davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AL)

My name Is XXXX XXXX. I had a amazon store card with Synchrony Bank with account ending in XXXX. They stated my closed my account due to 2 sent back payments. I stated I was in the hospital with covid and almost died but I pulled through and lived. I have been with synchrony bank for 3 years and have not missed a payment till now. The last thing I would be worried about is paying a bill while on my death bed, but soon as I got out I called to correct everything. They closed my account without my consent and still want me to pay. Im pretty sure that is a form of discrimination and extortion. I demand they open my account back up. I been a loyal customer to them, then in my time of need, they stab in my back. I already know they gon na write in their response that the contract states something about if you miss 2 payments they can close your account, But the UNITED STATES CODE says that they cant close my account without my consent. Im pretty sure the federal code supersede any and all of your rules. And to be honest the contract is not even binding because its only one signature on it and its mines. Synchrony Bank needs to open my account ASAP due to them violating my consumer rights
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NJ)

We were the victims of credit card fraud perpetrated by a merchant in XXXX. The nature of the fraud was altering a credit card slip and submitting it for payment to J.P. Morgan Chase Bank, as though we had authorized the charge in question. We wrote a lengthy letter to Chase, describing the underlying transaction and the fraudulent conduct by the merchant. The representatives from Chase 's customer service department with whom we dealt robotically went through the steps - likely required by a training manual - did not consider the proof that we had spent hours compiling and then posted the charge to our account. It was patently obvious from the last communication from Chase that they did not consider the information we had sent them.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (TX)

I am writing to bring to your attention the unjust actions of Alliance One, a debt collection agency, which has been relentlessly attempting to collect a debt that I am not responsible for. This debt arises from the unauthorized and illegal use of a vehicle associated with my name. Despite my extensive efforts to resolve the issue with the XXXX XXXX XXXX and the XXXX XXXX Police, my attempts have been disregarded, leaving the issue unresolved. 

Alliance One has committed a clear violation of Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) by continuing their collection efforts without first verifying the authenticity of the debt, despite being informed of the complex circumstances and the ongoing litigation. 

Furthermore, Alliance One has neglected to adhere to Section 809 ( a ) of the FDCPA, which mandates a debt collector to provide verification of the debt upon a consumer 's request. This oversight, coupled with their continued collection activities, has caused significant undue stress and is wholly unjustifiable given the circumstances. 

Given the severity of this complaint, stemming from a debt associated with unauthorized and illegal actions, and the lack of response from the relevant authorities, I am requesting the intervention of the Consumer Financial Protection Bureau. I urge you to investigate the actions of Alliance One and take the necessary steps to rectify this situation. My expectations include the cessation of collection activity and the removal of this debt from my credit report.
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: KEYCORP (CA)

This is a follow up complaint to : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 KeyBank claimed in their resposne that they have resolved this, but my money has still not been returned. I have called the branch several times since the problem has been resolved, but they refused to talk to me. They made it clear that someone from KeyBank would be reaching out to help rectify, but it has been another month and nothing. I am at loss. The company is simply refusing to return the ~ {$XXXX}.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

During the financial crisis of XX/XX/XXXX we had just opened a new XXXX XXXX XXXX. Because it was so new, we had to give a personal guarantee. It hit our industry as hard as the housing, so we had to file chapter XXXX bankruptcy and it was discharged in XX/XX/XXXX. We tried so many times to work with chase home finance for a home modification all to no avail. They would send the making homes affordable documents, we would send in the payments and they would say we did not send in paper work requested, money etc. Over and over again. I started having XXXX mostly because of this. I started sending things certified and signed for just to have them say I sent it to the wrong location. Then the last straw was when I told them I had proof and faxed them the tracking from usps, they said it could be anything in that envelope and it did n't prove anything, I finally gave up. That was XX/XX/XXXX I think. The worst thing though is how they did not foreclose until XX/XX/XXXX. Now we have to wait 2 more years before we can buy a house. It is like being punished twice. They are the ones that caused the whole thing to begin with. They want to keep it in the owners name so it makes the owners responsible if there is vandelism, fire, flood and makes them also responsible for the home owners association dues. The best reason for them to leave it in the owners name is if they foreclose, it has to be shown as a liability on their books, if it is still in the owners name, they can list it as an asset. This needs to change and not show a foreclosure so long after a bankruptcy.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX, XXXX of my Chase credit cards were used fraudulently to make purchases. I spent hours on the phone with the credit card company to sort out the matter. The different representatives I talked to gave me conflicting information as to how the credit card was stolen- one said someone called Chase pretending to be me, requested new credit cards to be mailed and then came to my house and stole it out of my mailbox. Another person said new cards were mailed to an alternative address. I have called Chase back a few times to find out details about the investigation but they refuse to tell me exactly what happened, which makes it difficult for me to protect myself from future theft. 
Chase cancelled the credit cards and mailed me new ones. Unfortunately, on one of the stolen credit card numbers, Chase made a huge mistake- on that card, there were XXXX charges that were fraudulent ( both on XXXX/XXXX/16, XXXX made at Target for {$32.00} and XXXX made at XXXX for {$11000.00} ) but instead of just marking those XXXX charges, Chase marked 4 months of purchases ( from XX/XX/XXXX to XX/XX/XXXX ) as fraudulent. Soon, I started getting contacted from different vendors I have made purchases from with that credit card stating Chase is disputing the charge and refusing to pay the money ( or want their money back ). I started getting emails from vendors asking for alternative payment methods from purchases made several months ago since Chase was disputing the purchases. This causes big problems and Amazon ( one of the Vendors I 've made purchases from with that card ) even froze and closed my account because of this. I called Chase many times to clarify the problem- that 's when I found out they had mistakenly marked 4 months of purchases as fraudulent ( when only XXXX purchases were fraudulent ). I spent countless hours on the phone with Chase, being transferred between different departments. Each time, I explained the situation, told Chase rep all the purchases on that credit card were made by me and not fraudulent ( except the XXXX that resulted in the closure of my account ) and each time, the representative from Chase told me they were going to correct the problem- that the vendors will be paid and this will go away. It 's been 2 months and the problem has not been resolved. I continue to get contacted by vendors stating Chase is disputing the purchases from XX/XX/XXXX to XX/XX/XXXX or have not paid them. There 's even a few refunds on items I have purchased ( and have already paid off on my monthly Chase statements ) where Chase will not refund me the money back because the purchases are being questioned by Chase as fraudulent. I have called Chase multiple times with no resolve to this issue. It is frustrating that nobody at Chase seems to acknowledge their mistake, the trouble it 's causing and attempt to correct it. I am left with vendors that want to be paid, refunded money Chase wo n't give me and questions about how my identity and credit cards were stolen in the first place.
Consumer complaint received 2023-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

I have been trying to sell my home for XXXX years after being turned down by Chase Bank to help with our monthly payment. After XXXX years of waiting for a buyer we finally have someone that wants to submit a fair offer on the home but Chase 's refusal to provide a copy of the new appraisal is holding up the file. That 's all we need to proceed with the buyer 's offer to Chase Bank. Can you please help with this issue?
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXXXXXX, and 60 days on XX/XX/XXXXXXXX. 

XXXX. XXXX XXXX # XXXX 30 days late in XX/XX/XXXXXXXX, and XX/XX/XXXX XXXX. 

XXXX. XXXX Account # XXXX 30 days late in XXXX  XXXX, 60 days in XXXX  XXXX, 90 days in XXXX  XXXX, 30 days late in XXXX XXXX, 60 days in XX/XX/XXXXXXXX, and 90 days in XXXX XXXX.
Consumer complaint received 2015-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (AZ)

I am the co-signer of the loan and I believe the borrower has " tricked '' me into this private student loan obligation by misrepresentation mainly because of my XXXX and XXXX which resulted in bad financial decision. Since my XXXX and XXXX are worsening by every minute the borrower does not pay a single dime and deliberately avoid my calls and his obligation of this private student loan, I have wrote a letter to the student loan lender to ask for " co-signer release '' because of my medical condition. I have not received a response yet from the student loan lender but I highly doubt they would release a me since I pay each payment on time with a stable income.
Consumer complaint received 2017-03-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I am writing to inform you of recent fraud that had occurred on my business and personal accounts. On Monday XX/XX/2017 I was called and alerted to fraud on my business account ; at the time there were XXXX charges in question, amounting to roughly {$1000.00}. I had asked the chase fraud agent at the time to cancel this card and XXXX of my other credit cards that were seemingly missing. But somehow the person committing the fraud was still able to rack up an additional {$9000.00} in charges after my business partner and I had canceled the card with them. And additionally made charges on my personal accounts which I had to call back and dispute later. 

The question at hand is how were they able to charge and additional {$9000.00} when the account was told to be closed. Secondly I was advised by the first Chase Bank agent that the money would be back in my account within 12 hours. Earlier this morning when speaking with a supervisor I was told that it may take up to 48 hours. And then later upon speaking with a Manager I was informed it may take up to 10 days. All of which are completely unacceptable as the fraud should have never increased from the original XXXX charges. 

We eventually recieved our money just to have it withdrawn by Chase Bank again two weeks later. when asked the reason for taking the money out they told us " it was do to account activity after the said issue '' .. we explained we still have other cards with different numbers that were not affected by the fraud and that should have no bearing as the card was cancled, not the account. 

I have written multiple emails and may business partner has been calling multiple times without and response or help. By phone we just keep getting told its in legal and that there is no one to talk to. I could maybe understand wanted to still investigate the first 3 charges, but the charges that occurred after we had both spoken to a representative and canceled the card is absolutely ridiculous. How are we responsible for banking negligence? 

I am a XXXX with several business accounts and personal accounts. I am reliant on that money to pay employees, rent and vendors. I know Chase Bank has always been a strong supporter of XXXX banking but their seems to be something seriously wrong with this process. Should I inform my employees that there will be no pay checks this week because someone did n't stop the fraud on time? 

best
Consumer complaint received 2016-06-08
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (FL)

We have learned that JPMC acquired the banks but it was not a " Merger '' so therefore this was not a Financial Qualified Contract. When WAMU collapsed, JPMorgan Chase became the servicer. When we made queries about the new owner, JPMorgan Chase claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to XXXX XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. XXXX then flipped it to another subsidiary of their company. When we called the FDIC and the XXXX, they XXXX referred us to CFPB because this is all debt collection. Additionally, we learned that Washington Mutual Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for WAMU and Chase and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report
Consumer complaint received 2023-02-09
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-10-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/15 my car was broken into at a park in XXXX XXXX ( XXXX, FL ). The thieves took my entire purse/wallet which held my license, Chase, XXXX XXXX, XXXX XXXX XXXX XXXX, insurance cards, car registration etc. Police report was filed ( XXXX, XXXX XXXX ). I immediately called my card companies, XXXX XXXX being 1st, then Chase. Chase was notified that both my Temporary card and inactivated debit card ( I had just received it ) along with wallet and everything was taken. Employee told me she canceled both cards and would not be able to send a new one via mail due to my account being relatively new. 
Friday XXXX/XXXX/15 my new XXXX XXXX card arrived and I called to activate it, XXXX I went to do groceries, new card declined - I called XXXX and they notified me they had an imposter at the bank earlier the same XXXX & the XXXX took ID and Card, ( @ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Branch XXXX : XXXX XXXX XXXX ) - she advised to check other ACCTS I had in wallet. Immediately checked my Chase app and remaining balance was {$0.00} ( they withdrew {$750.00} from my account ). I immediately called Chase, told them everything ( how I found out via XXXX XXXX etc ) and filed a claim ( CLAIM # XXXX ). I was told to call back for address of branch when " transaction processed '' - Saturday morning ( XXXX/XXXX/15 ) .. I checked Chase APP and it was processed, called back claims department for branch address where withdrawal occurred ( @ CHASE, XXXX XXXX XXXX XXXX XXXX FL XXXX ). To my surprise, even after both incidents my account STILL HAD NOT BEEN FROZEN for my security/protection.. until I called back XXXX Morning ( even after calling regarding information theft on XX/XX/XXXX and imposter on Friday XX/XX/XXXX ). The freeze did not take place until XX/XX/XXXX. On Friday XX/XX/XXXX I called to see the status of my claim and status of the credit to my account - to my utter shock I was told my claim was DENIED, a FIRM DENIAL ( wont be reversed ) due to " My lack of care ''? I told them XXXX banks were provided same information, same day and how could this be.. not to mention the LACK OF CARE on THEIR/CHASE part that they did not FREEZE my account or put an ALERT when I called with information regarding THEFT and SUBSEQUENTLY with a claim that they had an IMPOSTER which withdrew all my funds. I cant fathom this is appropriate? We do not live in a corrupt 3rd world country, where are the consumer/customer rights? Where does the line cross where the institution is negligent and acting inappropriate and against the proof where everything is documented? Phone calls, police report, XXXX banks with same information same client with different actions? Please let me know what can I do from here. Whether it was {$50.00} or $ 1500+ its the principle that Chase is not abiding by what an insured Bank claims to provide. I am in utter shock of this decision and the events that led up to this writing. I hope to hear from you soon -
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KY)

Became XXXX and could n't repay. Due to a rule that a XXXX  person must have review date longer than 5 years on their case. Mine is 3 years. I 'm XXXX XXXX and receive XXXX payments from the federal government. If a person on XXXX XXXX and they have a XXXX XXXX or XXXX it should n't matter the review length.
Consumer complaint received 2016-05-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I cosigned for a private student loan XX/XX/XXXX for my brothers wife. They split up soon after and divorced XX/XX/XXXX. She has paid the loan and been behind on payments as well. The loan has gone from XXXX XXXX to Navient. It 's has been XXXX years. She had also put the loan in deferment, I believe for 2 years .This I did n't know about until recently. She is grossly behind on her payments and Navient is coming after me. My credit score has taken a nose dive. I had excellent credit XXXX now to XXXX. I should of been released from this mess along time ago. The divorce alone should of been enough. I have never made any payments for her and we do n't stay in contact. I have n't spoken to her in 9 years. Now I have to contact her to see what has been going on. This loan should of been on its way to a pay off point or fairly close. Her balance is XXXX. What has she done in nine years? Now I 'm paying for it literally. I have not paid a bill late in XXXX years and I took pride in having great credit. Now I 'm contesting my credit score with XXXX and XXXX. This is crazy how in 2-3 months a person can be ruined. Well I 'm fighting back this is not even close to being right or final. I do pay my bills and I mean my bills. Navient needs to work with her instead of going after someone else for payment. She was making little payments like XXXX to XXXX a month claiming that is all she can afford. Now is n't that better than the loan going into default and getting nothing at all. I know one thing I want to be released from this loan and I wo n't be making this on time payment. I have never made one payment for her and I wo n't start now. I have helped my daughters in the past with student loans and they managed to pay them off themselves. I 'm not related or know this person anymore. Help what can I do? Is there anything? My ex sister in law has agreed to try to have me removed from the loan. Not much of a chance in that I 'm sure.