davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

I have a chase credit card which is paid through bill pay from my chase checking account. I have the payment schedule set up to be received by the credit card on the due date. The credit card has begun to charge me late fees because I was told the payments are n't posting for 1-2 days after I the due date. These payments are supposed to be posted the same day since it is the same company. The rep from the credit card company sai I was responsible for when the payments post! The late fees were waived this time but I was told they may incur again. I feel that chase is falsely and deliberately charging late fees. If I had not questioned this the fees would not have been removed. I feel you should be aware of this because I am sure this is happening to other chase customers.
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (MI)

I graduated in 2013, am unemployed and not able to pay the {$800.00} per month pay back on my loan. I am looking for employment and, the monthly payment is too large for me to be able to pay while covering my living expenses. 

I have repeadetly contacted Wells Fargo for assistance in lowering my monthly payment. I do not qualify for consolidation because of my credit score which was marred by Wells Fargo. In addition, even if they DO offer a consolidation loan, the interest rates are very high and it would not lower the monthly payments. 

It is impossible for me to pay {$800.00} and I am hoping for assistance in renegotiating the loan with a reasonable monthly payment.
Consumer complaint received 2015-08-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MI)

I received private loans to finish my degree with the University of XXXX. After successfully graduating, I have been unable to repay my loans as I have been unemployed and unable to find full-time work. I am no longer able to put them in deferment or forbearance and I am on the brink of defaulting because the loan provider has said I have no other options and I must make payments. Being unemployed and trying to pick-up any odd job possible while my wife teaches and I take care of my kids leaves me short of money.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due zero. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (FL)

The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XX/XX/XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XX/XX/XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all three credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only XXXX mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than XXXX mortgage. We asked to have them provided so we could rebut them and show that it was false, but Suntrust refused. As of today, the appeal was again denied on erroneous and unlawful grounds.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I recently paid a debt of {$160.00} from 2012 against my principles to the XXXX XXXX of properties, specifically the XXXX at XXXX XXXX. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on XXXX XXXX with the XXXX XXXX stationed at XXXX XXXX, MD. I was in the XXXX Transition Unit at the time, recovering from XXXX. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in the military. Later, the property manager informed me that since I had not renewed a lease that I was to be placed on a month to month basis at a higher rate. I informed her at the time that I offered to sign a lease but was told it was n't necessary. This debt still exists because I do not agree with this business practice. I have certainly had the means to pay, but I felt it was wrong and also it is in direct violation of the Servicemans Civil Relief Act, which is supposed to prevent companies like XXXX from taking advantage of military members that are being housed temporarily due to military service. Unfortunately, my financial well-being has been damaged for too long as a result of this, so I am reluctantly paying the {$160.00}. I 've reported this behavior previously without it being resolved. The XXXX XXXX should be ashamed to earn money in this bait-and-switch fashion. In my opinion they should be investigated ; violations of SCRA are criminal penalties. Taking advantage of members of the military is about as low as it gets.
Consumer complaint received 2017-12-06
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC (NY)

I request that you make out a check of {$24000.00} to resolve the title fiasco which is ongoing. Instead of closing on the sale of the condo last summer, as scheduled, we barely closed just now in the autumn after arduous labor, and a still unresolved title problem. It was just short of four months of delay and legal work involved with this corrupt, but insured title. 

Here is the breakdown : Common charges for four months $ XXXX {$1600.00} Mortgage payments for four months since the scheduled closing $ XXXX {$5000.00} Escrow held by the title company because of the still corrupt title= $ XXXX Legal fees of my husband, an attorney, for four months of work= {$12000.00} Extra legal fees paid to our transaction attorney XXXX XXXX= {$4000.00} more than originally agreed upon, but an additional amount paid due to the extra work required to close Total= {$25000.00} Will you issue that check please? 

Also, you should issue a check to XXXX XXXX for unpaid legal work done to resolve this corrupt title.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

In XXXX XXXX, A submission to PSLF was submitted to XXXX and was approved. In XXXX XXXX, XXXX XXXX took over but did not address what forms of payments qualified. XXXX XXXX payments made but stated are n't towards any plans. XXXX XXXX still no action from XXXX regarding transfer of loans. Finally got hold of an agent in late XXXX XXXX and was told to resubmit all documents to be placed in a plan. I feel cheated and neglected to be advised from XXXX XXXX until XXXX XXXX XXXX 3 Months credit ) of payments not counting towards anything. I spoke to agent about credits, and was told sorry, no credits. 

To make matters worse, once qualified, no indication of any payments are towards any month crediting towards the 120 payments in any month 's statements. The only notice received at year end was to resubmit annually an employment verification form to be reviewed. This posses a delay for those who pay on time.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I had a collection show up on my credit report that should not be there. I spoke with Hunter Warfield about a debt of {$1000.00} from XXXX XXXX XXXX. That is our old apartment complex but was never told that there was an amount due and all of a sudden it showed up on my report. We left the complex on good terms and now I am getting multiple calls a day from them in Florida demanding payment and threatening to notify my work that I have this collection.
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (FL)

In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter to SYNCB/Walmart which was listed on my credit report on XXXX XXXX, 2016 which was signed for on XXXX XXXX, 2016. I requested validation of this account. On XXXX XXXX, 2016 I sent another certified letter in reference to the same manner. I pulled another copy of my credit report on XXXX XXXX, 2016 and noticed that this same company had not furnished the credit bureau 's with the required disclosure within the required period by law. I sent a certified letter on XXXX XXXX, 2016 to SYNCB/Walmart informing them that they had not furnished the credit bureau 's with the required disclosure, within the period required by law. Federal law requires them to place a " notice of dispute '' on my account within 30 days of my original dispute which they signed for on XX/XX/2016 certified mail. Copies of my credit report are enclosed with this complaint to show clearly that the " notice of dispute '' is not showing. This report was printed on XX/XX/2016 which is well over the 30 days that they had by law to comply with the federal law. SYNCB/Walmart is clearly in violation of breaking federal laws.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY (MT)

I have totaled altogether XXXX in overdraft and transfer and interest fees for 1 month from XXXX XXXX Bank . This is like a loan sharking Bank and I am very concerned about the extra charges. Additionally, I have not received any bonus miles on my Credit Card in over 9 months and I find that confusing. I am unable to get XXXX the manager at XXXX XXXX in XXXX, Mt. to call me back and explain these charges.
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Citi Cards initially advised my XXXX 2017 payment was never paid. I received a letter stating now it was received, but was 30 days late. This is false. Company is refusing to take responsibility and remove these late payments. I have never made a payment outside of 30 days. I would like to know what other federal regulation agencies that I can contact to finally get to the bottom of this issue. 

THIS IS A NEW COMPLAINT, WHICH ADDRESSES THE CLAIM THAT I WAS 30 DAYS LATE.
Consumer complaint received 2017-02-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have a Capital One credit card account. As with my bank atm/debit card accounts ( complaint filed separately ), My Capital One credit card account was hacked. Capital One acknowledges that all purchases that I claimed were not done by me and had credited back my account. They also advised me to stop using the card, which I did, and they would send me a new one. Each time, I could use the card for purchases and then again, other purchases would show up that I did not make. The cycle of fraud continued. 
However, there have been numerous cash advances and cash advance fees that started showing up which I explained to Capital One, not only do I not use the credit card for cash advances and I also do n't even have a pin for using. 
They called me and said that since there is a pin on the account and the phone number used to acquire this pin was one that I knew of ( my son and I were in the car and were about to go to dinner. I had gotten my new credit card and it needed to be verified so he used his phone to call and verified the account, but did not get a pin ). Because of this action, they claim that I know the person who has been using the card to make cash advance withdrawals. 
As of XX/XX/2017 my balance is now {$3000.00}. I have attached statements from both XX/XX/XXXX and XX/XX/XXXX, showing where adjustments were made and then debited back to me. 

They said their fraud protection does not apply to this because they claim they were made by someone I know. ( I feel they do n't want to admit that the system was hacked by someone and they have no way to prove who made these cash advances so they put it back to the consumer - same problem as I am having with my former bank ).
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KY)

On XXXX I had 3 fraudulent charges on my XXXX XXXX card from XXXX XXXX XXXX the transactions took place in California., I live in Kentucky XXXX I called the XXXX XXXX XXXX and told them these were fraud. I called California state police they said call the Kentucky police. I did they said call California. The transactions started about XXXX XXXX central time on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> 
XXXX XXXX XXXX store XXXX {$810.00}, XXXX XXXX XXXX store XXXX {$340.00}, XXXX XXXX XXXX store XXXX {$87.00}. I called the stores they said the purchase was suspicious. I informed the stores they were fraud. My card and Pin have never been out of my possession. On XXXX I immediately called XXXX XXXX to inform of the charges, they canceled the card and gave me a new card and instructed me to destroy the old card and I did. I was not able to file a Reg E claim on this date. I could not get thru to level 2. Since this has happened I have called over 50 times to make a Reg E claim. The bank  is refusing to allow me to make a Reg E claim. They level one operator tells me each time I will have to speak with the level 2 operator. I told them not to transfer me to level 2 until they could get a human on the line from level 2. I told the level one operator I  need to file a Reg E claim and get provisional credit they say talk to level 2. I have called every day since XXXX I have a call log upon request. I did get thru to a level 2 person one day and she said her computer was down and I would have to call back. The bank is refusing to let me make a Reg E claim. I have not been given provisional credit for the fraud charges.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Bread Financial Holdings, Inc. (FL)

My wife and I have A XXXX credit card ... .my wife ordered a shirt from the store @ XXXX XXXX XXXX store.The shirt arrived was great when she got the bill she called the store @ XXXX and paid the bill over the phone in full ... .the next month she got a bill that stated that the XXXX payment was returned because she paid with a debit card ... ..How was she to know that the charge payment was returned. When she called she was told that they do not accept debit cards over the phone???? Will accept in store so we got a XXXX dollar charge for returned payment and XXXX charge for late payment ... ... .if we were not in our XXXX 's they would not be taking such advantage of us We paid our bill in good faith ..was pleanty of funds ... we were never told that the payment was not accepted till it was too late. Not fair!
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (GA)

Around XX/XX/XXXX, after evaluating many business credit cards from various providers, I chose a Wells Fargo XXXX, because the rewards points NEVER EXPIRED. 

In XX/XX/XXXX a review of my account on the rewards website showed a NEGATIVE number of points ( XXXX ) for the month of XX/XX/XXXX. When I called the WF rewards dept to inquire, they informed me that these points had EXPIRED on XX/XX/XXXX 

I responded that my card was XXXX of their programs in which in which points did NOT expire. I was told that the policy had changed, and NOW the points DO expire. I stressed that I was not aware of any change, and was told that I was notified on the last few statements. I then inspected my most recent statement, and I do see that it mentioned the impending expiration, but not in a very prominent fashion. Something that has such a material effect on the financial standing of a customer should be conveyed in a more prominent and thorough manner. WF 's meager provision of this important information in such a non-descript manner at the very least seems inadequate and unfair, and at the worst perhaps intentionally deceptive. 

I explained that as a business owner, I have accounting personnel that routinely pay the bills, thus I rarely ( if ever ) see the actual statements. I requested that a one-time consideration be granted to me & that they restore these expired points. Understandably I had to move up the ladder through several agents to get to someone with the appropriate authority, but to no avail - I was finally told by a supervisor that they would NOT replace my points. 

I do a pretty large volume of business on this card ( around {$30000.00} per month XXXX, it would take WF only a few months to realize enough profit to cover the cash value of the rewards points in dispute ( approx {$4500.00} ).
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A company by the name of XXXX XXXX has obtained my personal credit without my authorization twice in XXXX. They have obtained my credit on XXXX XXXX, XXXX and XXXX XXXX. Every time i have called them they said they had no clue who i was or do not have a application on me. They begin to tell me they will remove the inaccuracies of the hard inquiry on my credit but do nothing. This is fraudulent activity and i am requesting help to have this removed from my personal credit file with Transunion XXXX XXXX.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

I currently work at a XXXX XXXX than the one I bank at. I have decided to change everything over to this new account and change everything out. I thought I had everything coming out of my new account, but three of the people pulled it out of the old account. I did n't want to close out the old account incase something were to come through I wanted to make sure things were taken care of. Only XX/17 a withdrawl of XXXX came out from the XXXX XXXX that was not suppose to. I figured I would take care of that and the overdraft asap. When I checked the account I was noticed a few fees on the account. When I called the XXXX, OH branch of PNC I was told that they charge XXXX dollars for one day, XXXX for two and XXXX for 3 up to 14 days. He informed me that I was almost at the 14 days when this took place. This has resulted in XXXX dollars worth of fees. I was told that they would see when they could do so that I could close out the account, but that I would just have to check the account. I have since has 2 more things come through, both of which were suppose to come out of my new account that has given me yet another overdraft fee. I am okay to pay the things that have come out and take care of what I need to, but it is my understanding that it is against CFPB regulations to charge an already overdrawn customer fees per day for being overdrawn. I would relly like to get this taken care of.