davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm XXXX now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. XXXX has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact XXXX. I have been pushed around between XXXX and the law firm that represents XXXX. I am unable to obtain credit due to this breakdown in XXXX 's system.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (MI)

XXXX received a credit rejection letter. I never applied for credit! My identity was stolen in the past 3 weeks and two things have happened since then, this is the 2nd. The other had 2 cards issued by another group ... I never applied for and, ready, they were mailed to ME under 2 names. (? )
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BMO Bank, N.A. (KS)

Last month after XXXX and before XXXX a voicemail was left for me on a co-workers line by a representative of BMO Harris Bank. My supervisor listened to the voicemail because my co-worker was out of the office and she gave me the message. I called BMO that day and told a representative what had happened and that I could not get these types of phone calls at work. I wanted to talk to whoever it was that had called, but after putting me on hold for over 10 minutes I had to hang up, since I was at work. This morning my co-worker hands me message slip. BMO has again called me at work and left a voicemail on my co-workers line. When that line is automatically answered it 's very clear about who you leaving a message for. It should be clear to the BMO representative that you will not get to my voicemail to leave me personally a message if you call after our work hours.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2015 my account was upgraded from a basic account to a premium account with a $ XXXX/month fee associated with it. The account is only used to pay off my Chase credit card and Chase auto loan and basically nothing else ( please see attached documents - there are deposits, a couple of checks and automated credit card payments/auto loan payments - nothing else ). Thus the account change occurred for XXXX of XXXX reasons : ( 1 ) The bank made a mistake and changed my account to the wrong type. 
( 2 ) I was not given full information about the fee structure of the account my account was moved into or I was intentionally mislead. 
( 3 ) Chase changed my account type without my permission. 

I am attempting to recover the {$450.00} in fees that were charged to my account, but believe that Chase is likely systematically moving their clients into accounts that are not in the clients ' best financial interest.
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (LA)

I applied for a Sam 's Club/Synchrony card XX/XX/XXXX for a promotional purchase for one year interest free. At the time of application, I was told I was declined. However, a week later I received a paper stating that I was accepted and should be receiving my cards soon. The only reason I applied was for this promotional purchase, which I ended up putting on another card. When I called Synchrony, I was told that if I go into the Sam 's Club and have them re-bill my new card with the purchase, I could then call in and they would apply the promotional rate. So I did this and called back Synchrony. Now, they are telling me that the promotion ended XXXX XXXX and my purchase was on XXXX XXXX, so my rate will be 23 % instead of the 0 % interest for 12 months. But my purchase was really in XX/XX/XXXX and I do n't know why I was told I was declined. The first customer service agent I talked to tricked me into thinking they would honor the promotional rate if I called back in to get it fixed. Now, I 'm stuck with a purchase at a 23 % interest rate. Had I known they were not going to honor the rate they promised, I would have cancelled the card. But I think they told me they would honor the rate so I would keep the card and be stuck with their 23 % interest rate. They offered me a {$50.00} credit as an " I 'm sorry '', but that is unacceptable given the 23 % interest rate over a year. I would like them to give me the promotional rate of 0 % for 12 months, which they promised me, which is the only reason I keep their card.
Consumer complaint received 2015-12-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-America Accounts Control Bureau, Inc. (MO)

I have asked for but have not received any sort of statement showing what I owe and to whom. I have also asked that they not call me at work but yet they continue to do so. I even provided them with my cell phone number instead. 

I have offered to submit money to this account on a monthly basis once I receive documentation of the outstanding bill. They refused to accept any sort of payment unless it was {$250.00} or more a month.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

Wilshire consumer is overcharging me. The loan was to be finished in XXXX. They do n't send me statements due to a bankrupcy I did 3 yrs ago. I missed one payment I did not know about and instead of the loan coming to an end, I owe an additional {$2000.00}. They are making a lot of extra money because of this. They are cheating me. Others should know about this deceit.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

I paid off my mortgage 4 weeks ago on XXXX/XXXX/15 and still have not received my principal payment overage and escrow reimbursement. The total amount owed is approximately {$4000.00}.
Consumer complaint received 2016-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I mailed a Qualified Written Request by US Priority Mail ( # XXXX XXXX XXXX XXXX XXXX ) to Chase ( XXXX ), XXXX XXXX XXXX , XXXX, OH XXXX. The letter requested 1 ) a copy of the complete servicing file associated with the referenced account number ; 2 ) all correspondence and documents associated with the servicing of the referenced Credit Line Mortgage ; 3 ) all correspondence and documents associated with the servicing of the referenced Home Equity Line of Credit ( HELOC ) ; 4 ) complete accounting ledger ( s ) associated with the servicing of the referenced Credit Line Mortgage. Said QWR was confirmed as " Delivered '' on XXXX XXXX, 2016 and signed for by XXXX XXXX at XXXX. On XXXX XXXX, I faxed the QWR to Chase at XXXX at XXXX which was confirmed " OK ''. I received a letter from Chase dated XXXX XXXX, 2016 ( Reference Number XXXX ) indicating that " additional research time '' is needed " because we are still pending additional research to resolve your inquiry or request. We will have an answer or a status updated for you by XXXX XXXX, 2016. '' I received another letter dated XXXX XXXX, 2016 stating " We are writing to follow up on your recent request and inform you we need additional research time because we are still pending additional research to resolve your inquiry or request. We will have an answer or a status update for you by XXXX XXXX, 2016. '' As to today, XXXX XXXX, 2016, I have not received an answer or status update on this inquiry. The referenced account is noted in Chase documents as a " servicing account '' number for the mortgage and home equity line of credit.
Consumer complaint received 2016-05-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (GA)

I applied for a XXXX loan with XXXX now known as BIG PICTURE loans i was not made aware of the extremely high interest rate of at 846 percent until after I signed the contract and received the money.i applied for this loan in XX/XX/XXXX and I have been paying XXXX dollars every two weeks toward what they call a finance fee but my loan amount is still XXXX due to them adding a XXXX dollar fee to my loan I was told by the rep that I needed to pay more money toward the finance fee so it would go toward my loan balance this has caused me hardship and I have been upset that I got tricked by these sharks I even went as far as changing my bank information so they could not get anymore of my money
Consumer complaint received 2017-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IN)

I had XXXX collections, all less than 500 $ on my credit. most are 2-3 years old. I disputed the balance, as they hospital sued me, which also shows up on my credit report. So the collections show up twice once in collections and once in civil. After complaining ALL the collections were removed and made into missed payments and current debt and not collections.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

Naviant took my tax return this year and I never got a letter stating I was in default. Nor did I get a phone call. I called and they told me I 've been in default for 3 years yet this was the first they took my refund. I live at same address have same phone number and they claimed on XXXX XXXX I told them not to call. I did n't even get a phone call! They lie and make up stuff i asked the kid if he could get the recording of " my voice " and he said he could n't. They 're a huge scam and I 'm behind in rent they took all my back pay that I owe to my landlord and I 'm going to be evicted with my XXXX year old son.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I have been repaying my student loans under the income-based repayment and REPAYE plans.  I have to recertify every year and have my monthly repayment adjusted based on my income for the year.  Until the recertification is processed, the account defaults to the standard payment amount.  

I have been begging Navient for months to process my recertification.  I called a few weeks ago to let them know my account was about to revert to the standard payment of over $2000, and I was told my application would be processed and my payment amounts would be adjusted.  I was also told what the amount would be.  That amount has not been reflected on my account, and I refuse to pay an amount that is more than 5 months' worth of payments at one time.  I have left Navient multiple messages that have gone ignored, and today they had the nerve to send me a message informing me that I am in default.  I am at my wit's end.

It is not fair that my credit might be at risk because they can't get their act together.  This happens to me every year, and it is about time that Navient gets punished for their poor service.  Please help.
Consumer complaint received 2016-05-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America ( BOA ) misrepresented certain facts, Made oral promises that they have failed to fulfill and induced me into legal action which was detrimental to my legal interests and financial future. During the pendency of my divorce in 2010, BOA representatives advised me to sign a Quitclaim Deed so that my ex-husband could keep the house and sign the mortgage modification. They led me to believe that I would be removed from the mortgage after my ex-husband XXXX XXXX has successfully paid the mortgage for a year on his own. ( I have an Affidavit signed by XXXX XXXX ). I was never advised to speak with a lawyer before signing the Quitclaim Deed. BOA then subsequently agreed to a mortgage modification for my ex-husband due to the reduced earnings in his household post-divorce. That mortgage modification was agreed to and signed by my ex-husband after the divorce was finalized. Despite the fact that I was not a signatory to that agreement, BOA has continued to hold me responsible for that mortgage. BOA has never released me from this mortgage obligation as the representative stated would occur ( I have a confirmation email to BOA rep by XXXX XXXX ). Moreover, BOA then sold the mortgage to XXXX who continues to hold me responsible for a modified mortgage I never agreed to and to which I do not hold title due to the advice of BOA reps who told me to sign the Quitclaim Deed. As a result, I have suffered financially. I have been unable to individually purchase a home and qualify for a mortgage as a result of the misrepresentation and improper legal advice provided by a non-lawyer representative from BOA Despite many years of my ex-husband paying the mortgage on his own, and despite recent attempts on my behalf by my lawyer, BOA still refuses to release me from this mortgage obligation ( absent long and expensive litigation against BOA ). Nor could a family lawyer convince the Court to force my ex-husband to refinance. Nor do I have standing to file a Petition to Partition the property to force a judicial sale ( since I am no longer on the title ). Therefore, if my ex-husband never sells the property I am saddled with financial responsibility for this mortgage for the rest of my life.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (OH)

Dear CFPB, I am writing this letter to express my utmost disgust towards the blatant disregard of the law by a certain company. This company has been violating me for the past 6 months, despite me having a paid lawyer, and calling me personally even though they are aware of my attorney 's presence. This is a clear violation of the laws that are in place to protect me as a consumer. 

I am tired of the harassment that I have been dealing with, and it seems like nobody has considered my safety, time, money, or health in this matter. This is unacceptable and shows a complete lack of respect for the laws that are in place to protect consumers like me. I should not have to live in fear. 

When Wells Fargo called me not even 10 minutes after my complaint was sent, it caused me more stress and anxiety. It also let me know that they have no intentions of doing the right thing. I am asking the Consumer Financial Protection Bureau ( CFPB ) to step in and do what is fair according to their laws. 

I would like to be compensated under the laws provided to me. This company needs to be held accountable for their actions, and I am confident that the CFPB will do what is necessary to ensure that justice is served. I urge you to take swift action against this company and ensure that they are held accountable for their actions. 

I have to stand up for myself when I know that a fraud has been committed against me. I will not pay for something that was gained by deception, deceitful tactics, harassment, nor fraud. Im asking for your help. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MI)

Received a " XXXX XXXX  '' Citi credit card ( ending in XXXX ) on XX/XX/XXXX and looked similar to my other Citi " Thank you, card. I didn't apply for it, but due to the similarities to my other card, thought it was being transitioned to this new card instead. I completed the activation via the website, but was prompted to contact the fraud dept at Citi. 
Upon doing so, i began asking questions to the rep about the card and truth coming out that someone had called in from Pennsylvania on XX/XX/XXXX to apply for the card. When questioned if identifying information was requested from the applicant, I was informed that it had not been. This is a new product for CITI, which does concern me that new products are pushed heavier and that my identification was comprised along with credit report run without confirming the identity of the false applicant. 
We left the XXXX long conversation that they would close out the new card and was provided an XXXX for an investigative team that i was to call the next day between XXXX. 
On XX/XX/XXXX at XXXX, i called the number provided of XXXX, which was a fax number. 
Upon calling into CITI, I found out that the new card that i did not apply was never closed out and that an alternate card that I have, CITI Thank you ( ending in XXXX ) was closed out instead. We will now have to wait XXXX days for a team to investigate and approve that request for that card to be reopened, all while the new fraud to be closed out. I have not been made aware whether charges were made on the fraudulent card or not, as no-one was able to answer that question. 
CITI admitted that nowhere during the process of the false applicant calling in on XX/XX/XXXX that the same level of identification questions were asked and that it wasnt a red flag that the new applicants address was somewhere random in XXXX which ive never lived in. 
I have filed a police report and will be uploading the complaint to the credit bureaus. 
I have also been made aware that CITI has no intention on removing the inquiry from the credit bureaus or requesting that it be deleted, as that is my problem, per the rep that i spoke with on XX/XX/XXXX. This level of incompetence is a major burden to me and compromises my financial affairs.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've spent XXXX hours with Bank of America with no solution. At XXXX lastnight, my account was positive and this morning I get hit with an overdraft fee. A merchant charge came through in which I did not authorize as well. I simply asked for a courtesy fee of XXXX to be credited since Bank of America XXXX are deceitful and leading the customer believing their account is fine. I also verified with the supervisor that my account has never been in overdraft and they still would not provide a courtesy credit in which the branch confirmed they could since I have always been in good standing. I was hung up on by another supervisor and repeated myself several times. Bank of America does not care about their customers. I do have documentation as well that I will be mailing to their NC office.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been receiving XXXX since XXXX, I've been on XXXX since XXXX XXXX XXXX Medical Bills have been covered since XXXX To this date I have reports on my XXXX XXXX the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the XXXX XXXX, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local XXXX... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

I am attempting to apply for another parent plus loan for my son in XXXX. My fear is now because of this situation he will fall behind a semester or two if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing XXXX XXXX. I reached out to them to get information. After second time calling I was told it was from Paypal. I tried disputing but was denied. I called Paypal to gather information and they don't have any information that is correct to any type of transactions I have ever done. paypal couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint as my right under FCRA law and fair credit and billings act have been violated for this account XXXX XXXX XXXX {$8300.00} Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all three bureaus report to be different. Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all XXXX  areas.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.