 and I do n't have that payment returned to my checking account.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX*Balance {$1300.00} XXXX Balance {$11000.00} XXXXXXXX***Balance 0 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$420.00}
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (VA)

I have XXXX in loans and the repayment plans maximize your interest. I am on a payment plan and I am getting no where with them. Each time I set up a payment plan, it maximizes the interest and nothing gets paid on the principal balance. While this is happening, I am still occurring Intrest even though I am paying on it every month. It 's hard to pay something off when you keep occurring charges.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I called back around XX/XX/XXXX to cancel my Citi credit card. I called and cancelled before the {$450.00} fee was due. When i called they told me since i called before the fee was due they would credit the fee and i wouldnt owe anything. Well instead of doing that they left the fee on there and started charging me late fees every month on something that I dont even owe. I know i should have logged back on my account and checked it but I had just figured it would all be taken care of. Now citi has sent that account to collections and it has been at collections for over a month and they refuse to look into it and refund me the fees. I think the whole thing is pretty XXXX. I always pay my bills on time and they can even tell you i NEVER had a late payment. No because they did this my credit is ruined and my credit score has dropped over XXXX points. I would like for them to fix their mistake and give me an apology and contact the credit bureaus and get it straitened out with them so my credit score goes back to where it should be and it doesnt show i have an excessively late payments on there. This whole thing is really frustrating and the fact they wont talk with me and fix their mistake really XXXX. Also either the credit card company or the collection agency owes me a little over XXXX dollars in refund that i still have yet to see from either of them. Since i no longer have that card anymore i am not sure of my full account number but i believe it ends in XXXX
Consumer complaint received 2015-12-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

This letter is in regards to filing a complaint against Chase Bank. I have a Mortgage with them. They took my loan over from Wamu Bank in XX/XX/XXXX but per my creit report is says Chase has it since XX/XX/XXXX Since the change of banks there are several problems with this bank, Listed below are my complaints,1, They are miss applying my payments, See examples attached. I am paying extra escrow and they are not applying. it along with some payments Have sent receipt showing how much they show receivng but is not the amount applied. Want these funds back and the payments not applied to be applied2.When I started my loan with Wamu my loan was XXXX XXXX 5 years later it was XXXX XXXX. No one wants to explain this to me. 

3. Have paid extra funds towards my escrow, but it is not applied to any accounts please see examples. also dose not show the over paymentsSuspense AccountsAs the name suggests, a suspense account is an account set up by a mortgage servicer to hold a borrower 's funds in a suspended state until it decides how to allocate them. Suspense accounts are used primarily when the borrower XXXX a partial or incomplete payment, though it can also be utilized if you overpay as well. 

4.Shows many payments in suspense do not understand where these payments are going they are not and were n't short paid at any time. 
Misapplication of Payments or Inaccurate AccountingOne of the duties of a mortgage servicer is to collect and process payments from the borrower. However, in some cases, a mortgage servicer may : improperly apply funds ( in violation of the terms in the mortgage contract ) ignore a grace period, and/or fail to credit funds to the accountBank in question Wamu and chase Please look at all information attachedXXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXXLoan number XXXX
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (AL)

I applied for a hardship refinance with Flagstar Bank and submitted all the required documents. I called back after two weeks and was told the application was under review. I called back in another two weeks and was told the application was rejected because the documentation provided was too old. The pay stubs were the only documents that were to be recent and they were my XXXX most recent stubs at the time. I applied again and was never able to get an update about the status of the loan until after over a month had passed. I was always told they were backed up due to the number of requests, but it was in progress. I was finally able to get someone to tell me that my request had been rejected again because the documents were too old. I ended up having to take out a 401k hardship loan and am still paying tax interest and penalties because of it.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (VA)

I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

In XXXX 2016 I changed my banking services and proceeded to update my autopay information in the Brooks Brothers XXXX system. Previously, autopay had worked to pay the full balance of the credit card on time. When I checked my account in XXXX because I was curious about previous charges, I discovered that autopay had removed my information since Brooks Brothers had received notification that my old account was closed. Their system mistakenly removed my new autopay information. I called up Brooks Brothers who informed me that a filing would be made to remove this delinquent payment from my credit report history. It has now been three months and my credit score has dropped precipitously from the time this occurred. I have lost XXXX points of credit rating which will affect my finances for decades. I would like this delinquent credit report removed from my credit score.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (MA)

amazon/synchrony bank has robo calls and daily collections to my home and work as my last pymt wast made on XXXX XXXX and they repeated charged late fees before due date and have not responded to my letters to synchrony bank ; i have also sent emails to XXXX XXXX email requesting assistance in this matter. 

i suspect they have damaged my credit rating ; i have made several attempts to reach them by phone biut their atom ated system has no human connection option mr XXXX XXXX XXXX XXXX XXXX XXXX, mass XXXX XXXX
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Reese Law Group (CA)

I got a loan a while back with XXXX, back then I was not able to pay the loan so I called them and ask to take it back. After after months I got a letter that I had a balance with then and send it to collections. I have been paying this lean for over XXXX yrs and it seems I never pay it off. it seems that this lawyer is trying to make more money then what the balance was. I have paid more then what was owed. I had talk to someone and told me that I had paid more that I owed but I was still paying instrest, I need help I do n't know what to do to protect my self. 

I will like for someone to help me get read of this guy and to let them know that I have paid more the enough. My name is XXXX address is XXXX XXXX ca XXXX phone number is XXXX. 

XXXX case number XXXX XXXX # XXXX XXXX CA XXXX XXXX
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OH)

On XXXX XXXX 2016 I used JC Penney 's website to make an electronic payment of {$420.00} to my JC Penny credit card number using my XXXX XXXX XXXX checking account. This has never shown up on my JC Penney account. I have tried to work with both banks but Synchrony Bank, who handles the JC Penney credit card, still has not found the money that XXXX XXXX sent them. I forwarded detailed ACH information on the transfer provided by XXXX XXXX to Synchrony, but they still do n't seem to be able to find my money. Even worse they have not even responded to my recent faxes to them. With all of the detailed information provided by First Merit that clearly shows the transfer to Synchrony Bank/Penney 's went through, I do n't understand why they ca n't simply trace the payment and apply it to my account.