davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank closed my account and for about 7 months they have failed to send me the check of my remaining balance of {$750.00} that they said was already on its way. They say it could take a couple months. 3 months go by and I contact them ask to speak to their supervisor for them to hang up on me repeatedly. I called over and over for them to hang up and not give me any names of who was working. Simply telling me there is no money owed to me and hanging up. This is astonishing that professionals would act this way, not to mention I have no idea why my account was closed in the first place. Then I got ahold of them recently for them to tell me I need to have every quickpay transaction verified. I told them ok how should I do that and they said have everyone you have done quick pay with call in. Well I see so many flaws in that how are they supposed to know whos calling in is really the person. How am I supposed to contact everyone I did quick pay with if I cant access my account to see all of the friend and family I have transfered money with? Well they weren't too sure either because I got hung up on when I asked.
Consumer complaint received 2018-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I submitted for mortgage assistance in XXXX of XXXX. They kept asking for XXXX more thing. We finally got approved to start XX/XX/XXXX. I have filled out the contract XX/XX/XXXX times They say each time the company rejected it. Today after making XXXX payments towards this plan on time ... they say they are canceling it. They say they will foreclose. I attempted to contact XXXX XXXX my customer representative and he was not available nor was any other representative. I can not get an appointment until the next day.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (CO)

We have been trying for 3 months to meet the requirements of BB & T to have our PMI removed and they keep making up reasons to delay removing our PMI. We were told both in writing ( a letter from BB & T ) and over the phone that if we payed our loan down to 80 % or lower, we would be eligible to have PMI removed. We were given a dollar amount that our principle loan had to be at to reach 79 %, so we made that happen. After waiting for the payment to be processed, we called again to make sure we met the requirements to have PMI removed. We were then informed that we needed to fax a letter officially stating that we request PMI to be removed ; so again we did what we were told. After receiving our letter, we were told we had to wait 20 days for the PMI department to review our information and decide if we qualify to have PMI removed. After waiting the full 20 days, they sent a letter saying we couldn't remove our PMI without an appraisal of our home by one of their " qualified '' appraisers. We already know our home has increased in value since we bought it and they claim it is a {$500.00} minimum charge for an appraisal ; so we would rather pay that money down on our principal instead of wasting it on something we already know. We did our research ( along with speaking to other mortgage professionals ) and we learned that if our principle loan reaches 78 %, federal law requires a bank to remove PMI automatically. After finding out this information, I called BB & T to ask them what our principle loan amount needed to be to reach 78 %, so we could remove our PMI. The first lady quoted me an estimate of {$130000.00} and said she wasn't a PMI specialist but that was what she thought we needed. I called back the next day to request to talk to the PMI department, but they told me that wasn't possible and wanted to answer my question themselves. Again I asked what our principle loan amount needed to be to reach 78 % to have PMI removed. This time the lady told us {$120.00}, XXXX ( that is an {$8000.00} difference between the quotes that 2 different BB  & T employees gave us ) and she said even if we payed down to the 78 % now we wouldn't be able to remove the PMI because it goes by the amortization date ( not the percentage ) ; so according to her, we wouldn't be able to remove PMI until XX/XX/2022. All we want is a direct, honest answer to our question ... .what principle loan value do we need to pay down to in order to reach 78 % of our loan? Once we pay that amount, they must follow the federal law requiring immediate removal of PMI without giving us a million different reasons why they can not remove it. Every month they delay removing our PMI after we have met the federal requirements, they should have to reimburse us the PMI payments we made.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On XX/XX/2016 my UnionBank checking bank account was charged an unauthorized purchase transaction in the amount of {$400.00} by XXXX CA. However, on the same day of XX/XX/2016, 21 minutes before this unauthorized transaction I did shop and their for made a purchase from XXXX in the amount of {$56.00}. I have all of my prescriptions sent to XXXX for which I must pay for in order to pickup. I rarely carry cash on hand so I more likely use my bank debit card. I occasionally login to my UnionBank account as I did on XX/XX/2016 to avoid overdraft fees. Since I had very little transactions the {$400.00} withdrawn amount was very obvious. I then panicked and called UnionBank right away to report the unauthorized transaction. Today, XX/XX/2016 I followed up on status of my reported claim with UnionBank and have been informed that my claim was Denied due to : 1 ) repeated transactions from vendor 2 ) distance of vendor from my physical residence 3 ) the fact that I had my debit card with me at time I made the claim 4 ) Imy PIN code memorized their for no other person could have known of my person PIN code. Their is nothing I could have purchased from XXXX for the amount of {$400.00}. I ask that XXXX please allow me to see their surveillance cameras. UnionBank rep mentioned that whoever made the purchase transaction used my card since it has a chip & could only have been used along with the PIN code. 

And this was my banks response decision in regards to my claim : " For your reference, your debit card is the new chip-enabled type. This debit card type includes new technology that makes it difficult for someone to replicate or steal payment information at the point of sale. You may not be aware that the XXXX involved with this claim accepts chip transactions. Additionally, our Claims Investigations department verified your card was not linked to any known point of compromise. While we have no reason to believe your card was compromised, the transactions on your card do not appear to be suspicious. 
Based on the fact that you acknowledged authorizing a transaction at this same store approximately 21 minutes before the disputed transaction, prior transactional history at the XXXX, and being located in the vicinity of the disputed transaction, our Claims Investigations department declined the claim. After reviewing your claim with management, the Office of the President concerns the original denial decision was appropriate. ''
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

On XX/XX/XXXX, I sent a letter to AES requesting for my co-signer to be removed. The original agreement stated that a co-signer can be removed after 5 years of good payment history. However, when I received a forebarance no one told me this would count as bad payment. They said using a forebarance would assure I dont receive negative payment history and I will still qualify for a co-signer release.

My release was denied on XX/XX/XXXX.

The servicing company is AES. The holder is XXXX.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2018-05-17
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX I mailed a certified letter to Synchrony bank, they signed for the letter on XX/XX/XXXX. In that letter I requested validation, made pursuant to the Fair Debt Cololection Practices Act and the Fair Credit Reporting Act, that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. 
On XX/XX/XXXX they responded with a generic letter that did not contain my signature or any form of a contract with them. 31 days after they signed for the first letter I sent them, they did not mark my account on any Credit Bureau as disputed. 
On XX/XX/XXXX I sent a letter stating that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
I have evidence of their violations such as, the original letters that I sent, time stamped credit reports, their responses as well as documentation provided by the USPS showing when they received each letter from me.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2018-05-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I Have contacted NationStar Home Mortgage XXXX XXXX XXXX Mortgage ( NMLS # XXXX ) at least 7 times over the past 6 months to request 1098 interest info for 2016. I requested copied of these docs over and over. They acknowledge the request but nothing is ever sent. My Address is verified and is correct. Escalated complaint to manager, XXXX, XXXX, who apologized profusely for the the situation. I left her two more messages. My Calls were never returned and nothing was ever sent.
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I incurred student loans while attending the University of XXXX. My student loans were serviced by Sallie Mae/Navient, who never advised me of student loan forgiveness through public service/law enforcement employment. Rather, they continuously provided deferments. Only in XXXX did I learn of the public service student loan forgiveness program from a co-worker. Subsequently, I contacted the Department of Education and asked all the criteria and details to qualify for public service student loan forgiveness. I was advised to consolidate my student loans with the Department of Education and was advised step-by-step which repayment plan to enter in order to qualify. I contacted the Department of Education several times over the next few years to make sure I was on track with the right repayment plan. The last time I called, I was told that the repayment plan I was making payments under did not qualify for the public service student loan forgiveness program. I have worked for the federal government in law enforcement for 26 years. I hold Navient responsible, but the Department of Education as well for misleading guidance and information. None of the payments I have made qualify for the student loan forgiveness program. I am XXXX years old and my student loan debt is higher than the original loan amount. In XXXX tax year, only {$4.00} went toward the principal, and even less in XXXX. This started with the O'Bama administration. I did find after researching the federal register that the O'Bama administration failed to make student loan forgiveness programs known to the public and that Congress directed that measures be taken to make the public aware of such programs. XXXX, even the Department of Education was/is remiss in its duties to make borrowers aware of the proper repayment plan. I was deceived, misled and misguided by Navient and the Department of Education about the requirements to qualify for Public Service Student Loan Forgiveness programs. My student loan debt is higher than the original amount now by about {$5000.00} to {$10000.00} dollars. Please help!
Consumer complaint received 2018-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I recently pulled my credit and noticed that medical data systems was reporting on my credit report. I have never been contacted by mail or phone regarding this account, And it's a HIppa violation for medical providers to sell my information to 3rd parties.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CT)

In my previously closed complaint, CITI asked me to provide evidence that XXXX XXXX XXXX indeed promised me with the full refund of XXXX dollars. If found, CITI promised to refund me with the remaining money, which is XXXX dollars. I have just manged to find evidence of his promise. I have attached below.
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NV)

First, how and when the capitalized interest was applied was not fully explained. The impact of deferrals/forbearance was not explained. 
Second, I dont think that the capitalized interest is being calculated correctly. I have been paying regularly on my load for 10 years and the principle has not gone down. I feel like I am in a situation that I will die with. The interest is ridiculous. I contacted Navient to ask them the explain how and why I have received each charge of capitalized interest. They referred me to my account history. The account history does not show how it was calculated. I have paid $ XXXX in interest and $ XXXX on the principle. I have pad a minimun of {$200.00} a month for 10 years.I will die before this is paid off. 
Attached is my payment, interest file
Consumer complaint received 2018-05-16
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: Experian Information Solutions Inc. (TX)

THIS IS ON MY EXPERIAN ACCOUNT ( 1 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 2 )  XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 3 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 4 ) XXXX XXXX # XXXX ATTENTION XXXX XXXX ( 5 ) XXXX XXXX # XXXX ... ... please help there are many many XXXX XXXX 's in the USA .... THANKS IN ADVANCE
Consumer complaint received 2018-05-16
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NY)

I received a letter from this agency on XX/XX/XXXX as I was the co-signer on my daughters student loan. My daughter had told my prior that the IRS sent her e letter stating that they held $ 5500+ to cover her outstanding student loan. I called XXXX and they said that it takes some time for the money to catch up but that she saw where the money was garnished. She told that it would be taken care of and I wouldnt hear from them any more. On XX/XX/XXXX my wifes phone received a call from XXXX asking for me. The collector then tried to dunn me for the balance. I explained the same as I did the prior week and she told me that until they receive the money that collections would continue. I asked why not place on hold until the IRS remits to them. She again said that collections would continue. She said the first collector wouldnt know that the money is garnished. One way or the other one of these collectors is lying.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

A cable provider, XXXX XXXX, filed duplicate accounts on my credit report with XXXX. I contacted XXXX and informed them that XXXX XXXX filed duplicate accounts on my credit report. XXXX states they are n't on my credit report, " The disputed accounts XXXX are currently not reporting on your Equifax credit file ''. However, they are still showing on my XXXX credit report which still shows XXXX derogatory accounts, all of which are from XXXX XXXX, and XXXX of the XXXX are duplicate accounts. 

It 's frustrating because I 've contacted XXXX XXXX several times to get the final balance owed resolved. I cancelled my service when I moved from the address to which they provided service and they have the record showing I cancelled my service. However, they continued to charge me for the monthly service and the equipment rental because the equipment was n't returned immediately. Even though I was n't using the equipment and had moved from that location, they kept charging me the monthly service. 

So, XXXX XXXX said they would contact me with the " final '' amount they 'd accept. They never contacted me, and each time I contact them I go through the same experience. No one knows how much I owe them, and because the records are so old they have to research the amount I owe. 

I 'm in a never ending circle of incompetence. The XXXX accounts with the same exact balances show on my credit report as XXXX accounts, and XXXX XXXX ca n't give me an amount I owe them to get the XXXX accounts off my credit report. Craziness! 

So, I 'd appreciate if you can help in any way. It would be helpful to get the XXXX derogatory remarks reduced to XXXX, and to help me get a final balance that is fair so I can pay XXXX XXXX and get the XXXX accounts off my credit report. Otherwise I ca n't pay them and I ca n't get this resolved.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (FL)

I settled a debt with Citicard previously with a 3rd party debt collector on behalf of Citicard and then instead of closing the debt they sent the remaining balance from the original amount to another debt collector who reported to the credit bureaus that the debt was a new debt. It is my understanding Citicard was under litigation for such practices and I was to report it immediately. I have a settlement letter from the first debt collection agency stating that I settled the amount. My credit was affected by this and I am extremely unhappy and would like Citicard to erase this issue from my credit report completely.
Consumer complaint received 2016-12-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ECMC GROUP, INC. (WA)

I keep getting calls from my student loans a new company took over a couple of years ago and I tried to talk with them but just wanted money no matter what and would not hang up until they had some money. since then the call have been getting more and more each day now receiving about 5 calls per day. Premiere Credit XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account XXXX Balance : {$7300.00}
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

RE : XXXX  Block Request To Whom It May Concern, I am a victim XXXX  XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXX  - XXXX XXXX XXXXXX/XX/XXXX - {$9600.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.