davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (TX)

As my current Debit card end date is expiring (   XX/XX/XXXX  ) , I have requested for a new card by calling KEY BANK Customer care, called couple of times to check status on that, they have mentioned card is on it way, but i i never received it, after few weeks i got call from KEY BANK on  XXXX   XXXX , stating that there is some high amount of transaction is happening on my card. I have clearly mentioned then, i did n't received any card and i have no information on that and informed them to block it and block all transactions, but i found out that total {$9900.00}, transactions happened on my card on  XXXX   XXXX  and  XXXX   XXXX , with out my knowledge and i have received single call about this. I was very much surprised and filed a case on KEY Bank Fraud department and provided all the required information and filed a police case as well at   XXXX   Police station. i have been trying to reach out to  Fraud  department agent since two weeks, he is not returning my call, to day i was able to hold of him by other agent and he rudely mentioned it as case is denied, so no refund will be made on my account.I have been with KEY bank more than  10  yrs and i am a key privilege account Holder and i have  CD  as well with bank, never ever have this type of reception from any one. He didnt gave me any valid reason for denying the case, police investigation is still in the process and he concluded the case and said it is denied and i do n't need to call him back on this.
Consumer complaint received 2017-04-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (TX)

On XX/XX/2017, I had made a mortgage loan payment to Guild online in the amount of {$1400.00}. And I always pay online to avoid the phone payment fee. I received email confirmation when it was submitted and processed and when it is posted as usual. A few days later, I checked my bank account, and discovered there was another loan payment made by phone to guild mortgage, but the amount was XXXX ... after talking to my husband, he and I both know neither of us made this payment on XX/XX/XXXX by phone. I called Guild and they said it was a phone payment but could not or would not tell me who called to make payment or what phone number called in pmt. They were quick to tell me they would refund the XXXX and that I just needed to send email to XXXXXXXXXXXX. so, I did and sent proof where is showed unauthorized payment on my bank statement. Now today, they sent me an email stating the below : From : Customer Service XXXXXXXXXXXX Date : XX/XX/2017 XXXX ( GMT-XXXX ) To : XXXX ; XXXXXXXXXXXX Subject : Re : Loan no. XXXX - refund for duplicate payment not authorized by customer on XX/XX/2017 XXXX morning, A refund has been submitted for {$1400.00} for the duplicate payment that was made. Once the refund has been processed, the check will be sent XXXX O/N to the property address ( probably be sent out on Monday XX/XX/XXXX ). The overdraft fees will not be reimbursed as both payments were made by someone who had access to your personal Guild Mortgage account information. This is not an error by Guild Mortgage Company. Please call Customer Service at the number below if you have any additional questions or concerns. Thank you! 


Sincerely, CustomerService Guild Mortgage Company Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.guildmortgage.com Company XXXX # XXXX Equal Housing On Thu, XX/XX/2017 at XXXX, XXXXXXXXXXXX wrote : Please refund the loan payment not authorized by customer made on XX/XX/2017. See attached bank statement showing duplicate pmt. Only authorized pmt was made on XX/XX/2017 in the amount of XXXX made online .... would like to know who tried making payment on XX/XX/2017. Also would like to be reimbursed for bank overdraft charges in the amount of {$100.00} since this was error on Guild mortgage part. 

Thank you, XXXX XXXX XXXX I do n't feel this matter is being handled in the proper manner and I would still like to know who called in payment and what number they called from. This is very serious and has handicapped my family in more ways than one. I need answers. This seems like fraud to me as well as my bank, XXXX. 

Thank you for your help. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2017-04-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I was approved for the forebearance for 12 months. 3 months later I was contacted for a payment ( according to them I called but they refuse to let me hear the recording ) asking for a payment. I told them I could not afford to make a payment and was encouraged to make fill out for a IBR. They rep told me since it is income based and I have no income that I wouldnt have to make any payment. There was no mention that my account was still in forbearance which meant I didnt have to make a payment anyway. Turns out at the same time I was using forbearance time as well as under the IBR plan.
Consumer complaint received 2017-04-15
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2017, I applied for and was approved for a Chase XXXX Rapid Rewards Visa card. Chase offered me a promotional bonus of XXXX XXXX Rapid Reward points upon making {$2000.00} in purchases within XXXX months of receiving the card. I met the spending requirements in early XX/XX/2017, and was told by Chase that the XXXX points would post by the next billing statement date of XX/XX/2017. However, I did NOT receive the points as promised. Upon contacting Chase, they informed me that they had mistakenly attached my husbands XXXX Rapids Rewards number to my account and that was the reason why I did not receive my promised bonus points. I gave them MY RR number, asked them to correct their mistake and to credit me the XXXX bonus points as promised. They told me that they would submit my request to their marketing department for review but that they could not tell me when I would or even if I would receive the XXXX points. They said that the review could take several weeks or even months!! I applied for this Chase with the intention of using the XXXX bonus points towards planned flights this summer. The longer Chase makes me wait, the less likely I am to find available flights! I completed the spending requirements -- now Chase needs to abide by their offer and credit me the XXXX RR points that I have earned ASAP. Chase is notorious for making mistakes and then taking forever to correct them. They need to make this right -- NOW!!
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (TX)

I have 4 unsubsidized loans with Sallie Mae totaling about {$44000.00}. Each time I called them to discuss lowering my monthly payments, the customer service rep would only push forbearance on me saying it was my only option. After 4 months of forbearance, I found out through research online that I qualified for an internship deferment for a year while I was in an alternative certification program to get certified to teach. Despite the fact that I had informed customer service representatives of my work situation, no one ever informed me that I qualified for a deferment. My program was taking {$200.00} out of each check I received and I could not afford my monthly payments of {$500.00} with Sallie Mae. Now that my deferment has ended, I again called Sallie Mae today, XXXX/XXXX/2017 to discuss my options for lowering my monthly payments. I called two different times, once at XXXX and again at XXXX. The first customer service rep named XXXX asked my name and asked what I was calling about. I told him my situation : I 'm a XXXX working for a XXXX XXXX XXXX XXXX and because of budget issues, I 'm receiving a much lower raise than what I had originally thought I would get. He asked what my major was and if I had received my degree. I informed him that I majored in XXXX. He said unfortunately there was nothing he could do to help me lower my payments and that my only option would be forbearance. I told him I only have a few months of forbearance left and that I want to save those in case I need to use them later during the life of my loan. He said my only other option would be to purposely default, and then and only then could I possibly talk with their collections department. I told him I did n't want to default and that I was trying to be proactive because I did n't want to affect my credit score. He said I would have to wait at least 5 days after my payment is due to go into default and that was my only option other than forbearance. I thanked him and ended the call. I called again to see if another customer service rep could do anything. This time, I talked to XXXX. She also informed me that my only options were forbearance or purposely defaulting by not paying for 5 days. I asked her about the reduction interest rate and she said I did not qualify because my account is current. She again informed me that I could purposely default and that the collections department would contact me. Only then could I review my finances to possibly lower my monthly payments. I again thanked her and ended the call. Sallie Mae should not push forbearance and refuse to discuss other payment options for borrowers who make a good faith effort to make their payments. And they should not force borrowers to purposely default to qualify for lower payments.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$0.00} This account has is under legal dispute and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ACC BAL : $ XXXXThis account is under dispute, there is no judgment on file. Please delete error. 
3. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Consumer complaint received 2017-04-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (FL)

Choice Recovery never disclosed fees that were added to my total balance when making my payment. The fees of {$35.00} was never disclosed that I was paying it. Choice Recovery took money from my payment and never added all the money I paid to decrease my balance. 

When contacting Choice Recovery I was told the fee was not suppose to show on my credit report, nor am I requires to pay the fee. The fee was almost 50 % of my total balance. This is a very deceptive practice as I had no knowledge of a fee I paid.
Consumer complaint received 2017-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (AZ)

Beginning of XXXX I called to tell them that my payment would be a few days late and I would like my DUE DATE moved later in month as we get paid always toward end of month.
He told me no problem. There MIGHT be a late fee but call back if there is and they can remove it. I received a bill for {$130.00} instead of the usual minimum payment of {$77.00}. I called and they said they see my call saying it would be late, but the rep did NOT make a note about reversing the late fee given my explanation of medical emergencies with my husband. They not only charged me {$38.00} LATE FEE but also {$17.00} in EXTRA INTEREST. I am ALREADY paying interest and that sounds like too much for one month payment. It should like it would be breaking usury laws of some sort. It sounds like they have a limit of the late fee and just decided to make up something for extra charges. Very unfair. Unethical at the very least.
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2. When I went to make a screen shot of account summary I noticed I have paid {$600.00} in interest during the past 12 months ... that seems excessive as well. I hope someone will check into this. I can send more documents if needed.
Consumer complaint received 2017-07-11
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. (NV)

I submitted, an affidavit from the FTC and a valid Police Report for identity theft on an XXXX XXXX account that is NOT mine the account number showing is XXXX. They are refusing to follow the law as XXXX and XXXX have already done. I have called in and I have faxed in verifiable documentation and this account is still on my credit report! Please help me I 'm trying to get a house and this is holding me back! I need your help ...
Consumer complaint received 2017-04-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mobiloans, LLC (CA)

I am disputing a debt with Mobiloans via credit bureau disputes and am repeated called at work. 3 days ago, a man used abusive and obscene language with me and even laughed at me. The debt collector called me very aggressive saying they are taking me to court for a XXXX dollar debt.I said I understand I owe you guys I 'm currently going though a financial organization we can discuss a Payment plan in XX/XX/XXXX not right now. He was trying to intimidate me and laughed at me.I told him per my consumer rights per FTC please do not call me during my work hours send me everything via writing so I can communicate it with my financial representatives.And he started going ok with his intimidated psychology, I replied, I 'm busy so I will hang up if you wo n't stop.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Contacted Bank of America to get a 10-day payoff balance on my account. I was given the amount of {$7200.00}. B of A faxed this paperwork to my credit union and the payment was made. I then called B of A to close my credit card account and was told that I had a credit of {$100.00} and was asked how I wanted to receive that credit. I asked the rep if there was going to be any additional charges or fees on the account and was told no. I had them send me the refund amount and was told the account was closed with a {$0.00} balance due. I have now received a bill that I owe them an additional {$74.00} due to interest. I have contacted them to find out why I was not told about this at the time I closed the account otherwise I would have left the money in the account & that this should have been taken care of when the account was closed. They then failed to take care of this balance as a courtesy even though the rep on the phone completely agreed that there was no way I could have known there was going to be any additional balance to pay. I am refusing to pay this amount to B of A.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trojan Professional Services, Inc. (MD)

I have asked Trojan Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (KY)

I recently submitted a dispute on my credit card for a car rental. I had taken a rental car but after driving for 2 days, I wanted to add my husband as an additional driver. I called the company and they told me to do that I had to go back to the office and add him. We did that and then asked if we could add the toll pass for one day also and were told yes. My estimated charges reflected the changes yet after we turned in the car I was emailed a receipt that charged me from day one of the rental for the changes I made day XXXX. I called and they wouldnt fix it so I disputed the amount of the extra charge. My credit card company, Chase called me while I was on vacation so I attempted to call the lady back but she would n't return my calls over the next four hours so I called back in and asked for customer service and they said the call was to ask additional information. I was afraid they were calling because I was traveling and using the charge card. Later the next week I finally heard from the lady and she asked a few questions about the receipts I sent in. She said she was having a computer issue and could n't see the receipts but would let me know if there was a problem. She also said they had already just sent out a letter asking for information but since we talked do n't worry about it. I let it go for a while then got another letter so I called her again. For two days I did n't get a return call so I called and asked for a supervisor. I was told the dispute was closed as I did n't follow up. I told her that was inaccurate and that I wanted it reopened. I was told I had to fax in a letter which I did but have not heard anything further. I was so angry that they denied this claim as it was blatant misuse of my credit card and this was the second time they have done it. I had another dispute a couple of years ago that the provisions in the credit card should have covered me for as it promised protections for purchases on the internet and it did n't cover it like it should have then either and that XXXX cost me over {$400.00}. I am not sure of who is overseeing the credit card companies card protections but if they promise to protect why are they not made to be responsible for that.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (NY)

I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (MI)

I borrowed {$9800.00} fro m Avant  and it turns out the interest rate is predatory at 33.95 %. I called to ask for an interest rate reduction. I was given the standard " you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my account. My complaint was escalated to the compliance department which can only be reached by email so do not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame.     My credit rating is fair and I did expect an elevated interest rate but this is usury. I would like to warn anyone with a fa ir credit score co nsidering using Avant for a loan to ask what the interest rate will be because I do n't remember getting the contract before the money was deposited into my account.