davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (NJ)

I took out a {$2500.00} loan. I've made XXXX payments of XXXXXXXX XXXX. Now I'm being told that the loan us for 34 months and I now owe over XXXX. This was never explained to me or I would have obviously not signed up. I've tried speaking to management and that doesn't help at all.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EAST WEST BANK (CA)

In XXXX, my elderly father, XXXX XXXX, was a victim of financial fraud. East West Bank was aware that my father was experiencing cognitive decline, withdrawing large amounts of money ( about {$210000.00} ), and wiring these monies to foreign bank accounts from a joint account that my father, mother, and I held. Although we are long term bank customers where everyone knows our entire family, East West Bank did not notify our family or any government agencies about this fraud. Only after my mother and I learned about this fraud from an overheard phone conversation between my father and East West Bank and through a brokerage firm did East West Bank 's XXXX Branch Manager and the staff recount multiple instances of their interactions with XXXX about his aberrant behavior. 

We believe that had East West Bank followed the mandatory reporting requirements and taken reasonable steps such as contacting our family after the first time XXXX wired funds, we would have stemmed this financial loss. We are seeking reimbursement of {$170000.00} from East West Bank. 

Please see our XX/XX/XXXX letter to East West Bank and their XX/XX/XXXX response along with background information that was provided to the FBI in XX/XX/XXXX. 

Thank you for your help in this matter. 

XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/year> I received an email from Synchrony Bank that advised that if I continued receive a paper statement there would be an additional XXXX charge. 

I called the customer service number and was advised that I would have to sign up for internet access to the account. I am not comfortable to do this because I feel that that allows for additional possibilities for my information to be compromised. 

I feel that this is an excessive charge that is in line with usury fees. The standard interest fee is 29.99 %. 

My credit score is excellent and I do not feel this should be an acceptable charge. 

I have XXXX credit cards with Synchrony Bank. { XXXX XXXX XXXX XXXX XXXX XXXX }
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (AZ)

I recently applied for the XXXX Visa card issued by Comenity Bank. Even though the bank received my Social Security number and performed an inquiry on my credit file, they are now holding my application unless I send them a copy of my Social Security Card via US Mail, along with my driver 's license and a bank statement or other document. This is everything someone would need to commit identity fraud and I can not believe this bank is allowed to operate in this manner.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023 I paid XXXX to XXXX XXXX using XXXX, and charging to the American Express CC ending in XXXX On XX/XX/2023 XXXX XXXX cancels the order, and refunds the order. XXXX delays the refund, and the Consumer files a chargeback with American Express. American Express refunds the amount, and the following day XXXX refunds pending amount too. American Express then reverses the refund they issued, on XX/XX/2023. On XX/XX/XXXX XXXX receives the chargeback request from American Express, and refunds again, while accepting the chargeback request. American Express receives the second refund, and kept the money, by never crediting the Consumer Credit Card, nor returning the second refund to XXXX. XXXX then charges the Consumer 's XXXX Account leaving a negative balance for the same amount, and starts collection efforts with XXXX, and by themselves. The consumer has notified American Express several times about the fact, but American Express has not been solving the problems with XXXX, and has been retaining the second refund causing legal expenses by Consumer, while fighting XXXX XXXX XXXX is declaring in writing about these XXXX deposits to American Express, and Amex has retained the second one, after XXXX accepted the chargeback, and charged the XXXX cash account from the consumer. American Express has caused me to incur in legal expenses for more than XXXX to prepare lawsuits and answer the XXXX and XXXX. XXXX XXXX has neglected by phone to talk to XXXX, and has neither credited the credit card nor refunded to XXXX the second refund transferred. I demand the retained payment and the payment for the legal expenses which are growing and will be more if I have to take them to court. The files show how they never credited the card the second time. And reversed previously the deposit. Now the consumer has to pay XXXX, and American Express is keeping funds from the consumer.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

Name on the card is my married name : XXXX XXXX XXXX On XX/XX/XXXX I was charged {$16.00} in interest, I pay my bill in full each month. The XX/XX/XXXX bill had a total of new charges of {$90.00}. I paid {$250.00} as I have a promotional 1 year zero interest facial procedure that was charged on XX/XX/XXXX, expiring at the end of XXXX XXXX that I am paying down. I assumed that in error they charged interest on the promotional balance. My last email from XXXX ( their customer service agent ) said she could not help me without explanation as to why they were not removing the incorrectly charged interest. 

It is my opinion they do it thinking no one will go to the trouble to fight for {$16.00} in interest. 

I want the interest removed.
Consumer complaint received 2024-05-01
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

I opened up an account at XXXX XXXX XXXXXXXX and had 18 months of interest free financing from Synchrony Bank. On or around XX/XX/2024 I received a letter stating that there were changes to the promotional interest free period. I am 6 months in to an 18 month interest free period. They are now saying that they will now be charging 2 % of total promotional transaction amount with duration of 18mo or more. I have paid on time since the opening of the card. This is in violation to the terms of their promotion and I do not think it is fair nor just Is this legal? They state it will take place XX/XX/2024.
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

Hello, I went to XXXX XXXX graduating in 2007 with an XXXX XXXX XXXX with over $ XXXX in debt. XXXX XXXX has closed and has been found for defrauding students and being a scam school. My borrower defense application for my public loans is # : XXXX but the amount I was defrauded in private student loan debt to this day is a financial burden. 

I am requesting it be looked into that my loans with Navient are refunded due to XXXX XXXX defrauding students and my final private loans with XXXX be discharged.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

My Discover Card reduced my credit limit even though I have made all my payments on time, always paid more than they minimum amount due and have never come anywhere close to the credit limit they stated because balance on cards are to high with others and because I have finance company accounts on my credit file. NONE of my accounts have ever been delinquent with any of my creditors. I have an EXCEPTIONAL payment history. There was no reason for them to reduce my credit limit at all doing so caused me harm by making my credit usage shoot up. What the XXXX is up with these companies it like here is the card but don't use it!
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

My XXXX Credit Card serviced by Synchrony Bank ( SB ) is missing a payment made on XX/XX/2024 for {$32.00}. I previously filed CFPB Complaint XXXX. SB requested Proof of Payment ( PoP ). I requested PoP from my bank ( paying bank ) and sent it via SB secured messaging on XX/XX/2024 ( no reply from SB ). SB bank replied to CFPB Complaint XXXX on XX/XX/2024 that they never received the PoP. With the above stated, again is my PoP ( see attached ). I asked my bank why a 21st Century bank only permits paper check payment vs ACH and they stated the receiving bank sets the payment method. Also to note, the payment was made on XX/XX/2024 and the check was cashed on XX/XX/2024 ( 14 days after payment ). A previous payment on XX/XX/2024 took 11 days to clear and a post payment on XX/XX/2024 took 13 days to clear. XXXX mail takes XXXX days across country for arrival. Last to note, SB Secured Messaging does not retain a history of Sent messages.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

This is in reply to complaint # XXXX which was submitted at the end of XXXX and complaint # XXXX which was submitted at the end of XXXX. It is now the end of XXXX and we're doing this again. 

I've been told by Chase to contact them via e-mail which I did and never heard back. Since Chase replied to the first complaint with this information this case was automatically closed. 

I was told to call a direct line to the Executive Offices which I did and never heard back despite leaving a voicemail with my name and contact information. Chase replied to the first complaint with this information this case was automatically closed. 

CFPB please do you XXXX job and protect me as a consumer. I'm literally being forced to make making multiple complaints about the same problem each time Chase replies because when they reply, the case is automatically closed. Chase has refused to compensate me and fix the problem despite my following their directions. I've received letters telling me I have 2 days to reply even though by the time I receive the letter 2 days has already passed. I've been told to e-mail and call them back at a specific number which I do and still have heard nothing back. This is XXXX insane how a business is allowed to operate like this. My tax dollars has bailed out Chase but they can do nothing to help me when I need it. 

I've been promised multiple times that the problem will be fixed but nothing has been fixed. I have not received my points.
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (NC)

I was seen a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC. A two hour XXXX  visit cost {$19000.00}. My husband had paid some on the bill until i received a print out for the bill and there were four bags of XXXX XXXX. The charge was {$250.00} per bag. I only received one bag. This is over charging and falsifying charges. I am an XXXX  and was even working there as a XXXX XXXX. ( 4 bags ) is equal to XXXX XXXX. This amount would cover a four day in XXXX XXXX. This is falsifying charges. This is a for profit facility. I have spoken with them repeatedly. The balance is down to {$330.00}. This is an over charge of {$750.00} dollar for XXXX XXXX  not received. I was there for only two hours back in a room. I was there for about four hours. This much XXXX XXXX would cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still disagreeing with the charges from XXXX XXXX XXXX. Now they still refuse to correct their mistake or refund us the over-payment and have forwarded the final balance of {$330.00}, which I do not owe to a new collection agency named Capio Partner located in XXXX Texas for account # XXXX for a date of service XXXX have disputed this amount with XXXX XXXX XXXX and the FTC . I do not owe this amount. I should be getting a refund.
Consumer complaint received 2020-10-10
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. (FL)

XXXX XXXX XXXX account was open by someone who lived at a address at XXXX XXXX XXXX XXXX, FL I never lived at this address this address was not mine
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (TN)

I have had this kovo account for a while now. I usually pay on time since its {$10.00} a month but months had went by of me not receiving any reminders or notifications of any upcoming payments, I even had an issue logging in due to change in phone number and could not get help from anyone to get back in my account. I was able to log in months after and saw it was past due. They also reported late payments on my credit which had drastically caused a dropped in my credit score. There isnt even an option to pay the account off so you can be done with it. I didnt want anything else to do with kovo after trouble getting my account, I just wanted to pay off once I was able to log in but no option.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (NY)

In relation to a XXXX divorce my ex-wife Quit her claim on the deed at the subject property. I have been attempting to assume the entire loan since them under an Assumption. 

The initial request required, per XXXX XXXX, the Lender, a social security card which could not be located at the time and has since been located. 

When following up with the Assumption three years later after rates had doubled, now the Lender ( Roundpoint Mortgage who bought the loan with XXXX XXXX ) wants to force a refinance on me in order to double their rate. My ex-wife 's income is minimal and has contributed minimally to the credit profile of the loan.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

In XXXX, I received an offer from American Express that arrived via email or the USPS. ( I have been an AmEx customer for many years. ) The offer was : that I apply for and receive a XXXX XXXX XXXX credit card and spend {$15000.00} on the card within XXXX months. AmEx would then pay me a {$750.00} bonus as a credit to the account. 

I fulfilled the terms of the offer clear as a bell. The account opened in XX/XX/XXXX and by the XX/XX/XXXX statement, I had charged much more than the {$15000.00} offer requirement. So I should have received the {$750.00} bonus at that time or soon thereafter. 

When I did not receive the bonus, I contacted AmEx on XX/XX/XXXX and it claimed it had no record of the bonus offer. The service rep started a " case '' ( reference # XXXX ) to investigate my complaint, but I never heard any reply from AmEx. 

Today, I contacted AmEx again, and it now says that " no offer is attached to my account '', but the rep said she would start a new complaint " case ''. 

I have XXXX trust in AmEx at this time and would like the CFPB to investigate/inquire about this on my behalf. I knew about the offer due to AmEx 's promotional mailing, and I fulfilled the terms it specified. I now rely on the CFPB to shame AmEx into living up to its obligations. 

Many thanks for your assistance. 

XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I got a letter from Synchrony Bank dated XX/XX/year> stating that the terms on my account has changed. 
It has a note in it that I have the right to reject the changes other than any changes to the APR ( s ).

Two of the changes are very objectionable : 1. There is now a promotional fee. The promotional fee is applicable to any purchase made before the effective date.

2. They are now charging a statement fee. 

I called up the number provided XXXX, thinking I can reject the change. I get an automated message saying this is to cancel the account. I called the regular customer service line XXXX to get clarification. The customer service rep is saying I would be closing the account so it can no longer be used, which I am fine with but then they will continue to send me the bills and charge me the fees I have rejected.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NV)

Over 90 days ago, I wrote Credit Collection Services, and XXXX requesting proof of validation. So far, none of them have been able to provide such proof to me. I have sent three follow-up letters to each of them and there has been no response. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

My account was charged by a company called XXXX XXXX, i did not recognize or make the charges. I filed a dispute with documentation showing i contacted the merchant, showing the merchant should have been blocked because i had an issue with them with another bank. Chime financial did not investigate they just closed the dispute.
Consumer complaint received 2024-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (GA)

I decided to end a loan request with the dealership/sales team. I was able to complete this cancellation. However, the company completed the process of direct billing from my checking account for {$190.00} shipping and {$500.00} BEFORE they approved the loan completely. I have an attachment from the sales unit apologizing for the sketchy process and advising me they will not return my money until XXXX to XXXX business days. Mind you these funds have cleared my account and have been finalized leaving my account in a negative ( attachment provided ). 

Finally attached are requests proving the requirements were NEVER completed.
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (FL)

After checking credit report I found out fraud activity and accounts which are not belong to me. However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. 
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
I uploaded my personal information like SSN, DL, Proof of the address and Identity Theft where all fraud accounts were listed. Please remove them as soon as you can.
Consumer complaint received 2016-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CA)

I called XXXX University while enrolled at XXXX for my XXXX -- Checking on their class schedule for comparison ; The sales person enrolled me in an intro class -- I did not authorize, did not attend. 
-- I spoke to school business management -- who told me that the charge would be removed. The school after several attempts has failed to remove charge and sent to collections : Caine Weiner ( they told me to call school. )
Consumer complaint received 2020-06-25
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. (GA)

There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following accounts are showing Inaccurate Late reportings : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) Bal : {$150.00} ; I was never late. 
XXXX XXXXl - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX   & Equifax ) ; Bal : XXXX ; I was never late. 
XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX  ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX