davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

On XX/XX/2022 at approximately XXXX XXXX there was a fraudulent transaction to an individual presuming to be XXXX XXXX, a XXXX XXXX at phone numbers XXXX His partner in crime was a person presuming to be an attorney, XXXX XXXX at XXXX of the XXXX XXXX XXXX XXXX. The scammed {$1500.00} from my XXXX account. 

The transaction confirmation was # XXXX The payment ID was : XXXX They were using the tactic that my brother was in a motor vehicle accident and hit a pregnant women who was XXXX XXXX XXXX XXXX XXXX XXXX. The money was needed for bail. I tried contacting my sister-in-law before the transaction went through. 

The scammers asked for screen shots of the payment that I still have on my phone. 

Coincidentally, my brother just happened to call me right after the transaction was processed so I knew it was fraud. I tried to have the money recalled. I created an online fraud dispute with Citizens Bank XXXX, XXXX I have file an FBI fraud case as well, FTC Report XXXX # XXXX.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

My XXXX died on XXXX and I was selected to take care of his final affairs, trust will ect. I closed his credit card with Citibank aprox 2 weeks after his death. Then in XXXX of XXXX a credit was issued back to his card from XXXX of the insurance companies that had direct payment set up with my father Citibank credit card. In XXXX a credit of {$720.00}. 24 was issued to the credit card. I called Citibank and requested the funds be sent to his address on file. The agent requested I provide documents showing my role in the estate/trust which I provided. I called back two days later and they confirmed all paper work was in order. The agent then related I would receive a refund in the amount of {$720.00} by the end of XXXX. When the funds didn't arrived I called back at the end of XXXX and talked to XXXX # XXXX in the probate dept. She related the check was issued then cancelled she didn't know why but would submit a new request. She return to the telephone and related everything was in order and the check would be received by XX/XX/XXXX. When the funds didn't arrived I called back on XX/XX/XXXX and again talk to XXXX. She related the check was issued then cancelled again. She didn't understand why. She did research and found out it was an internal error on Citibank end. The check would be reissued and it would be received with 30 days. When the check didn't arrived I called back on XX/XX/XXXX spoke with another agent she related the check was never sent and didn't know why. I then requested to speak with a supervisor I was then transferred to XXXX # XXXX. She look at the case and couldn't understand why the check wasn't sent. She contacted the check issuing dept and was told it would be placed on rush and I should receive it within 10 business day. On XX/XX/XXXX I called back after having not received the refund and spoke to XXXX again she related the check was issued but not printed yet it would be done soon. On XX/XX/XXXX the check still hadn't arrived so I called XXXX back again and she related the check was not issued because it was involved in a batch of checks that were recalled. She related I couldn't talk to anyone else and it would be another 10 business days before it would be reissued. She also said I couldn't talk to anyone else and she wasn't a supervisor and wouldn't give me her supervisors name. If I had a problem I could write a letter to the office of the president. 

It has been 4 months since I contact Citibank XXXX XXXX and I still haven't received the credit refund. The estate/trust has been waiting for the refund so it can be closed. This has become nothing less then a joke dealing with Citibank and XXXX is the worst of all.
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (MO)

Great Lakes sent my account to a loan service group named XXXX XXXX and I received a notice by the us dept of education that I would be garnished for non payment of loans in early XXXX. I was in forbearance with Great Lakes and I didnt receive any notice that my forbearance ended. I contacted XXXX XXXX immediately and was told I would be garnished for $ XXXX+/- a month until loans are paid ( {$12000.00} ). I explained that there is no way I can afford this, but I would be willing to pay up to {$300.00} a month. They asked me to fill out documents on my bills, and I did. We went over this in detail during our initial conversation. During this conversation, I was told I could make on time monthly payments for 10 months at $ XXXX/month and that will bring me back on track. I was happy to have this option. I mailed them in as instructed to, and was told they would get back to me with my arrangements. I never heard from them. I called them the first week of XXXX and was told that they never received the documents, and since they didnt, there was nothing they could do. They have moved forward with processing the garnishment and the amount is almost {$800.00} a month. I made this clear that this would put me at risk of losing my home, and assets, and they didnt care. I have no options at this point and I am scared.
Consumer complaint received 2016-05-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: First Associates Loan Servicing LLC (WA)

I went to XXXX XXXX Va from XX/XX/XXXX to XX/XX/XXXX..I 'm XXXX and I have {$60000.00} in student loan debt from XXXX XXXX XXXX XXXX {$30000.00} from federal loan and the rest from a private lender. My student loan payments are about {$520.00} a month just from the private lender Peaks loan. XXXX XXXX sold it to them and i got stuck with them. I make XXXX payments to the same private lender every month and they wo n't consolidate it because they said it has different interest rates.They would n't even tell me who owns the loans. that 's when i sense fraud.When i was reading about XXXX tech getting sued in the comments sections everyone was just about in the same situation I 'm in.I want to file or join a class action lawsuit against them. I am incapable of feeling relaxed when I think of my finances.I do not foresee my future children 's lives improving beyond my own as I will be incapable of providing to them the things I had as a child due to my debts.
Consumer complaint received 2017-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (SC)

XXXX originally reported to the credit bureaus. I sent them proof of my payment and said that the debt was cleared. I got a phone call from Transworld Systems , Inc. saying that I still owed the debt on XX/XX/2017. I have an FTC reference number and faxed them the information. My number is XXXX
Consumer complaint received 2016-06-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (NC)

XXXX XXXX Now supposedly is a pay day loan company. However, payments have been made on time per the paper work that I signed, automatic debits have caused the loan balance to increase. IF you pay a loan, on time every time per the paperwork, your balance should go DOWN, not up. I 've paid for MONTHS. Approximately {$600.00} on a {$400.00} loan only to be told my balance is {$420.00}. How is that even possible when weekly payments are made??????
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

My bank ( HSBC ) sold my mortgage without my permission. I 'm now stuck with some debt collection company out XXXX that makes it much more difficult to pay, and no doubt leaving me open to late fees. Why do I have to jump through hoops to refinance, but the banks can XXXX me with one day 's notice? ( I got their Notice of Servicing Transfer letter ONE DAY before this took effect )
Consumer complaint received 2016-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (MI)

Hello my name is XXXX XXXX I am contacting you about University Accounting Service ( UAS XXXX ). my school was shut down due to fraud which was XXXX College and now the private loan still wants their money even though the Federal Loan was dismissed and I was reimbursed {$1500.00} I feel that this might be fraud because they still want me to pay {$2000.00} towards the private loan I would appreciate if you can investigate this thank you
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (CA)

I contacted American Express credit, customer service and fraud. They kept transferring me in a loop back and forth. I sent a letter to American express and still no resolution. 
My husband XXXX XXXX added me as an authorized user over a year ago. Last month I changed my name and they reported that name change as a new account. 
I would like to request assistance in removing this new account from affecting my credit negatively in any way.
Consumer complaint received 2022-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Banking institution responded to my notification about potential identify theft indicating that the identification I sent them ( State issued drivers license and concealed carry permit ) was insufficient. They asked for military or passport identification which I do not have. They then requested a copy of my social security card which I no longer want to share with any of these institutions. A case number from the bank has been assigned to this incident..
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

XXXX ,  XXXX ,  XXXX   XXXX  cwen Loan Servicing has charged me 13 m ortgage payments per year over the past 3 years. They have explained that my escrow payments have not been sufficient and that each year in order to prevent my monthly fixed rate mortgage payment from increasing, I must make an additional Escrow Payment. Over the past 3 years I have made a full additional mortgage payment. This year I did n't quite make the additional payment in full so they increased my monthly mortgage bill as of  XXXX , 3 months later and with the additional escrow payment and my mortgage payments ... my escrow still reflects low balance. With hopes of remedying this very serious issue, I called the compan y. Ocwen has bounced my call around to different departments, each department saying that the shortage and or requirement of more money could be coming from another department ... ..it is a three ring circus trying to get answers from Ocwen as to why I am making 13  payments yearly to keep my monthly fixed rate payment in tact.    XXXX   XXXX ,  XXXX  I paid mortgage payment,  XXXX   XXXX ,  XXXX  I over night expressed Escrow Payment {$810.00},  XXXX   XXXX ,  XXXX   Ocwen sent letter   stating that I needed to pay an additional {$700.00} to the ecrow to prevent a rise in my monthly bill
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase on XX/XX/2024 marked my account for Fraud they will not explain why. They will not tell me anything. They have marked my accounts for closure, in the meantime they will not let me touch my money, use my accounts in anyway what so ever. They said I have to wait 10 days for the account to close and then 7-14 days for them to mail me a cashiers check of the sum of my money. So I cant pay any of my bills and they are holding my money for 20-25 days and then -mailing- the sum of my money in an unsafe way through the mail!!! The only thing I did that I can think of is I sold a car for {$2500.00} cash. I know the cash is real because I brought the guy that I knew to XXXX  XXXX XXXX to get the cash and I directly went to my bank to deposit the {$2500.00}. I immediately made a savings account and moved the money into savings. I have called 3 times on XX/XX/2024 and none of the customer service reps will tell me why they are closing my accounts. I have been a customer for 10+ years. I went into Chase bank on XX/XX/2024 where the person in the bank also could not tell me why my account has been marked for fraud, he did get managers approval to give me {$3000.00} cash because he could see in my account that my house note and several credit card payments had been declined. I still have {$3500.00} in the bank and so far this has cost me over {$100.00} in return payments and late fees. Has reduced my amount at XXXX that I can have lent to me due to a returned payment. It is causing several problems with no explanation and holding my funds.
Consumer complaint received 2015-09-30
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I had a VA home loan with Chase. I had made every payment on time. We got a mandatory job transfer to CA and our child with XXXX needed medical treatment in California. We tried selling and short sale but could n't sell the house. In order to be considered for short sale or deed in lieu, Chase said we could n't be current on the mortgage. Once we went behind on the mortgage and moved. Chase keep transferring our paperwork between departments, losing paperwork, requesting paperwork we had already provided, etc. It took Chase a year and 5 months to finally say it was done. We now found out 3 years later nothing was recorded properly and it was still showing incomplete with the credit reporting agencies. I have been petitioning Chase to try to fix this and got some resolution. Chase now is reporting the Deed in Lieu took a year and reported us as behind the whole time. A law has been passed because of instances like this saying the process needs to be complete within 90 days. I have asked Chase to remove these late payments from my credit report and they refuse and have stated the process can take whatever time they need to complete it. I wish Chase had worked with us without forcing us to go behind in the mortgage and that the process was completed within a reasonable amount of time. Secondarily as I am looking into the laws on a Deed in Lieu it states that the lender can just accept the house in a deed in lieu and that the lender is supposed to negotiate this with the customer. Dealing with Chase was very confusing and they did take money from the VA and the deed to the house. As someone who served our country and is raising a child with a terminal illness I wish this had been more clear and that Chase had not taken my VA entitlement as well. I can provide more details on all of this if needed. This whole situation has been horrible and has affected me negatively much more than it should. Chase has even admitted they messed it up and were even showing incorrectly in some of their records that they had foreclosed on the house. I do n't think they even know what is going on with this account. I am trying to buy a house now in California and these issues are making it impossible.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

I made a purchase for a hotel reservation for {$1500.00} in XX/XX/2023. Because of a fraudulent call, I thought this charge was paid to the wrong people and I asked that it be reversed. Discover reversed it. Upon realizing that the call I received was a part of a scam, I asked Discover to send the money back. Discover said that they will withdraw the claim and send the money back. It was reposted onto my account in early XX/XX/2023, but the hotel never received the money. I followed up continuously for a month, and neither party ( Discover or the hotel ) budged on their positions. Around XX/XX/2023, I made other accommodations. My original hotel reservation was canceled because the balance was never met, despite Discover saying they received the money AND it being posted on my account. 

I've called Discover several times to dispute this charge. I've sent in invoices, payment reminders, and balance due statements from the hotel to prove they didn't receive the money. I've also sent in proof that I didn't stay there. They have said it was insufficient evidence and refuse to reverse the charge on my card. Essentially, they are making me pay for something when the money never made it there. I understand the process has been confusing, but I don't see why I should have to pay if the payment was never fulfilled. In the documents below, I will include everything I sent Discover : a payment reminder email, invoice of my bill being unpaid, invoice of my canceled reservation, a website page proving my balance was not met with the exact same amount that discover posted on my account, the payment history on the hotel website showing that they never received the money. Additionally, I can include proof that I stayed somewhere else during the window of the dates entirely, to prove that I can not be in two places at once. 

Thank you for reading and I hope you can help me. I very much would not like to pay {$1500.00} for a reservation that was canceled.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has deleted this account due to fraud over a year ago. 
It was the result of identity theft, Ive never done business with this company. 

Account that needs to be removed XXXX XXXX Account # XXXX {$4500.00} None of this is correct and isn't mine. 
This should have never been reuploaded to my report. 
I will be pressing legal action against transunion if it is not removed.
Consumer complaint received 2016-06-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp (LA)

I was extended credit from The Lending Club through XXXX XXXX without my knowledge. The Dentist was performing procedures that we could not afford and I would never have approved had I known or been asked. He was performing these procedures on my wife without prior consultation to inform her what he was doing or how much it would cost.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST NATIONAL BANK OF OMAHA (MS)

On XX/XX/2024, I sent in a letter to opt out of my information being shared with any person, entity, or institution and to be effective immediately and Indefinitely!! 

I gave them 30 days to respond and as of today XX/XX/2024, I have gotten no response and private information is still on my consumer report!
Consumer complaint received 2024-03-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I try to use my Amex gift card to buy necessities but card always gets declined when I have enough funds in the gift card. I was only able to buy XXXX purchase but after that card keeps getting declined every place I go.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

i requested for Loan Modification on XX/XX/XXXX and XX/XX/XXXX Mr. Cooper declined Loan Modification. Now they based this application on my Deceased grandparents. 

I inherited property through a Trust and yes they have had copies of both Death Certificates, Trust and Title back in XXXX. 

I am only on Title and XX/XX/XXXX I sent over via fax a XXXX XXXX Modification Application and all supporting documents such as tax returns, XXXX, etc ( 25 pages XXXX. 

On XX/XX/XXXX called Mr. Cooper to confirm receipt of faxed documents ( 25 pages ) spoke to XXXX who stated they received all 25 pages. So when I asked about this letter dated on XX/XX/XXXX showing Items still needed ( /income, tax returns, etc. ) she placed me on hold to ask underwriter. The underwriter had told her that they needed my grandfathers death certificate. 

I do Not feel comfortable knowing that they have all the documentation needed for myself and yet there asking for information on deceased people. 
Now there telling me to check back within 5 business days.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX transunion and XXXX have been reporting inaccurate information and under the fair reporting act this account needs to be deleted from my report. I printed a side by side Bureau from transunion XXXX and XXXX and they all have differces. My rights have been violated and I plan to file with the states attorney and than with the XXXX XXXX XXXX if this account isnt removed immediately!
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Finance of America Mortgage LLC (NH)

I am enrolled in a equity accelerator program. In XX/XX/XXXX I refinanced my mortgage with PMAC. In XX/XX/XXXX the mortgage was transferred to Finance Of America for a sort duration. I was told that Finance of America took over the day to day operations of XXXX. In XXXX XXXX the mortgage was transferred to XXXX. XX/XX/XXXX a payment was mistakenly sent to PMAC instead of XXXX. The check was received and cashed. I have been working with no success to have the payment sent to XXXX as my mortgage is lagging a month behind, and I have been reported to the credit bureau. Finance of America is telling me that they are researching the issue, but it has over five days and every day I call and every day I am told that there is no update. I am very frustrated.
Consumer complaint received 2015-07-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander Bank N.A has reported to the XXXX XXXX that I owe them the amount of {$330.00}. I have never had an amount with this bank nor have I made any business with these people.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (MI)

I bought a XXXX XXXX Gift card from XXXX XXXX for {$100.00} credit. I activated it on their website and set a pin #. I even verified the card credit is worth {$100.00} exactly. Then, NOWHERE will accept the card. Physical stores, XXXX, XXXX, XXXXXXXX XXXX, XXXX, anything. Nothing will work. They all just say theres an issue with the card company. So I call the number provided on the card tons of time and theres zero way to get thru to a human representative- only automated options that hang up on you. It still says my card is worth {$100.00} but I cant use it