davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
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: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I called the Citi Travel Desk ( XXXX ) in order to make a booking using the Citi 4th Night free benefit and my corporate XXXX member code. This is not doable online, unfortunately, so I had to call in to make the  reservation. I was marking a reservation at the XXXX XXXX XXXX  XXXX, XXXX Downtown, from Sunday, XX/XX/XXXX through Thursday, XX/XX/XXXX ( 4 nights ). The travel concierge put me on hold to call XXXX and make the booking, but we were disconnected during this process. The concierge did not attempt to call me back, and I did not authorize a charge or total amount. I did not receive a confirmation email from either Citi Travel Center or XXXX. 

On XX/XX/XXXX, I called the Citi Travel Desk again. I told the agent that I had been disconnected on a previous attempt making this reservation, and asked them to check and confirm that it had not been successfully made. They indicated that there was no record of the reservation, and I should proceed to make a new one. I received an email indicating that this reservation had been made, for a total of {$550.00} before the 4th Night Credit. This reservation was a refundable corporate reservation, for the same property and same dates as noted above. 

On XX/XX/XXXX, I opened my XXXX account to print out my reservation details prior to my trip. I was surprised to find two different reservations for the same property in my name. One was the expected reservation under my corporate code, and another was a non-refundable booking made at the normal daily rate, for a total of {$590.00}. I checked my credit card statement, and saw the charge from XX/XX/XXXX for this amount. 

I called the Citi Travel Desk to figure out what had happened. They indicated that they had no record of the nonrefundable reservation having been made, and no reference to it in their system. They attempted to contact XXXX to obtain additional details ; XXXX indicated that the travel agent number and email addresses matched XXXX 's contact information. XXXX indicated to me that because they had no record of this reservation, it would not be eligible for the 4th night credit no matter what course of action I took. 

Seeing as I had not authorized the charge at any rate other than the corporate rate I was trying to book, that XXXX had incorrectly directed me to make a second reservation, and that even if I kept it, it would not be eligible for the 4th night free benefit, I proceeded to contest this charge.

After disputing, Citi resolved the claim in favor of themselves, indicating that even though I had not authorized the charge by Citi Travel Center and the Citi Travel Center actually *lost* the booking, it was a non-refundable charge and thus I am liable.
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery (WY)

I was incarcerated and unable to pay my student loan and it went into default.I am trying to contact the collection agency that holds the loan.The company is XXXX XXXX XXXX XXXX. I have made numerous attempts to call them. I have sent email. They do not reply to my messages. I am working with XXXX  at XXXX XXXX and my adviser has also tried to contact them. I contacted Federal Student Aid and they can only give me a phone number that sends me to voicemail where I leave a message. Again, no one will call back. 
I started trying to contact them in XX/XX/XXXX and have made numerous calls each week ; too many to count. I need to resolve this and get my student loans out of default. I want to go back to school and this is keeping me from moving forward with my education. I appreciate any help you can give me.
Consumer complaint received 2018-03-16
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: SUNTRUST BANKS, INC. (FL)

SOMEONE tried to open a credit card at XXXX XXXX a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with Suntrust bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

I called XXXX XXXX insurance to inform them that I obtained a new insurance company and for them to cancel my policy. I gave them the dates which overlapped with my new coverage of XX/XX/17. My policy with the new company began on XX/XX/2017. I bought my house and combined my auto with house insurance. The next month they sent me a bill and I called them and they said to disregard as they see when I called in, then continued to send me bills emails and voice messages that my bill was past due and the amount kept growing as I constantly called and disputed and complained that I no longer had a policy with them but they kept arguing with me that I did every time I called. I called and called and called but they would not stop calling and sending emails I finally blocked their emails. Now I have received a collection notice in the mail for {$460.00}. I called them again and they told me that I did not return some email that was sent to me that needed to be responded to for termination of coverage!! I then told them that I never received such an email and if it was needed for them to now send it to me. The representative said they would send it but never did and now I am being harassed and pursued to pay this " false debt '' for terminated services. I have gone through this with XXXX XXXX before and refused to pay and they then put it on my credit report when I began to look for a mortgage so that I would have to pay it. I then had no choice but to pay them so that I could go forward with obtaining a mortgage to buy my house. this is not right and injust tactics to force me to pay for services I DID NOT RECEIVE AND CANCELLED.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX cards ( specifically reward cards ) uses an archaic payment system which will not allow you to schedule automatic payments out past the current billing cycle. The system is set up that way because many people forget to log on each month causing a large late payment fee, typically over {$38.00}. During Hurricane Irma we were a bit discombobulated and I forgot to log on. In the meantime they hit us with late charges and would not ever consider accommodating the circumstance. I have not paid card in full and will no longer do business with a company that is set up to hit consumers with late fees when their system is not even up to date with the industry. Other consumers need to be aware of what they are getting in to.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My capital one card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, TransUnion, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
Consumer complaint received 2018-02-27
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: Experian Information Solutions Inc. (CA)

Experian Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, XXXX, & Experian have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

All my hard inquiries on my credit report with no permission from me .i tried to dispute all of them and the results was all my hard inquiries was closed but, still appear on my credit report.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MA)

I am filing because I am very unhappy with the way that Quicken Loans continues to mishandle my escrow account. I purchased one unit in a three unit condominium complex last XX/XX/XXXX in XXXX, MA. QL took from my escrow account and paid the taxes for all 3 units. XXXX will not break the tax bill into 3 individual parcels until the beginning of the fiscal year ( XX/XX/2018 ). 
The XXXX Treasury Department informed me that the appropriate procedure is for the loan provider to look at the Master Deed Agreement ( in my closing docs ) and only pay my portion of the tax bill which is 28.6 %. The city of XXXX does not take action on the entire parcel if other units do not pay the bill. 
Instead, QL took {$2900.00} from my escrow account and my portion of the tax bill should have been {$790.00}. I was also told that for the XXXX  tax bill, if my neighbors are slow to pay, QL will take money from my escrow to pay my neighbors taxes again since they must pay the taxes on the parcel associated with the unit. I am sure you will agree that this is outrageous. 
I have been working with XXXX XXXX at QL. She told me that she had investigated and QL did everything correctly. She told me it was only QL responsibility to pay whatever they pulled from the city as a tax bill on that combined parcel. Although the tax bill was significantly higher than planned in escrow, it was not QL responsibility to contact me prior to paying. This entire situation could have been avoided with one phone call. 
I am asking QL first and foremost not be allowed to create this problem again by taking my money and paying the entire tax bill for XXXX. I I am also asking QL to refund {$2100.00} to my escrow account and take my property out of escrow and recoup the money from the city or the other unit owners. QL will not lift a finger to help me recoup the money they took from my account. QL receives the benefit from interest free escrow, they should also shoulder the risk & responsibility and recoup, not solve their problem by stealing from customers escrow accounts. 
I am in discussions with my neighbors to try to get them to pay me instead of the city for their portion of the taxes. Hopefully we will be able to work it out and I will provide the money to QL to put back in escrow. However, Quicken needs to stop this practice and should not be allowed to take more than my share of taxes from my escrow account for next quarter. It looks to me as they intend to repeat the same problem. 
I have asked QL to stop handling my escrow. I am not required to escrow as my credit score is excellent and the down payment was almost 40 %. They have also refused and said I need to wait until the loan has been in place for 24 months. Incidentally, this is the second time that Quicken took money from my escrow to pay the wrong bill, but they did agree to refund in the first incident.
Consumer complaint received 2018-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I am good on my payment history with Wellsfargo, I have not been late for past 24 months. The FHA loan and HUD discriminates against the lender, and Wells Fargo according to HUD can at their own discression remove the Morgage insurance after 5 years without waiting for 78 % threshold. At the time of requesting a FHA Morgatge insurance removal, the HUD act discriminates because it allows for " the Bank '' to request an apprasial to insure the house has not devalued, but HUD does not allow for the Lender to demonstate the house value is increased. This is percieved one sided. In my case a near 100 % increase in the house value has occured due to renovations and investment into the house. This is something for our local government legislation member to be aware of too. I have paid the mortgage timley, and FHA allows for lenders at their own discression to remove the FHA Morgage insurance premium too after 5 years. That time has passed for me. The bank Wells Fargo is not customer-centric and not servicing the customer, by deliberatly ignoring the value of the house and facts, hiding behind the HUD guidelines of a fraudulant market value of {$510000.00}, compared with bak apprased value of {$930000.00} we hold, from third party government certified appraiser. Upon communication to the bank, their own licenced apprasiers have valued the house at over {>= $1,000,000} the banks response is " we dont have to fator the value in '', only the under valued value at the time of purchase. This is disregard for truth of real value and facts of values of the house. When truth is absent so is justice. Grossley undervaluing the house, a value non representive of their own independent government licenced appraises, in other words, the bank dont care for customers. This goes against marketing slogans of the bank " How Can we Help You Achieve your goals '' on their web site. " How can we help pay student debt ''. A bank giving marketing statement misrepresentations of what they actually do for their customers. Hiding behind legislation, the HUD site says the bank can remove the mortgage insurance " at lending instutions discression ''. When asked about that, The bank offers no comment on that part or refrence of the HUD web site. One sided again. Ethics of the bank need to be brought into spotlight in XXXX, thanks to Trump, its whistelblowing season. My loan additionally is a XXXX FHA too. Granting more flexibility in rules than later years FHA loans.
Consumer complaint received 2018-03-15
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. (UT)

I have been trying to pay down my student loan debt however, I believe my payments are being misapplied and more interest and fees are being charged than should be. Last year, I paid an extra {$16000.00} on top of my regular monthly payment, however my XXXX from Navient stated that I paid {$17000.00} in interest for the year, which is a {$3300.00} increase over the previous year of {$14000.00}. When I inquired about the difference, I was told that I paid {$13000.00} in accrued interest, {$3100.00} in capitalized interest, and {$900.00} in origination fees. If I paid that much extra, I do not understand why/how I paid any capitalized interest? Navient claims that all payments go to pay interest first. I do not believe that an EXTRA {$16000.00} didn't pay the outstanding interest. I also do not understand why there is any origination fees. Origination fees are charged at the beginning of a loan to cover the cost to process the loan. Why, 8 years later, am I still being charged an origination fee? The other issue I have is with 2 extra payments I've made recently. I scheduled a payment of {$4000.00} to post on XX/XX/18. I have a confirmation and screenshot from Navient confirming the payment was to be made on XX/XX/18. However, the payment was not posted to my account until XX/XX/18. It was one day later than I requested, but Navient still listed it on their website as being paid on XX/XX/18. The same thing happened on an payment of {$5400.00} that I scheduled for XX/XX/18. The amount did not post until XX/XX/18, but they listed it as being paid XX/XX/18. My monthly payment is automatically deducted from my account, and Navient doesn't seem to have a problem posting it on the correct date. I realize this is one day 's interest, however with how this company has dealt with my account, one day 's interest means a lot. I'm sure this has occurred on previous extra payments as well, but I just caught on to this issue. I am trying to be responsible and pay off my debt, but I feel that Navient is making it impossible and punishing me for doing so at every turn.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that XXXX has deleted as inaccurate ( see enclosed document ) : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX BK IND CH-XXXX  ( XXXX not reporting ) delete
Consumer complaint received 2019-03-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sherloq Group, Inc (NC)

I'm a XXXX patient and am getting daily calls from this debt collector for medical bills. I explained to them that I'm still unable to work, am not collecting XXXX and have no income at this time. 

I also told them that I was willing to honor the debt as soon as I get well and back to work. 

I get a call from this company every day even through I have blocked their number on my phone they leave a message EVERY DAY.