davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit 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 (NY)

i bought something via hsn in beg XX/XX/2019. i have a receipt that i sent it back to them, sent via usps priority mail, w/ tracking number along with extra ins for delivery. once, you guys give me a ref #, ill ' forward you the receipt at which time tell hsn to contact usps and if they wan na claim not gettingit, have them have usps conduct an investigation and if theydidnt ' get it then usps is responsible for payment not me so stop harassing me!
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CO)

The XXXX Visa Card has been promoting XXXX Rewards points for every dollar spent in the following categories since XXXX : Gas, Groceries, and Dining Out. This is in addition to always receiving XXXX Rewards points for every dollar spent in their own Stores all the time. Since XXXX I have been receiving the bonus/promotional points in the Gas, Groceries, & Dining out categories correctly until in early XXXX I noticed a problem with the Points calculations. On the XXXX statement generated XX/XX/13 I should have earned XXXX points, however, the statement only shows XXXX points earned. I called Card Holder CS and was told this takes 1 - 2 billing cycles to calculate and this is incorrect/untrue as this had been working correctly since XXXX without any issues up until XXXX. I escalated to a Supervisor who agreed there was a problem and told me she submitted a ticket for this to be reviewed and re-calculated. A few days later I received an email with an amount of {$10.00} versus {$5.00} for the Reward issued on my XXXX statement. This is still not calculated correctly. I also took the time to review my XXXX statement and points and I was also shorted on that one. On the XXXX statement I was shorted XXXX points = {$5.00} and on the XXXX statement I was shorted XXXX points = {$30.00}. And my points are still not calculating correctly now. I do not feel I should have to wait 1 - 2 more billing cycles for this to be corrected. I have been a loyal XXXX customer for over 5 years and I have had this card for a year and a half without any problems until now. I am attaching the XXXX and XXXX statements as well as a detailed listing of all transactions and points calculated.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (GA)

I got my last mortgage statement, with a significant increase in payment, from XXXX to XXXX. When I tried to inquire about this issue with Caliber Home Loan, which requires your loan number, all forms of communications, voice, on-line, do not recognize the account number, XXXX, on my mortgage statement. When I try and e-mail XXXXXXXXXXXX, found on my mortgage statement, there server refuses the e-mail. 

I seems to be no alternative other then mail, to contact this firm.
Consumer complaint received 2019-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

My mortgage payments are due on or before the XXXX of every month. Each monthly statement says " after the XXXX a late fee may occur '' My monthly amount is {$1800.00} I sent use ACH from 2 different banks to may payments of {$920.00} the Total amount of which is XXXX Both payments processed on the XXXX of the month, please see attached yet US Bank still charged me a late fee.
Consumer complaint received 2019-10-22
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: AES/PHEAA (MD)

This complaint is in regards to old student loans from FedLoan through the gov FAFSA program. FedLoan refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy.

Because of this i can not get approved for a credit card or for my first home purchase. Legally FedLoan is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The FedLoan student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. FedLoan refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( XXXX, XXXX, and XXXX )
Consumer complaint received 2019-10-22
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-12-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

I am a Citigold Account. I got a letter from Citi on XX/XX/2020 said that my accounts is closing thirty to sixty business days, Citibank will issue you an official check for that balance to the address on file and not giving me any reason. From that day, both of my accounts are blocked and I can not withdraw, transfer or make payment from my accounts anymore. 

I called Citibank customer support many times and visited citi branch and still not get my money back. 

Then after almost 4 months, on XX/XX/2020, I checked my accounts and saw Citibank withdrawal {$130000.00} from my account ending XXXX and {$1800.00} from my account ending XXXX. Total of withdrawal is {$140000.00} ( Image proof of withdrawal I took the screenshot from my account on Citi website 1XXXX ) On XX/XX/2020, I got a check from Citibank by mail only {$120000.00}. Not total of my savings balance of {$140000.00}. 

I attached a lot of proofs showing my accounts balance : My daily alerts summary by email ( daily-summary-email.XX/XX/XXXX) My daily alert summary by sms text message ( daily-summary-text.XXXX XXXX My XX/XX/2020 statement XXXX XXXXStatements.pdf ) And other proofs as well. 

Please review my accounts please?
Consumer complaint received 2020-11-07
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. (AZ)

I ran my credit report threw equifax and noticed two inquiries shown on my report one from XXXX XXXX inquirie date was XX/XX/XXXX and the second inquirie was from XXXX inquirie date was XX/XX/XXXX i do not recognize or authorized either of these two inquiries so i contacted credit bureaus office equifax to dispute them and have them removed two times i disputed them with equifax, equifax stated that inquiries are a factual record of file access and would not remove them, i also reached out to XXXX  XXXX and XXXX and neither company has any pass or current account with me.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

Equifax -I want to get my credit report .. 
they keep saying I need to verify information .. I answer the questions .. they still say those answers dont match .. then they immediately send me to a automated survey .. 
they also have attempted to run my account for XXXX for their premier service and say it will be refunded. 
I have no issues with the other credit reports
Consumer complaint received 2020-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TX)

On two occasions I have called Chase Auto Finance to request that they send me a copy of my lien release letter for a car I paid off over a year ago. The most recent time was XX/XX/XXXX. The previous time was in XXXX or XXXX of XXXX. On both occasions the customer service rep took and confirmed my address, and assured me the lien release document would be mailed out that week. I have not received the lien release letter or any other contact from the company.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (VA)

On XX/XX/20, I received a notification that three collections were added to my credit reports from the CBE group. I had previously been working with the CBE group to settle the account, but the collections were placed on my credit reports anyway. Because I wanted to settle the debt, an agreement was set up with the CBE group to settle all three accounts that were in collections in the amount of {$300.00}. I also have the agreement # to show proof that this was the accepted amount to settle for. Since XX/XX/20, I reached out to the CBE group to ensure that my accounts would be updated properly with each credit bureau to show that the debt has been paid. However, when speaking with a representative and after logging into my account, it appears as though CBE group has somehow deleted the original agreement to settle the accounts, and now there is a balance showing for each account, AFTER the agreement was accepted by CBE group. I am at a lost for words that this has happened as I didnt know that collection agencies can void agreements after theyve taken a payment for such agreement to resolve a debt. This is completely unacceptable.
Consumer complaint received 2017-07-26
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: AMERICAN EXPRESS COMPANY (TX)

This will reference complaint XXXX AMERICAN EXPRESS AND TRAVEL RELATED SERVICES as stated in the previous above captioned complaint AMERICAN EXPRESS continues to fail in examining the facts surrounding my request for credit and removing this from my credit. I was given XXXX XXXX XXXX ( XXXX ) times by XXXX XXXX XXXX, XXXX TX. for the wrong diagnosis. The doctor is no longer with the firm. AMERICAN EXPRESS does not take my dispute/complaint seriously and just regurgitates the correspondence received from XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to determine the actual cause of the problem. The doctor remarked that there would never be any improvement in the XXXX as a result of the XXXX XXXX done by XXXX XXXX XXXX as they XXXX XXXX XXXX XXXX. It is my opinion that after all my research and work that AMERICAN EXPRESS 's only concern is keeping a satisfied merchant. Further it is obvious that AMERICAN EXPRESS is ignoring the center of the issue and basing there explanation ( s ) on the fact that the charges are valid because the services were rendered. My dispute ( s ) are valid and AMERICAN EXPRESS needs to realize the validity of my claim ( s ) as the are not frivolous and have merit. Their merchant made a  mistake and should not be compensated or rewarded for malpractice. I have tried to reason with AMERICAN EXPRESS but to further prove their lack of concern, each time I call to dispute they refer my calls to collections. AMERICAN EXPRESS is now on their second collection firm, the first being XXXX XXXX and have now given it to another firm ( since XXXX  could not get anywhere ) to whom I have written and explained the situation and have asked them to cease and desist from calling me. Clearly AMERICAN EXPRESS is now harassing me. AMERICAN EXPRESS needs to do what is morally correct and charge back the merchant and remove this from my credit.
Consumer complaint received 2020-11-07
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. (FL)

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX Balance {$1100.00} XXXX/XXXX Balance {$4500.00} XXXX XXXX Balance {$2000.00} XXXX ( Original Creditor 11 XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} CBE GROUP ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} ( Original Creditor : XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$34000.00}
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I was automatically enrolled in Equifax 's XXXX XXXX XXXX program b/c I was one of the persons potentially a victim of their huge security breach a couple of years ago. 

On XX/XX/19 I rec 'd a notice from Equifax alerting me to a change on my credit report. I checked my report via my XXXX XXXX XXXX acct. and found that my address had been reverted to an old address for some unknown reason. I contacted the company because I was concerned. I had changed my address when I moved in XX/XX/2019. My banks and my credit cards had all been updated with my new address and it had been reflected on my credit report.

However, when I began a new job in XX/XX/2019 there was an incident that could have made my personal ID info. vulnerable - they emailed an I-9 form with all of my identifying info. via insecure lines. 

In any event when spoke to a some Equifax repXXXX in XXXX and explained my concern he said it was nothing to worry about and to ignore the alert. 

Sure enough on XX/XX/19 I received a second alert - checked my ount and found the same issue - my old address appearing as my current address. 

I called Equifax again on XX/XX/XXXX and spoke with someone named XXXX who said he would place a dispute on my credit report in an effort to remove the old address. 

On XX/XX/XXXX I received the first of several emails saying that the dispute had been completed and offering me a confirmation number by which I could check the status of the dispute. I have tried several times to log onto the status check website offered by Equifax to no avail. When I provide my identifying information I receive an error notice saying the information does not match their records. 

I have spent the last hour on the phone trying to reach someone who can help me with this. The first person with whom I spoke transferred me to the " dispute center '' where I spoke with a rep. named " XXXX '' who asked me for my DOB, my address, info. about current credit cards and about past student loans ( which I paid off over 10 years ago ) and she was not satisfied. I then asked for a supervisor. She placed me on hold for over 10 minutes. I gave up and called back and reached XXXX. They transferred me to U.S. dispute dept. where I spoke with XXXX who said she would transfer me to a supervisor. I was placed on hold for over ten minutes and then disconnected. 

I called back again. Now speaking with XXXX - who said she was going to transfer me to a supervisor in the dispute department but after 15 minutes of hold time a customer service rep. in " products and solutions '' picked up and had to transfer me again. 

I hung up. I want this issue cleared up. This company is a joke and has wasted my time and screwed up my report. 

My free XXXX XXXX XXXX acct. has expired in the interim.
Consumer complaint received 2019-10-22
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (PA)

Hi, I contacted Barclays Bank to make them aware of charge that was not mine and had been assessed late charges on, they assured me that no interest and penalties would be assessed further to my account. They continued to call me and tell me my account was overdue and when I told them the account was in dispute they would tell me that it was a call in error and once their investigation was completed they would send me their results of their investigation. I was never notified of the results of that investigation and the late fees and penalties kept increasing.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Recovery Systems (IA)

I was contacted on XXXX XXXX about a debt that i owed. I had spoke to a man he was very rude and kept talking over me. I asked repeatedly for a letter to be sent to me and i would pay the debt. He stated he would send a letter but they can still proceed with garnishing my wages without me getting the letter. As of today, XXXX XXXX, I still have not gotten a letter. I received a call again today, from a different number, and a voicemail stating they were going to move forward with a hearing with or without hearing from. I call and again ask for a letter so i can take care of the debt and he states " a letter was sent but he has not idea why i havent received it ''. we verify my address and he says my only option now to recived the letters is through email. But regardless they are going to continue with a hearing and may request my presence and i SHOULD get a letter. All i want is a letter verifying this is a legitimate company requesting this. Some of his information was wrong and he says he is SURE i have received other letters trying to settle this. Which is false in the last years i have not received any letters.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NC)

I was inbetween jobs for about a year after I graduat ed. At one point, I entered into IBR but after I got married, was told, I no longer qualify despite the fact that only I repay my loans. Because I didnt have a steady job, I deferred and no one from Navient explained to me that the interest would be tacked on and inflate my monthly payment. I had an extremely low payment but after the deferment, I now have to pay {$1200.00} a month which is my cheapest option, at an interest only payment. This payment will go up every couple of years. Navient did not share this with me and did not try to help me find a lower payment. I am struggling to make this payment and it 's absurd to me that no on e from the company would have identified this to me as a future issue. I need a lower payment as soon as possible. I am going to begin calling the company every work day until they make an adjustment.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I have been trying to short sale my home with SPS since  XXXX / XXXX / XXXX . The short sale has been denied multiple times for " missing documents '' despite the fact that I have resubmitted the documents multiple times. Most recently, the short sale was denied on  XXXX   XXXX ,  XXXX . The file was re-opened on  XXXX   XXXX  and I submitted the required documents.  SPS  requested my updated paystubs and bank statements. On  XXXX   XXXX , I submitted my former employer 's letter of employment showing I was laid off in  XXXX   XXXX  and not currently employed. A phone call was made to SPS on  XXXX   XXXX ,  XXXX . I was advised that the file was  COMPLETE  as of  XXXX   XXXX  and had been forwarded to underwriting for a final decision in 30 days. On  XXXX   XXXX , another phone call was made. SPS advised they had approved me for a loan modification. I am unemployed, how am I supposed to make any payments? This is the reason I 'm pursuing a short sale. I followed up on  XXXX   XXXX . I was told by SPS that my short sale was DENIED on  XXXX   XXXX  for missing documents. What documents? They told me the file was complete as of  XXXX   XXXX . They never requested any documents on my follow up phone calls  XXXX   XXXX  or  XXXX   XXXX .