davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (WA)

Date : XX/XX/2018 Open : XX/XX/2018 Amount : {$13000.00} XXXX XXXX  put us in collection with XXXX XXXX XXXX XXXX trying to claim that I and my spouse own them {$13000.00} which we're not because we move out before the eviction date which was the 3 days notice they told us on the paper and stick it on our door but we didn't go to court and and court already said that its dismissed but they still want to claim us which we believe its a lie saying XXXX now when we went to the apartment to make sure now they told us to pay XXXX something now as you can see the property trying to tell two different story here and trying to collect the past rent but with the law for Washington state saying that on XXXX also saying if you move out before the expiration date they gave you they should not lay hand on your money no matter if you own them past due rent ... so now my lawyer is trying to see because he told me he don't see any eviction for XXXX XXXX in XXXX WA so now its getting cold and we live in our car because of this.. So please disputed this from all of the three credit from mind and also my spouse credit thanks and may god bless us all thanks for reading this.. 
if you want me to email the paper court please send me your best email and a phone number so i can send you all the document you need. 
and your name thanks
Consumer complaint received 2015-05-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

XXXX XXXX phoned me about a malicious virus i had on my computer and charged me XXXX dollars to have it removed for a lifetime of any computer problems i might have in the future here is his bill he sent through pay pal. Yesterday i got a call saying the same thing from a diffrent company Go To Assist Company telling me the same thing so i went to my first co. and told them about it and they said there 's nothing they can do about it without charging me an addional XXXXTransaction DetailsPayment Sent ( Unique Transaction ID # XXXX ) Original Transaction Date Type Status Details Amount XXXX XXXX, 2015 Payment To XXXX XXXX Completed ... - {$470.00} USDRelated Transaction Date Type Status Details Amount XXXX XXXX, 2015 Charged XXXX Credit XXXX XXXX {$470.00} USDSent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXXXXX amount : ( in currency funded ) - {$470.00} USDYour fees : {$0.00} USDYour total charge : - {$470.00} USDPayment amount : - {$470.00} USDXXXX XXXX XXXX fees : - {$20.00} USDXXXX XXXX receives : {$440.00} USDDate : XXXX XXXX, 2015Time:XXXX PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$470.00} USD to XXXX XXXX with PayPalFunding Type : XXXX XXXX Source : {$470.00} USD - XXXX
Consumer complaint received 2016-04-28
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Red Cedar Services, Inc (NM)

The Creditor, 500FASTCASH500 PAYDAY LOANS, has continued to call me requesting payment after I have legally proved that this is a, " Thief/Fraudulent Account! '' All, " XXXX Credit Bureau, especially XXXX Credit Report, " REMOVED/DELETED '' this account after I had to file XXXX police reports and verified that this account does not belong to me. All documents were also sent to this Creditor of 5OOFASTCASH500 Payday Loan Company twice and they still continue to harass me in wanting payments for an account that has already been, " REMOVED/DELETED from my credit reporting bureaus. If I remember correctly, XXXX was the first to remove them then XXXX Credit Bureau. Please inform this creditor that this account has been disputed legally with police reports and verifying documents that I proved this is, " NOT '' my account! 
Please inform this Creditor that I was a victim of Identity Theft /Fraudulent Activity, in which this is well documented with Credit Financial Protection Bureau , ( cfpb ), Federal Trade Commission , ( ftc ), and the credit bureaus! All disputes and documents, again have been legally filed with my local law enforcement. 
All documents have been submitted and recorded with the Credit Bureaus, and I mailed this Creditor all the information as was required by me. 
" 500FASTCASH500, should have, " ALL '' the documents that were mailed to them as well as whatever the XXXX XXXX XXXX had sent them when they removed this account from my credit files. ''
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase modified my loan, but did not credit me the HAMP incentive for on-time payments per Fannie Mae for {$83.00} and applied to principal for the 1st 5 years and then credit {$5000.00} on my 6th anniversary. We have applied for the 5th year anniversary {$5000.00} payment, but we have not received any credits of {$83.00} toward principal. 
XXXXXXXX XXXX HAMP Modification - Borrower IncentiveIf the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by XXXX % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} ( {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 


The following conditions must be satisfied : The servicer must have provided a HAMP Registration Form and HAMP loan setup data prior to the effective date HAMP modification. 
The borrower 's monthly mortgage payment ratio must be equal to or greater than XXXX % prior to the implementation of a HAMP modification. 
XXXX HAMP Modification-Expanded Borrower Incentive '' pay for performance '' principal balance reduction payment of $ XXXXThe following conditions must be satisfied : the mortgage loan mustbe a XXXX lien conventional mortgage loan that was previously modified under HAMP XXXX be in good standing as defined in Identifying Loss of Good Standing in XXXX, XXXX HAMP Modification on the sixth anniversary of the Trial Period Plan effective date ; andnot be paid in full. 
the servicer must have received an executed Real Estate Fraud Certification ( Form XXXX ) or U.S. Treasury Department 's ( Treasury ) " Dodd Frank Certification '' from the borrower on or before the sixth anniversary of the HAMP Trial Period Plan effective date or XXXX XXXX, 2016, whichever is later.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

This is my secpnd complaint on my account at J.P. Morgan Chase - first complaint # XXXX Chase still has not reconciled my account accurately on XX/XX/2016 a deduction of {$600.00} was taken out of my account because they claimed that on XX/XX/2016 {$600.00} was credited and then on XX/XX/2016 additional {$600.00} was credited this was the reason they claimed they took {$600.00}. I am so so confused my balance still is not correct and their represem\natives can not give me an answer why my balance is not accurate. I live on my pension and ss check, this is my primary account where my insurance, my grandchildrens insurance, my rent and other bills come out automatically I would close account when I can contact the different agencies. This has been very upsetting
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

I have been a good customer of Chase Bank for several years. 
Last XXXX, I responded to a coupon offer from Chase for a {$300.00} bonus if I opened a new Chase Premier Plus checking account. Per the offer, to qualify for the bonus I had to open the account with at least {$25.00} ( I deposited {$1500.00} ) and then have electronic deposits made of my paycheck. I followed the requirements and asked my employer to transfer my earnings electronically as required for the bonus. My employer, XXXX XXXX XXXX, is a small business, but they agreed to go through the extra paperwork to set up the transfer and make the transfers of my earning. For the past several months my earnings have been electronically deposited to my checking account from my employer 's account at the XXXX. 
Although I have fulfilled all of the requirements, Chase has not deposited the {$300.00} bonus promised after almost five months, nor can they tell me if and when the bonus that I have earned will be paid.
Consumer complaint received 2018-05-30
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: ALLY FINANCIAL INC. (FL)

I received a letter of denial from XXXX XXXX for a vehicle I did not try to purchase. The requesting Auto dealership XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on the internet with a valid phone #. My credit report was run by Ally Bank and was denied. The reporting Credit Bureaus were XXXX, XXXX, and something called XXXX XXXX XXXX. XXXX XXXX XXXX The difference on my credit was reported lower with XXXX by 200 points. I don't care about that but what I do care about is I never tried to buy a XX/XX/XXXXXXXX XXXX automobile. This report should never have been run. 
Application Number w/ Ally Bank was XXXX reported on XX/XX/XXXX They gave a phone # on the letter to call XXXX but I was suspicious of this # so I looked Ally Bank up on the internet and called the XXXX  number listed on the web. Of course they do not know anything about it and can not give me any info. They even said they did not have a complaint dept or fraud dept I could speak to ( is that even legal? ). They insisted I give them my DOB and SS # over the phone. I refused and ended the phone call. Also- I do not know who XXXX XXXX XXXX is but there are numerous complaints filed with the XXXX and disparaging remarks on the internet about this Credit Bureau . they list a phone # XXXX but it is also on the letter so I refuse to call it. This has got to be illegal and if it is, I want to know how to fixt this so I can keep them from running my credit report. I think Ally Bank and XXXX are committing fraudulent operations.
Consumer complaint received 2016-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A. (TX)

I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX I 've received multiple offers for a XXXX XXXX XXXX Card with a sign-up bonus of XXXX miles after I spend {$4000.00} in the first three months of account opening. As I 've tried to apply via the XXXX website the sign-up bonus was showing as XXXX miles, so I 've called the Chase customer support number and the representative re-assured me that I 'll receive the XXXX miles, as long as I apply with his support via phone and request the miles to be credited after I meet the spending limit. I 've applied, and met the spending limit before the initial 3 months, XX/XX/XXXX. It has been over a year since I have the XXXX XXXX XXXX Card and I 've never received the advertised offer for XXXX miles, instead my account was credited only with XXXX miles. I 've kept inquiring via the Chase customer support every other week, and I 've spent at least 20 hours on the phone waiting or talking to some of their representatives and supervisors, without any success. During the initial calls the Chase representatives were re-assuring that I 'll be credited for the full amount, as I 've met the spending limit they 've started asking for a copy of the promotional letter, something that they own and should track in their marketing/advertising database, as I 've received a personalized letter on my home address. Nevertheless, during one of the follow up calls, XX/XX/XXXX, I 've shared the promotional code from the letter, and once again I was re-assured that there is a XXXX miles promotional offer associated with my profile and that it will take them another 1-2 months to credit my account. So I 've waited for another couple of weeks only to realize that Chase did n't honor their promise. Today, XX/XX/XXXX, I was told by one of the Chase customer support supervisors that since it 's been over 10 months and they have n't received a faxed/mailed copy of the offer, something that I 've shared with his team months ago, and it was acknowledged, that I 'm no longer eligible and I will not receive the full XXXX miles. I 've informed them that I 'll be raising this issue with you ( CFPB ) and I truly hope that you 'll help me and other customers by stopping these inappropriate practices before they become major issues. There should be zero tolerance for false advertising of rewards that the issuer has no intention or capability to honor. Also Chase should keep track of all personalized marketing offers, instead of playing a dumb, when it 's customers request their benefits.
Consumer complaint received 2015-11-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (SC)

I attended XXXX XXXX of XXXX from XX/XX/XXXX-XX/XX/XXXXI took out XXXX private student loans to finance my education. 
My loans were initially serviced by Nelnet with no problems. 
In 2014 my loans were service released to Firstmark Serviceswhich is a subsidiary of Nelnet. 
I remit payments through XXXX XXXX Online Bill Pay making one payment of {$420.00} monthly. 
The servicer would split the payment and apply funds to each loan. 
I made 10 payments to FirstMark with no issues. 
The 11th payment was only applied to XXXX of my loans. Reason being is that the payment processing computer now can not distinguish between due dates and my entire payment was applied to the first loan coming due. 
I was told by customer service that, due to the due dates being off by one day, XX/XX/XXXX and XX/XX/XXXX, that the payment was only applied to XXXX account and that she could not make the date the same for both loans due to different banks holding the notes to my loans. I was told to send my payment to a different address where a human would apply the payments to my individual loans. I did this for my XX/XX/XXXX payment, submitting it XXXX XXXX, and it mysteriously disappeared for over 2 weeks before it was miraculously discovered on XX/XX/XXXX XXXX and backdated to XX/XX/XXXX XXXX. I would like to add that the payment being found coincided with a rather nasty email I sent Firstmark on XX/XX/XXXX XXXX. Since this date I have mailed XXXX additional payments to the address listed on my statement and thus far both payments have been applied only to the loan that is due on XX/XX/XXXX. I have called and emailed Firstmark and they have shown no interest in correcting this problem. It is my opinion that Firstmark created this problem in order to hinder myself and others in making loan payments. I believe this because the 10 prior payments the computer correctly and automatically split my payments among my XXXX accounts. Why would a servicer change this on purpose? To create more work on the student loan payer by making one have to call or email the servicer each month to have ones payment applied correctly? This is a major waste of my time and is causing undue stress in my life. I also believe, if I failed to call, this error would not be discovered within 30 days and then my credit would be irreparably damaged and thus I would be damaged monetarily.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

I check my credit Report and I found a deb, after I called XXXX and they told me I own some money from a /XXXX in XXXX XXXX the collection company never contact me for no reason I just found out from my credit Report, at this moment I have all the documentation to show I do n't own that bill, but at this moment my credit report got hurt for something I dont own.
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

After pulling credit with a mortgage lender to buy a home we viewed a collection account from  XXXX   XXXX  for {$970.00 } (  Reported by  XXXX  ). This account was a charged off by  SYNCB/Sams Club.    ( Reported by   XXXX   )  meaning it was a tax write off for SYNCB. I am disputing this account with  XXXX  to have  XXXX   XXXX  remove this trade line. SYNCB is " double dipping '' by getting a {$970.00} tax write off then selling the debt to  XXXX   XXXX  for a profit. I would like  XXXX   XXXX  to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.
Consumer complaint received 2017-10-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I had water damage at my house. The insurance company did not pay on my claim but I sued them and won. The insurance company made the check out to me and my mortgage servicing company. The funds, over {$33000.00}, are sitting in my escrow account and have been for 3 months. The mortgage servicing company refuses to release the fund, requiring documents that I do n't have or that were never in existence because this is not a typical insurance claim but the proceeds of a law suit. They also continue to request documents I 've sent electronically and via regular mail. In one call the admit receipt of a form, in the next call they demand a copy of the the same form claiming they never got it. I 've made over dirty calls and they continue to ask for things not relaxant to my case ( they want documents from the insurance company that I can not get because they are attorney client work product. I need my money to pay back the loans I took to fix the house. I need a real pathway to get my funds, not new hoops to jump through every time I call for months on end.
Consumer complaint received 2018-05-30
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)

On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.
Consumer complaint received 2016-11-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (DE)

Hello I have a M & T checking account that is set up for direct deposit for child support, when the first deposit came into my account it took 1 day to be deposited into my account, now my bank is taken 3 business days instead of instant deposit, at first it was the next day, then it was the second day, now for the the second time it 's 3 business days, for instance my children 's child support said XX/XX/XXXX and now it 's XX/XX/XXXX, and no child support deposit and the ignorant thing is my bank wants to blame child support, and child support is saying it 's my bank who 's not depositing it. 
Who is holding my children 's money and why? It 's not any one 's money to make money off my children 's money, in less they 're going to give us a percentage of what they 're making on my babies money over the years. 
I 'm XXXX
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (OK)

I have been a customer of Citi Bank since XX/XX/XXXX, and I have a credit card account with them. My credit card APR standard purchase interest rate has consistently been at 9.99 % until this past XX/XX/XXXX, when it was increased slightly to 10.74 %. I received notice from Citi this recent XX/XX/XXXX that they would be raising my APR standard purchase interest rate to over 17 %. 

Citis explanation for doubling my APR standard purchase interest rate, as communicated in my XX/XX/XXXX statement, was due to : - A reported credit score of XXXX ( from XXXX ) - The number of accounts I have in delinquency - Too few accounts currently paid as agreed The aforementioned explanation Citi provided above is untrue and unfounded. My credit score, as reported by XXXX, is XXXX ( XXXX could not provide me with my credit report ). As per my XXXX credit report, I have been late with ( 1 ) credit card payment in a total of 10 years across ( 6 ) credit card accounts. Additionally, with the exception of this ( 1 ) late payment, all of my credit card accounts report " exceptional history '' with me, including Citi Bank.

I therefore disagree with Citis explanation and associated 200 % hike in my credit cards APR standard purchase interest rate. I contacted Citi Bank today, Friday, XX/XX/XXXX, via phone and I communicated everything Ive written in this message to a Citi bank agent. I asked that my APR standard purchase interest rate be changed back to the previous 9.99 %. 

The Citi Bank agent filed a report and this associated request for me, and she said that it XXXXay or may not be considered by the bank.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX 2015, I went to chase bank on XXXX florida and made a payment to my mortgage and returned back home, as soon as I get home I received a phone call from my small brother who told me that my father who was on vacations in XXXX was rushed to hospital and pronounced dead two hours later. I traveled overseas for his funerals and came back, that situation put me in a very difficult time to pay my mortgage for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I went to same chase bank on XX/XX/XXXX with XXXX payments the bankers told me that they can not receive any payment at that time for my mortgage and then told me I have to call financial dept. I returned to the same branch with XXXX months payments where I was behind 5 months, they told me to contact the financial dept and they stated that I have to call their lawyers to ask for reinstatement of my loan. I did call them, i requested a quote of reinstatement for my mortgage they sent it to me ask me to pay {$5400.00} for my mortgage plus {$3100.00} for lawyers fees by XX/XX/XXXX.