davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (UT)

Hello CFPB, I would like to bring to your attention the harassment policies that the CHASE bank has used against me. I opened a chase account providing all information which was asked at the branch making a copy of all documents as well. however they hit my credit for a credit card which they never gave to me and sent me a letter that i need to submit documents which i did again by going into the branch at XXXX UT. they again kept sending me the same letter until i asked them to stop by going in the branch again. 

now they again sent me a different letter that they are closing my chase account without prior notice and gave me the excuse that i dont have an ssn but i have been submitting taxes for the past 3 years on time and i gave them my ssn card to make a copy 4 times. they never sent a notice letter before and directly closed my account due to which i didnt get my direct deposit. these criminals at chase need your audit as they are doing frauds with customers like me who we have to suffer
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (FL)

I left for XXXX en route to XXXX School on XXXX XXXX 2015. I believed my Chase credit card had been completely paid off, however there was a pending charge for {$30.00} that did not post until I had already entered XXXX. As XXXX is an " immersive '' environment that prohibits access to the internet, I did not know about the pending charge or the subsequent " late payment '' levied on my account until after XXXX. I now have a late payment mar on my credit, the only negative record on my credit history. 
I reached out to Chase as well as the credit reporting agencies to explain the nature of what I thought was a minor issue, but all of the involved parties have declined to address my concerns even after I provided documentation of the timeline described earlier. It appears to be a simple fix for an incredibly small amount of money that continues to hold back my credit rating.
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OR)

I have a student loan now serviced by Navient. 
Navient just sent me notice they have automatically decreased my payment amount by half -- this is without my consent. 
In effect, Navient is trying to double the length of my repayment AND charge me the related interest. 
Navient offers no way for me to manage the payment amount through their web site or through their automated phone system. I can LOWER my payment through these automated systems, but I can not restore my original, higher payment amount.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

On XXXX XXXX, 2016 we received a past due notice from Huntington National bank XXXX, Ohio concerning our car loan account # XXXX XXXX XXXX XXXX XXXX. Because we pride ourselves with prompt payment and meticulous records we knew that we had not missed or been late on a payment. Upon calling the bank { ( XXXX ) XXXX } I got the sense that they are as certain that we had made a late or missed a payment as we were that we had not. Here 's what happened. Upon review of our records and checking with our bank we discovered, as the attached ledger sheet shows, that we had issued a check ( # XXXX ) of {$230.00} on XXXX/XXXX/2016 for the XXXX/XXXX/2016 payment. You will notice that there is a check mark beside the amount XXXX to last column on the right side of the ledger sheet which indicates if a check has been cashed. This ledger entry is highlighted in yellow. There is no check mark beside the car payment and our bank ( XXXX ) confirms that it was not cashed. Also enclosed is a scan of the depleted coupon payment book for that account with XXXX shown as detached indicating that it had been sent. We canceled payment on check # XXXX, at personal expense, yesterday XXXX XXXX, 2016. We realize that we still owe the XXXX payment and are prepared to reissue payment ; however it concerns us greatly that this check was lost or misplaced and not applied to our XXXX payment and Huntington National bank has just now, in XXXX, discovered that fact and sent us a late fee demand and will report it to credit agencies.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX, XXXX, I purchased a used vehicle from XXXX XXXX of XXXX, in XXXX, OH. Three days after purchase of my XXXX XXXX XXXX XXXX service lights came on when I started it. The service lights were XXXX control. I immediately contacted my salesman XXXX XXXX XXXX XXXX making him aware of the issue. After communicating via text messages, I took the car in for servicing. This was only the beginning of the issues I 've had with this vehicle. 
My wife and I have always leased new vehicles. I purchase a second vehicle to prevent from going over my miles on my current lease. XXXX XXXX stands on the premise of servicing the community where their dealerships are. I served on the XXXX XXXX XXXX, I wanted to make a purchase near where I live. 
I 've had several issue with this vehicle, as of today XXXX XXXX, XXXX the car is not operable. My father and I tried to jump the battery with no results. It appears nothing was done to this vehicle at trade in. I understand the vehicle was purchased " AS IS - Without Warranty '' but never did I expect to have issues 72 hours after purchase that have proven to be ongoing and dangerous. I have n't had the vehicle 6 months. 
Please review all attachments to include my attempts to resolve this issue with the dealership. I 'm the XXXX, therefore I understand how some things happen. I 've invested a lot of time, money and suffered inconvenience. I contacted the management at XXXX XXXX trying to give them opportunity to make this right. No one has felt it necessary to follow through. 
I 'm hoping you can help get this resolved. Had I purchased the car from a private owner, I would have expected " Buyer beware. '' Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I 've had two refinances with Chase Bank. They frequently call ( people not known to me from the bank in different departments ) calling to verify information and first ask for social security information. This is despite their own websites stating : " Do n't give out financial information such as checking account and credit card numbers -- and especially your Social Security number -- on the phone unless you made the call and you know the person or organization you 're dealing with. Do n't give that information to any stranger, even someone claiming to be from Chase. " https : //www.chase.com/digital/resources/privacy-security/security/how-you-can-protect. 

This process has delayed closing of loan applications and causing additional payments in interest and frustrating overall. 

This process is systemic.
Consumer complaint received 2016-11-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (CA)

I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in high school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX in XXXX XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
Consumer complaint received 2016-07-19
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was told by the bank I needed to be 90 days delinquent to modify my mortgage and my line of credit. I stopped paying both loans in XXXX XXXX. The property is worth XXXX and I owe XXXX. After speaking with an attorney we decided we needed modification. Bank of America did not provide me with corrected XXXX until 5 months ( XXXX/XXXX/XXXX ) into my delinquency. They provided a printed form with the wrong address on it which the IRS would not accept. I returned the correct form the same day I received it. They started writing off my loans less than 30 days later.
Consumer complaint received 2015-06-29
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Onity Group Inc. (IL)

ON OR ABOUT XX/XX/XXXX I TOOK MORTGAGE OUT WITH XXXX XXXX XXXX LOAN NO. XXXX AND IN THE PROCESS TRANSPOSED NUMBERS AND IN ERROR CREATED A NEW LOAN TO SELL TO XXXX, XXXX & XXXX XX/XX/XXXX. 
THE GOOD NOTE # XXXX AND BAD LOAN NO. XXXX BOTH ACCOUNTS APPEARED ON MY CREDIT REPORT AS DUPLICATE, AND DISPUTED THIS PROBLEN WITH ALL CREDIT BUREUS WITHOUT CORRECTION AND VERFIED VIA FURNISHERS TO BE CORRECT XXXX TIMES UNTIL S.O.L. EXPIRED ON XX/XX/XXXX AND FINALLY DROP OFF AND WHEN SOLD OR TRANSFERRED TO OCWEN LOAN SERVICING LOAN XXXX REPORTED AS DUPLICATE TRU THIS DAY.
Consumer complaint received 2016-07-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

I had agreed to a specific payment schedule which was outlined in my retail contract ; upon lien transfer to Chase Bank ( which I had n't even known would happen, and did n't sign any forms for authorization ), my payment schedule moved up an entire month, meaning they expected about a thousand dollars for my first payment. After providing my copy of the signed contract outlining what had been agreed upon, they completely disregarded it. I have been close to defaulting ever since, with all payments being a hair from a month late. Consequently, my credit had been impacted.
Consumer complaint received 2016-06-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (CA)

On XXXX/XXXX/2014 we went to Home depot and purchased granite for our counters. I made payments on this account monthly with no problem no late payments and I was paying this on the home depot website. As a year came around we received a call from the store clerk that they wanted for us to come in so they could give us our money back and cancel the order. I was ok with that because we have been really busy this past year and was not able to get the kitchen rebuilt. When we went to the store XXXX of the customer service attendants put the money we had paid to the loan back on our bank card. then a few weeks later I received a call from this company called green sky. they said I was late on my payment I was n't sure who they were and they explained they were the ones funding the loan for home depot. I said I was not aware of payment due. They then called home depot and returned to me and said every thing was good If I had any questions call home depot. I checked the web site later and there was no balance. I never heard from anyone again. In XXXX I tried to refinance and found that green sky had placed a derogatory statement on my credit reports and stated that I missed payments. they stated that there was a balance due because home depot should have paid them instead of me and they would return to me what was due me. I paid the balance they requested immediately. They said they would remove this from my credit report and they did not. My credit score dropped about XXXX points I did nothing. Home depot was the one that caused this I had nothing to do with it. I tried to talk to green sky but they refuse to do anything.
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: Privacy — 
Company: Synovus Bank (IN)

About two weeks ago I merely started an online application with First Progress, a XXXX secured credit card company. I did not finish the application. I did not make a deposit. I did not fund a secured card. I did not open an account. I did not receive a credit card in the mail. Yet I found out that First Progress intends to send the private and personal information in the application I did not finish to the credit reporting agencies. This is a breach of privacy. Especially since I did not finish the application, did not make a deposit, did not fund a secured card, did not open an account and did not receive a First Progress secured credit card in the mail. When I finally managed to find an actual working phone number for First Progress I explained the situation and I was told that they will forward my information to " only the XXXX major credit reporting agencies '' anyway. The XXXX time I called I asked for an email address to contact them about a serious privacy issue in writing, and I was told that First Progress does not have a customer service email address but I could have the number to someone else to see if they knew the email address because " they 're, uh, they 're like corporate. '' That number turned out to be a fax number. I called back, got nowhere and ended by informing them of my decision to file a complaint.
Consumer complaint received 2016-12-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WI)

Credit reporting error. I had a balance in XXXX XXXX and paid what I was told the payoff amount was. Then Santandar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERPAYMENT! I disputed the XXXX late this past summer, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.
Consumer complaint received 2016-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I was a victim of identity theft and noticed a collection from Central Financial COntrol/syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial COntrol/syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX to pick up silver jewelry samples that were promised to me to be completed on this date. The company told me I had to pay {$550.00} more in order to receive the silver models. I paid on my Citicard and was told to return the following day to pick everything up. When I went back the company refused to release the silver pieces. 
When I returned to the US, I was sent a contract from the company stating they owned everything. I have not received anything that I paid for. This was fraud by XXXX XXXX.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX I was victim of identity thefth. The impersonator opened accounts with XXXX, Best Buy, XXXX Macys & Bloomingdales. At this point only Macys and Bloomingdales have n't take care of the situation, I already have a 30 days late payment affecting my credit. The are not able to provide a claim or case number, on XXXX XXXX I sent an affidavit stating I did n't open the accounts, I have made 27 calls and get different answers, I sent emails, Direct Message via XXXX and nobody can give me an status, everyone is giving the run around. 
I am putting to much time and energy in to this and I am the victim, the failed from the beginning accepting a fake ID to open accounts under my name. The perpetrator is even arrested in the XXXX XXXX Jail system. MAcys and Bllomingdale did n't even provided information, only Best Buy provided camera footage. All Im asking now is at least a temporary credit until they close their investigation, if there is one.
Consumer complaint received 2017-03-02
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited XXXX {$1000.00} United States Postal Money Order to my Bank of America account ( XXXX ) with total of {$3000.00} on XX/XX/2016. Bank of America debit {$3000.00} from my account and closed it on XX/XX/2016. I spoke to the branch manager XXXX XXXX to find out why my account was closed. He said Bank of America did not received money from United States Postal Service but according to United States Postal Service, these XXXX money orders were cashed by Bank of America on XX/XX/2016. I have been calling Bank of America for last six months about this issue but they were not returning my calls. The Bank of America reference # for this case is XXXX. I have attached communication letters from United States Postal Service and Bank of America.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (AL)

After having been a victim of ID theft, Home Depot Credit ( CITI ) closed my account without authorization, and after reading terms and condtions this is not a disclosed action that they commited. I have been a longstanding client with perfect pay history for over XXXX years. the issue is that this is not something that their terms and conditions disclose can be done, and therefor i would like my account reopened
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

My wife and I filed a Complaint with Macys Credit Card ( Case number : XXXX ) which was successfully resolved ; however, now it has come to our attention that Macys has taken action against my wife and I and have closed our Credit Card account without warning and without justifiable cause and this has caused us great harm in terms of our availabile credit and credit reporting ; therefore, we want to know why Macy 's has taken this action against us due to our original complaint the reason for closing our account when our original complaint did not mention anything of requesting to close out our account and just to give us back our money owed.
Consumer complaint received 2016-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

This is in reference to my complaint disputed and submitted via CFPB in XXXX 2015 regarding an account that I have just found out is now sold to Syndicate Office Systems. The disputes complaint number initially was XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and that I should check my credit because accounts may have been opened in prior years to the year that they discovered the ID theft. When I checked there was indeed accounts that I had not opened and this is one of them. I was then advised of what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago to Central Financial control and have resent the information to you again.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VA)

I have the Citi Thank You Premier card and wanted to transfer some Thank You points to XXXX. When calling, their agent asked for my XXXX member number as well as my password. 

I refused to do so as this would mean the agent would be able to access my XXXX account online. After complaining about this to Citi, the reply from one of their Security Specialists was " in regards to your XXXX ID and password, we are able to ask for that information over the phone at this time. '' Although he confirmed that he 'd be escalating the matter further, it 's deeply concerning that their policy is to ask for a customer 's username and password to an account over the phone.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I had a Home Depot credit card for which is being issued by Citibank N.A . for which I am disputing the balance of {$100.00}. For many months I am getting statements that I owe money for a credit card for which I had but is closed now for which I called Citi Bank last year several times disputing the interest charge that started out to be about {$7.00} or so and every month I was getting charged interest and late fees. No matter how many times I tried to dispute this balance I was not able to resolve the issue. Some time last year I participated in survey for which I gave negative feed back for which Citibank was not happy being I then received an email of which had incomplete information. I responded back and received another email. I called the representative several times left messages being I was not able to reach her. I finally received a call back from another representative whom I could not talk being I was busy trying to take care of something serious. when I tried to call back unfortunately, I had misplaced my documents with the telephone numbers and the names of the representatives. In XX/XX/2016 I left for XXXX due to a family emergency and while there I received two telephone calls from Citi Bank for which I missed but called them back after the second call. I attempted one last time to resolve the billing dispute but unfortunately the representative refused to resolve the problem. I spent about 15 minutes or so on the phone for which my cell phone carrier had charged me for those calls and they were not cheap calls. Recently, I pulled my credit reports for which had negative reporting from Citi Bank for not paying the balance that started at {$7.00} and now has reached {$100.00} being today I received a collection letter from XXXX XXXX XXXX demanding this balance. I am sorry but I will not pay Citi Bank not one dime being they have refused repeatedly to resolve this problem months ago. Had they resolved this matter months ago I would not now have to file a complaint against Citi Bank who is ignoring me and my complaints. They have destroyed my credit of which is really uncalled for. I expect them to remove all the negative reportings and wipe out this balance. If Citi Bank does not resolve this matter immediately I will then have no choice but to take legal action against them of which is going to cost extensive legal fees. I am really upset and frustrated that Citibank destroyed my credit after I have been working very hard to keep it in great standing. Please investigate my complain. Please feel free to contact me if you have any questions in regards to this matter. Thank you Ms XXXX XXXX