davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CO)

I have a Amazon Credit card from Synchrony bank and last week I checked my account and I was surprised to see a one time {$990.00} charge from the credit card company on top of the regular interest I have been charged on a monthly basis. I called the bank and was told the first time by the person on the phone that she was going to escalate the issue and have the fees refunded to my account. I was never aware of a promotion that was going to charge me that much interest at the end of 12 months neither did I received a reminder about getting charged that much money on interest due to s promotion who is about to expire. I purchased my products on Amazon and selected my Amazon card at the end of the checkout process, however I wasn't aware of something like that. This is unprofessional and I feel like I have been scammed. I called again today the bank trying to speak to someone and their agents were rude and unwilling to help. I'm filing a complaint here, however if I don't hear back from the bank or Amazon, I will file a lawsuit against the bank for malpractice and overcharging my account. I will not let this go and I'm not agreeing on paying for this ridiculous high interest fee. This is outrageous and unbelievable. Banks can just charge you fees and interest like that without giving you a warning. Who is going to protect us. Why Synchrony bank never send me a email, letter or any communication regarding a promotion I signed off which I was never aware. Why I was never aware of the promotion from the start to the end especially if I was going to be charged a ridiculous amount. When did Synchrony bank send me any notifications regarding this promotion and the charges I was going to get? I will definitely file a lawsuit and use any means necessary to tell my story and get the charges reversed back. 

I have now an additional {$990.00} on my credit card balance and stuck with paying for that. 

Thank you
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PMAB,LLC (NC)

To whom it may concern, I am writing because XXXX XXXX facility has paid medical bills through North Carolina Medicaid on my behalf. However certain accounts were left off of the billing cycle. During this time frame myself and newborn recieved medical services from North Carolina Medicaid. The accounts are as follows : $ XXXX XXXX, XXXX XXXX $ XXXX XX/XX/XXXX The company refuses to provide me billing information dating to the times I was pregnant and a client up until my XXXX was released from the XXXX. In which the XXXX bill was covered by Medicaid which range from XX/XX/XXXX-XX/XX/XXXX. 

2nd company- XXXX Department of Social Services I applied for XXXX Medicaid XX/XX/XXXX, verification of XXXX was requested by department of XXXX Social services . I provided verification on XXXX of XXXX. I was sent an approval letter. The department of social services can not locate or providde a copy of the approval letter. For XXXX or family medicaid.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

XXXX, Equifax, and XXXX are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.
Consumer complaint received 2015-10-28
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (UT)

I purchased a property from XXXX XXXX in XXXX. I never got a contract from this company. After I paid a large amount of money, using XXXX credit cards, I still had not gotten a contract on the land. I live in XXXX so now I am getting concerned. I contacted XXXX, General Manager, XXXX, Office Manager and XXXX, Finance Manager and requested this contract. I get an immediate email from XXXX that stated that he sold my property, which was {$250.00} per month, last night and that he had others. I asked him for a refund. He stated he gives refunds but since I had been looking at different properties since XXXX with him, this is now XXXX, he would not refund me but would put me in a property with twice the payment or he would hold the money for me until I found something else. I then request my credit cards and Paypal Prepaid card to refund me based on this is a scam and fraud and I never had a contract. My XXXX XXXX gave me the money within two days. Paypal told me twice that they had the money, it had been refunded by the merchant and it would be refunded by XXXX and today, XXXX I get an email they will not be giving me my money because I authorized the transaction! I am willing to file a police report because I do n't even know if this is a legitimate company at this point!! I call the dispute department with Paypal and I can not speak to anyone and I get people from XXXX who tell me I am getting my money but the email says the opposite. I have spoke with an attorney who clearly sees this as fraud and I was well within my federal protected time frame for right of recession which I still am because there is no contract!! XXXX law is to have a contract notarized as well but the point is XXXX sold the ground I purchased AFTER I paid for it so I would NEVER have paid for this had I known he sold the ground to someone else that he sold to me!!! I NEVER RECEIVED ANYTHING FOR THIS MONEY OTHER THAN A CREDIT!! I do n't want to do business with this man as he is obviously fraudulent and a scammer.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I made a check deposit into my account but my job decided to send a wire instead so once the check was returned and I paid {$12.00} to chase for the fee and continued with my account. My wire came into my account and put my balance at {$930.00} but when I tried to use the Atm I kept getting rejected not knowing why so I called the bank. They gave me the run around saying my account was on hold due to a atm transactions I had to clear. Once cleared I tried the Atm again and got the same response so I called the bank again and another representative told me this bank made a decision to close my account while my funds are in there. My children were starving last night due to this issue and I'm ashamed as a parent that this happened and I also spoke with supervisors and they also let my children starve please make them give me my funds immediately.
Consumer complaint received 2016-02-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (PA)

In XXXX of 2007, my name appeared second on a finance contract with ALLY FINANCIAL to allow my former wife to purchase a vehicle under the XXXX Program. After she made several late payments, ALLY FINANCIAL sold the vehicle for a profit and refunded some of the money to her. Despite that I made none of the late payments nor received any of the proceeds, ALLY FINANCIAL refuses to delete this account from my various credit files.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX XXXX : XXXX XXXX. XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2015-06-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Adjustments Inc (MI)

A company called XXXX XXXX XXXX did not correctly submit a bill to my health insurance company. I tried repeatedly to get them to send necessary documents to my ins. co. through our local BBB but they either ignored the BBB and did not respond, or falsely claimed I owed the bill. The claim has now been paid in full after I filed a grievance with my insurance company and I have a letter stating such. If XXXX had filed the claim correctly the XXXX time it would of been paid 100 % as that is what the coverage is. Instead XXXX turned it over to Credit Adjustments who call me over and over harassing me and NEVER identifying themselves. Again this bill has been paid in full to XXXX. Thank you!
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

In XXXX of 2016 I purchased a XXXX from XXXX that used to be on display and was marked down. I purchased it from them for around {$600.00}. After about a month I returned the item to the store and received a return receipt. In XXXX XXXX I was reviewing my account when I noticed that the charge for the XXXX had yet to be credited to my account. I contacted Citi Retail Services and Disputed the Charge. On XXXX XXXX I received a letter from them ( Enclosed ) stating they were going to award me credit for the charge in the amount of {$570.00}, and in the mail the week after I received the award letter I received an updated account statement showing the credit had been removed. My account balance at the time was somewhere around {$1400.00}. After waiting for 2 weeks my account balance had not changed. I contacted Customer Service and spoke with an associate. They stated they had already credited me the balance stated in the letter, but could not remove it from my current balance because they had already updated the statement from XXXX. This confused me mainly because when someone is given credit it typically means they have the amount deducted from their accounts, not just have a previous statement edited.
Consumer complaint received 2016-02-17
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SIMM Associates, Inc. (NJ)

Simms Associates was hired to collect for my XXXX delinquent student loan accounts owned by the XXXX XXXX XXXX. Simms made contact with my cosigner ( NOT me ) prior to engaging in what I believe to be illegal activity. On XXXX/XXXX/16, Simms claims that they spoke with my cosigner and that my cosigner authorized for payments to be taken from my bank account. My cosigner denies this, stating that she specifically did NOT authorize any transaction on any of our accounts. Regardless, on XXXX/XXXX/16 {$870.00} was withdrawn from my XXXX bank account ( which is in my name only, not my cosigner 's name ) by Simms Associates and paid to XXXX XXXX XXXX, my loan servicer, and listed as a " Borrower Payment. '' I myself had no contact with Simms Assocates regarding this particular loan issue prior to XXXX/XXXX/16, and I made my first contact with them on this date inquiring as to how it was permitted for my cosigner to authorize payment from an account that does n't have her name on it. I also inquired as to how they were able to obtain my XXXX bank account information if me and my cosigner have never provided information for this specific bank account EVER to anyone at Simms Associates. 

I contacted XXXX XXXX XXXX to determine whether or not they provided my bank account information to Simms, they claimed they had not. Which would mean that only XXXX Bank could have provided this information to them. XXXX Bank was the original owner of my loans, but sold them some time ago to XXXX XXXX XXXX. I am curious as to why they might provide my bank account information for loans that they claim to not own anymore. If they did not provide this information to Simms Associates, then someone else did, and did so illegally. 

Simms Associates told me that they would have to look into the phone call they had with my cosigner on XXXX/XXXX/16 and would get back to me-they have yet to do so. 

I also contacted XXXX asking them to stop the payment of this {$870.00} pending transaction, to which they stated they would attempt, but could n't guarantee that the payment could be stopped since it was already pending. Previously XXXX Bank has been able to stop a pending payment from going through when I 've needed them to, but for whatever reason, they were hesitant about whether or not they would be able to this time.
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MA)

I fell behind on my mortgage payment due to lose of employment and was unable to catch up with late payments and I have attempted to get help from mortgage company but my loan switched banks several times and have n't been able to get the assistance in was hoping to get, now am employed full time and able to continue with my mortgage payment and keep my apartment
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/ I wrote a letter stating, I missed my payment because I recently lost my father and have to assist with funeral cost and other financial burdens.I asked if my payments could be reduced for the next 2 months on my debt starting XX/XX/. 
Also stating I am not able to meet the current payment of $ XXXX.But I  will pay you {$50.00} per month. I requested that my account not be placed with a collection agency and withholding interest on my debt.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXXUSBank Loan # XXXXThe short sale was started XXXX/XXXX/2015 with USBank. Today we were told, by an obviously new and clue-less employee of USBank, that borrower does not qualify for the HAFA relocation incentive " because they did not qualify for HAMP '' So ... .... If someone does not qualify for a loan mod they are ineligible for a relocation incentive???? 


***SERIOUSLY????????????????? 

What does one have to do with the other? 

The employee at USBank was unable to explain why or how USBank came to this decision. 

USBank is obviously understaffed and refuses to train their employees as to not only Federal Guidelines, but also the basics of todays mortgage industry - which includes HAMP and HAFA. 

Does USBank even know the difference between HAFA and HAMP? 


The absolute worst part of all this is that ON USBANK 's OWN WEBSITE it states on page XXXX in the paragraph titled " The Making Home Affordable Program '' : This program has XXXX different options for homeowners - one for loan modification ( HAMP ) and another for refinancing ( HARP ). If you do not qualify for these options, you may qualify for other foreclosure prevention alternatives ( HAFA ). 

It is obvious USBank is purposely not training their employees in an attempt to defraud their own clients, investors and the Federal Government. We already know they think they are bigger than the Federal Government. We have these isues on ALL our files with USBank. If the CFPB would like further information to aid in their next fine against USBank, please let us know. We have closed over XXXX short sales and would be able to provide substantive documentation from our detailed notes, emails, and documents in our short sale files.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

I am victim of Mortgage Fraud perpetrated in XX/XX/XXXX. 
I was approached in XX/XX/XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties. 
I sent the US Attorney 's documentation to Chase on XX/XX/XXXX and my loan was transferred to XXXX XX/XX/XXXX as stated in a letter dated XX/XX/XXXX. I was still in contact with Chase as of XX/XX/2016.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/ I wrote a letter to Bank of America explaining my financial hardship. 
I stated that I have lossed a family member and had to help with funeral cost which is why I have missed payments. In the letter I stated if Bank of America would accept a reduced payment for the next 2 months on my debt starting XX/XX/. I also said I am not able to meet the current payment. And that I will pay you {$100.00} per month during this emergency. Starting XX/XX/ and I requested that my account not be placed with a collection agency and also withholding interest on my debt. I have received a letter and it did not assist with my issue stated in my letter.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NY)

Before travelling to XXXX, I notified Chase of the upcoming travel. During the trip, I had transactions denied when trying to purchase my train ticket and the access to my account was suspended. The card has been fully paid each month, there are absolutely no debts of any kind. Because of that, during the trip I had no way to check my account for any suspicious activity. I XXXX to Chase and they were not helpful, asked me to call overseas. On XXXX XXXX, attempting to regain access to my account, I stayed on the phone with customer service for 20 minutes, had to verify my Social Security, Security Questions and also confirm a secret number sent to my mobile phone. I had to give enough information to even open a new account. Even after all that, my account was not reactivated. From XXXX XXXX to XXXX XXXX ( over 2 weeks ), I was left with no access to my account. Chase never contacted me to fix this. 
When complaining to Chase, I received even more disappointing service : - On XXXX XXXX, Chase informed my account was accessed from a unknown device. Of course, I notified I 'd be away and accessed the account from the place I notified I 'd be. This is not a valid excuse to suspend my account. I replied they had information that I 'd be in XXXX, so my account should not be suspended when accessed from XXXX. 
- On XXXX XXXX, I was accused of never including a travel notification, and that was the reason my account was suspended. I replied with the Travel Notification confirmation that I received. 
- On XXXX XXXX, Chase blamed Visa for denying the transaction and informed I 'd need to reprocess it. I tried at least twice. Again, Chase informed my device was accessed from a unknown device, even though I informed many times they had information I 'd be in XXXX, and I was trying to access my account from XXXX. Chase informed they wo n't offer any compensation, of any kind, for all these issues. 

These problems happened for a premium credit card that already charged me {$450.00} in annual fee.