davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (FL)

I received Fraud alert from XXXX stating I had a delinquent account. I pulled my credit report to see a Barclays credit card that I never applied for. I immediately called Barclays who stated it was clearly fraud since they had my wrong address and date of birth. I also immediately notified all three credit bureaus. I just got a call from Barclays stating that their investigation revealed the account was mine because it was used to transfer balances from a XXXX account in my name. I HAVE NEVER had a XXXX account. They gave me the XXXX account number in question and XXXX has confirmed that this account has never been in my name nor have they EVER had an account in my name. Barclays has been completely negligent in allowing this account to be opened in my name without even verifying my current address or date of birth and are now causing me undue XXXX with their lies and incompetent investigating. A simple credit report proves I have never had a XXXX account.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

I am getting harassing phone calls from morning until night. I explain to my account holder that I was lay off at my job, for about 6 to 8 mths.But my company called me back to an new department. And can they please work with me until I get back on my feet.First I needed to find me somewhere to live because I was living in a women 's shelter. I am paying them something but not the full amount, l asked if they would wave some late fees to help me but that was a NO! All the robo calls is stressing me completely out XXXX separate numbers back to back from morning to night.Last call tonight was at XXXX.Please stop the harassing phone calls.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MN)

We submitted our payment to the Wal-Mart store in XXXX, XXXX. The check was returned and we were asked to send the check to Wal-Mart XXXX XXXX in XXXX, XXXX We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in XXXX. Walmart XXXX XXXX refuses to credit our account.
Consumer complaint received 2016-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Loan Science, LLC (IN)

Two collection agencies by the name of Loan Science and XXXX has been continually harassing me by phone. It started on XX/XX/2016 with calls from a company by the name of XXXX - XXXX. They have called 1x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 2x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX ; 1x XX/XX/XXXX. Then on XX/XX/XXXX I started receiving calls from Loan Science. They called 1x XX/XX/XXXX with phone XXXX ; 3x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX ; 2x XX/XX/2016 phone XXXX ; 1x XX/XX/2016 phone XXXX. They are looking for a person by the name of XXXX. Both of these companies are looking for the same person. I explained to their representative " I do not know of this person or have I ever heard of a person by this name, and that I am listed on the XXXX and also my State of Indiana Do Not Call List ''. The representative then hung up on me. They continue to change their phone number with each call so it is hard to monitor who is calling. They should not be allowed to harass people on the Do Not Call lists who have no knowledge of a debt that is owed by someone that they have no knowledge of. They should be held accountable for violating the National and State Do Not Call Lists. I myself, have never had a student loan in my life!
Consumer complaint received 2016-11-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

I applied and received a modification mortgage thru Ditech Financial LLC. They charged just over {$500.00} for the modification increasing my principal from XXXX approx. The payments are XXXX for 40 years. I inquire as to early payoff and they claimed no penalty but although I am making extra payments and stateing they are to go to principal only they refuse to apply the funds to principal. 
They also started gouging me with fees labeled as ( XXXX ) which they claim are for inspections and mowing my Tiny ( 10 x 20 ft yard ) They claimed to have mowed it 3 times and inspection done two times at a cost of {$400.00} for 1 1/2 months added to my principal. At this rate I would never pay off my loan. They are extorting money from me for inspections that should not be done after I accept the loan and start paying and fixing up the property and for lawn mowing when I am doing that myself. There is no proof they have done anything. Why would they wait till I sign my modification loan and agree to fix up the property when they let it go for the previous 9 months before I started paying again and was letting it go? They are robbing me blind and forcing me to give up a property I can never pay off. I have no incentive to keep and fix up this property if my principal just keeps increasing more than 300 times what I am paying on this principal by these bogus extra charges.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (KY)

My parents have been paying on a mortgage loan on a double-wide trailer for approximately 20 years. The principal balance of the loan has barely decreased. The loan was originally supposed to be a closed-end loan that reduced principal and interest. I am their son and when they took the loan out I was in high school. I 've since been in the financial services industry for 10+ years. My parents have paid faithfully although maybe had a few payments made behind over the years but have always paid. Recently my mother had a XXXX and my dad 's health has declined as well. Their income has reduced significantly since the loan originated and they have fallen behind. The mortgage company, Di-Tech, is threatening foreclosure and recently came to their house to take pictures. In my opinion, a threat to scare them into paying. They call my parents continuously and have both my parents afraid they are going to lose their home. My mother and my father are still recovering. The representatives are rude and show know empathy towards my parents.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (WI)

Applied for a Chase credit card online, to transfer balance at a better rate. I was approved but then found out it was for an amount that would not cover the balance of the card with the higher interest rate. I immediately called to cancel ( like within 30 minutes of being approved!!! ) the new Chase card, when I finally got to speak with someone I was told that I can not cancel the card til I get it in the mail. OK, fine, I can do that. MEANWHILE, Chase goes and pays my other credit card for almost the full amount that I was approved for. I did n't want this Chase card, if the full balance of my higher rate card was n't going to be covered. Hence, the immediate phone call to cancel the Chase card. AS you can see, there is clearly a practice going on that ropes people into cards that do n't fit their needs. The immediate approval of the card appears to be a good thing but the consumer should get to say weather or not they accept the amount that they are approved for after that amount is disclosed to them. ( the consumer says " yes I will accept this card '' or " no thank you, it does not fit my needs '' ) Chase has been very rude and unhelpful, they and I 'm sure others are doing this. It needs to stop!!!
Consumer complaint received 2017-03-17
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern, I am writing this about a check transaction I have had between XXXX and Chase bank. I currently have a saving and checking account at XXXX and in XX/XX/2017, I went to open a saving and checking account at Chase ( XXXX branch ). At the branch, I wrote a check to myself ( From XXXX Account # XXXX ) to myself at Chase ( Account # XXXX ) in the amount of {$1000.00}. The rep told me to use the mobile app to deposit the check and kept the physical check. I did the online deposit at the branch but later on the physical check got lost/stolen. The electronic check was deposited to chase on XX/XX/2017 and cleared from XXXX, there was only one transaction going out of my XXXX account on XX/XX/2017 for {$1000.00} and the same day Chase received the fund. On XX/XX/2017, Chase deducted {$1000.00} from my saving account stating the check has been processed more than once. I called Chase multiple times and was told the physical check was presented at another bank, which they would n't tell me the info and the physical check superseded the electronic check so Chase debited my account to cancel the deposit and told me to contact XXXX. I reached out to XXXX but was told the check was cleared only once to Chase on XX/XX/2017 and they had no record showing the same check got deposited the second time. I called Chase again and after a few hours and several agents, they told me the check was with Federal Reserve and asked me to call Federal Reserve and that is all the information they have. I called Federal Reserve on XX/XX/2017 and was told that they do n't work with individual customers, either XXXX or Chase need to reach out to Federal Reserve to investigate. I went back to both XXXX and Chase and both banks told me there is nothing they can do and they would n't reach out to Federal Reserve. So as of now, the {$1000.00} was taken out of my Chase account but was n't returned to XXXX account and I do n't know where the money went and who has it now. Neither bank would work with me any further and told me to go to the other bank instead. I was advised by an agent at Federal Reserve to file a complaint so this can be investigated. I attached the copy of the check, transaction summary from both bank accounts and the statement. Hope this helps and please let me know if there is further information I can provide.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I moved to US in XXXX XXXX. In XXXX, I started receiving many adverse actions from banks/potential landlords due to my Experian Credit Bureau Report. When I contacted Experian to get the bureau report, I was never provided it and was never given a resolution to the problem. Till now, I continue to get declines. As I learn from the people reviewing the reports, I have delinquent trades from XXXX in my bureau reports, when I was not even in US!! Someone can contact XXXX to verify that information. Not being able to rent a house is the most difficult thing. Where am I supposed to live!
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (TX)

I received many letters of collection in the mail from XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (SC)

First off my credits are non transferable. Which they lied and told me the wer accredited and that my credits would transfer. The credits do n't transfer. Second they never told me how much my program was going to cost. I did n't find out how much it costed till the day I got the letter in the mail from the loan company after I graduated. Plus now the program in took is XXXX dollars cheaper than it was when I attended.
Consumer complaint received 2016-06-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (FL)

My ex wife XXXX XXXX applied for a student loan and added me as a cosigner without my consent or knowledge. Once I became aware of this unauthorized account I filed a police report and contacted chase, initially chase requested copies of the police report which I submitted twice which they said they never received. A few weeks back I attempted to contact chase again, I submitted all paperwork which included copy of my driver license and my signature to show the signature on the application was not mine, they wrote me back asking that I get the paperwork notarized and resubmit which I did. They then responded by stating they find the account to be mine. I asked how did they come to this conclusion, what investigation method was used, but they failed to respond. I have asked my ex wife to please contact chase and claim sole ownership of this account, she said it not on her credit report therfore it does not concern her. I have never attended college and I have never applied for a student loan.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX XXXX/Chase took {$5000.00} that I over paid on my lease account and gave the dealer a {$5000.00} credit on the dealers payoff on the vehicle which I returned. Unfortunately, when I requested a refund I was told " NO '' by several customer service reps and their escalation team. Another department Customer Account Research has requested and received a copy of my bank statement showing the cleared check. I was never informed that the overpayment would be applied to the dealer 's payoff. I had planned to purchase the leased vehicle, but I changed my mind. No contract was ever received or requested.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc (AZ)

I am resubmitting complaint against Lien Enforcement. Inc ( follow up to submission XXXX as I have clear and to the point proof that the car was as I said, NOT under my name and had been transferred as of XXXX XXXX 2015, as release of liability and title was transferred over. This document is solid proof, and before I raise this to legal grounds, you immediately remove me and anyone else from your fraudulent " list '' of " owners, ''
Consumer complaint received 2016-04-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

XXXX XXXX XXXX XXXX violated the CFPB Consent order dated XXXX by claiming an amount greater then the Write off amount in their affidavit dated XXXX. They also make many other misleading claims in their affidavit.
Consumer complaint received 2016-01-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC. (MA)

I had previously put in a complaint on this company and they agreed to remove this amount friend my credit yet today I received a letter asking for me to pay them back, It is illegal for them to contact anyone In Massachusetts for a pay day loan. Previous case number XXXX. The fact that 3 years later I am still fighting with thus company is ridiculous. I want this company to stop contacting me regarding this balance
Consumer complaint received 2016-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CT)

I ended taking a year off for my own mental and physical well-being. This happened during the entirety of XXXX. Now, as it was, my grace periods expired during that time, and it reflects as me being delinquent I believe past 90 days on a host of my different XXXX Student Loan Accounts. 

I came back to school in XXXX and graduated in XXXX of XXXX. I then did everything I needed to so as to reflect this on my credit report. However, it has proven very tough to get these " delinquencies '' removed. I am self-employed, and am currently working on fixing my credit. I was young, silly, and very financial uninformed, and unfortunately made a lot of mistakes that I accept. However, something like this is making it real hard for me, as a self-employed individual, to rise up from the ashes. This is something I can not have affecting my financial position, especially considering that I intend to pay off the entirety of my student loan amount. I was just unfortunately caught up in a real unfortunate situation and I would like your help making this right. 

I was a first generation XXXX student on almost a XXXX. I sadly did not have anyone to guide me financially during the times I made my financial mistakes.
Consumer complaint received 2016-10-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

We have been receiving recorded calls from this number for the last several months : XXXX ( Municipal Services Bureau - recording directs listener to call XXXX ). The calls have been harassing and continuous at all times day and night - last night we received 5 calls between XXXX and XXXX. Internet search of the number indicated this was a collection agency serving municipalities for unpaid parking tickets, etc. We do not have any such debts. Return call to both numbers gets music - no people. We need help to block or stop these harassing calls. Thank you!
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I am XXXX XXXX XXXX and have had a student loan on my son for about 16 years now and I pay back on it regularly. I now owe 'more ' on the loan than the original amount borrowed. The way interest is applied to the principle makes it go down very-very little. I have tried numerous times to work something out, but to no avail. At this rate I would die before the loan is paid off. What good would this be for anyone. Would n't it be more beneficial to have payments doable for the borrowers and have the loan totally paid off??? Also, the monthly payments are not doable for me as I am now fully XXXX and managing on a fixed income. I have served my Country in the XXXX XXXX for over 10 years and have been a XXXX for over 15 years. All this is to no avail on my behalf from any of the repayment plans on this Student Loan Program I request the loan be more doable to me to repay. The College Loan programs need to take a serious look to reduce debt in a more doable way as currently it is not doable for most Americans. There has to be light at the end of the tunnel on student debt. I do not see how the current college students will ever be out of debt at the current rate of interest being charged and the way it is applied to the principal. 
If we want the youth of America to receive College Degrees XXXX in order to be able to compete in the world employment markets something needs to be done now! 
But again as for 'me ', I would like to get my loan payments reduced, interest rates reduced and ( so to speak ) light at the end of the tunnel.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I have filed XXXX disputes with Experian in regard to the XXXX/XXXX auto loan on my credit report. Late payments are being reported in error. Each time I have disputed this issue, my report is then updated with MORE incorrect, conflicting information. This has happened several times. I have provided evidence to Experian indicating previous violations of the XXXX of the FCRA by XXXX/XXXX, and these violations occurred during the period that XXXX reported negative information on my loan. Please review the CFPB findings and fine issued against XXXX ( File No. XX/XX/XXXX-CFPB-0017 ). I want Experian to delete this tradeline from my credit history immediately, as they are in violation of the FRCA by continuing to report this negative information.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DC)

I have a XXXX XXXX XXXX at Navient that used to be at XXXX XXXX. My bank sent a check for {$7600.00} to Navient. When I told my bank to send the check, I gave them the XXXX XXXX XXXX payment address listed at http : //www.navient.com/about/contact-us/ because that address is listed under the section that reads " Loans Through the U.S. Department of Education . If you have loans through the XXXX ( XXXX Subsidized, XXXX Unsubsidized, XXXX PLUS, or XXXX Consolidation ) or loans owned by the U.S. Department of Education through the Federal Family Education Loan Program ( FFELP ) ''. I did this because my loan was a Consolidation Loan issued by XXXX XXXX ( not a private bank ) and this is the only section that says " Consolidation '' at all. 

However, my Navient account has not been credited with the payment. So I called today to ask why and the Navient representative said that my bank should have sent the check to the XXXX XXXX XXXX XXXX payment address listed under " FFELP and HEAL Loans. If you have Federal Family Education Loan Program ( FFELP ) or Health Education Assistance Loans ( HEAL ) owned by a third-party lender ( usually a bank or credit union ), or a private loan with this type of statement ( view image ). '' Apparently, Navient considers XXXX XXXX to be a " third-party lender ( usually a bank or credit union ) ''. 

Now I have no idea where the check is. Navient refuses to tell me if they will return the check to the bank because it was sent to the wrong address, or if they will transfer it to the correct address so it can be credited to my account. At one point, the Navient representative told me " There is a possibility that the US Department of Education may have already cashed it in which case the money is gone, '' which is horrifying if true. 

Can Navient simply keep my money and not credit it to my student loan? Or must they return it to my bank, or forward it to the correct address for processing? And why is their Contact Us payment page so confusing, listing 3 different groups of loans and payment addresses, none of which seem to apply to former XXXX XXXX customers with Consolidation Loans?