davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL (NC)

A payment was missed because it went to the wrong bank when it was scheduled for a payment date. the date it was to be paid was by XX/XX/year>. When my payment did not reach the bank it was intended for, I received a text that an attempt is being made to collect a debt from Synchrony Bank. I called that bank & they said they did not receive it. I explained that I had scheduled it to be paid before the due date. They told me to look into it & I did call my bank. My bank did pay it but it went to the wrong bank. They investigated & found it so they were to send it to that bank & it could take up to 4 days. Now the first text from Synchrony Bank was on XX/XX/XXXX, then another on XX/XX/XXXX. I also received emails that I was late & overdue. I had contacted them on XX/XX/XXXX when they texted me it was late. They knew it would take a few days for this but they are still sending me emails about it. It feels very much like harassment to me. This bank is relentless. Today I received another email that it is overdue. After this I am considering closing my account because i do not like the way they handle problems.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Where to begin? Since my federal loan was transferred to Mohela I initially noticed the balance on my loan jumped from XXXX to XXXX even though interest was frozen due to the XXXX pandemic. When I first tried to correct this issue through the department of education complaints, Mohela disagreed with my complaint and shared a record of payments I made since XXXX  as their evidence, but it actually proved I was correct. When I tried to explain to Mohela that somehow they were charging me the " Original '' amount of my loan with XXXX when I consolidated in XXXX, instead of the ending balance after XXXX, I could no longer get through to them. I have tried calling, but can not reach an actual person, and I have sent messages through their online system with copies of documents proving my case, but their response is that my issue is too complex and needs to be handled over the phone. Which means they are avoiding me. The significance of my case is that they could possibly be doing the same with other loans and incorrectly charging borrowers the wrong amount, and calculating repayment using these incorrect amounts.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (OK)

My husband 's ( separated ) credit history is showing on my credit report. I have been an authorized user but not a co-signer on his credit cards. 
My credit score is being effected by his spending and payment history.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax, XXXX and XXXX are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only XXXX address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I paid my account XXXX years ago and never received my title. I called chase after some time and they had indicated for me to call the dealer who indicated that, no, Chase would be the place to contact. I contacted Chase and attempted to get my title sent to me but was not successful. Now I am in need of the title for a new state 's registration and I am still unable to receive my title. 

I contacted them today, XXXX. They transferred me to the auto department, and after provided my information they paused and disconnected the call. Trying to call back, I still unable to be helped and I am in a very precarious position as I must register my vehicle using the title that is rightfully mine. I am now unable to reach anyone regarding this at Chase, and will be seeking legal recourse should the matter not be resolved in a timely fashion. 

In sum, I paid off my loan owned by JP Morgan Chase, never received my title, and have not been assisted in receiving the title for my vehicle since paying it off roughly in XXXX. I am now in need of this to continue operating my vehicle in a new state, let alone access all the other privileges that come with possessing the title of a vehicle.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Subject : Complaint Regarding Chase Bank to CFPB Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding an issue with a refund from a merchant. In XXXX, I received a refund of {$680.00} fromXXXX However, Chase Bank erroneously charged me for this amount, insisting that it was a debt that needed to be repaid. Furthermore, they added an additional {$13.00} as interest on this supposed debt. 

I want to emphasize that this refund was rightfully mine and not a debt owed to Chase Bank. It is unacceptable that they are attempting to coerce repayment, especially with added interest, for funds that are rightfully mine. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that Chase Bank rectifies this situation promptly by rescinding the erroneous charges and reimbursing any associated fees or charges incurred. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

None of the XXXX major credit reporting bureaus have my employment information since 2012 and some do n't have my correct and legal name from my legal social security card which is XXXX XXXX XXXX not XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit 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: CITIBANK, N.A. (CA)

My Citi Bank card was charged on two separate times at a XXXX XXXX XXXX that was not done by me. The amounts were for {$210.00}, and for {$55.00}. Both charges were done on the same date of XX/XX/2024. I didn't notice these charges until I viewed my statement some days later. Once I saw them, I immediately filed a dispute via my Citi Bank app. After several more weeks of not hearing any response, I called in and spoke with customer service. I was told that the request was denied due to " lack of information. '' I then re-submitted a dispute with customer service on the phone, providing all information they requested. That I did not loose my credit card, that I never lost posession, loaned, or allowed anyone else to use it, etc. They submitted the dispute, and again weeks went by with no answer. I called them again, and was told that my dispute was again denied. The lady explained to me that they were denieing my claim because my credit card is a " chip '' card, " and is unable to be scanned, replicated, or hacked. '' That is absolutely absurd, and false. Around the same time frame of XX/XX/XXXX, my debit card and another CC were also frauded, and the other company had no issue refunding and correcting the issue. In fact, the bank explained to me they were dealing with lots of " hot '' charges at the time and were aware of RF scanning in our local area, and assured me that even the newest chip cards were unfortunately not completely safe from being scanned at gas pumps, rf scanning devices etc. 
I called Citi Bank again to try to re-open the claim and provide more info, and was told I could not do that. The lady gave me the advice of " the only thing you can do is HAND WRITE a letter to the President of the bank, and ask him for your money back. '' Laughable at best. Not only was the customer service at Citi Bank a joke, but the fraudulent charges have just been collecting interest charges. I don't know what else to do. I've been a resident in this town for 30 years, and have been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not make the charges, and am requesting something be done to correct these issues.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

I am a home owner and I make my payment electronically every month without fail. I received an email on XX/XX/XXXX telling me that my lender is adding a {$3.00} fee for this type of payment. And the only way to avoid these payments will be to register for automatic payments from my account, or to pay by check. I have no interest in using automatic payments and think its very inappropriate for my lender to force me to do so. I will have to begin paying by check which is an outdated and slow process that can lead to late fees. Now I will have to write and mail a check BEFORE I get paid to ensure my payment is posted on time. 

If I was not paying attention, and many people don't, these fees would add up to more than {$1200.00} over the term of the loan. This kind of revenue stream is predatory in nature and is designed with only the bank in mind and complete disregard for the consumer. 

It's unfair and should not be allowed. I hope the CFPB hears from other homeowners and requires Caliber to reverse this policy immediately!
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIRST HORIZON BANK (FL)

I have arranged financing to avoid foreclosure and keep my family in my home while my wife undergoes XXXX treatment. She is also facing a high risk XXXX due to her condition and has a detached retina as well. XXXX XXXX is refusing to communicate with me and they will not even sell the mortgage note to a XXXX party that is willing to not only pay the price of the note, PAR plus interest, as well as any legal fees involved. The XXXX XXXX XXXX is trying to help me stay in my home and help my family out but XXXX XXXX is refusing and they are putting my wife 's and unborn child 's health at risk. Below is the email chain and I removed the names except for XXXX who represents XXXX XXXX. I can forward the actual email upon request. I do not see how a mortgage company can do this to a family in need. I XXXX ( XXXX hours ago ) to XXXX XXXX XXXX XXXX Adding the borrower to the thread. We would be happy to pay PAR plus interest and all legal fees to date. This would all be in conjunction XXXX the cooperation the borrower and full releases for the lender by the borrower. All done In the efforts to refi him. 


XXXX, XXXX XXXX ( XXXX hours ago ) to Good morning, I spoke with the folks at the bank, and they are not interested in selling the loan. Thank you for reaching out.
Consumer complaint received 2024-04-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank, who manages my Amazon Store Card, closed my account without notice on XX/XX/year>. My credit card was not delinquent ( under my credit limit ), however I was informed upon calling Synchrony 's phone number on XX/XX/XXXX it had in fact been closed on XX/XX/XXXX due to two previously failed payments of {$40.00} each. My credit has been adversely affected, my consumer relationship with Amazon has been harmed, I was charged a false {$40.00} late fee equivalent to one of those payments, and it is evident that my XXXX missed payments were due to blatantly misleading information and egregious mismanagement on Synchrony Bank 's part. 

XXXX payment of {$40.00} was initiated the morning of XX/XX/year>, my payment scheduled date. It was not debited from my XXXX  XXXX XXXX checking account until late XX/XX/XXXX, at which point doing so overdrew said account by - {$4.00} due to a small additional purchase the same day. That elapsed time approximates to 3 full business days, and would otherwise be an appropriate timeframe -- if not for Synchrony clearly citing otherwise, in several contradictory statements. 

While email confirmation states " funds are deducted from your bank account 1-4 business after the payment scheduled date '', the very same email 's inbox heading states instead : " Your payment will post in 1-2 business days. '' Even if Synchrony were to argue my payment debit could be considered only 2 business days, the Amazon Store Card app, from which Synchrony payments are actually made, explicitly informs users upon payment : " Payments will process and will appear in the activity page within 48-72 hours. '' No reference to " business day '' or even " day '' is made, and under no circumstances could the word " process '' reasonably be interpreted as anything else than a successfully debited payment, given the text of Synchrony Bank 's Amazon Store Card cardholder agreement.

Synchrony Bank can not claim that ANY of the above quoted timeframes refer to a payment 's Synchrony account credit, because their Amazon Store Card cardholder agreement confirms : " Payments received after XXXX  p.m. ( XXXX ) will be credited as of the next day. '' If Synchrony Bank adhered to their cited timeframe upon me making my payment, " 48-72 hours '', that payment would have been debited from my checking account and processed by XX/XX/XXXX at latest. Instead, Synchrony only attempted to debit my checking account on XX/XX/XXXX, causing me to miss my {$40.00} payment, and promptly charged me a false late fee of {$40.00} on XX/XX/XXXX equivalent to that mismanaged payment.
Consumer complaint received 2024-04-16
Product: Credit 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. (CA)

My XXXX XXXX XXXX son made un-authorized charges to our credit card account through the XXXX gaming application. This was tied to our XXXX account, which is tied to our CHASE credit card account. Over the course of XXXX weeks, my son charged {$580.00} to our credit account. Chase did not advise us of ANY suspicious charges until XX/XX/2024. On XX/XX/XXXX, we stopped the charges and contacted XXXX, XXXX and Chase. None of them will reimburse us. My claim was denied as it stated that we received a benefit from the transaction. However, they did not notify us of any suspicious activity until almost XXXX weeks after it started and they were not authorized charges as they were made by a minor.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I did a real-time transfer ( ACH ) payment to a terminated employee for the amount of {$550.00}. Chase debited my account but rejected the real-time payment and it is still shows in my payment history as rejected. 
Next day I was instructed to re-submit another real-time payment on the XX/XX/XXXX as the first one got rejected. That payment went through and I was told the original rejected payment of {$550.00} on XX/XX/XXXX which was debited will be credited back but they never credited back. Now I have 2 debits of {$550.00} and one of them should have been credited back to me long time ago. 
I have called them numerous times, Contacted them online at least 4 times, filed at least XXXX claims with Chase but no credit as of today and they don't even explain why they do not credit the amount which still shows as rejected on their website!
Consumer complaint received 2024-04-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

I filed a forgiveness for my student loans. They said in writing that after 3 years from submission of forgiveness that if a decision wasnt rendered then they would automatically be forgiven. No decision was rendered. Its been way over 3 years. Please forgive my loans.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I already typed a lot of information and the system timed out. Too much information to renter. It is about my account that needs to be corrected on my credit reports from the loan servicer NELNET at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (IL)

I bought a car through Ally Financial, lost mu job in XXXX of XXXX. I voluntarily surrendered the vehicle in XXXX. I called several times to have them to pick up the vehicle. Finally they came in XXXX to pick up the vehicle, but they put two late payments on my credit report. When I requested them to pick up the vehicle my credit was in good standing and I was up to date on my payments. I feel that they waited to claim the vehicle so that they could charge me for more payments. They finally picked up the vehicle on XX/XX/year>. I called they on XX/XX/year> to ask them for the Bill of Sale for the vehicle from the auction. The representative said that they didn't have this information at the time and they would send this information to me. No I have received a latter from them saying that I owe them XXXX. I haven't received proof of the sale from the auction.
Consumer complaint received 2016-06-27
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (HI)

Hello my name is XXXX i have a joint account with my friend. An agent told me that my account was closed and I do n't need to worry about any payments. Please let me know what I have to do because its effecting my credit!!! HELP ME PLEASE ACCONT NUMBER IS : XXXX - and there is a XXXX you can reach h me at my cell ( XXXX ) XXXX Thank you,
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I am forced to file a second complaint against my bank, " CHASE, as they took no action to help resolve and rectify the issue with my first complaint. On XX/XX/2024, I withdrew XXXX XXXX pesos, equivalent to {$440.00}, from an ATM outside the country ( XXXX ) located at the airport. I quickly discovered multiple bills were counterfeit and went into the bank in XXXX. They verified that multiple bills were counterfeit and advised me that I would need to contact my bank in the United States for reimbursement since it would be charged to my debit card. The bank filled out some paperwork, and I left. Upon my arrival in the United States, I went into Chase Private Client Bank, located at XXXX XXXX XXXX, XXXX, FL. XXXX. They filled out paperwork, took some of the currency, and filed a claim. After several months, Chase and the bank in XXXX blame each other, and the only victim is me, the customer. I was charged for funds that I didnt get. Chase needs to dispute the money with the other bank, or at the very least, it needs to have insurance to protect its customers. I am looking for credit for the funds that were counterfeit. ( Claim XXXX )