davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

There are multiple fraudulent charges on my account. After multiple representatives telling me the case was taken care of and the stolen money being deposited back into my account the case was somehow transferred to someone on the escalated team, XXXX at XXXX. XXXX. She proceeded to tell me that these are not fraud and that I must have dealt with them before. When I explained that is not the case, she became sarcastic and told me I was lying. I asked for some sort of proof from the companies that she found during her investigation and XXXX stated that she did not need to investigate because she did not believe. She said that because other people had done business with them I must have too, which is not the case. When I attempted to notate what she was telling me and asked her to slow down because I was doing so she started to get loud and hung up on me. A few days later I received a letter from Chase stating that every charge in the fraud case had been closed in the companies favor. However, XXXX refuses to allow me to talk with another representative about the case or investigate the charges as they are required to do so.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

Hello, In regards to : Name : CREDIT ONE BANK Acct # : XXXX - This item is currently under investigation. You should receive the results of our investigation soon. 

I am demanding that you remove this item from my CR. This has been under investigation for well over 90 days with no update and I have continually reported this as inaccurate. I will be filing another Attorney General complaint against EQUIFAX if you do not comply with my request! 
XXXXXXXX - This account does not belong to me. You have not proven such and again, this Collection account should be removed from my report under EQUIFAX immediately! I did not pay XXXX a dime of my money for any account, because I have never had XXXX as a provider. REMOVE THIS NOW! 

Also, there are a number if Credit Inquires that you have allowed to take place with your company, which no other CRA has been as shady to allow. Your company is horrible! 
These inquiries should be taken down immediately - or you need to supply me with PHYSICAL documentation showing just cause as to why these inquiries are on my report with you. If you can not, these inquiries are to be removed pronto : XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (MA)

I Had been a member of XXXX XXXX since 1980. During that time I have kept the account in good order and have had perfect credit for the past 30 years. 

I am a XXXX in the XXXX XXXX Area and have had some difficulties in recent months having lost XXXX sales. This had greatly impacted my cash flow. I fell behind in payments to XXXX XXXX as a result of this and have attempted to work with them to bring the account up to date. 

During various conversations with XXXX XXXX, I have been given information which has varied, to say the least. I was informed that if my account did not reach 120 days late ( which it had not ) it would not be reported to the credit bureaus. I aggressively paid down the balance which has been paid in full. The personnel that I had spoken with ranged from being very nice to badgering and somewhat abusive. 

I was recently informed, without notice, that the account had been cancelled and reported as such to XXXX XXXX XXXX and XXXX by XXXX XXXX despite previous representations that it would not be reported. With this derogatory information on my credit, it could cripple my business. I rely upon construction loans from lending institutions to operate my business and my fear is that this negative information will prevent me from obtaining this needed financing going forward. 

Additionally, XXXX XXXX has assessed service charges on this account which totalled more than {$10000.00}. The rate of the service charges was 2.99 % per month on the outstanding balances. I was also informed that I had lost over XXXX points that I had accrued through the use of this card prior to this difficulty. 

Any assistance that you can offer in this matter will be greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

First of all, the compound interest is a joke. I am making {$320.00} payments every month and my balance keeps growing like weeds. Basically, my payments are just going into thin air towards ridiculously high interest rates. This is for private loans, no complains about government loans. 
Second of all, they are never willing to work with you on payments. For the longest time they would n't tell me I could use income based repayment plan and they made me do deferment and forbearance instead. They were not willing to lower payments even after I told them I went through XXXX and was struggling financially. They gave me an attitude when they saw a new car loan on my credit but when I asked them how they expected me to get to work when the bus took 2.5 hours, they had no good answer. 
Navient is not a student loan company, they are a modern day debtor 's prison!!! 

P.S. The school that I attended that pushed me into these loans at the age of XXXX and promised me gold mountains is just as bad as Navient. They are now closed and I am left with piles of debt.
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

on XX/XX/2017 my parents received a phone call from some man stating that he was a XXXX County ( GA ) detective and that he had court documents to serve me with. He gave my mother a phone number to call if I needed more time to work this out. Well, I called the number XXXX case # XXXX and was transferred to a XXXX XXXX from XXXX XXXX XXXX She turned out to be one of the rudest persons I have ever spoken to in my life I started asking her questions regarding this debt and that 's when she started to call me names, stupid ( she told me she was smarter then me ) and she also stated that I had selective memory on my debt that I owe which she had stated was about 8-9 years old, she threatened to go to my job etc ... .. The first call she hung up on me so I called her back and that 's when she really start the name calling so I must admit I lost my cool and told her to go ahead and send me the XXXX papers Anyway, I have a document, release of liability, from a law office that I have already paid this debt which is from HSBC ( XXXX ) but this women would not even listen to me
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

I have files several complaints nd have not Been answered in a satisfactory manner by Wells fargo. Pls call me At XXXX. I have sent them transaction records and a copy of all bank statements to Wells fargo and Thy found XXXX errors but Did nothing To correct them. If I. Any find help from your organisation then I will need To take them To court again. I took them To court in XX/XX/XXXX and XXXX never followed The court judgement. Thy have Also never called me and apparently now XXXX have put mh house in dore l'osier as of XX/XX/XXXX with out dvising me. Thy have dfidThe court judgement a and I dont understand How XXXX can legally do this when I took them To court and won. I Will Also be in contact with The judge on my case. Wells fargo go es you a reaponse that rhey think you want To here and never take Care of The questions on hand. Pls call me At XXXX so we can discuss. XXXX have failed To report and apply all of my payments which have Been made on Time. 

XXXX XXXX
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Safe Deposit Box, of XXXX XXXX XXXX XXXX. 
XXXX bank account, transferred from XXXX XXXX XXXX, XXXX, CT. Wells Fargo N.A . I was query 'd by IRS, owning income XXXX, XXXX XXXX XXXX XXXX. I am the XXXX XXXX XXXX XXXX, and probate opened up an estate. I have possession and title XXXX XXXX XXXX XXXX, XXXX, CT. XXXX. XXXX. Wells Fargo N.A . filed an instrument of deed, to themselves and owe me {$330000.00}. 
No one see 's a bank. Their XXXX XXXX, is a massive failure, used by XXXX bank and many many many many other abandoned properties and businesses and seems to be " Inactive '' and they all are not worth a penny.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (MD)

DISCRIMINATION ON THE BASIS OF MY XXXX. THEY ARE ALSO REFUSING TO GIVE ME EQUAL SERVICE TO ME ON THE BASIS OF MY XXXX. I DO NOT KNOW WHAT IS WRONG WITH THE XXXX PEOPLE AT THIS CREDIT UNION. THEY ARE XXXX AND XXXX. IM NOT RECEIVING EQUAL SERVICE ARE EQUAL PROTECTION. I CAN NOT RECEIVE ANY HELP OVER THE PHONE AND WAS BANNED. THEY AFTER FIVE YEARS HAVE A SECURITY NOTICE ABOUT MY SOFT VOICE CALLING ME XXXX. BUT COULD NOT DO THIS PRIOR AND LOCKED MY ACCOUNT SEVERALTIMES. I WAS STRANDED ON VACATION AND ALL MY CREDIT CARDS AND CHECKING WERE FROZEN.THEY CAN DO THIS BUT NOT
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

BofA in Colorado has long history of compromised service. On this occasion I was directed to go to a " virtual ATM '' to do a large transaction with a {$3200.00} check to bring overdraft current. I had acquaintance and his friend drive me there. ATM has had problems before so I checked to see if it was fully operational. They said it was. When doing transaction they informed that " second ID scanner '' was not working and told me to " cash check at issuing bank and deposit cash at BofA center nearby ''. I did as suggested. Acquitance XXXX grabbed the cash and dumped me in an alley on the way between banks. This is the latest in numerous compromised banking practices from BofA and frequent misinformation leading to risky transactions. This serious crime was inevitable and the entire community is at risk because of the poor advice and misinformation because of the limited banking practices in colorado with BofA. I am now afraid for my life, cant sleep, broke and traumatized.
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (CA)

The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX XXXX as a result of an XXXX that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XXXX/XXXX/XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX XXXX on XXXX/XXXX/XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XXXX/XXXX/XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by XXXX XXXX ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the XXXX XXXX XXXX XXXX, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by XXXX. 
Later on XXXX/XXXX/XX/XX/XXXX, I received a separate notice from GC Services requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AK)

You asked XXXX questions. 1. Yes. 2. No. 
My credit report has someone else 's SSN and lists a place I have never lived. My homeowner 's insurance went up. I called the insurance company several times, and FINALLY one person would tell me why ( sort of ). She said it had something to do with my credit score. I paid off my house and have no debt, and I can only suspect that is why. One company told me I had EXCELLENT credit, but somehow my credit score increase my homeowner insurance by several hundred dollars. No one will speak with me at the credit company or the insurance company about the truth. I absolutely hate this system! Help!!!
Consumer complaint received 2017-01-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with California Civil Code Section 2920 - 2944.10, the California Homeowners Bill of Rights, I am eligible to receive statutory compensation for the prohibited act of dual tracking. Additionally, upon the Trustee 's Sale of the 2007 Deed of Trust at the requests and direction of Bank of America through Trustee XXXX XXXX XXXX XXXX ( XXXX ), any sale can be reversed as dual tracking has occurred in this instance. Bank of America, through resolution of this CFPB escalated case complaint, may do so within the 60 days allowed to resolve this complaint as requested. All previously mentioned resolutions, as applicable, are also requested and desired as stated.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (SC)

I am reporting Capital Accounts Account No. XXXX for violations of the Fair Debt Collection Practices Act. I am enclosing the letter sent to me by Capital Accounts which shows a misleading collection amount and unfairly adding interest on a debt that the original debtor XXXX did not require. I have also received phone calls in which the representative verbally insulted and belittled me when I questioned the validity of this collection. I have blocked many of the phone numbers Capital Accounts uses to call due to the condescending attitude they have with me when I talk to them. I am enclosing a copy of the Fair Debt Collection Practices Act with highlighted sections which express my concerns with this company. 

Capital Accounts is misrepresenting the amount owed to XXXX by me from the year XX/XX/2012. XXXX did not charge interest fees on any services rendered to me. The paper work sent to me by Capital Accounts which shows the misrepresent the amount of {$670.00} I owed to XXXX. On page XXXX and XXXX it shows {$540.00} as the original amount owed to XXXX. XXXX did not charge an interest or late fee to the original debt as seen in this summary.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (PA)

Since 2011, Fed Loan Servicing put me into multiple months of forbearance because I could not afford payments. However, in those months, the forbearances were from the company mishandling my paperwork for my loan repayment programs and were not my fault. They always stated that they need at least a month ( i.e. a full payment ) to make corrections, which cost me {$3000.00} per month.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My deceased mother had an account with Bank of America. She died in 2005 we left money in the account for repairs to the house and to pay taxes. There is {$3000.00} in the account on hold by EEU ( inheritance div ) that they could not release until they got a Death Certificated ( provided XXXX, also was previously provided in 2005 along with mother 's revocable living trust and will ). I was co-owner and also power of atty on the account. My brother is also a signatory. No one will help me or tell me what I need to do to get resolution. XXXX tells me the XXXX XXXX has to contact them, XXXX tells me I have to go a BOA branch myself ( which I have already done and they referred me back to XXXX ), The XXXX branch of BOA tells me XXXX has to handle it. I spoke with XXXX in the XXXX branch who will not pick up the phone and call XXXX, XXXX has already told me that they will not call the personal banker. XXXX did tell me the bank verified my entitlement to deal with BOA and get the money, but XXXX at BOA XXXX will tell me nothing and do nothing or call XXXX to release the money now that they have the death certificate. All I want to know is why they will not release the funds back to the account, but BOA and XXXX are a continuous circle - one refers me to the other and so forth and no one will help or release the funds. We have talked to XXXX 3 times, a different person each time. The first XXXX said all they needed was a Death Certificate, the XXXX could not even find notes for the first 2 calls. Bank of America and XXXX are doing this to keep the money to which my mother 's beneficiaries are entitled. They are now telling me it has to be probated, although I have a pourover transferring everything, including the bank account, into our family revocable living trust at my mother 's death to avoid having to probate. No one will discuss this and tell me what we need to provide in order to get the money back to the account. It is too expensive to file probate 11 years later over a {$3000.00} bank account. The worst customer service I have ever seen, all for the purpose of taking our rightful inheritance. They wo n't discuss with my brother because he is not a co-owner, they wo n't discuss with me because I am not in front of them in XXXX GA ( I live 5 hours away ).
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

Hello, I have a student loan through Navient that was consolidate previously from XXXX. As part of my original loan terms I had signed up for a " borrower 's benefits '' which included a 1 % reduction in my interest rate if I paid 36 consecutive payments on time. This was performed, but after the 40th or so payment there was an issue with my bank sending the money ( it was from a savings account that was limited to XXXX withdrawals a month and the money was attempted to be withdrawn just before the month rolled over ) so the payment was not able to be made. Navient sent me a message that there was a problem with my payment, I submitted the payment again and it went through 8 days after the original date. However, after that " missed payment '' my borrower benefit of a 1 % reduction in my interest rate was revoked and all documentation was taken off my account. I was unable to even figure out if they were correct in revoking that benefit. When I called and asked them about it they said it was " late after 48 hours '' - but the email to let me know there was a problem did n't come for close to 5 days after there was a problem ( making it impossible for me to react to anything in time ). Of note there was a similar problem in XXXX of this year when the charge was reversed and I submitted another charge on XXXX XXXX. 

Considering all of this, I had written Navient asking for documents describing the rules of what would constitute me loosing my borrower benefits. They were unable to provide any documentation, but they did send me a copy of my original loan document which stated that I would incur penalties if my payment was late by more than 15 days. Therefore, it seems to me that this should be the cutoff for removing my interest rate reduction - however, Navient seems to have changed the rules and this seems incorrect.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (MD)

I was revoked my XXXX credit cards by CHase and there are still many fraud charges not credites back. I request CHase to give me and re activate my credits or let apply to new ones without this negative history being considered in the process of opening a new card and applying for it. I also request Chase to refund me the XXXX dollars they still owe me.
Consumer complaint received 2016-11-15
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (MS)

I recently received a card in the mail from NetSpend stating that I could receive my paycheck two days sooner if I chose their card and paid a {$9.00} monthly fee for their premium service plan. I am not certain how they got my information or why they would send the offer to me. However, because I live in a relatively low income neighborhood, I fear that NetSpend is preying upon individuals who lack transportation to banks and/or the financial savvy to recognize predatory lenders/finance companies. I was instructed by a member of the XXXX to bring this issue to the attention of the CFPB.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

sheriff of XXXX county shows up at my door saying I have a judgement against me, from 2012, i had received paperwork in the mail and called the law firm in 2012. he asks me if i can pay, XXXX, i say, no, do you have anything i can sell, like what, no. i call the law firm again, I sent paperwork to them 4 yrs ago, info on my income ssd, XXXX per month, yet the harassment continues. I 'm worried about my husband 's bank account, because Sherriff says they can get into. what can they do to me????