davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

I applied for a loan modification in XXXX 2017 with the assist of XXXX ( HUD counselor ) all documents were sent in at the required amount of time. My HUD counselor called to get an update and was told she could not be updated and we needed to resubmit a 3rd party release form which was sent twice previously to her call. I called a day after resubmission of that doc for receipt of it being received and was told that the 3rd party doc was received and also the modification was denied in XXXX on the day the HUD rep had called. During the call, I was told I had the option to resubmit my application during the appeal process time. My application was resubmitted on XXXX XXXX or XXXX. My HUD rep called the next week for an update and was told that the modification package was submitted to soon and that she needed to resubmit before or by the XXXX of XXXX? No phone call from the point of contact ( XXXX XXXX ) or any informational documents were sent to make me aware of this. My third application was resubmitted, as directed, on XXXX XXXX. I have received a notice on XXXX XXXX stating it can not be evaluated due to a lack of time between the sale and the application 37 day evaluation. I feel I have been treated unfairly and myself and the HUD rep have been given the run around and continuous misinformation. I feel every step to this process was initiated properly on my end. I feel the information and lack of communication by the company should be evaluated. I may loose my home because of the lack.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

I am current on my mortgage with Chase Bank and have been since XXXX 2013. My interest rate of 10 % is a predatory loan which I have tried unsuccessfully to modify twice with Chase to no avail and can not qualify for HARP because my loan is not with XXXX. Chase continues to add unwarranted fees such as having someone come by my house, which I 've been in for eight years now, to make sure " my family still lives there ''. I was just put in collection in XX/XX/XXXX while not being late on my payment. When asked why, I was told because my payment was late. Clearly it was not. They waived the late charge but I 'm not sure they will report this correctly to the credit bureau. I need help getting rid of this loan and refinancing to a market rate loan. Please help.
Consumer complaint received 2015-09-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (IL)

Rise Credit Financial ( also known as XXXX XXXX, XXXX XXXX ) is refusing to work with me in extending payment plans and being deceitful in not explaining the interest rate up front. I was told originally that this was not a payday loan but an installment loan with low interest rates. I was not made aware of of the high interest rate of 98.71 % until after I signed the loan documents. My maturity date is XX/XX/XXXX with a total of {$8200.00} to be paid in full once this loan matures. I currently pay $ XXXX monthly on a {$4000.00} loan. I have made five payments and my current principal is {$3900.00}. This company is a scam, I would not recommenced this organization to anyone whether you are seeing a long or short term loan.
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I am a XXXX and I currently have around {$42000.00} in Direct Public Loans ( DLSCNS and DLUCNS ). My service provider was originally XXXX/Navient and I believe I was given poor information on my repayment options. I worked for a XXXX for 2 years XXXX , XXXX, and XXXX. When I was with XXXX/Navient I was weighing my options on wether or not I should enter XXXX Loan Forgiveness or Public Service Loan Forgiveness. I spoke to numerous XXXX/Navient representatives on the phone and I was advised to go with the Public Service Loan Forgiveness. I submitted all the required paperwork for the Public Service Loan Forgiveness, however once I consolidated and moved my service Provider to XXXX servicing I became aware that the two years teaching at a title I school and the one year that I taught at a Not-for profit school, that my payments did not qualify. Now I am 4.5 years into forgiveness and only 1.5 years will count. I feel as though I was wronged by incorrect information from several XXXX/Navient employees whose job it is to know the specifics of their field and provide guidance. Now it will take longer for my loans to be forgiven through this program. Someone needs to look into this discrepancy and figure out how I can get my hard years of service of XXXX
Consumer complaint received 2022-08-03
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: BARCLAYS BANK DELAWARE (KY)

I opened a CFPB complaint previously, it was closed today. The response letter I received for my complaint was for a different customer, with a different issue. ( See attached ). 

My issue remains unresolved. XXXX from the XXXX office called me last XXXX to inform me XXXX ) that she would not be calling to update me any longer XXXX ) they know a credit needs to be issued, but informs me it will be issued on their remediation timeline. 
XXXX ) they forced me to make a minimum payment beyond what my accurate balance is in order to prevent the account from going delinquent. They refused to adjust the balance to the correct valance, or the minimum payment. 
XXXX ) that i would need to continue to pay any over-inflated minimum payment until they decide to resolve the matter XXXX ) they were closing the complaint because of their needed deadline, even though the matter is not resovled in any way, shape or form ... and now they have the nerve to send me the response of another customer, with his personal information of name, address, checking account details, etc. 

Barclays clearly has no controls in place what-so-ever. They refuse to comply with the law or handle billing disputes for duplicate balance transfers.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MD)

CitiBank refuses to honor their printed terms and conditions to give me XXXX Thank You Points for every dollar spent on a cruise charged to my CitiBank Thank You Premier credit card. Their written terms and conditions ( T & C ) state : XXXX Thank You Points for every dollar you spend on purchases at ..cruse lines. Further down on the T & C it specifically states : " Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes ''. 
My credit card charges ( dated XX/XX/XXXX and XXXX/XXXX/15 ) are listed as for " XXXX XXXX XXXX '' in a category called " MISC AMUSEMENT / RECREATION SERVICES ''. The total amount of the XXXX charges is $ XXXXCitiBank says that even though this is a cruise, because their system code for this charge was NOT a cruise code, they will not honor their terms T & C. They say they have sent this matter XXXX to their dispute department and my request has been rejected XXXX. They also tell me if my car repair shop ( or anyone else ) sent in a charge with the cruise code I would get the XXXX points per dollar spent. CitiBank says it is not their problem if something is mis-coded. They say the actual facts or truth as to what was charged does not matter, nor do their T & C. Only the coding matters.I disagree and look forward to assistance from your office in this matter.
Consumer complaint received 2017-03-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citi Bank had a promotion requesting general public to open saving account, maintain the required balance for 3 months and receive the cash bonus. Through their promotion page, I enrolled, opened the account and maintained the required balance. Citi bank promotion page did not say it was a targeted promotion. 3 different citi bank phone representatives confirmed that I have met the requirements of the offer and even gave me a date that by XX/XX/2016, the cash bonus will be credited into my account. On inquiry in XX/XX/XXXX, I was first told that it was a targeted promotion. When I proved that it was n't, I was asked to visit the nearest branch to submit all the documents and they will help me resolve the matter. The Branch officials simply washed their hands saying since I opened it online, I should contact the citi bank phone officers. Citi bank Customer support seems clueless about the matter where they are agreeing that I met the conditions but do not know how to resolve it.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

XXXX XXXX at XXXX, texas XXXX, XXXX XXXX used outdated information against me in the Texas corporate law of Texas, would not give me copy, asked to mail me one instead he change subject, tried to manipulate me, i know this i have receive a settlement on the same law violation, I told them that like he did not care ( corruption ) and working another one,,, ,XXXX is commit fraud, discriminate, identity theft or XXXX,,, he could not go back so far, not work related, not to exceed a certain amount, its clothing co,,,,, he claims he does it all the time its company policy to brake the law or bended engaging organised crime thru parties,,, the client tells him to do it,,,
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NJ)

After i consulted with my medical provider, i was asked to speak to the billing coordinator prior to scheduling anything She provided me with literature about care credit financing attachment included It was aligned to me that there were various payment options available including promotions for interest free financing over periods of 6, 12, and 18 months. I was told my purchase would also qualify because it would exceed the minimum purchase requirement. I was also told that i would have to be approved for credit worthiness. The credit application was submitted and accepted. The purchase was made in the amount of {$4300.00} and automatic payment was subsequently set up for $ XXXX monthly which would coincide with 18 months of payments totaling {$4500.00} so that the balance would be paid by the promotional expiration. Since automatic payments and electronic statements were enabled no statements were viewed until within the last week when the balance was checked in preparation for the final monthly payment only to discover that the promotional rate had expired and we were charged the purchase interest rate approx {$1100.00} as well as a few months interest. I was immediately sick to my stomach as i was unaware of how this could have happened. After contacting my medical provider i was told repeatedly I 'm sorry there is nothing we can do we only offer 12 month financing. I explained that i had the brochure i was provided stating availability of 6,12, and 18 months promotions and that i was told we had the option of all three to no resolution. i took further action of contacting care credit, explaining the situation in full as well as requesting to speak to the dispute resolution department. I was told by the representative that the dispute department could not help me and would not speak to me. I asked the representative if she could assist me and was told no, i inquired who i could speak to about my situation to find a resolution and was told " nobody ''. I was left without any action and felt totally taken advantage of as well as left helpless and with guidance as to how to proceed. I plan on paying the full balance including the interest charges despite feeling completely ripped off and that i should not have to based on the following : Deceptive Enrollment Process- I was not provided adequate guidance making me aware of the available options, terms and conditions by the dr 's office and was never contacted by the credit company. 

Inadequate Disclosures- The only explanation offered about available promotions was through the dr 's office billing staff which aligned that i was able to use any of the available options in the brochure.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (MA)

XXXX/XXXX XXXX recently changed to XXXX so new cards were issued to users. I attempted to call XXXX to get back statements from 2015 in order to do taxes ( I keep all business expenses on that card ). They told me I had to get that info from XXXX. I contacted XXXX and they said they had to request the info from XXXX and it would take 14 business days, which is unacceptable when just a week ago all this information was available online. Both companies are being difficult to work with and are unwilling to get me MY statements in a timely fashion. I have no recourse as the little guy dealing with XXXX giant companies and they are not giving me fair, timely information.
Consumer complaint received 2017-01-29
Product: Prepaid card — Electronic Benefit Transfer / EBT card
Issue: Fees — 
Company: Comerica (NJ)

I receive monthly stipend for being a XXXX via a debit card managed by eppicard, the card is issued by Coamerica Bank. I went to withdraw a payment that was just put onto the card and was told there would be a {$2.00} fee. I was told there is only one free withdrawal a month - even though multiple payments may be put onto the card each month, in place of the state sending out a check. When I questioned this, I was told the state of NJ was taking the fee - - made no sense.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

I found out about late payments on my loans ' histories, and called to challenge their legitimacy. I spoke with a woman named " XXXX '' ( ID XXXX ) from Fedloan Customer Service, who advised me to file a Credit Dispute Form. I faxed this form directly to Fedloan, and uploaded an additional Goodwill Adjustment request online. Essentially, I pursued both formal, and informal, requests for Fedloan to " hear me out '', as I did not believe they failed to provide any proper notice. " XXXX '' reviewed my account and disclosed the address that one letter, over the lifetime of my 20+ late payments, was not listed. In addition, the email address was invalid, and no records of a phone call existed in regards to the late status of my account. 

Later in this complaint I will attach the PDFs of both the Dispute Form, and the Goodwill Request, the latter of which contains the record of my XXXX Credit Report to verify the listing of the late accounts. These were submitted on XX/XX/2017, and I have not received any contact, via email, phone, or letter in regards to these claims. With this being day 31 since the dispute was filed, I would like to report Fedloan 's inaction to the CFPB.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STATE FARM BANK, FSB (TX)

I had an account with State Farm Bank, ( credit card ) with a small amount outstanding. In fact I rarely used that card due to its high interest rate. 
I was reported to credit reporting agencies according to the Bank on XXXX occasions for late payment. 
I never received any statements from them, either by mail or e-mail. In fact after receiving a letter from them several months ago, I asked them to send me paper statements. I was told they would but in fact that never took place. 

I subsequently spoke with a supervisor who asked me if I had been made aware that their e-mail services were not compatible with a XXXX browser. This information was never relayed to me, hence the statements were never received. Once again I asked for paper statements, and once again, the bank omitted to comply. 

I asked the supervisor to start a review to remove the bad reports to the credit reporting agencies. 
Received a letter from the bank 2 days ago stating that " the i related to my recent credit reporting dispute, has determined that the information we provided to the consumer reporting agencies was accurate ''. 

In this case obviously, the bank was negligent in providing relevant and necessary information to me ( the client ) regarding browser incompatibility and failed on two occasions to comply with my request to provide me with statements via XXXX as requested.
Consumer complaint received 2017-01-31
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Access Financial LLC (ID)

An employee named " XXXX '' began contacting me while I was at work. I asked him many times to not contact me there because I could lose my job, due to the thirty calls he had made the previous day to my employer. He advised me that my work was a XXXX number and he has the right to continue to call over and over and over until he gets payment. This has carried on over the past three weeks and it has went way past them trying to collect a debt. XXXX calls and trys to trick other employees, acting as if he is a customer trying to place a take-out order, and requests that I, XXXX XXXX help him. As soon as I get on the phone, XXXX begins his harassing tone. I have advised him that he can call my personal cell in order to discuss the account NOT my place of employment. He is calling other workers and lying to them, saying that he just spoke to me etc. which in fact, he had not. He tells everyone whom answers the phone that they are liars when they inform him that I am not there. They hang up and he just calls right back over and over. He has been informed many times that this was a work number and I might lose my job. I also sent them a Cease all communications form ( I am working with a debt consolidator called XXXX ). The emailed response that I received stated because XXXX works for " XXXX '' and he is not an outside party, he can call me anywhere at anytime to collect this debt. I have lost my job due to " excessive personal phone calls ''.
Consumer complaint received 2017-03-17
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems Inc. contacted me mid XX/XX/XXXX stating my debt with them ( I had a student loan default ) was bought by " another company '' but TSI was continuing the collection services. TSI said they would no longer honor my previous payment arrangement of {$120.00} per month which I have been paying consistently since the debt was bought by TSI. The telephonist was super aggressive and said they would only consider a monthly payment of {$280.00}. They said they would contact my mother ( who was the cosigner ) and begin trying to collect from her and they would not stop until the debt was collected in full. The debt amount is around XXXX. I bargained them down to a figure of {$140.00} per month. I then get a letter from TSI on XX/XX/XXXX ( about a month later ) stating they would " honor '' my " previous payment arrangement. '' I suspect they have this scam going where they attack people and get them locked into a new higher payment schedule before they send out any letters stating they 're obliged to honor previous arrangements.
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I was the victim of a identity theft. Once I became aware of the situation I notified my bank and filed a report with the FTC. Initially, the bank refunded the fraudulent charges but they have since taken back the credits and closed my accounts. They still owed me {$1500.00}. Then they accepted a deposit from my employer after my account was closed and are refusing to give me this amount as well. I filed a police report in XXXX, XXXX and also in XXXX XXXX. I was contacted by the detective in XXXX today ( XXXX/XXXX/16 ) and was told that they have the suspect in custody. He had the forged identifications in his possession at the time of his arrest. We have been going back and forth with the bank for 2 months to get this issue resolved. At this time, they are showing that money is owed to them by me from the fraudulent charges. The manager at the branch office that I have been working with is now telling me that they are too busy to help me further. I have submitted copies of both police reports and the FTC report to the bank and they are still not willing to resolve the issue.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I pulled a copy of my Equifax credit report and after reviewing the information, I noticed that Equifax have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/2018 and have been on my file since then. I have disputed this information with Equifax to get no response, or just completely ignore the fact that the information, is incorrect. Equifax is in violation of Public Law XXXX, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy XXXX  has no interaction with credit bureaus, including Equifax, XXXX, and XXXX XXXX The Bankruptcy XXXX does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
So how is this placed on my consumer file since the court did not furnish this information to Equifax.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I file a Complaint with Wells Fargo related to a XXXX transaction for {$600.00}. The transaction date was XX/XX/22. The transaction was sent to the wrong email address. I reported this by phone to Wells Fargo on XX/XX/22. They stated they would begin an investigation of the transaction at that time. I have claim number with Wells Fargo that I can provide to you. Wells Fargo sent a a letter on XX/XX/22 that they were still investigating and would follow up, but they have not. On XX/XX/22 I called to request that Wells Fargo send me information they are using in their " research ''. I was told this could take longer than 30 days, but I may hear from Wells Fargo on their own initiative at some point.