davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

Credit cards were open using my personal information. As per chase they were an XXXX and freedom card. I contacted the bank when I was made aware of the fraudulent accounts. These accounts were open when I was in XXXX XXXX ( XXXX ) .The credit card company closed the old cards and reopened new credit accounts and charged me for it. I provided a police report and a bank statement to the fraud investigator because she asked for it. The fraud department is now asking that I provide them with my bank account information to help them with their investigation. I asked for proof that they couldnt provide. 

I need all credit card accounts in my name with chase closed and removed from my credit file as I never applied for any credit card with chase. 

Thank you,
Consumer complaint received 2018-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " XXXX/XXXX ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

Thank You
Consumer complaint received 2019-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I submitted my dispute to JP Morgan Chase Dispute Department on XX/XX/XXXX. 
Claim Number : XXXX I explained customer service representative that I'm disputing a transaction that was posted on my checking account on XX/XX/XXXX with merchant XXXX for {$27.00}. I disputed this transaction with my bank due to merchant cancelled the above referenced transaction per my request and the clerk at XXXX  station confirmed to me that my debit card ending in XXXX would not be charged since I did not fill a gasoline. 
I noticed that my debit card was charged on XX/XX/XXXX for {$27.00} from the merchant. I have been trying one more time to resolve a cancelled transaction with a merchant on XX/XX/XXXX and it was unsuccessfully. 
Therefore, I submitted claim of disputed transaction to JP Morgan Chase on  XX/XX/XXXX and bank accepted for research and I was advised that temporary credit will be issued to my account until they complete their research. 
On XX/XX/XXXX, I received a letter from my bank that notified me that they completed their research of my claim and found that the transaction was processed correctly or was authorized. 
I called dispute department on XX/XX/XXXX and spoke to representative who advised me to contact merchant directly to resolve dispute. I also spoke to account specialist Supervisor named XXXX and she was assisting me with my dispute. Supervisor advised me since the bank has no dispute rights for automated fuel dispensers, the transaction is considered is valid and referred me to contact merchant directly to resolve dispute. I explained them that I have already contacted merchant and was unable to resolve dispute for this transaction. Chase advised me that temporary credit will be removed from my account. I informed bank that I did not receive any service or merchandise from the above merchant, therefore I'm loosing my money. Supervisor confirmed me one more time that bank is loosing my since they do not have dispute rights for this transaction. I completely disagree with Chase research and submitting my complain to Consumer Financial Protection Bureau for further review.
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — Store credit 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. (TN)

This is regarding the dispute on the credit card ending in XXXX on, XX/XX/2018 @ XXXX Order # : ( XXXX ). This order was canceled on XX/XX/2018 this was when the refund was issued as cash when it was to be refunded back to the credit card. I disagree with the decision that was made to refund this credit back in cash. My reason for this disagreement has been as you can see the copy of the refund receipt is stating that the money was refunded back to me in cash, however I had never received cash for this refund order nor was the money sent back to the account. As I tried to resolve this issue with the store personally and it was told to me that it could take up to 30-days before the money would be back into the account. After 60-days the credit services issued the credit back to the card and once the money was sent to my account it was later removed due to Home Depot sending an investigation letter regarding charges that were under dispute after the refund date. My question is why would they issue a cash refund on such a large amount? When it should have been returned to the home depot card not in cash.
Consumer complaint received 2018-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (VA)

I have received telephone calls from an " unknown number '' to my cell phone every day for the past two weeks, at varying times of the day. When I answer the phone and ask who is calling, I am told that it is XXXX from Ally bank, looking for [ my sister 's name ]. The individual states that my sister and her boyfriend are clients and they are not answering their phones ; the bank is trying to reach them. They stated that they found my cell phone number via a " public database ''. I have asked for my telephone number to be removed from their list, and stated that this number is not associated with my sister, yet they continue to call.
Consumer complaint received 2018-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

Credit card company response to unauthorized charges was that it was my responsibility to deal with the auto rental company and that they " believed the rental car company '' = they felt I was a liar. Same response for the other smaller unauthorized charges. 

Credit Card company REFUSED to resolve the unauthorized charges and issue credit to my account, stating they would ruin my credit if I did not pay the charges THEY claimed were accurate despite my dispute. 

When informed I would file a consumer complaint, they got angry and stated " DO WHATEVER YOU FEEL YOU NEED TO DO '' and hung up on me.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

JPMorgan Chase bank closed my Non-profit Business account on Friday, XX/XX/2018, without any warning and reason. The balance in the account was over {$22000.00}. On Monday, XX/XX/2018, JPMorgan Chase closed a Joint account with my spouse, XXXX XXXX , again without warning or reason. The balance was {$2200.00}. This action by Chase caused returned checks and fees to vendors, changing all financials to our new bank and humiliation to account holders.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

A year ago, I received a promo code of {$200.00} bonus and took it to a US Bank branch to open a checking package. Although I completed all the offer requirement, I didn't receive any bonus until now. Since then, several attempts have been made to ask about the missing bonus, I only got very irresponsible answers, such as directing me to the branch, trying to explaining unreasonably " one or more '' or " recurring '', telling that my checking account didn't qualify which wasn't the case. I really want to keep on as a US Bank customer, but just feel so disappointed to see how US Bank has ignored and cheated me. 

Promo details can be found here : https : XXXX
Consumer complaint received 2019-01-12
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: Experian Information Solutions Inc. (SD)

My full true and legal name in the United States is XXXX XXXX. It is the only name I have ever used when applying for credit or financial products which is the only thing my credit report should be used for. I have never applied for a financial product with an alternate name since that would be considered fraud unless it was a miskey by the loan officer or corporate representative. 

Experian is refusing to remove aliases I never provided from my credit report. My assumption is so that XXXX XXXX can continue to use my information to obtain housing and financial services using financial products that have a second market credit rating system. 

The names that Experian is refusing to remove from my report which I never provided are as follows : XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Not only is this information inaccurate, it is insulting. 

In addition to the names which I never provided, Experian is refusing to delete addresses which do not belong to me and have been deleted from reports at other credit reporting agencies. 

Attached is a report from XXXX showing it has deleted the same addresses Experian is refusing to remove from my report. 

There are also three phone numbers on my Experian report that do not belong to me. 
Experian seems to put any information provided to them on their report, which some appears to have come from private investigators working on behalf of creditors who have violated Federal Law. 

One of the creditors is XXXX who I have filed several complaints against. At least one with CFPB. 

Experian is demanding that I contact the creditors to have my address updated and sent to them which I refuse to do, especially with XXXX as they have private loans that have fallen off my credit report and I do not want to " trigger an event '' that will cause the loans to come back on my credit report. 

In the case of one of the addresses which is a commercial address, Experian is claiming XXXX provided the address. I closed the account in XX/XX/XXXX and the first time I visited the address, which again is a commercial address, was in XX/XX/XXXX.
Consumer complaint received 2019-01-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (CA)

my mortgage has been paid off since XX/XX/XXXX through the bankruptcy of XXXX XXXX. Ocwen reported this to IRS that the debt has been paid in full. my property has a pre-foreclosure notice since XX/XX/XXXX and I sent Ocwen a " written request ' to justified the mortgage debts that balloons up to {$3.00}. XXXX. Today, XX/XX/XXXX, I received their response and have no intention to correct any errors on their records. Ocwen fraudulent misrepresentation is still continuing to affect homeowners of their deceptive practice of collecting a paid off debt. The XXXX XXXX penalty is not a deterrence for them to follow the government regulations, for Ocwen, it is still business as usual even though there was a pending lawsuit against Ocwen in Florida by CFPB, not updating their records through their use of technology that spits out incorrect information that damage homeowners as a whole. I can provide documentation to prove their misconduct. thank you.
Consumer complaint received 2018-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

Here we go again!!! I am still trying to fix the debacle that is my student loan. I have called and called and called and just get the runaround. I feel like my student loan is a complete and utter fraud and the student loan servicer is running a scam. 

My student loans are a disaster. The government garnished my income tax refund even though I'd been paying on my loans. I was assigned an ombudsman that was able to figure out the level of deceit these companies are willing to go through. The ombudsman discovered my consolidated student loans were unconsolidated and sent to separate servicers without my knowledge or consent. 

In trying to understand what's going on and why my fees are so high I called XXXX   XXXX and they just XXXX with me. I'm going through the exact same thing as before where everyone I talk to sends me to talk to someone else so I'm stuck in this vicious, expensive, circle of XXXX. 

When I talk to them they just say they don't understand what's going on and 'oops, we can't find any of your loan information before XXXX ''!!!!!!!! Ummmmm .... I graduated in XXXX. The way they have it calculated, my approximately $ 50K worth of loans with cost me somewhere around $ 180K. 

So - they can XXXX up my loans, lose my loans, not give me information about my loans, but still charge me interest? They also set me up on some graduated payment which means my $ XXXX/month loan will go up by {$200.00} next year!!!!! XXXX? I am already dying trying to pay $ XXXX/month. How am I possibly going to come up with $ XXXX/month?!!!!! 

This is sheer lunacy and is financial XXXX. I can not believe XXXX XXXX has no responsibility to be able to look at my records and truthfully, tell me my options. 

Servicing has been inconsistent, funds were misappropriately applied, I have been repeatedly lied to, information has been obscured, I have been deceived, my credit has been affected and I feel their behavior has been illegal. 

Someone needs to stop them or sue them like they sued XXXX. 
https : //www.consumerfinance.gov/XXXX Please help me figure this out. This is ridiculous.
Consumer complaint received 2019-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

As an uninformed XXXX-year old, I took out student loans through Sallie Mae for my XXXX degree between XXXX and XXXX. I was not well-informed on the difference between a fixed-interest rate and a variable-interest rate, and was thankful for any loan that would help me pay for my college degree, as my family could not help me with tuition. While I was in school, the interest rate on one of my Sallie Mae loans sky-rocketed to 14.75 %, which quickly caused the loan amount to double from {$20000.00} to over {$40000.00}. I was eventually able to refinance this loan to a lower, fixed-interest rate through a different company, but am stuck paying off $ XXXX in interest before I can even touch the actual money that I borrowed. In the last three years, I have been able to pay off a little over {$5000.00} of this loan. 

I have three additional loans that were taken out through Sallie Mae ( one each year of my undergrad ). These loans were sold to Navient approximately 3 ago where their interest rates remained low ( at first ), but still variable. Over the past year and a half, I have watched my interest rates slowly creep up higher each time I begin to make some progress in paying down one of these loans. I had to enter interest-only payments in order to be able to ensure that I could afford payments. I was eventually able to start applying extra to these loans each month, and although that amount was small, it allowed me to pay off {$10000.00} over the course of three years ( XX/XX/XXXX - XX/XX/XXXX ). Unfortunately, over the course of those three years, I have paid Navient a total of {$22000.00}. Please note that this amount only includes those payments made since Navient has taken over these loans and not any money that was paid to Sallie Mae. 

I have continued to try to refinance these loans for fixed interest rates including applying to Navient itself, as I received a mail notice that I was applicable to refinance. Unfortunately, despite an excellent credit score and a perfect payment history, I have been turned down over and over because I do not have anyone that can or will cosign for me. As an XXXX, I do not make a large income. At this point, just over half of each month 's paycheck is immediately allocated to student loans ( both private and federal ). As of today, my interest-only payments have ended on these loans with Navient. Not only has my required monthly payment doubled from {$350.00} to {$700.00} ( I was previously paying {$500.00} per month in order to work on paying them down ), but the interest rates have once again increased 0.25 %. 

If I am not able to get these loans refinanced, I fear that the interest rates on them are going to skyrocket like the previous one did under Sallie Mae 's management.
Consumer complaint received 2019-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I have recently been informed that there is negative information reported by IC System in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have three amounts owed of {$260.00}, {$280.00}, and {$100.00} as charged-off. The account is showing a balance along with the past due amounts of {$260.00}, {$280.00}, and {$100.00}. This is incorrect reporting. Please delete these accounts. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with IC System and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

Debt was placed in collections 2 days ago from an account that was supposedly open XX/XX/2018. I do not have a bright house account and this is not my debt that they are trying to collect. I never received any phone calls or letters from this company ( Waypoint Resource Group ) in the past 7 months. The company does not answer calls or return calls.
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (KY)

O/n XX/XX/2618 I contacted Fay Servicing by email to follow up on the payment deferment request my wife made on by phone a few days before. I did not receive a reply from them until XX/XX/18 after I filed a complaint with CFPB on XX/XX/18. 

On XX/XX/18 my wife and I submitted the application for deferment with all required documents explaining our financial hardship situation. After two months, we received a letter dated XX/XX/18 from Fay Servicing stating : " ... unfortunately you are not eligible for an alternative to foreclosure. Our review indicates that, although you may have a hardship, you do not qualify for any available loss mitigation options ''. However, Fay Servicing did not explain in the letter why we are not eligible for payment deferment, even though we may have a hardship.
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

Corrective actions were not completed relative to previous Complaint # XXXX. 
Ditech continues the following : ( 1 ) not post payments upon receipt on or before funds are credited to the payee, ( 2 ) continues sending monthly statements indicating three payments delinquent, ( 3 ) did not reimburse late fees charged for payments received on time, and credited to DItech, ( 4 ) did not correct/update credit reports to correct false info reported throughout XX/XX/2018, ( 5 ) did not provide a response/clarify why {$15.00} were charged for XXXX XXXX XXXX, ( 6 ) refusal to provide the information required to set up payments by a monthly payroll allotment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  that was requested on numerous occasions in 2018 ), ( 7 ) Last  Statement dated XX/XX/2018 due XX/XX/XXXX stated {$4000.00} were delinquent for XX/XX/XXXX thru XX/XX/XXXX ( False Information ). FACTS :XX/XX/XXXX- Credited to Payee XX/XX/2018, XX/XX/XXXX- Credited to Payee XX/XX/2018 and an additional payment credited XX/XX/2018, and XX/XX/XXXX- Credited to Payee XX/XX/2018.
Consumer complaint received 2019-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have been paying on student loans since XXXX. I have been a government employee since XXXX. In XXXX, it was announced that Public Service Loan Forgiveness would be honored after 120 on time payments for federal student loans beginning in XX/XX/XXXX. I immediately contacted Sallie Mae, now Navient in XXXX to find out what I needed to do to qualify for this loan forgiveness and was told to have my employer complete a form that I was a public service employee and submit it and the application by XX/XX/XXXX. In late XXXX, I contacted Navient to make sure I was on track with submitting the necessary forms since I would qualify for loan forgiveness, only to learn that I had been misguided on that there had to be a specific type of repayment plan set up in order to qualify. I was not provided that information in XXXX and based on what I was told, did not feel the need to contact the lender till years later when I was eligible for the loan forgiveness. In XXXX, the company offered me an income driven repayment plan, but that would have started the clock for another 120 payments before I would qualify for student loan forgiveness and my debt would be paid in full by that time. I am very frustrated with the responses that Navient has provided. They gave bad information when I needed it the most to start the clock on the 120 months years ago. I have paid over {$200.00} per month on {$30000.00} federal student loans since XXXX, and still owe {$15000.00}. Something is wrong. I previously submitted a complaint and received a poor response that made it look like I was provided the information I needed up front, which is NOT true. I wasn't given the right information until late XXXX, after i spent the past 9 years thinking i was on track for loan forgiveness in XXXX. I feel I should qualify for loan forgiveness, since I have paid on these loans for 22 years and have been employed as a public service employee for 20 years.