davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

I do have to start by saying I thought I had already submitted this but it was not submitted due to internet issue at the time, we had extreme weather which caused internet issues. My complaint is against Synchrony Bank. My wife was laid off and we fell behind on our bills. She is currently back to work and we are catching up on the bills. We received a letter for your amazon account for a settlement of XXXX over 3 installments. I had JUST received a health insurance stipend at work and I wanted to take advantage of this ASAP. The DAY I received this letter for the settlement I called. The first rep refused to accept the settlement amount. He refused to accept a payment on the account. After waiting on hold for 30mins for a supervisor. I was advised there was nothing that rep could do and that I had to call Right back to speak with someone that could help me. This made no sense to me. I was just trying to make a payment. I then called back and spoke with XXXX XXXX in XXXX XXXX ID # XXXX who said he would only take the payment in full and basically there was no letter sent. His supervisor also refused to honor the letter. I advised them That I had enough to do a XXXX % settlement in full If they were willing to do that. They refused any wettlement on the account and would not accept any payment. At that point I advised them I would file this complaint they did not seem to care. 
The next day I called back and spoke with a XXXX XXXX I believe. I honestly do not remember his name. We advised me that since I did not set up the payment arrangement the day before the settlement went up to XXXX. The fact is that I did try to make a payment the day before with XXXX reps and they would not take my payment. Why would the bank issue a letter and say one thing and it mean is n't even true. I am willing to make this in three payments. But what I would l really like to do is settle this with a one time payment of XXXX % which was roughly {$660.00}. I have enough to make the XXXX % settlement in a one time payment. But my main concern is the false letter I received from synchrony bank. Why would they send it out if they wont even honor it?
Consumer complaint received 2015-09-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (GA)

I no longer use my M & T account. I accidentally selected it to pay a bill online and it became overdrawn. M & T did not notify me via email, despite the fact that that has been their standard practice for fraud notifications and updated statement notifications. They deliberately chose not to use that standard form of communication to collect excessive overdraft fees. The bill was due XXXX/XXXX/15 the last time I had checked on the M & T account had been XXXX, and they are showing the bill in question coming out of the account on the XXXX, which is not correct or was outside business hours. I only found out about the overdraft because I could not see where the bill came out of my main bank account on the XXXX. I immediately scheduled a transfer of funds from my main bank account and called M & T they told me that since I was a good customer they would waive the overdraft fees. Despite this conversation which occurred on the XXXX, I was hit with a 5 day extended overdraft fee. I believe that M & T 's deliberate choice to not contact me via email when the overdraft occurred as well as charging me a 5 day overdraft the same day they told me they would waive the overdraft fees amounts to a UDAAP violation for deceptive practices. I would like the 5 day overdraft fee to be waived and for this account to be closed immediately.
Consumer complaint received 2015-09-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (DE)

XXXX XXXX XXXX called my home XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from XXXX XXXX XXXX and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by XXXX XXXX XXXX
Consumer complaint received 2016-04-26
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NJ)

I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran. 
I am attaching a copy of the power of attorney.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (FL)

I disputed this debt with XXXX because I do not owe anything to XXXX XXXX XXXX for a Chase Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to XXXX XXXX financial and cashing it on this account for Chase bank. They have now reported to XXXX that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
************************************************************************************ 1 ) Have asked for a final settlement on XXXX/XXXX/16 in order to pay in full - Chase refused to comply. 
2 ) XXXX/XXXX/16 Chase issued a regular settlement, the same day I received the statement I made a full payment, including the disputed amount. 
XXXX/XXXX/16 Chase notified me of residual balance of {$9.00} interest for the time they issued the statement. 

Clearly I asked them before to settle in full and Chase refused, this is fraud.
Consumer complaint received 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

Our current mortgage is with Chase, at an interest rate of 8.249 % down from 9.99 % after finally getting them to modify the mortgage a few years ago. We are underwater on our mortgage but have never been late or behind on the payments and have been with Chase since 2008. Chase is unwilling to modify, or reduce our rate to the current national rate. My credit score is XXXX and my wife 's is XXXX. We do n't dispute the outstanding balance, we feel that Chase is taking advantage of the situation and will not work with us to lower the rate. Due to the fact that the mortgage is held by Chase, not XXXX XXXX or XXXX XXXX, we do not qualify for the HARP program. All we are looking to do is to be able to refinance at the current rate. If seems that because we have always made the payments on time and try to do the right thing, we a being taken advantage by Chase for being a responsible citizen. Again, all we are looking to do is lower our interest rate, I hope you can help our situation. Thank you.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (AZ)

I was advised last week that a credit limit on a card I have issued to me by Barclay Card was lowered from {$8600.00} to {$6500.00}. I contacted the organization, and they advised that the right to reduce ( or raise ) the credit limit exists at their discretion, and it 's explained in the credit agreement that I signed when I had my card opened. While I did find that, what is troubling is that they accessed my credit report without my explicit authorization. I granted Barclay the right to access my credit report when I first opened the card, but not any subsequent times, which they assert is how they came to the conclusion to reduce my credit limit. I 've NEVER given Barclay ANY reason to think I would n't pay my credit card payment or the balance due. I 've always paid on time, I 've even paid off the card in total in the past. This reduction is unacceptable to me, as it should be to anyone who is an account holder at Barclay.
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

I have been receiving repeated calls at my residence telephone of XXXX from the following companies : Synchrony Bank XXXX, XXXX XXXX XXXX and a collector from XXXX that are looking for an XXXX XXXX or XXXX XXXX XXXX. 
I have told them repeated times that I do not know any of these people and to stop calling. However, they continue to call. I ask your office 's assistance in having these companies verify those numbers that are called attempting to collect a debt and not just simply call random numbers ( that stay on their lists and are called constantly ). Please assist with this annoying problem. Thank you.
Consumer complaint received 2015-11-12
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC. (TN)

They have called me before XXXX, called my family member 's saying they are looking for a reference but its to collect a debt, and I asked them to send me in writting about my student loan. 

Last week I got a letter XXXX witj XXXX logo that my wages were going to be garnished. I called the number and it was the harassing Pioneer Credit Recovery. 

I said I thought this was to get caught up on my loan directly to the government not a debt collect and they put me on hold.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Navient purchased my loan from XXXX XXXX three years ago. When they completed the purchase and shortly after my loans were deferred due to being out of work. For one entire year they failed to inform me that the loan was no longer deferred according to their records. I was NOT informed of this. As a result, I was subjected to negative credit reporting which has ruined my chances of purchasing a home. I asked them to update due to their error in reporting and they refused.
Consumer complaint received 2015-11-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

I was sent a letter to owe the amount of {$51.00} on my BANANA REPUBLIC credit card account. I paid off all amount that was due on that credit card and it currently shows on my online account that I have no amount due at this time. 
The last payment I paid in full was in XXXX XXXX, 2015. 
I do not understand why I am receiving a letter from the collection department for an amount that I did not even spend. Please fix this false statement.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (NY)

While at a XXXX XXXX art auction on a cruise ship ( XXXX XXXX XXXX ) the Park West employees placed a number of art works on the stage. The auctioneer then told the audience that as a reward for simply applying for a Park West Collectors credit card the applicant would receive any XXXX of the artworks displayed on stage absolutely free. I filled out the application and told the Park West employee my choice of the free artwork. At that point I was pressured to purchase XXXX artworks by the same XXXX for a total of {$810.00}. I chose not to purchase these artworks, indicating I only wanted the piece of art that was offered for free. I was then given an appointment to come to the Park West office after the auction, which I did at the appointed time. Upon arrival the representative told me my choice of artwork was out of stock and that I would have to pay {$35.00} to have it shipped from another location ( I found the same piece of art listed online for {$35.00} with free shipping included ). I told the Park West employee that there is at least XXXX such piece of art available-the one that was displayed on stage. I further told the representative that It is deceptive to display such a piece of art as available at no cost when it is in fact not available. I then told the representative that I wanted to withdraw my application for the credit card and demanded the application I had completed. The representative gave me the application and I left with it, thinking this was the end of the matter. Upon arriving home I discovered an E Mail from XXXX XXXX indicating a new credit account had been opened. I went to the Credit Karma website and discovered that Park West had in fact opened the credit card account against my stated desire .It is a Park West Collectors card through XXXX Bank XXXX
Consumer complaint received 2016-03-21
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: VW Credit, Inc (AZ)

Volkwagen XXXX XXXX and Volkwagen Credit, made an improper " hard '' credit inquiry in 2014 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. I authorized XXXX inquiry during an application of the lease of a vehicle. I contacted the reporting credit bureaus who referred me to Volkswagen Credit and its agent, Volkswagen XXXX XXXX. To date, only Volkswagen Credit responded and refuses to remove the inaccurate data. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiry.
Consumer complaint received 2022-10-01
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)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2016-10-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JDJ Investments, INC. (LA)

These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of Hipaa. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a Hipaa Violation letter to these reporting collection agencies.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CO)

Effective XXXX/XXXX/16, XXXX XXXX XXXX XXXX XXXX XXXX ) sold my mortgage to BSI Financial Services.I made my XXXX 2016 payment of {$880.00} to XXXX and they notified me that my loan adjusted effective XXXX/XXXX/16 to 3.50 % and the new payment would be {$980.00}. As of XXXX/XXXX/16 BSI is charging me {$1500.00} ( with the 3.50 % adjusted rate ). I have contacted XXXX who said that the {$980.00} amount is correct. I have contacted BSI repeatedly and they said that they are working on the paperwork and the correct loan payment amount. My concern is that I will be charged late fees and that the interest rate will change. Today is XXXX/XXXX/16 and BSI has still not resolved this issue.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (TN)

My mortgage is with BSI Financial. They claim I am behind XXXX payment on my mortgage. However, they refuse to take my calls. My so called " agent '' handling my affairs is either quitting, unavailable, or on the other line. I have had XXXX agents assigned to me since XXXX 2015 ; The XXXX was XXXX, who never would return a call. XXXX was XXXX XXXX, who cold called me XXXX to collect but would never again be heard from. Now, I have been assigned to a XXXX XXXX, who is following suit. XXXX have quit, so they claim, the XXXX will not return my calls or give me written proof of their claim against me. 

Also, there is a middle manager, XXXX XXXX, who I spoke with some XXXX ago. She said I have not fallen behind and that the clerical error was in fact BSI fault. She also told me over the phone that she would wave all fees associated and that I was in good standing. Unfortunately she did no such thing. The fees and everything persist. 

I called this week and a XXXX answered the phone. He claims that he has never even seen XXXX, that she does not take calls from customers, he even told me that she has no phone extension. He was very defensive and rushed me off the phone. 

Yesterday ( XXXX XXXX ), I left a message for XXXX @ XXXX and heard nothing. So I called XXXX and spoke with XXXX XXXX and she contacted BSI. At XXXX ( BSI closes @ XXXX ), XXXX calls but I am unable to answer, not to mention I did n't expect a return call at closing. I immediately called back, but she does n't respond. Called her again XXXX XXXX at XXXX ... nothing. 

I have begged for months for these people to simply give me, in writing, a legible printout of where I have missed a payment. I have begged for someone to contact me and simply discuss the matter. XXXX minutes would do. 

There are easily found sites where people have made similar complaints. BSI Financial is running a scam. They are simply scamming people out of thousands of dollars using intimidation and threatening to ruin credit, harassing phone calls, etc. 

http : //www.consumeraffairs.com/finance/bsi_financial_services.htmlhttp : XXXX : XXXX
Consumer complaint received 2016-12-17
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (UT)

I used Xoom.com to request a money transfer on XXXX XXXX, 2016. I received notification that the transaction was complete on XXXX XXXX, 2016. I use this service almost every month to transfer from my XXXX account to my XXXX account with no problem. This time I was travelling to the XXXX to be with family for XXXX and so, transferred a larger amount than usual {$1000.00}. XXXX I got to the XXXX, I was notified that my standing order to a XXXX company had been returned unpaid. This prompted me to check what had happened and I found that my {$1000.00} had not been transferred to may account. I have been in contact daily with Xoom, com since then and each time, they just say that they are waiting for an update from their partner ( I assume XXXX ). It is now 13 days since I requested the transfer and 9 days since they confirmed that the transfer was complete and I still have not seen the money. It left my XXXX account on the XXXX of XXXX. So Xoom.com has my money and is making interest off it, whilst I 'm unable to pay my standing orders!!
Consumer complaint received 2016-11-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted by phone # XXXX with XXXX XXXX to pay off a loan through ACE CASH EXPRESS back in XXXX first they had an office with the XXXX COUNTY call me telling ot me to XXXX XXXX or a warrant will be in my name come XXXX. this was originally done 2 months ago. i thought this was legit bc i called the XXXX county office and also looked up their phone # online and it was verified that it was with the XXXX county office so i paid a total amount of XXXX i have the receipt and letter showing it is now paid off in full. they still answer their phone and the ace cash express dept that i had on my credit report is now gone and closed. i just received call yesterday from a XXXX XXXX XXXX with the dept of justice with XXXX from phone # XXXX account # XXXX stating that i owe XXXX for a payday loan with ace cash express and that they will go forward with fraud charges if i dont pay that amount. i am really scared and worried that this might be real bc i dont want to get arrested for something i already paid and is now off my credit report but i have the supporting documents to show that i paid and i also called ace cash express and spoke to the collections dept and they stated i have a XXXX balance. i also spoke to my lawyer and my lawyer ( XXXX XXXX ) advised me to ignore the call bc the dept of justice does not harrass people to make payments on a loan. i am terrified that i might get arrested and have not been in trouble with the law and i have XXXX daughters that i am supporting and i can not miss any work and i am a single mother who does not receive any kind of goverment assistance or child support. i wouldnt want my girls to see me get arrested if this is real. i couldnt evven sleep last night bc of this call. she was mean and rude and couldnt answer and wouldnt answer my questions about the debt. please help me. thank you