davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I submitted a request for an Income Based Repayment ( IBR ) plan to Navient in XXXX of XXXX. I was assured that the request was received and that my new payment amount would be {$0.00} per month. When I checked my account in XXXX of XXXX I was surprised to see that I had been charged at the regular monthly rate since XXXX XXXX and I had accrued late fees for the past 6 months. I immediately called Navient and was told that the IBR was received in XXXX of XXXX but was never applied to my account. They did n't know why. They then asked me to resubmit another IBR request and again assured me that it had been received and applied. In XXXX of XXXX I checked my credit report to find that my credit score had dropped considerably due solely to Navient 's incorrect reporting of 6 months of missed payments on my student loan accounts between XXXX XXXX and XXXX XXXX. I called Navient to have them remove the fees which they agreed to do. The account was brought current and I had a XXXX balance. Today is XXXX XXXX and I just checked my Navient account because the missed payments are still showing up on my credit report and affecting my credit score greatly. Navient now states that I owe {$270.00} for my student loans when according to my IBR I am supposed to be at a {$0.00} payment until XXXX of XXXX. Their offices are n't currently open so I can not address this with them today but again they are incorrectly billing and applying charges when none are due. I continuously have to go behind them each month only to see that they still are applying charges that should n't be there. Then I have to sit with them on the phone for hours for them to correct it in their system, rehashing the story over and over, only to have to do it again the following month. It 's exhausting and a complete scam to charge people this way hoping that they wo n't notice and ruining their credit in the process. This needs to be addressed immediately.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

As a Chase checking account holder for many years, I am very shocked and and surprised they declined my credit card application on XX/XX/2016. XXXX number for this transaction is XXXX. 

As a practicing attorney for nearly 21 years, I have n't seen the reason for declining the application ; " Too many credit cards opened in the last 2 years. '' Nowhere on their credit application does it state where it will decline one based on their number of open credit cards during the past 2 years. If this was stated beforehand, I would n't have applied for a Chase Slate Card. 

This created a " hard inquiry '' on my credit report and based on Chase Bank not disclosing such information, I am requesting they remove this hard inquiry from my XXXX credit report or to open and grant a credit card account, as I initially requested. 

I hope Chase Bank can resolve this issue immediately by either removing inquiry or opening a chase credit account based on my income, assets and information on my application.
Consumer complaint received 2017-03-04
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

Chase advertised that all new customers who open a savings account and transfer in {$10000.00} will receive a {$150.00} bonus. I opened an account with them, transferred in {$50.00} from my XXXX XXXX XXXX account to verify it. Once this was ok I then transferred in the $ XXXX. When I tried to do this Chase told me my account had been closed, that I was blacklisted from ever being a Chase customer again and told on the phone that I was n't a desirable customer for them. I was told that there was nothing I could do, I could not get this reviewed or be told the reason for this. The only reason I can see for this is because I a new immigrant to this country, being from the XXXX and they have flagged me for a large transfer when I was just trying to access the deal they advertised. I believe that this advert should be removed if people ca n't actually transfer the money in without it being flagged as suspicious. I also feel there should be a review process and have to provide an explanation whatever the small print in their contact may say.
Consumer complaint received 2023-06-19
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly. 
Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable. 
I hope, you all consider my request. 

I
Consumer complaint received 2015-08-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am receiving a bill from Bank of America for a student loan I do not believe I received. I have attempted to contact them many times including leaving voicemails, calling the BoA main number, and noone has been able to find this loan in their system yet I continue to receive a bill from them monthly.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

Hi, I was given misleading information from AMEX rep via the phone two times : 1. I wanted to close my credit card account but did a credit card conversion to a different card instead because the rep told me I can keep the old credit card history and it wont open up a new account. This is not the case on my credit report. 

2. I requested an investigation a few months ago and was told I will be reached out for explanation. It never happened and when I called and asked today I was told there will be no response if they deemed they didnt do anything wrong. 

In summary, I opened up a new credit card account with misleading information and American Express refused to correct the mistake or provided any compensation for my loss.
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested my first credit report from TransUnion and received a report date issued XXXX/XXXX/2016. I noticed the report indicated a mortgage in the amount of {$96000.00} which I did n't know anything about. I called TransUnion to understand how this information was generated ; where did it come from? They were unable to tell me how or from what banking institution provided the information to TransUnion ; they kept asking me what bank it came from. I repeatedly asked and then spoke to a Supervisor who again could not tell me where the information came from, but TransUnion was happy to delete it from my credit report. They did n't do any investigation as to why or how this happened. I would like to understand their investigative procedure and why they are unable to tell me how this was reported incorrectly. I am currently in the process of separating assets with my spouse and need to be sure this liability is not outstanding. Thank you for any help. TransUnion did a poor job of ( not ) investigating and responding to my concern.
Consumer complaint received 2017-02-17
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (DE)

I want to file a complaint against Western Union. 
I made a transaction on XX/XX/2017 from USA to XXXX to my brother. 
The given estimate date of complete transaction was XX/XX/2017. 
But fund still not deposited into receiver 's account. 
The customer care person raised a Case against it and ask me to wait 24hrs ( case raised on XX/XX/2017 ). 
From that day, this 24hrs time is not ending. 
I call customer care daily to ask status but getting same response - " Your case is in under investigation. We do n't know where your money is ''. 
I am so tired of it now. This is the worst customer care service I ever see. 
I also provided them receiver 's bank statement that clears, the money never deposit into his account. 
But still they are not refunding my money. 
Basically they are neither depositing it to my receiver 's account nor refunding it back to me and also not giving me any proof of transaction so that my receiver can go his bank and show them. 
They do n't have value of their Customers. They are like " do whatever you can do, we do n't care ''. 
If Western Union is not able to trace money, why customer should struggle. 
They are also not sharing any timeline to resolve the issue. 
Every time same response. I and my receiver both are getting tortured mentally as well as financially. 
Western Union is just passing days and want to get rid of by saying that we have already escalated the issue however our partner bank is not responding. 
What 's customer fault here and why customer suffer because of this. 
My receiver 's statement clearly shows, money never credited to his account. 
It has become a nightmare for both of us.
Consumer complaint received 2016-05-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Michael J. Scott, PC (TX)

Michael J. Scott filed charges against me in the Justice Court several years ago. Judge XXXX XXXX was presiding and she dismissed the case after determining that it was not my debt. Now Michael J. Scott & Associates are once again trying to threaten and intimidate me trying to get me to pay the debt in the same case that Judge XXXX XXXX dismissed.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (LA)

On XXXX/XXXX/16 XXXX cancelled my insurance policy without notifying me in any manner. In a letter dated XXXX/XXXX/16 I received a partial refund check of {$490.00}. I received this check in the mail on XXXX/XXXX/16. Therefore this was my first and only notice that the policy had been cancelled. My policy premium that I paid was {$2400.00}. I immediately advised the XXXX agent XXXX XXXX that I had n't received the remaining {$1900.00}. XXXX refused to pay this amount. They held this money and would not release it until I was " forced '' by the agent to sign a form. 

They continued to hold my premium money for a month and a half. On XXXX/XXXX/16 I finally received only a portion of my premium. The amount was {$1800.00}. I am " still '' owed {$140.00} of that premium. I do not owe them any money. They in fact owe me the remaining {$140.00}! 

I have now received a debt collection threat totalling {$49.00} from CREDIT COLLECTION SERVICES in XXXX MA. 

Based on XXXX 's cancellation I do not owe XXXX any money, they in fact still owe me the remaining {$140.00}. 

I am being harassed for this money that I do not owe and am being threatened with this going on my credit report and affecting my credit score.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XX/XX/2017 As many customers I too have had issues with Bank of America hitting me with fees that seem ridiculous, mainly overdraft type fees. Im XXXX with a XXXX, and unfortunately I have XXXX. Because of this I occasionally make purchases that my relatively small bank account might not have the funds for. After getting nailed with ridiculous XXXX dollar overdraft fees I called in and talked to a BoA rep. I had them go into my bank settings, and set it up supposedly so I could not make purchases unless I had enough money to make them, which is what I thought a debit card was supposed to do in the first place. After that though it still happened, despite what the BoA reps told me, I called a total of three different times about this same issue over the years to " fix '' it, and still I get nailed now and then from the fees. I admit my bad memory problem, but when Im told one thing three times and yet another thing keeps happening its ridiculous. This fourth time I just called in and talked to yet another BoA rep. I asked her how a certain transaction was allowed to go through when I didnt have enough funds, which of course triggered a XXXX dollar fee. She couldnt exactly give me that answer. She kept saying its how my account was set up, even though I told her three different times I called BoA and was told it they changed the settings to prevent this. If I didnt have the funds, the transaction should have never went through, and the fee would have never happened. She said it was a transaction declined fee, yet the transaction was NOT declined the purchase went through fully on my end. All you have to do is XXXX " bank of america fee complaints '' and you can easily spend all night reading through the massive amount of complaint with BoA. After ten years being with them, Im seriously considering switching to a new bank as MANY already have. Some other banks even claim to not have these type of fees, sounds great. The amount of money banks make by nailing people with these fees is beyond ridiculous ...
Consumer complaint received 2017-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

They called my work place 3 times. The 1st time I told them I that I can not take phone calls at work and to not call me at work. The next day they called me at work AGAIN.. I told them once again to not call me at work..3rd time, the next day the still called me a work thus causing me to get into trouble with personal phone calls.. I called them back from my cell phone during my break and told them they caused me to get into trouble for calling me after I told them not to call me at work.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. XXXX & Equifax have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from XXXX. Equifax shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with XXXX who said that they are just reporting what the creditor has sent them. My concern is that XXXX & Equifax are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I graduated in XXXX XXXX with an initial student loan balance of $ XXXX. In XXXX XXXX I started paying my loans back through my servicer, Navient, on an XXXX payment plan. I was not notified by Navient that through this IBR plan that XXXX of my payments only went to interest and XXXX to the principal, and was also not notified that the 'capitalized interest ' during this timeframe of over $ 12XXXX was added to the principal balance of my loan. In XXXX of XXXX I put my loans in forbearance through Navient 's online system and was not adequately notified that accrued interest during forbearance would be added to the principal balance of my loan ( The only way I found out about this was due to an article I saw regarding the CFPB 's investigation of Navient ). My current loan balance is over $ 174XXXX - how is it possible that I have my loan balance is now XXXX high than it was when I started?! I want to fight this. There is no way I will ever get these paid down. These are not repayment options, these are money making schemes.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: First National Collection Bureau, Inc. (MO)

I missed a phone call from First National Collection Bureau. Called them back. The lady that answered the phone proceed to start yelling at me when I told her that the debt she was trying to collect was over 10 years old. She started to cuss at me, telling me that my rights did n't matter and that she would be collecting the debt one way or another.
Consumer complaint received 2015-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

When i got married, i was with XXXX, and my soon to be husband was with XXXX. I was planning to switch to his plan, so i called XXXX to see when my contract was up, to which they replied " Your contract has been up for several weeks. we 've just put you on a month to month plan. '' So, in XXXX of 2012, i switched to XXXX. I paid my final full bill with XXXX and started paying for XXXX. Now i owe XXXX {$180.00}? After paying my last bill in full, and not having a cancellation fee? I feel as though i am being very wrongfully charged.
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (CA)

I opened a new account with Barclay Bank XX/XX/2016. 
And I was offered a 0 % balance transfer offer. So I called in on XXXX XXXX and did a balance transfer over the phone to one of my XXXX XXXX cards. 
After 10 days had passed and nothing happened I called Barclay Bank to check on the balance transfer status and they started to ask me strange questions ; Like who I was paying? What I was using the money for and so on ... 
I told them I was just paying one of my XXXX XXXX cards. 
So they told me that they need to verify my identity and I was : Wait a minute you already know who I 'm. Barclay Bank already checked my identity when I opened the account and again when I requested a credit limit increase which they approved as well. 
So they told to send them documents ( Utility bills, copy of social, copy of driver 's license, etc ... ) to prove my identity. I then send twice the documents they requested and Barclay Bank is do n't want to honor the balance transfer. 
Every time I called in they are rude and give me all kinds of ridiculous excuses. 
I already send the documents twice and they still do n't want to honor the 0 % balance transfer. 
It seems to me that they are trying to pull some type of bait and switch deal on me. 
If all they wanted was to confirm my identity why do n't they ask me questions about my credit report just like any other bank. Why being rude to me and make me send documents when we have credit reports? 
If they are not so sure who I 'm why give me a credit card in the first place? 
It make no sense to me ... 
I would like Barclay Bank to honor the 0 % offer or please stop wasting my time.
Consumer complaint received 2023-06-19
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

There are XXXX accounts appearing on my Chex systems report that are not mine. Both are fraudulent accounts that were opened using my personal information. One is from XXXX and the other is XXXX The XXXX account has no identification listed, and the XXXX account has an incorrect identification number listed. I have disputed these accounts in the past to no avail. XXXX account, the XXXX one, was appearing on my XXXX report. However, I disputed it, and it was subsequently removed. However, both remain on my Chex systems report.