davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

The credit card I am submitting a complaint about is my  Southwest Rapid Rewards Visa administered through Chase Bank. I appli ed for the visa card in  XXXX     2017 unde r the promotional offer of  XXXX  rapid reward points for spending {$1000.00} within the first  three  months of receiving the visa card. I fulfilled this contingency. After noticing I had not received the points, I contacted the  Southwest Rapid Rewards program to inquire about the points. They referred me to Chase since they administer the Rapid Rewards Visa.  On  XXXX   XXXX ,  2017 I contact ed Chase to inquire about the points. I was told by the Customer Service Representative that the promotional offer listed on my account was for  XXXX  rapid reward points and a {$200.00} statement credit. I explained to the her that I signed up for the  XXXX  points promotional offer through the link posted on the   Southwest Airlines   page. She then stated they would change it back to the  XXXX  points promotional offer and that they would have to bill my visa card for the {$200.00} statement credit they had given me and would then give me  XXXX  points since they had already given me  XXXX  points. I agreed and stated I understood this. She stated I would receive a letter outlining this information i n 2-3 weeks and the points would be added to my account within 2-3 we eks. After I did not receive the points or the letter, I contacted Chase again on  XXXX   XXXX ,    2017  and was told I would receive the letter as it was recently mailed. I received a letter from Chase bank dated  XXXX   XXXX ,    2017 on   XXXX   XXXX ,    2017  informing me that I signed up for the {$200.00} statement credit and the  XXXX  points promotional offer and that since it was beyond 90 days of opening my account, no changes could be made. I called Chase on  XXXX   XXXX ,    2017  and asked to speak with a supervisor. I spoke with  XXXX , the supervisor on duty, and explained to him what had transpired and explained to him my issues.  1 )  I signed up for the  XXXX  points promotion through the link on th e Southwest Airlines and n ot the  XXXX  points promotion.  2 ) T he representative I spoke with on  XXXX   XXXX ,  2017 assured  me the changes would be made . 3 ) I h ad no way of knowing there was a 90 day expiration for changing promotions because I was not aware that I had received the incorrect promotional offer until I called Chase on  XXXX   XXXX ,    2017. He  stated Chase would not make a change to the promotional offer I received. I informed him I suspected they are engaging in bait and switch tactics and that I would be filing a complaint with CFPB.
Consumer complaint received 2016-07-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC (MI)

I took out a loan the Leander was taking hundreds of dollars out of my account per month but the debt was not being paid off after several weeks of paying I was told there is an {$8.00} a day interest rate I do not think that is fair and I know the loan should be paid but now lender is threating wage garnishment
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

Equifax is showing a federal tax lien on my credit report. The IRS has withdrawn this tax lien, and properly filed the withdrawal with the XXXX Clerk of Courts. 
I mailed a dispute to Equifax on XXXX/XXXX/2016 with an original certified copy of the Withdrawal of Filed Notice of Federal Tax Lien and that dispute was completely ignored. Then on XXXX/XXXX/2016 I submitted another dispute online and Equifax responded on XXXX/XXXX/2016 that " this public record item is reporting correctly, '' which is not accurate. 

A withdrawn lien means it is as the lien never happened ( similar to a vacated judgment or dismissal ). Equifax should have deleted the lien from my credit report. XXXX, XXXX, and XXXX have all properly investigated this tax lien, and deleted it from my reports. Equifax is the only consumer reporting agency that has failed to properly investigate and delete this inaccurate tax lien.
Consumer complaint received 2016-07-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (NJ)

This is the XXXX complaint regarding identify fraud put forward concerning Synchrony Bank. Relative to the other XXXX complaints, the Bank simply sends me a letter explaining they are acting properly ; thus, they close the case. For over a year-and-a-half the Bank has continued to make inquiries and establish credit in my name even though they have all the legal records. The last XXXX inquiries were on XXXX/XXXX/16 and XXXX/XXXX/16. Of equal interest is the Bank closed a savings account in my name and has not provided me the information requested. These are my XXXX issues ( 1 ) since they have been formally notified of my identify fraud a year ago, why does the Bank still engage in activity in my name? ( 2 ) What is the savings account about? I am so sure, I am not the only one being harassed by Synchrony Bank.
Consumer complaint received 2016-07-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Pressler & Pressler, LLP (PA)

I live in XXXX, where it is unlawful to garnish wages for credit card debt. A very sneaky debt collector filed an application for wage garnishment which stated I am employed in XXXX. Again, I am employed in XXXX, and only my corporate headquarters is located in XXXX. They think they can skirt the law this way.
Consumer complaint received 2016-07-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

On or about XXXX XXXX, 2016, I received a collection letter from Commonwealth Financial Systems for {$120.00} ( offering to settle for {$95.00} ). The original creditor was listed as XXXX XXXX XXXX XXXX. This is not a debt that I recognize nor do I have records of any collection attempts by XXXX XXXX. 

My credit history reflects a pattern of timely debt payments ( credit score being XXXX ). 

This collection letter concerned me and I immediately responded via phone call to Commonwealth and followed up with a letter to Commonwealth requesting documentation of verification of the debt. This response from me to Commonwealth was well within the 30 day timeframe required to dispute the debt. 

To date ( XXXX XXXX, 2016 ), Commonwealth has not responded to me with any additional information or documentation. However, they have reported the collection to credit reporting agencies. This reporting by Commonwealth has resulted in a significant drop in my credit score ( from XXXX to XXXX ). 

Commonwealth has not provided any verification of the debt despite my request for verification. I want this issue resolved in a timely manner.
Consumer complaint received 2017-05-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: California Business Bureau, Inc. (CA)

The California Business Bereau has took a negligent billing error by the hospital and ruins my life. I have proof I was under medical coverage during my time of care. For two days they XXXX me with XXXX and let me run out the street by myself XXXX XXXX. They then billed me directly instead of my insurance. Two weeks later my coverage was over. Even since the The CBB has taken this to court, harassed me at work, home, laughed at me when I said I was homeless with no job ... .Which is true ... And placed a levy on my bank account with less than 1000 to my name. I feel like they want o destroy me or no reason. I need help please.
Consumer complaint received 2016-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXXXXXXXXXX XXXX To XXXXXXXXXXXX XXXX XXXX at XXXX PM Good morning CFPB, I want to let you know that Bank of America is not willing to help us with a Loan Modification, I have been sending documentation since XXXX, XXXX. Just recently as of XXXX XXXX, XXXX they have Foreclosed on my property at XXXX XXXX XXXX XXXX CA. Bank of America stated that the investor called XXXX XXXX and their partner XXXX XXXX XXXX I was told that the Investor is not accepting our proof of rental income being received, they say that the written receipts are not sufficient and that the proof has to be shown through a bank statement. The thing is is that we do n't deposit the rent money in the bank, it goes directly to the Mortgage payment, I have been providing the rent receipts since XXXX XXXX and Bank of America states the investor is not accepting the proof. So they are setting me up to fail and not helping us with any XXXX XXXX. Bank of America has many programs to help homeowners keep their house, I believe that between the XXXX parties involved that XXXX of them could if they wanted, would help us and approve us for a Loan. The investor stated that they could not structure a mortgage payment that we can afford, my response to that statement is that we all know that the home at XXXX XXXX XXXX XXXX CA XXXX is a Rental and we receive {$1000.00} per month from the Tenant and the home is occupied. I know that XXXX, who is the investor, is able to take the {$1000.00} dollars and structure some kind of Loan Modification payment. They also stated that we do n't make enough to cover the so called new payment, which they will not say how much is needed to afford a new payment. I have nothing to go by, the good thing is that we did get an approval for my wife 's XXXX XXXX, and have been given the amount that I can submit to Bank of America. Bank of America said that the investor is the one not allowing them to approve a loan. I have sent my complaint to the CFPB and have open and closed inquires. I am responding to their response, they stated that we were in XXXX XXXX, the consumer applied for a short sale ; which was cancelled a few months later because consumer was uncooperative. I worked with a XXXX XXXX agent and we gave her all documentation that she and the Bank requested, so Bank of America and XXXX are the ones that are being uncooperative and did not allow the Short sale. This is why I keep fighting for a Loan Modification, and will not agree to a Short sale, because their past practices is not trusting. I also am requesting from you to check on the this Investor to see if they are legit, I know that they were part of an investigation by you not to long ago, please help us keep our home Thanks for your time. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (RI)

AT & T Universal Card / Citi received my payment electronically on XXXX/XXXX/16. They credited my payment one day after the due date of XXXX/XXXX/16 and charged a late charge of {$26.00} on XXXX/XXXX/16. I brought this discrepancy to their attention and they refused to remove the late charge.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

Borrower received a permanent modification offer. It was received via email on XXXX/XXXX/2016 from the bank 's attorney, XXXX XXXX XXXX at XXXX, XXXX, XXXX XXXX. The borrower came in on XXXX/XXXX/2016 to sign and notarize the documents. On that day, I, XXXX, contacted both Caliber Home Loans, and the attorney 's office in an attempt to collect the label that, in the documents, was supposed to be attached. In my conversation with XXXX, I was given the address to MAIL the documents to, and was assured that it would be " okay '' if the documents got there late. The attorney did not respond to me until XXXX/XXXX/2016, XXXX week later. She attached the mailing label in that email, but, per my discussion with Caliber on XXXX/XXXX/2016, I sent the documents via USPS. The borrower called to make XX/XX/XXXX payment and was told that the case was " closed '' and that the borrower needed to reapply for a modification, as the documents were received after the due date. The documents were not received by Caliber until XXXX/XXXX/2016, and they were due XXXX/XXXX/2016, the date that the lawyer 's office sent the label. Please see attached. I escalated the case on XXXX/XXXX/2016 through Caliber, and was informed today, XXXX/XXXX/2016, that they stick to their decision to close the case and the borrower needs to reapply.
Consumer complaint received 2016-07-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CA)

Mine is a V. A. Mortgage and XX/XX/XXXX I submitted an application to the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ). It was approved and funds of {$62000.00} were disbursed to my mortgage lender, Suntrust Mortgage , Inc. on XXXX XXXX, XXXX. Prior to the KYHC PRP, my monthly V. A. mortgage payments were {$780.00}. The KYHC PRP regulations required Suntrust, on XXXX XXXX, XXXX do XXXX things at the very same time : 1- to lower my principal by the amount I was awarded, the {$62000.00} and 2-to lower my monthly V. A. mortgage payments to a maximum of XXXX % of my monthly gross income of XXXX ( from my V. A. XXXX XXXX XXXX XXXX XXXX ), which is {$400.00}. On XXXX XXXX, XXXX Suntrust never lowered my monthly V. A. mortgage payments until I kept insisting they do so and only because I contacted the U.S. Dept. of Veteran Affairs and KYHC for assistance in getting Suntrust to comply with these KYHC regulations. In clear violation of KYHC regulations and for two full months ( XXXX and XXXX XXXX ) after their XXXX XXXX, XXXX receipt of the {$62000.00} Suntrust continued to charge me the full monthly mortgage payments of {$780.00}. Then in XXXX XXXX Suntrust again violated KYHC regulations by again exceeding the XXXX % maximum of my gross monthly income, by charging me {$410.00} instead of the KYHC required {$400.00}. 

These XXXX clear and deliberate KYHC violations by Suntrust created an undue burden on me and I was unable to afford my monthly V. A. mortgage payments and this caused me a hardship of Their won creation. During these three months, Suntrust further harassed me by mailing me paperwork in which they wrote, and which specifically stated that they intended to foreclose on my home by forcing me to Short Sale my home for those three months of missed mortgage payments. I am reporting these violations of KYHC regulations by Suntrust and I am requesting that Suntrust Mortgage , Inc be investigated and held accountable for these deliberate violations which Suntrust themselves created and with which they tried to illegally foreclose on my home by forcing me to Short Sale my home and leave me, an XXXX XXXX and XXXX XXXX Veteran homeless.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NH)

Citibank XXXX credit card claims as XXXX of its XXXX Benefits " XXXX car Rental Insurance ''. It says : " You can be covered against theft or damage up to {$100000.00} for any rental car in any country. Just use your Citi card and decline the rental company 's loss/damage insurance ''. 
In XXXX 2016 I rented car from XXXX in XXXX XXXX. The car got broken into. XXXX passenger side windows were broken. My credit card was charged {$400.00}. I made a claim to Citibank. Sent them all the information as requested by e-mail. Received XXXX e-mail confirmations that they received the documents. 
Today is XXXX XXXX. Two days shy of 1 month. 
I have heard nothing. I have called them three times. They just say that they are working on it. This is a SCAM. I regret NOT getting XXXX insurance. 
Citi should NOT lie about providing a benefit. 
Thank you.
Consumer complaint received 2016-07-18
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I am having problems with a payday loan. Yes, I took out the loan over a period of three years and paid an enormous amount of interest and loan fees. I have been threatened with felony charges for a check you have to leave them until the loan is paid back. I ran into financial problems and moved away from XXXX XXXX, Texas. The collection department told me I needed to come up with {$970.00} or a warrant would be issued for my arrest. I asked them if I could pay it out, and she told me I needed to pay {$240.00} for 4 months. I told her I was already in a financial pinch and that would be too much, but she said she could n't change that payment. I hung up the phone and did n't call her back.. Advance America is the payday loan company. In three years, I have paid them XXXX dollars, mostly interest and fees. The name of the bank I used was XXXX, XXXX. I really need to know what you can do to help me. Being a XXXX veteran and my wife is XXXX and ca n't work, it has been really hard on both of us. They are charging us for monies owed and checks returned for NSF. Thank you so much for your help, and if you need a copy of our hardships, I have the past 12 years recorded in a hardship letter. With our family, it became borrowing from XXXX to pay XXXX. Presently, my wife is overwhelmed with doctor treatments and more payments ; besides owing over {$200000.00} to restitutions and college loans.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion LLC is not providing a correct mailing address for credit report disputes. Transunion 's website lists the address as " XXXX, PA XXXX '' : https : //www.transunion.com/customer-support/faqs/credit-disputes The USPS has confirmed that this address does not exist. There is no other address listed to which credit disputes can be mailed. Transunion is intentionally providing consumers with a false address in order to delay or prevent credit report disputes.
Consumer complaint received 2016-07-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, TransUnion, and XXXX ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Consumer complaint received 2016-07-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: OLD NATIONAL BANCORP ()

My HSA bank now is charging {$2.00} per month for a paper statement fee. Also, I just spoke with a company which provides a service that I pay for on an annual subscription basis, and they want to charge me a {$2.00} paper billing fee. How can these companies get away with nickel and diming me to death?!? They have been providing paper statements and paper bills, with an option to opt-in to electronic delivery. Now they are penalizing me for wanting to receive paper?!? How is this still legal???
Consumer complaint received 2016-04-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: 2288984 Ontario Inc. (OH)

To start with, the original creditor was never up front and was very confusing about their fees they were charging me. I would pay a fee and towards the balance but then they would just keep rolling it over every month. I was n't making progress and got under water. After a few months ( and had actually paid off the balance but for the fees it still was n't paid off ) which surprised me. The amount in collection does n't even represent the proper amount of payments that were made. 

They ended up sending me to an outside collection agency but never told me that they were. I never received any Debt Validation letters, nothing showing who actually owned what until it showed up on my credit report under XXXX XXXX. 

The problem with this, is XXXX, along with several other debt buyers have been calling me relentlessly for at least 8 months if not longer. They say that I am going to jail if I do not pay my debt, that someone is coming to my house! They say someone is going to the local court house, etc., it never ends. Sometimes it is a live person, sometimes it is a robocall. 

Their harassment does n't end with me. Some how they managed to find the phone numbers to my mother, both of her sisters ( my aunts ), my brother and my father. They then continued to harass them about me, yelling at them telling them I would be arrested if I did not pay my debt gave random names/case numbers. 

That is a violation of the Consumer Protection laws. No collection agency is allowed to give out personal information to a third party, or harass anyone. 
I am a XXXX individual and this has caused an excessive amount of stress and financial strain.