davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NC)

I worked full time for a qualifying public service organization from XX/XX/XXXX- XX/XX/XXXX. Fedloans Servicing refuses to honor payments made during this time for Public Service Forgiveness because I consolidated a XX/XX/XXXX XXXX along my previous consolidation done previously when XXXX serviced my loans. XXXX did not tell me that this would put my future with XXXX XXXX XXXX XXXX in jeopardy. I realize that this is not your problem, but this is what happened to me. Now, I am being made to pay for a mistake made by XXXX. They even denied counting my time to the Ombudsman. 
Representatives from FedLoan Servicing told me is that a new consolidation was created when I consolidated my new loan taken in XX/XX/XXXX with my existing consolidated loans ( XXXX was servicing the loans at the time ). As a result, they will not count any of my payments time that I worked for a public service organization from XXXX ( my loans were consolidated at that time ). I let them know that I was not told by XXXX that this would jeopardize my public service loan forgiveness. I remember telling the XXXX customer service representative that I needed to consolidate my XX/XX/XXXX loan with my existing consolidation so that I could get credit for my time worked for a XXXX from XXXX. So, I proceeded with the consolidation paperwork not realizing that I would be in this situation. I am not trying to get out of paying. I just would like the time to count as I am working for a XXXX.
Consumer complaint received 2021-02-12
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (TX)

Company : General Revenue Corp Collection reported on XX/XX/2019 Amount {$430.00} I applied to go to school at the XXXX  XXXX Texas and registered for one class, however I ended up attending XXXX  XXXX & XXXX XXXX XXXX. I was told that I was charged to withdraw from the class since I never dropped the class. I do not have to pay for school out of pocket because the VA pays my school. Whenever I did not pay for classes they were automatically dropped. XXXX  XXXX Texas however did not drop me and I was withdrawn and then charged and I did not know about the debt. When I was made aware about the debt that was filed on my credit report I paid for it immediately.
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

All of this pertains to flagstar bank holding money from undisputed claims due to a hurricane. There has not yet been a settlement but rhe insurance company has agreed to some payments at this point. 
My home was damaged by hurricane ida. XXXX. A year later I am still fighting everything and attempting to make repairs. I have an attorney and mediation date set coming soon. The ins company issues an $ XXXX check for undisputed claims. It was of course written to the mortgage company and myself. They allow {$40.00} increments. I am at a point where I need the remaining money they are still holding. I have contacted them multiple times and each time I am given a different story as to what is missing that they need. My attorney has provided them with everything more than once. Every time I call it is something new and having to wait. Presently waiting in the same documents that were already faxed to them multiple times before the mortgage company inspector can schedule to come out and check on the progress and make sure a certain % has been done before there is thought of more money being cleared to be issued to me. This is money that they should not get to hold and make me wait on. I was told in one conversation that the inspector would call me within a week to schedule. Multiple weeks later after still no call, I called back and was told I'm missing information and they can't do anything further until they have it. Was told that without this missing paperwork - the inspector can not see if the things repaired were listed. I do not have a list of anything like that with specific money amounts to say what needs repair and in what order. Also was told they won't send an inspector out unto 80something % of repairs are done. I dont have them money to do 20 % of my repairs yet so that made no sense. My attorney sent them the info they requested yesterday and again today, this os the same info they received months ago, and again waiting until they get it to have an inspector schedule to come here then take days to finish his part then more days to allow the funds to be cleared to me before they can send it toe via us mail. There is a recording before each time I sit on 30 plus minute hold to speak with someone that says the conversation may be recorded. They should record all of them because their employees don't know the answers to customers questions yet they give answers they think are good enough- and not accurate! 
Undisputed claims money does not need an estimate or further paperwork. It's undisputed - I need it for repairs - to my home.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WA)

XXXX XXXX XXXX XXXX that I owe Some account ending in XXXX. 
Synchrony Bank All my accounts were paid. 
XXXX XXXX Carecredit I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely XXXX & XXXX XXXX
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MO)

I was notified on XX/XX/XXXX of a Barclays Bank Credit Card opened in my name with all my information and that it was opened in the state of Ohio ( I have never been to Ohio ) and charges made online with it. It says it has a limit of {$950.00} and there have been {$240.00} of charges made on it so far. All THREE credit bureaus have refused to help me. They say my disputes are closed due to the information they found was accurate. A physical card was mailed to my home. I have called actual credit card 4 times since XX/XX/XXXX. They have told me 4 times that the account is closed. IT is NOT closed. charges keep coming in and the credit reports show it is open. I NEVER OPENED THIS. I have since put a freeze on my credit reports. I am begging for help. NO ONE IS HELPING ME. This was fraud!!!!!!
Consumer complaint received 2017-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MA)

I have done the money transfer by using Western Union on XX/XX/XXXX at XXXX XXXX EDT. WU have promised me that within 5 minutes I will get the call from validation department & after that my brother can collect the money in XXXX. Their validation department has not called me until now ( XX/XX/XXXX-XXXX XXXX EDT ). Because of their false promise, my family has a tough time in XXXX & I also had a sleepless night. My family was looking for money urgently. I had made several calls to them during the last 14 hours. They are saying same line again & again that I will be receiving a call from their backend ( Validation ) team. They have not kept their promise & now Im asking them to cancel this transaction then also they are repeating same line that I will be receiving call from their backend ( Validation ) team ASAP, this time they have added another word to the line that I will be receiving a call in next 24 hours instead of 5 minutes. 

I am paying transfer fee & they also earning from dollar exchange rate on their terms & still they are not doing what they are supposed to do. I do not have any idea how they can streamline this process & stop doing false promises. My hard earned money is on no man zone & you know the importance of money at right time for personal usage. 

Im looking for your help so that Western Union will return my money & should start respecting the consumer time & needs.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual. Bankruptcy Chapter XXXX Dismissed - - Court US BKPT - Reference XXXX - - Responsibility Individual I have called the courthouse and the clerk stated that they don't verify information with the credit bureau. I contacted Transunion today XX/XX/2019, spoke with a rep that stated that the information was put on by the creditor, I asked her who is the creditor and she stated the US Bankruptcy court, which the court advised me that they don't verify information.
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (SC)

This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank states that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX and was self employed my XXXX was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX I lost my XXXX and XXXX XXXX due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my XXXX however it was the only job available to me in a horrible local job market. AGAIN DURING THE DURATION OF MY SECOND JOB I MADE MUCH LESS AND WORKED LESS HOURS THAN WHILE SELF EMPLOYED ( THIS IS COVERED VIA THE CONTRACT FROM CREDIT PROTECTION ) Once again also at NO TIME did i request that the Credit Protection on this account be cancelled and the entire job loss should be covered. To take you have not updated the accounts minimum payment it still remains at {$400.00} with a little over a 1200.00 Balance this is not good business practice my next step will be to report to this company to the Attorney General of the State of South Carolina if all issues are not corrected.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TN)

I have started receiving phone calls from Convergent Healthcare Recoveries. They are trying to collect on a false debt. First of all they call and ask for XXXX XXXX. I have not used the last name XXXX for well over 10 years. That was my ex married name. They say that I owe a medical bill for 2013 while I have been in XXXX, Tn. During the time that they say I owe this bill I was working for XXXX. I had XXXX XXXX XXXX XXXX insurance with a group plan that covered me 100 %. I have researched this company online and there are numerous complaints against them for false collection practices.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UMB FINANCIAL CORPORATION (CO)

Around XX/XX/2022, I called UMB Bank attempting to close my account. I was told the account closure process over the phone usually takes a few days to process and mail a check to my address. I was in no rush for the funds, which totaled somewhere around {$800.00} and {$1000.00}. Before my account was to be closed, I informed the phone representative of a new address not on file with UMB. 

Knowing our current mail system, I was informed 7-10 business days for receiving a check. 

Around XX/XX/2022, I've yet to receive the check, but I actually received my final statement showing my account was closed. It was addressed to my old address but was forwarded to my new address since I changed my address with the post office. Finding that odd, I called UMB asking where my check was mailed to since it would've made more sense to receive the check before the final statement. I was assured that despite my statement going to the old address, that the check was addressed correctly to my new. I was told to give it another week. 

A week later, still with no check, I called and was now told it went to the old address but was still not cashed. Was told to wait another week. 

Called again a week later, now being told it went to the new address. I was now told that since it was a cashier 's check, I have to wait 90 days before I could have the check reissued. Knowing my hands are tied, I confirmed the exact date I would be eligible and was told XX/XX/2022 which was more than 90 days from when I initially requested to close my account. Again, hands tied. 

Now, XX/XX/2022, I call and the representative I spoke with gave the impression it went to the old address. Regardless, it doesn't matter since it should now be eligible for reissue. I'm now getting the " runaround '' as they try to find this check. Again, it shouldn't matter at this point. I stressed that I would like to come to an office to pick up a check, in fear of this happening again. I was informed that since my account was closed over the phone, I only could receive a check via mail. I find this completely unacceptable and my request is 100 % reasonable because a cashier check is drawn off an institution account so whether I receive a check via mail or in-person should not matter at all. They have been holding my money for months with different representaives giving different answers all along this way.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern 's. l am frustrated with these 3 so called Credit Bureaus. l has requested numerous times to remove these inquires & delinquent accounts from my credit report. But to avail, these accounts are still affecting my credit score to drop below standards. This has been on battle since XXXX until now. If the CFPB would investigate this matter you see an overview the of the ignorance Under the Color law. There is a multitude of volitation 's by these 3 so call credit bureaus ' Just to name a few. 15 USC 1681b, Permissible purpose of consumer report. Also 15 USC 1681 Section 602A,15 USC Section 604 A consumer reporting agency can not furnish a accounts without written instructions. 15 USC 1681s-2 ( A ) ( 1 ) Section states ; no consumer reporting agency can not contain the following inaccurate information or has reasonable cause to believe that is damaging the consumer credit history. Also, they aren't even in compliance with metro 2 credit reporting. In accordance with the Fair Credit Reporting act under the rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX and Experian don't respect CFPB laws.
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

Victoria secret credit card uses comenity bank as their lender and they are alleging I owe about 200.00 in late fees and interest. I went in to make my bill back in XXXX or XXXX of this year. I asked the front desk cashier to call the credit card company and find out my payment balance. She did and I was told it was XXXX. I made the payment successfully. I then later received a bill. The bill stated I did not make the full payment and that I was being charged. I contacted Victoria secret credit card and they informed me Victoria secret credit card and comenity bank do not run on the same systems therefore the two can not see each others information. I thought this was inaccurate because I had the cashier call to prevent an inaccurate payment being made. I was a dollar short on my payment so they charged me a whole bunch of late fees and interest. I have called numerous of times trying to settle this with comenity bank and Victoria secret and they refuse to help. They have stated the whole bill is late fees and interest charged from not paying the full payment. I had a balance of only XXXX. The bill is now almost 200.00 because this company refuses to take off those fees. I should not have to be held responsible for their inaccurate system. This bank and store do business together therefore they should make it convenient to serve customers. This is causing the bank to add unnecessary charges and cause unnecessary billing fraud. I want this taking care of as soon as possible. I want all fees and interest accrued from their mistake dismissed. Thank you.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WA)

I am trying to decide on making a large purchase. My US Bank Credit card allows me to use a new feature called XXXX XXXX. This allows you to pay for large purchases over time for a monthly fee and a set payment amount each month. 
However., the bank will not tell you how much the fee is or the amount of payments until you actually make the purchase on your card. 
Ridiculous. There should be a way to calculate that so that you know BEFORE putting a large purchase on your card. Isn't there a law that states rates and fees must be disclosed? They don't, and a snotty customer service rep told me no one will EVER be able to tell me what it will be prior to purchase. 
Unacceptable and it must violate some banking disclosure rule.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc. (MO)

Company : America 's Car-Mart of XXXX MO XXXX Used car dealership ) Between XX/XX/XXXX to the end of XX/XX/XXXX. 
Vehicle ; XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Price : just under {$11000.00} My credit was impacted wrong by unlawful report by both Dealership and lender due to dealership falsifying documents once vehicle was returned. The report was filed as repossession when in fact it was returned by me. The XXXX was a XXXX XXXX and when i took it for inspection the mechanic was checking the back brakes and realized the vehicles emergency break was not working properly and the only thing that was keeping the car still was a collapsed wheel hub that broke when he took tire off. So the only thing that kept the brake working was having the rear passenger tire on the hub so it stayed intact. Once i found out i just had my newborn son and when i took it back all the dealership had to say was why didnt you just keep it in gear so the car doesn't move. Knowing they sold me a faulty car that requires a XXXX XXXX since it is a XXXX XXXX they shrugged it off and i returned the vehicle. It was not repossessed because i didn't own it for more than month so i wasn't due a payment yet. This has messed up my credit and no one seems to care that this dealership risked our lives for a sale. I did not even realize this was a impact until recently when i started looking into getting a home loan and realized i have multiple credit reports when i only ever owned one credit card.
Consumer complaint received 2020-02-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (NC)

This debt was incurred in XX/XX/2016, while I was XXXX. I am not the responsible party, since the State of North Carolina has a duty to provide medical care to XXXX. On the date of service, I was an XXXX  in the XXXX  of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accordingly, the Department  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX  of the XXXX, is the responsible party for these charges. Please contact Medical Claims Management at ( XXXX ) XXXX, ( XXXX ) XXXX ( fax ). should you have any questions. You may contact XXXX XXXX Acting Controller at the same numbers should you need a contact name. Plesae remove me as the financial responsibility for this debt from collections and from all credit reporting agencies.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Opened Chase Southwest Business Card in XX/XX/XXXX - per agreement, spend {$3000.00} in first 3 months, and receive XXXX bonus points. Spent {$3000.00} by first statement closing date of XX/XX/XXXX. Rewards of XXXX points issued to Rapid Rewards account for dollars spent but XXXX bonus did NOT. Contacted Chase on XX/XX/XXXX who said account shows note of " XX/XX/XXXX - Externally earned rewards XXXX points ''. Chase said to contact Southwest and let them know. Contacted Southwest rep on XX/XX/XXXX said they need Chase to transfer points. Contacted XXXX  ( account supervisor ) at Chase on XX/XX/XXXX who conveniently said there is nothing Chase can do to issue the points and they will show in XXXX. I informed all parties ( Chase and Southwest ) that the entire reason for opening the account and spending that amount was to earn the bonus rewards that would count for my XXXX companion pass ( per the terms of agreement - all points earned in XXXX count and the account services at Chase when I contacted them about opening the account and chose a closing statement date ). Southwest is saying points have to be expedited on transfer from Chase. Chase is saying there is nothing they can or will do and it will show in XXXX thus voiding my companion pass rights for XXXX. Without these points, I do not qualify for my companion pass and it seems someone is playing a game trying to keep consumers from obtaining this pass when they have rightfully earned it based on earning the necessary points in the calendar year.