davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MN)

In XXXX 2015 we closed on our new home. The mortgage was with XXXX XXXX. The first payment was n't due until XXXX XXXX of 2015. Between XXXX XXXX and XXXX XXXX we got notice from both XXXX XXXX and U.S. Bank that our loan was sold to U.S. Bank. From U.S. Bank we received our servicing transfer notice with the account number on it, but no follow-up paperwork or billing information. XX/XX/XXXX I got concerned about getting a late fee ( not knowing if a mortgage transfer keeps you with the same monthly amount to pay ), with the account number from the servicing transfer notice I opened an online account to try to pay the bill. I was unable to make a payment because the site said that we did n't have a statement. We called the bank to inquire about paperwork/billing information and we were told that a statement was on it 's way and we could do the payment over the phone-which we did. The following months we receive our bills we still have yet to receive any paperwork with details about the loan. 
One month we were accidentally late on our payment because there were XXXX deaths in our family. We tried to pay online, but had a fee that was n't there before ( we had no notice of any fees with online payments ), my husband called that night to pay online and the fee had jumped from {$3.00} to {$5.00}, I logged back onto the internet the next day and the fee had jumped from {$5.00} to {$11.00}. I wrote a note saying that I would no longer pay online or over the phone any more if there were fees. We were told it was because of the lateness of the payment and how late it was. OK, understandable ( we WERE late after all ), wish we had some documentation explaining this fee scale. 
XXXX XXXX I make a payment online. XXXX XXXX I receive a letter saying that my funds have been returned due to 'no account. ' Not sure what this means but now we have accrued a {$20.00} fee because this was sent by snail mail and nobody notified us by email or phone call even though that information is available in the account. I 'm assuming this was a mistype on our part when typing our bank information into the system. I got a, email receipt that said that payment was made-so I did n't follow up to double-check. It took 8 days for them to figure out that something was wrong and it took another 7 days for us to find out about it. I do not feel that we have been treated fairly by this bank and when I ask for explanation or help they suggest a call to customer service where we have to explain our situation repeatedly and get no help on the matter. Not even any explanation. I want written documentation about the fees and all fees and late payment information forgiven. 
Our last mortgage with XXXX XXXX was for over 10 years with no problems. It makes me feel like the problems with this account is not us. 
Any help is appreciated. Thank you for your time.
Consumer complaint received 2017-01-30
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (AZ)

I received as a gift a {$100.00} gift card issued by U.S. Bank National Association ( XXXX ). The card was in the original package. I opened the package and called the XXXX number printed on the card to verify the balance. There was a {$75.00} dollar transaction that was completed before I even opened the package. I immediately called customer service. They asked me to provide a fax number. I do not have one and in the end they asked me to fax copies of the card ( front and back ) and the packaging ( front and back ). I explained to them that I do not have a store purchase receipt for the card since it was given as a gift. I faxed all the information available to XXXX as instructed by the customer service representative.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NH)

I disputed a charge with barclaycard, in writing, over 2 months ago. I have proof of this as I used an online registered mail service, so I can prove I sent the letter and prove the content of said letter. I closed my account a few days ago, and in my final bill they reposted the disputed transaction. When I contacted them they sent form mail telling me to submit another dispute.
Consumer complaint received 2016-10-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NJ)

I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.
Consumer complaint received 2016-12-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TN)

Harassment/abuse I receive on average 8-10 calls per day from Conns trying to collect a payment from me. I have asked them to quit calling but I have had no luck. I blocked their number and that worked for awhile but then they started calling from different phone numbers
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

The company of XXXX XXXX XXXX ( XXXX XXXX has repeatedly contacted me in regards to a Debt owed by a XXXX ( XXXX? ) XXXX. I have attempted to inform them that I am not XXXX XXXX on several occasions and have requested to have my number removed from their files. Each time I tell them that they have a wrong number they get verbally abusive and profane. Additionally, they have informed me of who XXXX XXXX 's creditor is ( Chase Credit Card ) and the amount of the debt ( $ XXXX ) and then used a threatening tactic of stating that they are going to file a lawsuit against me unless they get their money. I have had my number for 14 years. I do not know XXXX XXXX, do not know how to contact XXXX XXXX, and have never had contact with XXXX XXXX as far as I am aware. Further, this is a business number and their repeated calls are impacting my business in a negative manner.
Consumer complaint received 2016-07-26
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Risecredit, LLC ()

Despite my repeated requests for them to desist, RISE Credit persistently email me with offers of loans which I do not want and for which I do not qualify. I am a XXXX XXXX, living in the XXXX and ineligible for a short-term US dollar loan from a company in Texas. Despite pointing this out to them, they persist in filling may inbox with daily offers of loans.
Consumer complaint received 2016-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (CA)

In a notice dated XXXX/XXXX/16 the collection agency falsely asserts that I have an outstanding delinquency. Moreover, the notice makes the patently false statement that " Previous notices ... have gone unpaid and remain delinquent ... '' The accurate information is that I prepared a comprehensive written contest to the fine and I received a written response in reply stating that it was referred to the hearing officer and that there was nothing further for me to do at [ that ] time. There was no subsequent correspondence or contact from anyone until receiving this XXXX/XXXX/16 collection notice. I am not even the registered owner. This is a fraud on the part of the collection agency.
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

I have XXXX federal loans, XXXX XXXX XXXX loans and XXXX Navient loans. My payment with Navient, alone, is {$480.00}. I have contacted them on numerous occasions in an effort to have this payment lowered. I have other student loans I am making payments on besides this. My father is the co-signer. After numerous conversations and providing them with the requested financial information, I was told the payment could not be reduced because my father had excellent credit. Navient told me that my father is responsible for the note as much as I am. I do not agree with this. That is not the role of the co-signer. The co-signer pays the note if I am unable to. But if they would reduce the payment to a reasonable amount, I could pay the note myself. Right now, my father is helping me pay the note so that our credit will not be affected. However, he is the only bread winner in his family, he has XXXX children of his own and is supporting his XXXX step-children with no child support from their father. So he is really not in a position to make payments. And why is this decision based on his credit score. That does not mean he is able to make payments. The Navient people are rude and extremely difficult to deal with. I had no problem getting the federal loans reduced but not so much with Navient.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

My Discover Credit Card account ending on XXXX was cancelled in XX/XX/XXXX. However, I never received any notice that it was going to be cancelled. Otherwise, I would have opted to remain open. 

According to The Credit Card Act of 2009 lenders are required to provide customers with 45 days notice of major changes to their account. Given the effect on one 's credit history, especially in this case with an account that was over 10 years old and the financial importance of a good credit XXXX in our society this should indeed be considered a major change to the account. 

This has drastically and negatively impacted my creditscore for two different reasons. ( 1 ) Length of my credit account. The Discover card was first opened in XXXX, and it was one of my oldest accounts. ( 2 ) Reduction in my credit utilization ratio. 

It is very unfortunate that the way I foundout about the cancelation was by checking my credit score. I had no communication warning about the account closure. 

Today, XX/XX/XXXX, I attempted to call Discover to get the account reinstatedbut I was unable to do it. I spoke withcustomer service and supervisors who refused to find a solution to this case. 

My last transaction had been in XXXX, but I would periodically login to the portal and transact on the Discover Savings account which I nowunderstand that it is a different product.

I would love to ask for your help in reconsidering this case as it directly affects my financial situation and credit score.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

I do not remember a charge of XXXX from XXXX. I let Citi bank know. What do you know they play the same ticks as always. I have over XXXX USD of disputes I have asked them to take care of. I am so upset that they keep on breaking the law it makes me sick. I get a letter saying they are doing an investigation and than a email stating that they closed the case because they did not get the information I had my friend mail XXXX and emails I sent. So they closed the case. Why is it out of my XXXX banks these flakes and frauds do not provide the service of communication with their clients? As stated several times now, they do not answer my emails, phone calls, or call backs. They do not follow the law by giving me a fair and honest case they just close without cause and say they never got my docs. This is of course false and it does not make sense. 

I hope these clowns get a full investigation on how this are XXXX their local clients and not giving a fair chance at all. They close disputes with the docs in hand. I have proof of this with my prior disputes and also that they write to my address in the US thatXXXX decided to do a investigtion and now they close the case as I stated they would with all of the docs i have sent.
Consumer complaint received 2017-02-15
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IL)

My landlord wrote XXXX check to return our security deposit to my roommate and myself. He clearly wrote pay to the order of ( XXXX ) AND ( XXXX ). PNC bank cashed the check out to my roommate without my consent or presence. They should not have released the money to her without my permission also. Her and I ended on bad terms, thus, she will not give me my portion of the money. I contacted PNC multiple times about this issue and they have not done anything to resolve the matter.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (PA)

they were charging me for having the services that I did not which I had continuously called them about. I was using regular phone service and they were charging me for internet data usage when the phone I was using could not even access the internet. They are now in the middle of a class action suit regarding this.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (UT)

XXXX XXXX calling on behalf of Williams & Fudge , Inc. is calling my employer twice daily. He is belligerent and harassing the office manager. This has been going on for about a week now with no sign of stopping.
Consumer complaint received 2016-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I had a XXXX service and i finished the contract before time. They have a 2 years contact. I had to finish my service because first of all they lie to me about pricing, and the quality of service. First, they gave me a price and the bills charged me the double of the price offered to me. Second, they said that the service was the best even with rain or winds, signal never would be lost. That was a lie and they even had to take that commercial tv off. With a couple of drops of rain and a little bit of rain signal was lost for hours. I did n't like being insulted that way. So, i decided to terminate my service.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (CA)

Bought a vecle from XXXX XXXX. They arranged financing with Ford Credit. Throughout the terms I was contacting the dealer and the finance company. Concerning the conditions of the car they sold to me. Payments were made and some missed. Ford Credit threatened to repossess the car. As an option I went to several of the local dealerships. None would approve a trade except XXXX. Who accepted the car and under appraised it 's value. The stuck me with the their car. There 's a complaint on file against XXXX XXXX as well. A review of my credit report shows Ford Credit charged the car off. That 's a lie. XXXX took the car and did n't report the trade for two months. As a part of this Ford Credit is liable for a Privacy Violation. Of which I am trying to find an attorney to take my case. It involves Ford Credit XXXX XXXX and XXXX XXXX!
Consumer complaint received 2015-08-23
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MA)

Re : Exxon/Mobil gas credit card - credit price vs. cash price. 
Previously, when I have used our business gas card my regular Mobil station ( s ) has applied the lower, cash price, to the gas card transaction. On XXXX/XXXX/15, while at an unfamiliar Mobil station, I was charged the higher, credit price, for my gas card transaction. 
This seems to be, at some level, a bit of consumer information fraud. The lack of consistency is XXXX thing, the failure to disclose to the consumer is yet the large issue. The consumer has no way of knowing the amount he/she will be charged ( cash or credit price ) when using their Exxon/Mobil gas credit card until starting the actual transaction. 

I 'm surprised this has not become a class-action lawsuit yet. 
Thank you for investigating.
Consumer complaint received 2016-03-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (CA)

I received a letter saying I qualified for a {$500.00} pay day loan. This was right before XXXX and I needed the money to help buy presents for my family. I was told there was a finance charge around {$150.00}, which is a lot, but I agreed to it. I received the money and I have been paying {$150.00} every two weeks to pay off the loan. Its XXXX now, and I have paid {$900.00} towards this loan. I checked the website ( they just changed their name from XXXX XXXX to Big Picture Loans ) and I have only paid {$25.00} towards the balance! I 'm shocked and I feel scammed. I took a screen shot of the payoff schedule, which was unavailable before i took the loan out, and it seems I am to pay {$2200.00} to pay off the original {$400.00} loan. That 's outrageous!
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Forster & Garbus LLP (NY)

I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. ()

I have a pending 1 month credit bills on citibank. It became double the next month.I understand because I did not pay the previous bills.And they block my salary account which is also in citibank.I cant withdraw any single amount.My question is.Is it proper that citibank block my salary account.And take all my money which is my salary? I 'm a family man I have XXXX kids.Now because of that 1 month my family will starve.Please advice me if I have the right to complain. 

Best Regards
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (SC)

Citibank enrolled my XXXX year old mom and I in their Credit Safeguard without her consent. We have been unwittingly paying the monthly premium for years. When I read about the settlement with CFPB I requested a refund. Though they were aware they owed a refund they did nothing until our request. It took over 30 days to provide a response. They indicated that we were due a refund of {$3000.00} in a letter dated XXXX/XXXX/XXXX and they had issued a refund credit that would appear on the account within two billing periods. I called them in XXXX and was told that it would appear on the next bill. In the interim I have been making scheduled monthly payments. On XXXX/XXXX/XXXX I received my XXXX statement and the credit has still not appeared. I called Citibank for the third time on XXXX/XXXX/XXXX and was given the run around again. The credit monitoring department said they could only " email an escalation '' to the refund department but they could not speak with anyone. A response could take " up to 30 days '' AGAIN. I spoke with a supervisor and got the same response. I was then transferred to " customer service '' XXXX said the credit would be on my " next month bill ''. We are talking about XXXX now and all I have is another hollow promise that the credit is on the way and there is NOTHING ELSE that can be done. In the meantime I am still being charged interest on the amount that should have been credited. This seems unethical at best if not fraudulent to delay a credit this amount of time. Please help!
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (IN)

I opened a bank account with them several years ago. I asked for help by email regarding my account to update and either close it or use it. I have not heard back from them by email or phone as I do recall giving them this information a week ago. That may be why I left them do to lack of communication skills. I never deposited funds in the account that I am aware.
Consumer complaint received 2016-08-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber (CA)

This debt was part of a debt that was illegally placed on my credit report for cedars sinai which recalled all my medical bills due to their violation of not notifying me of this. First of all this was illegally placed on my credit report without first notifying me by phone, mail or any other method. cedar sinai has recalled this which was marked paid. A direct violation of Fair Debt Collection Practices Act ( FDCPA ) Grant & Webber are in violation of the Fair Debt Collection Practices Act ( FDCPA ) no mail, no phone call, no letter was ever sent to me, just parking it on my report on experian.
Consumer complaint received 2016-03-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (KS)

I bought a merchandise using " Amazon Store Card ''. Its essentially a line of credit extended through Synchrony Bank. Like many other consumers Amazon lured me by offering an interest free period. However, a few weeks later I received a letter confirming my enrollment in the XXXX XXXX XXXX that charges {$1.00} for every {$100.00} in balance per month. I HAD NEVER SIGNED UP FOR THIS SERVICE and AMAZON and or Synchrony decided to sign me up without my explicit and written consent. 
I have been an amazon customer for 15 years and an amazon prime for over 8 - its rather unusual and flabbergasting to see amazon practice such tactics to nickel and dime their customers.
Consumer complaint received 2015-05-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I made a deposit to my Chase Liquid Account from my XXXX XXXX. I Made the deposit XXXX XXXX, 2015 my XXXX XXXX Paid thesame day, fund were taken out of my XXXX account XXXX XXXX, I verifiedWith XXXX and they advised me the Chase had received the fundsXXXX XXXX, 2015. My ATM deposit receipt there XXXX be a delay in theavailability of these funds until XXXX XXXX, 2015. Chase had recived funds fromCitbank the same day I made my deposit but still XXXX days to give me credit formy deposit.