davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

There is more than XXXX company collecting payment on this debt and they can not verify where the payments have been applied. When I researched into who was in possession of my account, it seems as though that the account is held by multiple parties, including XXXX XXXX, Synchrony and XXXX XXXX. I tried to pay Synchrony bank directly by sending them a check to their XXXX XXXX as directed. On XXXX/XXXX/16, the check ( which was made out to Synchrony bank with my XXXX XXXX XXXX account number ) was cashed by XXXX. I called XXXX, and spoke to a representative XXXX who said that XXXX XXXX has no record of my account or my name. I also called Synchrony Bank who claims that they are soley in possession of my account but informed that the funds were not applied to my XXXX XXXX XXXX account and they had no record of the check that I had sent directly to their address. I then had to call my bank XXXX to dispute the check as I had not made it out to XXXX XXXX but it was cashed by this bank and was not applied to any of my accounts. Furthermore, Synchrony Bank refused to provide statements or receipt of payment for this account.
Consumer complaint received 2016-07-16
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AES/PHEAA (IL)

American Education continues to contact me even though I no longer wish to deal with them, they have threatened wage garnishment against me even though I am not being sued, I checked with my local casenet and no pending lawsuits against me. They are a scam because their supervisors do not know anything, XXXX XXXX claimed to the Illinois Attorney General that I gave them my mother 's phone number as a way to contact me when that 's not true. A 3rd party company named XXXX changed the phone numbers because they admitted it to my attorney because a FDCPA case was settled with me. I would never given my mother 's phone number to contact me because that is not a way to contact me. I have advised them not to call me but they claim per my promissory note that I agreed to it, I do not have a written contract with then I can go online to make payments. Also, I need the credit mark removed from my credit because my bank did not pay the {$25.00} on XXXX/XXXX/16 due to a system glitch in the system therefore this is not my mom 's fault or mine for that matter. I have a letter from my bank explaining that information. American Education Services uses legal action to scare people but I will have an attorney as of Monday, therefore no more contact with me because it will be illegal to contact me since I will have an attorney on Monday. I will not make anymore contact with them. Now I recieved a letter from them claiming a name issue, I have not changed my name at all so I think this is a ploy.
Consumer complaint received 2016-07-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

OUR MORTGAGE WAS PURCHASED OVER A YEAR AGO FROM XXXX. WE HAVE HAD NOTHING BUT PROBLEMS EVER SINCE. WE SEND LETTERS TO THE NEW SERVICING AGENT, GET CONLICTING ANWERS TO EVERY QUERY AND IT GOES ON AND ON. FIRST THEY CLAIM WE HAD NO HOMEOWNER 'S INSURANCE - SENT THEM PROOF AGAIN AND AGAIN. THEN THEY CLAIM THEY HAD TO PAY OUR TAXES AND NOW ARE TRYING TO CHARGE US MORE AND MORE EACH MONTH AS A MONTHLY MORTGAGE EXPENSE. IN ADDITION TO THIS FRAUDULENT INCREASE THEY ADD FINES AND FINES EVERY MONTH STATING WE ARE SHORT EACH MONTH. WE ALWAYS HAD AN ESCROW ACCOUNT WITH XXXX - WHERE DID THAT MONEY GO? I HAVE ASKED FOR PROOF FROM THE CURRENT LOAN SERVICER TO SEE WHAT ACTUALLY TRANSPIRED WITH THIS " ACQUISITION ''. PERHAPS THEIR AQUISITION DEPT. KNOWS NOT WHAT THEY DO? THEY NEVER RESPOND TO OUR QUESTIONS, HAVE CREATED SOME INSANE " NEGATIVE ESCROW SHORTAGE '' AND WE ARE SICK OF TRYING TO DEAL WITH THEM.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

I apply for a  Chase Sapphire Reserve  Credit card on approximately  XXXX   XXXX ,  2017 . A short time after that I received a card in the mail. I never went online or ca lled Chase Sapphire  to confirm receipt or activate the card due to the fact I thought it was a simple application and not a aggrement to pay {$450.00} for a service I was looking into. I received a bill on  XXXX   XXXX     2017  for {$450.00}.   Originally when I applied for the credit card it was not clearly stated that upon applying I would be charged the annual fee. The advertising was misleading and confusing.   Additionally I call ed Chase approximately The first  week of  XXXX  or late  XXXX  to attempt to waive the annual fee as it was my understanding  XXXX   XXXX  military had that option upon approval. I notified  Chase Sapphire th at I was not willing to use the card unless the annual fee was waived. During that conversation it was never stated that the card was going to be charged even though it was never activated.   All attempts to resolve this matter w ith Chase have been unsuccessful. The company offered contradicting information regarding the activation and confirmation of receiving the card. Ultimately the Chase Sapphire representative stated that canceling the card would affect my credit score and  the annual fee was mandatory even though I never confirm receipt of the card, used the card and went online to activate the card.   I would like this Credit card to be canceled and I feel due to the misleading advertising the annual fee should never have been charged in the first place ( due to the fact that the card was never confirmed received or used ).   I have outstanding credit, own multiple credit cards and have never been treated in such a fraudulent way in my life.     A the final phone call  with Chase Safire  on  XXXX 2017 is what ultimately lead to this complaint being filed.     I WOULD NEVER HAVE CONTINUED WITH THE APPLICATION PROCESS IF IT WAS CLEARLY ARTICULATED THAT I WOULD BE CHARGED AN ANNUAL FEE, REGARDLESS OF ACTIVATING OR USING THE CARD! I WAS CHARGED FOR A SERVICE I NEVER USED! THIS IS FRUAD!
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.
Consumer complaint received 2016-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WMC MORTGAGE, LLC (FL)

XXXX allegedly executed an assignment of mortgage on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX was the assignee. This document was not recorded in the XXXX XXXX records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with XXXX XXXX and there was never an assignment of mortgage made from XXXX to XXXX XXXX. When this document was recorded, XXXX fully purchased the loan from XXXX XXXX. This assignment of mortgage is a fraudulent document. XXXX , Inc nor XXXX has ever had a license in the state of Fl. to service, lend or perform any functions regarding to mortgages. XXXX or XXXX, did not have the authority to assign my mortgage to XXXX. This document was signed 2 years after the co. was defunct and this company was never a member of XXXX.The company that prepared the assignment is XXXX XXXX and this is a known robo signer and fraudulent document mill. There are XXXX different companies involved on the assignment of mortgage.I have a statement from an employee at the company WMC Mortgage which is now the company for XXXX in regard to a QWR I sent stating " XXXX nor WMC would have the duty to respond as neither was your loan servicer ''. How did XXXX have the authority to assign my mortgage to XXXX when XXXX was not the servicer or the owner? It is my understanding that an assignment of mortgage has to be made by the owner or original lender, otherwise my next door neighbor could walk into the court house and assign the mortgage to himself.Why would a company that did not own my mortgage execute an assignment to XXXX in XXXX, which they were not a member of and then wait until XXXX to record the document in the county records? The mortgage was not even placed into the XXXX system until XXXX/XXXX/XXXX and this was done by XXXX XXXX XXXX. XXXX has refused to provide me with an acceptable response in this matter and I find it odd that no one seems to be able to answer a simple question ... Who is the lender?
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

Suntrust Bank provided written response to complaint XXXX stating a subpoena was received for release of my personal account information in XXXX. Suntrust identified in their response an attorney which has since hired legal counsel acknowledging no such subpoena existed and she found the statements. I have since discovered the employee from Suntrust Bank, XXXX XXXX has been terminated and Suntrust Bank is in denial or is simply trying to skirt past the fact my financial privacy was violated by testimony in open court as well as providing access to my bank statements in open court. The court docket and court reporter have recorded Suntrust testimony. Please share my complaint with all elected officials, federal and state agencies as deemed appropriate, I believe this action warrants a hefty fine and further compensation for negligence and misleading information to a consumer and a federal agency. The event in question took place in XXXX, not XXXX.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a citigold account in XXXX at a branch under the promotional offer of getting {$500.00} for depositing $ XXXX or more with the requirements as follows : 1 ) depositing {$50000.00} within 30 days of account opening. 
2 ) Keep the {$50000.00} in Checking for 30 days from deposit. 
3 ) The {$500.00} cash bonus will post XXXX calendar days from the date when all requirements are completed. 
I also confirmed my eligibility for the offer not once or twice but thrice including an email proof to a banking rep at the time of opening. 
I was n't rewarded that credit as expected within 3 months of account opening so I put in an investigation which confirmed I would be getting the credit of {$500.00} as I have met all the requirements by XXXX XXXX. ( The promotion code : XXXX ). Confirming reference : XXXX. However, I was n't credited the amount even on XXXX so I opened another investigation on XXXX XXXX where they confirmed they would let me know about my eligibility and credit by XXXX XXXX, which did n't happen either, so On XXXX XXXX when I asked they mentioned the investigation will take indefinite amount of time for which I do not want to wait any further as I feel cheated since I have all necessary proofs and confirmations from past confirming my eligibility and it should n't take long to credit the amount instead of making customers call and follow up so frequently, which is not only a bad customer experience but also seems like a fraudulent practice where you are promising a certain amount to maintain customer loyalty and not crediting the expected amount as promised. This is the reason why i am filing a complain here through CFPB so customers are aware of this practice and the citibank can try to be honest about their practices.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MA)

I have tried on multiple occasions in my dealings with both the Fraud department and most recently the Office of Consumer Affairs to have them change my current address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Unfortunately, in my several attempts to upload the necessary pages of my lease, apparently the online system to which a consumer is to upload does n't work. Henceforth, I am trying to utilize the method to get this rectified accordingly. I am attaching a few pages of my lease for verification purposes and would appreciate someone reaching out to me to let me know if in fact additional documentation is needed.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

the company has listed several recent inquiries that I am not familiar with and I would like them removed. my score was just literally over XXXX and now it is back down bc of this. I strive hard to keep my score going up, please do n't let my progress get hindered by fake inquiries
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX, XXXX XXXX XXXX AND XXXX, XXXX, XXXX COMMITTED F.C.R.A. INFRACTIONS. BY RE-INSERTING ACCOUNT ONTO MY EXPERIAN CREDIT REPORT W/O 5 DAY NOTICE TO CONSUMER IN VIOLATION OF FCRA. MUST PAY {$1000.00} PER THE LAW!
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (VA)

This complaint pertains to a Chase Visa card. On Friday, XXXX XXXX 2016 I called Chase to discuss making a large purchase in a foreign currency - XXXX. The discussion was to understand what exchange rate was used and when it would be effective. Chase told me that it was based on the exchange rate published in the XXXX XXXX XXXX for the day on which the transaction settled, which would be one to two days after the purchase. I made the purchase on Saturday XXXX XXXX, in the amount of XXXX XXXX. When I saw the transaction show up in my Chase credit card account, the amount in USD was {$25000.00}. The exchange rate was quite different ( worse ) than what was published in the XXXX. I called Chase today ( XXXX/XXXX/16 ) to discuss the matter. The representative indicated that XXXX sets the exchange rate and there was nothing Chase could do. I called the dispute department and they refused to disallow the charge because " an exchange rate is not a valid reason for a dispute ''. The dispute supervisor, a XXXX XXXX XXXX in Chase 's XXXX XXXX dispute call center, apologized for the fact that the Chase representative gave me materially incorrect information regarding both the exchange rate at which the transaction would take place as well as when the exchange rate would be effective. Had I been given the correct information, I would not have made the purchase. The entire reason for the purchase was to take advantage of a lower exchange rate ( i.e. the one published in the XXXX ).
Consumer complaint received 2023-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AL)

I currently have an arbitration case against Wells Fargo Bank because a Wells Fargo Representative called me stupid over the phone because I asked a lot of questions in XXXX of XXXX. I asked why she called me stupid, and she told me that I was not understanding her. I asked to speak to her manager. I told him all about her calling me stupid. I have been communicating with some of the lawyers who represent Wells Fargo, but they are shady and can not be trusted. I sent them a letter that I received from who I believe is the individual I spoke to concerning the Representative calling me stupid, and they concoct a bogus audio to try and prove that the letter was in regards to a loan. I have a copy of the fixed audio and the letter. In the audio the made me say that I have taken out loans with Wells Fargo in the past and paid them off. Wells Fargo has never given me a loan, and I would never lie to loan officer to disqualify me for a loan. I would like to forward the audio and the letter, but I need an email address. I know you all have the capabilities to detect when audios have been altered. 

On another occasion, a Wells Fargo Representative took money from my account without my authorization. The Wells Fargo Attorneys did not give me enough of my account information to fight my case. They only gave me what would not help me.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

Dear representative, THIS IS NOT A DUPLICATE COMPLAINT. This complaint is brought forth with new and previously unaddressed evidence. The PayPal representative who initiated a transfer of funds from my account into a family member 's linked negative account assured me that my accounts would be granted full access once the negative balance was resolved. To have this key point unaddressed after over {$300.00} was transferred from my account is nothing short of fraudulent from PayPal. I am requesting for the remainder of the balance on my account XXXX be made available for immediate withdrawal and for full access to be granted to all my accounts ( information detailed below ). I was made a promise by a company representative which was not upheld.
<P/>
To summarize, I possess three PayPal accounts ; Account A ( XXXX ), Account B ( XXXX ), and Account C ( XXXX ).
<P/>
Quoted from a previous response : " Due to your engagement in a restricted activity, we are not overturning the limitations on Accounts A, B and C. '' The restricted activity was defined as creating new or additional PayPal accounts in order to circumvent a negative balance or limited account. My first two accounts ( Accounts A and B ) were both permanently limited due to a linked family member 's account which had a negative balance ( XXXX ).
<P/>
To resolve this issue, I opened a new PayPal account ( XXXX ), and called PayPal assets recovery to initiate a transfer from that new account to the family member 's account with a negative balance. Records will show that a successful transfer was made. In fact, the PayPal representative who made the transfer assured me that my accounts will be restored access once the transfer was complete. To subsequently have my complaints not be addressed after this transfer is nothing short of fraudulent.
<P/>
This new account was made with the good intention of resolving that negative balance. I was not intentionally trying to violate PayPal 's User Agreement or participate in a restricted activity. I was attempting to resolve the family member 's negative balance as soon as possible, and this creation of this account ( XXXX ) was in good faith.
<P/>
I have already outlined the reasons why my business is n't high risk, carefully detailed in complaint XXXX.
<P/>
I am requesting that my accounts ( XXXX, XXXX, and XXXX ) be restored full access. I also request that the current balance which is held on my account ( XXXX ) be made available for immediate withdrawal. I comply with PayPal 's User Agreement, and would never compromise that trust. As detailed above, the third account was created with the sole good intention of resolving a negative balance on a family member 's account. {$300.00} was transferred from my account to the family member 's account to correct the negative balance.
<P/>
Thank you for your time and consideration, and do not hesitate to contact me if any questions arise.
Consumer complaint received 2017-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

They have been several occasions where Selene Finance was paid on time and they charged us with late fees. Their payment due dates are between XX/XX/XXXX XX/XX/XXXX, we were told that if they were paid within those date ranges we would not incur any late charges. We began paying them on XX/XX/XXXX after I got off from work and they would still charge a late fee. When I inquired about why we were receiving the late fee then they said that we had to pay by XXXX XXXX. The problem with that is their system is down from XXXX XXXX to XXXX XXXX which makes it difficult to comply with their rules. <P/>In addition to the above mentioned, we decided we would chose a different Home Owners Insurance from what we had when our Home Loan was first sold to Selene Finance because we would get a group discount. Without our consent Selene finance changed it back to the original HOI provider and once we inquired about why this was done we were told that they didnt know. We then asked them if they would switch it back to the provider of our choice and they told us that we could but we would have to pay it in full ourselves and they would reimburse us the money they paid. We have many more issues with Selene that they have yet to address. <P/>Thanks XXXX & XXXX XXXX
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MO)

Recently I paid off my credit card balance with CitiCards and logged into their website to download a copy for my bookkeeper because the usual statement was n't digitally sent to my bookkeeper via the online connection. CitiCards did not produce a statement for the period even though there was a starting balance and 2 payments made. I used their online chat to get a download and the representative ( XXXX, chat team XXXX ) claimed that they will not provide a digital statement and thus would not have mailed one to me. Since I had chosen to have only e-statements they would never have mailed it.This is a violation of the FCRA
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

Buyer for my townhouse has outstanding credit applied for conventional loan with XXXX on XX/XX/2016. He was approved immediately for the loan. Our closing date was set for XXXX XXXX, then XXXX XXXX, then XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and now XXXX XXXX. Chase has not explained why and refuses to return calls to me and the buyer. This delay has now caused hardship on several different people.