davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WA)

using Lowe 's Advantage card I made online from lowes.com purchase of products which occurred XXXX XXXX.The order number was XXXX with total of {$2000.00} via web page. The website indicated that the shipment will deliver in two weeks period. When I have received package, there were four items priced {$130.00} plus tax was missing and I was thought it maybe in different package so waited one extra week hoping delayed arrival. However, my remaining package did not received. For that reason, I directly had called customer service and they said will investigate and told me let me in 60 days. In mean time I ask them I need the product and they said, " you can order the same item and will reimburse you later. '' Then I had purchased the items using the same card and picked up from local Lowe 's store. 
After that they denied my inquiry and told me that the carrier left at your door no signature required and you are responsible to pay adding on to my account. I have been contacting them telling the fact that we have package theft problems.Having no choice, I have been paying with the interest while looking resolution and keep asking them. Recently I had sent a letter, again investigated and told me to ask carrier but, they said it is delayed. They need to tell on time, if they are responsible.And also I went local court to file small claim and said that if they are not local business couldn't help. To go federal court, I have to have lawyer, but lawyers ask lots of money that I can not afford, even some of them not take it. i am an XXXX, but XXXX  US citizen. I am faithful to my religion, my country, I need anyone 's money. I also shouldn't my own for business I did not used.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (AL)

Nelnet, is a previous lender for a student loan I had. The account was bought out by another lender, XXXX or XXXX XXXX. Those accounts are current and are being repaid through Income Driven Repayments. I never defaulted on any student loans and this account is remaining on my credit with the comments discharge through bankruptcy with no payments missed. The issue is, it show as a negative impact to my credit history. Ive tried to resolve the matter on my own but of course, the account remains the same with no resolution. Im looking to make a purchase on a home within the next two years and Im looking to get help with removing negative accounts. Thank you in advance!
Consumer complaint received 2018-03-19
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. (TX)

I have an account on my credit report that caused me to be denied housing onXX/XX/XXXX.

I contacted the agency who is listed : XXXX XXXX XXXX  Reported : XX/XX/XXXX{$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} OpenedXX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXX I disputed the information. Then in XX/XX/XXXXI called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house sinceXX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

On XX/XX/XXXX I filed a complaint against XXXX XXXX with the Better Business Bureau because I have no contractual agreement with them. XXXX XXXX did not provide me with the necessary documentation that I had a contractual agreement with them. XXXX XXXX only responds to this matter is that I need to fill out a consumer request form. I told XXXX XXXX I will not be tricked into signing anything with them because I do not have a contract with them. XXXX XXXX failed to validate a debt with this consumer and is causing defamation to this consumer credit report and name and would like the CFPB to have XXXX XXXX to remove alleged debt from this consumers report. The alleged debt that XXXX XXXX is saying that this consumer owe is {$6500.00} the dated open XX/XX/XXXX.
Consumer complaint received 2018-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I refinanced my student loans in XX/XX/XXXX. The refinance is with XXXX ( XXXX XXXX XXXX ). They made a payment of {$67000.00} on my behalf on XX/XX/XXXX to American Education Services, my previous loan servicer. This created a credit balance of {$3800.00} on my account. 

AES claimed this balance would be returned within 30 days from the date of the final payment, meaning I should have been credited the amount by XX/XX/XXXX. I have still not received this money, nor has my new servicer XXXX XXXX XXXX. Today is XX/XX/XXXX. 

I've contacted AES several times, by phone and by email through their website. I've been given multiple different stories about what is happening with my account and where the money is. I was told by XXXX, employee ID XXXX, over phone, that a check was cut on XX/XX/XXXX for {$2200.00}, but this amount is not for the full credit owed, and so far neither I nor XXXX XXXX XXXX has seen this check. 

I was also told that my account was submitted for financial review on XX/XX/XXXX 

I received a secure email from AES on XX/XX/XXXX,  reference ID XXXX, informing me they would refund {$3800.00} to XXXX XXXX  based on payments made " on XX/XX/XXXX and XX/XX/XXXX '', but so far no payments have been received by XXXX XXXX, and, worryingly, this statement from AES references a payment on XX/XX/XXXX, when no such payment exists. The final payment on my AES account was XX/XX/XXXX. 

This repayment is now more than a full month delinquent, and as a result I am paying interest on nearly {$4000.00} more than I should be.
Consumer complaint received 2018-03-19
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: AMCOL Systems, Inc. (MI)

I have disputed multiple times with XXXX, XXXX and XXXX  regarding the inaccurate reporting of AMCOL SYSTEMS. Multiple account are being reported that are not mine. 

Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXXXXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX  Amcol Syst Opened XX/XX/XXXX {$150.00} Original creditor : XXXX XXXX
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

I am requesting the financial outline to submit a full modification package to PNC Bank, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (WA)

When reviewing my credit report in XX/XX/XXXX I noticed a new credit card with a balance of {$14000.00} with Elan Financial Services and contacted Card Member Services and filed a fraud claim. This was denied by card member services as a representative for Elan Financial Services I have attached a copy of the original dispute and their letter denying my fraud claim.

They did allow me to close the account so no other charges could be made. I wrote them a letter explaining what the card was used for and then had to wait and see what would happen. 

Mr XXXX was making payments on time until XXXX of XXXX and at that time I received a late notice from the company. 

I then contacted XXXX XXXX XXXX, XXXX XXXX asking for their help with getting this late notice off my credit report and asked that they obtain proof from the company that I was responsible for this bill. I understood that by law when a dispute was filed that the company has to respond ... XXXX XXXX corrected some items on my credit report but I never received an answer from them or the company asking for some proof I am not sure how a company can send me a card I did not ask for to an address where I no longer lived, allow a prior authorized user to activate this card with a {$15000.00} limit and allow him to change the address and phone number/ I had never received a card, statement, phone call, email from this company before they activated this card making sure I could not stop this the first month. So basically they gave {$15000.00} to someone who makes {$800.00} a month with SS and was 72 years old and said go have fun but when the first late notice came they sent it to me, Ive been told by many sources that I  will end up being responsible for any balance left and this card is now once again 90 days late and I have received another late notice Where did the credit card company get so much power that they could do all of this without any notice to me. Where is their due diligence to the primary card holder and how hard would if have been to ask Mr XXXX for my information so they could tell me I had a new card and what my phone number and address was.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

This complaint is in regard to the relationship credit reporting companies have with the credit bureaus they report to. 

The 3 credit bureaus in America recommend that no more than 30 % of available credit be used to keep a viable, useful, high score. High scores are needed for everything today. Even employers are currently checking credit.

I have had a negative response with Synchrony Cards ( mysynchrony.com ) when my credit cards are not charged to their maximum. On one card owned by Synchrony, CareCredit Card, my available credit was reduced from {$7000.00} to {$4000.00} because I kept an average balance of {$3000.00}. My official credit score fell by 100 points. My other Synchrony card, an online account through XXXX, was reduced from {$700.00} to {$100.00} then closed because I did not regularly keep an interest paying balance on the card. My score fell again another 40 points. I have been an excellent customer on both cards - never late, paying in full.

I feel that their corporate policy is in direct conflict with how credit scores are calculated. This company has a negative policy against responsible customers. Synchrony should not be allowed to report to the credit bureaus as they prey on all Americans.
Consumer complaint received 2020-05-02
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. (GA)

I INFORMED CHASE ON XX/XX/XXXX VIA THEIR WEBSITE THAT I WANTED TO INITIATE THE BELOW DISPUTES AS THESE ITEMS WERE CANCELLED AND I HAVE NOT BEEN ABLE TO GET THE MERCHANT TO RESPOND. I WANT CHASE TO DISPUTE THESE CHARGES ON MY BEHALF AND CONTACT THE MERCHANT TO GET ME A REFUND. 

Post Date Description Category Type Amount XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX XX/XX/2020 XXXX Shopping Sale XXXX
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX : Transaction date for {$750.00} for nothing ( I never ordered or received anything ). 

XXXX - XX/XX/XXXX : Contacted both the store and the bank. 

XX/XX/XXXX : Filed for a dispute to the bank. 

XX/XX/XXXX : Contacted the bank again, received a replacement card. 
Filed for another dispute for the second time ( no follow up on the first one ). 

XX/XX/XXXX : Final decision by the business : no fraud
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

My XXXX  XXXX passed away XX/XX/XXXX. I, his XXXX am the beneficiary on the account. I visited Chase mid XX/XX/XXXX to notify them of my XXXX passing. I was turned away and told i needed an appointment. I scheduled, and met with a personal banker and filled out some paperwork. The banker said she would submit the documents ( dont know where ) and i needed to wait until XXXX XXXX debited my husbands pension from the account in order for Chase to release funds. I called XXXX  and notified them of my husband passing on XX/XX/XXXX. I called Chase to check on the status of VA pension debit on XX/XX/XXXX, i was told i didnt need to wait, that Chase XXXX leave sufficient funds in the account to cover the pension and they could give me the rest of the funds. I visited Chase branch on XXXX XXXX and they gave me an appointment for XX/XX/XXXX. I met with branch XXXX XXXX XXXX who filled out another document and told me i needed to wait because the document needed to be approved. NOW why? after a month, am I getting this option and not when i originally visited the branch in XXXX? Are they worried about loosing deposits? The branch XXXX had no problem asking if I was opening an account and keeping funds there. Is it because they know Im of old age and its difficult for me to keep up with the run around and think Ill stop? Isnt this considered senior abuse? What was done with the original documents i signed with the personal banker? Such a big bank, and poor customer service. Its like a XXXX XXXX you need to take care of your finances or have questions? It better not be an emergency, you know why? You dont have an appointment, you need to wait!
Consumer complaint received 2020-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (VI)

I mailed to Flagstar two hurricane related insurance checks ( XXXX ) totaling {$100000.00} on XX/XX/XXXX. I advised Flagstar at that time that I will complete my repairs out of pocket and they can inspect upon completion. I advised I expect during that time the monies to be kept in an interest bearing account because it could be some time before I am finished. Fast forward to around XXXX, XXXX of XXXX when I began discussing over the phone with several Flagstar representatives about the process for them to inspect and release the insurance monies. Their main issue is an adjuster 's report in which I advised them I gave them all the paper work I received from the insurance company. They ( Flagstar ) verified with XXXX about the adjuster 's  report and XXXX confirmed that there is no further paper work other than what they already have on hand. With this confirmed my question to Flagstar is what is the next step to complete this transaction. The several representatives I spoke to all said they would get approval from management to send an inspector and would return my call in a couple days with a scheduled date but no one ever called back or when they do it would be weeks later with the same response, " they need to talk to management ''. I finally decided that I will begin to put my requests in writing to support my complaint and maybe trigger Flagstar to respond. No such luck, it made it worse. I have sent 3 email requests out to Flagstar beginning on XX/XX/XXXX, each being at least a week apart and I have not received any responses to date. Thus, I am now filing this complaint.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I informed Chase of several fraudulent charges on my credit card via phone. Shortly thereafter on XX/XX/XXXX, I received a notice in the mail saying I " benefited from these transactions, '' which is impossible. The below charges are fraudulent, as I have now reported once through the company. 

Post Date Description Category Type Amount XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX * XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale -XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Sale -XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Home Sale XXXX XX/XX/XXXX XXXX XXXX Groceries Sale XXXX XX/XX/XXXX XXXX XXXX XXXX Food & Drink Sale XXXX XX/XX/XXXX XXXX Shopping Sale XXXX
Consumer complaint received 2020-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Hi On XX/XX/XXXX XXXX,,,, I called Navient ( XXXX ) XXXX Student loan ( formerly Sallie Mae ) and I informed them about my difficulty of making payment and please I need forbearance until the pandemic is over. 

Prior the pandemic of Covit-19 I been making my payment on time with out any delay and established a great history as always making my payment on time. 

Going back to my call i told Customer service since i can not make this payment because of my unemployment status and can you please pause my payments without any late fees or can you please extend my loan period until this pandemic is over and SHE TOLD ME IN UPPER CASE THAT I WILL SUBMIT YOUR REQUEST BUT YOU STILL NEED TO MAKE A PAYMENT of small percentage of loan payment, which the loan is {$310.00} and we agreed only {$100.00}. So based on that i had no choice and made a payment of XXXX dollars on XX/XX/XXXX, which took away my food allowance money for my family. 

Few days later i received nasty, disgusting calls for collectors representing Navient which i had no clue it was a collectors and representing Navient, but soon after speaking to them and their tone i found out that they were collecting agencies, and you know these people have no mercy and no passion even at time of Covit-19. 

Today XX/XX/XXXX i was checking my account on line and i saw late fee charge for the month of XX/XX/XXXX = XXXX XX/XX/XXXX = XXXX total amount due for XXXX ... ... 

On XX/XX/XXXX i received another email indicating you need to make payment and your account is past due. 

on XX/XX/XXXX as a consumer i post a payment of only {$210.00} ... .. which this is all i can afford. 

This company is horrible and they have no compassion the way they treated me at the time of COVIT-19 ... .. what it really frustrates me THEY ARE NOT WILLING TO WORK WITH YOU EVEN IF YOU MADE YOUR PAYMENT ON TIME IN PAST AND ESTABLISHED A GOOD HISTORY WITH THEM.
Consumer complaint received 2017-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, XXXX : XXXX. My account number was XXXX. On XXXX XXXX, XXXX I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to close my account. I decided to get the amount in cash since it was not a lot of money. I had exactly XXXX on my account and I got XXXX in cash. I am attaching the copy of the withdrawal where you can see the amount stated as above. 

I got notified on in XXXX that they were trying to collect XXXX XXXX I went to the location in XXXX XXXX and tried to understand what was going on. I was told by the interim manager of the branch that the lady at the counter who attended us made a mistake and entered {$5700.00} instead of {$5100.00} on the computer system which implied that I she had given me XXXX extra. 

After talking to her for a while she mentioned that the branch officer confused the 1 with the 7. As you can see on the check where there is a 1 and a 7 those have a totally different pattern so that is hard to believe. I told her that I still have the amount in cash ( since I simply left it in the envelope and left it home in a drawer ) and the amount was {$5100.00}. I do n't not know where those XXXX $ went but I just do n't have them. If I had them trust me I would be returning them because of all the hassle this is creating. 

On XXXX XXXX I received a letter saying that I owed {$600.00}. Following the advice of my lawyer I send out a letter that I am attaching where I expose the violation of the Fair Debt Collection Practices Act. The bank tried to accrue fees/interest beyond what it is allowed. 

I just hope this situation will be solved soon because I do n't believe I did anything wrong. I am not the person who took those {$600.00} and therefor I do not owe that amount. 

Please remove the unjustified debt from my report as soon as possible.
Consumer complaint received 2018-03-19
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. (MI)

I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX