davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (KY)

I recently and very proudly paid off my credit card balance on XXXX XXXX XXXX {$25000.00} with money I received from a retirement settlement ( XXXX installment ). I double checked with a Chase Rep before making my pay-off to ensure there were no hidden fees, charges, etc. I was quoted the same amount as was showing on my Chase app balance. I know to do this after working at XXXX. My payment was not due until XXXX XXXX. I made my payment online and received my confirmation e-mail. I went in to check the app on the following day and the balance read zero. What a relief! From here on out, I intended to only use the card for small purchases and pay off immediately. On XXXX XXXX which I figured would not be processed until after my payment, I made a small charge and another on the XXXX. I paid them both off on the XXXX. The app balance again read zero. We are renovating our home a bit with some of the money so instead of carrying cash to get home improvement supplies, I made a small charge on the XXXX which I thought might have interest and then waited until the XXXX to make the other. On XXXX XXXX, I checked my app for the balance on the XXXX charges due to not being able to find my receipts. To my surprise, on the XXXX, {$120.00} in interest was charged! The total of both of my charges was {$600.00} and I planned to pay them yesterday. I asked Chase where this interest came from. They said it was on the balance I paid off between XXXX XXXX and XXXX XXXX when I paid off the balance. I told them that their staff quoted me the pay-off with interest and all pending charges. They refuse to budge or remove the charge. I told them I would pay the {$600.00} or even interest on the {$90.00} charge from the XXXX, but I refuse to pay interest that they have decided to add after quoting me a pay-off. This is a problem with their staff and a very predatory way to treat customers. I have informed them that I will be reporting them. I have filed with the OCC. My response today was as follows : Thank you for taking the time to contact us in regards to the interest charged. your inquiry has reached the highest level. Your account was a revolving balance which is charged interest daily. Therefore you were charged interest on the average daily balance carried from XXXX/XXXX/16 until paid in full on XXXX/XXXX/16. As this interest charge is valid, we are unable to credit it. As long as you pay your previous statement balance in full by the due date, no further interest will be charged. I apologize for the frustration caused. 
Sincerely, XXXX Best Quality Customer Care Senior Financial Service Specialist Phone : XXXX Ext XXXX Mon thru Fri XXXX XXXX to XXXX XXXX Fax : XXXX The XXXX for would never ask a customer to pay for an employee error. It is not my fault that they did not include this amount. I asked for a pay-off that included everything and paid it all. My money is hard earned, and they are a big bank trying to squeeze every dime that they can out of consumers.
Consumer complaint received 2016-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AK)

I was a part of a rehabilitation program after my loan went into default. Following the rehabilitation program my loan was turned over unbeknownst to Navient. Letters and phone calls from Navient were coming in and I had no idea who they were. Finally I opened the unknown mail and saw that Navient became my loan servicer. I called, we had a pleasant conversation about moving forward and I was hopeful. We decided that I would be on a temporary forbearance until school starts and then my loans would be on hold while I am in school. 

A few days later I am at work and my phone once again is ringing relentlessly and the calls are coming from Navient. My thought was well what in the world, we just spoke a few days ago nothing could have changed between then and now. I decided to wait it out before returning the call to make sure their departments were all on the same page. I call and the customer service agent speaks to me as if we they have never spoken to me. As if we did n't come up with a plan two weeks prior. Moreover I am getting e-mails with bills above and beyond what my payments would have been if I were not in school. Payments above what even Navient said I would pay per month once I am out of school and on the same income as I am now. 

Is there a way to change my servicer?
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

COMPLAINT : 1. I DO NOT UNDERSTAND WHAT CHASE BANK IS NOW DOING WITH MY CREDIT CARD A : WHAT LAW ALLOWS CHASE TO INCREASE MY CREDIT CARD RATE TO 25.24 %. THIS IS ABUSIVE AND USURY. 
B ; HOW CAN CHASE AND ALL BANKS GET MONEY FROM WE THE PEOPLE AT 1 % OR LESS AND THEN CHARGE OVER XXXX XXXX IN XXXX, XXXX XXXX IN XXXX XXXX 25.24 %. THIS IS USURY. MY RATE SHOULD BE XXXX OR LOWER AS MY OTHER CARDS C : AS YOU KNOW, THE SECRET TO USING ANY BANKS MONEY IS NOT TO HAVE A BALANCE. FOR OVER 2 YEARS, I HAVE HAD NO BALANCE AND CHASE IS GETTING NOTHING FOR ME. 
D ; MY CONCERN IS THE MILLIONS OF ELDERLY IN XXXX XXXX COUNTY WHO ARE BEING ABUSED BY THE BANKING SYSTEM. 
PLEASE ADVISE MY RIGHTS? 
CHASE IS TELLING ME. 
XXXX XXXX, YOU HAVE NO CONSUMER BILL OF RIGHTS. 
NO ONE CAN REGULATE XXXX AND WE CAN CHARGE WHATEVER WE WANT
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

The gas company, XXXX XXXX terminated my service regardless of my on-time payments. My communication with them lead to disconnecting my gas service. The account was paid in full. They have even issued overpayment refund. They are reporting XXXX late payment on Equifax and my dispute with both XXXX XXXX and Equifax yields that the negative information is reported over and over again.
Consumer complaint received 2016-08-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hello CFPB, After applying for a home loan refinance, I discovered that my current HELOC with Citibank Account # XXXX was not being reported correctly to the credit bureaus. Citi reported the loan with a XXXX outstanding balance. This is not the case as the attached statement will attest. Due to this error in credit reporting, my refinance mortgage company can not submit the loan package to underwriting and the loan is currently at a stand still and due to time constraints I am in danger of losing my loan rate lock. To move forward with the loan they requested a letter from Citi stating the following : " To fix your credit here are the items we need in a letter from Citibank : - State that the reported {$0.00} balance is an error - State the current loan balance amount - State that the loan has been paid every month as agreed for the last 12 months - State that there are No Disputes associated with the loan ( if it is still in dispute in their system tell them that you are no longer disputing anything ) - Include the loan number and name of the borrowers '' I contacted Citibank on XXXX/XXXX/2016 and spoke with customer service rep XXXX, explained the situation and requested the letter with the above statements. He opened a support case # XXXX, said it would take XXXX5 business days to receive the letter. 
I called Citi back XXXX and was informed that my case was closed, and that they could not produce any letter and offered no help to resolve the incorrect credit reporting error.
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Williams & Fudge, Inc (CA)

Collector called my employer asking what days I worked. It is against our policies to tell others a employees work schedule.so my employer called me saying they called and left their name. I called collector back and told them they should of left me a message on my phone instead of calling my work. They relied, they are n't allowed to leave messages!
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NY)

My mortgage was originally with XXXX Bank. Approximately 3 months ago I received notification from XXXX Bank that my mortgage was going to be serviced by another company named Statebridge Company, LLC. On XXXX XXXX, 2016 I forwarded my XXXX mortgage payment to Statebridge. 2 days later I received a notice stating I owed a late payment fee. On XXXX/XXXX/2016 I attempted to reach the representative listed on the Statebridge correspondence as the contact person. I called at XXXX ( NYXXXX ), I was kept on hold for over 10 minutes, never reached a live person, left a message requesting a call back and to date have not received as such. 
To add insult to injury my mortgage payment has not been applied to my account. The correspondence I received shows my XXXX mortgage as unpaid yet Statebridge has my payment, the funds were deducted from my checking account. This is the same chicanery, smoke and mirrors, slight of hand XXXX that XXXX Bank used to pull. I thought the actions/intervention of the XXXX government was to put an end these companies cheating the consumer!
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (TX)

I purchased an item in 2014. Five months after the MFG warranty expired, the item broke. After reading Discover Cards Extended Product Warranty information posted online, I opened an Extended Product Warranty Claim. I spent some considerable time gathering information to complete the " checklist '' requested by the warranty company, and was quickly denied. 
The denial was regarding my combined use of my Discover Card and a Gift Card. The Claim Benefit Services used a reason that contradicted the terms Discover Card has posted online. Upon further investigation, the warranty company stated that the product was covered under an old warranty policy which denied such a claim. The new policy would only cover the amount which was put on my Discover card. This seems a bit convoluted and I feel the ball has been dropped somewhere b/w Discover and their warranty company with me in the middle unable to use a benefit they are claiming I can use.
Consumer complaint received 2016-08-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (OR)

BSI Financial Services, as purported agent for XXXX solely in its capacity as Separate Trustee of XXXX XXXX XXXX, is attempting a non-judicial foreclosure action with a sale date scheduled for XXXX XXXX, 2016. However, BSI is not the agent for the true owner of the loan. In addition XXXX XXXX XXXX, XXXX XXXX, XXXX and the XXXX XXXX XXXX are not the owners of the loan nor are they agents of the true owner of the loan. This non-judicial foreclosure is being wrongfully attempted by a party that is not being transparent as required by Oregon state non-judicial foreclosure laws.
Consumer complaint received 2016-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Following up on case # XXXX. Citi told me in its response to my CFPB complaint that it would credit me XXXX miles within 60 days. That was on XXXX XXXX, well over 60 days ago. I called Citigold today to ask why the miles were n't posted yet and they told me it was XXXX XXXX ' fault. But then the rep admitted she could not see any record of the CFPB complaint ( which the executive response unit handles ) or of the letter they sent me ( and to you ) promising the miles. 
I just want these miles. It has been over 5 months since I earned them, and Citi has failed to fulfill the promise it made in response to my initial CFPB complaint.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Colony Brands, Inc. (IL)

Company is reporting on my credit report that I owe them I just realized this is showing on the credit report I have written to them and they sent me back a identity theft affidavit and i asked that they investigate the debt but they are stating the form must be completed first but I have not indicated identity theft as of yet. I returned the form with notary because the police have not been contacted.I asked that a copy of any of the orders and or payments made be sent to me. no response as of yet
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OR)

I set up bill pay with Chase and asked the payment to be delivered by a specific date. It was not delivered on time and I got a late fee. When I contacted Chase, several times asking them to do something about it, such as contacting the payee, they refused. They would not even contact the payee to explain their error to have the payee reverse the fee.
Consumer complaint received 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I contacted the collection agency regarding my XXXX negative items on Equifax credit report. When I contacted the collection agency XXXX XXXX XXXX and talked to XXXX desk id # XXXX informed me that the items where send to Equifax to be removed. I contacted on Equifax on XXXX XXXX, 2016 at XXXX. The Representative said I ca n't help you and hung up on me. I was instructed from the collection to have Equifax call on a XXXX way call that XXXX XXXX XXXX Equfiax XXXX XXXX supervisor refuses to help. I 'm paying a monthly fee and refuses get the service I am paying.
Consumer complaint received 2019-02-08
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. (OH)

In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down XXXX points and Exquifax credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
Consumer complaint received 2019-02-08
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. (CA)

Paid a deposit to a Vendor ( XXXX ) for a solar purchase amounting to {$500.00} on XX/XX/2018. Contract stated that this deposit was refundable, until I signed a purchase agreement, that would make this deposit non-refundable. 

I decided not to move forward and requested for a refund on XX/XX/XXXX, which was confirmed on XX/XX/XXXX by a sales agent from XXXX. 

Opened a dispute claiming that the deposit was not refunded as per the agreement, in early XXXX. 

Got a response from the vendor, stating that the charge was legitimate ( which I agree with, since I gave them my card number ). But they did not mention I tried to cancel and a refund was due, as per their own terms and agreements. 

I responded with cancellation email and a copy of the agreement with the vendor on XX/XX/XXXX. to which I got a response that I would have to take up the dispute with the vendor, and Citi would not be solving my problem. 

I called repeatedly and sent an email to the executive team to figure out why they did not accept my proof of cancellation, but haven't received a response. People on the phone reacted with emotions ranging from disbelief to total agreement, but nobody helped me get a response from the agent who decided against me in this regard.
Consumer complaint received 2019-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (TX)

This is the second time Xoom did to me. They hold on to your money in the name of security and take a very long time to transfer! This is against their advertisement! I did a transaction to my nephew in XXXX on XX/XX/XXXX in the amount {$4400.00}, it took 4 days to transfer the money!! I did send money to my nephew before and he was already in the system so this does not make sense to delay the transaction. I had to call them twice and only then they released my money to my nephew! Proofs are attached below. 

Most recently I tried sending money to my cousin in XXXX in the amount {$2900.00} on XX/XX/XXXX. Again they have put a delay to my transaction under the name of security. I called them up and they said its their partner who are causing delay but the strange thing is that the recipient is not new! Its already in the system and I have done transactions before to the same person before! Its been more than 20 hours and my cousin still did not receive his money! Proofs attached below
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (NC)

CREDCO IS ON MY REPORTS ... AS A HARD INQUIRY ON XX/XX/2018 ... I HAVE ASKED REPEATEDLY REGARDING THEIR HARD INQUIRY DETAILS AND WHAT INFO AND DATA THEY ARE REPORTING TO BUSINESSES BEACUSE I WAS DENIED A LOAN I ASKED THEM REPEATEDLY TO SEND .ME MY INFO TO XXXX XXXX XXXX XXXX NC XXXX XXXX.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

I am trying to consolidate loans and get them out of default.  XXXX   XXXX  owns the majority of my loans and navient owns one. both were in default. I asked for the  IBR  plan and consolidation to get them all on one payment and was refused by Navient unless I paid them  XXXX  to get it out of default. Then next time I called them it was only  XXXX  dollars but they said I was n't able to consolidate my loans because they were n't federally insured anymore. THey also said I did n't qualify for  IBR  plan no matter what when both  XXXX   XXXX  and usfedaid said I absolutely do.