davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (AE)

In ( I believe ) XX/XX/2018, my XXXX XXXX XXXX card switched to AMEX. I received some communications re : this transfer, but I never received my card. I continued making payments to XXXX, until I received a bill from AMEX. I tried to call AMEX to  make my payment, but I needed my account number to get through to someone ... which I didn't have because I never received my card. I could also not login online to make a payment for the same reason. I went ahead and scheduled the payment through my bank using the last four digits of my account number, which is all the bill provided me. This payment was never processed and after several months my bank informed it was returned by the payee. I did however receive a late notice from AMEX and finally was able to contact someone to process my payment. They removed the late fee, but I believe this may have negatively impacted my credit report. They refused to tell me if it did or not, but my credit score did drop in spring 2018. The transition from XXXX to AMEX was not done well -- the calling/login systems should not be dependent upon receiving the card. I'm stationed overseas with the XXXX and we often have delays in receiving mail or do not receive mail altogether.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (RI)

After graduating from XXXX University XXXX XXXX XXXX XXXX in XX/XX/2006, with my XXXX XXXX XXXX in XXXX XXXX, I began to repay my loan thinking I would eventually qualify for the Public Service Loan Forgiveness ( PSLF ) program.

After working in a XXXX XXXX in XXXX for 7 years and making 84 payments ( out of 120 payments ) needed for the PSLF Program, I was told that I was in the " wrong '' repayment plan the whole time, and they would not be able to count these payments towards the PSLF. 

After I left the school district in XXXX, I came to XXXX XXXX and have been working in the XXXX XXXX for an additional 6 years. I have now paid 72 payments towards the PSLF Program. 

I am angry that XXXX XXXXXXXX XXXX is not counting my time in XXXX   towards my loan forgiveness, and have rejected my application. 

My husband is a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran, and is unable to work. XXXX  XXXX XXXX has since raised my payments to over $ 500/month. 

It is completely unaffordable. I have the time in and have spent thousands of dollars toward a program that THEY changed the guidelines for.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.
Consumer complaint received 2018-06-22
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. (LA)

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

My wife and I bought a home and had the mortgage threw Chase Mortgage. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that Chase continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and Chase Mortgage directly multiple times and have been ignored every time.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

In XX/XX/XXXX I made a made a payment arrangement for this account. I have paid the monthly payment as agreed and mailing it to the address I was given. 

In XX/XX/XXXX I received a letter that my account had defaulted due to non-payment, and was now with a collection agency ( XXXX  ). After many hours on the phone, I was told that Citibank only has a record of payment for XX/XX/XXXX and XX/XX/XXXX. The representative did everything but accuse me of lying when I told them that I had the canceled checks. I spent HOURS trying to get this resolved.

Finally, I went to the " Executive Response Unit '', at which point they discovered that they had applied the payments to the wrong account ( my husbands ) despite the fact that my payments were signed by me and included a sticky note about the payment arrangement, and were sent to a special address for payment arrangements and did not include a regular bill. In other words, their fault. Eventually they removed the payments from my husband 's account and applied them to mine. The Executive Response Unit ( which I have been dealing with for six weeks ) sent me a letter yesterday indicating that they were not going to respond to any of my other requests. 
( The agent at the " Executive Response Unit '' was XXXX XXXX, XXXX ) So, I HAD made the payments according to the arrangement, but THEY mis-applied them. They made no apology for all of the hours of my life I lost to this, of course. However, they are refusing to do two very reasonable things.

1 ) Remove my account from the collection agency and restore it to the original payment plan, which I was making as agreed all along 2 ) Correct my credit report, which had taken a huge hit from the " referred to collection '' report.
I am not looking to avoid my responsibility for this debt, only to be able to settle it as originally agreed. Thank you for your help.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (ND)

On XX/XX/17 I needed to pay for a major repair on my vehicle and had to refinance an existing loan I had with Rise credit to an amount of {$2500.00}. Since that date I have been making regular payments twice a month of {$230.00} and it has all been interest. I have made 21 payments, so over {$4000.00} in interest and my principal balance has not gone down at all. I am at a loss of what to do, because I was in a tight spot but had I known id be living this nightmare I never would have taken out this loan.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo stole {$150.00} from my deceased mother 's savings account than charged her {$12.00} to allow them to steal her money. It is that simple. Plus they refuse to give back the original deposit so I can go to the issuer & get a replacement check. Now I have to reach back out to the issuer, which by the way these {$150.00} stolen funds were from XXXX XXXX CFPB settlement.

This is my joint account as the executor there was no notice that they will steal her money given.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Not only is Capital one not allowing customers to use third party apps like XXXX to gain rewards for other programs ( XXXX XXXX ), I also owe them around {$1000.00} for a purchase I cancelled. 

I made a purchase with my Capital One card for a couch through XXXX. ( XX/XX/2018 ) I cancelled the order with XXXX the day after I ordered the couch. ( XX/XX/2018 ) I had to contact them 2 more times before I got a response. Turns out, they were emailing me. Even though I had told them specially not to, I said call or text only. Otherwise, I would not see the messages. 

Then, 2 weeks later, they finally sent an official notice that it was cancelled, no further action needed. ( XX/XX/2018 ) About three 3 days ( XX/XX/2018 ) later, an ~8 foot tall box was standing vertically on my door step, along with a ~4.5 foot long box. ( Photo attached ) Unable to open my front screen door and go in my own home while hold a car seat and a XXXX year old. Frustrating, but even if I did not cancel the order I had chosen the in home delivery ( photo attached ). I contacted them asking why it was still delivered when I had tried to cancel the order weeks ago and when they sent me the official cancellation notice a few days prior? 

They said it looked like the delivery service they hire decided to deliver it anyway so if I still wanted to return it I would have to pay {$150.00} for them to come pick it up. They knew they were dropping off a cancelled order. I was home, there was no knock, no door bell ring, nothing. 

XXXX refused to pick the package up for free or send me a refund and no one on resale pages were interested as a fully packaged couch seemed fishy or faulty. However, I didnt want these huge boxes sitting on my porch or living room floor forever. So, I ended up donating the couch and disputing the charge through capital one. 

Capital one denied the dispute and sent in the mail XXXX   proof which was about 20 pages of a decompressed thumbnail of a screenshot 2.5 inch x 3.5 inch of what I can only assume was their TOS because it was literally just a black blob. 

Capital one saw this and said it was proof. I literally went out and bought a magnifying glass to see if you could even make out words on these thumbnails but you could not. Not even with a magnifying glass. 

I decided to take the debt and give up because if they think its okay to treat a customer this way while accepting actually nothing from the company as proof then I have no chance of any financial justice. 

While reading an email from my XXXX XXXX app they said capital one isnt allowing their customers to access their own private data to use for points. Said that submitting a complaint is available. I did not know this was an option at all for any reason. So in my last efforts of redemption Im submitting this case as a complaint against Capital one.
Consumer complaint received 2018-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I received a letter from XXXX XXXX, XXXX stating that an escrow refund check in the amount of {$900.00} from XX/XX/XXXX had not been cashed, and they needed me to fill out a form stating that the original check had been lost or was never received so they could re-issue. The letter was dated XX/XX/XXXX, and I returned it to the original sender, XXXX XXXX of LoanCare , LLC ( XXXX ), on XX/XX/XXXX. I guess my understanding is that LoanCare is the servicing agency for XXXX XXXX? Regardless, after receipt of our signed letter, XXXX XXXX stated issuing the check would take 7-10 days to process, and then mailing time. As of XX/XX/XXXX, we still have not received our check and are concerned about the status of it.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from XXXX XXXX explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

My husband and I have a joint check account with Chase. My husband has had this account for 7 years. Chase closed our account with our prior notification today XX/XX/2018. When I called to find out the reason the only response they would give me is " Chase has reviewed your account and has decided to close it '' My husband and I were both expecting a direct deposit from our job today and when I asked about that money Chase responded that they are holding the money for two business days and then will send a check. The money in my checking account is the only money I have. I have a XXXX year old daughter at home that I need to feed and pay for her daycare. I can not wait for a check to come in the mail. It is unfathomable to me that Chase is allowed to hold my money and not even give me an explanation. Chase even opened up a savings account for me on XX/XX/2018, so there was no issue with my or my account then. I went into a branch to see if they can give me more information and they said " Sometimes chase does this and they wont even give the branch managers information. '' The branch manager saw nothing concerning on our account either.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OH)

My paycheck was stolen out of my account. I filed a dispute and they said it was a legitimate transaction. This was my response ... I want to physically talk to someone. If you look there are 3 transactions for decline fees at XXXX and 1 balance inquiry at XXXXXXXX XXXX and then the withdraws. I was at work from XX/XX/XXXX at XXXX until XXXX on XX/XX/XXXX. I have the time card to prove it. I was asleep in the state of XXXX   after working an almost 11 hour shift. When I got the alert of the with draw I immediately called. To file a dispute because I didn't make the transaction I have never been to XXXX and do not know anyone there. I can't see where the decline fees were done at on my account. It doesn't take a rocket scientist to know when it's not physically possible to be asleep in XXXX and using an ATM in XXXX. I use the last 4 digits of my social as my pin so whoever cloned my card must have figured out the pin. This is happening everywhere so I don't understand how you can even begin to blame me for a criminal that accessed my information! I will be contacting our local police department about this.The information was stolen and my money should be returned immediately like a legitimate bank would do. I will not let this go. I lost money at work because I couldn't go on an out of town job because of my money being stolen. This cost me a loss of about {$700.00} in wages. I want to talk to someone in person XXXX. I'm tired of people hiding behind messages instead of trying to resolve the issue. They have also not provide me with their so-called documentation. I have requested it repeatedly. I believe this is part of a bigger ring of thieves since there are hundreds of complaints for this very thing and XXXX refuses to give people 's money back. Is this an inside job with their company I wonder?
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (AL)

I sent a certified letter to XXXX XXXX XXXX XXXX  asking to send me validation for 4 accounts that they have reported to the credit bureaus. XXXX XXXX XXXX XXXX violated the HIPAA law by sending me itemized letters of procedures that was done including personal information. Per the HIPAA XXXX XXXX XXXX should not have sent me itemized statement with my Medical procedures. As a third party debt collector, XXXX XXXX XXXX XXXX should not have access to my personal medical records.This is a violation of HIPAA. I did not authorize any medical professional to disclose my Medical records with any third party.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION AND XXXX CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Fedloan Help (HI)

I've been sitting on school loan from the XX/XX/XXXX 's which originally was {$7500.00} that I have been paying on and off. But due to life circumstances it's now pushing {$30000.00}. The Fedlaon can't even give me on how much I've paid into this for the last 30+ years because its changed so many different hands. It started as a private loan, that much I know. I've reached out over the years for information and can not seem to get any details so I just keep applying for forbearances as the principal continues to grow and grow. 
My Circumstance ... 
My wife and I lost our only son back in XX/XX/XXXX. ( XXXX, XXXX XXXX ) We went through a hell of a court battle through the Florida court system all the way to the FL Supreme Court where we eventually lost but, my wife and I are survivors and realizing after years, it's now our cross for the rest of our lives. 
I'm XXXX years old and lost everything when my son passed and at the time, I couldn't care less. Now getting back on my feet slowly and hopefully I can have some kind retirement and definitely sleep a little better with this monkey off my back. 
However, there has been a good thing come out of this tragedy, my wife and I played a very influential part and passed House Bill No. 67 in XX/XX/XXXX that XXXX XXXX signed cited as the " Gordon and Miulli Act Its a defibrillator law for schools and park districts in the state of Florida. It was all my son needed to be saved.. ( Again, XXXX XXXX XXXX or the XXXX XXXX XXXX ). In which case should be considered a Public Service of some kind.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (FL)

on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (AZ)

On or about XX/XX/XXXX I went to XXXX XXXX to check out a XXXX XXXX XXXX that was advertised on XXXX for {$7700.00}. The car had only about 40k miles on it. Since I started to work in the XXXX XXXX XXXX and my current car had XXXX miles, I figured I can make the payment at that price with just my XXXX XXXX business. I started working as an XXXXXXXX XXXX as of XX/XX/XXXX because I was let go from my previous employer. I explained to the salesman at XXXX XXXX that I did not have a fixed job because but was doing XXXX XXXX. The salesman said that it was ok they can use your previous employer information, they ( assuming Ally financial ) never check, and these loans are always sold as a package deals along with other auto loans. I also said that I had XXXX I can put down from a XXXX XXXXXXXX credit card. At first the dealership wanted XXXX down of which I did not have. The salesman said that's the only way they could finance the deal. So I shook his hand and went on my way. This was a Sunday XX/XX/XXXX. 
The very next day Monday XX/XX/XXXX, the dealership salesman calls me and tells me that they can now do the deal with XXXX down. 
I was sceptic because I didn't have a full time job and I was barely making ends meet. I moved out of my home and rented it in XXXX. I figured I could make the monthly car payment because I could work more as an XXXX XXXX. 

The deals that XXXX XXXX made with Ally Financial is astonishing. They didn't verifying any information, only what had come up on my credit report. 

The dealership also fraudulently raised the advertised price from {$7700.00} to {$10000.00} knowing. I am speculating that the price had to be over 10k in order for the Ally to finance. I made a complaint to the Arizona Attorney General whom is still investigating this matter. It has been since XX/XX/XXXX that I submitted the complaint, but the dealership is failing to respond. 

This car should have never been sold to me because I didn't have the means to pay it at the time. But car dealships and finance companies are the biggest scammers of all. 

I would be in a better financial place, of I had not bought this car at the time I could not afford it.