davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CT)

Was a good standing customer for over 10 yrs with Citbank Mortgage enrolled into their Equity builder program, and refinace in XX/XX/XXXX, Tried to refinace in XX/XX/XXXX. 
My loan office lacked product knowledge : he could never give me a straight answer as to why the underwriting was delayed said he would have to talk to someone and get back which he never did, I always had to call him, when I did n't get a response I contacted his manager who never returned my call either ... .. 
No customer service skills were shown, nor did he pay attention to details. the application was denied without him even knowing until I called him to get a status up date, I made numerous calls to Citi. When I did get thru to him, he had lots of excuses as to why I had n't heard from him ... .email is down, phone 's system not working and out of office for personal time ... then someone else should have been working in his behalf. 
My other complaint is with the Equity builder program. I have an " Amortization '' sheet from XX/XX/XXXX that shows my balance should be at a certain amount by a specific year, when I checked my statement saw the figures from Citi monthly statement were not in agreement I called the company, faxed a copy of my Amortization to their research dept, and still have not heard back from them. 
I am totally disappointed in their customer service or lack of
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

I have been making regular monthly payments since XX/XX/2003. At that time I agreed to pay {$300.00} on student loans obtained thru XXXX at an interest rate of 3.5 %. Sometime in the recent past, the interest has been increased by Navient or XXXX without any notice or consent. As a result the balance of the loan will not be paid in full at the end of the 25 year term. Does Navient have the legal right to raise the interest rate whenever it desires?
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Sterling Infosystems Inc. (IL)

XXXX XXXX has indicated it has finished its investigation, however, they provided a report that is clearly incomplete. I have submitted a second dispute, and believe this company is now in clear violations of the FCRA. My intent is to sue. This company continues to indicated areas where I have never lived in, and reporting on them ; in addition, they have deliberately and intentionally phrased what my former employers have stated. I have evidence to such disregard by statement directly from my former employers.
Consumer complaint received 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Fedloan Help (TX)

In XXXX XXXX I signed up with FedLoan Help as part of the student loan forgiveness program. Each month they withdraw {$310.00} from my bank account. In buying a house I discovered none of the money has been reported and my Loan Servicer is still showing XXXX with my loan in deferment until XXXX XXXX. I can not reach anyone with FedLoan Help to receive documents or talk to anyone about my account. I get a message service that says they will pass on the message and someone will call me back. I called about 3 weeks ago and no one has called. I called 2 times today and still no returned phone call. I spoke with XXXX and they stated my accounts are still with them. I spoke with the XXXX and they show XXXX as my loan servicer. On my bank account there were ACH checks to show the money was with drawn and now there is an electronic Id to show money is being withdrawn.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (WA)

I had a student loan suddenly appear within the last week on my credit reports from 2007 for 'CitiBank/XXXX ' with a current balance listed at {$18000.00} and a highest balance of {$29000.00}. I have tried contacting numbers for both companies provided online but they only will allow me to go to automated machines with no menu option for a customer service representative. I am looking for verification of this debt including the original loan contract/MPN, an itemization of any interest or fees charged to the account and a loan payoff amount so I can settle the debt if it does in fact exist. If this information ca n't be provided I would like these loans removed from my credit report.
Consumer complaint received 2016-08-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

Sallie mae is very sneaky, I thought I had rights that I did not have based on sneaky advertising practices, I was not aware they could collect debt even if I was still in school or collect debt while I was out of work. They would never work with me or set up a resonable payment plan because I was n't a " govt. '' loan. I was very confused about my rights and would have never gotten the loan if I had known I did n't have the rights. Also they sold my loan to a collection agency something I was not aware they could do.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello, I purchased tickets from XXXX directly using my Bank of america Credit card. The ticket fares displayed on the portal were in XXXX currency. When I am reviewing my statement it shows entry related to the ticket fare along with that additional charges related to foreign transaction fee. 
below are details. 

Total cost of ticket XXXX $ and foreign transaction fee of XXXX XXXX 
I spoke to XXXX and they say we dont charge any additional fee and that we have received XXXX from my card company. 
I fail to understand that if the ticket price were dispayed in XXXX by the airline company, I used my XXXX credit card to make the payment why should it attract any foreign transaction fee. 

thanks, XXXX
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I opened a checking account with BOA under an promotion for a {$300.00} credit with a new checking account and qualifying direct deposits in 90 days of opening. I was very careful to fulfill ALL terms of the promotion, but the {$300.00} was not credited to my account. 

Over a period of 3 months, I made numerous attempts in writing and by phone with customer service representatives, but simply got the runaround. I received no response or return communication despite escalation attempts.
Consumer complaint received 2016-04-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.
Consumer complaint received 2016-06-24
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Management Services, LP (NJ)

Capital Management called me today on a credit card matter that I thought was taken care of. It is not on my credit report at all. No where to be found. The person first called me at work which number I have never given to anyone but my loved ones and my daughter 's school. He then called me on my cell and started to threaten me by saying rude remarks about how this needs to get paid no matter what the case and the fact that he would pay a bill unlike me. He got very nasty when I asked for a letter when I have n't received any of them from before. He wanted to email it to me but I have rights to receive a paper in the mail. He degraded me about why I do with my day and why I should be taken care of this before. He offered a settlement and I told him I could n't afford XXXX dollars up front and he said most people can. He does n't know my situation nor tried to help. He kept up with the snarky comments and would n't back down. It was to the point where he would n't let me off the phOne until I paid him which I would not do until I figured this out.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (CA)

On XXXX 2015 we decided to refinance our home so we call our bank they assign me to a sales agent but it was really hard to get a hold of him after a month we call again so they can assign our loan to somebody else they did and the lady sent us an estimate of how much our interest was going to change we agree and they charge my account for the application fee, appraisal and record but they never ask me anything they just told me that it was pretty much approved that everything look good that they needed to send to underwriting for approval they charge my account almost {$900.00} after 2 weeks they call me and told me that they denied my case because a part of my house was modified and that the money was n't reimburse I told the mgr why did n't they told me before they charge my account the requirements to approve a loan they never ask me this questions and they are some lenders that they do accept this if I would know I would n't done it and she told me well we ASSUME that there is no problem with the house and if we ask this questions the process is going to be longer. They need to be more professional by asking questions and letting the customer know that if something goes wrong they are going to lose the money by the way the mgr is really rude!!!!
Consumer complaint received 2017-01-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I disputed this debt which appeared on all 3 of my credit reports. On XX/XX/XXXX, and on XX/XX/XXXX, asking portfolio recovery to provide me with any viable proof of evidence with my signature I owe this debt. I pulled my credit report and still there was no comment regarding consumer disputing which is required by law. Portfolio deleted the trade line from XXXX, but not on XXXX, nor XXXX. Just recently, portfolio recovery updated the account as an Open collection on XX/XX/XXXX, for XXXX dollars. Portfolio recovery has continued to perform non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Also Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OR)

i have had bank fraud on my buis. acct. multiple times and chase has all ways replaced my debit card, and never closed my account and opened a new one. i have had several new cards after fraudulent charges. i have reported fraudulent charges and chase has reversed charges, then reversed them out of my acct. i was in a car accident in 2013 .suffering from XXXX issues and not keeping up with my banking. my debit card and account numbers have been used to make charges with out my knowledge or permission ... i do not know if someone stole my mail or i have had my card skimmed and been robbed. chase will not return my funds. i have done lots of research my self and contacted the merchants via phone and thay said thay will return funds .but chase will not request it to happen.. some have returned funds and chase sent it bank as lagitatemant charges. bank reps in fraud department have told me thay can go back, if charges are recurring within 60 days of each other as far back till date thay started .. i have spoke in person with management in different branches, and not one, has closed my account, or suggested it to stop fraudulent charges ... and the fraud keepy happening. the fraud department did not do there job. i have filed a report with global investigation n security .protection unit with chase ... case # XXXX and still chase will not reverse charges. now account is closed and my company is closed due to being broke, because of the fraud .. I have reported it with XXXX police officer XXXX XXXX case # XXXX ... bank said thay will not and are not going to help to return funds ... seams like thay are as much a thief as the real thiefs are .. why would someone do banking with chase if thay do not protect or keep you safe from fraud .. next thay will not replace funds if thay get robbed and you lose you whole lifes savings .. cant trust chase ... if i had my money in my pocket its my responesibilaty.my money was in chase bank and thay should be held accountable for the fruad ...
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

With no notice or reason given, I have been locked out of my Coinbase account. I changed my password to the account and everything seemed fine. I went to login and was directed to a page titled " Account Disabled '' and a message that said to send photo of ID and proof of address, which I sent to support email as prompted, and have only received auto-replies directing me to trouble shooting page since. The support page give no details on disabled accounts or what to do. I submitted a complaint on the support page as well and still only received auto-replies. It has been well over 72 hours since my account was disabled and Coinbase have provided me with no information on my case, what I can do to resolve the case or even why the account was disabled in the first place. This restriction already prevented me from a planned purchase of Ethereum, which I had planned to purchase at {$160.00}. Ethereum is now trading at {$230.00}. In addition I am further prevented from securing my Bitcoin to cold storage before the XXXX XXXX fork.
Consumer complaint received 2016-04-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NC)

Have had routine issues with a paypal account with attached line of credit. Customer service is impossible to contact. Account has been closed and reopened without my authorization. History of unauthorized transactions on the account. I want all my paypal accounts closed, future account openings with my social security number block from their systems and all disputed transactions credited in my favor.
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CA)

I have a Walmart Credit Card. My balance was near the limit and I have been making the payments consisting for the past two years. Just now I have been attempting to improve my credit score and I made a large payment and now after Walmart Credit has decided to review my account and reduced my credit limit which is now going to hurt my credit score instead of improving. Never mind the fact that I have made every payment on time and now that they see I am attempting to reduce the balance which help my credit rating they decide to take action after I made a substantial monthly payment. I seriously questioned the timing and they can use whatever excuse they want but they are wrong. Now my credit score is going to go down. Consumers need to know how Walmart Credit operates. They do n't base on you being a loyal customer who pays their monthly payments on time they decided to do a credit check after they received my payment on XXXX XXXX. I do n't buy it because they know I am attempting to reduced my balance and I will keep doing it until this account is closed. Done with XXXX company.
Consumer complaint received 2016-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NY)

ON XX/XX/XXXXI SIGNED DOCUMENTS WITH NATIONAL CITY FOR A PIGGYBACK OR SECOND MORTGAGE TO PURCHASE MY FIRST ANY ONLY HOME.I WAS LATER INFORMED BY NATIONAL CITY THAT PNC BANK HAS MY MORTGAGE, I CONTINUE TO MAKE MY MONTHLY PAYMENTS TO PNC BANK WITHOUT ANY MONTHLY STATEMENT. I LATER RECEIVED A CALL FROM PNC BANK INFORMING ME THAT THEY WILL SEND ME MONTHLY STATEMENTS WHICH I RECEIVED.IN XX/XX/XXXX, I PAID OFF ALL LATE CHARGES AND PAYMENT DUE FOR THAT MONTH. I RECEIVED A PAYMENT BOOKLET IN THE MAIL AT WHICH TIME I CONTACTED PNC BANK AND ASKED WHY WAS I NOT RECEIVING ANY MORE MONTHLY STATEMENT. I WAS TOLD I HAD MADE PAYMENTS BEFORE SCHEDULED DATE BUT I WILL BE MAILED MONTHLY STATEMENTS AS I REQUESTED. THE WOMAN I SPOKE TO KEPT REFERRING TO THE MORTGAGE AS A HOME EQUITY LOAN ; I EXPLAIN TO HER THIS IS A SECOND MORTGAGE OR PIGGYBACK MORTGAGE THAT WAS GIVEN TO BE ALONG WITH ANOTHER MORTGAGE. ON XXXX XXXX ; I RECEIVED A STATEMENT IN THE MAIL. PMT AMT DUE {$31000.00}. LATE CHARGE {$3100.00}. PREV. LATE CRG {$260.00}. TOTAL AMT DUE {$35000.00} DUE XX/XX/XXXX.THE PAYMENT BOOKLET I RECEIVED EARLIER HAD PRINCIPAL BALANCE OF {$31000.00}. I CALLED PNC BANK AND WAS TOLD THAT MY MORTGAGE HAD MATURE AND I AM EXPECTED TO MAKE THE BALOON PAYMENT OF FULL PAYMENT.I ASKED WHY I WAS NOT INFORMED BY PNC BANK BY EMAIL OR MAIL OR WHEN I HAD CALLED ABOUT THE BOOKLET I RECEIVED IN THE MAIL? I WAS NOT GIVEN AN ANSWER OR EXPLANATION.WHEN I ASKED IF THE INTEREST RATE WAS FIXED OR VARIABLE I WAS NOT GIVEN AN ANSWER. I HAVE MY OTHER MORTGAGE WITH XXXX BANK I RECEIVE MAIL INFORMING ME OF CHANGES I MY MORTGAGE PAYMENT. WHY IS NOT PNC BANKING DOING THE SAME?. I HAVE BEEN MAKING PAYMENT ON THIS MORTGAGE FOR THE PAST 15 YEARS I DID NOT OWN A HOME WHEN I TOOK THIS MORTGAGE WITH NATIONAL CITY ; HOW COULD THIS BE A HOME EQUITY LOAN? I AM REQUESTING HELP BECAUSE THIS DOES NOT APPEAR RIGHT OR LEGAL. WHEN I WAS PURCHASING MY HOME I WAS VERY EAGER TO OWN MY FIRST HOME AND DID NOT PAY ATTENTION TO THE FINE PRINTS AND WAS NEVER INFORMED BY PNC BANK OVER THE YEARS OR AT ANY TIME THAT MY MORTGAGE HAD A MATURITY DATE. I NEED HELP PLEASE.
Consumer complaint received 2016-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc. (CA)

RE : Original Creditor : XXXX XXXX XXXX XXXX AT THE TIME I TURNED IN MY KEYS FOR THE APT I WAS RENTING, I WAS NOT TOLD NOR GIVEN ANY NOTICE OF ANY MONIES THAT WAS SUPPOSEDLY OWED. I NEVER RECEIVED ANY SUCH NOTICE EITHER. I LEFT A FORWARDED MAILING ADDRESS AND NEVER RECEIVED A BILL. IT WAS N'T UNTIL I CHECKED MY CREDIT REPORT SOME MONTHS BACK THAT I SAW THE ACCOUNT WAS IN COLLECTIONS OVER A YEAR AFTER I MOVED OUT. 

THIS ACCOUNT IN MY CREDIT FILE HAS SINCE BEEN DELETED FROM XXXX XXXX.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have several accounts that are NOT mine reporting to Experian. In addition my name is not correct with Experian either. I 've sent documentation proving my identity several times over the past 5 months and Experian is not complying with my demand to remove this erroneous information from my credit profile. This mis-reporting information is causing me much grief and frustration. Clearly I am NOT XXXX XXXX as they are reporting me as. On XXXX XXXX & again on XXXX XXXX I sent letters of dispute with all Identification documentation provided. There are several delinquent student loan accounts reporting falsely in my credit profile. I have confirmed with the Dept of Ed several times and they are in agreement these accounts are not mine. These accounts were deleted from my profile with XXXX and XXXX properly already. Experian is now the last credit bureau not in compliance.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX, I opted out of receiving unsolicited credit card offers by calling the number provided by Federal Trade Commission. Today, XXXX, I received an unsolicited credit offer from Capital One XXXX Rewards, XXXX XXXX XXXX, XXXX Virginia XXXX. Capital One has violated another opt out I placed a decade ago. It 's marketing is aggressive, unrelenting, and misleading.
Consumer complaint received 2016-04-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CT)

My credit report split into XXXX reports because it was too large and was supposed to be made into XXXX report again. I just got a copy of my report and there are a significant number of accounts and inquiries that should be appearing on the report that are still missing. Additionally, information for some accounts is not feeding in properly, not showing updated for months when it has been updated, I believe because it is feeding into the XXXX report.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

CITI surreptitiously increased my interest rate in XXXX from 15 % to 29 % and never told me about it. When I found out about it online 7 months later, they stalled when I asked for information and finally lied about whether I could close my account. After stalling initially and denying that my interest rate was a default rate, they finally admitted it was but would not advise of the default. When I reviewed every statement of mine since the rate increase, I found absolutely no delinquency. I told them I wanted to close my account. Citi said I would lose over XXXX miles on XXXX XXXX if I did. I called XXXX the next day, and the woman at XXXX informed be that Citi was wrong and " that they tell everybody that. '' Extraordinarily infuriating.