davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I recently opened a PayPal MasterCard account with a {$700.00} limit through Synchrony Financial. Following my first payment, I started having problems using my card. I got this card to use daily similar to a debit card and pay the balance in full each month. 

The first month, I had a balance of approximately {$400.00} which I paid on time and in full. About five days later, I attempted to make a purchase at a restaurant only to have the card declined. I called Sychrony to determine why I could not use my card even though I paid in-full and on-time. The  response given was that a hold was placed on my payment and that my full credit limit will be available 5 business adys from the payment date. 

The next month, I had a balance of {$670.00}. I paid-in full, on the due date online on XX/XX/XXXX and received an email confirmation of payment at XXXX CT on XX/XX/XXXX. Watching my account to see if they would be placing a hold on my account again, I noticed I was charged a late fee. The website showed I paid on XX/XX/XXXX and a {$25.00} late fee was assessed. Again, I called. This time, it was to dispute the late charge. I was informed that the charge was waived ( so kind ) in addition to my account being placed on hold ... again. This representative said it was federal law to put payments on hold when it was a " huge '' payment. I asked what constituted a " huge '' payment. I got no satisfactory explaination. The representative said that my balance would be available in 5 days. 

Today, XX/XX/XXXX, I attempted to purchase necessary medications ahead of the XXXX holiday since my pharmacy will be closed. Yet again, my card was declined for a {$20.00} purchase. I called for a third time. I got no help from the representative other than my credit would be available in 5 days. He could not give my a reason why my account was still on hold even though I paid on XX/XX/XXXX and the payment cleared my bank XX/XX/XXXX. He attempted to say I made multiple payments which I did not. In the end, the call was fruitless. I will be closing this account as it does nothing for me to have a credit card I ca n't use when I need it. I 've met my obligations by paying my account on-time only to be declined when I need to use the card with no decent explanation or attempt at remedy.
Consumer complaint received 2017-11-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX/XXXX/XXXX To whom it may concern due to investigation by XXXX and XXXX they have determined that these Inquires from. 

XXXX ( X/X/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) ( X/XX/17 ) X/XX/17 ) ( X/XX/17 ) are duplicate inquires and were removed from my credit file please find and investigate the company and dates attached and update my credit file to reflect and correct these findings. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter XXXX XXXX
Consumer complaint received 2017-11-10
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. (AL)

Dear XXXX Equifax XXXX XXXX I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Consumer complaint received 2017-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TX)

I purchased a new Honda Civic from Honda Financial services because I was promised to get the rebate program they had going on, which they still currently offer, but refuse to apply to my statement. The rebate is the College Graduate rebate program that if you graduate within the next 6 months to 2 years from an accredited university they will apply a {$500.00} rebate to your owed financed balance. I only purchased the vehicle from them because I was promised to have this rebate applied as soon as I graduated. I then came back after I graduated and they refused to apply the rebate for me.
Consumer complaint received 2017-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I see an entry listing a chapter XXXX bankruptcy on my credit report. According to FCRA 623 ( a ) ( 5 ) if the credit bureau CAN NOT VALIDATE the information they must remove said information from the consumer credit file. The U.S. Bankruptcy Courts DO NOT REPORT ANY ACTIVITY TO CREDIT BUREAUS. Federal laws protect the privacy of most personally identifiable information reported. I have filed 4 written complaints against the credit bureau and the results of the investigation has been that the item and description is VERIFIED and no change. FCRA explains that the item must be VALIDATED not VERIFIED that is 2 different results. The credit bureaus refuse to remove from my credit profile.
Consumer complaint received 2017-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AZ)

I have been being harassed with multiple daily phone calls by Navient for the last year or so. I graduated in XXXX and am currently prepping for graduate school which should start next year. I have communicated this to Navient multiple times that I am unable to make payments on my loan right now and am not done with my education, as I am waiting to be accepted to a program. 

I have put my loan on deferment several times, and I am fine with continuing to do this, however I need them to stop calling my phone multiple times daily. I have requested multiple times they communicate via email or actual mail and this is a form of harassment. I will pursue legal action against this company if they do not discontinue the phone calls immediately. They call from a different phone number every time, and sometimes when I answer the calls it says " please hold for the next available agent '', so I know they are using an autodialer to call me. 

I have gotten 6 phone calls TODAY alone, and my next loan payment is n't due until XX/XX/XXXX! That is not for over 3 months! LEAVE ME ALONE!
Consumer complaint received 2017-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

A payment was made to me from a verified payer on the XXXX of XXXX. The money was sent via echeck. The check has cleared the payers bank Paypal said the clearinghouse still has the money and they can not release it until the clearinghouse sends it to them. 
Paypal has a " hold til XXXX XXXX '' on the transaction summary in my account. 
I called paypal and spoke to their escalation department who told me they are instructed by paypal to say the clearinghouse has the money, I asked for a transaction number and was told they are not allowed to give them to the account holders or any customers Money electronically transmitted on the XXXX is being held by paypal until the XXXX If they do n't know where the money is, how do they have a set number of days for holding the money. Even when contacted and told the transaction was completed, paypal still refuses to release the payment to me They also play games with the " ok to ship '' and " wait do n't ship yet '' information on their payment activity log. When you call and ask why you have to ship the product without paypal knowing where the money is, they remove the " ok to ship '' from the info
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

After the Equifax data breach, I wanted to place a security freeze on my wife and my Equifax credit reports. I could not place these freezes online as the Equifax web site credit freeze app was non responsive. So I downloaded and printed out the credit freeze forms that Equifax provides for this process and I completed these on behalf of my wife and myself and submitted them via certified mail as Equifax requires. 

Subsequently, we received no response from Equifax with the usual PINs needed for the temporary future lifting of a credit freeze should that become necessary. I had successfully placed freezes on our XXXX, XXXX, XXXX and XXXX  XXXX receiving the required acknowledgements from all the latter. Only Equifax continued its sub-par performance by failing to confirm our freezes were in effect. Furthermore Equifax provides no obvious telephone contact number for consumers who may need to contact them. This kind of poor communication is unacceptable.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (AZ)

I received a letter earlier this year from XXXX advising of the ending of their partnership with XXXX XXXX and that Citibank VISA would be the replacement. I called XXXX immediately to ask if I would be given the option to decline this VISA card since the letter did not address this question. The XXXX representative said I would be given that option prior to issuance of the card. On XXXX XXXX of this year I received a letter from Citibank that says my new Citibank VISA card will be mailed to me. I never received any notice or opportunity to decline this card prior to issuance. I immediately called Citibank and told them I do not want this card and I do not want a relationship with Citibank. Citibank said they could n't do anything about this card until I actually received it and then they could " try '' to cancel it. I am on the permanent opt out list for ALL credit offers, etc. and do not want another XXXX card. I am disappointed to learn that Citibank through contract with XXXX merely transferred my personal and financial information and automatically issued me a credit card without my permission to do so. I want to have the say over which company and which credit card I do business with just as I did when I originally applied for the XXXX XXXX XXXX card.
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

We have been customers of Chase bank for many years. Last week our debit cards stopped working so we went to the bank to get new ones, only to find out that chase had locked us out of our accounts and was severing their relationship with us. We tried to find out why but no one would tell us, stating only that it is the bank 's choice and they do not have to let us know except through the mail. ( as of one week and two days later we still have not received the letter ) We spent XXXX3 hours trying to find out what was happening but was never given the full answer. We finally were able to talk with someone in XXXX XXXX 's office ( supposedly ) and he was not much help either, although he did let it out which account was the problem. The account in question then turned out to be my XXXX XXXX XXXX daughter 's account. I informed him of that but he stated it did not matter that because I signed for her at the age of XXXX I 'm still responsible. When I questioned him about how they close accounts and do the things they were doing, he said you signed the paper ( not an exact quote but very close ). When I informed him that no one ever told us that the bank could do this he stated " we never disclose that ''. Upon hearing that I informed him that I was a realtor and we can be held liable for not disclosing even minor details in a contract. He again stated that they do not disclose these things. I 'm not sure how they can get by without some sort of full disclosure but this seems to be the case. Because of this we have checks that have been returned even though there was enough money in our account to cover them. 

Things we have found out on our own with no help from chase, is that my daughter made a huge mistake by giving her account info to a so-called employer and they ended up conning her out of several thousand dollars. Because of this they with no warning took our money and closed the accounts. When we contacted the bank to let them know it was fraud they were not willing to help. My daughter offered to pay back the amount she had been taken for in installments but basically they said no and we had to pay it now or they were " turning it over ''. 

We could use some help getting this giant company to be fair. They should not be allowed to get away with not having to disclose such relevant and important information and then to have the audacity to say " we do n't disclose that information '' is at the very least unethical and should not be allowed. Add to it their unwillingness to give any information or even the decency to let us know that they were even going to do such things is just wrong. Any help you could offer would be greatly appreciated.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

XXXX XXXX I purchased my XXXX Phantom XXXX XXXX XXXX from XXXX XXXX located at in XXXX NY. It was brought to my attention that Fifth Third Bank was the only bank willing to provide me with an auto loan at the time of purchase. I was concerned with the high 14.25 % interest rate. 
XXXX XXXX I was informed that the CFPB and DOJ are both bringing forward a class action Auto Lending discrimination suit against Fifth Third Bank. I followed protocal provided to me by the CFPB staff and made several attempts ( XXXX XXXX, XXXX XXXX & XXXX XXXX ) to resolve this matter with Fifth Third Bank which resulted in several staff members that there in no record of my auto loan in there system. I have provided my social security number, previous address etc ... and have been unsuccessful.
Consumer complaint received 2017-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (CA)

Dear Financial Bureau, I have been an carecredit customer for a few years now. However, every since they increased my payment form XXXX dollars to XXXX dollars, it has been minor problems. However, these past month has been a problem for me overall. You see, I agree to pay them XXXX dollars after an bank mix up on the 3rd of NovembeXXXX but they did not process my payment yet. Then they charge me XXXX dollars late fee for not getting the money yet. I send the payment to their XXXX XXXX and I was just wondering what is the problem? I used to send them payments via money order all of the time but this is the first time this has became a problem. I was wondering what is the problem?
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NJ)

I used my debit card at a atm and my funds never dispensed out the atm machine for {$XXXX} on XX/XX/XXXX, XXXX called chime and disputed the transaction but the declined the dispute without a proper investigation so I filed a appeal on their decision
Consumer complaint received 2017-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Venture Financial Services, Inc. (KS)

XXXX XXXX 's began billing me for a debt that was not my financial responsibility in the amount of {$650.00} in XX/XX/XXXX( 5 months after the XX/XX/XXXX XXXX ). I immediately sent them a written response letting them know it was from a corrective XXXX XXXX  due to a XXXX XXXX and the doctor was financially responsible, and that I never signed anything stating I would be financially responsible for it. I never heard from them again.
Then in XX/XX/XXXX, Venture Financial Services , Inc at XXXX XXXX XXXX, XXXX, MO XXXX, XXXX sent me a letter, which I immediately responded to letting them know it was not my debt and to send me original documentation where I signed stating it was. They never responded.
Then in the first week of XX/XX/XXXX, XXXX XXXX 's sent me a new letter, directly from them, as if they had never sent me one before, requesting my payment. I sent them another letter on XX/XX/XXXX restating the facts, reminding them of my previous letter to them and to Venture Financial Services, and requesting documentation. No reply from them again.
Today, I received another collection letter dated XX/XX/XXXX. This time it is again from the same Venture Financial Services , Inc in XXXX, MO with the same reference number from their XX/XX/XXXX letter ( which they ignored my response to and never provided original documentation. ) I have even spoken with XXXX XXXX 's office and the supervisor agrees it is the doctor 's responsibility to pay, not mine, but she does not have " authority '' to bill the doctor.
How can these people keep passing this account back-and-forth, requiring me to repeatedly send the same demand letter for original documentation, and ignoring me when I do, and not somehow be violating the Fair Debt Collection Practices Act?
Please help.
Consumer complaint received 2016-10-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (NY)

On or about XXXX XXXX, XXXX, I received a bill from Phoenix Financial Services LLC in the amount of {$620.00} for alleged medical treatment that occurred in XXXX. I do not believe that this is a legitimate debt. I sent a letter via certified mail disputing the debt and requesting that the debt be verified ( delivered XXXX XXXX, XXXX ). 
To date, I have not received a response from Phoenix Financial Services in regards to my request for information and dispute of this debt.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (WI)

BMO Harris Bank in Wisconsin called me today. The collections dept representative claimed that the mortgage was overdue by 3 months. This issues has been previously resolved twice. The account was set on auto payment. It is a variable rate. The payment increased by {$1.00} and the auto payment failed to make the adjusted monthly amount. The system they use then automatically claims the account has not been paid. The technical errors were corrected. Then it happened again, the apparently do a system restore and all the past problems are brought back. I received a call today stating the account was overdue etc. It is not overdue. The account has been paid in full each month. This bank does not pay a living wage and they can not find technology specialists who would work for them. Then bank has widely been reported to have paid XXXX dollars in fines already for criminal behaviors with customer accounts. Outside professional peer review of their failure to perform customer services summarizes this complaint. This mortgage was a predatory lending exploitation and we are considering hiring a major law firm which can run TV ads and invite others who were exploited by predatory loans to come join a class action suit. Fines seem to have no effect on the business practices of this financial institution.
Consumer complaint received 2017-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

we recently refinanced our home with XXXX XXXX, they contacted Ocwen Loan Servicing for payoff amount and XXXX paid off the mortgage. there was an escrow balance of {$880.00} which Ocwen never returned to us. I contacted Ocwen by phone they stated that the escrow was kept to pay off fees that were not included in the payoff of the mortgage. I then emailed and asked for a detailed statement. I 'm not sure I understand one line of it? " As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. '' I read it as I wo n't be charged or assessed fees? 

Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 Response You inquired about the balance of {$880.00} in the escrow account, which has been applied toward the fees. 
We reviewed our records and it was determined that foreclosure fees in the amount of {$1500.00} were not included in the payoff quote. As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. Therefore, the funds in the amount of {$880.00} from the escrow account have been applied toward the fees and expenses. 
Below is the description of Foreclosure fees assessed on the loan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Description Amount -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Foreclosure Fee {$280.00} XX/XX/XXXX Foreclosure Fee {$520.00} XX/XX/XXXX Foreclosure Fee {$310.00} XX/XX/XXXX Foreclosure Fee {$100.00} XX/XX/XXXX Foreclosure Fee {$300.00} XX/XX/XXXX Foreclosure Cost {$42.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total {$1500.00} Less Paid/Waived {$690.00}