davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (CA)

I am currently doing a Heloc mortgage with the Bank of the West, pending the final signing. When I first went to their branch on XX/XX/2022, the bank clerk told me the rate is Prime rate ( Index ) plus margin 0.765 %, if I meet some requirements ( They will put the discount on the rate. Please see the attachment ). 

Even till yesterday ( XX/XX/2022 ) they informed me that the loan doc ready to sign, they stilldid n't tell me the rate has been changed. It was me insisted that I want to get a review of the docs before loan signing, just to double check if they have put all the discount on my rate, then they told me by phone that the rate ( margin ) was changed from 0.765 % to about 1.0 %. 

Last week, during the loan process, I asked them very specifically that if I need to add my wife 's name to the title of property for this Heloc mortgage process. They replied says that I can add her name now or do it later without any information on adding extra margin for this case. 

To get 0.765 % margin, I have done everything they asked, including deposit XXXX to my checking account in the Bank of the West for over 10 days. 

And at last minute, before final signature, they told me the margin was changed due to the exception they gave me, I feel that I was cheated at the whole process. This is definitely not acceptable.
Consumer complaint received 2020-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

My Loans are with Nelnet-I believe they picked up loan in XXXX. 
1-My Federal Student Aid acct mistakenly lists me as having borrowed {$620000.00}. Fed Student Loan people said that is due to the people who service the loan. 
2-Nelnet told me my loans were covered under the Cares Act waiver of interest from XXXX to XXXX. I had called to see if I had to fill anything out. They said nope we do it all for you ... They tacked on XXXX of interest on XX/XX/XXXX. When I called Nelnet a different rep said no you aren't covered because you are in bankruptcy. 
3-Nelnet is not able to send me documentation of my loans or amount borrowed ... they said they would send me a promisary note they had for XXXX. I didn't borrow XXXX. 
4-Federal student aid Omnibudsman said my loans were consolidated in XXXX which is incorrect. My loans were switched to 6 different servicers over the years-not because I requested but because they took them ... a lot of errors and misinformation appears to have occurred due to the various servicers errors. 
5-One man at Nelnet will not allow me to pay on my loans but is continuing to post interest to the loan. My student loans were not part of the bankruptcy and were listed as " outside of bankruptcy. '' Nelnet said I have to go to my judge and get him to allow me to pay.
Consumer complaint received 2019-03-29
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: EQUIFAX, INC. (CA)

there is fraudulent XXXX XXXX XXXX account reporting under my equifax reporting, and i have been disputing this inaccuracy for almost a year and half, but this inaccuracy equifax is not helping and is persistent that it must stay under my name, please i need your help to fix this inaccuracy, this is the only inaccuracy that i reporting only on equifax credit, and no one else was this stubborn to help me. 
equifax has been very much stubborn and unwilling to help, please i will be attached my police report received from XXXX police department, and the FTC report i filed online, i have submitted both to equifax several times. 
please help me i have suffocating and unable to even rent a place thank you
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

We do not use her XXXX XXXX card that often but we received a promotional email for some special financing so I logged into my XXXX XXXX  credit card account online just to confirm the available credit and at the top of the screen it reads for your protection we have issued a new card and have limited online access to your account please register your new card I had no idea why you would be sending me a new card so I called after being transferred multiple times hung up on them once then calling back sitting on hold multiple times you finally came back and told me that my account was closed I inquired as to why we've been a good customer for many years put me on hold again I guessed it figure out whatever your story was going to be this time you came back you told me that the authorized user called on XX/XX/XXXX it said that the account was fraudulent first of all be in the authorized user were together on XX/XX/XXXX neither one of us called second we don't carry the credit cards with us so there's no way we could have called with the credit card number that you always ask for and even if your crazy story was true the authorized user is allowed to close my account the primary and keep in mind he didn't call and neither did I so I can't help but wonder what information did you receive and who actually called you you always claimed these calls could be recorded well do you have a recording because I would love to hear it because I want to hear exactly when somebody called and closed my account without my knowledge because I don't believe that happened I don't know why you close my account but it was not at the request of me and you claim on your website you're sending out new cards when will I expect those if the account is closed why are you sending new cards?
Consumer complaint received 2023-02-22
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : ACCT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-29
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: DISCOVER BANK (MS)

On XX/XX/2019 Discover Financial Services were contacted by complainant due to incorrect XXXX XXXX Bankruptcy filing being reported to XXXX. Upon investigation, Discover found that the bankruptcy filing was intended to be added to a different account for a customer bearing the same name and same last four digits of the social security number, although the COMPLETE social security number, date of birth and mailing address DO NOT match. Discover verified with the complainant that the bankruptcy filing was a mistake and reinstated the complainant 's credit card account without penalty. Complainant was told that credit bureaus " should '' not be notified. 

On XX/XX/2019 the complainant filed an online dispute with XXXX due to incorrect XXXX XXXX Bankruptcy filing reported by Discover Financial Services. A full description of the situation was provided in the dispute. 
During XXXX XXXX investigation, they contacted Discover,  referenced the LAST FOUR DIGITS of the social security number instead of the COMPLETE social security number necessary to differentiate between the complainant 's account and another customer with similar SSN. Thereby, accessing incorrect customer account information. 

On XX/XX/2019 the XXXX investigation determined that the reported XXXX XXXX Bankruptcy filing listed in the complainant 's credit report was accurate and would remain on the credit report for seven years. 

On XX/XX/2019 complainant contacted Discover and spoke with Customer Service Supervisor, XXXX ( employee ID # XXXX ) from XXXX, who verified the complainant 's account using the COMPLETE social security number, notified the complainant that a separate investigation would be opened with a " back office team '' who " should '' report their findings directly to XXXX   and correct the incorrect credit report. XXXX stressed the importance of investigators using the COMPLETE social security number in order to access the correct customer file throughout the investigation. XXXX claimed that he was UNABLE to provide the complainant with any documentation that reflected the inaccuracy of the credit reporting and the lack of a XXXX XXXX Bankruptcy filing on the complainant 's account. Therefore, the complainant has been unable to provide additional supporting documentation to the XXXX  dispute claim in order to rectify the problem. 

On XX/XX/2019 Complainant called XXXX dispute office to challenge the dispute, offering to contact Discover Financial Services on a conference call in order to ensure the use of the COMPLETE social security number being used to access the correct account information. That request was denied. Instead, credit monitoring was offered for future protection of my social security number and accounts. Complainant was notified that additional investigations could take up to 30 days.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KS)

On XX/XX/XXXX of 2020 I used my Citi Diamond Preferred Mastercard to purchase an all inclusive trip to XXXX, XXXX with XXXX. XXXX  ceased operations on XX/XX/XXXX of 2020 and informed customers that they would NOT be issuing refunds to customers, and that we must contact our banks or credit card companies to seek refunds. On XX/XX/2020 I disputed the charge of {$3100.00} with Citi under " Goods/Services Never Received. Initially Citi issued me a temporary credit to the card and claim they contacted XXXX regarding my dispute. On XX/XX/2020, Citi reversed my temporary credit and reissued the charge to my account. Citi stated that XXXX informed them that they had already issued me a refund, which is absolutely false. XXXX has lied to all card companies and banks and said they issued refunds to costumers, when in fact I have an email from XXXX stating that they would NOT be issuing refunds. I passed this documentation to Citi and they still sided with bookit.com. It has been well documented that XXXX has done this same thing to thousands of customers throughout the world. The Florida Attorney General and the XXXX XXXX Police Department are actively investigating XXXX for these actions. I belong to a XXXX Group titled XXXX Scammed By XXXX ''.   This group has thousands of members since XXXX of this year all with similar complaints. 
Through this XXXX group I have learned that Citi seems to be the worst credit card company about properly refunding their customers. On XXXX, 2020, I refiled the dispute with Citi and submitted documentation PROVING my case. Citi responded on XX/XX/2020 issuing another temporary credit to my account. However, they are giving XXXX until XX/XX/2020 to respond. I have no reason to believe that XXXX won't lie once again and say that they have refunded me when they in fact haven't. XXXX has been doing this over and over to all the other customers that I've met on the aforementioned XXXX Group. I also believe that Citi will once again rule against my dispute despite my providing documentation proving I am in the right. It seems apparent to me through mine, and numerous other Citi customers ' experiences with them, that Citi is trying everything they can to deny refunding their customers by dragging this out to the point where people give up trying to get their hard earned money back. I find it unacceptable that Citi hasn't yet provided me with a full permanent credit. It is my hope that you can somehow help myself and numerous other citi customers get back what is theirs. Please feel free to go to the above mentioned XXXX group and investigate for yourselves.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (FL)

This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

XXXX XXXX  should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ADP Inc. (TX)

I was the owner of a company that closed with Covid in XXXX. I had a 401 ( k ) account with ADP. I closed the account last year in XXXX. I noticed that ADP charged my personal 401 ( k ) account {$1600.00} for monthly fees that they normally charged my company. However, ADP issued my company ( 2 ) six months waivers on the monthly fees which were {$170.00} per month if I kept my 401 ( k ) with them. Not only did they not waive the fees as promised but they illegally deducted the fees from my personal 401 ( k ) account. 
That deduction meant for over a year {$1600.00} of my money was not traded on the market as funds that were supposed to be in my 401 ( k ) investment account. 
1. ADP sent my company 2 six month waivers for monthly maintenance fees 2. They refused to honor the waivers and they illegally deducted them from my personal 401 ( k ) account They have been telling me that they are reviewing my account for a year now, but they have never issued the credit for {$1600.00} to my personal 401 ( k ). 
When I looked at my account today, they rearranged the numbers without adding the {$1600.00} back to my account ; they also did they send me a check for the amount. They erased the {$1600.00} from the details of my account as if it was never taken out of my account. ADP still owes me {$1600.00}. ( Refer to the Account detail that was done on XX/XX/XXXX and compare it to the one done today on XX/XX/XXXX. Notice that the {$1600.00} is not shown anywhere in the account and there is no indication anywhere that it was added back into my account ).
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I make {$100.00} payments to my loan on a weekly basis. And they are applying my payment to a loan that was closed years ago and not the active loan with over 7 % interest. This is the second time that this has happened. And every time it does I am being caused to pay more money as the interest on the other loans that are active and actually have a balance are accruing on top of each other. This is ridiculous that I am losing money because they can't apply payments correctly.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (UT)

We have had our Mortgage through Citibank for about 13 years. We received notice from them, dated XX/XX/2019, on XX/XX/2019, informing us that our mortgage was being transferred to another company on XX/XX/2019. 
I know that selling off mortgages is a common practice, and although I'm not happy about them doing so, that is not my complaint. 
My complaint is, 1 : that we had very little notice, less than 2 weeks, about the change. And 2 : the company that it is being sold to appears to have a horrible reputation regarding its servicing of mortgage loans. 
Online, it appears that Citi has an average rating of about 3.5 stars, and the company they are selling my mortgage to has an average rating of 1.5 stars. Reading the reviews of the new company, it looks like the reviews are overrated, as many people state that they would give the company " zero '' stars, if that were an option, but, it wasn't, so they gave 1 star. 
But truly, my complaint is about the short notice of this transfer. When we originated the loan, we were led to believe Citi was capable of servicing, and planned to fully service the loan for it's lifetime, and that the loan transferring elsewhere, was not to be expected.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

XXXX XXXX is listed on my credit report as " Charge off '' and still reporting a balance of {$410.00} when they have turned it over to collections also ( invoice attached ). I will attach the Negative and false entries from XXXX XXXX and XXXX. It is showing a utilization of 139 %. I will also attach the collection letter from the collection agency that is also wanting to collect. 

In the comment sections of my credit report, XXXX XXXX does not show that they have turned it over to collections, when in fact they have. I have XXXX XXXX trying to collect from me, and I also have XXXX XXXX ( Collection Agency ) trying to collect from me. All of this information on my report from XXXX XXXX is erroneous, and I would like it deleted. I will also attach my certified letter sent I sent to them. Tracking Number XXXX. 

I would like this incorrect item deleted from all three of my credit reports.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On Friday XX/XX/2022, I was doing online deposits of few personal checks. Suddenly I got logged out from my online banking app. I went to check my emails, and I opened one email from " Chase Online '' regarding : Security info : stating that they had detected unusual sign attempt in my account on Friday XX/XX/2022. They wanted me to verify my account. I found this email suspicious, so I called the customer service phone line and I spoke to a representative. I informed what happened, and he said as long as I didn't provide my account number ( which I didn't provide ), I should be ok. I didn't feel comfortable knowing a suspicious email had my name, address, email address, and social security number. I checked my bank on line on Saturday, Sunday and there was no suspicious activity in my account. I checked again on Monday, and I saw a wire transfer I hadn't initiated. I called my banker immediately and she provided the Fraud Department phone number to inform what happened and try to cancel the transaction. It was a wire transfer for {$1900.00} to XXXX to XXXX XXXX XXXX  XXXX. I have NO Business with this Financial Institution and I don't know anyone in XXXX. My bank account was locked and I had to notify the 3 major Credit Bureaus and submit this claim.
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a new Citibank Basic Banking checking account because there was a {$200.00} promotion detailed at https : XXXX. I initially deposited {$2000.00} into the account. One of the terms of the promotion was : Within 30 days of opening your account deposit {$5000.00} New-to-Citibank funds into the new checking account. 

I wanted to deposit more money into the account, but I did not receive my debit card, and there was no way for me to add funds into the account without the debit card. There was also no way for me to create an online account without the debit card. I called in repeatedly about the fact that I never received the debit card, and was told to wait. I kept waiting, and I never received a debit card until XX/XX/XXXX. I called in and complained and Citi said a dispute would be filed. Apparently, no action was taken as a result of the dispute.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I made purchase for three different items on XXXX for {$100.00} When I received the first item it didn't look as website stated. I request a label to send it back. The 2nd item came the next day and it was defective. I follow the details to contact XXXX for this return. I was not able to contact XXXX so I contact XXXX, since I used my XXXX credit account. On XX/XX/XXXX I spoke with young lady that open a disputed. I ask her if I should send back the first item ( ring ) since I got the go a head for that. I also told I did not received the 3rd item and no longer want it. Since I am already having a problem contacting XXXX. She advised to hold on to all item ( when I received 3rd items as well ) until XXXX contact me. After that I heard nothing. I called XXXX on XX/XX/XXXX since then I have been contacting XXXX and keep getting different information each agent I speak to. I received a email on XX/XX/XXXX that I missed sending additional info. When I call I found out I was sent an email. I check my junk mail found an email. I advised the agent I have been in contact and no one ever said before that I was sent an email. After this process I send pictures. The case got closed when began another process. I was later able to send back the items and got a refund for the shipping cost. on XX/XX/XXXX I got a credit for {$53.00} which is not my full refund. I contact XXXX and I am getting no where. Based on my experience. I call XXXX and their agents tell you anything just to get you off the phone. They don't listen very well, you have to keep repeating yourself and when it's to where you are on the same page, they transfer you and you have explain and try to bring them to what you are calling about. They again tell you anything to get you off phone. A XXXX is never available. Today XX/XX/XXXX I told agent XXXX from the XXXX that I want to speak to XXXX she state none was available when I insist. She assured me one would call me back in 30 minutes. She confirm my phone number, but know has called me back yet which is more than hour now.