davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (DE)

Due to hardships, was unable to make the XXXX XXXX payment of XXXX to Chase bank. Applied for a modification. 3 1/2 years later, I finally get XXXX where the " trial Payments '' of XXXX are expected and XXXX is due on XXXX XXXX. 

Ridiculous. 
1 ) Why the 3 1/2 year wait for the mortgage company to perform? 
... and yet ... 
2 XXXX I only have 30 days to perform? 
further, who makes these crazy underwriting decision?? 
3 ) how come during the mediation process here in Delaware, I am only just finding out that my loan was really thru the XXXX and that Chase Bank was the " agent '' bank and I originally thought back in XXXX that my loan was only thru Chase bank? Sounds shady. 
4 XXXX Why were these docs asking for monthly payments of XXXX not sent certified mail? No ... .they were sent to me regular mail! Would I have been still been held accountable if I had never got them?? 
5 ) What is even more crazy is that I received a " modification '' on my loan back in XXXX. But I know this was n't really a " modification '' ... this was really a forbearance. Why? Chase wanted XXXX just drop my very original payment from XXXX to XXXX! I was laid off in XXXX and again in XXXX and my payment only dropped by XXXX if they received a whopping sum of XXXX dollars?!! Unbelievable. 

6 ) I also want to know why the original loan amount on the loan was roughly XXXX when, after some research, I discover that this newly built home in XXXX was sold to someone else for only XXXX, but some unknown reason ... .they original buyers back out of the loan. How did the balance go from XXXX to XXXX? 


7 ) WHAT ARE THE TERMS OF MY LOAN AFTER MY " TRIAL PERIOD '' IS SUCCESSFULLY COMPLETED? WHAT HAPPENS AFTER THE TRIAL. I HAVE NO IDEA WHAT I AM GETTING MYSELF INTO YET AGAIN!!!!!! 

8 XXXX Why am I being told XXXX different things : For example, I hear from everyone, " The bank does n't really want to kick you out of your house. '' Yet, I get paperwork in the mail touting the word " foreclosure '' like it was no big deal to them. Why the XXXX different messages? 

This is my complaint. I deserve clear easy to understand answers. 

I want clear answers to my questions.
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 Account # XXXX 30 days late on XX/XX/XXXX2021, XXXX 2021, 60 days in XX/XX/XXXX 2021, Jan 2022, 30 days in XX/XX/XXXX2022, and XX/XX/XXXX2022.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (RI)

On XX/XX/2023, I applied for a XXXX Simplicity card to transfer a balance from my Chase Sapphire Reserve card. I was approved, and initiated the transfer immediately. After XXXX two week waiting period, I was told that it would take an additional 2-4 days to process my transfer, during which time my original, full payment posted to Chase ( I paid onmy due date of XXXX, the transfer was processed on XXXX ). XXXX assured me that once the transfer processed, I could have the overpayment refunded to my bank account ; I called Chase and arranged for this to happen, with a refund of {$3800.00} from my personal payment back to my bank account. I gave my routing and account number, and was told that the transfer would process in 1-5 days. When nothing happened, I called the bank, and was told that my refund had been denied, and that somebody should have told me additional documentation was required ; upon follow-up, I was told that there was no way for Chase to refund my overpayment without incurring interest charges for the day between my initial payment and the balance transfer, which there was no way for them to calculate and inform me of in advance. They told me Id been misinformed by the previous agent about my refund being en route, but I was never contacted or informed in any way, and would not have known that there was a problem had j not called customer support to try to follow up. I also was not able to file a complaint or escalate my call, as the supervisor who I was initially connected to told me that she was responsible for all complaints and also the only supervisor to whom one could speak.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (NY)

All my credit cards have been secured credit cards. XXXX XXXX  refused to investigate the charges and the unwarented credit limit increase while account was still secured. All they could say was I'm trying to help you but nothing was resolved. I had to pay off the balance which was doubled and close account. 

With XXXX the same thing happened and I closed account and my money was taken. On the credit agencies they stated account paid XXXX. But I was still paying XXXX which the had wrong. 

Wells Fargo kept increasing the credit limit on every know federal holiday but XXXX increments for one year. I was being told they would investigate but never a call back I had to keep calling the customer service number to leave numerous messages. I also have many phone problems like hot phone battery, power off drop calls and had to purchase thru my phone insurance new phones. Unless they where rigged phones I had no idea who or how my phone was hacked. I went many times in person to a local Wells Fargo branch and they refused to help and forced me out of branch with business card and phone number to call. I have a collection agency trying to collect this money XXXX which they refused to respond to my calls email fax mailed correspondence. I paid XXXX to pay my true balance and they sent me a statement with errors on amount. I submitted money orders from the bank with notarized letters.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (MI)

They have called multiple times in the past 2 weeks alone I have asked on multiple occasions for them to stop calling. Also they are trying to collect a debt that is in dispute both with the credit bureaus and with the FTC as well and they dont care.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

We bought a new house in XX/XX/XXXX We began paying our mortgage in XX/XX/XXXX. In XX/XX/XXXX from our escrow statement our taxes changed a little. We continue to pay our mortgage on time ( also about {$400.00} extra each month towards principal ) until now. Today a received our escrow statement and our escrow account is {$12000.00} short. I have no clue how it could be this short. There is now way we can come out of pocket for this amount at this time. They also gave us an option to spread it out over the next 12 months but that is also impossible as it would double our monthly payment. Someone clearly estimated our taxes and we now have no way of paying it. If it would have been correct from the beginning we could have been paying the correct amount each month and not be in the unfortunate situation.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CA)

Chase sent me an amazon.com credit card that I did not request. When I called to inquire, they asked if I had aver had a Chase account. I said that Chase bought my bank a long time ago, but that I had closed the account. They implied that the card may have been sent to me as a former customer. I asked that they close the account and they said that they would. When I checked my credit report a month later, it showed an inquiry from Chase ( dated before I received the card ) regarding a loan or credit application. ( The type of inquiry that could affect my credit. ) The card did not show up on my credit report one or two months after receipt. I am concerned that the inquiry could affect my credit rating and annoyed that I had to use two of my three annual free credit reports to be sure that Chase closed my account as promised. It also is annoying that I had to spend so much time on this issue.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CO)

Chase credit card services charged me a {$15.00} late fee before my bill was due. When going to pay my bill via phone on its due date, I was told my amount due was {$110.00} instead of the {$99.00} it should have been. Looking at my statement on my phone, I noticed a late fee charge. I asked the person on the phone what this was for and they said for paying my bill late. The lady on the other end got unpleasant when I questioned this tactic and how could they bill me for a late fee if it is being paid on the day it is due? Upon notifying them via online about this issue they credited it back to my account, however they did nothing to resolve the issue on why this happened.
Consumer complaint received 2017-05-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (PA)

I have made multiple attempts to get this resolved with  Ally Financial  previously  GMAC. They  have removed the item and then it reappears on my credit report sporadically. The vehicle was turned in on-ti me in XX/XX/XXXX .      O n  XX/XX/XXXX   @   XXXX   XXXX  . I contacted  GMAC an d the  XXXX   XXXX  corporations about this opportunity.     I later reviewed my credit report and to my dismay o n  XX/XX/XXXX   @   XXXX   XXXX  . I reached out to  GMAC /  XXXX   to attempt to resolve.     O n   XXXX   XXXX   XXXX   ;   XXXX   XXXX  the President and CEO  of GMAC was contacted and claims to have attempted to reach me of  which I received an email after providin g four contact n umbers of which to reach me. Email was sent to  XXXX  XXXX  XXXX
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A. (NY)

On X/XX/17, I was informed after I initiated contact that my PNC Credit Card was " revoked '' six months ago in XX/XX/XXXX. I have been carrying a balance and I was in the process of paying it off. Each month, I was charged interest. This I understand, the interest that is. However, to remove my ability to use the card ( without notification ) and to continue interest charges is an exploitative practice. If I am to accrue interest charges, then I should be able to use the card as long as I am below the maximum balance. The notion that PNC can at-will re-evaluate any account ( without any sort of dialogue/notification ) is one-sided and wrong and consumers should be involved far more in this process.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

I have had several problems with Navient Student loan however currently even though I am making payments on my sons loan ( co-signer ) because they sent threatening letters to me ( co-signer ) and ruined my credit, because he was out of work and unable to pay. they were unwilling to work with him or us they were rude on the phone and very poor customer service. Despite my wife and I ( co-signer ) have payments being directly sent from our bank every month regularly before payment due they are charging us LATE fees even though payments are on time!!
Consumer complaint received 2023-07-25
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. (NJ)

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Olympic Collection Inc. (WA)

I have file Pro Se civil case regarding this at XXXX DISTRICT OF WASHINGTON, XXXX. 

Case # XXXX I plan to serve the complaint on defendants in the next two weeks.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CUSTOMERS BANCORP, INC (WI)

In XXXX of XXXX I was made aware that my personal information was used to open a savings account with Customers Bank. I did not open or authorize this account and requested that it immediately be closed. I was assured by personnel at Customers Bank that the account would be closed as soon as possible. The bank mailed me a letter confirming the account is flagged as fraudulent and would be closed. On XX/XX/XXXX I received a statement in the mail confirming the fraudulent account is still open and the Bank has not taken action to close the account. 

I have now called the bank twice to report fraud and ask that the account be closed and the matter be investigated to the extent possible. They have failed to take action and I continue to be at risk for further fraud exposure as a result. The attached letter will be mailed to Customers Bank on XX/XX/XXXX, again requesting they take action to the close the fraudulent account. 

Please investigate this matter and determine why the bank refuses to take action. 

Kind Regards, XXXX XXXX
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

A. XXXX XXXX, 2017 B : TO EQUIFAX XXXX XXXX XXXX XXXX XXXX 
1. XXXX XXXX BELIEVES EQUIFAXS INCOMPETENCE AND NEGLIGENCE CAUSED HACKERS TO GET HIS INFORMATION. 
2. CONFIRM YOU LOST CONTROL OVER MY INFORMATION TO HACKERS. WHEN AND WHERE BY WHOM? 
3. YOU COLLECT INFORMATION OVER WHICH I HAVE NO CONTROL BUT ARE NOT REGULATED. YOU HARM WITHOUT ACCOUNTABILITY. 
4. LIST LAW FIRMS WITH CLASS ACTIONS AGAINST EQUIFAX FOR THEIR INCOMPETENT BREACH OF DATA HARMING 5. WHAT MONEY ARE YOU PREPARED TO COMPENSATE ME WITH FOR MY PROBLEMS? 
6. SEND ME FREE CREDIT REPORT AND CREDIT SCORE NOW. 
7. ATTACHED IS ID. 
XXXX XXXX LIVES AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX BUT ALSO GETS MAIL AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX2017
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

Okay I had a tax refund sent to chime bank on XXXX XX/XX/2022 amount XXXX and chime had suspended my account months prior to the deposit but I was working to get it fix, but then was told my account was being closed and my remaining balance would be sent to me. I have chime over and over and they wont give me and updates on my money and I worked hard all year for. I am an self employed worker and them funds are really need and I just had my baby last week so im at home right now and again they have XXXX of my refund and also my XXXX check was deposited I havent heard anything about and theyre just holding my money in an account I dont have access to which is unbelievable and they ask for information Ill only know if i had access to the account making it extremely hard and once again my account was supposed be long closed before my refund so I dont understand why they accepted the deposit other then bouncing it or returning it to XXXX bank so They can issue me a check for my refund the whole situation is horrible theirs no way that money shouldve landed in a closed account just for them to give me the run around and I also had XXXX put a trace on my deposit so its their being held without reason
Consumer complaint received 2017-10-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

I have called and asked for a deferred payment. The customer service rep allow me to pay my payment over the course of three months the way the first payment was set up. I paid the way did they told me to pay. I can provide the information from my bank that it was paid to them and the day that it was sent to them. There is no information that I paid them might. They can not provide me anything that I paid late
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OR)

Last month, I changed my bank account on my Elan Financial Services credit card. I have had autopay setup for a year or more and simply changed the account associated with the autopay . Elan skipped  my autopay on  XXXX , and I reached out to correct them on  XXXX  and they refused, despite it being their error. I repeatedly asked them to correct the autopay error, most recently today, and they refuse.
Consumer complaint received 2017-05-27
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. (PA)

I had a car loan with XXXX XXXX XXXX, in XX/XX/XXXX the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to XXXX causing additional fees. XXXX received the payment in XX/XX/XXXX.When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account. For several months a tried to get this resolved, I was told by several customer service reps that XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau. XXXX poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late, XXXX being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NC)

Last year I refinanced my mortgage with the bank that was servicing it M & T Bank. M & T Bank had bought the servicing from XXXX. I was very careful to make sure the new account number got on the Bill Pay I use from my XXXX XXXX checking account. M & T claimed they did n't receive the very first payment after I refinanced. After many calls and submission of payment information I ended up in a XXXX way call with XXXX XXXX and M & T before M & T went back and found the problem. I was told the payment somehow got posted to an internal M & T checking account instead of my mortgage, which is why they could n't find it since they were only looking at the mortgage accounts. This has happened XXXX times in a row now. The way I have fixed it the last XXXX times was to call the lady at M & T who solved the problem the XXXX time. They are after me again for a payment I have already made calling me on a Saturday at XXXX. My fear is if I lose my contact at M & T ( the lady who cleared it up the first time ) I will have to deal with incompetent people who have no clue. It 's in my account record what has happened in the past. Does n't it seem logical that they, number 1 fix the problem so it ca n't happen again and 2 if it does happen again, check to see if the error just might be on their end?
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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX and XXXX XXXX have violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 602 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NM)

seterus inc took payment from my bank account on XX/XX/2015for XXXX ach showed at first they received then on XXXX XXXX 2015 seterus said it was sent back nsf I sent bank letter saying it was not returned they will not help correct problem says bankhas money bank does not i need help for them to post to accountthey gave me more late fees on XXXX XXXX 2015