davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2022, XXXX unauthorized charges were fraudulently made to my Chase card, totaling {$2300.00}. I reported the charges to Chase, which initially reverse the charges before revoking their decision, claiming that I received benefit from the transaction. The charges remain on my account. 

Obviously, I had not made or authorized the charges my card information had been stolen and I had nothing to do with the transactions. I filed a police report with the XXXX XXXX Sheriffs Department ( permanent case number XXXX ) and further disputed the transaction by mailing a physical letter to Chase on XX/XX/XXXX. I used XXXX certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX in case they want to deny receiving it. The letter demanded that they provide me with the evidence they based their decision on, as the law requires them to do. They have not responded in any way. 
I also used their secure messaging service on their website on XX/XX/XXXX and XX/XX/XXXX to ask for a response. In both cases I got an automated we received your message with no subsequent human follow-up. 

On XX/XX/XXXX, I sent another physical letter. No response. 

In no case has Chase responded to any of my communication in any way whatsoever. 
Worse, Chase knows that the charges were in fact fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Department told me via email ( screenshot attached ) that Chase has an investigation ongoing involving this suspect as it appears numerous cards were used through the digital wallet. 

XXXX says The creditor must acknowledge your complaint, in writing, within XXXX days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within XXXX billing cycles ( but not more than 90 days ) after getting your letter. The creditor has not acknowledged my complaint, in writing or otherwise, and they have not resolved or even acknowledged the dispute despite far more than XXXX billing cycles having elapsed. At this point Chase is both in violation of federal law and complicit in a two-thousand-plus dollar fraud against XXXX of their customers. I ask that you force them to resolve the situation as the law requires, and frankly I wouldnt mind if they pay an additional price for their unlawful behavior.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AZ)

On XX/XX/XXXX and again on XX/XX/XXXX, I asked Barclays to close my credit card account ( XXXX XXXX ). Note that I had previously paid my account in full and there was no outstanding balance at this time. 

My instructions were submitted to Barclays using their own proprietary email system. Screen shots attached. 

During XX/XX/XXXX, having failed to close my account as I requested, Barclays billed me a {$99.00} annual fee. 

I contacted them again on XX/XX/XXXX and told them that they had ignored my XXXX previous attempts to close my account and again ( yet again ) asked them to close my account. 

Today I received a letter from them dated XX/XX/XXXX stating that my account had been closed, but the {$99.00} fee is still in dispute status and asking me to pay this amount. 

I believe that Barclays deliberately make it as difficult as possible to close an account with them, so that they can continue to charge an annual fee. 

XXXX XXXX
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (TX)

I have been charged overdraft fee 's unwarranted by Comerica bank for XXXX unauthorized for $ XXXX.each resulting in fee 's of {$140.00} fee 's between XXXX XXXX and XXXX XXXX 2015 and was charged a continuous OD fee of {$6.00}. resulting from these withdrawals of overdrafts fee 's and caused XXXX more OD fees in this same period because of fee 's taken by the bank. Also have other transactions such as teller counter withdrawals of {$30.00} which I inquire balance before withdrawal and balance was $ XXXX.but the next day I received OD charge was told had a pending soft post the teller could n't access on her system therefore she gave the wrong info on my balance and allowed a withdrawal when funds really was n't available which cost me {$34.00}. I 've called to address this for the last XXXX and very little to no response from their escalation dept.to get this resolved
Consumer complaint received 2017-04-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ATG Credit, LLC (GA)

On XX/XX/2016 I checked my credit report and ATG Credit LLC is on my credit report for an unknown account with the amount of XXXX. It states the account was opened on XX/XX/2016 which is a LIE BECAUSE I did n't open any accounts in XX/XX/2016 that went to collections. ATG Credit did not contact me nor did they send me a letter informing of what ever debt this is which violated my right as a consumer to dispute or have whatever this debt is validated. According to the FCRA a collection MUST notify the consumer by letter of the debt to give the consumer a chance to ask for validation to dispute the debt. My rights was violated and I will be seeking to file a civil suit. This account needs to come off my XXXX CREDIT REPORT ASAP.
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (KY)

On XX/XX/2016 at XXXX charges were made at a XXXX store # XXXX in XXXX XXXX. I live in the state of XXXX. The first charge was for XXXX @ XXXX, the second was for XXXX @ XXXX. The last purchase I made was at XXXX at the XXXX XXXX XXXX in the town where I live in XXXX. When I found the fraudulent charges on XX/XX/2016 I immediately called and reported them, and I disputed the charges, and cancelled my card. Direct Express refused to put the funds back on the card even though they seen the charges were made in Ny. But still wanted me to dispute them which they say takes XXXX days. I called on the XX/XX/XXXX, they had no record of me disputing the charges! So I had to start the process all over again. This is my XXXX check, and my account is drained. They tell me there is no phone number to talk to the people who investigates fraudulent charges nor is there a corporate number to call. Something is n't right with this company.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MN)

Mr. Cooper Mortgage XXXX XXXX XXXX XXXX, TX XXXX Complaint Department XXXX 
XX/XX/2021 Subject : Mortgage Lender Complaint : Mr. Cooper. 

I had a 1st and 2nd Mortgage with Mr. Cooper. I had a mortgage with this company for over ( 15 ) fifteen years in which I never had one late payment. The problem came when I received a notice stating that my balloon payment on my 2nd mortgage was coming due. I called up Mr. Cooper that same day to start the process to refinance the 2nd mortgage. I sent them all the docs required as well as a financial statement. This process with all the information literally took them months to process. In the meanwhile I was served with a foreclosure notice for non-payment on the 2nd mortgage. Bare in mind I was continually paying my 1st mortgage on time and offered to continue to pay on the second. The processor I was dealing with told me not to worry about it that they were close to finishing the process. Month after month of continual follow up to Mr. Cooper I was assured that they would have this issued settled and it would not be reported to the credit report agency. I started researching my credit reports and my credit took a large hit due to them reporting to the credit agency. Once it showed up on the report Mr. Cooper called me and told me they couldnt renew my mortgage because my credit score went down and I didnt qualify. Although its hard to prove intent I strongly believe they were holding off closing on purpose so they could take my home from me. These situations are not uncommon with Banks and lending institutions. Its all about the money. I ended up selling my house so they werent able to foreclose in which I have told them time and time again to take the negative report off my Credit reporting agency. To this day they have not. This whole issue is not a fair practice of lenders such as Mr. Cooper and all I ask is take it off my report. 


Sincerely
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (ME)

Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

On XXXX/XXXX/2017 I returned XXXX items to the Walmart store at XXXX XXXX XXXX XXXX XXXX. The refunds were for {$1.00} ( on my Visa card ) and XXXX cents ( on Walmart mastercard ). The customer service clerk said the amounts would be returned to my Walmart mastercard and my Visa card. I have received my mastercard statement for the billing period ending XXXX/XXXX/2017 and there is no refund posted for XXXX cents. I called Walmart mastercard and the csr XXXX verified that is true. " XXXX '' said the refund would be posted on my NEXT statement. Why should it take more than one month for me to get this refund for merchandise I returned on XXXX/XXXX/17??? 
I also called my XXXX XXXX customer service today and " XXXX '' said no refund for {$1.00} has been posted to my account yet. The csr suggested I contact the merchant ( Walmart ) I called the toll free number for Walmart XXXX and the ONLY option given was a store locator. Since I 've tried before to call the so-called customer service dept of this walmart store -- in several fruitless attempts to find out when my " same day '' ( NOT ) toaster would be available for pickup & NEVER got to speak to a human being willing & /or able to answer my question -- I decided to not call the customer disservice department of the store. And of course walmart mastercard ca n't answer questions about refunds credited to another bank 's card. ( I asked ) So again I ask : why is it taking so long for a {$1.00} refund to post to my credit cards. Walmart got its merchandise back. Where 's my money??? Why does n't Walmart just issue cash refunds rather than making customers wait so long for refunds?
Consumer complaint received 2016-02-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CONDOR CAPITAL CORP (MD)

I 've been having on-going issues with my automobile lender, Condor Capital. My primary issue of concern, is that the auto company took my loan off of my credit report while I was still making payments. Although I 've made monthly payments, it always appeared that I carried a balance, which in turn additional penalties and interest applied. So regardless of my monthly payment, I was always behind. Although I purchased my vehicle in 2012 for {$15000.00}, I still have a balance of over {$13000.00} after four years. There 's something terribly wrong here. Also, my car was repossessed this morning. I have n't received a phone call, an email, a letter in the mail - only to pay the bill, which I disputed because I had issues with the payments posting incorrectly. I can not understand how a company can operate under such pretenses.
Consumer complaint received 2016-09-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Geneva Financial, LLC, Chandler, AZ Branch (NC)

Geneva financial created alleged money that was advanced on behalf of me from thin air by bookkeeping entry. They willfully and maliciously led me to believe they gave me a loan, in which I receive no alleged money.They did not disclose to me that my signature allowed them to create the money on my behalf. The money created never went into my account, nor did they disclose to me when they acquired the money through monetizing the note ( promissory note ). They led me to believe they were acting in good faith with clean hands and the alleged loan documents were lawful binding contracts. I was unlearned an unaware a novice to the laws and operation of the bank and real estate industry and this company took advantage of this fact to fraudulently deceive me. The alleged loan document contract is ultra vires, void by not meeting the lawful requirements of a contract, to wit : 1 A 'meeting of the minds ' did not occur ( full disclosure of the facts involved in the operation of the contract. 2. no valuable consideration was exchanged, on this note promises were made however I did give and ambiguous signature, they in return never signed, there was no risk or liability on their part, because no money was loaned. I am not liable by my signature as well. They did knowingly create fraud against me the proof which is on the the Summaries of transaction box 22 it clearly states " Total paid for by the borrower '' proving the home is already paid off by my signature but this company keeps sending documents through the mail misleading me to believe i still have an outstanding debt obligation.They too are threatening foreclosure action even though their first lien is past the 120 day STATUE OF LIMITATION .U.S.C.78c Section 10 violation of Regulation Z, violation of the code of federal regulation 12 CFR 226.23 and 12 U.S.C 226.23 Appendix H have all been violated which gives me right of rescission. Geneva Financial never disclose their note is a security. In selling my security to XXXX XXXX where is my portion of the dividends? Where is the interest from the money they are making through UCC 8-102. I have rights to the funding source which was my signature. They are not allowed to hold a note period. Nor or they allowed to loan their own money or depositors money, so where is the money coming from they loan me? They got the money from my credit. The security agreement was done in constructive fraud, and violates every disclosure requirements. Signing a note for me is fraud / lack of full disclosure and identity theft. Base off documents they made money off my credit 3 times, however it could be more. There was no disclosure stipulating the utilities left in the house, I was told all utilities left in the house belonged to me. A fridge, washer and dryer were stolen from the home which throws off all their loan calculations by XXXX dollars.
Consumer complaint received 2016-11-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Social Finance, Inc. (NJ)

Applied for forbearance with SoFi via servicer ( XXXX ). Docs were sent on XXXX and I did not receive written decision as of XXXX/XXXX/2016. No explanation was provided within 30 days and as a result my loan is close to default ( 120 days ) .The lender, SoFi , did not respond within the time frame ( 7- 14 days ) described within their forbearance request policies and procedures ; 33 days have elapsed. Upon inquiry with the servicer, They noted I did not engage with their career services department. This was not noted as a requirement or contingency for general forbearance, and as a result I believe my request was rejected. I only learned this through a conversation with a Servicer Representative and not in writing as requested. As a result my credit continued to be impacted negatively and my loan is at risk of falling into default. I am willing to pay but at the moment lack the ability.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

Student loans were consolidated with XXXX XXXX, at which time a graduate payment schedule was set up. The servicing of the loans was transferred to XXXX XXXX and then to AES ( current servicer ). AES 're-disclosed ' ( AES term ) my loans, which changed the originally agreed payment schedule. This change made by AES ultimately extends the term period and charges more interest than agreed with XXXX XXXX. On XX/XX/2017, I contacted AES and filed a compliant, explaining that this is a violation of UDAAP and possibly Reg Z. I was told I would hear back in XXXX business days. On XX/XX/XXXX, I received no correspondence from AES so I placed another call. I spoke with XXXX different levels of Customer Service Rep. and they all told me there was nothing they could do, because their system was unable to accommodate the initial payment schedule.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CT)

I applied to refinance my mortgage with " Loan Depot '' who told me they would match any interest rate being offered by anyone else. They did n't do it. I went to another lender. I already paid for an appraisal with Loan Depot, the new lender needed an appraisal done and I was told I would need a transfer letter from Loan Depot to use the appraisal that we had just done, I asked them for the transfer letter but they refused to submit it. I had to pay for another appraisal. I 'm told they are required by law to transfer the appraisal yet they flat out refused to do it and would never refund me the extra {$440.00} I was out for the extra appraisal.
Consumer complaint received 2015-08-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

Chase Finance has reported to the credit bureau that I 'm delinquent on car payments for a XX/XX/XXXX XXXX XXXX which I did not purchase. I called them to remove my name and to stop posting that I 'm not making payments on a car I DID NOT PURCHASE. I purchased a XX/XX/XXXX XXXX XXXX XXXX which I 'm current on all payments.
Consumer complaint received 2021-11-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

On XX/XX/2021, I purchased a condo on the beach in Delaware with cash from the sale of a commercial property in XXXX and cash from my XXXX XXXX account. I had to use about {$260000.00} in margin from my XXXX account. Seller insisted purchase must be in cash. 

On or about XX/XX/2021, Rocket Mortgage began to process my delayed financing of {$330000.00} ; XXXX year fixed rate mortgage. I made it clear that the cash out would be used to cover the margin. They offered {$320000.00} cash out, for a {$330000.00} mortgage. 

On XX/XX/2021 I was told by Rocket Mortgage ( XXXX XXXX bank ) that, because the master insurance plan was shared between the condo ( HOA ) and the adjoining XXXX XXXX ( at XXXX XXXX XXXX, XXXX XXXX, they would NOT approve a 30 year fixed rate mortgage. The mortgage would have to be a 10 year XXXX and I would need to pay {$4900.00}, which could be financed as part of the mortgage. The new offer was a {$330000.00} mortgage with {$320000.00} cash out 10 year ARM. 

On XX/XX/2021, I was told that the mortgage could NOT be used to cover margin. The implication is that XXXX XXXX Bank wanted me to maintain XXXX {$300000.00} high rate margin. Seems absurd they would move me to a riskier 10 year ARM and demand that I keep my margin. 

My XXXX XXXX is XXXX.
Consumer complaint received 2023-03-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I took out private student Sallie Mae loans to cover living expenses while I went to XXXX school for two years. My tuition was covered by federal loans. 
From the very first day of repayment, six months after graduating, I was not offered a payment that I could financially manage. I was only offered deferments and forbearances over and over and over. My loan started at {$60000.00} and has now reached nearly {$200000.00}. I have paid XXXX XXXX on the loans. Navient now holds my loans. In the early early years of dealing with representatives they were very cruel and only suggested to me that I ask a rich uncle to give me money or another option would be death or a terminal illness. The mental health burden of Sallie Mae is soul crushing.

I have been in repayment, deferments and forbearance periods on an off for the last 15 years. During this time, my husband and I had had to file for a XXXX  XXXX bankruptcy due to him losing his job for the local coal company. We had to do that in order for us to keep our home. I was told at that time that no student loans were not dischargeable in bankruptcy. We successfully finished out bankruptcy after 5 years. 
All of these years later, I am finding out they are dischargeable and I need help. I have XXXX  kids that will be graduating from high school and I don't want them to have to go through what I have.
Consumer complaint received 2016-10-21
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (KS)

I have Initiated money transfer of {$2900.00} from XXXX to XXXX through Remitly ( Transfer No : XXXX XXXX XXXX XXXX ) on XXXX XXXX 2016. Remitly has promised that the money should be available in XXXX Bank account by XXXX XXXX, 2016 XXXX XXXX XXXX ( XXXX XXXX, 2016 XXXX XXXX IST ). The said time has passed. Remitly is saying delay due to some system issue. Now Remitly is saying that the money will be available by Tuesday XXXX XXXX which will be too late.