davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

Despite XXXX separate written inquiries to the creditor ( National Collegiate Trust ) and to debt collectors it has apparently retained, the creditor refuses to explain charges on an itemized list of charges and credits that bear no relation to the principal or interest. Each time I request this information, the creditor retains a new debt collector rather than provide the requested information. As the charges in question ( see, e.g., " Forward Fee/Gross '' charges on Transaction History in the attachments ) bear no relationship and as the creditor can not explain the charges, I believe that the creditor is seeking payments to which it is not entitled. The improper charges caused me to fall behind in payments, adversely affecting my credit. 

Additionally, it appears that National Collegiate Trust ( NCT ) is seeking double recovery as they have concurrently engaged the services of XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, XXXX. for the same accounts. Despite my written requests to NCT, XXXX, and XXXX XXXX, I have received no confirmation that only one agent is working on behalf of NCT to recover these funds.
Consumer complaint received 2016-09-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC. (WI)

I was declined for an auto loan by SunTrust and XXXX XXXX and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.
Consumer complaint received 2016-05-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

I am in repayment on federal student loans administered through FedLoan Servicing. I have been on the Income Based Repayment program, which requires annual re-certification. I apparently missed notice of the deadline to re-certify which I just discovered had been sent to my " paperless inbox '' in XXXX, at the same time I am typically informed that I may download data for taxes ( note : when a message is sent to " paperless inbox '', fedloan does not email you notice as to the contents of said message ). The deadline for IDR re-certification was apparently within 10 days of XXXX XXXX, XXXX. I submitted application to re-certify XXXX XXXX upon logging into my FedLoan account and discovering my monthly payment increased from {$520.00} to {$1800.00}. Today XXXX XXXX XXXX, XXXX ) I logged into my FedLoan account again and saw my principal rose from XXXX {$170000.00} to XXXX {$180000.00}. Essentially, I am penalized {$18000.00} for failing to submit an application upon dubious notice. Furthermore, as long as my application is pending, my monthly payments are now approximately {$1900.00} ( from {$520.00} while on IBR ). The only relief I have is a forbearance, which would result in even more interest being capitalized ( i.e. principal increasing further ). I graduated law school in XXXX XXXX with approximately {$170000.00} in debt. Since XXXX, I have made all of my payments as due, yet my principal was on XXXX XXXX, XXXX was {$170000.00} ( I have had XXXX previous forbearances due to my loan service providers twice failing to include my spouse 's debt in calculation of my IDR eligibility, which were later resolved, but resulted in interest capitalized ) and now on XXXX XXXX, XXXX, my principal is {$180000.00}. This is unduly burdensome and may result in financial hardship in the future, including but not limited to, increased payments and interest, increased life of repayment, increased tax consequences should balance be forgiven, and increased debt to income ratio, resulting in inability to obtain personal financing.
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (FL)

Chase sent only past due notices, but never a statement prior to being past due. When I cancelled my card they took all the bonus points off but did not take off the late fees as promised. Then they started calling my place of business because they were adding more late fees even after I had cancelled the card.
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I purchased XXXX train tickets on XXXX XXXX 2015 on XXXX. I received an email that my order did n't go through. " XXXX was unable to process the payment for your recent order. Please contact us at XXXX XXXX XXXX XXXX to so we can complete your order and confirm your reservations. '' After seeing this I purchased new tickets on the exact same train hoping that the order would be processed because I was traveling from XXXX XXXX, to XXXX and wanted to make sure the order was confirmed. Immediately following the XXXX purchase I looked at my chase account and saw that the original order did in fact go through and now I was being charged for not only the {$190.00} but also the XXXX order of {$200.00}. XXXX XXXX told me there was nothing they can do, and when I contacted my bank ( CHASE XXXX they looked into it and decided I was liable even after I showed them the email. So basically I was charged {$390.00} for a round trip tickets for two instead of the original price of {$190.00}. I still have the email XXXX to prove I was mislead and taken advantage of. Im disputing the {$200.00} charge because I feel that this is truly unfair business practice and that they stole {$200.00} from me. Please look into this and see for yourself. 

Thank youXXXX
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase was offering a " refer a friend '' promotional offer if I refer a friend and they signed up for the Chase XXXX XXXX Credit Card and spend {$4000.00} in the first 3 months after account opening. For referring a friend I was to receive XXXX K bonus points. I sent the referral via email ( the promo was in email and required the friend to click the link in the email to sign up ) to my fiance whom I live with. I watched her click the link and sign up for the card. She subsequently spent the {$4000.00} within the 3 months as stated in the promo offer and received the XXXX bonus points. However, I was notified by Chase that I will not receive the XXXX bonus for referring her because " she must not have follow proper steps '' as noted in the letter I received from Chase Customer Service. She signed up for the card, spent the required amount and received the promo offer however I did not receive my bonus as explicitly stated in the offer. Chase should review their platforms handling the referral process for any errors.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan mod with Chase. A complete loan mod package was submitted and received by Chase on XX/XX/2017. XXXX from XXXX XXXX XXXX XXXX XXXX XXXX spoke with Chase on my behalf to confirm the submission and that Chase was in possession of the loan mod package on XX/XX/XXXX. A sale Date of XX/XX/XXXX has not been postponed. My loan # with Chase is XXXX. I need help, I want to keep my home. 
XXXX XXXX XXXX
Consumer complaint received 2016-09-10
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: Comerica (IL)

Direct Express Bank in XXXX XXXX, TX, call me and said there was Fraud against my account in XX/XX/2016. I will send you information to return back to us and open your claim. I sent the information in and I called them two weeks later. They said they never received it. I called two more weeks. Direct Express said the claim was closed due to you not sending in the information. I told them I did, so they told me to write a letter with the information and they will open the claim. I did what they said and I call them a week later and they did not receive it. I call again, they did not receive it. Direct Express told me to write another letter. I verified their address ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I sent the letter again, however, like always, they never received it. Next, they told me to fax it in to ( XXXX on XXXX XXXX, 2016 ). I tried to fax it but received busy all day, until 6 hours later. The Fax went through with confirmation. I called a week later, they said they never receive my fax. XXXX XXXX, 2016, and ask to speak to a Supervisor and the Supervisor said, she never receive the fax or letter. She said I need to send it to ( XXXX. XXXX XXXX XXXX XXXX, TX XXXX ). I explain to her that this is frustrating and she said I 'm about to release the call. I told her do n't hang up the phone and she did. My wife witness the entire message because I had it on speaker phone. The currently owe me over {$420.00}. The person doing the fraud was taking out a little bit at a time. I requested additional Bank Statement from them and never receive it. I believe more money was taken from my account. I believe employees inside of Direct Express in ripping off consumers because this third party bank was design for people to receive their social security money and XXXX veterans. I do believe someone on the inside is ripping consumers off.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Guild Holdings Company (CA)

I am currently in review for a loan modification and have provided all documents to be considered. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is postponed. Any assistance you can provided with the postponement will be appreciated.
Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (UT)

I had a mortgage through Guild from a purchase in XX/XX/XXXX and sold the home in XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX to let me know that they have money owed to me from the sale of my home ( {$570.00} ) due to remaining funds from my escrow account. It has now been 7 weeks and they have not yet sent my check. It is unacceptable that they 've had these funds for nearly 3 years.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (IL)

I filed an injury report with my employer in XX/XX/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, XXXX. Under Illinois law, the employer, XXXX was required to pay for the examination. 

Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. 

XXXX then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, XXXX, if they insisted the debt was valid, but, since I did n't legally owe the debt, they refused to submit it to the State of Illinois since it would be a crime for them to do so. 

They turned the debt over to a collection agency, ATG Credit, XXXX, XXXX IL XXXX. I disputed the debt in writing, but ATG Credit has never provided me with proof of the validity of the debt. 

ATG Credit continues to report it as an unpaid debt. They have refused to remove it from my credit report.
Consumer complaint received 2016-08-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Farrell Holdings, LLC (TX)

I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.
Consumer complaint received 2022-12-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (FL)

XXXX  Today I spoke with Sallie Mae in hopes of coming up with a more flexible payment plan instead of the XXXX XXXX monthly payments as well as the 12 % interest. I have a small XXXX XXXX old child, with many expenses-we have even got rid of one of our cars to reduce monthly costs. This company offered me zero help or support simply said the interest rate would go up if I opted for any type of repayment options and even that would only reduce my monthly payment by XXXX XXXXwhich I feel should be or is illegal. I am questioning the moral conduct of this company as a whole. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX all throughout the pandemic. This is not how you treat those who have chosen public service jobs. Offering no sort of loan repayment options or support. This is not sustainable especially during these economic times. I wish for this company to be fully audited on their practices and " programs '' entirely criminal.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

or your information I also submitted this complaint to the Federal Trade Commission. I ordered XXXX products online from the merchant ( XXXX ). The cost per product is only {$4.00} each. I was made to believe that this is the amount i have to pay for each product. But when the bill statement came, I have to pay {$92.00} for each product ( 2 XXXX ) and {$97.00} for each ( 2 XXXX ). I would NOT have agreed to pay those amounts if only I knew the merchant has indeed truthfully posted the terms and conditions before the checkout. I filed a dispute to the Citi Cards company. But The Citi Cards company has informed me that they are unable to assist me with the dispute due to the terms and conditions of the merchant ( XXXX ) prior to the checkout. But the truth of the matter is that there are no terms and conditions Prior to the final checkout or placing the order. I was misinformed. I did not attempt to cancel tjis transaction because I was made to believe this is only a one-time purchase. I did not dispute the original charge because i was made to understand that I would only be charged {$4.00} for each product. I did not agree to be charged with {$370.00} for the XXXX products or items. In fact, I returned the XXXX package with the ( 2 ) items or products to the merchant upon learning the real cost of it. The merchant will not acknowledge it that I returned those XXXX products even If I have the U.S postal receipt because they told me I did not inform them before i returned. I tried to convince the credit card company not to allow the merchant to charge me because i was misled and misinformed by the merchant. But Citi Cards decided to favor the merchant for they received the papers from the merchant stating that I agree to the terms and conditions prior to placing the order. I told them It was a lie. If they check the website, the merchant did not post the terms and conditions before placing the order. I told them the papers they sent was fake and false. There was no Terms and Conditions that were posted online Prior to the purchase or prior to the checkout. I told the Citi Cards billing dispute department, they can check it for themselves if what the merchant said was true or not. But they ignored me. I told the Citi Cards that I am not paying those charges even if they already made the decision because the merchant 's practice is questionable and their procedure is unethical and irresponsible.
Consumer complaint received 2015-12-23
Product: Other financial service — Refund anticipation check
Issue: Unexpected/Other fees — 
Company: U.S. BANCORP (RI)

I mailed a payment to the XXXX XXXX which presented to my checking account on XXXX/XXXX/15. XXXX/XXXX/15 I filed for bankruptcy this account was not included, because of this my insurance paid off the balance of my account causing an over payment. XXXX/XXXX/15 I requested to have the over payment returned, that request was not processed. XXXX/XXXX/15 second request for over payment started this was completed. XXXX/XXXX/15 I received my check and I deposited it on XXXX/XXXX/15 to my account. XXXX/XXXX/15 the check was returned unpaid as unauthorized. My checking account was then charged a {$20.00} fee for a {$25.00} check. I am not out {$45.00} instead of just {$25.00}. XXXX/XXXX/15 I contacted customer service to XXXX for a replacement of funds, they stated someone would contact me back and they would find out why the check returned. XXXX/XXXX/15 I have yet to receive a call back. I have contacted this customer service almost on a daily bases and either the call is dropped or they tell me a supervisor will call back in 24 business hours and yet I have not receive a call or my money. I have requested the telephone number to the corporate office and have been told there is no number. I checked on line found a number that is just a series of voice recording information.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Sale of account — 
Company: U.S. BANCORP (NC)

My Fidelity Rewards Credit Card account was sold to Elan Financial. Neither XXXX ( who had managed the account ) nor Elan Financial notified me of the change in account status. They also failed to send me a new card and I only found out about the change because my old card stopped working at merchants. Wait time to connect with an Elan Financial representative was over 20 minutes, twice. It is lucky I caught it now because payment is coming due next week and would have gone to the old address ( and been denied ) rather than the new Elan Financial payment address. Elan claims to have sent a letter and new cards, and gave me a bit of runaround before agreeing to send new cards.
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CA)

I received notice from a third party agency that they received a file for litigation on a civil suit, from US BANK ( US BANCORP ). 

This was in regards to a bank account I held with US Bank account that was closed due to fees when I was XXXX. The rep gave me the name of a collection company called XXXX XXXX XXXX and said that they were the ones suing from the debt acquired through US Bank. They said I will be expected to appear in court and would have to pay whatever the judge decides. 

They claimed I received numerous notices which I have not and they even called my mother whose information they SHOULD NOT HAVE. 

The bank account was debt was from 2000 when I was XXXX living in Washington. It has been over 15 years. The debt at the time was also under XXXX. I reached out to my attorney who advised that the Statute of limitations is 4 years. I was advised that the notices were probably never sent but they will have records of letters so that the judge rules in their favor. I have learned US Bank has done this before and this is also the second time in five years I have been verbally threatened over this debt.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NY)

I've been with this credit card company for many years but got really disappointed on they had set up a cheating scam in the balance transfer offer, that all the purchase balance if ever happened after the balance transfer, will be charged with a high interest rate until you pay off the ENTIRE balance transfer with 0 interest rates. This is totally a scam as the reason you want the balance transfer is about the time to pay, so I made XXXX  of dollars purchase after the balance transfer and I did made XXXX  of dollars of payment try to cover the purchase balance, however these had been putting towards the balance with 0 interest rates. Right now I got a XXXX dollars purchase balance subject to 18 % interest rates forever before I totally pay off the balance transfer because none of my payment had been allocated towards that balance!! 

This is a common cheating scam that few of the small credit card company would do that people should be aware. I've been using balance transfer with other credit card companies for years and I never had that problem. ALL THE PAYMENTS SHOULD BE ALLOCATED TO THE PRIORITY OF BALANCES SUBJECT TO HIGHER INTRESET RATE FIRST!!!! THIS IS THE GOLDEN RULE OF THUMB!!! YOU DON'T TEND TO CHARGE THE CUSTOMER MORE BY SETTING UP SUCH TYPE OF SCAMS!!! 

And even think about this, the customer trust you guys using your card to setup for stuff like autopay, you are going to make them pay for high interest for those purchases forever before they finished paying those balance transfer offers with 0 interest rate? 

The cardmember service stuff who answered the phone had a nasty attitude, refused to help and being very proud of they are doing the right thing, also claiming that's the standard in this industry! Why you are saying that!!! That's so funny. By the way, I think throughout my experience, the customer service attitude for Fidelity credit card is always the worst!!!
Consumer complaint received 2016-06-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (CA)

Unfortunately, I was in a position that I needed to take out a pay day loan. Much to my dismay I took a loan out from a very unethical organization. This company is XXXX XXXX XXXX, It goes and has gone under multiple names, XXXX, and has now changed its name to Big Picture Loans. I took out a {$1400.00} loan with an 647.6971 % APR of and later discovered the " Truth and Lending '' disclosure after the fact. They are under the assumption that they are immune to the guidelines and laws of the Federal Government as they have tribal affiliation. This is simply not true. I literally thought I misread the agreement when they explained after I received the loan of {$1400.00} but the document reads that I received {$1500.00} and if I paid the XXXX payments the total cost would be {$14000.00}. It is unbelievable that a company can get away with literally robbing the consumer. It sheds a bad light on organizations that make themselves available to loan money when you really need it. However when you need money you have to ask yourself ... at what price ... {$1400.00} for {$14000.00}. XXXX. This is a crime and should not be allowed. The hard financial situation is bad enough but that coupled with taking a loan from an organization that is taking more than full advantage of the customer is outrageous and needs to be remedied. In addition they are not licensed in the state of California.