davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I had {$41000.00} taken out of my medical business account with a fraudulent wire transfer. Someone called my office around XXXX on that day and spoke to my front desk and office manager stating he was from Chase and wanted to inform me of fraud. He verified information with me that HE had including DOB, SSN and account information. I did not give him any information. I was suspicious and hung up and called Chase fraud department before XXXX and they stated a {$41000.00} wire transfer was going through..I told them it was fraud and to cancel it and make fraud claim. I was not informed or notified of this activity to confirm transfer. I subsequently realized my phone was missing during this time period and was subsequently found in the bathroom of my office later in the day. I subsequently received an email hours after I reported fraud that the wire transfer I disputed was going through. I reported this fraud to police as well as AG. Police noted call was to my cell which was inaccurate but subsequent report notes loss of phone. I went to bank branch next day and advisor sent in paperwork which I found out later was the wrong paper, I went back a couple of days later to file the paperwork again. On XX/XX/2023 I was informed that they were unable to reverve transfer and denied the claim stating that I benefitted from this fraudulent transfer.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

The bank agreed to a shortsale. The value they want is not realistic and is not giving me a fair chance a short selling my home. The bank keeps delaying the process and the values in the area have gone down since the appraisal. The foreclosure sale scheduled for XXXX XXXX was cancelled but the Judge would only reset the same to XXXX XXXX, XXXX reasoning that it was plenty of time to close and Plaintiff 's counsel ( although there was a short sale approval ) still objected to the sale being extended any longer. They wanted it sooner, even though the short sale department has agreed to stop the foreclosure. They are purposely delaying the short sale so they can take back the house. I 've been fighting with them for a modification since XXXX and we all finally agreed to the short sale. It is obvious that this wo n't close by XXXX XXXX as the prospective buyer is involved in a value dispute with the bank.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (CA)

I have asked for a monthly statement over the year only to be told many different reasons why I ca n't have one! I believe any would want to know where their money goes it seems it should be my right? they used to send them what happen? another thing that raises my eyebrow is this tax year I repeatedly asked for a XXXX only to be told I did not pay interest and that they would not provide one ... one last thing I have registered to log into my account but there is no information no payment history no balance nothing ... .another interesting thing is last year I applied for a car loan and told the officer that I have a home for the last 15 years he said it was no where yo be found in my credit history ...
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IL)

I had an account with Citibank. The account was closed and paid to a {$0.00} balance. Unknown to me - Citibank reopened the account to accept charges from the XXXX. The account was again brought to {$0.00} and closed again with instructions to never reopen it. 

Without my permission - the account has been reopened and several hundred dollars of fees are applied to the account - but Citibank can not produce any purchases
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

Been fighting with CitiMortgage for a modification since XXXX ; Hired an attorney to assist ; Modification keeps increasing amount due which is unaffordable ( $ XXXX/month ). Now forced to short sale ; lender keeps losing docs & saying they did n't get them which delays process ; Lender did exterior appraisal only, inflating value without seeing inside work needed. Feel like they are purposely not trying to help me short sale house. They are discriminating against me and do not want me to keep my home as evidenced by the their unwillingness to work with me on both a modification & the short sale. I have been in the home for almost 16 years. Foreclosure sale scheduled for XXXX/XXXX/XXXX.
Consumer complaint received 2021-01-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I applied for a Wells Fargo Home loan on or around XX/XX/XXXX with all the documentation requested : my bank statement, certificate of eligibility, settlement closing statement from previous home sold, letter of explanation regarding my commute distance. I was orginally handed over to XXXX XXXX from XXXX XXXX. The communication became limited because I started to ask questions. My credit score is XXXX and i am financially qualified. I had received a job offer from the FBI and declined the offer and applied for the Department of Homeland Security and NASA in which i was both referred. I currently work at the XXXX XXXX - thje commute would be 1 hour and 43 minutes. I currently commute 1 hour and 25 minutes. I do not own any real estate and this is the house I desire where my family resides. The problem on them delaying approval is commuting distance. This is my primary residence. I have bounced from representative to representative. I was told during thre process the appraisal was not scheduled, when it was scheduled. This is conflicting views for what the company stands and conflicts with views and values as a U.S. XXXX Veteran. 

XX/XX/XXXX XXXX XXXX XXXX U.S. XXXX Veteran w/XXXX  ) XXXX XXXX XXXX XXXX, AL XXXX Mobile : ( XXXX ) XXXX Attn : Wells Fargo Mortgage Underwriting I am writing this letter only as requirement of the condition of a mortgage approval for the primary residence located at XXXX XXXX XXXX, XXXX, AL XXXX. The following requirements below were verbally communicational to me : o Excellent credit history of XXXX o No current mortgage o Debt to income ratio is less than 30 % o Financial capacity to handle the loan requirement through fulfillment ( VA XXXX ) o Full-time stabilized employment : XXXX XXXX XX/XX/XXXX o Commute Distance : I currently commute from AL XXXX residence to my place of employment at XXXX XXXX, AL XXXX which is 78.6 miles equating to 1 hour and 25 minutes. XXXX, AL will be my primary residence to reside and commune until the Federal government screening process as far as job offers. 
o The commute from my place of primary residence, AL XXXX to place of employment at XXXX XXXX is 105 miles which equates to 1 hour and 43 minutes o Difference in commute is 18 minutes per XXXX XXXX o Applicable in accordance with the Fair Housing Laws-familia status o My previous VA approved home loan : The property at AL XXXX is in a location that makes sense in relation to stable employment contains characteristic that suits the needs of my immediate family. 
o I do not own any other real estate in XXXX, AL nor anywhere else in the USA o Submission of updated COE Respectfully Submitted
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (NY)

I have a BP credit card that advertises rewards for either XXXX, XXXX, or XXXX cents per gallon depending on what you purchase. I have no issues with credit when I purchase gas at a BP station, I get credit at XXXX as advertised. The issue is when I purchase other items, they either reimburse at the wrong rate or not at all. They claim a railroad ticket or a taxi is not transportation so not reimbursed at the XXXX cent rate. Also, they make it extremely difficult to match up a purchase to what was rewarded back to the customer. Purchase history is on one site and reward history on another site and of cousre there are delays in reporting. Then customer service claims they have no view into rewards, which of course is not true, if I can see it they can see it.
Consumer complaint received 2016-03-16
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP. (TX)

MY HUSBAND XXXX XXXX XXXXPURCHASED A MOBILE HOME IN XXXX XXXX XXXX { NOW OWNED BY YES COMMUNITIES ] IN XXXX/XXXX/2010 THE CONTRACT WAS THAT WE STAYED IN THE COMMUNITY FOR 4 YRS. WE ASKED ABOUT MOVING A LITTLE BEFORE THE FOUR YEARS WERE UP AND WE ASKED WHAT WOLD BE THE CHARGE TO MOVE OUT EARLY. I RECIEVED AN E- MAIL OF THAT PART OF THE CONTRACT FROM AN XXXX EMPLOYEE NAMED XXXX . WHEN I GOT THE COPIES I NOTICED THAT MY HUSBAND SIGNATURE WAS FORGED BY XXXX XXXX I HAVE THE COPY. SHE SIGNED MY HUSBANDS NAME ON THIS DOCUMENT, AND WE NEVER HAD THE COPIES IN OUR ORIGANAL PAPERS. WHEN WE CINTACTED XXXX XXXX THEY WOULD NOT RESPOND. WE WENT TO A LAWYER AND FOUND SOMEONE TO TAKE IT ON A CONTINGENCY. 
IT HAS NOW BEEN OVER 2 YRS AND THEY STILL HAVE NOT COMPLETED. MY HUSBAND AND I WANT TO MOVE FROM THIS COMMUNITY, BUT I HAVE BEEN TOLD WE CAN NOT MOVE THIS TRAILER NOW UNLESS WE PAY IT OF????? THIS WAS TOLD TO ME BY 21ST MORTGAGE OUT OF KNOXVILE TN.. WE WANT JUSTICE FOR THIS AND NEED AS SOON AS WE CAN TO RESOLVE THIS ISSUE
Consumer complaint received 2023-02-26
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. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (VA)

I have a group policy with XXXX which covers all the real estate we own. We pay the policy since it covers a number of properties. XXXX service only one of the properties. We forwarded a copy of the declaration with all of the properties listed approximately seven ( 7 ) months back showing the property they service is included and insured. XXXX took it upon themselves to send a check to XXXX of {$3300.00} for the total premium and then initiated another escrow analysis increasing our payment. The premium for the property serviced by XXXX is {$400.00} of the total premium. I returned the check to XXXX and requested that they void this new escrow analysis. They will not address this error but continue to request a payment increase stating I am behind in payments and threatening foreclosure. In addition to not addressing and correcting this error I was given instruction on how to request a waiver of escrow which they granted XX/XX/XXXX. XX/XX/XXXX statement there was {$1600.00} in the escrow account. XX/XX/XXXX escrow balanace was {$5700.00} and XX/XX/XXXX statement escrow {$5900.00}. After agreeing to waive the escrow, our payment was adjusted to {$910.00}. XX/XX/XXXX XXXX began applying our payment {$940.00} as partial payment. Which we never adjusted because we expected the difference to be applied to principal. Thats not happening. After waiving the escrow we was refunded {$960.00} from the escrow account XX/XX/XXXX. What happened to the {$3300.00} returned to XXXX and why am I in the rear on my payments when I am faithfully sending my payment monthly. What happened to the {$5700.00} that was in escrow? I understand {$3300.00} was reapplied to correct the {$3300.00} that was errorously mailed to XXXX - where is the difference? They will not talk about this error but continue that we are behind in payments and we continuously send {$940.00} monthly.
Consumer complaint received 2016-05-13
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NC)

I have a home mortgage with XXXX XXXX & got behind on payments. I was working with an XXXX XXXX & was told to send {$5000.00} & it would bring my account current. I sent the funds in the form of certified checks from my bank, XXXX XXXX XXXX, broke down into XXXX checks like I was instructed to & mailed where I was told. I sent XXXX overnight & have proof of delivery & copies of these checks. They were wrote out to XXXX but XXXX XXXX never received these funds & it was never credited to my account. Instead these checks show being deposited into " JP Morgan Chase Bank '' I have never had an account with Chase Bank. This was done XXXX 2014 & now this total with XXXX XXXX has accumulated to {$28000.00} due to getting further behind, lawyer fees, foreclosure fees, etc.. because we were trying to modify our payment & that did not happen when JP Morgan Chase Bank allowed whomever to deposit these checks into their account. I along with my bank ( XXXX XXXX XXXX ) have reached out to JP Morgan Chase Bank to return these funds, get information on who 's account these funds were deposited into and they have been very uncooperative. JP Morgan Chase Bank refuses to give me my money back & claim that the certified checks were XXXX party when they were not. The checks were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not receive them.
Consumer complaint received 2016-01-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CT)

It has just been confirmed through the XXXX that the consumers loan is contained in pool number XXXX which is contained in the Mortgage Backed Security with a XXXX number of XXXX was delivered to the XXXX on XXXX by JP Morgan. This is not what is being represented in a foreclosure court case involving the consumers. The Consumers were not disclosed the involvement of JP Morgan and do not have a contract with them. The Closing of XXXX XXXX, 2009 used a false Lender within the Note and Mortgage which invalids the alleged contracts in light of the new evidence. Consumer was also alerted to the fabrication of a second Note and Mortgage containing different signatures of the Consumers which has been verified through Forensic examination. The Servicer, XXXX has confirmed that the Note and Mortgage in their database is not the Note and Mortgage in the above referenced Court Case. The Servicer/Plaintiff is pleading that it is foreclosing for itself which is fraud upon the court. We request that JPMorgan submit copies of the Note and Mortgage delivered to the XXXX on XXXX and explain why they are not litigating the court case as there is an obvious cloud on consumers title as JPMorgan is not listed on the note or mortgage and is not in the chain of title yet has benefited by consumers loan documentation. These nondisclosures, fabricated notes and mortgages, and wrongful foreclosure are violations to the consumers on a grand scale.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank XXXX : XXXX I closed the account when I was having an issue transferring money to my account. The amount I transferred was {$410.00} the remaining balance which later I received a letter that I owed. Once I went into the branch and they looked over both accounts it was handled. I never owed Chase any money the previous amount removed and the bank teller did not close the account properly.
Consumer complaint received 2017-02-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

My home mortgage has been with JP Morgan Chase since XX/XX/XXXX. In XX/XX/XXXX I started trying to modify my loan. Chase told me I needed to be behind in my payments & were willing to let me miss my XX/XX/XXXX payment. Again in XX/XX/XXXX they told me to skip a payment. They lowered my payment and told me they would tack on the missed payments to the end of my loan. For 6 months I paid the required payment on time or early, then in XX/XX/XXXX I got a 2 week notice that they had sold my mortgage to XXXX. This company claims I missed my XX/XX/XXXX & XX/XX/XXXX payments to them ( I 'd never heard of them in XX/XX/XXXX or XX/XX/XXXX ) and they demanded I pay XXXX, plus my XXXX payment before XX/XX/XXXX or they are going to foreclose. I have made several attempts to contact Chase, mail, e-mail, phone, they act like I never existed, I even tried to refinance with a local company to get away from XXXX as they have over XXXX complaints & several lawsuits against them, but since I now have 2 missed mortgage payments on my credit report I ca n't refinance either!
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

In XXXX XXXX I entered into a loan agreement with Washington Mutual Bank FA. JPMorgan Chase allegedly started to service the loan after Washington Mutual Collapse on XXXX XXXX. On XXXX XXXX, XXXX I sent to Chase Registered Return receipt, a Detailed XXXX Page qualified Written Request ( QWR ) Regarding this loan. Chase did not provide the information as was requested other than a form letter indicating ; " That they are investigating issues and will work to provide a complete and accurate response '' On XXXX XXXX XXXX, I sent JPMorgan Chase A Rescission letter indicating my wish, desire and right to cancel the loan originated by WAMU under the Truth In Lending Act TILA. I further sent XXXX XXXX on XXXX XXXX XXXX a copy of the letter that was sent to Chase instructing both parties to cease all collection activities on this loan and to comply with the dictates of TILA. Neither Chase, or XXXX has complied. Instead, Chase and XXXX has continued to pursue its collection activities in the circuit court where they obtained a judgment and the district court of appeals where the judgment was XXXX XXXX. Chase and XXXX also deployed the services of XXXX XXXX to achieve their endeavor. Chase and XXXX has now filed papers in circuit court on XXXX XXXX, XXXX to schedule a sale date on my home. I have been forced to defend these collection practices by Chase, XXXX XXXX, and XXXX even though to date, Chase has not produced one scintilla of evidence that they are the Owner and Holder of this loan, or their right to enforce the note. Instead Chase and its lawyers named have continued to violate my rights under TILA and the consumer protection that such regulation affords me.
Consumer complaint received 2017-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I sent three certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: COAST PROFESSIONAL INC (PA)

I was contacted by a third party collection agency named " Coast Professional '' to make payments to my XXXX. They have taken XXXX out of my bank account for 7 months. I am now being told that I am at risk of defaulting. I have been unemployed since XXXX. When I called them to stop taking money out they gave me a website " mydebted.gov ''. When I called XXXX servicing back they said that is not the correct website. I am emailing coastal professional a ceases and desist letter.