davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I sent my mortgage payment due XXXX XXXX, 2015 to Chase Financial Services, it was received by them on XXXX XXXX, 2 days prior to the due date. Inexplicably and without my permission, they applied the entire payment to principal instead of to my next due payment ( XXXX XXXX ). Then they recorded my XXXX XXXX payment as delinquent and applied a late fee on XXXX XXXX. I received the first notice of this when I got home from work on XXXX XXXX and found a message from Chase advising me to call them. I immediately went to their website to verify they had received my payment. It was then that I learned they had misapplied my payment. I immediately called Chase and demanded to speak to a manager. With some difficulty and more time than it should have taken I was finally transferred to someone who identified herself as in the escalation department. I explained the situation, along with my anger and frustration that they would do this. She finally admitted Chase had made an error and they would fix it. I demanded a written explanation of what transpired along with an acknowledgment that my payment had not been received late, indeed two days early. She said she would fix the situation, request the letter and call me back. The next day, XXXX XXXX, she called again and tried to excuse the misapplication of the payment since they had received two payments from me in XX/XX/XXXX, namely my XX/XX/XXXX payment which they received at the beginning of the month, and the XXXX payment they received XXXX XXXX. I cut her off telling her I did not want to hear excuses, only that the situation had been remedied. She said they were working on it but they did n't have a letter they could send me. I told her the steps they took to remedy, as well as an acknowledgment that Chase had erred and my payment was never late MUST be in writing. I then terminated the call.
Consumer complaint received 2016-09-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Received a letter from BofA on XX/XX/XXXX, dated XX/XX/XXXX, stating that as of XX/XX/XXXX they would no longer be my servicer, and that they would cease processing any payments. Told me my new servicer is XXXX XXXX XXXX, in FLA. Contacted XXXX, and as of XX/XX/XXXX they had NO record of my account. They ( BofA ) did the same thing last year after I filed a CFPB complaint. CFPB closed that complaint, stating BofA was no longer my servicer. Two weeks later I got a letter from BofA saying that they had decided to remain my servicer. Not sure to whom to direct this complaint, as BofA changes their tune each time a complaint is filed.
Consumer complaint received 2016-03-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MD)

I took a cruise on the XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. While on the cruise, I purchased artwork from Park West gallery. I purchased artwork on XXXX XXXX totaling {$250.00}. I then purchase additional artwork on XXXX XXXX totaling {$420.00}, for a grand total of {$670.00}. 
I received a bill from GE Capital Retail bank ( the bank ) in XXXX XXXX for a total of {$480.00}. The total sum was covered by a promotional deferred interest on the balance if paid in full by XXXX XXXX, XXXX. The current amount due was a minimum payment of {$25.00} by XXXX XXXX, XXXX. 
A payment of {$30.00} was made on XXXX XXXX, XXXX and successive payments of {$30.00} were made no later than XX/XX/XXXX through XX/XX/XXXX. A payment of {$330.00} was made on XXXX XXXX, XXXX, representing the full balance due. I received a statement from the bank in XXXX, XXXX, indicating that the balance was now XXXX. 
Nearly a year later, I took cruise on the XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX. Upon checking my XXXX XXXX ( XXXX ) XXXX after the cruise, I noticed a charge of {$180.00} to XXXX dated XXXX XXXX, XXXX. As we did not purchase any artwork on this cruise, I immediately contacted XXXX and disputed the charge. XXXX removed the charge, however, I received a letter from XXXX XXXX XXXX/Synchrony Bank ( Synchrony ) dated XXXX XXXX, XXXX indicating that they were investigating the disputed transaction. 
I received a bill from XXXX in XXXX, XXXX, indicating that I had a {$180.00} balance due from a transaction dated XXXX XXXX, XXXX. As I did not make a purchase on that date, I did not make any payment. Apparently, it makes no difference to Synchrony, since I am still receiving bills from them with ever increasing interest amounts for a purchase I did not make. After checking my receipts, I now realize that the bank made a mistake on the amount owed in XXXX, however, I am appalled that Synchrony tried to charge my XXXX account over a year later without authorization or notification that there was any outstanding debt.
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

For the past 6 months I have received notices from Chase Mortgage Loss Litigation willing to give me assistance on my mortgage loan account number XXXX. I contacted Chase Mortgage to ask them to cease from sending me letters that I was not behind on my mortgage I was current. After speaking with the representative informed me their were no reason for me to have gotten those collection letters. I told them I did not want to look high risk for a trigger for my loan to be transfer for servicing or sold. My loan has been in good standing for one year now and there should not had been a trigger for my loan to look as if I was a high risk to foreclosure. Well because of this erroneous collection practice my loan as been transferred or sold the loan servicing rights. That 's not fair and I do not want my loan to be transferred for this reason. Please see attachments. I am not in foreclosure and am not behind on my mortgage for this property. Please avoid trigger to loan servicing. Please assist.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (NC)

I had an XXXX XXXX mastercard with Barclay 's Bank, but upgraded to an XXXX XXXX mastercard. Barclay 's closed the XXXX XXXX account, but in XXXX I was notified that I would be issued a credit to the XXXX credit card. I assumed that I would be issued a check or the credit would be " rolled '' into my new XXXX XXXX credit card account. After receiving a second billing statement with a credit balance on the XXXX XXXX credit card, I called Barclay 's Bank. The first agent told me the account was closed and she was unable to issue me a check. She told me the credit balance would automatically be " rolled '' into my new account, but could n't explain why it had not already been done " automatically. '' I had to speak to an account specialist, and 25 minutes after my initial call, I was told the credit would be moved over " manually. '' Barclay 's Bank made it difficult for me to receive my refund and blamed the difficulty on computer glitches.
Consumer complaint received 2015-11-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

On XXXX/XXXX/14 my wife was in XXXX. I had called her insurance company, XXXX XXXX, asking them what I could do. The representative told me to take her to the Emergency Room and not to worry because it would be covered under her plan. 
About a month or two later we started getting notices from the ER billing agency that the insurance company was denying the claims, but no reason was given. 
I kept telling them to please contact the insurance company to get the reason, and regardless, to have the recorded call audited for the representative telling us the service would be covered. I also contacted the insurer to have them audit the call and get this settled. 
No one contacted me back from either the billing agent or the insurer. Next thing we knew we received a letter from a collection agency, Transworld Systems , Inc., that we owed the money, and again, no explanation. 
These calls are recorded for a reason and this was one of them. I was TOLD to take her to the ER and that it would be COVERED. Now, the bill is in our laps and no entity is taking the initiative or responsibility to audit that call.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

My Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer.
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a bank account through Capital One 360. Capital One 360 decided that they wanted to speak to me about my account. Instead of contacting me through the email address that they have on file they instead froze my account, prohibiting access to my funds. My account is in good standing, there was no reason they should have frozen my account without my permission. I only found out that my account was frozen when I tried to pay my Capital One credit card bill through an ACH transfer. Since my account was frozen my payment bounced and I immediately received interest fees and late payment charges. I do not login to my Capital One 360 account often so I did not see the freeze that was put on my account without my permission. Upon realizing that my payment bounced I called Capital One 360 and they asked me marketing questions, as well as a few questions to verify my identity, even though my account does not have much activity and I have had the account for 12 months. I believe they froze my account to solicit marketing information from me, as they had previously verified my identity when I signed up for the account 12 months prior. I have had to spend significant time trying to get these fees reversed and I believe that freezing my account ( in good standing ) without my permission, just to obtain marketing information about me violates my rights as a consumer.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I requested to go into forbearance but I was told I was n't eligble, I tried to pay the loan off and I was told I could n't pay the loan off that I needed to keep making payments. I asked Navient if I could get lower payments due to financial hardship and I was denied lower payments. Navient would n't work with me and it 's not affordable for me to pay, then because I was denied the opportunity to pay it off the interest is increasing on the loan.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

Before XXXX 2015, I have a credit score in middle XXXX on all XXXX credit bureaus. After being denied credit I discover all kinds of wrong information on my credit profile. So I file an Identity theft report with the XXXX Police Department, in XXXX, XXXX XXXX File # XXXX ). I send the report to the XXXX major credit bureaus and the creditors. All the creditors and credit bureaus deleted the information from my credit report quickly except Experian. XXXX of the creditors told me that Experian is the XXXX that had cross referance my file with someone else with the same name. My name is XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX. My DOB XXXX ( SSN *********** XXXX. And that is the way i apply for credit and that is the way the creditor report my information to the credit reporting Bureaus. After sending Experian a copy of my ID and SS Card that tell me that they dont have no information in there database under that information. Which is a bold face lie and i told them so and that their job is to apply the information in there database exactly like the credit provider report it to them. On a credit report that I have from them is show a difference SSN and Several addresses and phone number that i know nothing about. And they refuse to correct this misinformation. This has cause me denied creditXXXX.
Consumer complaint received 2015-07-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (IL)

I have a medical bill from hospital known as XXXX ( XXXX ) account number XXXX. I been making my payment accordingly. 
The balance I have to pay to the hospital is remaining only $ XXXX to my surprise I noticed that a dept collection agency know as MIRAMED REVENUE GROUP is placing same account under collection in the amount of {$160.00} while I am still making payment to the original creditor XXXX ( XXXX ) I attached copies of the payments made to the original creditorI am requesting that MIRAMED REVENUE GROUP remove the false statement they noted on my credit reports XXXX -- XXXX -- XXXX
Consumer complaint received 2015-04-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH BANK OF AMERICA. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM 2.9 TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT BANK OF AMERICA HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED BANK OF AMERICA AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY XXXX XXXX HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH BAND OF AMERICA.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO XXXX WITH NO RESPONSE.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I transferred a balance to a Capital One credit card as part of a 0 % promotional interest rate. I want to stay on top of the promo offer and pay off the loan/balance before it starts to accrue interest. Unlike other issuers, Capital One does not make it easy to find the end date for the promo offer. It is not located on their monthly statements or anywhere on the online account center. I had to start an online chat with a Capital One representative to find out this information and they were very unhelpful.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have MISSED XXXX payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Consumer complaint received 2016-03-15
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OK)

I took a " payday loan '' from XXXX XXXX for {$600.00} on XXXX/XXXX/XXXX. I was advised that there would be a {$210.00} " finance charge ''. It was very clear to me that I would be paying back {$810.00}. They have since taken four payments of {$210.00} each, dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and today XXXX/XXXX/XXXX. I called today just to verify that this loan is paid off after today 's installment and was absolutely HORRIFIED to learn that this {$210.00} is a MONTHLY FINANCE FEE until I pay off the " principal '' of {$810.00}. This makes the interest rate unbelievably ridiculous. This was ABSOLUTELY NOT explained to me EVER when I took this loan. Please help! I have paid back {$840.00} so far on a {$600.00} loan, had I known of this deceptive " finance charge '' I never would have taken the loan. 
Also in the " truth in lending '' electronic form I sighed it showed NO FINANCE CHARGE and NO INTEREST. This was all very deceptive and can not be legal. I am a single mother working to support my kids and I feel I have been taken advantage of in the worst way.
Consumer complaint received 2016-01-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (CA)

Credence Resource Managment sent me a collection letter. I have never heard of them nor do I owe them any debt. I am disputing their attempt to collect an alleged debt under the FDCPA. I also do n't want any further communication from them, written, phone nor any other means. When speaking with them they become deceptive and hostile in falgrant violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Southern Auto Finance Co (FL)

Safco hired an attorney ( XXXX ) to collect a debt on my auto loan. I won a settlement agreement against Safco and the attorney due to illegal collection tactics.By Florida law Safco is not suppose to still be reporting late fees and payments to all three credit agencies. This has caused me to be declined for any new loans.This company is still reporting past due payment even though my car was issued an illegal mechanics lien which I had no control over. XXXX made repairs to my vehicle without anything from me in writing authorizing him to do so. Safco was contacted about this and did nothing to resolve the matter. My car was sold to someone else so why am I still responsible for this debt? Why did Safco issue the mechanic the title to my car.I wasnt issued any documentation from XXXX or Safco about my car.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

Hi, I applied for a promotion for XXXX XXXX miles after opening a checking account and following a couple of terms and conditions. They confirmed on XXXX that I met the offer and fulfilled all the terms and conditions and would get the miles by XXXX. Now they are stating for the past one month that they are investigating this. I have spoken to several people and have confirmed will get the miles, but they do n't show up.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was " opt out, '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without " opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge, and that I should have responded to the notification. To me, that 's bogus. I believe Bank of America is defrauding customers. All such unrequested charges should be " opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal.
Consumer complaint received 2016-05-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IN)

This complaint is about santander consumer usa i debated the terms of agreement and won the debate, however they reported it twice on my credit they claim they only reported it once however the XXXX still show on my report. They say that its not on my report and can not and will not do anymore.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/2016 ON XXXX WALMART CREDIT CARD SERVICES OVERCHARGED MY WALMART CREDIT CARD {$1000.00} FOR A XXXX CAR PAYMENT I HAD PREVIOUSLY MADE ON XX/XX/2016 WHICH WAS ALREADY DEDUCTED & REFLECTED ON MY XXXX & XXXX 2016 WALMART CREDIT CARD STATEMENT. I WANT WALMART TO CREDIT MY CREDIT CARD BACK THE {$1000.00}. MY BALANCE SHOULD BE AS OF TODAY {$1300.00} NOT {$2300.00}. I AM ALSO REPORTING THE WALMART FRAUD OVERCHARGE TO THE ILLINOIS DISTRICT ATTORNEY. I NEED ALL INTEREST LATE FEES AND AN ADDITIONAL XXXX CREDITED TO MY ACCOUNT FOR HAVING TO SPEND UP TO 3 HOURS ON THE PHONE WITH WALMART REP 'S XXXX, XXXX & XXXX IMMEDIATELY I NEED UP TO {$1000.00} REFUND CREDIT FROM WALMART TO MY WALMART CREDIT CARD :
Consumer complaint received 2016-11-07
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Performant Financial Corporation (CA)

I have been getting aggressive phone calls at my work and on my cell phone from a company named Performant who took over a loan I have no idea what it 's for ( I 'm pretty sure it is student loansI have repeatedly asked them to send info on what it is but they give me the runaround. If I know what it is I would be more than happy to pay it. But they are short, rude and will not work with me.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I am still trying to work out something with Ditech ... no luck,,, ,they are n't accepting my loan documents, including a tax deferral ... .and will not work with me to find a payment I can afford. When i was with XXXX, my payment was XXXX ... now with Ditech XXXX!