davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I was 30 days late one time in 2014 and Chase reported me 30 days late for 15+ months in error through XX/XX/XXXX. I have disputed it and they have not sent me any documentation showing the they are reporting in error. I demand they remove the 30 day rolling lates.
Consumer complaint received 2017-02-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (CO)

I paid off my loan in full on XX/XX/2017. I have repeatedly called and asked for my payoff statement or payoff letter to no avail. I even have gone to their neighborhood store to see if I can get a payoff letter or statement showing I have paid off to no avail. Once the account is paid off it is my right to get a statement or bill. They do not send you a statement whatsoever. They have a flawed system of errors and calling their customer service gets you nowhere. I have had other installment loans and they all have sent me timely statements and letters via mail and/or email. Their motto is " you deserve it '' and yes to the XXXX you deserve to be misled. Someone needs to investigate their business practices as they are in clear violation of fair credit billing act and by not providing any kind of statements or bills they are taking away a very integral part of consumer protection.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IA)

My complaint is about Chase Card Services keeping my payment and then closing my account when I paid it in full. ( {$820.00} ) I did have payment problems with all of my other creditors due to {$3000.00} in medical bills and I am already on XXXX. I got a Hardship withdrawal from my pension to try to pay back some creditors. I had XXXX accounts with Chase that I opened 18 months ago and have never been late with them. Everyday when you sign in, they say something like, " you can combine your XXXX Chase accounts to utilize your credit limits in the way that is most convenient for you. '' Well, after getting my pension money, I set out to pay off the smaller of my XXXX Chase Cards and hoped to pay off some medical bills with the, " new combined credit limit. '' I kept getting transferred around and then they pulled my credit report and saw that I was late with my other bills. I tried to explain, but they said it was, " within their rights to close my account even if I 'd never been late with them. '' They did so taking the {$820.00} I so desperately needed. Since I had made this payment by my bank 's bill pay, I sought their assistance to get {$750.00} of the money back. Chase said they would only give me my money back if I, " sent them a voided check, '' since my bank used a third party vendor to do Bill pay. I told them I did not want to send a voided check over the internet, so I had a lengthy conference call with the Chase rep and my bank on the line. After 3-4 transfers, a " supervisor, '' agreed to refund {$750.00} directly into my bill pay account if they would fax the proof of payment directly to them. My bank faxed the form that day. Seven days later there has been no action in my account and when I contact them today, they inform me they are sending the check by mail, but I will have to wait another 5 days for them to mail it! This has been going on since XXXX/XXXX/2016! I do n't think I will ever get my money back and If I do, I 'll have to go directly to a Bankruptcy attorney because the time to " make a deal '' with my creditors has now passed.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I have just received a correspondence from XXXX XXXX ( Director, Client Research ) of CitiBank that there was not an AAdvantage miles promotion offered with the opening of my CitiGold checking account. I have have had multiple communications with Citigold representatives, with screenshots for proof, that the AAdvantage miles promotion was attached to my account at the time of opening. 

The promotion attached to my account at the time of opening was XXXX and it was to receive XXXX AA miles.I have met the requirements outlined in the promotional offer with my account opening, which were 2 Bill Pays from the account as well as {$1000.00} in debit spending. I have been assured from CitiGold representatives in the past that I have met the requirements for the promotion that was attached to my account as well. 

I have done my research on this promotional offer and have found that Citi has refused to offer the promotion to multiple CitiGold customers. I feel that Citi is cheating its customers through its deceitful marketing practices by not honoring their end of the promotional agreement.
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2017 I made a deposit through chase bank ATM in XXXX NY, while the transaction was on the ATM has a problem and I got a receipt from ATM, stating that I should call my bank to confirm if the money was deposited. I placed a call to my bank and made a complain of what happened, was told that a credit of {$800.00} will be made to my account while the investigation will be on. 
the {$800.00} was made to my account same day, but on XX/XX/2017, I got a mail from the bank stating that the {$800.00} that was credited to my account will be debited because my claim was denied. The {$800.00} was debited from my account on XX/XX/2017, I called chase bank on XX/XX/2017 to re-investigate my claim, and my claim was denied again. 
I 'm requesting that you help to look into this matter as this huge amount of money has caused a lot to my account/finances. 
Thanks and XXXX bless you
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Rewards — 
Company: FIRST HAWAIIAN, INC. (GU)

First Hawaiian Bank offered a sign-up bonus for their XXXX XXXX credit card. The terms & conditions require {$1500.00} purchase spending within the first three months of account opening. 
Timeline of events : Applied for FHB XXXX XXXX XXXX online on XXXX/XXXX/2016 via email titled " Start here for mighty value. '' from XXXXXXXXXXXX also dated XXXX/XXXX/2016. 
Approved for $ XXXX limit on XXXX/XXXX/2016. Requested credit limit decrease to $ XXXX XX/XX/XXXX. 
Received XXXX XXXX award miles on XXXX/XXXX/2016. This was the last day of the first statement period. 
Sometime around XX/XX/XXXX-XX/XX/XXXX requested for a new card to be sent as first card not received. 
Obtained {$1500.00} threshold on second billing cycle ending on XXXX/XXXX/2016. 
Messaged First Hawaiian Bank XXXX/XXXX/16 regarding missing bonus miles Received reply XXXX/XXXX/16 stating that bonus miles would be awarded in 1-2 billing statements contrary to terms and conditions of offer. 
Called FHB on XXXX/XXXX/16 regarding missing bonus miles, was told to call XXXX to acknowledge offer made by First Hawaiian Bank.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: CHECK INTO CASH INC. (TX)

This was a request to send a certified original copy of a clear title to the above named owner of the XXXX Dodge Ram 1500 ; XXXX XXXX XXXX. According to transactions records from the trustee 's office, the claim has been satisfied with the amount of {$2000.00}, additionally, a XXXX vehicle ; XXXX HYUNDAI XG350 has a court order removal as of XXXX/XXXX/XXXX and was surrender following an accident. Police reports indicate the title owner was notified and the vehicle was taken to storage. 

On XXXX XXXX, XXXX, Check into Cash was called and XXXX spoke with XXXX XXXX. XXXX denied the vehicle was removed from bankruptcy and continued to state the trustee is sending payments for he XXXX Hyundai and the amount owed is {$800.00} and the amount for the Dodge Truck is {$1500.00}. 

Attached please find trustee completed payments, and court ordered surrender collateral. Please be aware that violations under bankruptcy codes are subject to a federal a law suit against creditors, which will include penalties and payments of attorneys ' fees. 

Honorable Judge XXXX XXXX XXXX ; chief of the XXXX District Bankruptcy Court in Texas will be notified of creditors unwillingness to comply with court orders.
Consumer complaint received 2015-06-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (GA)

We we prey as first time home buyers that were not represented at closing so did not fully understand any of it. No disclosures on the issues of the home. The loan was through XXXX XXXX and XXXX who closed due to fraudulent loans and so our second payment ever was rejected back in 2009 the loan has transferred XXXX and no they are foreclosing since we ca n't afford an attorney we are lost with no options. Except the fact the original loan was predatory. We would like to have a payment reduction and a chance to keep our home. Please help.. Are issue is consistent with all the following descriptors.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (IN)

XXXX I loaded XXXX on an all access card and they're not letting me use it .. or activate it... They gave me a new account name and password to use now I can't use the XXXX bonus I was awarded.
Consumer complaint received 2015-04-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (FL)

A foreclosure Lawsuit was filed against the Borrower on or About XXXX XXXX, XX/XX/XXXX. The Borrower was defaulted from her loan because of several mistakes made by her servicers during various transfers of her loan to XXXX another. 

As a result of their mistakes they stopped accepting her payments and defaulted her. On or about XXXX of XX/XX/XXXX, The Borrower was granted a loan modification trial period by XXXX XXXX following a complaint to the CFPB. 

Immediately upon granting The Borrower a loan modification, XXXX XXXX sold her loan to Selene Finance. Because of the transfer, approximately two months passed before The Borrower was able to make loan modification payments. 

On or about XXXX of XX/XX/XXXX, The Borrower completed her trial payments. In XXXX of XX/XX/XXXX Selene Finance mailed out the final modification packet, and The Borrower immediately signed it and returned it. ( See attached correspondence and loan mod documents ). 

The Default is resolved and settled. The Borrower has continued making regular payments on her loan, and the foreclosure case should be dropped. There is no longer any default. However, Selene Finance has failed to instruct its counsel to dismiss the foreclosure case, and has instructed them to proceed with the litigation. ( see attached documents ). 

Trial is scheduled for XXXX XXXX, XX/XX/2015. While Selene finance has outstanding customer service, their legal department is sluggish and takes months at a time to update their files, complete documents, or instruct their attorneys. 

The Borrower is in her mid XXXX and suffers from XXXX. She is undergoing a lot of stress and fears that the Court will take away her home despite her settlement with Selene Finance.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

We have sizable private loans. They have a procedure where as the principle decreases so does the payment. The effect is the loan takes longer to pay off. I complained about this numerous times and years ago was told to send in extra payments. Well, I did that and the same thing happened. Our loans began in 2005 with a total amount of {$120000.00} ( this was after a consolidation at some point so, the original balance may have been higher ) and the payments were in the XXXX range. Today the balance is {$65000.00} and the payment is {$870.00}. I have been sending in extra payments of {$250.00} a month for many years, I do not know when it began anymore. I am aware that if the rates go up, the payment goes up, no problem. But for many years the rates did not increase, but the payments dropped. There is a total of XXXX loans and as interest was supposed to increase, I raised the extra payment to {$260.00}. The intent was to have at least {$1000.00} go to principle. Last month the rate on the largest loan increased XXXX % and the payment decreased {$7.00}. So I paid {$15.00} more to get an {$8.00} benefit. Again I called, again I spoke to 3 three different people and got no where. All I wanted was to be able to set a payment that would be the constant, but if the rates increased, happily pay the additional. They ca n't do that and I can not believe it can not be programmed. In 12 years, approx have the loans were paid. If they left the payment where I requested at {$1100.00} a month my son would be in a better position. They also do not allow you to make the extra payments directly to principle. The payments get allocated. They money is debited directly from my son 's checking account and there has never been a missed payment in all these years. I do n't believe that I am wrong in requesting a minimum payment. They do nothing to solve the problem except say make extra payments, that is their solution, and then they still prolong the length of the loan by lowering payments. Their procedures hurt the consumer and benefits Navient. This is not fair or from my view, moral. Thank you for any help you can provide.
Consumer complaint received 2016-09-08
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. 
On the same day I received a refund. Again the deposit showed up but nothing in my balance. I do n't have access to the money. ( Filing a separate report ) PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from on US location to another. However, ALL the customer contact is overseas which makes me think this might be International
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

I feel that they should lower the rate to at least the current market rate at this time. Also take my home from under water and put me in a more affordable loan that I can pay monthly an not struggle to pay I have had to file an BK due to not being offered an decision for modification.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (MD)

Have submitted a notarized fraud report and copy of police report indicating that my identity was used to open an account and obtain services ( over and extended period of time and was recently discovered ) Credit card company- Chase is reporting and insists their information is correct that it is my account and is reporting as a bad debt charge off.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (IN)

I advised my credit card company of unauthorized transactions that took place in XXXX. I live in XXXX, and have not traveled to XXXX. My credit card company temporarily credited me for the items, until this past week. They sent me a letter stating that as I had not reported my cards lost or stolen, and that since the card was used with a chip reader - I am fully liable for the transaction. I did not report any cards lost or stolen as I have them in my possession ( XXXX cards -the joint account holder and myself ). They then reposted the transaction and billed my account. They did not do anything else to investigate, I am truly concerned and upset as how they were able to use my chip.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (TX)

I have recently contacted the schools and the loan servicers in reguards to my student loans. I have received student loans from the schools in an attempt to persue a XXXX career, XXXX is the school which I was going to in the beginning and I was told I no longer qualified so I went to XXXX XXXX College who allowed me to go a semester and discharged me telling me I did n't meet the criteria. I then went to XXXX XXXX College where they told me after a less then a half semester that they were n't able to identify my records from lone star college. Upon starting school at XXXX XXXX College I received a diploma from a school which I was under the impression was an accredited high school which I later found out was not. XXXX XXXX nor any of the other schools verified this information and I feel as though I should have the loans forgiven or discharged since none of them schools verified the information and I was falsely certified your eligibility to receive the loan based on your ability to benefit from its training, and you did not meet the ability to benefit student eligibility requirements. I have since finding out the information contacted the loan servicer since unable to get any assistance from the college with no response to getting this matter resolved., The loans were originally with XXXX XXXX and have since been transferred to Nelnet .
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am writing to dispute multiple errors on my credit report. Specifically, I have multiple charge-off accounts that are inaccurately reported as not being disputed and under review at the time of my last complaint also I have multiple accounts with inaccurate dates and accounts being reported open when in fact they are closed. I have been a responsible borrower for many years and I was shocked to see this negative mark on my credit report. Upon further investigation, I found that the charge-off accounts were in fact being disputed and under review at the time of my last complaints as per CFPB XXXX XXXX XXXX  XXXX, XXXX, XXXX also with inaccurate dates and inaccurate account status. This means that the information in my credit report is incorrect and is damaging my credit standing. I request that you immediately delete the charge-off accounts from my credit report. I have attached all relevant documentation to support my claim. I appreciate your prompt attention to this matter and I look forward to hearing back from you soon. Thank you for your time and consideration. 
XXXX XXXX XXXX # XXXX reporting open but in collections XXXX XXXX # XXXX XXXX did not report as being disputed XXXX XXXX XXXX  XXXX date last reported is in XXXX when disputed in XXXX XXXX XXXX XXXXXXXX # XXXX is wrong account number and date last active is earlier then date last reported, reporting open when it says in collections XXXX # XXXX reporting on XXXX different credit reports with XXXX different account numbers, reporting open but its closed XXXX XXXX XXXX XXXX  reports as open but is closed and XXXX different dates as last active XXXX XXXX XXXX # XXXX XXXX reporting as open but its in collections XXXX XXXX # XXXX already on credit report as XXXX XXXX Reporting as open but its closed, its on my report twice
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have consistently been mislead and misinformed by Navient and it 's employees. Every time I have contacted Navient about my outrageous loan payment programs I have been given different and conflicting information from each person I speak to. Most recently, I attempted to change my student loan repayment plan in an effort to alleviate some of the interest payments and lower my overall final repayment amount. I was less concerned with lowering my monthly payment and was looking for a plan that I could still afford but that would actually help me be able to start chipping away at my principal payments and not just slowly paying interest, which was perpetually compounding. I spent over 15 hours on the phone ( spanning several days ) with Navient personnel and was given different information each time I spoke to someone. After countless efforts to pick the best plan for my situation, I was informed that Navient does n't really offer plans to help you pay down your loans, only to help you pay as little as possible each month. After finally hashing out the best plan ( out of all terrible options ) I was told that in order to switch plans, all of my outstanding interest would be compounded onto my principal, increasing my principal amount and forcing me to pay interest on what as previously interest when my new plan started. Faced with no other option, I followed all of the steps I was required to in order to change my plan, however, when I checked my statement a month or so later ( after the plan should have gone into effect ) I noticed that my plan had not changed. I called to fix the problem but I was told they could not apply the new plan retroactively, so I was still forced to incur the higher interest amounts on the loans for the time that my plan should have been changed and those interest amounts would still be added to my principal once the new plan actually went into effect, essentially forcing me to pay houndeds if not thousands of extra dollars over the life of the loan. This account is unfortunately one of many issues I have had with Navient.