davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

My personal credit profile was compromised around XXXX XXXX, 2016. Someone had stolen my personal information and opened up multiple accounts without my knowledge. This was reported in to XXXX, XXXX and XXXX XX/XX/XXXX and freezes placed on my credit profile. All unauthorized credit cards were closed down and I was not held responsible for any charges except XXXX. XX/XX/XXXX, individuals went into multiple Macy 's in California and were able to charge a large sum of goods on my existing Macys charge account. I did not authorize this and these Macy stores were some distance from my house. When I received XX/XX/XXXX 's bill, I learned of these Fraudulent charges and reported it to Macy along with a police report and Macy required their own form that I filled out which i did to show all the charge which were not mine. It has been over 3 months and Macy continues to do nothing except try to collect on the debt and report me late to the credit bureaus. I have always had perfect credit and can easily prove it through out the years. Now that I am being reported as 90 days late plus owing over {$5000.00}, other creditor are starting to lower my credit limit. For the last 10 days, Macys has been calling me. When I answer no one is there. Today I had a representative from Citi-Macy call my home and my husband waited XXXX seconds before the auto dial switch over to the Macys phone rep who was in the XXXX. He demanded payment from my husband who is not listed on the account. The call was recorded by Macys and my husband also recorded the call. My husband explained that the account should be listed as in dispute and that he was not going to make a payment until Macys concludes the investigation and adequete proof shows that I made the purchase at these multiple Macys, far from our residence on multiple different days. 
My issue is as follows ; 1 ) Macys is ruining my good credit by how they are reporting derogatory faudulant information on my credit report with the 3 credit bureaus. 
2 ) Macy is not acting in a timely manner. 3 months is too long to conduct their investigation 3 ) We are getting harrassed by Citi Macy collection department. They are discussing personal information with individual who are not on the Macy 's account 4 ) We are working within the confines of the law but Macy / Citi is not. The FCBA, FCRA and the FDCPA all seem to be being abused here This process has been extremely frustrating and I have spent close to XXXX hours now trying to clear my good name.
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

Limited my total allowed monthly payment so that all of it went to paying interest. I payed them {$2000.00} via certified mail return receipt requested, with a letter indicating that the contained amount was to be applied to the principle balance only. They state that they applied the monies sent only to the interest, and that it was policy to ignore any letters indicating how the account holder wanted the payment allocated. I am of the understanding that this is also illegal. Additionally they refuse to disclose to me how the interest on my account is calculated and applied.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I called CITI CARD, and told them I was being shamed by a company called Ignite solution # XXXX, AL. they said XXXX, was being down loaded from my IP address, and possibly other crime .I realized the lie while I gave my card imformation, the rep.from citi XXXX card, said no charges called in XXXX/XXXX/16. I called again on XXXX/XXXX/16 XXXX called back PM that day charges submitted, when I confronted citi card, they said they would investigate/ send to disput department.I have followed there procedure, provided everything asked from me.I haved called XXXX/XXXX/16, was told I have to pay {$400.00} plus interest, i was told I gave card info. I believe they where negligent, by paying this company after I made all them aware of my troubles.I asked them to give me new card # that first call, not nessisary i was told .I was told on XXXX/XXXX/16 they can not do anything about charges, due to me giving card information.
Consumer complaint received 2016-11-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

I had opened a Citigold bank account in XXXX 2016 using a promotion that would give me XXXX XXXX XXXX miles once I 've made 2 bill payments and {$1000.00} in purchases on my debit card. I had confirmed my eligibility of the offer with Citi bank representative while opening the account on the phone. 
I completed the requirements in XXXX but the points did not post. I submitted a secure message in XXXX 2016 and I was told that now I was not eligible for the offer. I had escalated the request in XXXX but still the same response.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (GA)

I paid the " New Balance '' on my card 4 days prior to the due date. I was assessed an interest charge even though the statement indicates that no interest would be charge if the " New Balance '' was paid by the due date. I called to attempt getting the charge reversed and was given an excuse that the New Balance had to be paid in full for 2 consecutive months in order not to incur an interest charge. That is not what is stipulated in the statement. Furthermore, I believe it is an unfair practice as all other cards I have ever had do not charge interest when a balance is paid in full by the due date.
Consumer complaint received 2020-04-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TX)

I am a XXXX XXXX military personnel and I am unable to stay on top of my student loans due to protecting my country. I did not know I had a student loan until my credit score reflected such information. I have tried to tell the company to lower my payments because they had it set to my mothers financial assets. I do not make that much money and they have refused to update my account after I have submitted my application of deferment. I have called for help in the service member act to remove all interest accrued while I have been in training since XXXX of 2019 and they have still added the interest from XXXX to now XXXX. While waiting for the acceptance of my application and knowledge of the amount I am to pay to remain current they have still added interest and reported negligence in paying the account. I do not know what I am to pay nor do I know who to pay. I have called on my student loan to have the account current and still its late. As a military personnel I am unable to always call as to why my I have submitted deferrement. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind. I am not attempting to get out of paying my loans but they have to be tangible to be paid on the amount I currently make as well as supporting my wife and kids.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (IA)

Five years ago I consolidated all my loans with XXXX XXXX. Now it is XXXX. I am current with my payment and have not missed. I am now getting a bill from Great Lakes on my student loan of {$150000.00} and they say I am behind. I NEVER GOT ANY NOTICES. And what happened to my consolidation? 

I am in the process of communicating with them and they are trying to determine what happened on the consolidation process.
Consumer complaint received 2015-04-17
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: TMX Finance LLC (GA)

I took a {$500.00} personal loan with a company called Insta Loan. I 've made payments of {$120.00} per month for over 4 months to Insta loan which mean i covered more than the loan amount. Each time i meet with them at the office to make a payment they told me they were updating my information, which false. It was false because i recently found out that they were reapplying for a loan each time i made a payment. When i looked at my balance it never decreased it only increased each time i made a payment. Then i checked my credit report and they applied XXXX loans of {$600.00} on my credit. I spoke to a man named XXXX in the office and he told me that these kinds of loans are not set up for you to get out of, and that i 'll be making endless payments for years.
Consumer complaint received 2016-07-18
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (FL)

I have a case number XXXX I would like to add to it after I went up there Georgia on Saturday XXXX/XXXX/XXXX. I received documents of my account. I have paid out {$8800.00} on a {$2400.00} loan. the paper work shows {$5000.00} on XXXX/XXXX/XXXX which I gave them back {$2500.00} back on XXXX/XXXX/XXXX. XXXX. They tell you their internist is 11 %. but if you look it is actually 109.3767 %.. Saturday they wanted me to sign a new contrast which puts me back where I started. I can not get my car reposed so what do you do. I ca n't keep paying them all this money. They are a scam. I have medical issues and other things going on. I am a XXXX income family. I need some help here.I have been doing this for two years I want out. Help me!!!!!! I have to have my car to get to work.
Consumer complaint received 2016-12-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (NE)

I bought a car and was making payments when I lost my job. I fell behind. The car was repossessed and sold. I owed {$13000.00}. The car was sold for {$8900.00}. 
Westlake Financial Services sent this to a collection agency. When I called the collection agency they said it had been taken back by Westlake. 
This is my complaint. When Westlake Financial Services called 2 months ago they told me over the phone if I paid {$3700.00} they would accept that as final payment and remove it from my record. I have called them back today and they are demanding {$6200.00} and if I could pay 85 % of that in cash they 'd accept {$5300.00}. I have the original {$3700.00} and am willing to close out the account, but they have now changed their minds. I have talked to them numerous times and they always change. They will not put their offer into a letter. It 's only an oral agreement.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MD)

I have been having issues with Chase Bank regarding my Mortgage modification. 
When I started with Chase my home was about to go into foreclosure and that was the only company that would take my account and give me a mortgage. I had just bought a new house with a 7.25 % interest rate. But when I went to refinance with chase to keep my first home out of foreclosure a few months later they gave me a rate at 15.25 % XXXX The original rate for that house was 8.5 % ). Yes I was late from time to time but I always paid more than the monthly payments and late fees. I am retired now and my income has decreased so I have been trying to work on a modification with Chase for a lower interest rate. I have been repeatedly contacting Chase and they are always telling me we just need this one more piece of information each time I call, and I am never really given a straight answer when I ask where the equity in my house went. I have been paying on this loan for XXXX years. The house is only worth XXXX and I have paid almost XXXX the amount of the original cost of the house at the time of purchase. I have to admit that over the years I never stopped to take the time to look at my bills. Now that I 'm retired and on a fixed income I 've noticed discrepancies in my bills and have questions I should have asked years ago. My original mortgage was released to Chase XX/XX/1999. It is still not clear to me how my interest rate would jump from 8.5 to 15.25 %. It also does n't seem right for my balance to be the same every month after each payment. The modification that they are taking so long to answer about will add another 66 years to the loan. I just want someone to look at why they are giving me a run around about my modification. I apparently have a subprime loan, and I am trying to get out of it. They keep suggesting a quick sale but after XXXX years of paying on this house the thought of giving up is disheartening. My monthly payment is XXXX a month I pay XXXX and only XXXX goes toward the Principal XXXX goes to interest.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (AZ)

We had a credit card through Chase ( specifically the Southwest rapid rewards card ) that we paid off the balance and closed the card in XX/XX/XXXX. The card was not closed as we had requested and we were charged an annual fee of {$100.00}. When I received a statement in XXXX regarding this I called Chase on XX/XX/XXXX and requested the card be closed. They agreed to close the card and refund the annual fee. I then received another bill XX/XX/XXXX with the {$100.00} charge, an interest charge of {$1.00} and a late fee of {$25.00}. I called again on XX/XX/XXXX and was told there was no evidence the card was cancelled or that the annual fee was refunded. I spoke with a supervisor who stated that she could not refund the annual fee and that I would have to fax a letter to the executive office. She also would not allow me to speak with her supervisor ( name XXXX, in XXXX OH )
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

In 2013 I received a XXXX for cancellation of debt for an amount of {$23000.00}. I paid taxes on this amount back in 2013. But currently all XXXX credit reports still state that my Balance Amount is {$25000.00}. This amount should be XXXX. This debt was fully cancelled and I paid the taxes on it already. My outstanding balance is currently zero. The credit bureaus should reflect that as well. Chase Bank USA NA is incorrectly reporting an old cancelled debt amount to the bureaus.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

Credit card company informed me that the cash advance APR would be increased from 19.49 % to 25.24 % effective XXXX XXXX, 2016. How do they get to raise their interest rates so high? The majority of banks barely pay the consumer 1 % on savings or checking accounts. It is outrageous that they can charge such an exorbitant fee and yet pay the consumer an interest rate that is dreadfully low.
Consumer complaint received 2023-02-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (ME)

The inspection was by XXXX, Inspection ID XXXX on XX/XX/XXXX Car was XXXX XXXX XXXX XXXX XXXX XXXX Held by XXXX XXXX  out of NY XXXX ( USB ) Charge for total windshield replacement at end of lease due to stone ding of 1/8 inch by 1/8 inch with picture on web -- but reading 1 x 0.5 inch cracked which is not true. The stone ding is verified by the photo and there is no visible crack.

Charge for replacement of windshield is {$460.00}.

This can be easily fixed with windshield resin. This is very inexpensive. 

I called XXXX on XXXX to tell them I disagree with the measurement and disagree with the remedy of the problem. They said the power belongs to them and I have no rights.
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NM)

We purchased a house for our daughter ( myself, my wife, my daughter ). Contracted in that order for her while she attended college. Then one day out of the blue Chase mortgage sent my daughter a loan modification option letter in her name only. She signed it, sent it to Chase and they did a loan modification for her and her only without my authorization or my wife 's authorization for a fresh 40 years. I discovered this when I called Chase one day about some insurance issues. They informed me that they did n't know me and I did n't have a loan with them nor did my wife. They would n't talk to me about it until my daughter wrote to them saying it was OK to talk to me. They still denied us being on the loan with my daughter until I decided to stop making payments. Then 4 months later we received a foreclosure notice. When I contacted them, then they told me we were on the loan and that they just did n't press the button hard enough. Ever since then they have told me that my wife and I are on that loan modification they did for my daughter without our authorization. We are not on that loan and do n't want any part of it. Never signed for it and never authorized any one to change any part of it. They sent us a letter saying they inadvertently sent my daughter this modification letter without our authorization in error and that was n't their intention. ( I will attach this document for you ). They have admitted to their mistake but have not given us any viable options. We did n't ask for a loan modification, we were good with the loan we had. Our credit is ruined. We always made our payments on time and have always had excellent credit. We did n't ask for any of this.This new loan they gave my daughter was as much each month as she made income wise each month. I do n't think that would be legal either. I can say confidently that a loan can not be changed or modified without all parties signatures. Just this week I called Chase and spoke with XXXX XXXX, who did agree that that they should n't have done that and was going to have a big meeting with supervisors and get back with me. He did today, he was trying to offer me a step modification I think he called it, to adjustable and complicated for me. I 'm a simple man. I asked him to put something in writing and we would consider something reasonable to put this behind us. This has been very trying on myself, my wife and my daughter for way to long. We need intervention and We hope your the right people to help us against the big banks who got bailed out on this same stuff they did before.
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NC)

Chase bank has disabled my ability to make mobile check deposits into my account and there is also a pattern of delays on transfers made into this account which I only use to pay bills, causing fees or late payments. These delays and inabilities to make deposits create a situation that allows chase to impose insufficient funds fees and it seems predatory, as I always attempt to make these transactions leaving reasonable time for them to be processed. For example : I have XXXX dollars worth of bills coming out on XX/XX/XXXX but only XXXX dollars in the account on XX/XX/XXXX. I make a transfer of XXXX dollars on XX/XX/XXXX and Chase say it takes up to 3 business days to process but they will not process the transfer for 5 days and then charge me insufficient funds fees. This has happened more than once but only when my account is low or I have bills coming out of the account and it seems it is in order to allow them to collect fees that should not have been charged. Also the only way to make funds available within one day is mobile check deposit which they have disabled for my account. There is no chase branch within XXXX miles of my home as I have moved so I am unable to make deposits in the branch so it seems as though I am being targeted to incur these fees in order to pay my bills.
Consumer complaint received 2016-04-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (AZ)

Hi there my name is XXXX I have a loan with Westlake Financial Services, they have been contacting my father to get information and payment from him for my vehicle loan which I am on alone, no one else is or ever has been on there with me. They called me 45 days past due saying my car was up for repo unless I payed the XXXX in full. Just needing clarification of this is right? It does n't seem secure that they are talking to someone who is not on my loan who I do n't feel should be involved in anyway. Please give me advice here. Thank you.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (ND)

Chase Cardmember Services for Visa credit card failed to handle fraud charges in reasonable time frame. Received a notice today. This fraud alert was send to me in XX/XX/XXXX and it is now XX/XX/XXXX. I emailed them on regular basis to send me infor. 
They need to refund me fees and penalties and correct the card payments. The credit card is current. I have been working with Executive Corporate office.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I signed up for the Chase Sapphire Preferred card. When I was happy with the card, I decided to refer my parents. I applied with them and generated a referral link through Chase 's website and submitted the application for my parents. My parents got their credit card and made their first purchase yet I never received a bonus. Now, Chase is telling me they didnt apply through proper channels even though I was the person that applied with my parents as I help them with their finances and I ensured that my browser was accepting tracking cookies etc so I would receive the XXXX point bonus.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

My daughter paid her mortgage payment to Suntrust ( drive-thru ) on XXXX/XXXX/2017 using a check from my XXXX account. The Amount was {$950.00}. The check never arrived at XXXX. Today my other bank, XXXX XXXX XXXX XXXX called to inform me that I had a pending overdraft and they had declined a transfer that I made on XXXX/XXXX/2017. After a lot of research I discovered that the Suntrust teller had somehow electronically sent the withdrawal to the wrong bank. The previous month 's payment had been made from the XXXX account. Suntrust has their money so they are only sympathetic and realize they have a training issue. I now have to deposit a XXXX check at XXXX, including the XXXX NSF fee before the end of business today. They say the fee will be reimbursed. 
I have spend over a half day and will have driven many miles to resolve this Suntrust Mortgage issue. I am angry and believe I should be compensated for their stupid mistake.
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MA)

I bought a phone on XXXX for XXXX and when I received the item it had defects on it. So I complained and finally they sent me return shipping information. Then returned the product to the seller. Now after 3 months the seller is saying he never received the item and now a dispute got filed from his side. So i had to pay the XXXX and return the item. Basically I got XXXX and burned it ...