davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (NC)

This is a multiple issue report on Greentree Servicing. Greentree purchased my personal loan from XXXX ( despite me paying XXXX every month ) and has been terrible ever since. The XXXX call I ever received from them was a threat to go to court, despite having never heard of them or being aware that XXXX had sold my loan to them. Past issues with them include them directly lying to me about filing for a deferment that they suggested because I was short on work that XX/XX/XXXX so they said they would give me a deferment and I would n't have to make a payment in XX/XX/XXXX ( this was request was never even filed by the representative ) and recently filing one for two months, and telling me that it was for two months, but it only being approved for one month and no communication of the arrangement being changed until they began calling me asking for the payment that I was n't supposed to have to make. They call every couple of hours from XXXX different numbers ( XXXX in XXXX, XXXX in XXXX ) within ten to twenty minutes of the other call. This company is terrible at working with borrowers and make you feel threatened and belittled at any chance.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

Have fallen behind on mortgage due to inadequate employment. Retired person on fixed income ( Social Security and retirement pension ) and received notice of intent to foreclose by loan servicer, CHASE, on XXXX XXXX. Have active application in process for loan modification that has been dragging on for 5 months. Have submitted numerous requests to CHASE for additional information that seems to be delaying tactics. 
XXXX.
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: JPMORGAN CHASE & CO. (NY)

I had a student loan with Chase back in 2006. At the time I was going through financial difficulties and did not pay. Because of that, my student loan went into default. I have since applied for a mortgage and was told this loan had to be resolved in order to go forward in the pre approval process. I have spent the past month calling numbers, leaving voice mails, getting passed back and forth and still have not been able to talk to someone to help resolve this loan. Chase tells me all private student loans were sent to XXXX and XXXX is telling me they were never/do not have my account.
Consumer complaint received 2016-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MA)

On XXXX/XXXX/15 I issued a request through a Nelnet customer service representative to change my payment due date from XXXX/XXXX/15 to XXXX/XXXX/15 and explicitly confirmed that it would be in XXXX and not XXXX. Yet my next payment is due XXXX/XXXX/15. This is the second such occurrence where I issued explicit instructions, the student loan servicer representative confirmed the change, and a different change was made.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

Dear cfpb, after the real estate market crashed in XXXX XXXX California in XX/XX/XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brook.. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and mortgage payments. I had also used my chase/wamu card to pay my chase/wamu mortgage. So after I became default with my credit cards by XX/XX/XXXX and XX/XX/XXXX. Chase sold one of my credit card debts to XXXX / XXXX XXXX on XX/XX/XXXX. And XXXX file a lawsuit and got a judgment on XX/XX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that Chase have had some agreements with CFPB and state attorneys general. But because chase sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. On XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
Consumer complaint received 2023-02-26
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. (IL)

My name is XXXX XXXX and I am a victim of identity theft!! Please add a fraud alert on my credit as soon as possible to stop this!! I was researching " The Fair Credit Reporting Act '' and according to them, block all fraudulent information off my credit in four business days, thank you!!!
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (MO)

After my complaint to ConsumerAffairs on XX/XX/2009, I have filed my complaint to SEC on XX/XX/2009 to get their attention, because what Scottrade did might cause their customer loss like me. After Scottrade rejected my request for their response in writing ( They said that they only give me when SEC inquiry to them ), I faxed my written request to Scottrade branch and ask them to forward to their compliance department for writing their response. 

I have sold some of my stocks on XX/XX/2009 and sold all rest stock on XX/XX/2009. Those fund about {$3000.00} from sold stocks on XX/XX/2009 should be available in yesterday ( XX/XX/2009, XXXX ), but today ( XX/XX/2009 ) I have found that my fund is still not available to me due to Scottrade freezing those fund. I called Scottrade branch and they said that those fund should have available but then they changed to that my fund, including those sold on XX/XX/2009, will only available to me on XX/XX/2009 ( XXXX for my XXXX stocks selling ). 

Scottrade freezes all my fund without any legitimated reason. And I plan to pull all my fund out and to file a second complaint to SEC. I believe that this event should let all investors know, therefore, I file this complaint to ConsumerAffairs again.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CO)

We have a Chase Amazon.com Rewards Credit card. I had a declined transaction today. I phoned Chase customer service, eventually speaking with a supervisor XXXX XXXX. I made a payment through our bank 's Bill Pay on XXXX/XXXX/2015. I balanced our checkbook today, their {$300.00} payment cleared our bank on XXXX/XXXX/2015. The due date was XXXX XXXX, 2015. Please note that we made a {$4000.00} payment in on XXXX XXXX, 2015, so it was n't a late payment leftover from XXXX. 

I questioned if there was a " grace period ''. XXXX XXXX stated that the grace period is already built in. I have never had an issue with a credit card where when the payment was 4 days late, having made a {$4000.00} payment the month prior, the card is unusable as of the due date printed on the statement which was XXXX XXXX, 2015. 

Is it legal that the moment a credit card payment is late, they decline any transaction until the payment shows up ( which, according to my bank, this payment for XXXX has already cleared Chase 's bank )? 

Thanks in advance for your help with this matter. 

XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, Chase did not correct the error, so I called Chase and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, Chase left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bayview Solutions LLC (CO)

A debt collector named  XXXX   XXXX   XXXX . held a credit debt under my name. I made several payments to the debt collector and made a final settlement arrangement of {$1200.00} to close to the debt. That payment was made to  XXXX   XXXX  on  XXXX .     My wife and I were contacted by a law firm called  (   XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX , on  XXXX , stating they had a property complaint regarding our address and we needed to be available to receive property complaint papers between the hours of  XXXX . I called the number at my earliest convenience to learn  XXXX   XXXX   XXXX  on behalf of Bayview Solutions LLC were trying to collect on a credit debt matching the one paid over fours years prior. Stated they would cancel summons paperwork if I paid the amount of {$2100.00}. I reluctantly paid the amount to avoid legal action or property disputes, but stated I had previously paid his debt.  XXXX   XXXX   XXXX  as well as  Bayview Solutions  stated I would be provided with a summary of charges after payment. The only statement I 've yet to receive does not show a summary.     I personally tried to trace back through several debt collection agencies where this bill might have gone wrong. The  two com panies involved seem to be interested in helping to resolve the issue but are never motivated by time and always have another request after  one is met. The Debt in question was received by Bayview Solutions  by  XXXX   XXXX   XXXX  on  XXXX  of   XXXX   with a balance of {$1500.00}. I 've been told by  Bayview Solutions th at they could refund my payment of {$2100.00}, however, would not close the debt in question.     I would like to know why I never received a notification of debt fro m Bayview Solution LLC, and  never heard of debt in question until be contacted on  XXXX   XXXX    XXXX  ? I would like to now why they are collecting on a debt that has already been settled upon. I would also like to know why I had to pay more than my original debt in it 's entirety, {$520.00} more than the amount passed to Bayview in  XXXX  of   XXXX  , and why I ca n't seem to get a document stating the breakdown of payment?     I will attach all records I have of all known payments regarding this account, and a copy of debt settlement and closure by  XXXX   XXXX   XXXX .
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (VT)

EOS-CCA is illegally trying to collected a debt in a state that they are not registered to do business in. Per Vermont 11A V.S.A. 15.01.
Consumer complaint received 2020-04-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I took a Parent Plus loan for my daughter to attend college. I borrowed {$21000.00} I have paid back {$31000.00} over 20 years, which is 50 % more than I borrowed. During the course of the loan I had to get forbearance and deferment due to lack of work and reduced wages. When I called to discuss this they did not disclose the amount of interest that would accumulate over the course of the loan. I am now retired and living on social security which makes it difficult to make the large payments they are requesting. Today the balance of this loan is {$61000.00} not being paid off until XX/XX/XXXX paying back a total of {$100000.00}. It does not seem practical that I should have to pay back 5 times the amount of the loan. I feel that I have satisfied my debt. I think they should forgive the balance of the loan.
Consumer complaint received 2022-08-04
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. (TX)

EQUIFAX is in violation of violating consent and my privacy in distributing unauthorized and incorrect information on my behalf. They have been unfair, partial and irresponsible with my personal information that was not authorized by me. 
In fact, after reading recent congressional findings EQUIFAX has demonstrated that they are in fact representing themselves as a financial institution by association. In turn they have been irresponsible with my personal information and it was redistributed with out my consent and involved XXXX a breach. 
I demand that they cease and desist any further unauthorized distribution of my personal information. It continues to damage my ability to conduct my personal and financial business.
Consumer complaint received 2015-08-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2015, at XXXX I attempted to deposit {$550.00} cash into the ATM located outside of the Chase Bank in XXXX, NY. The money was drawn into the ATM in exchange for a receipt stating " The ATM has experienced a technical problem. To confirm that your deposit was completed properly, contact a Chase Representative... '' I immediately thereafter went into the bank and spoke with XXXX XXXX. I was provided a Claim Number and told to follow up in three weeks. On XXXX XXXX, 2015, I returned to the bank and spoke with " XXXX '' and was told that my claim had been denied. XXXX left to get the Bank Manager ( XXXX XXXX XXXX and I was once again asked to followup ; however XXXX stated it was " doubtful '' that I would ever receive my money because so much time had passed. My attorney contacted XXXX XXXX and XXXX XXXX indicated that I needed to submit a complaint through the Dispute Department at Chase - something I was never told on two separate occasions of trying to resolve this in person. I have attempted a resolution by way of my personal attorney but neither of us has received any response.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. 
I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My loan was serviced by Greentree previously and than transferred to Ditech on XXXX/XXXX/XXXX. I have 2 complaints : 1. I realized I did not receive my XXXX when completing my XXXX taxes so I requested online. I received multiple letters telling me that they were " in the process of reviewing your request. Our research has not concluded. '' What research was needed for printing a XXXX to send? First week of XXXX, I received 1 letter size envelope and 1 legal size envelope. They both contained printed copies of 12 monthly statements rather than the XXXX I requested. It took 2 months to have 2 different people taking copies of my statements rather than sending me the XXXX? 
2. My last payment is due this month. I tried calling 4 different days and times to ask if the final payment needed to be mailed and to stop the auto payment. The recording indicated it could not process my request since my loan was recently transferred and it would take a couple of weeks to receive the paperwork. My loan was transferred almost a year ago ( in XXXX )! There was no other options given on the recording to speak to someone. It just said " good-bye '' after the other message. I went online to make an online payment. It did not work. At this point, I was in a panic so I went to USPS and mailed my final payment check for next day delivery ( paid {$27.00} ). My account shows the check cleared XXXX/XXXX/XXXX. However as of today ( XXXX ), the payoff is still not reflected on my account. 
As you can see, I made every effort to make my final loan payment. However, Ditech made it impossible to speak to anyone or make my payment on time. I believe this was way for them to show me delinquent on my last payment and to charge me late fees. Just like Greentree before them, it shows the incompetence ( sending monthly statements rather than a XXXX ) and the shady way of doing business ( to have my loan go delinquent and to charge a late fee ).
Consumer complaint received 2023-02-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

i told citi bank many times in many ways my tenant defaulted. 
and damaged the house. 
i have aXXXX history with this bank as far as my payment history. 
i have no idea why someone went to my house to inspect the house. and now i have a fee. I will not pay for that nor was there a reason to go to my home to inspect it. i was in communication with this bank as to the exceptional circumstnaces. there is so much red tape they have insisted on credit reporting and this. which means no more business with them. i am enraged. not poaying these fees when at no time was i told about this or was such a visit needed to my home
Consumer complaint received 2015-03-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (LA)

I received a phone call at XXXX XXXX XXXX, 2015 from a XXXX XXXX who said she represented Delaware XXXX which is a law firm, supposedly. She said she had a summons for a court appearance but said if I agreed to make payment arrangements she would confer with the other attorneys to stop the summons. My boyfriend stopped me from giving her my banking information, I gave him permission to speak to since he has some training in law. She got very hostile and rude. He hung up with her and told her not to call back in front of me and my mother. She called back about five other times all with the intent to harass me in violation of the fair debt collections act. I finally told her to stop calling and that it was being documented each time she called and she hung on me. I also asked for written verification of the debt and she refused to give it, all she said was she would refer the matter back to the attorneys if I did n't make a payment.
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WI)

My telephone ID states " Bloomingdales. '' When I pick up the telephone it is Macys. Macys is trying to collect a fabricated debt. Alternatively, I will get a " Private Caller '' on my telephone ID and it is Macys. 
I am on the National Do Not Call Registry. My understanding is Macys is not allowed to harass me with repeated telephone calls.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MD)

I have never received any credit card from Citi Costco. When I applied loan for mortgage, I found I have late payment. I called citi credit card without even knowing my credit card number. The address and phone number associated with the account is not correct. I never received any statement from Citi. I was told there was {$50.00} balance from previouse XXXX card with Costco, and the balance transferred to Citi. I did not even know this. I was charged over {$100.00} late pay and interest. I made full payment immediately and request to close my account. I request a letter from Citi to explain the situation that I have never received any paper statement or even the credit card because the address is not correct so that i can submit a dispute to credit beureau to correct my credit score. I was told by Citi credit card they could not do anything. they were very rude and did not help.