davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

Upon the termination of my XXXX enlistment on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, which is a government debt has been collecting for almost 11 years now. From XX/XX/XXXX to XX/XX/XXXX, this was garnished from my XXXX payments. Prior to this I was make payments. After a year later due to lower income that excepted. TransWorld Systems or TSI, submitted a garnishment of wages at a tune of {$210.00} a paycheck. The garnishment paperwork was sent in XX/XX/XXXX, but not received until after the 30 days due to relocating. New lease started on XX/XX/XXXX. This can be provided. Email from U.S. Postal Service can be provided to show date of change of address. Garnishment commenced on XX/XX/XXXX. I did try to resolve this, with no avail. This debt is over the statue of limitations for a government debt and should be discharged and removed from credit report. 

Thank you
Consumer complaint received 2018-11-15
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: JPMORGAN CHASE & CO. (CA)

I made a complaint below to chase bank credit card services to dispute charges from XXXX and to my dismay I got a call from a chase outsourced facility and a XXXX lady had a heavy accent and not sure if she understand my complaint at all. Chase card is boasting Sapphire customers dont have to worry about unnecessary charges during travel and this is indeed a service charge due to system malfunctioning. 
I made a reservation through XXXX web site from XXXX XXXX to XXXX XXXX XXXX. Once I received confirmation email as per attached doc everything looks correct including my last name in the email body. 
But I was asked to pay extra {$50.00} e since XXXX web site is malfunctioning. To prove my point I reserved seat XXXX from their web site away from toilet and I got a seat close to toilet due to system malfunctioning. I was trying to sit far away from toilet and due to this system malfunction I was sitting close to toilet and had headaches throughout flight since I am allergic to smell and also couldnt sleep well at all during XXXX hour flight and got caught up with flu and had to see doctors. Their flight crew is extremely unfriendly and didnt provide me a seat away from toilet despite fact their system cancelled my original seat reservation due to malfunctioning. XXXX  were not responding to XXXX complaints at all and their XXXX ratings were F
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I called in XX/XX/2018 to argue about the amount of XXXX that was billed to my account. I never received my JC Penney Credit Card through mail. Someone else must have received it and used it in other stores. I called Customer service and i was told they would clear my account. I received another statement this month of a bill of XXXX.
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TN)

I received a Citi Double Cash credit card with a {$1700.00} limit in XX/XX/XXXX. 

I kept it at that limit, but never missed a payment nor was never late with a payment. In XX/XX/XXXX, I made a {$500.00} payment and had a plan of action using the XXXX XXXX method to have the credit card paid off by years end with the goal being to pay off my debt and, in turn, bring up my credit score. 

Immediately after this {$500.00} payment, Citi Bank reduced my credit limit to {$1300.00}, compromising any potential gain in my credit score. When I called and asked to have the original credit limit reinstated on XX/XX/XXXX, both XXXX and XXXX of the Credit Line Management Department told me I signed off on this when I took the card, but I can submit a request to have the original credit limit reinstated. Reinstatement was denied. 

If I had been late with a payment or missed a payment or been a bad consumer in any way, I would let this go. However, I have been caring for two parents with XXXX, the second one recently dying. Im just now getting on my feet to pay off all debt from this juncture in life. I do the right thing in life on every front and a bank is the one that shoots me in the leg? 

Bottom line, I respectfully requested Citi Bank to reinstate my original credit limit, allowing my APPROPRIATE consumer action of paying off the debt and never being late with a payment or missing a payment to be correctly reflected on my credit score. 

However, after explaining the situation and requesting a reinstatement to help repair my credit score ( only low due to XXXX caregiving debt, no late payments ), Citi Bank replied with a no. 

I am now left with a reduced credit score instead of an increased credit score, simply because I tried to do the right thing.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AAA Collections (IA)

AAA collections agency South Dakota has been collecting my money for about 2 years now on a medical bill Ive never had a problem paying until I decided to Change by my banking info, I called back to see why my payments were not going through after about a month. The lady was extreamly upset with me after telling her Im not sure why my payments stopped. I called my bank and the bank said t was on their end. The lady said that I could only do a larger payment plan or pay the amount on full and I told her I couldnt afford either and became upset at that time. She threatend to have sheriffs at my house if she wanted and basically tried telling me without actually telling me that I would be sued no matter what and there wasnt anything I could do and they would win no mater what and take my money from the hearing. I have agreed to the payment plan of the larger sum and she said they would do that. A week later my account became dilenquent and now I have no way to pay because she will not allow the payments to go through. This company used to be pretty helpful when it came to paying off a large chunk of the hospital bills and now that its under a smaller number they are being super aggressive and I dont feel its fair at all and I hope that they take a check that I will be sending in to keep my account from being sent to court because It would lose since the agency and judge are so close.
Consumer complaint received 2018-10-22
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. (MD)

On the following dates a hold was placed on my Citibank credit card without my consent or knowledge : XX/XX/2018 XXXX XXXX XXXX $ XXXX,XX/XX/2018 XXXX XXXX XXXX XXXX {$50.00}, XX/XX/18 XXXX XXXX XXXX {$100.00}. I reached out to XXXX XXXX an was told a hold was placed on the card for incidentals and hold was released on day of departure. However, the holds were still showing on my Citibank account which denied me use of purchasing power. I then reached out to Citibank and asked for an immediate release of said holds, that were on the account for weeks close to a month. Citibank refsued to release said hold, insctructed me to reach out to XXXX XXXX, and stated only XXXX XXXX can release said hold. I again reached out to XXXX XXXX who confirmed in writing Citibank is the one not releasing said hold on the account. 

As the consumer I am caugh in the middle and holding Citibank accountable because once I disputed said charges the hold should have been removed until investigated by Citibank. I filed a similiar claim with the CFPB over a year ago about the same incident and business XXXX XXXX and Citibank.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-21
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. (MI)

My student loan account is reporting late for period I was in forbearance. I have contacted Equifax numerous times to get this issue resolved, finally I had to contact the State of Georgia Attorney General 's office. I got a letter back from Equifax stating my late payment history would be removed, date XX/XX/XXXX ( letter is attached ). I waited over a month to see the information updated on my credit report however it was not. I contacted Equifax in the XX/XX/XXXX and talked to a rep, named XXXX, said he saw the dispute and did not know why it wasn't updated but all he could be is open another investigation. I also informed me that Equifax does have my forbearance letter PROVING my account was in forbearance during the period its reporting late. I just received my results back from that investigation and again Equifax did not correct that error. They only update misc information. I have attached a copy of the results and highlighted that they did not correct the error. I have an letter from Equifax stating this would be updated and admitting it is incorrect information on my credit report. This is a direct violation of the FCRA since they are knowingly reporting incorrect. information after acknowledging that fact.
Consumer complaint received 2018-10-22
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: EQUIFAX, INC. (TX)

I submit these ongoing issues from creditor and credit reporting bureau Equifax. I have requested several times for Equifax to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to XXXX XXXX XXXX. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to Equifax in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.
Consumer complaint received 2018-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

On XX/XX/2018 I sent a question to Navient via their website and have received nothing back in regards to it apart from a automated email saying they would get back to me shortly. In light of this I sent another email on XX/XX/XXXX, and again got an automated reply but no answer. I'm attempting to learn how I can make sure that payments I make are made toward the principal sum of the loan rather than accrued interest ; this information is time sensitive for me.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

I filed complaint number XXXX on XX/XX/2018. I am posting the details from that complaint below. On XX/XX/2018 the company responded indicating that they would honor their original offer. They indicated that I should go to www.balancetransfer.citicards.com and complete the offer there. After several ties I am still unable to take advantage of the promotional balance transfer that Citi originally offered me I have reached out several times to the representative in the executive response team listed in the letter I received to no avail. 

Here are the details of the original complaint : I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XXXX  and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer.
Consumer complaint received 2018-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My student loans are in ferbearance which I understand is navients money making way out to help clients. I understand there is/was a large lawsuit against navient 2017 regardig these exact problems. The forbearance ended in XX/XX/XXXX. I had no notification in any form that this was happening. Therefore ended up getting hit with a 90 days past due on my credit. I then called immediately and brought account up to date. However, it was reported on 89 days it was not 90 days. Navients policy is 90 days. It should have been reported in XX/XX/XXXX and it was reported for sept. It was up to date as of XX/XX/XXXX.

Please help me!!!
Consumer complaint received 2018-10-22
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)

This bill should not have been given to me. This was fraudulent activity that was done, and billed to the incorrect person. When dealing with this before, it was removed several months ago ( {$640.00} ). Now, it is back on my credit report and this is stopping me from closing on a home. This bill does not belong to me. I am very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time. I sent multiple letters, and it was once removed from my credit report. Now, it has reappeared within the last two months. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.
Consumer complaint received 2018-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I did one transfer of {$150.00} through XXXX from my Citibank checking account to my XXXX XXXX checking account. The money left my Citibank account right away but until now I didn't receive my money on my XXXX XXXX account. I've been calling Citibank since than and they've told me twice that they would credit the money in my account but until now nothing. Simply, they disappear with my money and don't want to pay be back, it's been 3 weeks already.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payments XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-21
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. (TX)

I have several accounts listed on my credit report that were not opened by me or authorized to be opened by someone else on behalf of my self. The creditors are XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The amounts in dispute are {$1900.00}, XXXX, {$620.00}, {$3700.00}. These items have been previous disputed as fraud. Some were removed however they reappear under different purchasers. I would like for these items to be throughly investigated with proof showing these accounts were both opened and used by me. If this information can not be proven these items should be removed. Attached you will find a copy of a police report along with the case number filed in XXXX, Texas XXXX XXXX County.
Consumer complaint received 2018-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (OH)

XXXX  XXXX XXXX ( XXXX  ) handles a number of small, private loans through my alma mater that I needed during my time there to get through a couple of semesters. Things have been very difficult for me since I graduated, however, and I am now XXXX, making repayment of these loans nearly impossible. I have applied for, and been granted, economic hardship deferment on these loans since 2013. Unfortunately, the process of being granted the deferment has been terrible. The customer service for XXXX appears to have been outsourced, and their agents only know how to read from scripts for their responses to questions and concerns. I was initially told that the only way they would accept the deferment application was via paper mail. It's a very long application and requires multiple stamps. They then proceeded to tell me that they " lost '' my application, several times, despite the fact that I knew it arrived because I had the Post Office add tracking to the envelope. Then they told me to keep waiting, because maybe it just had not turned up in their mailroom. Another representative then told me that all the others had been wrong, and that I had been waiting and accruing late fees and bad marks on my credit score for no reason, because I could have emailed everything. The entire time, I was receiving harassing letters, emails, and phone calls about these loans because I was unable to make payments, but I was assured by multiple people that I should ignore all of this harassment because it would be removed and wiped away from my account when my application for deferment was processed. 

Even while my loans have successfully been on deferment, after the painstaking process to even apply, I've received multiple letters telling me that I have payments that are past due, letters marked " FINAL NOTICE, '' and even letters threatening to send me to collections agencies if I do not pay the full loan amount, even though my online account shows me that I am still on deferment, and my document inbox on my account shows no record of these harassing letters being sent to me. My attempts to contact them to rectify this issue have been completely useless. All I receive are generic responses taking me around in circles, telling me to talk to other people about the issue. No one seems to be able to help me with it, and if I request to speak to a manager or a supervisor, I'm told I am being connected, and then they hang up on me. Trying to email them or use their support ticket system is worthless, as all they ever do is tell me to call the customer support line. This has been going on for five years and I am reaching the end of my rope. I don't know what to do about this company, and I've tried so hard to do everything the right way and fill out all the paperwork they want me to in order to go through their proper channels. They just refuse to work with me or speak to me as a human being or a customer.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

Three hard inquiries on the same bank in the same week, this I am sure is against the FCRA, I will look into this, this is unacceptable, please remove these duplicates from my Equifax report, I am going through CFPB because when I call to asked they act like its no big deal and further more looks bad for my report so please remove them
Consumer complaint received 2018-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I opened an account with a brokerage firm that turned out to be a total scam. They call themselves XXXX. I used PayPal for the deposits. XXXX apparently uses a company called XXXX to accept the deposits for them. When I requested a withdrawal they told me that they issue withdrawals in the form of refunds back to PayPal. I still havent received any refunds. They always give me some lame excuse and then put the money I requested to withdrawal back into their fraudulent worthless XXXX account and act like I got my money back. Complete fraudsters. So I ask PayPal to return my stolen money since they were used by this fake broker to defraud me. PayPal said Oh, we dont cover this kind of purchase. Okay, so that means that PayPal is knowingly doing business with a fraudulent company and helping them scam people. Pretty pathetic! I just want my money back that these crooks stole from me!
Consumer complaint received 2018-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (AZ)

This was paid by insurance.I never got a bill from them.How can it be reported and sent to collections if I never got a bill for anything.I live in another state and this is from Washington.The amount they are claiming I owe is XXXX.This is wrong.It don't pay to get medical help when your from out of town. You get ripped off.