davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). 
They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. 



Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS  Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. 


Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Consumer complaint received 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have been dealing with XXXX XXXX, and i have been making small payments, which i have explained to them why that is, but they felt the need to withdraw {$610.00} out of my account without my acknowledgement or permission, and have sent my bank account severely into overdraft. I am struggling to make ends meet at the moment, and at the time i am paying medical bills, as well as life bills. I need that money back. Please help me.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

I got denied a credit from ally for a car loan. Their letter states they used XXXX XXXX. 
As the letter writes, I called to obtain my credit report from them. When I called no one picked up the phone and was instructed to request my report online on their website. When on the website, I was told to call instead. I called again trying to speak to a representative but you can only leave messages on a voicemail.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (IL)

In the first week of XX/XX/2018 I received a letter from Westlake Portfolio Management LLC stating that they have been assigned to my auto loan formerly with XXXX XXXX. 
I want to note that I did not receive any correspondence regarding this change before XX/XX/2018 from either parties : XXXX XXXX or Westlake Portfolio Management LLC. 
I went on to inquire about my settlement put in place by XXXX   XXXX of about {$1100.00} left to be paid. Westlake Portfolio Management LLC acknowledged notes placed in my account regarding the settlement but assured me multiple times that they would not honor the settlement agreement and stated that I am due to pay {$7200.00}. I spoke with many representatives through out this process and none of them could give me reason to why my request would not be regarded other than XXXX XXXX ( manager ) " said no ''.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

Credit freeze, identity theft hold on my credit profile. Equifax is reporting credit inquiry from XXXXXXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018. I have mailed a request to Equifax to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax has investigated the same issue more than 7 times and has not forced the company XXXX XXXX to provide any documentation to prove the debt is accurate. I believe that this is illegal and that Equifax needs to be investigated.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

The small bank has reported an " overdraft installment loan '' to my credit report late every month since 2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CO)

We were charged a late fee of {$35.00} concerning our  XXXX  payment.  Fay Servicing po sted the payment on  XXXX   XXXX , but the check was cashed on the  XXXX . I have twic e e mailed them copies of the bank statements to attest to this fact and they  will not remove the fee. At the appropriate area of this form, I will copy and paste a 6 month payment history from my bank,  XXXX   XXXX   XXXX   XXXX .
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

Back in  XXXX    XXXX   while accessing my account information I discovered a check for {$800.00} was cashed by an unknown person. I contacte d Citibank rig ht away and advised them of the issue. From what I learned, an unknown person altered and was allow ed by Citibank to   cashed a check from my checking account without my authorization. Based on information given they informed me that an investigation had to be open and at which time they requested information as well as signed documents. I requested a copy of the check which they sent and at which I informed them I had no knowledge of the person who cashed the check and I also signed an affidavit stating the same. However, over the last  two mo nths, I have been in contact with Citbank on the progress of the investigation and spoke with over  XXXX  representatives ...  XXXX  #  XXXX  ... .  XXXX   XXXX   XXXX   XXXX  .... who kept telling me that it would take 90 days for them to resolve the issue and they kept asking that I sent in documents already submitted. On  XXXX / XXXX /  XXXX   I finally got frustrated and asked to speak with a supervisor, they transferred me to a person by the name of  XXXX ID #  XXXX  but again she informed me that they had no information and that they were waiting for information from the branch and that a letter will be sent at the end of 90 days. Based on my conversation with  XXXX , it appears that they were only now contacting the branch based on my call to them today. However, in the mean time I am out of {$800.00}. Based on my man y calls to Citibank I as ked that they refund my money and the many times I asked the many time they declined stating that they ca n't due to the ongoing investigation.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I contacted all three companies bureaus XXXX, XXXX, and equifax on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with equifax, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
Consumer complaint received 2018-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My mortgage was " sold '' to loancare by another company. Based on getting paid monthly, we always paid our mortgage on the XXXX before late fees accrued and paid online. After the mortgage was changed to loancare, we have had to pay " late fees '' based on when it is paid. Ex. 1-5 days {$5.00} extra, 10-15 and 15-30 {$10.00} extra. Not to mention, IF for whatever reason we get paid late, we have to pay the mortgage later and then there is a real late fee ... so we are paying DOUBLE late fees. Again, I stress, we have NEVER had to pay late fees with our previous arrangement. We do not have a ton of money so every little bit counts in this day and age. I called loan care to explain the fees and they said it is a fee to USE the online payment option. Being the technology age, this is the ONLY company that CHARGES to pay a bill. It is also very odd that a fee would change amounts based on when a bill is paid. I called numerous times to ask for the due date to be changed so I can avoid these charges and they said " no, the due date is based on your last company 's agreement, therefore, we will not change the due date. '' They do not even try to work with you. One lady even said, this is how we make our money. I am so appalled that they do not work with and it is frustrating to pay extra every month for no reason. To my understanding, this is a management company that works for financial institutes. It is not fair to the customer to pay extra on top of what we agreed upon.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IA)

1. On XX/XX/23 my Chase checking account/Visa debit was charged a total of {$1000.00}. This was in the form of 3 separate transactions in the amounts of {$350.00} each. The charges were sent from XXXX XXXX to my XXXX account. The 1st charge was sent at XXXX XXXX. The 2nd at XXXX XXXX. The third at XXXX XXXX. These charges were not authorized. 
2. On XX/XX/23 I noticed the charges as pending when checking my Chase account. I called the Chase Customer Claims department at XXXX to report the charges as unauthorized/fraud. A fraud claim was opened with Chase under claim number XXXX. My Visa debit card was cancelled and a new one was issued. 
3. On XX/XX/23 Chase issued a temporary credit of {$1000.00} to my account while they did their investigations. 
4. On XX/XX/23 Chase finalized my fraud claim stating the charges were found to be authorized and reversed the credit of {$1000.00}. 
5. On XX/XX/23 the three charges of {$350.00} were rebilled to my Chase checking account removing the total of {$1000.00} from my available funds. 
6. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to see what documents or items I could send to reverse their decision and show the charges were fraudulent. They were going to relook at my claim and contact me. 
7. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire where the claim was and if they had reversed their decision. I also faxed them a letter from the Chase Fraud department showing that other charges from XXXX from XXXX XXXX were confirmed to be fraud. 
8. On XX/XX/23 I called the Chase Customer Claims department at XXXX XXXX to inquire if they received my faxed documents. The agent stated they had and that my claim was still denied. I asked if the Chase Fraud Department found the charges to be fraud from XXXX XXXX, then why did the Chase Customer Claims not find them to be fraud. The agent stated they couldn't tell me and all they could do was send me the information that was sent to them from XXXX XXXX. 

At this point I have spent over 2 months trying to get the {$1000.00} refunded back to my Chase checking account. The Chase Fraud team found the charges to my Chase credit card from XXXX XXXX as fraud. There is no reason that Chase continues to refuse to do a permanent refund of {$1000.00} to my Chase checking account.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (MI)

On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX  to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXX and have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX  XXXX  detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXXwhen I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MS)

I was in bankruptcy, the trustee paid the company over {$40000.00} then I paid them three years thereafter.They sold my mortgage and the money the bankruptcy Court paid never was put on my balance.So I am trying to find out what happened.This is a very slow process.Can or will you help.Thanks
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

SYNCB/WALMART does not respond to any request for validation of debt so XXXX and XXXX removed. But ... .for some reason XXXX can not provide this information either but reports every month as as late payment, and paste due account. Unbelievable! Account is showing it was laste in 2011 is the kicker - 7 years ago. Hopefully CFPB and get ahold of XXXX  and find why the XXXX this has not been removed as no one can provide any validation of what this debt is and I have provided my SSN Card and ID.
Consumer complaint received 2018-04-30
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: EQUIFAX, INC. (MD)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TN)

Hi Sir, I had disputed 4 transactions in XX/XX/XXXX on my credit card. As of today XX/XX/XXXX the case is still not resolved by chase and it was told to me by chase representative on the phone that I am not liable to pay these charges or the interest accrued on them until it is resolved. Now these charges have been reported to the credit agencies as past dues and my score is down by 150 pts. I would really appreciate chase to remove the past due remark from my credit report and also resolve this dispute asap.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

XX/XX/XXXX : {$1600.00} interest fee was added to my remaining balance. 
was told that i just needed to pay the suggested amount at minimum when i first applied for the card. i have continued to pay the interest and more every month, since getting the card. lately ive paid the minimum, but they sent me a notice lowing my credit limit on the card, then they added the interest bringing the card into the negatives. 

none of this was explained or detailed at the XXXX  store which is now out of business.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

Dear Officer, My Chase Business Visa account was for over 10 years in excellent standing, without late payments and always paid in full. Recently I become a victim of investment fraud and on my XXXX XXXX card was accumulated significant debt. As the result, I necessitated filing a bankruptcy on XX/XX/2018. Again, on a moment of filing bankruptcy, my Chase account was completely paid off. After filing bankruptcy all my credit cards accounts were closed, including Chase business account. On this business card was accumulated {$150.00} of cash back rewards money and I promptly contacted Chase and ask to transfer this money to my checking account. My request was denied. Chase representative told that my cash back money becomes forfeited due to my bankruptcy according to credit card terms and conditions. I understand this policy if a card has debt. Hoverer, again, my card was paid off and Chase did not lose its money because of my bankruptcy. However, Chase took mine money instead! I see that Chase policy if it blindly and straightforward applies, discriminates accounts in good standing prior bankruptcy like it has happened in my case. 
I disagree with Chase decision and request to refund my cashback bonus