davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (WV)

I received a credit card in the mail from USBank. It says it's a debit card. I called and continue to get a busy signal. I searched and found that many people receive this card instead of a hard paycheck from a job. I just started a new job and thought it might be from them so after being unable to reach the company by phone, I created a username and password online and opened a new profile on their website. I had to complete the profile to see that there is no money on the card and that they just want me to use this card as a debit card which I do not need or want. I searched the website and called to have them close the account and can't get any answer on the phone and there is no link on the website to close.
Consumer complaint received 2017-03-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I wanted to see I can can get a credit increase on my credit card from chase bank so I asked and at first I really did not understand the girl but I started to listen really hard and I started to pick up what she was talking about. we went through the process and then I was declined and then she told me that after 180 days you can ask for a increase than I told her then why didnt you tell me before because I would of said no I have only had my card for 4 months and at XXXX after 3 months you can ask for a credit increase, but they didnt tell me until me until after the fact and they keep saying that I gave the approval for the go a head to run the credit, these people lie just to run your credit score and are very unprofessional, while talking to XXXX I had asked him to let me speak and he did and when I asked him a question he would not answer back or respond he would just stay silent then he would say why I am letting you talk, he was acting like a child.
Consumer complaint received 2017-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Hello, This is in regards to my Student Loans, Personal and Federal, being serviced by Navient. 
My student loans were due for repayment on XX/XX/2015 and I created a bank account to fund the repayment from an addition job I started just for repayment a year earlier. I have called in XX/XX/2015 and was told no payments were necessary and I could wait until XX/XX/XXXX. 
On XX/XX/2015 Navient successfully performed a " XXXX Dollar Debit '' to test drafting from the account. On XX/XX/2015 Navient informed me that they tried to draft from my account and the bank was unable to find my account. 
Between the XX/XX/XXXX to XX/XX/XXXX, there were multiple retries until I transferred the finds to another bank and submitted payment over the phone. However, by that time, the first payment grace period was over and all benefits such as a lower interest rate on some of my loans and Cash Back were removed from my account. I was promised that the rate would be lowered if I did not miss any payments for a year but nothing has been done to-date and I have never missed a payment, sometimes overpaying to reduce principal.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

We have a 30-year conventional mortgage with FreedomMortgage. Like many other Americans, we have been hit with higher expenses due to the COVID-19 crisis and are having difficulty meeting all of our financial commitments. We became aware of the 6-12 month forbearance program as part of the CARES act and contacted FreedomMortgage by telephone in early XXXX to inquire about this option. I was told by a representative at FreedomMortgage to complete a COVID-19 forbearance request form and email this to them, which we did on XX/XX/2020. I followed up with FreedomMortgage by telephone on XX/XX/2020 to confirm their receipt of our forbearance request and was told they had nothing on file. I was placed on hold for over an hour while the representative presumably researched our request. At that time, I needed to disconnect the call to return to work. To this date, we have received no confirmation of receipt of our request for forbearance, nor approval of the same and FreedomMortgage is sending us dunning notices with threats of late fees.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NC)

I recently had a few ( three to be exact ) medical collection accounts across all XXXX credit bureaus. After contacting the medical services and they adjusted the bills and showed me what I owed the information was already with the collection agencies, I proceeded to pay them off one at a time in full and according to the medical debt relief act and changes with Equifax, XXXX and XXXX any MEDICAL debt that gets paid by the consumer or by the insurance company gets removed immediately after the item is paid. Well only one Bureau was aware of this rule change and took off all of the collection items that were paid. Equifax has flat out refused to budge on this and stated that it would stay on my account for seven years! I tried to explain to the representative of the law changes and that Equifax was one of the companies that agreed to take off paid medical debt but they still would not budge. If removing paid medical bills from a consumers credit report is something that this company agreed to do going forward NATIONWIDE why am I having to fight to get this done. I 've attached a copy of the dispute results for XXXX and XXXX, XXXX shows unpaid but its now paid and I contacted them as well and they stated " No they would not send something to Equifax for the removal of this item ''
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NC)

I had a verbal agreement with XXXX/Synchrony Bank to close the account and pay {$50.00} a month for 48 months ( interest free ) to clear the account. They never told me or send me any written agreement of the condition of the arrangement. After making few months payment I somehow missed a payment and they immediately cancel the arrangement without notifying me and started charging interest and late payments fee and cause a past due balance of {$290.00} which I made for XXXX XXXX.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I 'm with Navient and was encouraged to enroll in the Income Driven repayment plan. I make XXXX a year, however, that does n't show/take into consideration what I pay for yearly rent, car payment, insurance, credit card & medical debt. My first couple of payments were close to XXXX. Very manageable. With in a few months, my payment shot up to {$570.00}. I ca n't pay that monthly, which drove me in to Navient 's next " best option '' forbearance. They also wo n't allow you to change your payment plan unless you call them. You can only apply for deferment or forbearance on their site. I know they 're in a law suit right now, so I 'm hoping this complaint helps with that. They made no efforts in truly educating me on the income based plan. To my knowledge the first few years of payments would start low and end higher based on my income growing. Clearly this was n't the case. And the amount of interest I 've incurred because of forbearance is just ridiculous.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (NY)

My account was in deferment ( I have a letter from them stating this ), however they have me showing 30, 60 & 90 days late. I have called them and they say it is accurate and will not fix it. This is not accurate and needs to be fixed immediately.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OK)

{$22000.00} in student loans were originated/became payable in XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX payments were made for 3-4 of these years. Forbearance 's were used 2 times. From XX/XX/XXXX-XX/XX/XXXX my tax returns were garnished XXXX %. 
These payments amounted to roughly {$9000.00} 2 months ago I found out that in XX/XX/XXXX, with out my knowledge, these loans were charged off, with insurance paying the balance. At this time the loans were re-originated with out my knowledge at {$19000.00} Since then I have repaid roughly {$5000.00}. 
One payment in XX/XX/XXXX for {$1200.00} still has not been credited. 
I have been in phone contact with navient several times a week for 4 months. 
They refuse to discuss the pre-XX/XX/XXXX payments. 
In XX/XX/XXXX I told them they would get {$1.00} a month until these previous payments are properly credited. And it is determined whether or not I am still responsible for these loans. 
I do n't believe I am. 
Also, Am I entitled to a refund of payment since XX/XX/XXXX.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

I logged a complaint back in XXXX and the Lender claimed it was resolved so CFPB closed the complaint however it is not resolved. The Lender has been misapplying funds, changed my payment agreement without discussion, notification or authorization and I want it resolved. As stated in my previous complaint, I made a bi-weekly payment agreement with Ocwen and ever since PHH took over, there have been nothing but problems. I received a late notice in XXXX and you can clearly see by my attached bank transaction history I was paid ahead. Now they are showing I am delinquent and also have increased my monthly payment with no notification or reason why. My insurance and taxes have not increased. Actually, I recently qualified for a property tax exemption and they will be going down. I want the transaction records fixed, I want to know why my payment has increased and I want it all in writing so it can be read. The transaction history I received that I had to request from them 3 times and took 2 months to receive was such fine print I had to get a magnifying glass from a friend to read it and this is not an exaggeration. I would be happy to provide it as proof as well if needed.
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I have been on an income based payment program with Navient for the past few years which made my interest rate around 4 %. I was asked in XX/XX/XXXX to call to extend the program or my rate would increase to 9 %. When I called they said that my income was not high enough to qualify for the program and that my payment would increase from {$450.00} to {$760.00} per month. Needless to say i can not afford this amount, so I asked to speak to a manager who re-reviewed everything and told me that my income was too high. Ultimately I am trying to work with them on a payment program that i can afford, and that is reasonable but they are playing games. i am looking to refinance now, but am really hoping to get some advice and help on how to move forward.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I have dispute remarks only credit report that they refuse to remove. I have called the collection bureaus multiple times as well as Navient. I wrote a letter to Navient requesting the dispute remarks to be removed. They keep saying it is taken care of but they keep putting " consumer disputes after resolution '' back on my report. The keep telling me it takes 30 days but it has been over 3 months. I DO NOT want to dispute this account i need the disputes remarks removed immediately. I am trying to buy a house and can not get approved for a loan because of this problem.
Consumer complaint received 2021-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested on XX/XX/XXXX, that TransUnion re-investigate inaccurate information on my credit report. The inaccurate information was in my opinion never reinvestigated and the information still shows on my report. This is troublesome and has cause a great deal of stress for me and my family. Under the FCRA, I thought these bureaus can only report 100 % accurate information. I sent letters to the creditor and credit Bureaus on XX/XX/2021. I patiently waited 45 days before reviewing my information only to see that the inaccuracies remain. The balance due, last date reported and last date of activity are all wrong.
Consumer complaint received 2017-04-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK (TX)

ETrade bank alerted me to ( XXXX ) fraudulent purchase transactions on my debit card before they posted to my checking account. The next day they posted to my account deducting the funds because they claim they are powerless to stop them from posting. Day after day after day they refuse to refund me the amounts of those transactions.THIS IS AN OUTRAGE!!! They also charged me overdraft fees on top of it!!! Amazing. The ETrade bank fraud department is a JOKE. It 's there to give the appearance that they will protect you against fraud ... they actually do NOTHING. The head of the fraud department told me that it is their policy to impose a processing period of 90 days before crediting back the fraudulent transactions even if the merchants have already done so!!! CROOKED!!!
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

We have been long-time customers of Chase Bank in XXXX, CA, who holds our mortgage, checking, savings, safety deposit accounts. We are even rated as a " Chase XXXX ''. For the last 7 years, we have been denied to refinance our property because they said we are not eligible because we did not live in our house. Not sure why this is a reason since it is our residence and we pay property taxes on it. So we have been paying a high mortgage rate of 6.35 %. Nevertheless, when we move back to XXXX in XX/XX/2016, we immediately went to Chase to refinance ( XXXX, mortgage broker ). They said it would take no more than 90 days and lock us in at a rate of 3.25 %. We provided an excessive about of financial and tax information and we are now going on over 8 months that the refinancing has NOT been approved. By the way, we have enough money in the bank to pay off the loan so the excessive requests about our personal finances seems unnecessary. We feel the bank does not want to refinance us since they would loss money. We believe this is unethical and unwarranted.
Consumer complaint received 2017-04-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (TX)

Representatives tell you to sign and they have different numbers, that we are only signing estimates, then we put down the good faith deposit, which since we wanted better numbers, he said he would get them to us before they processed the withdrawal, we received the charge immediately, but did n't have the estimates to say if we wanted to even continue with the loan. stated we would get the full {$500.00} deposit back, since we were not doing the appraisal, and I advised them on credit fee as well. They agreed to do the full {$500.00} back, but as of now, they said what ever the rep said over the phone did n't matter because they have a written confirmation that says they would take out fees. Also the loan has been withdrawn and they state they will not release or start to process those funds back to us for over 10 days! we were told this would be immediate, but as stated again, they refer to the agreement which does n't have a date, it literally says when your loan is withdrawn you will be refunded, not 10+ days later.
Consumer complaint received 2017-04-04
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (CO)

This is not going to end well for anyone on the other side and that is not somehting I can compromise on. 

Last year a woman fabricated XXXX charges against me when I discovered she was a con woman. It is not a crime to lie to any one -- unless you are under oath. Therefore, absolutely illegal and morally reprehensible from someone, who is the transgressor, witth more XXXX criminal charges in XXXX states to say such a thing. Why? because the justice system was XXXX for personal gain at the expense of an unknown, innocent individual who was deftly put into a 6 month statute of limitations, never mind you, i 'm gon na get hauled down to lockup on a thursday with a judge who has a full docket. 

The check in question needs to be reversed or I am going to the people with this, and that does end well for you guys. A bulge brakcet bank, honoring a cimrinal over a faithfully loyal customer? 

If I remain idle -- am I doing the correct thing? Or is it enough to just accept that bad things happen to good people and that 's okay? Please I would love to know the offi8cal moral stance taken by the firm 's PR agency of Choice. 

I am being told by chase that deadlines are deadlines -- tough XXXX. 

I '' m telling you that extenuating circumstances, will be the bane of Chase Bank 's existence going forward. If I am your customer and someonee steald my check and writes my signature and the handwriting analysis is incontrovertible -- what more do you want? 
Oh I have to know when my XXXX is styolen? 


NO. 

NO. 

NO. 

Chase has failed me as a customer on a level that I can not tolerate as man who is doing all that he can to restore his belief in the the american justice system. 

The idea that this is my fault is tragic. 

Additionally, the check in questoin was submitted initially and returned. I was never made aware of any of this and chase will not acknowledge this. That 's great -- because it 's a legal obligation on their behalf. I never got anything about a bounced check, and a check that was not sufficietly funded goes without notification to the account owner and apparently run again and I guess I had the dough at that point. No clue what was happening. 

Please, show me how your isistence and outright coercive attempts to get me to admit on a recorded line things I have absolutely certainty over. Now that is terrifying -- terrifying. Because what we have here, is the brick and morter teller becoming emotionally attached to my cauase and the next thing I know she is having heated words with a colleague who had no problem trying to dupe me -- yeah I 'm XXXX -- but i had another chase person advocating for me. 

How on earth is this a sitatuuoin that chase XXXX bank can allow to happen? 

Patheric. utterly pathetic. I will move on next to the XXXX if they have one at Chase. nothing about being caught ibetween to co-workers is professionaly acceptable. 

I look fortward to a civil suit. It 's on.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (NY)

In early XX/XX/XXXX my Key Bank & XXXX debit cards were stolen along with my Driver 's license out of my wallet. Immediately, I reported my cards stolen and the fraudulent charges that were brought upon my account. Unfortunately I was n't fast enough and whomever had already committed their criminal acts. As instructed by both banks, I immediately filed XXXX police reports and came into both banks to sign affidavits. After doing so I played the waiting game. Recently I reached out to both and I had been informed by both banks that my claim was denied. Somehow, this criminal withdrew {$3000.00} from my XXXX XXXX account and just under {$2000.00} from my KeyBank account. The problem is I only had {$10.00} in my KeyBank account and about {$10.00} maybe {$20.00} in my XXXX Account so how were they able to withdraw such amounts? Also, I had my accounts set up so that I COULD N'T go negative. I 'm a student XXXX at the University XXXX so I 'm unable to work and pay off this ridiculous amount nor should I have to because I did not commit the criminal act. I 'm not asking for any money, or anything of the sort. I simply do n't want to be held liable for something I did n't do. All I want is a positive account balance that 's not going to disrupt my credit. I do n't care if it 's a new account at XXXX $ I just want the issue resolved.