davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

Recently contacted Navient to ask what the " Unpaid Accrued Interest '' was that was recently applied on the account. I have been making the payments on the account for the last two/three years, and it should not have had any missed or unpaid interest on the account. 

On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) about the {$94.00} that was added back to my account under the line item described as " Unpaid Accrued Interest '' on an account summary letter. 

After looking into the account, he identified the original balance financed and that the account was on a payment/interest reduction plan back in XXXX and XXXX. He explained the interest is coming from the interest reduction plan and added as " Unpaid Accrued Interest '' and added back to the loan. 

When I asked if they ( Navient ) were trying to make up for the lost interest while the account was on an interest reduction plan. He replied, " Yes ''. 

He offered his advise to refinance at a lower interest rate ( currently at 11.25 % ) or suggested that the borrower and myself pay-off the loan. 

It is my understanding that an interest reduction plan should be for that period of time and after that plan is complete, the consumer should n't get penalized for the plan by adding the lost interest back to the loan. Otherwise, why offer or have the option of these types of plans, if the company is going to try and get the money back from the consumer anyway.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA REFUSES TO ANSWER QUESTIONS OR GIVE A VALID ANSWER, Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because they believe you may have been a victim of fraud. You may want to contact the company directly for more information. 

THIS IS NO VALID ANSWER, ITS XXXX!!! OF COURSE IM A VICTIM OF FRAUD, AND BANK OF AMERICA IS THE PERPETRAITOR!!! CRIMINAL, THEYVE BEEN REPORTING ON A DEBT THATS ALLEGED, THEY CANT SHOW ANY VALIDATION NOF DEBT, FURTHERMORE ITS OVER 7 YEARS OLD!!! AND THEY PERSIST ON COMMITING CRIMES, THATS OK, WHEN THEY RECEIVE MY COMMERCIAL AFFIDAVIT AND DO NOT RESPOND THEN I WILL FILE A NON-JUDICIAL COMMERCIAL LIEN AGAINST THEM BECAUSE OF THEIR PROVEN CRIMINAL INTENT RIGHT HERE ON THIS PUBLIC FORUM IVE COMPLAINED ABOUT 10 TIMES AND THEY REFUSE TO ANSWER SILENCE IS ACQUIESCENCE SILENCE IS FRAUD SILENCE IS GUILT THEIR XXXX CRIMINAL WORKERS IN THE FRAUD DEPARTMENT KEEP ASKING ME FOR A DEBIT CARD NUMBER FROM 8 YEARS AGO,!!!! THATS PRETTY XXXX!!!!! 
FURTHERMORE THEY CAN NOT PRODUCE A VALID CONTRACT WITH ME AND THATS MORE DAMAGES!!!! THE ACCOUNT HAS BEEN CLOSED SINCE 2009,!!! 
XXXX CRIMINALS!!!!!
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Extreme Loans LLC (NJ)

Extreme Loans is lying and not refunding my money for an appraisal I never got from them. They are mad that I switched companies and do not want to give me a refund they promised for a service I never received. They are acting like they dont know where its at. I paid {$600.00} for them to act like they dont know where its at. Save your money and use a different company.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MI)

I have XXXX credit cards with Chase. XXXX had a " Pay Over Time '' balance for a few transactions, where I wasn't being assessed interest on the charges as long as I made the payments according to the " Pay Over Time '' terms. I still had several months left to pay off the transactions before I was to be assessed interest charges. XXXX had a promotional balance-transfer balance that was about to expire, in which I would start being assessed interest on the entire balance starting in XXXX. On XX/XX/year>, I attempted to make a payment towards XXXX, but I accidently entered the account information for XXXX. I caught the error XXXX business days after I made the payment ( XX/XX/year> ), and I called Chase to move the payment to the correct account. They refused! They want to keep my payment towards paying XXXX off early - I still had several months to pay the transactions off before I'd accrue interest ; additionally, they refuse to allocate my payment towards the actual card that will start accruing interest once the promotional period expires in XXXX. This is clearly an unfair and abusive practice designed to extort more interest from me despite me making all the required payments in the required amounts by the required due dates to keep from being assessed interest.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CoinZoom, Inc. (NC)

On XX/XX/XXXX I deposited {$500.00} USD into Coinzoom via ACH Bank Transfer. Prior to making this deposit, I provided CoinZoom with my US Drivers License, Social Security number and personal information they requested. I was able to purchase crypto currency, however I can not do anything with my funds like move them to an external wallet or even back to my bank for 30 DAYS. My funds won't be available to move until XX/XX/XXXX. How is this legal? I have provided CoinZoom with all the documentation they have asked for before making the deposit and would be more than willing to provide any additional verification they need to confirm my identity. Coinzoom is holding my funds for an unreasonable amount of time for no valid reason. They claim they have outrageous hold times on funds to protect themselves against bad actors however they can not punish law abiding citizens because they do not vet customers thoroughly. When I provided them with the information they requested to verify my identity before I made the deposit, I entrusted that my deposit would be cleared within a reasonable time frame. Traditional banks dont even hold Ach deposits for 30 days. I would like the holds on my funds released immediately.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America charged interest even though I paid the non promotional balance in full. When I took the promotional transfer they explained that the minimum payment would be allocated to the lowest finance charged balance, in this case the promotional transfer. Therefore I would have to pay the minimum balance plus the entire activity balance in order to avoid paying interest. They claimed to disclose that if I used the card for purchases that even if I paid the minimum plus the monthly activity in full that I would still be subject to {$1.00} minimum finance charge. I do not believe that this notification was made to me. How could I understand the intricacies of how the payments are allocated and not understand that if I chose to use the card while I have a promotional balance that I would pay a fee regardless of paying of the monthly purchase balance in full. I can no longer use this card for purchases without incurring a minimum finance charge of {$1.00} as long as a have a promotional balance.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XX/XX/XXXX until XX/XX/XXXX I was incarcerated and my account was hacked and all my funds was stolen from me chime allowed it once I was released and I tried to access my account. I noticed that my account Password was changed. I contacted trying to get help regaining access to my account and was told that I had to provide proof of my ID before they allow me in my account once I provided the proof of ID I was able to access my account when I noticed that my account was not only hacked, but all my funds were stolen. I immediately filed a dispute. I had a hard time filing this dispute. I had to file the dispute over XXXX different times they approve me for some of the charges that was made while I was incarcerated. There was a total of XXXX unauthorized charges I was approved for XXXX of those charges is what I was told, and I was denied the remaining of the charges summing in the amount of {$5000.00}. Im having a hard time understanding. How could they approve me for some of the charges and deny me for the rest, the charges that they approved or charges that was made while I was incarcerated, the remaining of the charges that was made was denied, and those charges was also made while I was incarcerated when I filed a dispute I was asked for a copy of my release paper. I provided a copy of my release paper and then I was also asked for a written statement stating that those charges was unauthorized. I provided that as well as of XX/XX/XXXX Im still being denied for the remaining of those charges. I requested documents to explain why were the charges denied I have yet to receive those documents still to this day. Someone is still able to access my account. I dont know who it is and chime seems to not know who it is as well. Ive changed my password and theyre still allowed to access my account
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I need your assistance in helping me to the Bank of America account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank Of America listed an offer for the BankAmericard Cash Rewards Card. In order to entice me to apply for this card, the card benefits offered were : {$0.00} annual fee ; {$100.00} online cash rewards bonus offer ; 1 % cash back on every purchase, 2 % at grocery stores and now at wholesale clubs and 3 % on gas for the first {$2500.00} in combined grocery/wholesale club/gas purchases each quarter Calculate rewards Cash Rewards Low Introductory APR offer Show details Cash Rewards Get a 10 % customer bonus every time you redeem into a Bank of America ( R ) checking or savings account. If you 're a Preferred Rewards Cash Rewards client you can increase that bonus to 25 % or more. 

I applied for the card and logged into Bank Of America 's website to check on the card and noticed that I was charged a {$39.00} annual fee. I contacted Bank Of America and was advised by a rep that the they could not remove the {$39.00} fee and that the card also did not include the {$100.00} online cash rewards bonus offer. The Bank Of America rep advised that this was based on a credit decision. 
However, the whole purpose of me applying for that particular cash back card over other credit card offers was because of the {$0.00} annual fee offer and the {$100.00} online cash rewards bonus offer. Bank Of America did a bait and switch, offered services for signing up on the card, then issued the card, and refused to abide by the terms of the offer, arguing that its based on credit decision. Well, I was approved, and in fact issued a credit card, the same credit card I applied for. Therefore, the offers should have accompanied that card. Instead, bank of america ran my credit, reducing my credit score, knowing that they were not offering those benefits on the card.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (LA)

I canceled XXXX account and sent back the equipment within 30 days because the service did not work in my area. I was under the impression I would not be charged if i was not satisfied with service. And I had the option to send equipment back, which I did
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In our XXXX end-of-year escrow statement, SLS told us that we had a shortage in our impounded funds ( due to reassessed property tax ), and told us what our new payment would be. On XXXX XXXX, XXXX, SLS acknowledged receipt of a letter from us disputing the amount being demanded and offering an alternative payment plan. On XXXX XXXX, XXXX, SLS sent us a letter turning down our alternative plan and demanding the original amount. 
While this payment amount was in dispute, we made our XXXX XXXX payment on XXXX XXXX, XXXX. We paid {$2700.00}, which was not the new amount SLS told us to pay, but was more than enough to cover our principal and interest due for XXXX XXXX, as well as an increased amount for our escrow account. 
However, SLS did not apply the funds we sent to our account. Instead of paying first the interest, then the principal and then putting whatever was left into the escrow account -- which SLS holds as a service to us -- the entire amount was put into " unidentified funds unapplied. '' This, in turn, made it look as if we had not made our XXXX payment -- although again I emphasize that there was more than enough to cover our principal and interest -- and we were charged a late fee, which I paid. 
I have been a homeowner since XXXX XXXX, and I have never once had a late payment. My husband owned a home for four years and never once had a late payment. NEVER. 
And we did n't make this payment late, either. The issue is the order in which the funds were applied. 
When our loan was first transferred to SLS, in XXXX XXXX, both our old mortgage company and our new company paid our homeowners insurance. XXXX sent me a refund check for the second payment, and I sent it to SLS to be reapplied to our escrow account. It took three months and numerous phone calls to get that simple thing done correctly.
Consumer complaint received 2015-07-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair to me.
Consumer complaint received 2016-11-14
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (CA)

Westlake Financial previously had my car impounded previously. Your agency recovered my vehicle and made Westlake drop unfounded charges on my account. Once I got my vehicle back Westlake changed my due date till the XXXX of each moth for car payment. I set up automatic bank pay for this company. Every single month I get a late fee notice after my payment has been made on time. I can send a bank statement showing proof My credit is ruined with this company and I want it reversed and for them to stop harassing late letters. Most letters I receive are even after they have had that months payment week ahead of due date.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (TX)

I purchased a XX/XX/XXXX Ford Focus, from XXXX XXXX in XXXX XXXX, Texas, this car was financed by CHASE XXXX, I made regular on time payments for over a year to them, set up on auto pay from them. They apparently sold my contract to another company, XXXX XXXX, without bothering to notify me. I received a phone call from a man saying he was from XXXX on Friday, XX/XX/XXXX, saying he wanted money for my car payment, not knowing who he was or what he was referring to I told him no. I tried several times to contact Chase XXXX with negative results, then checking my bank account I found they had not debited my car payment, I continued attempting to contact them for several more days with the same negative results. On Wednesday XX/XX/XXXX, I was at the grocery store when an unknown wrecker towed my car without notice. I called the XXXX XXXX Police and was told they had no record of the car being reposed, however when I explained what was going on the officer told me this was a civil matter not a criminal XXXX. This Police Officer also tried to call Chase XXXX and again no answer. 
I finally was able to get hold of a lady a Chase XXXX ( 2 ) days later on Friday, XX/XX/XXXX, she stated the car had been reposed and that they had sold my contract to XXXX She, however refused to tell me where the car was or the company that towed it. and hung up on me. I tried again on the following Tuesday and she told me a phone number and initials XXXX to contact for the car, however as of this time they have not returned my calls and she refuses to give me anymore information. My wife +has attempted to contact both the repo company identified as " XXXX '', and Chase XXXX with the same negative results. 
My wife also had a vehicle financed through Chase and they sold her contract to this same company, XXXX without any notification to us, however XXXX did send her a letter, 3 weeks after payment was due to let us know they had her contract and if we did n't make a payment they would repossess her car. We did send them the payment and have continued with no other problems on her loan. 
I do n't believe this to be legal or ethical banking.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> customer sent me {$21000.00}. This is not the first time he sent me this amount, first time, on XX/XX/year> I get the money next day. Now, my bank ( wells Fargo ) being holding the money for almost 2 week with the excuse that they need some personal information from my client. And I was told I can not get the money if they don't have that information.
Consumer complaint received 2015-04-26
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (IL)

I went to use my Chase Mastercard for an online purchase. I 've had the card account for over a decade, I 've been on time with my payments, as of late, and I had more than enough available credit to make this purchase. But the card could not be processed at the time of purchase for reasons unknown. I logged into my account and there was no abnormal activity. I called customer service and they informed me that they were issuing a new line of cards and that I should receive my new card with new card number wishing the next XXXX weeks. But in the meantime, my old card number would be inactive. I asked if they could issue me the new number over the phone so I could make the purchase, but the customer service rep said she was n't allowed, leaving me unable to make this timely purchase. 
I understand their reasons for upgrading their cards, but why cancel my old card before the new one arrives? Now I am in a great deal of dismay, because of JP Morgab Chase 's incompetency.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (NC)

I have a debt from child birth that was sent to H & R Accounts in XXXX of 2015. I had XXXX medicaid and health insurance, and the medicaid took a bit longer to cover the cost. I have contacted the hospital in which the debt was owed, who state I now owe nothing - I have a XXXX balance, because it was paid. I have contacted H & R Accounts XXXX 5 times in the last few months attempting to get this removed from their records and taken OFF of my credit. I am told different things each time I contact them and I am not sure what else to do. I have disputed this credit, and the dispute did not change anything but H & R accounts came back with a derogatory remark on my credit. The hospital ( XXXX XXXX in XXXX, NC ) is attempting to contact H & R to have this removed. I need help with getting this removed from my credit, since I DO NOT OWE IT.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (GA)

My problem is that Target was supposed to issue a refund to my card or a gift card for a claim that I submitted for defective sheets. I provided all of my documentation. 5 months later and I still do not have it. A lot of people around me have received their refunds, but I have n't received mine. I have sent a certified letter to Target letting them know of an impending small claims suit for the maximum amount that the law allows.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (GA)

I have requested a copy of account details for this account with Target National Bank. Target states they sold my credit account along with all account details. Target is not reporting my full account details on my credit report and are violating my Fair Credit Reporting rights. I am requesting verification of account billing and payment history details. I have contacted XXXX XXXX the company Target says they sold the account to and they said they too have no records for this account and no longer have the account. I would like the account information deleted and removed unless Target can provide documents to prove the facts they are reporting to all XXXX credit bureaus