davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am attempting to get a loan modification processed through Bank of America. They have sent me a letter requesting additional documents to support my application. I have submitted all of the requested documents. 

It has now been XXXX weeks since I submitted the documents and my application has not been moved to the Review Process stage. I have called my XXXX several times ( about XXXX ) and I only reach voicemail. I have left a voicemail message with my number each time. I have also left electronic messages on the bank website for my XXXX and received no response.
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (UT)

I opened a credit card account with XXXX XXXX last year and almost from the beginning I started getting fraudulent charges. I referred them to the credit card company and trusted they will be handled properly. I noticed that some of them were dealt with but recently I went through all my transactions and noticed that they are many more fraudulent charges on my account. So I called XXXX XXXX yesterday ( XXXX XXXX, 2016 ) and spoke to a gentleman who promised to take care of all my needs, including initiating a security closure of my account that was supposed to be effective immediately, i.e., yesterday XXXX XXXX, 2016. Today ( XXXX XXXX, 2016 ), I received an alert email from XXXX XXXX showing that my account is still active and that it has been charged with XXXX new fraudulent transactions from XXXX different states. The manager at XXXX XXXX with whom I spoke today is XXXX ( ID XXXX, Maryland office ). She promised to initiate an internal investigation to determine why her colleague did not do his job yesterday which caused my account to get additional fraudulent charges.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

This is the XXXX time I have written you about CitiGroup. I have a Best buy Card that I have closed. When I closed the account, they charged me for all of the interest that was went with the promotions on the items I bought. A few months ago, I wrote you to tell you that they had been charging me for a program I had never signed up for that was to protect me if I ever lost my job. Well, after they got your letter ( and after I informed them that I had lost my job ), they refunded me {$200.00} for the program that I had never signed up for. I paid a lot more than that for the program. But as soon as they found out I lost my job, then they were willing to back out. What a rip off. So now, I checked my card activity and they have charged me {$200.00} in XXXX for interest they say was from a promotion. I already paid that when I closed the card. I think I need a lawyer. I need help. I ca n't pay this off if they keep messing with me. Please, Please help me with this problem. If you ca n't do anything, then please refer me to a lawyer that will. 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-07-27
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. (TN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

I recently checked my Credit Report and have requested that Navient provide me with documentation that this alledged item belongs to me. Navient calls my cell phone, yet I have told them to stop contacting me by phone and to contact me by mail only. I do not know why I must spend so many countless hours correcting this companies mistake. There are a lot of people out there that have my same name. 

Please see the attached documents that Navient sent back to me as my resubmission in accordince with their request for information. I have also attached a 2nd letter to which I have not gotten any response on. Both letters were sent Certfied Mail To Navient. Navient contiues to report inaccurate information that does not belong to me or on my Credit Report.
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (GA)

The Hotel had posted a charge on my credit card when the hotel stay was prepaid by a travel company used to book the hotel. The Hotel could n't locate the charge to refund and the travel agency recommended disputing the charge to refund the money. I disputed the charge with the credit card, receive a notice that I could supply additional information or a routine investigation would be completed. A month later, the dispute was rejected and I called the credit company and asked why. The credit card company representative told me the routine investigation consisted of essentially of doing NOTHING. It seems like the ENTIRE work on disputing the charge is on my end. I will be filing out the paperwork to send but I am extremely disappointed in the deceptive described service of " investigation '' which amounted to doing nothing. I think it is unfair for the typical consumer, especially for a straightforward case like this where the vendor does n't even deny the dispute, to expect a REASONABLE investigation to be performed when in fact, basically NO investigation was actually performed. Advertising to do an investigation and actually doing nothing and then asking the consumer to do XXXX the work is false advertising.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2015-11-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Please find the email I sent to BOA re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Bank of America/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a BOA client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only " options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or " financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with BOA. 

Sincerely,
Consumer complaint received 2015-09-17
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.
Consumer complaint received 2016-10-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (GA)

I pulled my credit today ( XXXX/XXXX/16 ) through my XXXX XXXX account and noticed that XXXX credit inquiries had been made against my account through the creditor " CBNA. '' They made XXXX hard credit inquires on my account that occurred XXXX/XXXX/16 & XXXX/XXXX/16. I never once applied for any new lines of credit, nor did I approve any creditors to run my credit for any reason during XXXX 2016. There should be XXXX credit inquiries made against my account during those dates in XXXX 2016 so I have no option but to assume this was a fraudulent act.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I got charged {$130.00} for " Credit Balance Refund '' on XXXX XXXX 2015, of which I have no idea why I got charge for as I did not make any purchse last a few months. At the same time, I was sent a check for {$130.00} issued by the same credit card issuer, Department Stores National Bank. I called the card issuer at XXXX and they told me that I have to send the check back to them so that they can wipe off the balance of {$130.00}. ( By doing this, I have to spend some postage fee addition to the time I have to waste. ) Please help. Thank you.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I was in a forbearance with Navient, and during that time, " late payments '' were still reported on my credit. This lowered my credit score tremendously! I received calls and email messages from Navient during the forbearance period to make a payment. I told them I was in a forbearance. The Navient representative told me that " not all '' of my loans were under a forbearance. I requested to have ALL of my loans consolidated so that various loans are not in different reporting stages. I never received the information to consolidate & they are still being reported as late. Navient is reporting several loans as missed or late payments on my credit. Also, the school that I had loans with is closed/ no longer an active school.
Consumer complaint received 2016-08-16
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

Macy 's credit card credit collection calls me from XXXX different numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX. The phone calls start from each number as early as XXXX and have been harassed by calls 5 times or more a day. I have arranged a payment date and am still being called repeatedly. The charge is for around {$100.00} and have never felt so harassed by a credit company in my life. This is starting to disrupt my personal life by being inundated by calls. One day the Ohio number called me four times in a row.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. ()

I 'm currently finishing my XXXX XXXX enrolled full-time in an accredited university, and Navient has begun charging me for my XXXX loans. I 've explained to them that I am still in school and not working, and was told I could be put on an interest-payment only plan which would amount to around {$30.00} a month compared to {$150.00} a month. The next month, I was again charged the full amount and when I called them they said oh no I was not eligible for that plan. I pointed out that that was a direct contradiction to what I had been told the previous month. I was then told I do not qualify for any lower monthly payments but that I could apply for forbearance. I have tried to work with them, pointing out that I literally have no money coming in with which to pay them, but I was told I could either pay to put the loan in forbearance or I would have to pay the monthly fee.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (VA)

I tried numerous times to close an account with XXXX after I moved out of an area in which my cell service worked, which is a legitimate reason to close an account by their policy. After repeatedly calling for three months, and being left on an endless hold numerous times, they agreed to close my account and remove all charges from my account because I was always on roaming cellular service, and I was not receiving the service I was paying for. I moved in XX/XX/XXXX, and they closed the account in early XX/XX/XXXX. I now have two different collections on my credit report, for two different amounts, but both from sprint and they are destroying my credit score. I do not owe this money and no one from XXXX will give me a clear answer to why this account went to collections, much less why there are TWO accounts for XXXX in collections. Also, no one has contacted me in the past year to let me know I owed this debt, I just so happen to see the collection accounts on my credit report.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (HI)

Title 15, United States Code, Section 1681, paragraph ( 2 ) ( a ) ( i ) pertains to the Fair Credit Reporting Act ( FCRA ), a federal law that regulates how consumer credit information is collected, used, and shared. This section of the FCRA specifically addresses the definitions used in the Act.

Section 1681 ( 2 ) ( a ) ( i ) defines the term " consumer report '' as follows : " ( 2 ) Consumer report ( a ) In general. The term 'consumer report ' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( i ) credit or insurance to be used primarily for personal, family, or household purposes. '' In simpler terms, a " consumer report '' is any communication by a consumer reporting agency that contains information about an individual 's creditworthiness, credit standing, reputation, and other relevant aspects of their financial behavior, which is intended to be used for evaluating their eligibility for credit or insurance, primarily for personal, family, or household purposes. 






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Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with NAVIENT and XXXX because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, XXXX, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer NAVIENT. I 've never had any way of knowing that NAVIENT now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH XXXX, who I had been paying faithfully. Finally, XXXX lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I received multiple email messages from American Express, thanking me for applying for a new credit card. I am not and have never been an American Express customer. I also received XXXX identity protection alerts that American Express had run credit checks against multiple credit reporting agencies. 

I also received emails, that the new card was being configured as a payment method on XXXX and XXXX. And I received email from XXXX XXXX  that a digital wallet was being setup for me with this new AMEX card as well. 

My first thought was that someone had applied for an American Express credit card in my name and might be used on all these web sites. 

I called XXXX XXXX  and the XXXX XXXX XXXX XXXX customer lines and started incident reports with both organizations. 

By late afternoon XX/XX/XXXX, I had reviewed payment methods at XXXX and XXXX- no new payment method had been configured. So now my theory was that this was an extremely aggressive AMEX card promotion - so I called American Express ( by the customer number on their website ) and complained about this account - the representatives at AMEX did find that a credit card account had initiated and they promised that the new account would be closed. 

I have continued to receive email about my new AMEX card - and XX/XX/XXXX I received a new AMEX card in the mail. I called AMEX and using their automated customer phone system cancelled the card and account. 

I continue to receive email from AMEX about my new account. Today 's XX/XX/XXXX email asked that I review my first month statement. I can not review the statement because I have never setup a user/password with AMEX. I have received every type of email, promotion, etc from AMEX except the communication that I would like to see- acknowledgement that my account is closed. 

As a result of the many credit checks being run against my credit information, I have frozen my credit information with all the credit rating organizations.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

Recent refinance with existing bank Wells Fargo using the online website offer. Current rate 5.5 / approved for 3.5 rate. Filled out all documents told will get info in mail. Two weeks, nothing. I call my customer service rep, my application was cancelled due to lack of information. All required documents were provided, however a tax doc did not scan properly, I never got a call or email about this or I would have immediately resent necessary docs. Now process has to start all over again with new customer service rep # XXXX - I resend all, speak with her about the rate 3.5 that was locked in until XX/XX/XXXX. Packet arrives few weeks later, rate listed on paper work is 3.75- I immediately call leave voice mail. No return call 3 days later leave another message, no return call - email situation. Finally get name of manager, leave voice mail, he also never calls me back. Now weeks have passed and the offer originally quoted & agreed of 3.5 has lapsed. 
Get name of XXXX manager and he agrees I should have gotten 3.5, he will contact underwriters to get paperwork out to me. Paperwork arrived same 3.75 rate. 
Now at this time we are into another month. Told best rate now is 3.6 - I verbally agree to 3.6 - paper work arrives XXXX/XXXX/16 same rate of 3.75. This process took so long that my rental property I am trying to sell in short sale, has started foreclosure proceedings. This is now on my credit report & getting another lender is almost impossible. The process from the start was bait and switch. The original quote of 3.5 should have been honored but was NOT & to my knowledge never was going to be honored, this was the hook, then the 2.5 % increase on final paperwork was the end CON.
Consumer complaint received 2016-04-26
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: WELLS FARGO & COMPANY (CO)

I live in Colorado. Someone stole my Dillard 's card and they sent me a letter telling me I owed him XXXX+ dollars. I called them and told them I live in Colorado and they told me the charges were made in Florida. I filed a dispute with them and sent me a letter saying that it was a valid charge. I phoned to ask why and they said of the XXXX signatures they have from me and the other that they are similar. After that they called to harass me to pay it at XXXX and XXXX. I have XXXX recorded voice mails they left at those times.