davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (GA)

Today I attempted to pay off a loan with BB & T on their website ( {$8200.00} ). Though that amount was a payment option, it would not let me pay that amount. I received a message that for payments greater than {$1000.00} I would have to call, which I did. After several frustrating minutes wading through a voice prompt system, I was finally prompted to enter my payment information. After entering the information, I was notified that I was being transferred to a human being. After remaining on hold for several minutes I was told that I could only pay {$5000.00} over the phone, at which time I asked to speak to a supervisor. Again, after remaining on hold for a few minutes, I was told the same thing by this supervisor, who refused to transfer me to a higher supervisor. I explained that this was unacceptable, but then said I 'd make the {$5000.00} payment today and the balance tomorrow. At this time she said she could n't log into the system to do it, and put me back on hold. Totally frustrated, I hung up. So, I 'm now being charged additional interest on a loan I simply want to pay off.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.M. Galicia, Inc. (CA)

Reference case # XXXX I dispute response from Progressive. This is the first time I have seen their documents. 

1. Dispute of the nature of amount owed : On XX/XX/XXXX, XXXX disputed the alleged debt within the 30-day period. When we received their letter of XX/XX/XXXX, she disputed both the validity and the nature of the amount owed. This is stated in the last sentence of her first paragraph ( attached letter labeled " CFPB-XXXX '' ). 
I did not receive a reply nor did I receive any documentation I asked in my letter. This is the first time we have seen their attachments ( you can see the footer date is XX/XX/XXXX ). 
2. Dispute within 30 days : Within the requisite 30 days, their claim was disputed. 
3. XXXX not a signatory : As you can see in the attached file labeled " CFPB-XXXX '' I did not sign any documents. None of these bear my signature. 

Original statement : On XX/XX/XXXX, I disputed the alleged debt within the 30-day period. When I received their letter on XX/XX/XXXX, I asked for detailed documentation in the attached letter labeled " CFPB-XXXX ''. 

I did not receive a reply nor did I receive any documentation I asked in my letter. Instead, they blatantly violated FDCPA, FCRA and despite my admonition, falsely reported against both of our credit files with the XXXX bureaus.
Consumer complaint received 2017-04-14
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (NY)

I borrowed these loans while I attended my University back in XX/XX/XXXX-XX/XX/XXXX. I had an original balance of about XXXX after graduating. But somehow through so rough patches in life and work, somehow the student loans have gone up to XXXX. I have been making current payments for almost over a year now and it seems to not be decreasing
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I graduated college in XX/XX/XXXX. I had a private loan through XXXX ( now the loan is owned by Navient ). I got married in XX/XX/XXXX, we have XXXX child, a house car etc. The entire time, I never missed a payment. In XX/XX/XXXX, my wife and I filed began the steps towards divorce. She moved out of our home. My private loans were about {$500.00} a month. She stopped paying her half of everything, including the mortgage. I could n't afford this all on my own. I contacted Navient and asked for help ( several times ). I asked what my options were, hoping for a lowered monthly payment or a new income base repayment that took my bills and debt into play. Every time I was steered towards forbearance. Finally, when I felt that I had no other option and did n't want to miss a payment, I agreed to go into forbearance. I asked several more times, but again, was told that this was my only option. My monthly bill is now {$530.00} and I am having a harder time than ever before.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (WA)

This item has been removed all the way back in 2015 it just popped back up on my report which i have filed a complaint on XXXX they have responded that they will have the information deleted from my credit report and I am asking that you do so.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

My complaint is with Equifax. I 've reached out to Equifax customer services and more than four times regarding unauthorized hard credit inquiry reflecting on my credit file. I was advised to contact the company and advised them to remove the inquiry ; however, when contacting the company they did not see the inquiry on their end nor did they have account information on me. When calling Equifax back the representative informed me she could/would not be able to assist me and I would have to simply wait it out and let it fall off. Unauthorized hard inquiry is XXXX made on XXXX/XXXX/2016. I 've informed the rep of this information and she still declined to assist me. I asked for a supervisor and was placed on hold and eventually hung up on.
Consumer complaint received 2020-04-22
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

URGENT! 
I want LoanCare to pay the HOA fees as agreed before I loose my home on XX/XX/XXXX due to a foreclosure sale. I received the following email on XX/XX/XXXX and I need clarification : Good Morning XXXX - The client has informed us that they will not be paying the outstanding HOA dues in the amount of $ XXXX on a $ XXXX loan. Also, the client is aware of the sale on XX/XX/XXXX, and are well aware that CA is not a super lien state. Thank you XXXX XXXX Mortgage Resolution Specialist- Default LC-Foreclosure Department LoanCare, XXXX O : XXXX F : XXXX XXXX : XXXXXXXXXXXX XXXX : www.myloancare.com A : XXXX , VA XXXX XXXX # XXXX I am NOT sure if there is a communication issue BUT I have sent the following emails as to my intentions last week and earlier today : XXXX Hello, Any updates on this matter? Also I explicitedly asked you all NOT to share my loan number and loan balance with the XXXX! Please let me know IF you will be paying the HOA fees. I mentioned several times that I will take care of the XXXX. I am only interested in the HOA fees being paid so this will stop the sale. However IF this is NOT feasible then I said to proceed with payment. I need your response before I loose my house. Thank you. XXXX XXXX XXXX XX/XX/XXXX Hello, Any updates on this matter? I was able to locate a statement from the XXXX XXXX HOA. The HOA stopped sending me statements years ago. I temporarily moved out of my townhome in XX/XX/XXXX and surprise I received 2 statements in the mail from the HOA a few weeks after I moved. One reflects a balance of {$6700.00} then a few days from that statement I received another statement reflecting {$20000.00}. The XXXX states I owe {$29000.00} in HOA fees through XX/XX/XXXX. The rest they are stating I owe to the XXXX : {$25000.00}. This is why I ask if you could please send a payment of the {$29000.00} to the XXXX XXXX HOA or even the {$31000.00} ( as per the Writ of Sale scheduled for XX/XX/XXXX )? XXXX XXXX Hopefully, LoanCare will be able to at least send me something in the mail that shows the HOA fees were paid in full and I will be able to appear on XX/XX/XXXX in the court to present that document to try to stop the sale? ******OR can you have some representatives from LOANCARE to be present at the sale on XX/XX/XXXX to issue this check to the HOA on that day to stop the sale of my townhome? ***** In summary I am asking for LoanCare to remit payment to the HOA ( XXXX XXXX ) in the amount of {$29000.00} or even in the amount of {$31000.00} ( per writ of sale ) to be on the safe side. Payment should be remitted to XXXX HOA c/o XXXX, CA XXXX. HOA ACCOUNT NUMBER : XXXX. Make check payable to XXXX XXXX. ( As I sent on XX/XX/XXXX in an attachment in an email to XXXX with Loan Care. Otherwise go ahead and proceed with the full payment of $ XXXX so the loan with stay in place and I wo n't become homeless next month.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2017-04-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (DC)

Received threating calls, that Ace will persue legal and criminial charges against myself when I paid off a loan back in 2009. But do n't have receipt that proves I paid it off. End up paying them back XXXX so the charges will be drop.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (CA)

I made a purchase of {$60.00} on XX/XX/XXXX using my Citibank personal credit card. That is the only purchase I made on this card in the last three years. As this card is used quite infrequently ( mainly as an emergency/backup card ) I relied on a statement to remind me that a payment is due. I did not have any alerts of payments or links to access statements made available to me by the bank. I proactively tried to access the account online on my own accord on XX/XX/XXXX and found that I do not have the online credentials to gain access to view transactions and statements. When I called customer service I was routed to collections department and informed of the delinquency arising from the XX/XX/XXXX purchase which, now had attracted a substantial penalty and had inflated to {$160.00} in total outstanding. Furthermore, this 'delinquency ' led to a negative impact on my credit score. All this happened without Citibank bothering to make a courtesy notification to me, a Citigold ( privileged banking ) customer in all these months to let me know of an outstanding amount that needed to be taken care of. All this makes me feel that there is an unfair and deceptive practice ( UDAP ) in play here where the bank is deliberately keeping its long-standing, 'appreciated ' customer in the dark about amounts owed and not being proactive about understanding that customer does NOT have access to their statement. And this payment of ~ {$160.00} also was made on the basis of verbal communication of amount owed via the telephone call as I do NOT have access to my written statements. Bank representative called this a 'bank error ' on XX/XX/XXXX and asked me to call back after the payment has posted. When I called back today, XX/XX/XXXX, bank is refusing to pull back this hit on my credit report. 
An identical situation arose with this very same card in XX/XX/XXXX resulting in a negative impact on my credit score. At the time I had requested the bank to set up alerts so I can be notified and reminded to make any payments that may be owed via this card in future. When inquired I was told that no such alert request had been made. I did make this request, as it was made over the phone. Please help! Thank you.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I was informed by my lender 's representative that I could eliminate my PMI on an FHA loan that several months ago had passed the five ( 5 ) year anniversary of it 's origination. She informed me that all I needed to do was pay for an appraisal and if the loan to value was at or below the seventy-eight percent ( 78 % ) threshold, the lender would remove the monthly PMI that I continue to pay. I paid for the appraisal and submitted it to the lender as she instructed me to do, but was denied the monthly PMI removal on the grounds that I needed to pay the PMI for at least five years ( which I have been doing ), the loan to value needed to be below the 78 % threshold ( which it is ), and that it was at the lender 's discretion as to whether or not they would remove the PMI ( this information was not provided ). I incurred the appraisal fee of XXXX and XXXX dollars ( {$350.00} ) and feel cheated by this lender 's misleading and negligent actions. I would like to have this matter investigated, as the appraised value of my home is XXXX dollars ( {$310000.00} ) as of XX/XX/2017. All I want is to have the monthly PMI removed from my loan and my appraisal fee fully refunded to me. I feel mislead and taken advantage of by this lender 's actions and seek assistance from the Bureau of Consumer Financial Protection to resolve this matter, since the lender has not corrected this problem. Thank you.
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (KY)

Chase Bank allowed a fraudulent check to go through my account. XXXX allowed my personal check to be cashed by one of their members and did not see that who signed for the check is not who the check was made out to. Chase, my bank, allowed that transaction, also ignoring that who signed for the check was not who it was made out to. I also blame the person whose job it is to scan the front and back of checks to people 's accounts for viewing purposes, because they even let that go! 

Also, Chase lied and said they have supervisors in the Claims department who can address getting my {$600.00} back by requesting an escalation on my signed affidavit and over the phone. A telephone manager ( " XXXX '' ) today said there is no such process. This was Chase 's fault. It is clear to even a nonprofessional banker that a thief signed their name on the back of a check that is not made out to them, yet I have to suffer 30-120 business days before possibly getting my money returned to me. 

Chase has the proof this is fraudulent. They also have my signed and notorized affidavit. I want Chase to give me my money back now, because it was their error, and they can chase after XXXX for the money. It is the fault of these two corporate banks, not mine!
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I hand it a {$9000.00} in cash to a teller at my bank without a deposit slip. She took the cash and run it through the machine, I did not have a visual to the counter and she moved to the side with cash in her hand talking to the teller next to her for a minute or so, then she came back typed in her computer and hand it a receipt to me with only {$8000.00} in it, I told her that I had brought {$9000.00} and I want her to recount the cash, she told me that she has put the money into the recycler and she ca n't opened the safe so I asked for the manager, she told me the manager wo n't able to opened it either. So I told her that I 'm going to check my record at home and I will be back so I did, came back and I asked for the manager. He also told me that he ca n't open the vault until the closing but he will call me next morning at XXXX. I had to call him after XXXX. He told me that the cash in the vault was balance and there was no overage so I asked for an investigation. The only things the bank did is run an audit but never investigated the incident. I wants for the bank to investigate to the full extant of what happened including visual video footage and also documents of that day cash reconciliation.
Consumer complaint received 2017-04-11
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PLS GROUP, INC (CA)

PLS Loan company contacted me through my employer by calling my work phone, which is n't allowed at my job and attempted to scared me by saying they have me on record stating I refuse to pay my debts when I clearly said " at this moment I will not be paying off that loan '' The operator was extremely hostile and demanded money or they would take further action, but did not explain what that meant.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (VA)

Here is the timeline of issues : XX/XX/2016- I signed a contract and placed a deposit with a company for a metal building for XXXX with an anticipated delivery date of XX/XX/2016. After that the building company was in contact with me and I started to get very suspicious of their business practices especially considering the high pressure sales tactics they used. I was advised that we could change the building at any time since I wanted to use it to build a primary residence and that no work would be done by their engineering group until we had agreed to the final design. Later I had a discussion with the merchant about possible downsizing the building and making it a garage, and then a few days later I received a packet of engineered drawings of a building that was similar to my original contract but not the same and obviously a boilerplate drawing. I followed up with the engineering company and the merchant and let them know that I did not authorize this and the drawings were not correct. I also was told that it was fine and not to worry as I could make changes any time. 

Later in XX/XX/XXXX I contacted the merchant to ask about cancellation and was told there were no refunds but I could downsize. I also contacted Discover to ask about their dispute policy as I was worried my window as coming up and was assured that they have a XXXX year dispute window and not to worry. Finally as I was learning more and more about this company I decided that I did not want to give them any more of my money and would like a refund so I called Discover to explain the situation and pursue a dispute based on the fact that the goods and services delivered were not was was contracted, the contract was illegal, and the work was never authorized. 

Discover sent the charge to dispute through the XXXX who allowed a XXXX day response window. THe merchant did not respond within the XXXX days nor were they able to provide anything in writing that showed I had authorized these drawings. Despite being outside of the window, not having anything in writing from the merchant showing my authorization, and an illegal contract by the merchant, discover still sided with the merchant. I sent them communications I had where I discussed that these plans were not authorized and showed them discrepancies in the contract but they still sided with the merchant. I explained that the merchant did not include the requisite 3 day rescission window and also pointed out that my dispute date of XX/XX/XXXX was within the timeframe of the anticipated delivery date on the contract. I then pointed out that I received incorrect information from Discover in XX/XX/XXXX that led me to believe I had a XXXX year window of protection. Despite all of these facts, and no documentation from the merchant that I authorized these drawings, Discover still found against me.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OH)

I have been working with Chase Bank ( XXXX XXXX ) on refinancing my current mortgage loan and feel they have deceived me into thinking my closing cost would be {$1300.00} when it actually ended up being much higher than what they told me. I have attempted to talk with them and get a clear explanation but the representative I was working with was giving me the runaround and making misleading claims trying to get me to believe it was really {$1300.00} but it was not. I have asked if they would refund my {$500.00} application fee but they said it is non-refundable which I was aware of when I started the process but I wasnt aware they would mislead me on the closing cost the way they did. I have since went with another bank. I have tried to discuss the matter with the bank manager (  XXXX XXXX ) and she said she would get back with me after our last call together but after numerous attempts to reach her she wont return my calls.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (CA)

All of my bank accounts at Chase had the money transferred without my knowledge to different accounts leaving me with a {$0.00} balance in every single account I had with Chase. My credit card account was changed including updating my email and asking to have a fraud alert added to the account. Chase then proceeded to notify a XXXX party who was committing fraud on my account of my new information causing continued distress and financial loss.