davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

XXXX   XXXX   XXXX ? Chase Bank account # {$4300.00}  XXXX   XXXX   XXXX . We can not make payments to the - BALANCE TRANSFERS - part of this account. We applied for a balance transfer. When the no interest time limit expired we found that there was a balance still due of {$300.00}. We thought we had paid off the balance but some of our extra payments had been applied to the purchases part of the account.     From that time on Chase would not except any payments to the Balance Transfer balance.  In   XXXX   XXXX   XXXX   the balance was {$300.00}.  XXXX , do to the fact they applied all payments to the purchases pa rt of the account the balance is now  XXXX  The interest charged is about {$96.00}. In that time we have made extra payments to the account in the amount of {$690.00}. We have paid on time or before the payment due date, we have made payments at the bank with checks marked pay to Balance Transfer only. We have made checks to Principal only and they just accept them as normal payments.     The interest on the Purchases and  Balance Transfer is the sa me 14.99 %. With there refusal to accept payments on the Balance Transfer part of the account they just keep accruing interest. We do not remember anything being said that they would refuse any extra payments to pay down the balance on the Balance Transfer part of the account.     We have made phone calls to the bank and written letters they refuse to accept the payments to the Balance Transfer. Question, How can we pay the bill? They sent a letter saying that they regret that they can not change there rules.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My card was used multiple times for unauthorized transactions, the dates and amounts are : XX/XX/XXXX for {$1000.00}, {$1000.00} ; and XX/XX/XXXX for {$1700.00}. A total of {$3700.00}. BOA sent an email letting me know there was suspicious activity on my card. When I called to find out what was happening, I was placed on an extremely long hold, then I was informed that my card was blocked and that they would be sending me a new card ASAP. However, I was never informed of what took place for the block to happen. After getting off the phone with BOA, I realized what had happened in regards to the suspicious activity. I had to wait a few days for the charges to post in order for me to report the transactions as fraud. Moreover, I was asked a series questions about how my card was accessed to which I responded my wallet was lost. I was told my case would be investigated within 45 calendar days, and that I would receive a provisional credit within 10 business days. The case took an unexpected turn when I learned by claim was ultimately denied. I called to find out why, only to be told they didn't have " sufficient '' evidence that the claim was valid. I was very disappointed with their unjustified reasoning, therefore I decided to have it reinvestigated. It was denied shorty after that again. BOA failed to honor my claim, which is a very unfortunate and disheartening.
Consumer complaint received 2016-07-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANCORP (PR)

We complied with a chapter XXXX. Once we received our release the bank states we are behind a month on our mortgage payment. I stated to the bank this can not be and followed proof. Till this day the bank is still not honoring my request to update and make us current on our mortgage payment. I filled a formal complaint with the state commissioners office for financial institution only a month ago.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I attended XXXX University in XXXX NJ. I have tried to make payments. Over the past few years I have requested to lower my payment and was told I had no options and they could not help. If I knew that my payments would be so much I would never have taken them out. The financial stress is effecting all parts of my life. I am willing to make a payment but to expect someone just starting a career to payout {$600.00} a month and live on their own is not realistic. I have asked several times for different payment options for years and until I stopped paying the loan an option popped up but it will help for a few months by cutting the payment and then the monthly payment will increase higher than before! I do not feel as though students are being properly informed on what loans of this nature will cost us in the long run.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Please review attachments of new discovery. It is obviously that XXXX XXXX XXXX and Select Portfolio Servicing is working together. The first lie is that they are the originators of my mortgage loan Which is false, the original FHA mortgage loan was with XXXX XXXX XXXX XXXX on XXXX XXXX therefore they lied on the XXXX credit bureau report and XXXX and XXXX report, misrepresenting and falsifying balance, amount owe and fraud Loan modification, I have no knowledge about. How can Select Portfolio Servicing Flagg a loan modification on XXXX XXXX with XXXX? This is crazy, Im not sure if they changed or added a new account number because I had no knowledge of the above. Please, please investigate on what going on. Follow the money, I can guarantee those missing checks and funds was used for investments accounts funds for profit. I wanted to know who is holding the mortgage note? I really think you all need to check for yourself because they lied and said it was with some insurance and when I call they had no knowledge of what SPS stated on one of the  documents they sent to CFPB
Consumer complaint received 2015-12-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is not a servicer on any loan related to us or our property and refuses to provide any information on why they are authorized to use our personal identifying information, credit information and financial information. We have no agreement with Wells Fargo. Wells Fargo has no agreement with any other party regarding any obligation or our real property. 
See our full complaint in the attached PDF.
Consumer complaint received 2015-12-27
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: AES/PHEAA (IL)

AES did not disclose the calls were not being recorded and I have recorded calls as proof. They are XXXX and I do not wish to deal with them. They are collecting for NCT but NCT sold my loans into investment which means they do not own my loan anymore, it is illegal to collect on this because they do n't own it. AES claims they do but I never received proof. NCT needs to remove all negative marks and marked as a paid in full because they no longer own it. NCT is famous for suing people for no reason it is illegal. I never signed any agreements with NCT, NCT is a debt buyer but AES claims they are my lender, they are not and AES knows this. AES is committing fraud against me by collecting on a loan that NCT is not an owner of.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I defaulted on my mortgage because the monthly payment and the interest rate increased from one day to another, making it impossible for me to stay afloat. 

I have tried to do loan modifications and many other alternatives for my house not to get foreclosed on but the bank is not willing to cooperate. 

I feel that I was done wrong by the bank and there might be some fraudulent activity on the bank 's part.
Consumer complaint received 2016-03-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I received a default on mortgage, for months XXXX XXXX and XXXX XXXX, payments. The default amount does not match the amount per my accounting records ( per my mortgage modification ). I would like an accounting statement for years XXXX XXXX to the present day XXXX/XXXX/XXXX. Please include our monthly payment ( per the modification agreement ). Also, please indicate current payment amount, when and by how much the payment has changed within timeframe, clarify any fees incurred with date, and disclose all tax and insurance disbursements with date. Finally, please include a complete accounting disclosure of the " unapplied funds '', since acquiring this loan as Greentree Servicing in ( XXXX ). I plan on having this default reviewed by my attorney. I do not trust this mortgage servicing company is acting in good faith, and transparent accounting is not available through their website.
Consumer complaint received 2015-07-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NY)

A bank fraudently claimed ownership of land that isnot there property. In an attempt to sell a home they rippeddown posted signs, removed a house trailerand sold it, and trespassed. They refuse toreturn any phone calls and will not talk to lawenforcement. They are attempting to sell a propertywithout a proper land survey, then leave the messto my family and the new land owner in an effortto make a quick profit- this is fraud. The Bank is Sun Trust. 
The land has been in my family for about 100years with well defined borders. The addressis next to the banks land at XXXX XXXX XXXX PA. I have attempted to call SunTrust 18 times, they will not respond. I filed a policereport with the State Police, but they hang upon law enforcement and refuse to answer anyquestions. They hired a people to illegallytrespass, rip down posted signs and stealproperty- an RV home. This all is an attempt toile a quick saleand profit before law enforcement can react.
Consumer complaint received 2016-09-22
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: CNG FINANCIAL CORPORATION (TX)

The cashier named XXXX XXXX, working in the Check 'n Go store located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, took my driver 's license and social security number, and input the numbers into the company computer system before telling me how much they were going to charge me to cash a {$500.00} insurance check. When I asked her why she did not tell me the fee amount before taking my personal identifying numbers she flew off the handle. She shoved the check back at me and tapped the keyboard once or twice and angrily said, " there now you 're info is deleted ''. I took out my phone to video the conversation and she yelled at me that it was illegal to video her and she threatened to call the police reaching for the panic button and picking up the phone. This woman is extremly rude and does not need to be working with the public. My greater concern is that this company now has my personal identifying information.
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

got a letter from a lawyer mitchell d bluhm & assoc. for XXXX dollars i have medical insurance shouldnt be payimg anything have medical assitance sent that back with bill with insurance information thought it was taken care of since i never heard back from hospital
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER HOLDINGS USA, INC. (NY)

XX/XX/2024 SANTANDER CONSUMER USA Re : Account number : SAVINGS ACCT XXXX AND CHECKING ACCT XXXX To Whom It May Concern : I am aware that I have an outstanding balance with your company. This letter serves as an offer to settle the debt for a CORRECT amount. I can only afford to pay this debt. 
I understand that you may also have motivation to work with me, considering the age of the deb. Refusing to cooperate will only worsen the situation for both parties.

You claim that the amount owed on both accounts is {$800.00}. I propose a good faith offer to reduce the 8 returned fees on account.

The parties involved agree to settle the account in its entirety for the sum of {$520.00} and accept this amount as the final and complete payment for the debt. Once the agreed amount is paid, a full discharge and settlement of all outstanding monies will be executed, subject to the following terms : Payment terms : Six monthly payments of {$88.00} due on the XXXX of each month
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank closed my account without a valid reason, and now they won't let me have the remaining {$2300.00} cashback balance on the account. 
I have not broken any of the rules of the card and my credit is really good, they seem to be only closing my account because the bank isn't doing well financially and this was an easy way for them to lower their exposure, even though I've been an excellent customer for a long time, always paying my bill on time and never missing a payment or doing anything wrong. I didn't lose my job or anything, I'm still working full time, so I'm not sure why they would even consider closing my account, and everytime I reach out to customer service they are unable to provide a valid reason.
Consumer complaint received 2016-08-22
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION (NM)

have had a company calling me saying I owe a debit. I am not aware of a debit to them. I have asked for proof of it being my debit, as I have had identity stolen and had numerous accounts and loans taken out in my name. And they refuse to prove to me that it is my debit.
Consumer complaint received 2016-10-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance Collection Agencies, Inc. (WI)

I had no knowledge of this debt. This debt is held in another person 's name-an ex-husband. I did not receive any letters or notification of this debt. I did not receive any information to verify this debt-was this debt acquired before or after our marriage. This debt is a medical debt in another person 's name that is listed on my credit report-this is a HIPPA violation. I want this debt removed from my credit report.
Consumer complaint received 2017-03-10
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WI)

IN XX/XX/1995 I TOOK OUT A CD ITF FOR MY SON. WHEN I WENT TO COLLECT THE CURRENT BANK SAID IT WAS OVER 7 YEARS TOO BAD. THEY DENIED MY CLAIM. THE BANKS INVOLVED WERE FIRST XXXX OF FLORIDA WHICH WAS BOUGHT OUT BY WAKOVIA WHICH WAS BOUGHT OUT BY WELLS FARGO. THIS OCCURED IN THE SAME LOCATION AND ONLY THE OWNERS CHANGED.I HAVE THE ORIGINAL PAPERWOOK FOR DOCUMENTATION. TREATMENT BY THE BANK WAS SHODDY AT BEST.
Consumer complaint received 2020-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently investigated my credit history because every I apply to get one I 'm denied for the following reasons : -derogatory public records or collection filed -Insufficient length of credict history -Proportion of revolving balances to revolving credit limits is too high -Recent derogatory public record of collection -Number of recent inquires on consumer report My question are What does this mean? 
How can I fix all this so I can cleanly build my credit? 
How to prevent this affecting me.? 
Why I get a pending account in collection and I was never notified of this amount?
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

I was never notified as the co-applicant that payments where late. 
My son XXXX XXXX who has XXXX tried on a number of occasions to resolve this issue. He spoke to representative name XXXX @ XXXX she never offered XXXX any type of alternatives to keep the car. Only to pay the balance in full, he tried on several occasion try to explain to her that he worked for a hotel and during the summer months his hours are cut in half. Because of his XXXX it is hard for him to find work and explain himself over the phone. I wish XXXX would have contacted me about the loan I could have helped solve the issue. Understand XXXX was trying to handle this issue on his own, but when someone has no compassion or respect for someone with a XXXX it is hard. 
I feel that if XXXX would have showed some amount of concern or compassion for XXXX or valued him as a client and appreciate his business he would still have his car. She never offer to move his past due payments to the end of his loan.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am seeking assistance in resolving a matter with the credit bureau Equifax. I have exhausted all means of trying to have a former address removed from my credit report since XX/XX/20 as a result of identity theft that occurred with XXXX XXXX with no resolution. This account was open with my SSN #, name, and an address I never resided ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Please see steps taken below. *Please note Equifax has removed/deleted the fraudulent charges reported from XXXX XXXX. 
Filed disputes with all 3 credit bureaus. XXXX  and XXXX have resolved/removed the fraudulent charges and address associated with the charges ; XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Filed 11 claims with Equifax from XX/XX/20 thru XX/XX/20 ( Documentation attached ) Filed a police report with my local police department/XXXX XXXX, which provided a summary letter to send to the 3 credit bureaus and XXXX XXXX. ( Letter attached ) Contacted the collections agency XXXX XXXX XXXX XXXX XXXX, because the XXXX XXXX account was turned over to this agency to collect the fraudulent debt incurred due to identity theft. After speaking to the agency, the account was then turned back over to XXXX XXXX. 
Contacted XXXX XXXX which reported the account information along with the address associated with the account XXXX XXXX XXXX XXXX, XXXX, MO XXXX to the 3 credit bureaus. An investigate was conducted by the Fraud/Investigation Department ( Incident # XXXX ). The results concluded that the charges were fraudulent charges, which was a result of identity theft, and the account was open with my SSN #, name, and the address which I never resided at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
Created an account with identytheft.gov to help resolve my issue with identity theft, which was a result of fraudulent charges that occurred with XXXX XXXX. Followed plan and sent letters to the 3 credit bureaus and XXXX XXXX. ( See letter attached to Equifax )
Consumer complaint received 2016-06-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (IA)

universal acceptance corporation was asked not too call my references they were calling them because i had a bill with them and they kept calling them i have filed a complaint here befor and they agreed not to call but the calling has not stoped and my references have asked them to stop and they keep calling them
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (CO)

Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower.
Consumer complaint received 2016-11-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (VA)

I have a debt with XXXX for an old XXXX card, my debt was sold to a company called midland financial. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by Midland with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports.