davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I received a call on my phone from phone number ( XXXX ) XXXX, asking for my son, by name, from a guy identifying himself as " XXXX XXXX '' and that he was a representative in the " Mortgage Loan Department '' of XXXX XXXX Bank. I asked him what the call was about and he said he wanted to talk to my son about a problem with his mortgage at, and he identified my home address. My son is not now, nor has he ever been, on either title or the loan on my home. My son is a XXXX yr old full time college student and XXXX XXXX. I advised him that my son was " not home '' but that i might be able to help him as I am a co-mortgagor on the property. He apologized for not being able to see any of my information in his " records '' but wanted my email address so that he could send me the " legal email '' he needed to send me before he could talk to me. I asked what was the issue he needed to talk about and he said that the house was in " serious jeopardy '' due to all of the " back taxes and insurance that has n't been paid. '' At this point I told him ( in very colorful language ) that I was n't aware of any of that but that I was aware of the fact that he was nothing more than a fraud. He responded that I was being recorded and I advised him that I was very glad of that so whoever was recording would have a record of just what a XXXX XXXX he was. He responded in kind and promptly hung up. Out of curiosity, I re-dialed the number that had just called me and was semi-surprised to hear, " Thank You for calling DiTech Mortgage. '' I 'm not sure exactly what this XXXX was calling about and phishing for, but I do know it was nothing legal.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

I 'm in default on my mortgage since XXXX. XXXX commenced foreclosure action on behalf the Note/mortgage holder but did not produce the necessary documents to get final judgment to foreclose. Prior to foreclosure hearing in XXXX XXXX bank lawyers falsified mortgage assignment using former XXXX employees acting as XXXX vice presidents, filled another foreclosure complaint on my house under different Docket number ( dual foreclosure in another court, different town, different judge ) and had only copies of the Note and Mortgage. The servicer had no standing in court and had no authority to sue on behalf of the true owner of the mortgage documents. This fraud did n't work and judge ordered to bring all original documents the Promissory Note in particular in 7 days after the hearing or the case will be transferred to Foreclosure unit Supreme court in XXXX NJ where it was dismissed in XXXX for lack of prosecution. During this process I wanted to know who the owner of my loan is since the servicer did n't want to modify. The servicer, XXXX refused to identified to Note holder but few months later another law firm affiliated to XXXX told me its XXXX who has the loan. XXXX sold their servicing rights to Green Tree servicing LLC in XXXX XXXX and for unknown reason placed to payments to my mortgage in XXXX and XXXX XXXX which I discovered recently from my credit reporting agency. Green Tree merged with Ditech Financial. Another Foreclosure complaint was filled in XXXX XXXX and I filed motion to dismiss the case because the statue of limitation 6 years from the default and mortgage acceleration has passed at the time of complaint. The plaintiff and judge scheduled motion hearing and did n't invite me. I discover this misconduct and adjourned the secretly scheduled hearing to later date. I was called for another hearing less then 48 hours on my cell phone to come to the court and I was asked to call the plaintiffs attorney to show up as well. I refused and the court clerk call them! The judge denied my motion to dismiss the case stating there was no evidence of pre-foreclosure sale and no mortgage acceleration to make the previous foreclosure valid complaint. I have all evidence that the judge committed fraud upon the court and I need the CFPB to help me. Ditech states that they own the mortgage and the note but show no prove in court, therefore no standing in court. Ditech assured me that different rules applies to them to foreclosed.This is a great case of conspiracy, Robo-signing, Respa violation, several counts of fraud and due process violation. It 's complicated so please help! 
I have evidence for all accusation.
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

NYS Child Support put Restraining Notice on my account. Now the bank is doubling the order. I want to close my account because Chase say I have to pay Overdraft or Insufficient Fund fee plus they Monthly Fee since I will not be using my account till this problem is resolve. I no longer want this account.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (CA)

my name is XXXX. I used chase XXXX credit card for around 3 years. last one month, XXXX, my credit card get expired. however, my old credit card still can be charged by authorized merchant. An expired credit card still can be charged money. this is very ridiculous. It happened to me and It happened to chase bank. what is purpose to set up expiration date? it is XXXX of credit card protection or not. 

Furthermore, I did call XXXX and mention this issue to chase credit card. Their service is very rude and unfriendly. In other words, it is your business, not chase credit card business. I think everyone need to know about this.
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

When I recognized that my transaction posting via the app was not aesthetically similar to other check deposit transactions, I called to inquire about its validity.. ( mind you I made a deposit on Friday evening for an undisclosed amount ) I call Chase and speak to a fraud specialist and explain to her that someone put money in my account ( duh, it was me but forgot that I had made that deposit ) without my consent. 

Half way through the conversation my brain reactivates and I tell this representative ... " Oh! I now know what happened.. I received a check from work and made that deposit myself ... The reason I was confused was because the post on your Chase app was TOTALLY different.. generally there is a check icon next to a paper check deposit transaction.. '' She then says.. " Oh ok! That makes sense.. Let me get back to you in 2-3 minutes '' .. 

I wait.. 

She comes back onto the line and says " I regret to inform you that Chase has closed your account and has terminated our relationship with you. We will not disclose any further information '' I followed up with a local branch manager the following day to inquire about the situation only to find out that my account had only been restricted, and worse case scenario I would be able to pick up a cashier 's check for the remaining balance. 

Chase, without my consent, wrote a check and sent my money to the incorrect address.. They claim they notified me via letter but I have not received one.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MN)

Chase is closing my oldest credit card from 2005 without any reasons. Because of this my credit score will suffer. We are looking to buy a house in the next XXXX month. It looks like nobody at Chase care abut consumer. Please look into this practice from Chase. I would prefer to keep this account open. Thanks
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: YKS Acceptance, Inc. (CO)

My husband and I purchased a vehicle from Herbies in XXXX of XXXX. Due to a large car payment we could not afford to maintain the contract. We surrendered the vehicle as a voluntary repossession in late XXXX. The amount of the repo totaled around {$7000.00} that went to collections. This led to a garnishment of my husband 's wages which is our only income because I have XXXX XXXX and I have been denied and appealing to Social Security for seven years now. The garnishment was every two weeks until it was paid in full at the rate of {$450.00} to {$550.00} per paycheck. I know there was a court order to refund consumers per a lawsuit to Herbies/YKS but not to included charge offs. However, I believe that we were still victims of this lawsuit as we did pay off the contract owed to YKS, therefore, we should be entitled to a refund because we paid for these undisclosed fees listed in the court ordered lawsuit. Please notify us of your findings and the reasoning of the results. Thank you very much.
Consumer complaint received 2017-01-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our XX/XX/XXXX monthly payment. On XX/XX/XXXX, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl ; the funds were returned to our account on XX/XX/XXXX. I began the dispute process with my credit union for the overdraft fees on XX/XX/XXXX, and the fees were later overturned by my credit union, as Chase had returned the funds. 
When making our XX/XX/XXXX payment, I noticed it showed that we still owed for XX/XX/XXXX, so I contacted Chase and they advised, both payments were returned to our credit union account. I let them know that we only received one returned payment and they began to investigte. On XX/XX/XXXX our credit union provided us a provisional credit, for the dispute, but the funds have been on hold, since Chase returned the funds. 
I have spoken to numerous reps and managers at Chase and was advised this would not go on our credit as it was under investigation, and now it is reflecting on our credit. Chase is advising they returned both payments, have asked for our bank statements twice and conference calls with our credit union to verify there was a provisional credit given. We have complied with all they have asked and have asked for transaction IDs for the refunds, but Chase will not provide them to us. On XX/XX/XXXX, I spoke with a rep from Chase and he advised he did see our funds there, but could not locate where they went, and " escalated '' my call, but I was told they would have to do research. I let them know I would be contacting them again in the next couple of days. On XX/XX/XXXX, I made another call to Chase, this time with my credit union on the line to comply with their second request for a conference call, and the Chase rep advised she did see that Chase had messed up and our funds were there, but they were not able to locate them. She promised to get everything taken care of and we received a follow-up call from Chase on XX/XX/XXXX advising we are still a month behind. During this time Chase sent us a mortgage assistance packet and a letter advising us on how to avoid foreclosure, however, we are not behind on any payments, and continue to make our payments on time. We do not know where to go from here and want this resolved as well as our credit repaired.
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

I disputed an account with Chase with the XXXX major credit bureaus and directly with Chase. The credit bureaus and Chase both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.
Consumer complaint received 2017-03-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

NOTICE OF ERROR AND REQUEST FOR CORRECTION Chase This is in response to your letter dated XX/XX/XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of Financial Center that initiated the contracts ) on XX/XX/XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XX/XX/XXXX 
3. The rescission was proper, timely, and unchallenged by Washington Mutual in " XX/XX/XXXX ''. 
4. XX/XX/XXXX I put a copy of the same written request in the hands of XXXX of CHASE BANK. Chase did not challenge the rescission in XX/XX/XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XX/XX/XXXX were rescinded and extinguished XX/XX/XXXX. 
7. Chase did not acquire servicing rights from Washington Mutual on XX/XX/XXXX, as there were no loans to service. Chase can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by Washington Mutual FA against my property were effectively rescinded in XX/XX/XXXX and were not a part of Washington Mutual 's receivership by the FDIC in XX/XX/XXXX. 
9. Chase 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to XXXX is unconscionable. 
10. XXXX has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of XXXX '. Fannie Mae had a record of the loans with their corresponding numbers from Washington Mutual from XX/XX/XXXX. 
11. XXXX does not service or recognize the above listed Mortgage contract identified with ID # XXXX. Chase must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. Chase needs to remove the deceptive assignments of Security Deed as Chase did not acquire ownership to convey to XXXX. XXXX gained ownership of the defective paper in XX/XX/XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
Chase has yet to put in the public record that # XXXX no longer secures anything. Loan # XXXX has a zero principal balance. 


XXXX
Consumer complaint received 2021-09-01
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. (IL)

RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.
Consumer complaint received 2016-08-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (LA)

If a consumer does not report authorized ACH entries with sixty days of receiving the periodic statement with the unauthorized transaction, does Regulation E dictate that financial institution must refund the amount of the unauthorized entries occurring with the sixty days of the periodic statement. I am confused with 1005.6 ( b ) ( 3 ) and the official interpretation.
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (CA)

This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? 
unreal! they call asking for me. Also I have never used his number in any bank or credit applications.
Consumer complaint received 2016-05-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (TX)

I moved XXXX and let my recently widowed stepfather and motherless sister move in after me. I left the cable plan going for them, too, which I had with XXXX. 

They bounced checks and did not tell me, nor did XXXX. Once XXXX had had enough, they canceled the service, seized the equipment in person, and put on fees for returned checks, early termination, and for the equipment that was seized. They sent the debt to a company called AFNI. 

AFNI asked that I pay some {$1400.00} for not paying a cable bill - when asked to justify that amount they said I had to call XXXX. I did. XXXX said they charged me for the equipment - I said I 'd pay what I owed, but not the equipment, since my family told me that someone came and took it. XXXX said to wait while they did inventory, and to not pay anything to anyone until they did, and then after to pay them directly. 

I waited. 

XXXX said they found it and the new amount was some {$970.00}. I asked if it was on my credit report yet, they said no. I asked what I had to do to keep it out of my credit report, and did exactly what they said I had to do. They offered a payment schedule plan and I said I could do it in two months, and did. 

After the first month 's payment AFNI put a hit on my credit report. I called XXXX and they said it was a mistake, that they 'd delete it, and that once I paid the rest they would do so. I did. Nothing happened on their end. 

I called back over the course of months trying to get them to do what they said they would do, to honor their original agreement to not put anything on my report or to delete it once it was put on there. I got mixed answers ranging from " some other department will do it '' to " we will call you back '' to " the last person lied we do n't do that at all. '' I appealed directly to the credit agencies and XXXX and XXXX deleted it quickly, without incident. XXXX says that I " settled and paid less than the full amount '' ( I did not, they asked me to pay more than I owed in the first place! ) and that I defaulted ( I did not, I paid exactly as they told me to, and explicitly asked what to do to keep it off of my credit report, and did as told ). 

XXXX states that AFNI claims they own the debt and that it 's mine, despite XXXX being paid by me directly and AFNI 's refusal to work with me regarding the amount I actually owed. XXXX refuses to either delete it or correctly remark that I did not settle for anything, but rather paid what I was told I actually owed in the first place. 

XXXX records all of their phone calls and refuses to give me copies of these calls despite telling me they would in XXXX6 weeks in XXXX. It is now mid XXXX. 

Do not trust XXXX. Do not trust AFNI. Do not do anything without getting it in writing. Stay persistent if this ever happens to you, and do n't try to throw your family a bone after your mother died.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (OK)

Prior to filing bankruptcy last year I had a private student loan through National Collegiate Trust for a sum of approximately {$19000.00}. A year later after my bankruptcy is discharged I get a call from their debt collector and now it is {$30000.00}. How can they charge {$11000.00} in interest in one year, when I took out the loan in XX/XX/2006 for {$15000.00} and it only accrued {$4000.00} over a period of 10 years.
Consumer complaint received 2016-06-25
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate (FL)

FMS ( XXXX, NC ) appears to be trying to pull a bait and switch scam regarding rehabilitation of my student loans. In XXXX 2016, I called FMS to negotiate a repayment/rehabilitaiton plan. After several hours on the phone, including a transfer to a supervisor, I was given a monthly payment amount I felt I could afford and agreed to direct debit from my checking account. I was told I would be receiving forms I would need to fill out and return and was given a list of other documents I needed to submit. Although I made several phone calls and left several voicemails to follow up, I never received the forms to complete. I nonetheless submitted the documents as requested. The monthly payments have continued to be debited from my checking account ; however, in the last week, I have begun receiving letters informing me that documents -- including the forms I never received -- are missing and that the rehabilitation agreement will be cancelled. 

This is clearly a bait and switch tactic, in which FMS lured me into an agreement, took money from me for several months and now is trying to cancel the deal and/or change the terms. 

I am appalled that a government agency like the Department of Education would do business with such shady debt collectors, and I am beginning to feel hopeless that I will ever be able to resolve my student loan default. If this approach is considered acceptable by reputable government agencies, then I might as well plan on staying in default until I die.
Consumer complaint received 2016-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

This collection is for XXXX bill on a house I sold in XXXX, 2016. The bill was not received until XX/XX/XXXX because of mail forwarding and was paid via XXXX XXXX bill pay and the check was cashed on XXXX XXXX, 2016. This was well before Aargon Collection Agency posted the collection to the credit bureaus. Even after I called and spoke to them and sent them the proof of payment, they posted the new collection account for the credit bureaus. They promised to remove this from my credit report, but that has not happened.