davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NM)

In the fall of XXXX I enrolled in a Masters Program at the XXXX XXXX for Advanced Studies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL, XXXX. At that time, I applied for and received a Federally Insured Student Loan in the amount of {$12000.00} in order to help pay my expenses. 

Due to complications from the aftermath of Hurricane Andrew the year before, my parents moved out of state and I was without help in taking care of my XXXX children. 

Trying to balance school, work and children proved overwhelming and I was forced to leave school and also move out of state. 

As I was between jobs, employed at minimally paying jobs or even without work for several years, I was unable to make payments on the original loan and defaulted. 

My original loan was eventually purchased XXXX XXXX XXXX XXXX XXXX PA and I was made aware of the loan 's existence again when I filed for bankruptcy in the early XXXX 's. The method of my becoming aware was when attorneys contacted my husband, whom I did not even know at the time I took out this loan, and threatened to garnish his wages for repayment. Needless to say, this led to a divorce. 

As I have finally worked myself into a regular fulltime teaching position, I have been attempting to make regular payments in the amount of {$300.00} to {$1000.00} a month in order to try and get the amount down. 

Every month I receive a bill and I have never had a bill which indicates my Current Balance of almost {$32000.00} is decreasing. 

This brings me to the point of my complaint. I have no problem in repaying the original amount of my loan plus a reasonable interest. However, my original {$12000.00} is now, according to AES, {$31000.00} and in the time I have been paying, it has never gone down. This while the statement tells me I have paid a total of over {$29000.00} in both interest, {$21000.00} and principal, {$8000.00} over the years, with the {$31000.00} yet to be paid. 

I have asked AES for a complete accounting on this loan from the time it was originated until now. They have told me they are unable to provide that information. 

Any assistance your agency could provide in assisting me in either getting a full accounting or assisting in understanding how much and how long I would have to pay until this is paid off, or even if it could be forgiven considering how much I have repaid over the years would be appreciated. It appears this will never, actually be paid off, but will continue to provide AES with income for the rest of my life. 

I am concerned that at the age of XXXX, with retirement on the horizon, my retirement income will not be enough to repay this loan and still survive.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WA)

I refinanced my home mortgage. The refinance closed at the beginning of XXXX 2016. 
My loan servicer, before this refinance closed, was Freedom Mortgage. 

The title company, for the refinance XXXX XXXX XXXX requested a prepayment for the second half of our 2016 property taxes, {$2300.00}, due on XXXX XXXX, 2016. XXXX paid the property tax on XXXX XXXX, 2016 check # XXXX. 

After receiving my escrow refund from Freedom Mortgage, which was less than I expected, I logged in to Freedom Mortgage 's website, and realized Freedom Mortgage had also submitted payment for the property tax from my escrow account on XXXX XXXX, 2016. 

I called Freedom Mortgage on XXXX XXXX to inquire about this double payment. They told me the tax department would have to investigate my claim and this would take up to 30 days. On XXXX XXXX, 2016 I called Freedom Mortgage and they told me that their payment was not refunded to them, and I should call my county treasurer. 

According to our XXXX County XXXX, Freedom Mortgage uses a third party XXXX XXXX XXXX to handle tax payments to them. XXXX receives payments in bulk from Freedom mortgage early in the month of XXXX and pays near the due date of XXXX XXXX. Also, according to XXXX County Treasurer, the county tax roll is updated to XXXX on a nightly basis, and since the tax was paid on XXXX/XXXX/2016, the payment for our parcel would be deflected, email attached. 

I called XXXX to confirm this information. They told me that the payment for our parcel was deflected and they had refunded the payment to Freedom Mortgage in a bulk refund of {$63000.00} check # XXXX on XXXX XXXX, 2016, email attached.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (IL)

To Whom It May Concern : I have had an ongoing issue with American Express dispute resolution. Back in XXXX I purchased XXXX pairs of shoes from XXXX for {$1500.00}, XXXX. None of the shoes fit, so it was returned right away back to XXXX as described in instructions. The items were sent to : XXXX Returns Service XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. I sent them first time by XXXX ; Mon XXXX/XXXX/2016 Tracking # XXXX. They returned without saying anything. I then thought it was a mistake, sent it back again by XXXX overnight, Wed XXXX/XXXX/2016 Tracking # XXXX. Few weeks later, it was returned again. And one more : Tue XXXX/XXXX/2016 Tracking # XXXX. Then I got the items back, and I contacted American Express via the chat system asking what shall I do - I have useless shoes and the XXXX is playing games. The customer service reassured that they have no problems to resolve such cases, saying " they have no reason to disappoint me ''. I was instructed not to send anything to XXXX, and if anything is needed I will receive further instructions from the dispute department. 20 days later - the case is denied, saying I have the merchandise and I am not entitled to refund because of that. So I sent the merchandise back to XXXX one more time : Wed XXXX/XXXX/2016 Tracking # XXXX. No return was received. So first case was denied, because XXXX says " items were returned/not authentic ''. I then reopened the case, saying it was returned and accepted. So the case was reopened, I got a letter from Amex asking for a proof of return, they got it, wasted another XXXX3 weeks, and denied the case, saying its not my problem. 

At this point, I have no shoes, I have to pay to American Express, they do n't let me talk to investigator, saying that they are not even in the US and they do n't have phone numbers. 

To me it looks like American Express has illegal deals with big stores, which results in denial of all claims as long as it is not fraud. American Express suggested to file me a fraud claim if I want to " have a different outcome ''. 

Please investigate the whole issue, and help me to get the proper resolution in this case. I will be filing more complaints with other agencies and probably social media/news outlets to let others know how American Express is operating. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is refusing to remove 2 incorrect/fraudulent previous addresses from my credit report. I first informed them of these bad addresses in XX/XX/2018 and after about a dozen calls since then, they claim to have removed the bad addresses 3 times. However subsequent credit reports from Equifax still contain the fraudulent addresses. After all this, Equifax then claimed that they could not tell me which credit company was continuing to report the bad addresses and that I needed to call each one to determine who was reporting it and to correct it. I called all of the credit agencies on my report and all say that they are not reporting the fraudulent addresses. I called Equifax yet again today XX/XX/18 and they said that there is nothing that they can do. So despite their clear admission that they are reporting fraudulent information for me, EQUIFAX SAYS THAT THEY WILL CONTINUE TO REPORT INFORMATION THAT THEY KNOW IS FRAUDULENT. PLEASE HELP!
Consumer complaint received 2018-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I obtained a loan through Synchrony bank to purchase a XXXX indoor bike. XXXX has since then cut ties with XXXX, but shows account as closed with open balance on my credit report. This represents a hit to my personal credit history which is currently recovering from a recent bankruptcy. Neither XXXX nor synchrony seems to take into account the damage this may cause to customers. Its unfair!
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TN)

I called citi bank regarding my XXXX credit card XXXX on XX/XX/XXXX. This card can be used anywhere but the rewards are redeemable for XXXX purchases. Apparently the XXXX credit card statement which we didnt receive had a {$580.00} XXXX reward certificate that expired XX/XX/XXXX. Their limited attempts to notify us involved sending emails which went to my wife ( XXXX XXXX ) spam folder. The representatives on the XXXX number are telling me there is nothing they can do and there isnt anyone that can reissue the {$580.00} certificate. If we had lost a certificate I could understand this response but we feel that our {$580.00} is being withheld regardless of the fact that we didnt receive the statement containing the certificate through the mail.
Consumer complaint received 2018-03-05
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)

Brief : XXXX XXXX miscalculated my AGI in XXXX of XXXX and discontinued my payment schedule under Income-based repayment. This caused two problems 1 ) my payment went up and 2 ) ~ {$15000.00} of interest capitalized on my  account. It has now been 9 months since XXXX XXXX error and I have spent >20 hours on the phone with them and the issue has only been partially resolved. I am now re-enrolled in IBR and my payments are back to the correct amount, however the interest that capitalized has still not been corrected, and continues to accrue compounded interest. 

XX/XX/XXXX : XXXX miscalculates my AGI, and discontinues IBR. ~ {$15000.00} of interest capitalizes and my payments increase to XXXX standard level. 
XX/XX/XXXX : I am advised not to pay the XXXX standard level ( ~ {$1800.00} ), but to pay my IBR amount ( ~ {$740.00} ). If i overpay and the issue is corrected, I was told it would be a lengthy process to get a refund from the 'Treasury '. I placed TWO requests with XXXX : 1 ) Re-enroll me in IBR and correct the payment amount ( Override request ) and 2 ) Un-Capitalize the capitalized interest ( ~  {$15000.00} ). 
XX/XX/XXXX - I am re-enrolled in IBR and payments return to correct level ( ~ {$740.00} ). However, the payment form XX/XX/XXXX is still " Overdue ''. 
XXXX : I spend >15 hours on the phone on separate occasions to expedite the payment override request, as I receive angry emails from XXXX for my " Overdue payment ''. It is finally resolved just prior to the payment being reported to the credit bureaus. 
XXXX : I spend > 5 hours on the phone attempting to resolve interest capitalization issue only to find out that the poorly-trained XXXX agents did not place the correct interest capitalization review. ( I was told they un-capitalized a single day 's interest from XXXX ). A NEW interest capitalization review is placed after a lengthy discussion with an agent that did not believe my interest had been capitalized ( see attached statements for proof ). 
XX/XX/XXXX : I called to check on status of interest capitalization review and was told that no estimate could be provided on when it may be resolved, if it was likely to be resolved, or any party I may contact to have these questions answered. 

My requests : 1 ) Please un-capitalize the ~ {$15000.00} and all compounded interest that  continues to accrue on my account ever since the XXXX error occurred XX/XX/XXXX. 
2 ) If the task can not be immediately performed, please inform me WHEN this will be completed.
Consumer complaint received 2018-01-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

- I've been a customer with Chase for over 6Y, & I have been VERY satisfied with their service, I have a checking, Saving & two credit cards with them. 
- This XXXX. I finally started my own business ( XXXX XXXX XXXX ). 
- On XXXX XXXX, I went to " My Bank '' Chase to open a business account, the banker " XXXX XXXX '' was really very helpful, she opened me a business account & a credit card for business. 
- I got an email confirmation about everything & that it is all OK, so, I used the bank account to make 2 payments related to the business, one to XXXX County, & one to XXXX XXXX. 
- on XXXX XXXX, I tried to login to my bank account online, I discovered that my login is suspended! - I was never notified the account was restricted formally until more than a week after-. 
- I went to the nearest branch, the banker told me they restricted your account & they didn't mention why! The banker told me " They didn't mention any reason ''. She gave me a phone number " maybe '' they would know why! 
- I called, the rep advised that they failed to verify my identity! ( I already have 4 accounts with chase & have been dealing with them for over 6 years )! He asked me to take my social security card, DL & go to a Chase banker to verify my identity! 
- I took them & went to the same banker opened the account, she wondered & told me " I just copied your info from your other accounts '' ( they all linked ), she scanned both of them ( SS card & DL ), and uploaded them, but also couldn't solve the issue, & didn't know why or what was the reason! After talking to her manager ( who also didn't know why they closed the account! ) they ended up that I might have an identity theft, which scared me ( I'm planning to buy a house ). They printed me the contact info of the 3 credit bureaus & advised me to check with the Social Security Admin. ASAP. 
- After wasting 3 hrs with the SS Admin. & get my Credit report, I found everything is perfect & I don't have any problem. 
- I want to know why they restricted my account, WITHOUT ANY REASON! & put me in this situation with my creditors?! If there is a problem ( and there is not ), why they didn't just put things on hold till they confirm anything - again, I wasn't just walking by & decided to open an account, I've been dealing with Chase for over 6 years ). Is it discrimination or not to pay {$300.00} new acc bonus!!!! They wasted my time ( a LOT of time ), scared the XXXX out of me ( Identity theft issue ) & might affect my credit so bad ( XXXX XXXX ) - I was NEVER late on a payment my whole life!!!
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (FL)

Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase Issue involves money sent to me on XX/XX/2018 by XXXX through a payment service, XXXX. 

My complaint is that Chase provided me with inadequate instructions and failed to communicate with me. 

XXXX sent money to me via a payment service by sending me an email with instructions. I followed every instruction given to me to add that email to XXXX. After I did that, Chase, my bank, sent me an email to the email address registered with XXXX telling me that XXXX had sent me money. So I went through the link they provided and followed all of their instructions to a T. 

Chase told me the money would be available in 1-3 business days. I was able to see the payment, choose which account to put it into, and otherwise access the details of that payment on their website at the time. 

Chase then canceled the payment and did not notify me in any way. On the Chase website for their payment system, XXXX XXXX with XXXX, they have a phone number and THREE email addresses for me, including the one they used to send me the email saying I had money. They did not bother to contact me at all. 

So when I went to pick up my car, the money from the insurance company wasn't there. I called Chase and they told me my email wasn't " linked '' properly. I was told that in order to receive the money, I had to make that email my " primary '' contact. This was inconsistent with my past experiences. To explain : I have my " primary '' contact with Chase listed as my phone number. In the past, I have received money sent through XXXX when that money was sent to my email address, not my phone number. 

This happened despite my following all of the required steps, using the link provided to me by Chase, and after viewing the payment on Chase 's website setting up which account to put the money into without anything amiss. 

The problem here is the lack of adequate instructions -- if the email needed to be " linked '' somehow, the instructions should have included this necessary step -- and the lack of communication from the bank when they canceled the payment. If the bank sends an automatic email when money is sent, they can send an automatic email when a payment is canceled. 

My insurance company, XXXX, is reissuing the money, but is now going to use a paper check because Chase 's online payment system is not reliable enough to try this again. This may sound like a minor issue, but this was a large payment for an insurance claim for extensive weather damage to my car, which is going to leave me without a car.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

I continue to incur unnecessary charges to my account. 


I have been attempting to have thee named fees returned and the bank refuses when most of them aren't valid and the other half are mistakes that need correcting. 

I need help resolving this issue prior to closing my account. I do not have funds to simply " throw away ''. 

Please advise, I await a reply.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I legally changed my last name to my maiden name, and I have the court order. I sent the court order to Trans Union and up to date, they still show my old last name. Trans Union claims that my creditors report me with my last name which is not accurate since I notified ALL and the name was in fact changed. I changed my SS, XXXX, Driver 's license, however, Trans Union will not change my last name. This is causing me a huge burden as I had no choice than to freeze my credit report.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

I am attempting to complete a rollover distribution from my Wells Fargo 401 ( k ) account. I contacted Wells Fargo Retirement Services on XX/XX/2018 and was told that I needed 10 pages of notarized paperwork with a copy of my identification in order to do so. I spoke at that time to " XXXX '' in Distribution Services, who was to email paperwork but never did. On XX/XX/XXXX, I spoke to XXXX with the same result. On XX/XX/XXXX, I spoke to XXXX and finally received the paperwork. I completed it, had it notarized and mailed it back as instructed ( there is no email option ) on XX/XX/XXXX. On XX/XX/XXXX, having received nothing, I contacted the company again and was told by XXXX that the paperwork was never received and I would have to redo it. I have not encountered this level of bureaucracy and inefficiency with any other plan manager. In fact, I have done all other rollovers completely via telephone. I refuse to continue to pay for notary services and to make matters worse there is an after tax amount being held hostage by this company as well. I have been laid off and could definitely use those funds. I will not comply with an egregious request for something completely unnecessary and simply want the funds mailed to me for rollover. 

XXXX XXXX
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (LA)

I have no knowledge of this debt. My account with two credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.