davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

I took out Stafford Subsidized, Stafford Unsubsidized and XXXX PLUS loans in spring XX/XX/XXXX to pay for my XXXX XXXX degree at the XXXX XXXX XXXX XXXX, University XXXX XXXX. I 'm an American citizen who has established residency here in the XXXX. I began paying the loans off in XX/XX/XXXX to XXXX XXXX.I called each month to make my loan payment as I use a debit card attached to my XXXX bank account. My loans were transferred to Navient and I carried on calling each month to make payments from my XXXX bank account. I have never been late to pay my loan and there have never been any issues paying with a XXXX debit card. I called Navient on XX/XX/XXXX to pay my XX/XX/XXXX bill and my payment was declined. I verified with my XXXX bank XXXX on XX/XX/XXXX that they had n't declined the payment due to fraud. This was confirmed and I called Navient on XX/XX/XXXX to try to pay my bill again. After speaking with three different customer service representatives and being on hold for close to 50 minutes, I was told that changes to their systems to prevent customers from paying with credit cards was impacting on my payment being processed. I provided the name of the bank and bank account attached to my debit card. This worked and I received a payment confirmation via email. I also received email confirmation that payment had posted on XX/XX/XXXX. Checking my XXXX bank account, the {$500.00} payment had not left my account between XX/XX/XXXX and XX/XX/XXXX. Upon logging into my Navient account online XX/XX/XXXX, it listed that my payment was outstanding. I called Navient on the evening of XX/XX/XXXX and was told that I 'd been sent a message explaining that the payment had been reversed. I never received a message to my email account or Navient message center when I logged into my account online. I was told that Navient would no longer accept debit payments from non-U.S. bank accounts. This was the first time that I was given this information. I never received anything in writing and have not found any information about this change published on their website. I do not use a U.S. bank account as I 'm in full-time employment in the XXXX XXXX. I have been told that the ways to pay going forward will have to be by international money order in U.S. currency drawn on a U.S. Bank, payment made from a U.S. currency account, SWIFT or wire transfer ( which have associated fees ), XXXX XXXX money order ( which also have associated fees ), and internal money transfers that pays out in U.S. currency. Their website does n't specify that non-U.S. debit cards will no longer be accepted. I 've been a told a fax from my UK bank account confirming that my debit card is indeed a debit card and not a credit card may suffice, but I keep getting conflicting information it appears that their systems do n't recognise my XXXX debit card as a debit card as it 's not attached to a U.S. bank  account.
Consumer complaint received 2018-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (SC)

On XX/XX/XXXX, I paid my loan off in full over the phone with my debit card to the online loan company, Big Picture Loans. The amount debited my account successfully and no refunds of the amount were ever made back to my account. Then, on XX/XX/XXXX, I began receiving phone calls and texts from Big Picture Loans stating that the amount was never debited and that the amount had actually been credited back by the lender. In an attempt to resolve this, I contacted Big Picture Loans and asked the representative to initiate a 3-way call to my bank to verify that the amount had in fact been debited. This occurred on XX/XX/XXXX and the XXXX XXXX XXXX representative was able to successfully verify that the amount owed to Big Picture Loans had been successfully debited on XX/XX/XXXX and that no refunds in that amount had been processed back to my account between the dates of XX/XX/XXXX and XX/XX/XXXX, from any entity. The representative refused to believe that this information was accurate but stated that they would look into the matter further. Since then, the company has attempted to contact me multiple times via telephone and text in an attempt to collect the amount that they say is owed, despite having evidence that no debt exists, per XXXX XXXX XXXX. I repeatedly asked the representative to send me this information in writing but was ignored.
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I am currently unemployed and sought to ask for Lowering of my students Loans. Incidentally XXXX ( Navient ) gave my 6 different students Loans each with with Higher Interest Rates to the tune of 15 %, 12 % and 11 %. Navient has categorically refused to Consolidate my six different Loans over the years and thus has proceeded to deny me any chance of lowering my student debt. My students are Private student Loans and Navient has over the years refused to enroll me in any program and subsequently led me to file for Bankruptcy Chapter XXXX last year ; with only student Loans as my only Debtors. The Judge in the Bankruptcy case advised me to drop the Bankruptcy case since my debtors were mainly only Navient and I dropped it. I then asked Navient for a lowering of my monthly payment since I am unemployed and they refused. They rather kept calling my home and threatening me and after further threatening me to report late payments to my the Credit Bureaus ( which incidentally will adversely affect my ability to procure a Job ) ; I borrowed money to pay them last month and this month the whole scenario begins again. I need HELP to let me pay the amount I can afford to Navient before they destroy my credit history. I want to be in a program that will prevent adverse reports on my credit reports. My Account Number for Navient is XXXX. Loan Group Number : XXXX. Loan ID - XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2018-05-01
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. (VA)

XXXX XXXX  has sent me multiple notifications that I have been denied an XXXX XXXX XXXX card. I have never applied for such a card, and have no intentions of doing so. I've previously contacted XXXX directly to let them know that an application for this exact card was fraudulent, and they issued information to Equifax to correct my credit report, but it has happened again. They should have taken steps by this time to prevent the error from being repeated, but yet again I have to resolve the issue rather than them preventing fraudulent credit applications in my name which seem to only ever occur for this particular card with this particular company. I'm sick of this XXXX. 

XXXX reference number XXXX
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

And Saturday, XX/XX/2018 I called Chase bank to increase my daily allowed cash withdrawl via an ATM so I may withdraw {$660.00} for that day only. I went to the ATM machine owned by Chase bank in front of XXXX XXXX on XXXX XXXX in XXXX Michigan. I attempted to withdraw {$660.00}. The machine only gave me {$40.00} ( 2- {$20.00} bills ) I saw the machine had only given me two bills so as I withdrew the two bills from the machine I held it up to the machines camera. As I was still at the machine, I called Chase bank. I explained the issue. The escalation department stated that I would have the money back in my bank account within 12 hours. After 12 hours, I did not have the funds in my account. I called Chase bank again and was told that the funds would be in my bank within the hour. I called back the next morning and was told that I would not have the money until Tuesday as the transaction had to go through and not be in the pended state. I received a call on Tuesday, XX/XX/XXXX and was told that the bank had sent a team out to reconcile the machine. The representative from Chase bank informed me there was no issue with the machine and I would not be getting my {$620.00}. I explained to the manager of Chase Bank on the phone that I had held up the money I received and ask them to pull the camera from the ATM. On Wednesday, XX/XX/XXXX I went to the chase bank in XXXX Michigan. I was told by that branch manager that I needed to file a police report and get a subpoena in order to have them pull that camera. When I spoke with a police officer to file a report, he stated that it was not a criminal matter, but instead a civil matter and there was nothing he could do. I asked him to call the branch manager with whom I spoke at chase bank in XXXX Michigan. The police off they said there was nothing more he could do for me.
Consumer complaint received 2018-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (PA)

I was hit by another driver and my vehicle was deemed a total loss. This occured on XX/XX/18. XXXX has been ready to send a check to Chase for XXXX toward the loan but Chase has not reached out and is causing me to make higher interest payments on a loan that should not be this high. I have called them multiple times, as did XXXX to get this resolved but they have not cooperated.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (TN)

I sold my property in XXXXXXXX XXXX XXXX My mortgage was with Chase Bank. I'm still waiting on my escrow refund of just over {$1000.00}. I have reached out to Chase about the situation several times. No matter how many times I give them my new address they keep sending it to my previous address. The check keeps getting returned. Everytime I call Chase I am assured that they have made the proper corrections and will reissue the check. It has been six months now and it is very frustrating to say the least. I don't know what else to do to resolve this matter. I'm hoping you can help me resolve this matter
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I wish to update my account information on all 3 credit reports to login i have ordered reports and will send back in written with updated information such as my entire name to match all 3 reports with my only name. Now i am notifying online with my current information that includes new phone line and email address
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

Hello there, I found two hard inquiries ran by " XXXX  '' on XX/XX/2018, and another one called " SYNCHRONY '' on XX/XX/2018. The one that states " XXXX  '' is legit but " SYNCHRONY '' came out of nowhere and I am unable to dispute this issue.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (TX)

I went to Frontier airlines website to get a flight ticket for my family vacation. I was shown the advertisement for Frontier credit card offered by Barclays bank and an offer of XXXX points if i purchase for {$1000.00} in next 90 days. I applied and got approved. When I went to the check out I was show an advertisement for the same credit card with a {$200.00} credit at check out. I wanted that offer and I was trying to find a way to use the newly approved card at checkout because using it for the upcoming vacation was the primary purpose of applying for this credit card and having a hard pull on my credit. when I tried to use the {$200.00} credit offer at check out I got a message after filling the form again saying i applied for the card in the last 30 days. I couldnt find anyway to use the newly issued card to buy the vacation tickets so I called the bank and the response from the bank was super unhelpful. The credit card advertisement felt very deciving as i couldnt get the statement credit offer since i did not apply at check out instead applied XXXX minutes before reaching check out and I couldnt use the card becuase of some security rule which says I can only use the card after getting a copy of the physical card in my hand. This is XXXX century and this felt very predatory and a UDAP violation and an unfair banking practice when they treat customers who coem to the frontier website in unbelievably different ways where some of the approved customers can immediately use the ocard for a ticket purchasing transactions while some other customers have to wait XXXX days to receive the physical card to make the same transaction. They are using fine prints to drown these important information and this is a clear UDAP violation. I want CFPB to look at this issue with the required seriousness since this caused major harm to myself as a credit card customer as i got hit by a hard credit pull and I am unable to use the card for the intent i applied it for.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITICARDS CBNA XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc (VA)

Affirm does not disclose in their credit reporting criteria and terms of service that they report as a Consumer Finance Account. This account type alone is a huge derogatory mark on anyones credit report even if the loan is paid as agreed and is in good standing. After a loan in good standing is closed, it can remain as a derogatory mark for as long as 10 years. I want these reports removed from my credit profile due to presenting as an installment loan and reporting as a consumer finance account instead. This has negatively affected my credit score and profile.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

My complaint is the disclosure of the rules regarding tier points for the XXXX XXXX XXXX XXXX  Card. As I have learned only after receiving and using the card for a few months there is a difference between the Plus card and the Premiere card. I only learned of this after the first two billing cycles. Before 2 days ago I did not know there were two different cards. I carefully read through the rules and regulations that were publicly disclosed when I applied for the card and did so with the understanding that tier points would apply towards XXXX A-List status. Only when the tier points for the XXXX18 billing cycle were not credited towards my A-list status did I inquire. Then and only then did I learn of the existence of a second card, the so-called Premiere.

When I called to find a solution to this problem I was told that Chase would do nothing to help. Yes I was willing to pay the {$30.00} difference. At that point to me a line was crossed from an onerous and confusing disclosure on the part of Chase to that being a deceptive business practice. I escalated the complaint in writing, cc-ing XXXX XXXX XXXX of XXXX XXXX, their cohort in this wrongful deception.

I received a form letter from Chase that they would do nothing to help. Neither has XXXX responded aside from a postcard and a complaint number, XXXX.
Consumer complaint received 2018-12-14
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 have contacted Equifax by mail on XX/XX/2018 and XX/XX/2018. I requested verifiable proof of the original signed consumer contract bearing my signature to verify that the information is mine and also correct. Instead, Equifax opened up disputes each time in which I did not request and stated that the accounts were updated and verified. I also requested to know who and how were the accounts verified in which I received no response. When I contacted Equifax via phone I was told that I could find the information of the creditor on my credit report and to contact them myself.
Consumer complaint received 2018-12-14
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX.
Consumer complaint received 2018-12-13
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. (MO)

I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the XXXX. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

I do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXXand XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXX to notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (PA)

XX/XX/2018 I made a loan on XXXX XXXX XXXX and did read the hole loan details for 700 buck I read it today and it said It was over 700 % interest
Consumer complaint received 2018-03-31
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. (NY)

I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX  XXXX account ending XXXX, XXXX  XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Consumer complaint received 2018-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WI)

The business name is Coinbase, they proclaim themselves as financial services company. Coinbase is a trading platform for digital currency. OnXX/XX/XXXX I have opened an account at Coinbase, that process included identity check by faxing over my driver 's license and a picture of me. On XX/XX/XXXX I have purchased {$7000.00} worth of digital currency on Coinbase in the intent to sell it once it gains value. This company says on their site that they will not grant an access to the account if a person tries to log in to it from a restricted country ( XXXX ), however the access will be granted as soon as the person tries to log in to the account from non sanctioned country. On XX/XX/XXXX I was in transition in XXXX  ( XXXX ) airport and had an emergency happen, so I tried to look at my account at Coinbase to see how much money I could withdraw from it once I'm back on US soil. Understandably I was not able to log into the account because I was on sanctioned by the US politicians land. On XX/XX/XXXX I came back to the US and wanted to sell my assets from the Coinbase, however my account was locked. I called Coinbase about the problem and they told me to send an email to their support to unlock my account. I sent an email right away telling them to unlock my account. Im writing this email on XX/XX/XXXX and still response from Coinbase support. I call them every day for the past two weeks and their response that I need to send an email. The assets in my account have decreased by 70 % due to this fraudulent business.

First, my account shouldn't have been locked based on the information provided from Coinbase.

Second, I did not receive any response about my concern.

Third, the assets that I needed to sell onXX/XX/XXXX have decreased by 70 % which is a great financial burden on me and my family.

Fourth, there is no one at Coinbase wants to help me, I'm just stuck.

please investigate this fraudulent business and turn it in to the authorities so that there aren't others who get scammed by it.

Thank you, you may reach me at XXXX XXXX