davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I subscribed to a movie subscription XXXX on XX/XX/2019 and merchant document noted subscription immediate. As of XXXX, XXXX after repeated e-mails to the merchant I notified Chase to dispute the {$110.00} since my subscription was not activated. On this date, XXXX, XXXX Chase gave a temporary credit. 

I have paperless billing and did not get an e-mail or paper document in the US Mail about request for additional documents. Chase sent a Notice to my INBOX for request for additional information. Since a response was not sent on XX/XX/XXXX, Chase considered the disputed charge valid and recharged me the full {$110.00}. After multiple calls Chase gave a partial credit of {$100.00} as a " courtesy ''. As of today XXXX is 'Out Of Business '' and I am requesting a FULL refund. XXXX notified Chase that the subscription was 'Active ''. On XXXX I personally went into the branch to submit documents to dispute the charge ( per Chase Dispute dept. ) to XXXX XXXX ( XXXX ), Banker that committed to faxes the documents to Chase Dispute Dept. The document stated ( 1 ) e-mail to XXXX about cancelling the service since they subscription was not activated ( 2 )  XXXX e-mail notifying me that they blocked my service since I disputed the charge. Chase did not receive the document that their own employee agree to forward to their dispute Dept. Their supervisor XXXX XXXX in the Dispute Dept. stressed that I will not receive any credit and was aware that I would submit a dispute with CFPB. 

Please post for other consumers since Chase business practice needs to be reviewed. 
( 1 ) If you have Paperless billing, it is the Consumer 's responsibility to check documents on the Chase website for notification. 
( 2 ) Chargeback does not appear as a regular line item the day the charge was posted on your account. Consumer do not see it but on the original posting ( 3 ) Documents dropped off at the branch has no impact and Chase does not take responsible though the consumer follows their instruction ( 4 ) Chase transfers and keeps you on hold to assume the consumer will drop off the call out of sure frustration.
Consumer complaint received 2019-05-13
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: SYNCHRONY FINANCIAL (NY)

I contacted company to ask a correction on the lenght of credit history with the PC Richard Company. They said the could correct the error because the amount time expired when was reported. My original account opened XX/XX/XXXX. XXXX was active to XX/XX/XXXX when they attempted to correct their mistake and close the account on paper but in XX/XX/XXXX they changed my number because I did not have my card for a in store purchase and changed my number triggering the start of a new account instead of continuing my current account in their hast to make the sale. Months later I noticed receiving two different statements a month. When contacted they claimed it was not correctable but yet the account was on the credit report open until XX/XX/XXXX. My complaint is that my length of credit age with that account was incorrectly shortened by 11 yrs which understates my overall average credit age. I did not see my dispute # XXXX with XXXX correct the error. Actually the opening dates of the account opened in XX/XX/XXXX has been changed according to an updated XX/XX/XXXX XXXX XXXX report.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc. (IN)

I placed a call to NCB Management Services Incorporated on XX/XX/2019 and left a message with specific instructions to contact me on my cell phone. The cell phone number was given twice during the call. Despite the fact that I had left specific instructions regarding my callback number, NCB contacted my employer because the company representative said he " called the number that was on caller ID. '' Since specific instructions were left in my voicemail message, NCB had no right to call a number that appeared on caller ID. They had no way of knowing whose telephone number that was especially since the voicemail message that was left specifically designated the telephone number NCB was to contact regarding this debt. NCB has been particularly difficult to deal with. When I contacted them regarding specific language for reporting the debt as " paid as agreed per settlement, '' they became abrasive and stated that they were not responsible for reporting to the credit reporting agencies and that the language that appeared on credit reports was the responsibility of the original creditor. NCB is collecting a debt on behalf of a creditor, or perhaps even bought this debt, to say that they have no control over what is being reported is a falsehood. NCB has also failed to accurately account for all sums paid to them through settlement negotiations.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

i have been trying to get a copy of my chex systems report for over a year. I received it about a week ago. I was relieved to find I did not have any negative information except one problem there were 56 Inquiries on my account.! Dating back over 3 years ago!! 
some were from XXXX? I do not recall intiating them so I made categories of bank accounts they said I had made inquiries too and a list of dates. 
I called chex systems today and spoke to " XXXX '' from XXXX. who said he could not give me anyother identifying information..Right but he had All Of My information. 
so I asked him how long to you keep consumer initiated inquiries on an account and at first he said 2 years then he changed it to 3 years. 36 of the the? inquiries are Over 3 years old. I  mean im XXXX years old im a citizen iver worked for this country for over 50 years and I kept wondering Why cant I open a bank account?? and now I have my answer ... not sure how I m going to be able to clear this up but im asking for help im really disappointed and upset about this .thank you XXXX
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc. (TX)

I contacted NCTUE about obtaining a copy of my credit report due to identity theft. The company did not send me the report. 

I sent my letter and proof of identity theft, my drivers license with ssn, and a utility bill. The company responded by asking me for my personal information. This is a violation. 

I will included copies of my original letter and their response.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

On XX/XX/XXXX, I sent a check totaling {$150.00} to pay for the cost of a Brokers Price Opinion as instructed in the letter received from my mortgage loan services ( NewRez LLC ). The check included the required notation instructed in the letter Funds are for the BPO fee required to proceed with a loan review for PMI cancellation. My check was received and erroneously posted to my account on XX/XX/XXXX as a partial principal payment instead of its intended payment for the cost of a Brokers Price Opinion. The Brokers Price Opinion was  never ordered despite my explicit instructions and timely payment. I have been charged another month in PMI, and will likely be charged again next month as I have been told by the NewRez LLC  customer service agent - XXXX XXXX - that the process to reclassify a payment can take 3-5 days. She has refused to transfer my call to a supervisor or to anyone who is able to expedite the reclassification, not willing to provide any contact information so I can follow up to ensure this is taken care of correctly. I asked repeatedly for a contact with whom to raise a complaint and this request was also refused.
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

I purchased furniture last year, XX/XX/2018 overXX/XX/XXXX, through Value City Furniture. Credit was given through Synchrony Financial. First issues were with Value City where it was damaged upon delivery. Took over 3 months to finally get undamaged furniture after multiple calls, incorrect deliveries, and failed customer service. Am actually still waiting for financial reimbursement from them, but thats another story. Two months later I XXXX XXXX  to my XXXX child where there were XXXX, and due to my husbands traveling, got behind on payment. Every few months Im a bit late on payment due to having to wait for payday, etc., but I do always end up paying my bill. This brings me to today. I am aware Im currently behind ; however, due to my employment, Im not able to discuss via telephone. Have never had issues before. But today starting at XXXX til current time as of XXXX XXXX, I have received 63 calls from Synchrony from number XXXX, and they never leave a voicemail.
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (MN)

I was contacted by phone about an 11 year old debt that I had previously tried to pay. This put me into a panic and I reached out to XXXX XXXX through the contact information provided. I was told that there was a civil lawsuit against me in the county I live in and that I was going to be charged with financial fraud. I was told If I paid the Fee of {$3100.00} on a orignal debt of {$450.00}, that all proceeding efforts against me would cease and the issue would be resolved. 
Out of fear of criminal action against me, we negotiated a payment of {$2000.00} which I paid with the understanding that that the issue was done and I have no further fear of criminal charges being levied against me. 
Now I am questioning what I have done and am inquiring if this was legal on their part. 
Did this debt have to be repaid? I was told by a representative of XXXX XXXX that the contract I had signed with USBank upon opening an account that in the tolling section there was a stipulation of no statute of limitations for debt collection.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

My identity was stolen I contact Discover Card. They did their own investigation they provided me with a letter stating that I was not a fault and they would update my credit report now they're trying to hold me liable after they provided me the letter and they're still refusing to remove it from my credit report.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IN)

My husband and I have joint finances and have for 13 years. All financial accounts are in both our names. I wanted to apply for an American Express Platinum card, and when I did, I was offered XXXX membership rewards points. When my husband completed the same application, he was offered XXXX membership rewards points. When I called American Express, they refused to provide an answer as to why he was receiving better financial terms than I was, but insisted it wasn't sexism, and we overtly hostile to me when I suggested that it was. Opening the card in my husband 's name doesn't work, because certain benefits are unique to the cardholder, such as gold status at hotels, and I travel for work and he does not. For me to even be an authorized user that gets those benefits is another {$170.00} a year. 
This is unacceptable behavior, in which they will be able to claim their is some other made up reason for treating us differently, when the only difference between us as far as our finances is our gender.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I can not wholly blame XXXX  for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX  for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-Capital One Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX   # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-Capital One Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX   Inquiry from XX/XX/XXXX 14-Capital One Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-Capital One Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 20- Capital One Inquiry from XX/XX/XXXX 21-XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX  Inquiry from XX/XX/XXXX 24- XXXX XXXX  Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (LA)

Im having a problem with getting my car out of the body shop the lender to whom I pay my car note through keeps giving me the run around about no receiving documents my car has been finished with the repairs since Monday XX/XX/XXXX. The lender ( Santander ) whom I pay my note through said that they received the documentation but was waiting for it to be reviewed I called them today Monday XX/XX/XXXX to check in on my paper work they claim that theyre missing paperwork before the paper work was sent off I made sure to call Santander on three way with the body repair shop XXXX XXXX XXXX La ( XXXX XXXX ) they confirmed that they had the documents. But today one of the guys whom Ive talked to said that it was false information Ima very upset behind this I dont know what to do because now theyre saying that if they dont receive the proper documentation form XXXX, then the check that they have will be put towards my car balance to reduce it..! Im paying out off pocket too much money on a rental when I can be riding in my own vehicle which is just sitting up at a collision center.. Ik this May not  fall under this complaint, but I didnt know where to go to file my complaint about my Lender ( Santander consumer )
Consumer complaint received 2019-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MD)

I opened my Chase account XX/XX/2017, I have been making the payment on time since 2017. Last year, I had a minor XXXX and I was unemployed for six months, it kept me so behind on my bills since I didn't have a job. I explained this situation to many chase reps and asked them to help me with my financial crisis. I also asked them to waive the late fees and also reduce the interest charges because it's too hard to pay off with my situation. They refused to waive the late fees which is {$37.00} and also refused to waive the interest charges. Now, my balance is {$9100.00} and I started my card with {$8300.00} limit. My minimum payment is {$1800.00} and it keeps showing on my credit report as a delinquent account. I spoke with many people and they all are helpless. They do not help at all on the other hand, XXXX XXXX really helped me out when I was in a same situation. 

I can not pay such a high amount because I don't make much and I am also an XXXX XXXX so it's super hard to pay off the whole balance.
Consumer complaint received 2019-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (HI)

I paid the XXXX XXXX XXXX XXXX people to negotiate with my lender for my loan modification ... .... and theyve ask me to pay {$16000.00} dollars up front, they say this will served as a bond and would be refundable after the loan modification is done. This was way back in XXXX. And then last year if Im not mistaken XX/XX/XXXX, theyve ask me to pay another {$6500.00} dollars for their legal team to handle my loan modification. Then sometime in XXXX of the same year, they send me a confirmation letter that the said modification was already been approved and theyve asked me to pay in advanced the 3 months probationary period so that according to them they can be able to negotiate for a lower monthly payment, which I did.I paid them more or less another {$7000.00} dollars.Then after 3 months I called XXXX XXXX, XXXX aka XXXX XXXX and a certain XXXX XXXX XXXX, that the probationary period already ended and how come I havent received any regular billing statement from the lender. Theyve told me that I was lucky because the lender doesnt ask me to pay anything yet and maybe theyre still evaluating my monthly payment and they assured me that nothing to worry about cause my case are well being taken cared off. I went spoke to them last XXXX of this year, I even told them that one of this days I might receive a foreclosure notice from the lender, and they assured me that thats not going to happen. Then after a month, sometime in XXXX the thing that Im worrying about happened.I received a writ of ejection notice from the lawyers of the bank. And I tried to call this people but can not reach them, I think they de-activated their phones. So I still try calling their office and to my success I was able to speak with XXXX XXXX XXXX, Ive ask him why I couldnt reach XXXX XXXX, he informed that shes in XXXX cause the in law is dying, I told him that what I know she was divorced from the previous marriage and he told me that was the boyfriends mother.Ived told XXXX that I feel like Im getting scammed, he told me theyre doing everything and will update me.Ived waited for their update but it doesnt happens.So I decided to call them again but to my dismay the only thing I got when I dialed their number that it was temporary out of service. Now to hold the foreclosure proceedings for the meantime, I filed a chapter XXXX bankruptcy.Tomorrow XX/XX/XXXX, Ill be attending the said hearing at around XXXX XXXX Hawaii time. With this problem that Im facing right now, I wish that your good office can help me negotiate with Mr. Cooper ( XXXX ) to be able to secure the loan modification that Im trying to for the past 3 years. Hoping that you could help me save my property from foreclosure. Looking forward for your help. Thank you very much in advanced.
Consumer complaint received 2019-04-01
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: National Credit Adjusters, LLC (TX)

I was contacted by National credit adjusters on XX/XX/2019 for two delinquent account on my credit report ( XXXX XXXX  ) in the amounts of {$180.00} & {$130.00}. We agreed and they have me on their recorded line that I would pay an amount of {$240.00} to not only have my accounts paid in full but also they would contact the credit bureaus to remove the delinquent accounts. These paid in full accounts are still appearing on my credit report.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

I have tried to correct the following problem by making over 6 phone calls and writing letters to the bank : For the past month, every time I attempt to use the card, it is declined and then my credit card account is blocked. I contact the bank and they take me through a re-verification process that involves using a land line, a mobile phone and an XXXX. Several times the representative was unable to make the re-verification process work and a manager had to override the process and un-block it by pushing a button. Today I called for the 7th time, was on the phone for over 45 minutes and the manager could not get the re-verification process to work. I then asked him to simply unblock the account since I answered all security questions and identified myself to him. He refused to unblock the account. I have numerous other bank cards, but have never experienced anything like this. Can you get the bank to honor its contract and allow the card to by used? I have had NO fraudulent attempts of anyone ever trying to use my card or my account. This bank has very poor customer support and staff does not even know how to correct the problem.