davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

Back in XXXX of 2016 I got an offer to transfer balance and get interest free for 1 year. I thought this was something that could help me get my bills lower, however due to deception I did n't realize that when I make the payments Discovers computer will pay down higher interest first, meaning that unless I paid all the previous balance first. So I transferred XXXX dollars and later found out that I had been tricked and ultimately got no interest free promotion on the XXXX dollars and ended up paying full interest. Discover hires smart people to think this up and they know exactly how it will play out.
Today I found that 2 payments were made for the monthly payment. I had thought I was going to be late in the month of XX/XX/XXXX and called Discover to see if they could deffer the payment for 1 month. They would not do this and instead talked me into setting up an auto pay for the following month. This is not what I wanted, but the gave a XXXX dollar credit ( still not exactly sure why ), and talked me into the autopay. I ended up making the payment on time and called to cancel the autopay and for some reason it was not canceled and rather they rolled it over for another month. This is not what I wanted and not what I called about. But because Discover wants everyone on autopay they pushed back and ultimately did cancel the auto pay which was the ONLY reason i called that day. Today I had to spend almost 2 hours getting discover to fix their mistake. This involved a conference call with my bank to be sure the payments really went through ( guess they did n't believe me ). They wasted my time and I want compensation for this gross waste of my time.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

In response to my complaint Case number : XXXX Chase stated they would agreed to order a new appraisal on XX/XX/2017. I have followed up with them several times and they keep giving me the run around and no appraisal has been ordered and the file continues to be at a stand still.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is reporting an account to my credit report that does not belong to me. Originally there were XXXX of these accounts, but Chase correctly removed XXXX of them. However, the XXXX account is still being reported on my XXXX credit report with a negative payment status and history. These accounts were my wife 's accounts and I was only an authorized user, a fact that is clearly verified by the information reported on my report. Since the account has a negative status and I had no payment responsibility for it, the account should no longer be reported on my report. I have disputed all XXXX accounts both with the credit reporting agencies and with Chase directly and, in fact, all XXXX of the accounts, were removed from my XXXX and XXXX reports. XXXX of the XXXX were also removed from XXXX, but XXXX continues to be reported. Although it is possible that XXXX could be at fault for refusing to remove the account, Chase bears ultimate responsibility for the information they report to my credit report, so I request that the CFPB instruct Chase to correct this information.
Consumer complaint received 2016-05-26
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (MI)

I believe I am victim of Mortgage and Mortgage Servicing Fraud. JP Morgan Chase and XXXX XXXX XXXX. are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (FL)

I applied for a Chase Sapphire preferred card around XX/XX/XXXX at the XXXX XXXX XXXX XXXX branch office in XXXX, Florida. I was told I would receive my card within 2 - 3 days. After a week I called Chase credit card and I was told my credit application has been rejected. The reason provided was too many inquiries although I had only XXXX inquiries including this application. I wrote to the branch manager on XXXX XXXX but did n't receive any response. On XXXX XXXX, I received a solicitation from Chase although nothing has changed in my situation. I am thinking there was arbitrary action by Chase when it rejected my application.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS (TX)

LexisNexis has again allowed my information to be made public, and attainable even though I AM BOTH A VICTIM OF MASSIVE FRAUD, BUT ALSO A XXXX XXXX. This information I have repeatedly asked them to Freeze, I have sent in information and they instead " opt-out '' which isnt a Freeze. I have sent countless letters, and as such they instead send no COPY of my FULL FILE. This is against the law, as they must provide me a copy of my report and FREEZE MY FILE.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I have tried for years to get modification on this property. I sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

Last correspondence from Chase dated XXXX XXXX, 2016 confirmed that I was approved for loan modification under a Trial Period Plan starting with a 1st payment of {$2600.00} by XXXX/XXXX/2016. First time was made on time on XXXX/XXXX/2016. 2nd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016 and 3rd trial payment in the amount of {$2600.00} due on XXXX/XXXX/2016. Acceptance of the terms of the offer of the Loan Modification was to make the first monthly trial period payment in place of the normal mortgage payment. and subsequent trial payments. However, I received a Mortgage Loan Statement dated XXXX XXXX, 2016 reporting a past due amount of {$3200.00} and total amount due of {$6500.00}. 
This report is negatively reflecting payment as past due on my credit report and construed as derogatory.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

In XX/XX/2010, I refinanced my mortgage with Chase bank. At the time, they made an error and overcharged me {$14.00} in fees. This error was not uncovered until this year, and I was mailed a check for the {$14.00} I was overcharged. I contacted the bank and demanded that they also issue an additional payment for the interest/earnings I missed by the bank holding my {$14.00}, pointing out that the value of that money in today 's dollars differs from XX/XX/2010 value. They refused to grant my request. I pointed out that if I had withheld payment on a loan or credit card, I would have been charged interest and penalty fees, so the same should hold for the bank. When they still refused, I indicated that I would contact the CFPB. Please let me know what steps I should take for fair compensation.
Consumer complaint received 2015-03-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (NJ)

The purported credit card debt that Chase Credit Card Services is reporting on my credit report became delinquent in XX/XX/XXXX. New Jersey State law has a 7 years Statute of limitation for the reporting of Credit Card delinquent debt to the Credit Reporting Agencies. Chase Credit Card Services needs to remove all derogatory information from my Credit report, because the information that Chase Credit Card Services is reporting on my Credit report statutes of limitation has already expired XX/XX/XXXX.
Consumer complaint received 2015-07-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

On my account with Chase Bank, they can only hit your account with XXXX NSF Charges on any given day. Chase has started to split this up and just process additional charges days after the charge has hit the account, and after direct deposits have been posted. Case in point, on XXXX they hit me with XXXX NSF Charges, my direct deposit was deposited on the XXXX, they come back and hit me with XXXX additional NSF charges on XXXX. Also in XXXX, they processed XXXX on XXXX XXXX, direct deposit on the last day of the month, so they come back on XXXX and charge me XXXX more on XXXX, XXXX on XXXX and XXXX on XXXX. I do n't think this is why they have a limit of XXXX NSF charges a day.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act XXXX  account # has violated my rights. 

15 USC 1681 section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2016-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (CA)

I attended a XXXX college in XXXX where they applied for a private loan from Genesis while attending. I believe I was given false information to attend their school ( XXXX college ). I understand that there were a settlement agreement in which I should have received something in the mail in XXXX of XXXX.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (IL)

My school is XXXX and is located in XXXX, Illinois when I first called into XXXX they were so anxious to get me in. So the XXXX day I came in my guidance counselor told me that no matter what I will be able to get a job anywhere and if I decided to go to another school that I will be able to transfer my credits. At this moment in time I had told him that I was pregnant. He told me that was fine and that I would be able to get maternity leave and I will be able to finish my schooling. He also called me at very late times and early times to, everyday it was getting annoying, saying that he was making sure I was going to school. So I did my 6 months and I was already 8 months pregnant XXXX my teacher also knew this they insisted I stay my whole semester, I also had doctors visits frequently so I was ready to do my maternity leave. I did try to come back I could n't because I was told that they were closing shutting down. I talked to the president of the XXXX, IL campus and she told me that I would be able to come back they are just renovating. I 'm a mother of XXXX XXXX I was really hoping on finishing the goal I had set for my family, and they ruined that for me. The main thing was also telling me that my credits were transferable and no collages take them or accredited schools take them. I 'm so disappointed from the debt to the teachers and how they run their system. I Ca n't pay the student loans they are asking me for especially when they lied, cheated, and made false promises off my dreams.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (DE)

My husband and I made a payment on XX/XX/XXXX for {$260.00}. We requested the payment be allocated to loan XXXX only to pay off the balance. Instead, it was allocated towards all XXXX loans ( XXXX, XXXX, XXXX, XXXX ). We 've called twice to get the payment reallocated, but we keep being told that we can only make additional payments certain times of the month. All XXXX loans are paid ahead into XX/XX/XXXX. My husband works for XXXX XXXX - he knows you can allocate this payment towards the XXXX loan.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (MN)

In XX/XX/2011 I had a Synchronicity Bank / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them XXXX on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because Synchronicity Bank XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted Synchronicity Bank / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with XXXX, XXXX and XXXX. The disputes came back as verified from Synchronicity Bank / XXXX This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (VT)

charged a late fee for being XXXX minutes late on { XXXX XXXX 2015 XXXX XXXX } Called a few minutes later to complain, talk to { XXXX with reference # XXXX } who said since this was my first time late with this credit card { XXXX XXXX } that my late fee would be waivered and that the change would show up on my next bill. I just checked my latest bill and the late fee charge was added!!
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I bought 12 months cash option with no accrue interest. I made several payments to Conn 's and paid the last payment on XXXX/XXXX/XXXX. unpaid cash balance was {$3400.00}, payments were done as follow : XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX XXXX/XXXX/XXXX for XXXX ( paid in full ) on Monday XXXX XXXX, XXXX, I got a text friendly reminder that my payment was due that day. I called the number listed on the text to tell them that I had XXXX balance and they told me my 12 month not interest was denied. I paid in full 2 months before the 12 months was due.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (CO)

I received multiple 0 % interest rate balance transfer offers from Barclay Bank. I did take advantage of one of these offers from Barclay. I transfer a balance from XXXX to a new Barclay Credit Card. I was charged a transfer fee of {$54.00} which I agreed to, in exchange for 0 %. After reviewing my statement which I should of done earlier, I see I have been assessed interest charges. They are as follows : XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XXXX/XXXX/16 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX XX/XX/2016 INTEREST CHARGE-BALANCE T XXXX XX/XX/2016 INTEREST CHARGE-PURCHASES XXXX I have called Barclay and asked that they reverse those charges and honor the 0 % offer. The last person I spoke with was '' XXXX ''. I have a claim # XXXX. Phone # for future communication XXXX. I also explained to XXXX, that I called the phone # on the Barclay 0 % offer letter and spoke with a person who was hard to understand and did not speak good English. But, they assured me the promo would take effect immediately. 
In closing, I asked that all interest charges be reversed and the promo instated.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (MN)

I signed up for a XXXX Extra Points Visa Card with barclaycard. I was informed that I would receive bonus points for my payment of my XXXX XXXX SBL ( Seat Builder License ). However, I just made my payment for that license on XXXX/XXXX/16 for {$4000.00}. However, the company did not aware me the correct bonus rewards as promised.
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (MI)

I signed up for a GE Care Credit Card and was told that the loan would be interest free for 1 year. I had a {$30.00} balance ( from a {$2000.00} ) loan remaining and they proceeded to charge me on the notional/original loan amount and charge me a predatory interest rate on the original balance without my knowledge. Subsequent to this I took out another loan on the same card and all of the money was used to pay down the XXXX loan and I continued to get charged an astronomical amount of interest. When I tried to discuss this with their representatives, they could n't explain it. I made a minimum payment of over $ XXXX/month and most of that was going to interest, when it should have all been principal. It is to my understanding that GE was ordered to payback {$34.00} to others like myself who were operating under the same false pretenses.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (GA)

On XX/XX/2020, someone in another state bought a XXXX card and had my current phone number fraudulently transferred to it. From there, they were able to hack into my email and change all my passwords to my financial institutions. One of these involved Citibank. I had a Money Market account and a credit card, both in good standing, with them. They changed my password, logged in under me, opened an account fraudulently, then transferred {$1400.00} from my Money Market account, and did two cash advances ( done online ) for {$800.00} and {$1000.00}, then transferred that to the fraudulent account, then transferred it out of the new account, all within 45 minutes. I have gone back and forth with them since XX/XX/XXXX, and they have denied my fraud claims a couple of times, so I keep having them dispute the denial. They are saying that since my address, phone number, and email are all correct on the fraudulent account, then it wasn't fraud.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (SC)

I went to the dentist in pain after a XXXX, he said I needed a XXXX. For the first time in my time seeing him, he wanted payment for procedure up front instead of sending it to my insurance as usual and as my insurance says is supposed to happen with in-network providers. I could not afford the procedure in cash, and would have usually walked away to get a second opinion. However, then my dentist 's assistant said there was a deferred payment credit card option that is just " great. '' While I was still in pain in the dental chair in the back of the office they presented me with a CareCredit application. I felt pressured into signing up for a credit card that I think is probably a pretty bad credit card. I was in pain and it was a high-pressure situation taking place in the dental procedure chair. I, regrettably, signed the credit card papers for a charge over {$1000.00}. This charge posted to my new account the same day. Once I finally had a chance to read the terms of the credit card, I decided this was not something I should have signed up for, and it was revealed my pain would require more expensive procedures. I wished I had gotten a second opinion and not been pressured into a new credit card. I contacted my dentist to find out what the real cost of the procedure would be and to ask them to put my XXXX on hold at the lab. They said they did n't know what insurance would pay, they did n't have the ability to refund any portion of the balance, and that they would put the crown on hold at lab while I figured out where I would get other procedure done to finally relieve my pain. I was so relieved they could put the XXXX on hold at the lab, but it turned out they either could n't or did n't keep their word and no one notified me. Since they could not help me with a refund I began my dispute with CareCredit, asking for a full reversal of the charge - the contract states this is my right because a charge greater than {$1000.00} was posted within 3 days of signing up at my dentist 's office. Now, a month after disputing the charge, I received notification that CareCredit has closed the dispute in favor of my dentist who issued a partial refund. I asked CareCredit to follow their contract and reverse the full transaction. They have told me they " just finance '' and that I have to request this refund from my dentist. My dentist has already said he can not ( or will not ), but the CareCredit contract states " Right to Refund. CareCredit provides you with the right to a refund to your CareCredit account for any dental or audiology transaction amount greater than {$1000.00} if the transaction occurred within three days of the date your provider submitted the application. '' I do not want this card, and I feel I have been conned.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE (MD)

Barclay Bank Delaware/Barclay Card is reporting XXXX different amounts due for a debt they allege I owe. How can it be possible that I owe XXXX different dollar amounts on XXXX debt? They are also reporting on my credit report that a recent payment has been made. According to my records, no payment has been made on this account since XXXX/2015. 
In addition, the account according to my credit report, is reporting as closed on XXXX/2015 with a payment being made on XXXX/2015. 

I would like for them to provide the original signed agreement for this alleged account and a balance on the account from XXXX to the present so that I can get more information and understand the breakdown of what the balance is and how it they 've calculated and came up with the alleged balance owed.