davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IL)

CitiCard, Citibank, is retaliating against me by increasing my minimum payment amount because I filed a complaint against the company with the BBB. The company, which has lost {$2800.00} of mine and we 've yet to settle the mishap since XX/XX/XXXX, has representatives calling me every other day telling me to pay {$2500.00} in " minimum payment amount '' before XX/XX/XXXX. I 've already paid the credit card company last week and they are harassing. Representatives, XXXX XXXX, XXXX XXXX, and XXXX, have called me incessantly over the last 3 weeks, harassing me at work and at home, asking me to drop my complaint with the XXXX and CFPB. My card, the Executive Business AA Black Card with Citibank, is supposed to guarantee clients from fraudulent activity. However, the credit card company has already been witholding information regarding " missing funds '' under their care. It has been 5 months now and the company still has no solution to where they have my money. Currently, Citicard and XXXX XXXX are attempting to force me to pay a minimum payment amount of XXXX %, which is unheard of in the industry. I am concerned that Citibank and Citicard 's harassment is going to lead to a negative credit lean against my account and that any large payment amount made to the company will once again " disappear '' and I will be left losing another couple of thousand dollars. In addition to the hard details, representatives are calling me at work and yelling discriminatory language.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

In XXXX XXXX, Chase bank via bill pay forwarded the XXXX XXXX car payment to XXXX XXXX with the wrong address. Despite the wrong address, XXXX XXXX received the XXXX XXXX payment with the wrong address and endorsed it. Chase management approved the XXXX XXXX check that was mailed out with the wrong address. Chase employee put the wrong address on the check. I was never notified that the XXXX XXXX had a wrong address. In XXXX and XXXX XXXX, Chase failed to pay XXXX XXXX their XXXX car payments even though they refused the money from my bank account giving the appearance that the XXXX and XXXX payments were made. After 60 days of being delinquent, XXXX XXXX forwarded me a re-procession letter. After contacting Chase, the money was immediately placed back into my bank account and both car payments were made. Upon requesting electronic copies of cancelled bank checks, Chase informed me that their records were destroyed. This was a lie. I am requesting the front and back copies of the XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX electronic cancelled bank checks made out to XXXX XXXX. Chase bank and XXXX XXXX XXXX engaged in deceptive trade practices and fraud which adversely damaged my credit.
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

I 'm writing because I fell victim to a scam and my bank, CHASE bank, did nothing to protect me. I 've been a loyal customer for decades, no criminal record, and great credit ratings. I 'm a mother of XXXX and have realized that I need to get back into the work force to help my family. I began a job search ( online ) and received a job offer from XXXX. This job offer was not legit and ended up scamming me where I lost all my funds. My complaint is that Chase bank and their employees did nothing to stop it from happening. They heard my story on why I pulled out money and am now requesting a money order. They reviewed the account my " boss '' provided me and said it was okay to proceed. They, in the big picture, helped me hand my money over to the criminals. And after the fact, once I realized I was scammed, they did nothing to help make me whole again. They further ridiculed me and blamed me for falling victim. They have left my account in a negative standing without advising that I need to freeze it to further any additional fees from accruing. They then restricted my spouses personal and business accounts and advised they can not tell him why, it 's their policy. THIS IS NOT RIGHT! Not only has Chase tried to make me, the victim, look like the criminal but NOW they 've taken away my families livelihood. They made the mistake by not stopping the purchase of the money order. They made the mistake by not assisting their long time, good standing, customer with stopping the check from getting into the criminals hands. They made the mistake by not doing anything to help their customer get out of a horrible situation ; they 've actually made it worse.
Consumer complaint received 2016-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (ME)

Last year my loan was sold from XXXX to UHEAA, but XXXX was still servicing the loan. This was a change that I was notified of via a letter to my home address and a message when I logged onto the XXXX system. 

When I logged in today to make a payment the XXXX website would not give me any information on my loan and just said that I needed to go to the UHEAA website. I went to the website and followed the instructions to set up an account with UHEAA which the website indicated would allow me to make payments, set up automatic payments, etc.. I then called UHEAA in order to get more information on why I was not notified of this change and inquire how I would be able to make a payment in the future. They were not able to provide any information except the PO Box to mail the check to in XXXX. Apparently no one would access my loan information to tell me what payment is due, when the due date will be, or the outstanding balance. They just told me I would not be liable for a XX/XX/XXXX payment on the loan that they were " waiving '', but I do n't feel that 's truthful because when I inquired I was still going to be charged interest and be liable for this payment that would then be in XX/XX/XXXX, they just were changing the due date. Just to be clear- I had NO prior information that this change was going to occur. I check my student loan religiously and would have seen any notification on their website that they posted. 

I feel very fortunate that I have a job that has allowed me to prioritize repaying my loans. I only have XXXX dollars to go. I told UHEAA I was very upset by this change without being notified, so I just wished to get my payoff information so I could send a check for my final payment. That 's when it got even worse- No one can tell me what my final payoff information is. XXXX no longer has the information, but UHEAA has n't processed it yet so all they know is my demographic information and nothing actually about my loans. They told me to " guess '' what the payment would be and if it was close they would adjust it if I did n't pay enough or refund me if I paid too much. They told me to pull an old statement, but of course XXXX has foolishly talked me into doing everything online so I do n't even have a statement at home I can refer to! 

My complaints are this : 1. How can a loan be switched between companies to service them with NO information given to the customer. 
2. How can when this change occur the customer not be able to get ANY information on their loan from either company? 

To me this seems like what has occurred is questionable legally. 

Again, I feel fortunate that my student loan balance is no longer excessive and the impact on me with any accrued interest or potential fees would be minimal, but I feel this practice needs to be scrutinized. 

Thank you, XXXX XXXX
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I have an issue with Ocwen Loan Servicing. I lost my job XX/XX/XXXX due to illness, and have been working as hard as possible to make the mortgage payment since. On XXXX XXXX, I filled out the paperwork for a loan modification. I called Ocwen XX/XX/XXXX to find out what I needed to do. I received a letter stating that my profit / loss statement was invalid because it was not signed ( I own the business ) .The female I spoke with said I had been approved for a HAMP modification, which I knew nothing about. I told Ocwen I had not received any paperwork. She emailed me the information, which I received on XXXX XXXX. I was also set up with a phone meeting with my Ocwen loan representative, XXXX XXXX on XXXX XXXX. I did receive a phone call from Ocwen on XXXX XXXX, but not from my loan representative. I stated that I had read the information and would like to move forward with the HAMP modification. I was told it was no longer an option because I had missed 2 of the trial payments, XX/XX/XXXX and XX/XX/XXXX. I politely told the gentleman that I had not even received the information on the modification until XXXX XXXX, and that there was no way I could have made a payment on XXXX XXXX, when I was n't even aware I was approved for the modification. He had no answer for this, but insisted I send a signed profit / loss statement to them. They had asked for the last 3 months, in my original modification filing on XXXX XXXX, I had given them the last 3 months plus my entire XX/XX/XXXX profit / loss statement. I explained to the man that I owned the company and the statements were generated by my accounting software. He instead asked for an email with XXXX numbers on it, gross income, business expenses and net income. My statements had all XXXX. He then set me up with another phone meeting with my loan representative for XXXX XXXX and I have yet to receive any information on modification programs. This is just the latest issue with Ocwen. I have our small mortgage which was originally a line of credit in collections. I attempted to pay it up to date by sending them a check which was less then XXXX, they held the check until the next months payment was due, then returned it saying they needed a certified bank check, which no where in my original note does it give them permission to demand a certified check. I have called them to complain about " inspection fee 's '' listed on my statement. My next statement would have the same amount listed as " Other Fees ''. They said it was a drive by inspection, but when I asked them if the home was under construction or not ( it is ) they could not answer. They have claimed to have sent certified mail to the home, but can not produce a signed mail receipt. The address on the statements is not even the correct mailing address. I am at wits end with them and am very afraid that their goal is to make it almost impossible to pay my mortgage resulting in foreclosure. What can I do?
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (MA)

I made a purchase on a credit card which had a 0 % promotional balance on it. I called the credit card company ( Chase ) prior to making the purchase because I wanted to make sure I could pay off the purchase even though I had the 0 % balance remaining. The woman informed me that any payment I made over the minimum due would be applied to the higher interest balance - so I went ahead and made the purchase of {$89.00} knowing that I always pay well over the minimum due and the added purchase amount combined. Then I get my next 2 months statements and I have been charged interest in both billing cycles even though I paid 7X the minimum due and 2 X the minimum due plus the purchase amount. And now I am being told I have to pay off the entire 0 % balance before anything will come off the purchase balance. The amount of interest involved here is not the point - it is a matter of principle. I have attached documentation of my conversations with Chase, as well as my statements depicting the charges and payments.
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (TX)

I have been paying more that my actual monthly payment to Nelnet for years as I was trying to see if I could pay my student loan in 10 years. I would call and they would tell me that it would be applied to principal. Since I have it set up automatically I just call in to make sure that my over payments are applied and they always would tell me that yes they are being applied and that I was making inroads to paying off my student loan debt. 
After looking at my statements and seeing that I am now paid up until XXXX of next year I decided to call again to make sure that my payments were applied to principal and the CSR that I talked to said that they could n't so I asked to talk to a manager or supervisor. Again a supervisor by the name of XXXX ID XXXX told me that I was making inroads as he that I was way ahead with my over payment but that he could not apply my over payments to principal. So then, I asked him I have already been paying for 10 years on my 20 year note and can you tell me how much longer I have to zero out my student loan debt? And he told me that I had 10 years left. And that is not right as I along with a whole bunch of consumers out there are being had. They need to put a stop to this kind of preying on innocent consumer that think nothing wrong of them until we look at our lenders more closely. 

Please assist me in making a wrong right as we have way too many scrupulous business out there. And we certainly do n't need this additional burden on students that are coming out of colleges and universities and are already carrying a big load of student loan debt.
Consumer complaint received 2016-04-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX, XXXX I recieved a call from XXXX with portfolio recovery regards to a repossession. I explained that I didnt have a car repossessed I proceeded to write them a letter requesting verification of said debt on the following dates ( XXXX/XXXX/XXXX, XXXX ) neither time was i furnished information regarding this debt. This Debt was due to be removed from my credit report on XXXX XXXX. This company reported false payment history on my credit stating I made payments to the XXXX ( this is continued false information ) .I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of payments made, never providing information that i owe said debt according to the FDCPA the amount is more than the previous reported items. ( A ) the legal status of the alleged debt stating that it is with attorneys via my credit report.
Consumer complaint received 2016-04-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (FL)

I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} " debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees!
Consumer complaint received 2016-04-16
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (MA)

On XXXX/XXXX/16, I ( XXXX ) used western union to transfer money to XXXX, I paid XXXX dollars in total, they gave me an MTCN/tracking number XXXX. My brother never received the money which was supposed to be delivered right away. Called Western union the evening of the same day and they told me to wait the transaction was pending. The following day the money was still not available. I borrowed money from a friend out of state since my nephew was sick & needed the money for medication right away. I called western union on XXXX/XXXX/16 and asked them to refund the money, they told me i will get it in 24-48 hrs. Called again XXXX/XXXX/16 and was told i will only get the the principle amount which is XXXX dollars and loose the XXXX dollars since i was asking for a refund. I told them it was n't my fault but they refused to acknowledge their mistake. I finally asked them to give me the money XXXX dollars since i had borrowed the money from a friend in XXXX to take care of my sick nephew. Western union told me i will get the money in 5-7 days. Today is the XXXX/XXXX/16 it is more than a week and have not received the money yet, it was supposed to be deposited to my account. Please help me, otherwise i will not get my money back, i have already lost XXXX dollars which they refused to refund when it was their mistake not to deliver the money to my family in need. 
Thanks for attending to this matter. 
XXXX XXXX
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

My bank account was closed when I went away for 2 months and did n't normally have access to my information. Yes, that was an oversight on my part. The problem was that when I made a XXXX transaction it came out of my bank account instead of my credit card- I have the default as The bank closed my account and sent me a letter for a chargeback. 
I paid the chargeback on XX/XX/XXXX. And told TD Bank that I need them to inform XXXX that it is paid off so I can open an account. 
I also started a dispute with XXXX to have them verify with TD Bank that the account is paid off. 
My thinking was that someone will do their job at some point and it should be cleared out pretty quickly. Right?? WRONG!! 
XXXX does n't confirm with any particular person that the account is paid off. They just send a general request out to a general dept in collections. 
Whoever checks that request does n't bother to review any notes or actually check any account. 
On XX/XX/XXXX TD bank confirmed to XXXX as a response to the inquiry that the balance is still not paid!! This is a full 20 days after the payment was complete!! This is with me including an attachment from TD Bank as a receipt that the account is paid in full that had a confirmation number. 
I just called TD Bank and spoke to a supervisor in the collections dept. a XXXX. He just gave me the general line it takes 30-45 days to update ... we will expedite .... we are sorry ... all the promises I was made a full 32 days ago when I paid this bill in full. 

We will see ....
Consumer complaint received 2016-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

I took out a student loan in 2007 from XXXX XXXX to pay for college. I recently finished XXXX school and the loan exited the grace period incurring a repayment fee. While the promissory note I signed at age XXXX did include a subsection effectively detailing that the company could tack on any fees they so desired at any point in time, I believe this to be unfair, deceptive and abusive. First, this provision was tucked away in subsection G of a boilerplate contract and was not disclosed in a clear and conspicuous manner. Second, the methodology of calculating this fee was never disclosed. Third, this fee is really a hidden origination charge and should have been disclosed as part of the interest rate disclosures that I am still unsure I ever received. The cumulative effect of these practices has resulted in monetary harm on my part, which I could not reasonably avoid because the fees were never disclosed to me and I had no way of calculating what they were going to be in advance.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am consolidating my debt. I understand my debt is my responsibility and am not looking to blame anyone. I called Capital One where my interest is 18 % and I have XXXX dollar balance. I pay over XXXX dollars a month in interest. All I did was ask for a reduction in my APR. I was given a supervisor that claimed she was the highest level and would not give me anyone else to speak with. She even stated her supervisor would does not even get on the phone w consumers!! I am a XXXX, my XXXX has spoken to patients with complaints. I am shocked that my account is in good standing, I pay XXXX a month on time every month, which XXXX goes to interest. I was just asking for a reduction for 12 months to save money. I am very disappointed as XXXX reduced my rate by 1/2 for one year and saved me 1/2 my interest.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (GA)

We have two mortgages for investment property with PNC Bank. We have continuously tried to get them to include the property address of the mortgages on the escrow account statements and other correspondence, with no avail. Because they are not including the address, they have misapplied tax and insurance payments on numerous occasions. 
The properties in question have the same street address, but different building numbers. We have mortgages with other companies that include the mailing address along with the property address of the loan in question. We are not asking a lot to have the property address listed on ALL correspondence. Therefore, we are asking you to contact them to assist in resolving this matter.
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (IL)

After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.