davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lennar Financial Services, LLC (TX)

I bought a home with Lennar Homes back in 2022. The house I purschase had a special $ XXXX off and 3.99 % apr. The loan officer waited until the day of closing to change the interest rate to 4.75 %. This should be against the law and this was only done because I was XXXX. 

Also my one time payment of $ XXXX was not added to my loan. 

XXXX is know for screwing XXXX customers over when doing home loans or making it very difficult to close. The loan officer was report but was not fired. He never communicated good nor would anser any questions. He made me send the same documenst over and over trying to confuse the process.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BARCLAYS BANK DELAWARE (AR)

XXXX ) XX/XX/year> statement received from credit card company. Credit card company declares in statement that " in light of changing market conditions the APR associated with consumer 's credit card does not reflect the cost of providing me credit including the costs related to my credit risk. '' XXXX ) Credit card company also declares in statement, " In making the decision to increase your APRs, we relied on information about you that was provided to us by XXXX. More detailed reasons why you are receiving these rates are contained below in the ( key factors that adversely affected your credit score ). '' XXXX ) Credit card company declares and threatens to close my account if I reject their added provision to ARBITRATION by willingly forfeiting my right to litigate any current or future claim in court effective XXXX XXXX Credit card company states that this ARBITRATION provision does not apply if I am subject to the protections of the military lending act.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

I requested at the start of my Loan that my payment be set to the first of each month because I get paid on the XXXX XXXX by XXXX VA XXXX a XXXX. They refuse to do so. Because of that when I fell on hardship in XX/XX/year> and on I wasn't able to pay my Loan on time. I was homeless Vet. As of this date I have paid my Loan on time and has sent more than the regular payment. I ask them to remove the XXXX over XXXX days late payment that they cause me by setting my date to the XXXX of each month which continue to cause me hardship by and stress to pay it. Am not satisfied with their investigation of this complaint they can give me satisfaction by removing the late payment and changing my date. They are doing this because am a XXXX person if I was XXXX  they would help them. They don't help XXXX XXXX
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ME)

I took out private loans with XXXX XXXX to attend XXXX. XXXX lied to me about many aspects of the education, including, but not limited to, quality and cost. I have filed a federal Borrower Defense to Repayment application for my federal loans. I also filed a School Misconduct Discharge application with Navient for my private loans. Navient denied that application just days after I submitted it, simply because my loans had been consolidated. But XXXX XXXX was the one that advised me to consolidate my loans, just a year after graduation. XXXX XXXX has held my loans this whole time- they disbursed them, collected on them, consolidated them into one XXXX XXXX XXXX XXXX XXXX , and continue to collect on them. Yet they denied my School Misconduct Discharge application just because they consolidated the loans that they held. This is unfair and deceptive- XXXX XXXX had ample information about all of the wrongdoing XXXX committed when extending the loans, collecting on them, advising me to consolidate, and now, when I applied for a discharge. It makes no sense that they can now deny my School Misconduct application just because they consolidated loans that they held. I am working on filing an appeal of this denial with Navient.
Consumer complaint received 2024-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WV)

I have been dealing with XXXX XXXXXXXX since XXXX. The interest rates are outrageous. Everytime I renew my income repayment plan my bill INCREASES. I have paid OVER DOUBLE the amount of interest than what the original loan was for. If I want to put my loan in forbearance it is required that you pay {$XXXX} per loan. When you talk to representatives they do not offer other options about how to lower the rates.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc (OK)

This company charges outrageous and predatory fees. Sets, as an example, your payment to be XXXX, when you pay it, XXXX or more is applied to interest only, with barely anything going to the principle, keeping you forever locked into their scam. It is impossible to get out of their scam without paying the total balance in full all at once. Most end up, if they commit to the payements, with more owed to them than the original amount loaned to them all because of predatory fees.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

I have federal student loans through EdFinancial. I was previously enrolled in an income-based repayment plan, and was transferred to the SAVE plan. Not much information was shared and when I reached out with questions on whether I was properly enrolled in the plan and what was happening with interest accrual, I did not receive a response for 176 days. 

Since then, it seems to be functioning fine. However, I received notice on XX/XX/XXXX that the terms of my repayment are changing. There was no additional information provided on WHY the amount is changing, and no response when I contacted customer service. My EdFinancial account now indicates that my loans are in " Administrative Forbearance '' with the note " Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX. '' I was never provided notice that the loans are in forbearance or any reason why this is the case. 

I have also been enrolled in autopay and have been granted the interest rate reduction since re-payement restarted. However, my account now states that the interest rate reduction is " suspended. '' I am likely being charged incorrectly and interest is accruing incorrectly. 

Previous communications from EdFinancial indicated that I did not need to re-certify anything until XXXX, so I do not understand why there are changes to anything on my account. EdFinancial does not provide any details or any information to customers, and they do not respond to inquiries for months.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (DE)

I have been experiencing fraud activity across multiple channels of my account and notice I had two inquires added as I get alert when there is a change in my report. Please have the below inquires removed from our report immediately as they are not recognizable or valid. JMPC card services and XXXXXXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

Date of Incident - XX/XX/year> - XX/XX/year> - Issue - Failure to address cancellation request, overdraft of account, and failure to return funds in a timely manner On XX/XX/year>, I paid {$9700.00} for my Citi AAdvantage Credit Card and received confirmation # XXXX. Since I had already made this payment for the XXXX billing period, I attempted to cancel an autopayment of {$1900.00} scheduled for XX/XX/year>. The Citi AAdvantage website did not allow me to cancel this payment online and instructed me to contact customer service for assistance. 

On XX/XX/year>, I called Citis toll-free number to cancel the autopayment. I was informed that the autopayment for XX/XX/XXXX had been canceled and that there was no payment scheduled, so the {$1900.00} would not be deducted from my account. This was confirmed by the supporting documentation stating that AutoPay amounts would be adjusted for any payments already made or credits received. 

However, on XX/XX/year>, at XXXX XXXX, I received a notice from my bank indicating that Citi had incorrectly withdrawn {$1900.00} from my account, resulting in an overdraft. 

I immediately called Citi and spoke with a representative named XXXX ( Agent ID XXXX ). XXXX acknowledged that Citi had made an error but could not see the deduction on her end. She promised to call me back in two days to ensure the funds were returned. Unfortunately, XXXX was unable to provide any ticket numbers or transaction data for reference. 

On XX/XX/year>, I followed up with Citi as XXXX had not returned my call and the funds had not been restored. I was told that the {$1900.00} withdrawal had not yet posted on their system and was advised to call back around XX/XX/year>. Both my bank statement and the Citi Cards activity statement showed the transaction, confirming that the funds had been removed from my account and applied to my Citi card account. Despite explaining the urgency and stress caused by the incorrect deduction, Citi refused to expedite the matter. I also requested that my credit card be reactivated to allow me to purchase essentials, but this request was denied.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (TX)

I have a loan with PHH Mortgage since XXXX when we got our house. Since then, we enrolled into their program called XXXX, where my payments are taken twice a month ( half of the amount on the XXXX, half of the amount on/around XXXX of the month ). I got a notice today ( XX/XX/XXXX ) on my email that my loan was overdue for more than 39 days. I have not revoked nor made any updates to the XXXX XXXX. I got enrolled into this program strictly to not worry about making payments or going default on my loan. PHH Mortgage is not an easy company to work with. They seem to be disorganized and not have efficient controls in place to ensure ACH requests occur as designed. I have automated payments so I dont have to keep worrying about manually making payments and confirming they are occurring. My bank would be the first to let me know if something is wrong such as no money in the account to satisfy the ACH. This is very unsettling. I called them today and the first thing they did was attempt to collect payment for over {$3000.00}!!! Then they apologized and said the amount was for both XXXX and XXXX. They said they would need to research to see why ACH is not working. They are probably doing this to other customers and initiating foreclosure on customers for no fault other than their own inefficiency.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I exchange a check on friday, XX/XX/XXXX. 
On Monday, XX/XX/XXXX, they refunded me only part of the check, subtracting {$300.00} dollars. 
Monday of the same day i went to the bank to ask for an explanation about my lost money. they told me check was in hold, that it will be ready yesterday XXXX or friday XXXX XXXX but today XX/XX/XXXX of XXXX  they are telling me they are not goint to refunded me any money cuz i have to make a report.
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (TX)

Was set up on auto pay, then they kicked me off auto pay, and didn't realize it for 3 months, they called for 3 months back payment, but would not take th3 payment over the phone, it had to be mailed in, and all future payments would have to be mailed cause I was on probation till XXXX of XXXX... so mailed back payments and every other month there forward all with bank checks... the last 2 months were rejected for to much writing on the the check, numbers like account #, address it's for, name, month it's for. All payments before this was made, but then stopped... so I sent in another one with everything right and put the info on a post it note, they denied it again ... they won't tell me how to pay and will not take payment any other way than thru the mail...
Consumer complaint received 2024-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

XXXX XXXX XXXXXXXX checking account was closed after submitting complaint XXXX & resulted in bank not submitting mortgage payment to XXXX XXXX Lakeview Loan Servicing on time due to unauthorized change to overdraft protection and removing account funds. On XX/XX/year>, I saw the XXXX mortgage payment recorded on my account with next payment due in XX/XX/year>. I used myloans.net to make a payment of {$100.00} to my principal to stay ahead. On XX/XX/year>, I discovered an error that my XXXX mortgage payment and my {$100.00} payment were reversed. LakeviewXXXX then assessed a penalty of {$30.00} prior to mortgage statement due date of XX/XX/year>. LakeviewXXXX lists the fee as {$21.00} if payment received after XX/XX/year>. Lakeview/XXXX  needs to remove the {$30.00} fee & follow their own fee structure listed on the mortgage statement. I also need to know why they reversed a {$100.00} payment from XXXX XXXX. Thank you for your time.
Consumer complaint received 2024-09-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OR)

On XXXX I made a transfer off my ReliaCard in the amount of {$100.00} through XXXX XXXX XXXX But instead of just one transfer of {$100.00} us bank relia card posted it twice to my account and essentially stole {$100.00} from me. They forced posted the authorization for the {$100.00} that XXXX XXXX XXXX authorized and finalized it instead of letting it drop off once the other authorization was finalized. They told me to contact XXXX to get this resolved. I did contact XXXX  and they have told me that they only sent XXXX authorization for the {$100.00} transfer and that its a bank issue if they forced posted it twice. All I know is I am now out of {$100.00} and I have bills to pay, which I am not happy about.
Consumer complaint received 2024-09-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (WY)

I filed complaint XXXX on XX/XX/XXXX and received the following response : " Hello, This account has been disputed along with many others we have in our office and each time we have provided the needed information to validate the debt. We have also received letters that demanded we cease communication so are not able to reach out to debtor to discuss account. This account is several years old from XXXX and has followed the correct steps in the collection process. The hospital attempted to bill insurance at the time of service and was denied and then tried several times to reach out to patient with mail return and disconnected phones. We would be more than willing to discuss the account with patient in detail as needed. Thanks XXXX '' This response contains numerous blatant lies. Beginning with " This account is several years old.. '' XXXX does not classify as " several years old. '' and in-fact neither of the accounts with XXXX XXXX XXXX are from XXXX as verified with XXXX XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX. 

The second blatant lie is " The hospital attempted to bill insurance at the time of service and was denied and then tried several times to reach out to patient with mail return and disconnected phones '' I spoke with XXXX XXXX on XX/XX/XXXX at XXXXXXXX XXXX and XXXX XXXX XXXX that the hospital NEVER billed the insurance company for either my XXXX or XXXX bill. The collection agency lied in writing to the CFPB and myself. 

The Fair Debt Collections Practice Act prohibits debt collectors from making false statements. Importantly, people can sue debt collectors who break the law by lying or providing wrong information which it is very clear CPI has done and continues to this day to do.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IL)

The company CBE GROUP has place a debt on my credit report that is not my debt. the account was done fraudulently. The person representing this company called me several times and i let them know i don't live at the address that are talking about and this is not my bill. 


The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My debit card was lost and two fraudulent checks were deposited that I did not deposit. After the checks were on hold my account was flagged and closed. I called chase and they told me was closed and didnt give me any more information and said they couldnt reopen my account. I wanted to see if they can check cameras of their atms of where they were deposited to see who deposited the checks and was told to file a police report
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CO)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. Barclays # XXXX
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

On XX/XX/2024, around XXXX XXXX XXXX, I received an email from XXXX XXXX stating that someone recently checked my credit. I immediately logged in to my XXXX XXXX account through the app on my phone. In the alert sections there was a credit alert message with the information for a credit report inquiry with the following details : Source : XXXX Alert Date : XX/XX/2024 Inquiry Date : XXXX Name : Capital One I called my bank. I told them that to check and review the inquiry because I had never authorized anyone to run a credit report. They said that will open a ticket, flag my account for potential fraud, and review everything from their end. I also called Capital One and reported the issue. Capital One said that will run an investigation. Both institution advised to report this fraud to FTC and local police for potential identity theft.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

The last week of XXXX i logged online to transfer my savings account into my outside checking account in order to buy a car. On tuesday XXXX the money was in my XXXX checking account but on Friday XXXX Citibank pulled the money back over drafting my account and claiming my account was frozen. I called XXXX and they were unable to provide me a solution to get my money out of the account in a reasonably amount of time with out any resonable solutions on how to unlock the account. They wanted me to go into a branch that I would have to fly to or Mail all my personal information to an address with a notarization just to unlock the account and they would not advise me on how long that could take. I then found another number to call the executive response unit XXXX where they gave me case number XXXX but that can take 15 days to receive a response.