davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I applied for a {$500.00} payday loan from Cash Central on XX/XX/XXXX. I faxed and emailed a Notice of Cancellation on XX/XX/XXXX that I was rescinding the loan. I also called Cash Central on XX/XX/XXXX and spoke with XXXX or XXXX at XXXX to confirm I was cancelling/rescinding the payday loan and written documentation had been sent. Cash Central contacted me back on XX/XX/XXXX that ACH transactions had been disabled on my account effective XX/XX/XXXX and I needed to return the {$500.00} by certified check or XXXX XXXX. I purchased a certified cashier 's check from my bank on XX/XX/XXXX and returned the funds to Cash Central by overnight certified mail. The cashier 's check was cashed by Cash Central on XX/XX/XXXX. I contacted Cash Central by email and telephone to confirm receipt of the funds and no additional penalties or interest would be deducted from my account since the ACH function was disabled on my account. I was assured by XXXX a service manager that no additional fees were due and nothing would be deducted from my bank account. On XX/XX/XXXX Cash Central deducted {$140.00} from my bank account without my knowledge or authorization. I do n't owe them those funds! I want the funds returned to me immediately!
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/XXXX I went to XXXX XXXX XXXX to withdraw XXXX $ I got a receipt that said invalid entry please try again. No money dispensed so I thought I would try for XXXX $ thinking it 's the hoilday maybe the time machine is low on money. I get a receipt that says please contact your merchant. I thought I would go try another XXXX XXXX time machine. I pulled over and checked my account from my mobile app and the XXXX $ dollors was deducter from my account and the transaction shows completed. I am using an American express prepaid card that was issued from XXXX XXXX tax service 2 years ago and I have direct deposit from my employer. I called customer service and filed an disbuet. They said someone will contact me within three business days by email. They also wanted me to send a written request to a fax number. I did that aling with receipts from the transaction. There policy says it can take 10 days to receive a temporary credit and 45 days for a compleate investigation. I went to XXXX XXXX office located in XXXX and was told they would check there records and call me back. They called to say they were balanced so the card holder has to be overby XXXX . They concluded they investigation on XX/XX/XXXX and the email said that they were informed that the money was dispensed from the merchant. I filed a dispute with American express.I then took that e mail back to the corporate office and was told that this was not true. The North shore rep from the electronic department And I had a conference call with.American express and was told that they are not able to connect us to the dispute team, they only contact was email and were not able to provide that information either. Well since I had a fax and email from them we then faced a written letter from XXXX XXXX rep, there star transaction showing all transaction and the amounts aking with my transaction showing no funds were dispensed. I am currently waiting to see the outcome and hopefully a credit for XXXX $ Only contact information I have is this email that they are asking me to fax to XXXX and a fax of XXXX XXXX XXXX XXXX XXXX rep were very kind and are willing to get video footage if they can.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, In XXXX of 2016, I received a phone call from Navy Federal CU/Credit card division that they were offering me a special to bring my account current for two months and that in XXXX my account would go back to its current amount due. I had lost my job earlier that year and was having a hard time finding another one. In XXXX, when I went to make my payment ... .the account was still past due and the representative told me that she could not honor that agreement. I asked what was going on and basically I could n't get an answer. I was confused by no-one helped me. Instead, they closed my account and brought the entire debt due. It 's disappointing because I had other credit card companies that worked with me every step of the way and got paid off. Of course, this has negatively impacted my credit.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX XXXX XXXX XXXX 2016. Upon signing up, I was told there would be guaranteed internship and job placement after graduating. School was coming to an end and I had no internship. I was told that I was " on my own and had 1 week after school ended to find one ''. After my XXXX was completed and official graduation date has come, my student loans kicked in and my monthly income came no where near what was expected once I attended the school and struggled to pay loans, rent, and basic day to day essentials. I was forced to have my loans go into collections and was told " I should have gotten a better job and thought about my career before I went to school '' by a XXXX XXXX customer service representative. Fast forward 3 years, XXXX XXXX XXXX XXXX closed their doors under the law Obama had passed where if a students loan payments exceeded their monthly income, they had to close. Which was 100 % the case for myself and almost everyone I knew from the school. I still struggle with paying my loans and working with a representative to have my payments lower to no avail. There has been 2 class action suit won over the same issue in 2 other states. XXXX XXXX XXXX XXXX should be the next class action suit won! Since the school had closed, I 'm unable to log into my school email account to retrieve my school files or else I would be able to provide you with more detailed information.
Consumer complaint received 2017-08-14
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: WELLS FARGO & COMPANY (CA)

Wells Fargo sent me a promotion which I registered for and met all the requirements in terms and conditions. They did not give me the account credit claiming that the offer ended on XXXX XXXX however I fulfilled the terms back in XXXX and the terms of the offer stated : " Your Wells Fargo statement credits will be posted to your credit card account within 1 to 2 billing cycles of your purchase. '' It can been seen by their official link sent in the email below : XXXX XXXX XXXXXXXX? XXXX They need to honor their terms and not change them after the promotion has started. I called and asked to be credited as it had been 3 billing cycles and they denied saying that credits do n't post until after promotion ends. However the wording of the promotion clearly conflicts with what I was told verbally.
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (CA)

Well on XXXX XXXX this client that had my services for 3 months decided to do a chargeback of the amount of {$60.00} after those {$60.00} were returned back to my account it was taken out again and my account back to negative but now with an extra {$20.00} on it so now im - {$80.00} on my account, after numerous calls to paypal regarding this case i was told is still being reviewed and it might take up 75 days, but no one told me that if the case is still being reviewed i had to pay the balance or i was going be sent to collection, no one gave a warning regarding that balance they just kept saying is still under investigation, and it will be taken care of by paypal. Its been almost 3 1/2 months since this case been opened and since paypal sent proof to the bank institution, So now i want paypal to fix this issue and get my credit score fixed because now paypal has ruined my credit score, If paypal is unwilling to take action against this case ill get a hold of my attorney and have them take action against Paypal Inc. If paypal can also do me a favor and close my account once they fixed this issue because for what just happened im staying far away from paypal as possible thats for sure. Once paypal has resolved my account and fixed my credit score i want my Paypal account closed asap. I Wont be doing bossiness or getting near paypal ever again.
Consumer complaint received 2017-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (DE)

I made my first payment with netcredit on XX/XX/XXXX. The monthly payments were fixed at XXXX. The last payment was due XX/XX/XXXX. I noticed on the breakdown of principal and interest that large amounts of interest were still being taken out well after 16 months of the loan. The following is a breakdown of payments in principal and interest : XX/XX/XXXX {$250.00} {$98.00} {$150.00} {$2000.00}XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$2000.00} XX/XX/XXXX {$250.00} {$40.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$45.00} {$200.00} {$1900.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1800.00} XX/XX/XXXX {$250.00} {$10.00} {$240.00} {$1800.00} please note only {$10.00} went to principal XX/XX/XXXX {$250.00} {$59.00} {$190.00} {$1700.00} XX/XX/XXXX {$250.00} {$65.00} {$180.00} {$1700.00} XX/XX/XXXX {$250.00} {$72.00} {$170.00} {$1600.00} XX/XX/XXXX {$250.00} {$37.00} {$210.00} {$1600.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$83.00} {$160.00} {$1500.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1400.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$97.00} {$150.00} {$1300.00} XX/XX/XXXX {$250.00} {$100.00} {$140.00} {$1200.00} XX/XX/XXXX {$250.00} {$86.00} {$160.00} {$1100.00} XX/XX/XXXX {$250.00} {$120.00} {$120.00} {$1000.00} XX/XX/XXXX {$250.00} {$140.00} {$100.00} {$900.00} XX/XX/XXXX {$250.00} {$130.00} {$110.00} {$770.00} XX/XX/XXXX {$250.00} {$160.00} {$80.00} {$600.00} XX/XX/XXXX {$250.00} {$170.00} {$78.00} {$430.00} XX/XX/XXXX {$250.00} {$200.00} {$44.00} {$220.00} XX/XX/XXXX {$250.00} {$220.00} {$23.00} {$0.00} it is only in XX/XX/XXXX that there was more paid to principal. I called and they could not give me an explanation. I was put on hold several times. Then they said it was in my contract about the way payments are structured. There is nothing in my contract that refers to how principal and interest are applied. I have always had loan in which the longer you make payments the more principal is applied to the payment amount. currently, I have been on hold well over an hour because I am trying to make a large payment and I want to make sure it is applied to principal. I think they have blocked my number. I am on XXXX. to have made payments where 0 % is applied to principal is outrageous and predatory. I have no idea how to handle this situation.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have spoken with over 6 agents in the last few weeks after I was told to call back after my payment post before my late fees can be waived due to emergency XXXX and recovery that took place in my life over the last 10-12 weeks ; I am the sole owner of my account and no one knew my bills or due dates nor was I prepared for my extended hospital stay or XXXX there was absolutely no time to prepare I was promised my fees to waive off both accounts and only received fees waived off my XXXX XXXX but not on my XXXX ending with XXXX I am a long time consumer and would like cap 1 to honor what I was promised now when I call back I am told there is no offer on my account I have no clue what cap 1 reps are talking about and I have no control over how the reps note the account I know what I was told and to further prove my comments it was done on 1 account but not both - I do not need this extra stress after being a customer for nearly a decade if not longer I should not have to file a complaint to resolve an issue but I am tired of calling being transferred all over the place and spending more than 45 mins on each call without a resolution
Consumer complaint received 2017-07-21
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: Experian Information Solutions Inc. (ID)

On XXXX I submitted certified letters to the credit reporting agencies XXXX, Experian and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
Consumer complaint received 2017-08-15
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. (FL)

XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Consumer complaint received 2017-07-21
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. (NC)

This is a follow up to the previous complaint:XXXX Chase delayed and dodged addressing my problem and asked for additional info. I provided within 48 hours, but they closed my case anyways without addressing the issue. Here is the new info they requested : I was asked to provide the account number and opening date of this card. I earned points on two separate occasions. Here are the card numbers : XXXX - opened XXXX XXXX - opened XX/XX/XXXX Here are the terms in the email I received stating these cards were on the way : TERMS AND CONDITIONS : Plane Travel is subject to the government-imposed XXXX XXXX Security Fee of up to {$10.00} per roundtrip. Number of points required to redeem for free flights is dependent on fare availability, destination, time, and day of travel, which are subject to change. Travel good on XXXX XXXX published, scheduled service. *Points do not expire as long as you have flight or Partner earning activity every 24 months. As you can see, points should not have expired considering I had a flight in XXXX.
Consumer complaint received 2017-07-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

The home is on the market and we have a valid and current offer that is acceptable to the investor or so we have been told by the Ocwen. The Seller is a separated woman who in the separation agreement was awarded the home and the Husband Deeded the property the Wife. The Wife has a Protective Order against the Husband for XXXX. He is no longer on title to the property and is not required by NC State law to sign any paperwork pertaining to the sale of the home. Ocwen is holding up the approval of the short sale indicating that the Husband has to sign the Offer to Purchase and they want him on the HUD1 settlement. We are about to lose the one and only buyer on the house.
Consumer complaint received 2017-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Nicholas Financial Inc. (AL)

To whom it may concern : On Friday XXXX XXXX, 2017, I purchased the vehicle identified in this letter from XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX ( salesman ). I was informed by XXXX in order for my loan to Get Approved I would need to sign all paperwork and add insurance to the vehicle before seeing or test driving the car. My response, I am at work and I can not leave today and his reply, I will come to your job. He arrived with paper work for me to sign and refused my request to make copies. Not to mention he did not drive the XXXX advertise for me to purchase. Also, I explain to him on several occasions I wanted a XXXX and his reply was keep this car 4 months and trade the XXXX in and I will get you a XXXX. Unfortunately, the vehicle has not been satisfactory because of the following : 1. Mileage ( incorrect ) 2. Inspection & Maintenance report? 3. Oil change ( receipt ) 4. Visible damages to the bumper 5. Head-Lights not clear 6. No additional key 7. Blue tooth & CD changer capability 8. Neither Cigarette charger works 9. No working navigation & etc. I was informed by XXXX all the items identified in this letter would be corrected once I purchased the vehicle. On Saturday XXXX XXXX, 2017 at XXXX, I text and called XXXX to return the vehicle. I did not hear back from him until Monday XXXX XXXX, 2017 at XXXX by text that he was in a closing. I have gone to the XXXX location for several weeks and no one is ever there. Finally, XXXX returned my call, stating give me a couple of weeks to make the repairs and you will be satisfied. After two weeks XXXX state, I would have to pay for the repairs. This is not what we agreed too. I reminded him of what he said and his reply sorry you are going to have to pay for it. Wednesday XXXX XXXX, 2017 at XXXX XXXX text XXXX and drove to the office. I disagree with his decision. I should not incur any additional cost due to the following under Alabama Code : Deceptive Trade Practices Title 819 Unlawful Trade Practices8-19-5 False Advertising Under Business & Profession Code False Advertising Title 819 Untrue or Misleading Known or Should Have Known Unfair Business Practice Alabama Code Title 27 Insurance 27-12-18 Alabama Business Compliance ( fiduciary responsibility ) Alabama Code Title 6- Civil Practice 6-11-20 Wrongful Intentional Act Consumer Protection Act Fair Credit Reporting Act I look forward to settling this matter amicably. If, however, the matter is not satisfactory resolved by Friday XXXX XXXX, 2017, I will  consider taking legal action to resolve the matter of fraud and deception through the Department of Commerce, Better Business Bureau and State ( s ) Attorney General.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

In XXXX of XX/XX/XXXXI received XXXX but after XXXX payments the XXXX XXXX XXXX messed up my XXXX XXXX payments because they forgot to update my XXXX XXXX XXXX service plan. I contacted ocwen and explained what happen so we ended up being behind. It took untilXX/XX/XXXX for ocwen to give us a loan modification which was double of what we had on XXXX. So we started paying the loan modification but after XXXX payments we noticed that our payments were n't being applied to our loan it was just sitting there in limbo. They did take about XXXX out of the payments. Then we found out they had started the foreclosure process. I stayed in contact with my contact XXXX XXXX. It took months and they told us to reapply for the modification. Now our fees kept adding up. From a XXXX loan it 's now over XXXX loan .so we gathered our paperwork in may and reapplied. We received a letter saying they received all our paperwork and then it would take XXXX days. The very next day we received a letter that we were denied. But we could appeal. So I gathered all the paperwork within the XXXX days. They said it would be reviewed within a couple of days we were denied because they said it was our XXXX attempt. We did n't want to re apply we wanted out payments to be applied. This could have been rectified last summer. Now I 'm going to send in our XXXX appeal and I 'm sure we will get denied. Also our original loan put my XXXX name on our loan. We bought the house from him. They put him on without any of us knowing including my XXXX. They said that was the only way we could get the loan. So if we could make the payments he would be responsible for it. We never were told andmy XXXX has since XXXX XXXX. And they have taken his name off just recently.also we have an XXXX XXXX out of XXXX XXXX who is now going through XXXX and XXXX XXXX because XXXX are coming to our home and taking pictures of the house and looking at the house. He thinks people are coming to take him back to XXXX. Of course they have posted our home on XXXX. That 's reassuring.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (TX)

This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.