davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a dispute to Transunion on XX/XX/XXXX. It was concerning an old medical bill that had been paid by insurance in the amt. of {$120.00}. I did not hear anything from them. So on XX/XX/XXXX I sent them a letter telling them that I had not heard anything and I wanted it removed from my credit report immediately. On XX/XX/XXXX they notified me that they completed the dispute and it is staying on my report. On their own web page it clearly states that if they fail to complete the dispute within the 30 day period ... ... it would be removed!
Consumer complaint received 2018-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (TX)

I have a Care Credit account through this bank. I changed {$7700.00} total in XX/XX/XXXX and XX/XX/XXXX of this year at 18 months no interest. 
I set up automatic payments from my bank account for timely payments. However, I did a balance transfer in XX/XX/XXXX with XXXX, at that time the balance owed was {$4900.00}. This company did not transfer the funds until another payment was due which was 6-8 weeks later. 
They took {$350.00} from my bank account and finally transferred the {$4900.00} which left a credit of {$350.00}. 
To date I have NOT received my refund. They've been telling me the check was mailed on XX/XX/XXXX. 
Not received, then they've told me that a stop payment was made on that check and another issued on XX/XX/XXXX. - not received. I have pleaded with this people to send my {$350.00} by overnight express and I'll pay the charge, they won't do that either. It's been nearly two months now on XX/XX/XXXX. 
They intentionally held back sending the funds balance transfer until another payment was due and at that point I thought they transfer amount would have/should have been less the {$350.00} but I was wrong. 
Please HELP me get my money owed to me from this " bank '' asap! 
I'm at my wits end. 
Thanking you in advance XXXX XXXX
Consumer complaint received 2021-09-23
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. (TX)

I filed a complaint with you XXXX The XXXX ( bank ) took further action that was not included in my complaint. 

The bank did not explain or respond to my concern about their additional action.
Consumer complaint received 2018-07-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Pintor Partners, LP (TX)

This month is the 3rd time I have tried to pay off my account with the company XXXX XXXX located XXXX XXXX XXXX XXXX TX XXXX. This has happened since the day XX/XX/XXXX on the phone and Every time I call the store to pay off my account in full. they do not let me do a fun payment to pay off my account. They say that they will report it the my credit that I am not making my monthly payments on time. and that will affect my credit in a negative way. They tell me to make my monthly payment only. so Im not allowed to pay off my account in full which is what I want to do. and all 3 times I have gone all 3 different employees have told me and treated me the exact same way which is unfair. when I asked for a Supervisor they denied to transfer call their supervisor. I was told that the manager would tell me the exact same thing about not being able to pay off my loan, so it was pointless to speak to the manager. every single time I speak with a employee they are very rude and direct. 
When I make my loan with XXXX the employee who made my loan explained that there are no penalties if I payed off my account in full early. and explained to me that if I payed off my account early would save interest and it would get reported to my credit as a positive credit.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I took advantage of a zero interest balance transfer offer made by my credit card, Citi Cards ( zero interest until XX/XX/2019 ). I clarified with a chat customer service representative that in order to not be paid interest I would have to pay the minimum payment due and the standard purchases in that statement period. Two months in a row, I was charged interest even when I made a payment that covered both the minimum payment due and the standard purchases on the account. The first month it happened, I contact the customer chat representative, they acknowledged that there was an error with how Citi calculated the interest and credited me the interest charge. I was also assured that this would not happen again. The next month when this happened, I contacted the chat customer service, and they could not explain to me why I was charged interest and I was told to call customer service. Each customer service person I spoke to refused to understand how I overpaid the minimum amount and finally I had to be transferred to a manager. XXXX, the manager, told me that he can not give me a refund because I already received a courtesy refund last month. I explained that the refunded interest was as a result of an error and demanded that he take my through the statement I was charged interest on in order to explain how I did not pay the minimum amount. He tried to show me how I overpaid but when the math clearly showed that I had over paid what the minimum amount was ( the min amount due plus standard purchases ) he put me on hold and then told I was correct that the system made an error. He also told me that this was the last time he could give me a courtesy refund on interest charges. I demanded to know how this was a courtesy because Citi had made errors both times in calculating interest. He stated that it was not an error because if I want to avoid paying interest while taking advantage of a balance transfer offer, I need to not make additional purchases. It is clear to me that this problem is prevalent to all customers who take advantage of citi balance transfer offers and that customers are bring maliciously charged interest.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my checking account and my debit card without notifying me. They did not send me any communication prior to closure and closed my account on the basis of my wife 's nationality. I have a shared account with my wife, and according to BOA representative on the phone they closed my account " because they needed some information and documents '' relating to my wife 's nationality and therefore they decided to close her checking account and mine! They did not call me to ask for " information and documents '', did not email me, sent me no letter through mail and just decided to close both my checking account and my wife 's checking account. 

This is targeting individuals based on their nationality and treating them unfairly. This is discrimination based on national origin. We do not deserve to receive a warning letter/email/phone call because we are of XXXX  origin. And now we will not have access to our funds in the checking account for 10 days until they send checks to our address. I asked the representative if we can at least walk in to a BOA branch and receive the checks today in person, and the answer was no, we will have to wait 10 days for the checks to be " approved '' and " processed ''. They want to " approve '' whether they should give me my money or not!
Consumer complaint received 2018-11-19
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. (NY)

Initiated dispute with credit card company over a purchase made for XXXX dollars. I had first contacted vendor, received no response from vendor. Contacted Chase XX/XX/XXXX to initiate dispute. Received confirmation from Chase that they were investigating the dispute. XX/XX/XXXX Chase requested more information from me. I submitted additional information to Chase in the form of a letter sent via their online dispute system, XX/XX/XXXX. I received confirmation via email from Chase that they had received the additional information I sent them. 

XX/XX/XXXX, received response from Chase that made it clear they had not read the additional information I sent them. Chase indicated they were closing the dispute. Since it was clear they had not read the information, or done any investigation whatsoever, I immediately contacted Chase to reopen the dispute and reiterate that they needed to take into account the additional information sent to them. XX/XX/XXXX, received confirmation from Chase that they had received my request and were reopening the dispute. Email said " payment of amount in dispute not required while dispute is being resolved '' To sum up, Chase reopened this dispute on XX/XX/XXXX, and then did not contact me again regarding this dispute until XX/XX/XXXX. The dispute remained unresolved for well over 60 days or two billing cycles, a clear violation of the Fair Credit Billing Act. 
When I called Chase and spent over an hour on the phone trying to explain this to XXXX XXXX, he claimed that he had never heard of the Fair Credit Billing Act. Since XXXX XXXX XXXX was the Chase employee in charge of this dispute, he was in ignorance of laws protecting consumers from unfair practices and in his ignorance, he allowed this dispute to go on well over the allotted time period. XXXX XXXX was extremely rude both on the phone and by letter, claiming ignorance of the law allowed him to ignore it. 
Obviously, since XXXX XXXX allowed this dispute to sit unresolved for a year, I can no longer attempt to follow up with the vendor -- this is why the law was enacted, so that consumers would be protected from banks like Chase allowing dispute to go on and on and then deny them when consumers no longer had any other recourse.
Consumer complaint received 2018-07-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LDF Holdings, LLC (TX)

I have hired a company, XXXX XXXX XXXX, to negotiate and help me settle the debt. They have sent several cease and desist letters to the XXXX informing them of this. XXXX has ignored all the notices and continued to send me letters threatening to send my file to a third party if I dont contact them.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CT)

Procollect has damaged my credit reports and violated my rights. Attempting to collect an unfair debt, also not having a valid license to collect debt in the state of Connecticut. I have complained to my Attorney General, and A Procollect representative responded by saying that my account information and social security number has been mixed up with someone elses. Due to the inconvenience that I have been receiving for months, I want Procollect to send XXXX and XXXX written documentation that they will no longer be collecting on this debt! My credit reports have suffered, and it is a defamation of my character. I have attached an email Between my CT Attorney General and the Procollect representative. Procollect owes it to me to send documentation to the credit bureaus to have this debt removed immediately!!
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

alittle over one month ago received a promotional offer from Bank of America to transfer money to my checking accoount at an annual  interest of 3.99 %. I called and spoke to representative who confirmed same and offered to trransfer money on the spot. I was required to listen to a confusing message and agreed. When I received my statement there was a charge of 13.49 % on the purchases that I had made the previous period. I called and they affirmed same ; I indicated that this charge was never explained to me by the rep I spoke to. They retorted essentially too bad. I then re read the offering flyer and it says that interest would be charged on purchases but not what the amount of the interest would be. Since I like many people pay their statement in full each month it would not be unreasonable to assume that this charge would not apply!! Wrong!! I believe this practice is tantamount to a predatory lending scheme to entice people to borrow money and be charged more than the offering rate of 3..99 %. Since I have another card I wil pay off early the current balance with money that I will borrow from my IRA and not use the B of A credit card ; however many people may not have another card to use and will be stuck paying this exorbitant amount!!
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : [ XXXX XXXX ] [ XXXX ] [ Charge off/ Failure to Pay ] [ The information on this account is incorrect- I am in the process of trying to purchase a house and I had my credit ran- It has a note that my XXXX account was charged off in XX/XX/XXXX- yet I have been in a credit counseling service since XX/XX/XXXX. I noticed that I missed only one payment and that was in XX/XX/XXXX. I am now concerned that this debt is being paid monthly but is being reported to the credit bureaus as a FP ( Failed to Pay ) but you get paid every month as agreed with the credit counseling program. Please advise how this is a fail to pay, yet you receive the payment monthly? Attached are the statements from XXXX XXXX XXXX and a copy of my report from Experian . ]. 
My contact information is as follows : [ XXXX XXXX XXXX ] DOB : [ XX/XX/XXXX ] SSN : [ XXXX ] [ XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX ] XXXX XXXX XXXX
Consumer complaint received 2018-08-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am attaching a copy of the request of investigation my wife and I sent to Equifax on XX/XX/XXXX. Over 60 days have passed, and they have not responded. They are supposed to respond within 30 days.
Consumer complaint received 2018-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/18 I sent a {$500.00} transfer to someone using XXXX through my Wells Fargo account. I agreed to buy concert tickets from a XXXX ad and the seller did not transfer tickets to my account as promised. I have the listing and all documentation saved for this transaction. He sent me the confirmation as " proof '' of the tickets. I had suggested using XXXX to do the transaction but the seller said he preferred using XXXX as this was done directly from bank account to account and there would be no issues. After money was transferred he explained to me that he had transferred the tickets electronically to my XXXX account. I did not receive anything and the seller stopped responding and blocked me. I called Wells Fargo within minutes of making the transfer. The Wells Fargo website says that transfers could be cancelled as long as they were still in the pending status. My account said the transfer was still pending so I talked to a representative but she said it was too late to cancel the transaction. She told me that there was really nothing she could do at that point. I asked her what she suggested I do as I believed this to be fraud and she had no answer for me. I have an email address, phone number and name for the seller but have not received any help in this matter. The seller answered a message from my cousin just minutes later saying the tickets were still available. I would just like help from the bank in this situation to get my money back from this thief as they clearly have this persons personal information. I was obviously not the only victim.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I requested a credit card for XXXX XXXX XXXX from Citibank N.A. which was approved. I received said card by U.S. Post with ; NO ACTIVATION REQUIRED! 

This card, tied to MY Credit History was allowed to be handled by countless people, ACTIVATED! 

This Practice Has Got To Be STOP. 
Protect Consumer indenty and credit. 

I closed acct.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I sent Diversified Consultants a dispute letter dated XX/XX/XXXX via XXXX certified mail, that was delivered and signed on XX/XX/XXXX. In my dispute letter I clearly ask for validation of this alleged debt. I request this company to provide me with any document bearing my signature that states I agree to pay or owe Diversified Consultants any outstanding debt. I have never spoken to anyone from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe, and I'm very specifically asking for copies of documents bearing my signature that connect me to this account. Diversified Consultants has no where near provided me with that. What they sent me was a letter dated XX/XX/XXXX which states they are in receipt of my request for this validation of account, but they don't provide any of the proof I request. They send a copy of a revised bill with just the amount XXXX on it and its says Due Immediately. At the top of this bill it has Bill period XX/XX/XXXX-XX/XX/XXXX. 

Also after reicieving this dispute, Diversified Consultants never contacted any of the credit agencies that they are reporting this and marked this account as Disputed as required by law. 

I followed this up with another USPS certified letter dated XX/XX/XXXX that was signed for by Diversified on XX/XX/XXXX. In this letter I continue to state they have not provided me with copies of the signed documentation that I request. My letter clearly states per FTC Attorney XXXX XXXX a copy of a bill isn't debt validation. They have provided mw with nothing to validate this alleged debt as belonging to me. 

Clearly they don't have the documentation I'm requesting on this alleged debt, or they would just provide it. They are stalling while they blantly skirt FCRA laws. If this account isn't immediately deleted from my credit report, and not sold to another collection agency, my next step is to sue Diversified Consultants in court for various violations.
Consumer complaint received 2018-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sent in three dispute letters starting XX/XX/XXXXXX/XX/XXXX to all credit report agencys regarding accounts (   XXXX acct # XX/XX/XXXX ) ( XXXX acct # XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/XXXX, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX  acct # XXXX
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

In consideration of the PSLF program, I consolidated my loans under the Direct Loans ( in XX/XX/XXXX ), and have worked with a qualifying employer ( federal agency ) since XX/XX/XXXX. I have been under the PSLF program since XX/XX/XXXX and have paid my payments in full every month under a qualifying income-driven repayment plan. My PSLF employment recertification form was completed and received by the servicer in XX/XX/XXXX ( attached ). 

In XX/XX/XXXX, I received an update on my PSLF qualifying loans, stating I have 30 qualifying payments for both subsidized and unsubsidized loans, and qualify for forgiveness in XX/XX/XXXX ( attached ). This is correct. 

I recently received a second update on my PSLF loans in XX/XX/XXXX which now states that I only have 11 qualifying payments and qualify for forgiveness in XX/XX/XXXX ( attached ). This is incorrect and came as a total surprise given that I received a different number only two months prior with no changes since then.

I called the servicer right away and the Servicer representative could not explain what happened. They stated the computer automatically calculates payments under some criteria they couldn't explain. The rep flagged my issue for " manual review, '' but also stated that it would take 3 to 6 months before I get an answer. They could not provide any acceptable answer or honor my request expedite my issue.

Considering this effects more than thousands of PSLF applicants, I would like to press the issue of the Servier incorrectly processing payments by " automated processing '' and improperly managing the accounts and communications to the customer.

The review time is 90 to 180 days for a " computer glitch ''. Instead of addressing the inaccurate automated processing directly, the servicer is choosing to delay any correction by placing it under " manual review '' for an unreasonable period of time. Shouldn't the review be completed BEFORE the account is updated and BEFORE the communication is sent to the customer? Due to its automated nature, this is a blatent Servicing error that affects thousands of applicants, yet could easily be corrected by the Servicer.

This issue presents as poor communication and handling by the Servicer. If this is a common issue with the PSLF program, it needs to be addressed  immediately to maintain the integrity of the program. When applying for forgiveness down the line, I need to know that my payments will be honored. Please let me know what information you need to rectify this problem. Thank you.