davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I was approved for the Chase Sapphire Reserve card on XX/XX/2016. I applied for the card because I had upcoming travel XX/XX/XXXX and XX/XX/XXXX, and wanted the " Priority Pass Lounge Access '' which is stated as a benefit on the Chase website : " Access to XXXX+ airport lounges worldwide with complimentary Priority Pass Select membership. '' Hidden in the terms of service, Chase explains that you must " activate '' this benefit first on their website. After learning this, I activated the benefit on XX/XX/2016 and was told I would receive a card in 2-3 weeks. The Priority Pass card never arrived, so I followed up with Chase Customer Service and was told another card would be sent. Two weeks later, I have still yet to receive this card and I am unable to take advantage of this benefit. 

Chase 's website and terms of service do not disclose that card members may experience a significant delay in their ability to access this card benefit. As such, I believe their website is misleading potential card members to think that this benefit will be immediately available after " activating '' their Priority Pass membership online. 

The terms simply state : " Complimentary Priority Pass Select Membership One time activation required. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit XXXX. ''
Consumer complaint received 2016-09-13
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage processed my home loan in a illegal and unethical way. Which has resulted to XXXX of dollars lost, loss of time to formulate a resolution, this negligence has caused an XXXX veteran and their family members to suffer homelessness, XXXX, financial loss. False allegations have been made resulting in defamation of character. Many parties and individuals involved have suffered defamation of ethical capability to perform with in their professional ability that provides for their income and future career standing. Physians have been notified and have documented these truths in efforts to assist the victims and provide adequate guidance to recovery.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have disputed inaccurate personal information and inaccurate accounts on my credit file with Experian. They will not provide me with method of verification per FCRA Section 611 ( a ) ( 7 ). They just tell me in a letter " verified, '' which under the FCRA is not sufficient. They continue to ignore my requests and are not completing the requirements per FCRA to furnish such records.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (VA)

I have XXXX Chase credit cards. Most I have held and used for over 12 years. I have always made my payments and have never been late on any card. Just recently, I paid XXXX of my accounts to zero. I occasionally use my cards for tuition or vacation ( large purchases ) and pay them down. Unknown to me, they did an account review and dropped my credit card limits from $ XXXX to {$1000.00} and {$2000.00}. My goal when I paid the cards off this time was to improve my credit score. I understand that when you have a card, the credit agencies calculate your balance to the credit limit. By reducing my credit limit, Chase could cause my credit score to go down! If I were a problem client, missed payments, misused my credit - I could see this action. Their reasoning is that they think I have too much other outstanding credit. On my other cards, I utilized balance transfers because they have a much lower interest rate than most cards. On ALL of my credit - mortgages, car loans, credit lines, etc. - I have not had a late payment EVER! I have shown that I have consistently ( 20 plus years ) been able to manage my credit. I feel that Chase is harming me as a consumer by lowering my credit limits by potentially affecting my credit score. They have no financial reason to make this decision. I always make my payments and my cash flow is more than sufficient to carry the debt load that I have. I feel that I am being penalized by Chase. If my credit score goes down by this action, they could cause my other credit cards to increase their interest rates and cost me substantially more money. My income is $ XXXX and my debt ratio is 36 %. The income does not even include my husband 's income, which is close to $ XXXX.
Consumer complaint received 2017-01-14
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc (WA)

FROM : XXXX XXXX XXXX XXXX/XXXX/XXXX TO WHOM IT MAY CONCERN : I DISPUTE THE COLLECTION ACCOUNT BY PUGET SOUND COLLECTIONS ON BEHALF OF XXXX THE CORRECT AMOUNT IS {$1400.00} NOT {$2100.00}. 

During the past 12 calendar months, XXXX billed my health insurance, XXXX XXXX XXXX, for XXXX different service dates. The total amount XXXX XXXX has been paid to date in XXXX is {$6600.00}. A total of {$7100.00} was billed. I am not responsible for the charges that total {$1400.00} from XXXX XXXX, XXXX. Attempts to collect any amount from me should be ceased and this account immediately canceled. 

I have paid the maximum out of pocket amount for my XXXX XXXX XXXX XXXX XXXX XXXX insurance plan. XXXX claims, including this one from XXXX, are still being processed by XXXX XXXX XXXX. I have never received any bills or notices from XXXX. I became aware of this account from my XXXX credit report. 

My health insurance carrier, XXXX XXXX XXXX, is still processing this claim for services on XXXX XXXX, XXXX. XXXX XXXX XXXX thought that my auto insurance carrier, XXXX, was financially responsible for this claim. This is simply not true. I had a policy limit of {$10000.00} for XXXX XXXX Protection. That amount was exhausted quickly by other claims. XXXX XXXX XXXX is responsible per the terms of my health insurance policy. Ultimately, they will have to pay this claim. 


Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2016-06-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (CA)

I am XXXX from a XXXX in 2003. My income went from about {$4000.00} a month to XXXX ( social security XXXX ) My XXXX was severe enough for my Social Security to be approved in just 3 months. I have begged J.P Morgan Chase to forgive my private student loans as, my financial situation will not be getting better. I am XXXX years old, and certainly did not plan on my XXXX career to end as it did. My husband ( who is XXXX as well ) struggle each month with making ends meet. I have continually pursued this loan forgiveness, and they continually turn me down. The last letter I received said I did not meet the " destitute : criteria. My Loan is now being handled by XXXX XXXX services, who on their website it says you may be awarded a XXXX forgiveness if you are deemed unable to work. In the paperwork from the Qualified XXXX I saw for my XXXX it says, and I quote '' XXXX ( XXXX ) XXXX can not return to work as a XXXX requiring direct unsupervised patient care '' end quote. I can not lift, bend, stand, sit or lay for any prolonged periods of time. What exactly do I have to do to get J.P Morgan Case to realize I am XXXX and will NEVER be able to work again, and do not have the means to repay this loan. Would they like for me to send them one of my limbs??? I will continue to fight them and will not be making any payments of loan XXXX and XXXX until something is done. I will continue to make loan # XXXX payments only because my son co signed for that one. I need someone to listen to me and help me! Maybe its time for them to help others like they got help with the bailouts years ago.
Consumer complaint received 2016-10-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

US Bank is charging me a convenience fee to have my loan payoff faxed to me of {$5.00}. They apparently charge {$20.00} for all other loan types to be faxed. To obtain the payoff via mail it is free. I find it very hard to imagine that a fax costs {$5.00} to be faxed. The only justification that XXXX gave is this is a convenience fee, which is absurd. It would cost them more to mail me the letter.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (CA)

I have an auto loan with Mercedes Benz Financial Services ( MBFS ). We overpay a little every month, and for a year and a half the overpayment has been applied to the principal. Starting in XX/XX/XXXX, none of our payments has been applied to either the principal or the interest. Instead it has been put into an overpayment account without notifying us ( because of overpayment next payment is not due until XX/XX/XXXX ). When I called them they told me that was their policy but could not answer why they changed it without notifying us. They could also not explain why I would be sending the payment if not to apply it to the principal and interest. They told us we would have to add a note to every payment telling them to apply it to the principal.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NJ)

I did a on line bank check to my condo association it never got there the township of XXXX got the check instead. They cashed the check into their account. I have filed complaints and cant seem to get the money back after wells fargo has mad promise after promise. they now say I have to wait to get some paperwork in the mail get it notarized the bring it back to the bank before they can complete anything. The chech which is attached is clearly deposited into someone else account
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

My home is secured by a toxic adjustable rate mortgage loan with a rate and payment that is continually increasing. I am currently at 7.15 % and my payment recently increased as well. This is a problem because I have several family members who are struggling that I am helping out who are staying with me and due to the increase in payment and this temporary hardship I defaulted on my mortgage payment a few months ago. At that time my loan was with America 's Servicing Company. After missing a couple of payments I began trying to work things out with them and they had me apply for a loan modification. It took several months of review but they came back and told me that I did not qualify because I made " too much money. '' I asked if they would consider a repayment plan or possibly putting the late payments back into the balance of the loan and they told me that was not an option, that I MUST pay back all of the late payments in one single payment to them. ASC has been adding all kinds of attorney fees and junk fees and now they say I owe them nearly {$10000.00} and that I must pay this entire amount back to them all in one payment or they are going to foreclose. 

I just received paperwork that my loan has been transferred to Wells Fargo ( which I believe is the parent company of ASC ) and that they want to put me into foreclosure. I am concerned because Wells Fargo has a history of unethical behavior towards their customers and that they put profit above everything else. I have been employed as a nurse for 35 years and make a good living and I can afford a reasonable mortgage payment. However, I am in a bad loan with a high rate and high payment and have suffered a true hardship and need some help. Wells Fargo has indicated that there is no help available ; that the only option is to make a onetime payment of approximately {$10000.00} to them otherwise I am going into foreclosure. This is just not possible, and I ca n't believe that there are not any programs available to help me get through this. All I need is a reasonable solution that allows me to address this issue either through modification, forbearance or a repayment plan. I do n't believe it is fair that Wells Fargo is treating me like this and allowing no possible options. As a regulated institution and recipient of XXXX dollars in bailout money, I believe they should work with me to resolve this matter in a way that is beneficial to both parties.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was a cosigner on an apartment lease for my son, XXXX XXXX, who is on XXXX XXXX in United States XXXX XXXX since XXXX XXXX, XXXX. Before my son left for XXXX XXXX, he had been working on paying the final bill for his apartment lease. He paid the final bill in XXXX of XXXX. We noticed in XXXX XXXX that we were in derogatory standing so we called the company. They sent us a printout of the charges ( not an itemized bill ) and my son noticed that he had already paid the charges. They were double charging him plus they added a carpet cleaning fee for the carpet ( they had already inspected before he left and said everything was fine ) and a day to day fee for the rent. He had already paid the final rent before he left. They also had a utility bill ( water and trash ) on the bill, which he had paid directly to XXXX. He submitted a letter of satisfaction from the company to the leasing company, XXXX properties. We can not rectify because XXXX XXXX at XXXX XXXX XXXX is no longer the owner of the property and will not deal with us. Fair Collections and Outsourcing took over the so called debt. I offered to pay them to remove it even though it was n't owed to them and they refused. Then, I contacted a lawyer and we gave him power of attorney. They refused to deal with him. My son who is the primary contacted FCO and they refused to talk to him because they said the power of attorney is with the lawyer. The lawyer said this is not true that they really can not object to talk to the debtor just because there is a power of attorney. My son told them the lawyer is no longer involved and they told him they can not talk to him and the lawyer would have to pay it. We can not get this resolved because the debt collectors have been unreasonable, have not provided us with an itemized bill, just a printout of charges that says printed XXXX XXXX, XXXX, which was added on after he left for boot camp. The copy of the bill I am providing you with was not received by my son until we found it on our credit reports and contacted XXXX Properties and FCO. FCO refusal to deal with us has left us with no other option, but appeal to you to help us. Thank you for your assistance in this matter.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

While employed by XXXX I used a company credit card for company business. I am no longer employed by them and have not been since XXXX of 2016? Bank of America is calling me every day about the company debt. I have spoken with them on the phone and I have written to them explaining I am not responsible for this debt to no avail they continue to call at least once every day.
Consumer complaint received 2016-05-24
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I started a saving account with Bank of America ( BoA ) a few years ago and deposited {$60.00}. Just recently, the account showed closed out and empty with XXXX balance. I called the XXXX number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to BoA and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his money?
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I switched my card from XXXX ( with annual fee ) to XXXXXXXX ( with no annual fee ) in XXXX 2016. I was not refunded the portion of the annual fee for the remainder of 2016 when I had a no-fee card. In addition, I was not given the benefits of the XXXX card from XXXX 2016 onwards ( XXXX miles per dollar spent ). I earned XXXX miles per dollar spent which is the XXXX earning rate. 

In other words, I was charged for a higher product but given the service and benefits of the lower product.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (PA)

I paid off a LOC balance with BB & T XX/XX/2016. However, the bank made a serious error in calculating the correct payoff and did not close the LOC account as instructed. That triggered a series of issues with my checking account ; additional interest ; late fees ; harassing phone calls from various BB & T employees ; NSF fees ; and countless hours on my part to clear up the issue including writing a formal complaint to Chairman and CEO XXXX XXXX. BB & T admitted the errors in writing ( XXXX XXXX Complaint Resolution Group -XX/XX/2016 ). They also assured me in writing there would be no derogatory marks submitted to the credit agencies. Last week, I noticed my XXXX score went from XXXX to XXXX with the only credit factor being BB & T reporting a negative Payment History XX/XX/2016 on my LOC that was supposed to be closed! When I contacted BB & T 's complaint resolution group they admitted -in writing -that the initial resolution was not done properly and XXXX quote XXXX " ... we failed to update coding on our system to state the XX/XX/2016 bill was satisfied and to close the loan. '' They admitted to submitting a bad file to XXXX and then said it would take up to 60 days to correct my credit score. I asked them to escalate the resolution with XXXX and this was their response : " I spoke to our Credit Dispute department who is submitting the request to XXXX as bank error today. Again, as we have no control over when XXXX will do their processing, I recommend you contact them beginning tomorrow. XXXX can be reached at XXXX. '' They made XXXX significant mistakes ( XX/XX/XXXX and XX/XX/XXXX ) and then said I had to get personally involved to resolve the problem with the credit bureau that their company created. This is horrible customer service and a totally unacceptable response from my perspective. BB & T 's errors and lack of adequate Quality Assurance/Quality Control ( QA/QC ) processes to prevent such errors has caused severe personal harm to me since I 'm currently looking for a new home and plan to apply for a mortgage. I would expect a senior level XXXX at BB & T would work directly with XXXX ( and any other credit agency who might receive the bad file ) to resolve the error faster than 60 days. My complaint : BB & T has damaged my credit score ; admitted they made numerous mistakes ; and then told me it 's my problem -- not theirs. Their errors and mistakes have placed me in a position where I will need to stop my search for a new home because of a low credit score. That is simply wrong.
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: AMCOL Systems, Inc. (NC)

I had a debt owed to a XXXX office resulting from some amount not paid by my insurance carrier associated with the procedures by this XXXX office during my visit. I was never notified of any amount due ( {$65.00} ) by the XXXX office. Instead, they sent the amount due to their collection agency AMCOL Systems Inc. So the first notice I received of owing any amount was from this collection agency threatening to report the unpaid item to my credit bureau if I did not paid the debt or dispute the debt within 30 days. I did not have any opportunity to see the details and an explanation of the amount due from XXXX before being contact by a collection agency. 
I called AMCOL Systems and explained that I had not had any previous notice of any debt from XXXX and they stated they knew nothing about the collection practices of XXXX associated with prior notice. They simply stated that the debt had been turned over to them for collection and I would need to pay them. 
I strongly believe that XXXX is maintaining a policy of not providing any follow-up notice to patients of a debt owed as a result of an amount not paid by the insurance carrier but is utllizing the practice of just turning over any amounts due from patient visits directly to AMCOL Systems for collection and paying their fee for the collection services. 
I consider this practice to be very inappropriate, unfair and XXXX to patients, like myself, who always pay valid debts in a timely manner and have a very high credit rating. 
Allowing a collection service to threaten impacting my credit rating when I have not been given any prior invoice with details of the amounts owed to XXXX needs to be stopped. I would have gladly paid XXXX directly had I been sent details of the amount owed directly from XXXX.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NY)

Ref : GAP VISA/SYNCHRONY BANK TEL : XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT HOLDER : XXXX XXXX ADDITIONAL CARD HOLDER : XXXX XXXX Dear sir/madam, this is the 3rd time with-in two years ; some one used our credit card. 
Last some one used our card {$1900.00} on on XXXX/XXXX/2016 XXXX XXXX & XXXX XXXX # XXXX XXXX MD ALL of unauthorized used affected our credit report. 
Specially my Husband 's report ( XXXX XXXX SS # *********** Would you be kind enough to help us? 

Thanks XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX NY XXXX.