davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

My loan is a parent plus loan with Navient. Loan # XXXX. The loan was originally consolodated for 30 years. I asked Navient to refinance for a shorter period of time and they told me I couldn't. Additionally I've noticed throughout the loan that they keep adding a thing called " capitalized '' interest. Nobody has been able to explain to me what that means. They are adding interest to my loan on a daily basis and periodically adding lump sum interest amounts to the loan. I've been paying on the loan for 2.5 years and my loan amount has gone up instead of down. 
I applied through student loan.gov to refinance the loan and change service companies. Navient blocked by ability to go with another service company. I had chosen XXXX. Instead they changed my loan to a 12 year payback. I had requested a 10 year payback with XXXX. I'm attaching the document so you can see how my loan terms have changed in just the last 30 days. Additionally on XXXX XXXX it showed my unpaid interest was {$480.00}. I made a payment of {$490.00} thinking they would finally apply a partial payment to the principle. The next day they added {$3800.00} in " capitalized '' interest therefore negating any money being applied to the principle. As of now I have not had {$1.00} applied to principle in 2.5 years. 
I called Navient and asked for an audit of my account with a printout of my accumulated interest for 2 years. I told them I did not want a generic letter. I did not get the audit and instead got a generic letter advising how they calculate interest on a loan.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

Hello, I would like to submit a complaint about a misleading promotion of rewards thru XXXX/Chase rapid rewards plus credit card. The promotion I signed up for thru XXXX XXXX ( applied on XX/XX/XXXX ) consisted of a sign in bonus of XXXX rapid rewards points, plus {$200.00} of credit statement after spending {$1000.00} in the first three months period. After fulfilling my part of the contract I checked my rewards and I only had XXXX points, so I decided to contact XXXX   on XX/XX/XXXX and ask about my missing rewards, XXXX channeled me to Chase ( XX/XX/XXXX ), which I initially contacted over the phone ( on XX/XX/XXXX ), I informed the agent ( XXXX ) about my concern and I was told that the promotion I signed up for did not exist and that I was enrolled under a signed up to a sign in bonus promotion of XXXX points, plus {$200.00} credit statement, which I had no knowledge off, and it was not even an option online when I signed up ( XX/XX/XXXX ). I sent physical proof ( thru email, XX/XX/XXXX ) ) from the XXXX rewards promotion that XXXX/Chase credit card had available, back when i signed up. But they are still denying their responsibility to redeem their part of the offer. Plus, they signed me up to a promotion that I was not even aware of, and I don't even know the details. They have high interest and annual fee, the XXXX reward point promotion ad enticed me, that was the reason I applied for this credit card.
Consumer complaint received 2019-02-05
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: LEXISNEXIS (NC)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. LexisNexis is required under the FCRA to have a copy of the original creditors or furnishers documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it etc. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-01-27
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: Experian Information Solutions Inc. (NY)

My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Have been contacting the company non stop since XX/XX/XXXX. Customer service is the poorest & get different information with every representative I speak with. The collection company is no help & dishonest & when requesting contact with their superiors is a waste because they won't return messages. I requested a payment arrangement & was advised I didn't qualify. An modification was suggested & when I called the number provided to request a packet I was advised I did not qualify. What am I to do at this point & it seems as if rushmore loan management is a problematic company who doesn't listen or truly try to assist consumers. I am positive there ultimate goal is to complicate as many transfer loans as possible so that they can ultimately foreclose & sale for an higher profit.
Consumer complaint received 2019-01-31
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. (FL)

I am writing of complaint about Equifax Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Equifax has also failed to substantiate that the account is mine. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. I am requesting that Equifax delete this unverifiable account immediately from my credit report.
Consumer complaint received 2019-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

I asked that my PMI be dropped. I even opened a case with their escalations department. All they are willing to do for me is appraise the house so that I can manually remove PMI. My loan was at 78 % in XX/XX/2018. It should have automatically fell off then. I dont feel like I should have to pay {$450.00} for an appraisal, I feel like they owe me {$450.00} in back PMI payments. 
My account is with Suntrust bank. Loan was for XXXX purchase price. It is at XXXX now. I'm still paying $ XXXX/m for PMI.
Consumer complaint received 2019-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/XXXX I sent {$1000.00} to a friend 's account in XXXX XXXX. The Moneygram site said the wire would take minutes to hours but as of today ( XX/XX/2019 ), the money has still not arrived. Moneygram withdrew the money from my bank account on XX/XX/2019. Despite three calls to Moneygram over a week, no one will tell me when the money will arrive or why there is a delay. I have submitted complaints online via messages in their website and I have called them and spoken with several representatives. The first told me that " there was a glitch '' and the money would arrive in my friend 's account in 24-48 hours. It never did. The two representatives I've spoken to since have told me they can not answer my questions and that I need to call back in 24-48 hours.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (DE)

On Saturday XX/XX/19, I needed to access the funds in my savings account in order to put an offer in on a house. I have recently relocated and am in another state that M & T is not located in. I decided to transfer funds from my savings account into my checking account that I have with another bank that is more accessible. I tried to do so online as the website suggests. However I was unable to do so, the website told me to call customer service which was unavailable on the weekends. On Tuesday morning XX/XX/19, I called customer service and they told me there should be no issue. I was able to get further in the process, however when it came time to actually transfer the money, I got the same error message. The representative that was on the phone with me told me that the company flagged it as fraud because of the amount ( {$1400.00} ), but it should be cleared in a couple days and I can make the transfer then. I let the representative know that due to the nature of the situation, I do not have a couple days. They are my funds and I need access to them at this time. I was transferred a couple more times, ultimately speaking with a supervisor who offered to increase the limit ( to {$2900.00} ) that I am able to withdraw from and ATM so I could access my funds that way. When I asked about the fees from using another bank 's ATM, I was told that they can only waive fees assessed by M & T ( This wasn't offered to me, I had to ask for it ). I then let them know that I was not asking to waive fees, I was asking to be reimbursed for fees I have to pay due to M & T blocking my online transaction. The supervisor said there is nothing they could do about that and transferred me to a manager. The manager also told me that there was nothing she could do because it was not due to an M & T error, the fraud alert was supposed to happen. The transaction I made that caused the fraud alert, was made with the instruction from a representative in the online banking department.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CT)

Dear XXXX XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the Metro 2 format if there are any discrepancies with what is reported to the credit agencies XXXX XXXX, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on XXXX.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (SC)

There has been two separate transactions on my account where someone has created a virtual card on my account, two different virtual cards, and made transactions that I did not authorize. The first claim someone created a virtual card on my account and used it to make unauthorized transactions through a bogus XXXX XXXX. I promptly filed a claim with Netspend bank to dispute these transactions, but unfortunately, my claim was denied. # Claim Number : XXXX was for {$320.00} where someone opened a virtual card ending in XXXX on XXXX XXXX and transferred the money to a bogus XXXX XXXX, this was not me, this was not authorized. To my dismay, the same situation has occurred again, where another virtual card was created on my account and unauthorized transactions were made. Now I have another transaction that went through last night at XXXX CT for {$370.00} with yet another virtual card ending in XXXX to XXXX XXXX XXXX XXXX XXXX GA XXXX this was not my transaction and was not authorized. I have started a dispute on this one as well under claim # XXXX. This is {$690.00} my bank, Netspend, has allowed someone to create virtual cards on my account and take my money, yet they have denied my first claim! This is totally unacceptable business practices. I have been in contact with Netspend already to change my email and password on my account and waiting on a new card so I can access what money I have left! This is deeply concerning and highlights a significant security breach within the Netspend systems. When I send emails, all I get is an automatic email. I call customer service and they go through all the normal XXXX without helping me. They should be responsible for giving me my money back!
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NORTHERN HILLS COLLECTIONS INC. (WY)

On XX/XX/19 I called Northern Hills Collections located at XXXX XXXX  XXXX XXXX, XXXX SD XXXX, and attempted to set up a monthly payment with XXXX and XXXX. Both ladies were extremely rude, understandably, and refused to send me further information about my case that they have. I requested documentation about my file with them, and they stated that they had already sent it, and didn't have to send another one unless I sent a self marked envelope to them. They refused to give me in any kind of writing what I was agreeing to pay them monthly. When I asked, several times, if they were obligated to do this, to give me an agreement, they simply refused to answer, yes or no. They refused to give me any form of update on my payments, saying that I could keep track of those records myself through my bank accounts.
Consumer complaint received 2023-08-15
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Equidata, Inc. (AZ)

EQUIDATA was collecting a debt on behalf of  XXXX  which I paid in full. Upon me making in full, they agreed to remove the derogatory account from my credit report ; which they have failed to do. I paid the account off in full, and would like them to keep the part of their agreement to have it removed from my report.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JTM Capital Management, LLC (UT)

" XXXX XXXX '' from XXXX XXXX XXXX left a voicemail on my phone on XX/XX/19 at XXXX XXXX  MST stating, " Yes, Hi. This message is only intended for ( my name ) with the last 4 of your social on this docket here ( xxxx ). This is XXXX XXXX with XXXX XXXX XXXX XXXX. We had a court docket delivery, it was a failed attempt today at ( my address ). You obviously have got to reschedule the summons. Contact your petitioning party directly to do so. The phone provided is XXXX. I would advise you to review the charges and allegations prior to signing. ( my name ), you have been notified. '' I do have the voicemail from this company saved on my phone if you would like a copy. 
He then proceeded to call my husband and informed him that he ( XXXX ) had issued a warrant for my arrest and was having me arrested and jailed for 3-5 years for check fraud. He got upset when my husband questioned who he was, where he was calling from, and what he wanted and hung up on him. 
I called the number back left in my voicemail and spoke with a XXXX XXXX who gave me the runaround for a bit but finally gave me the correct info on who the debt was for and the amount. I made arrangements to pay with a credit card the next day. I spent over an hour calling the original company ( XXXX  XXXX  ), the company they sold it to ( JTM Capital Management, that doesn't do payment processing ), the company they outsourced the payment processing to ( XXXX  XXXX  XXXX, who then outsourced it to XXXX for payment collection ), and was eventually transferred back to XXXX again to make sure this was a legitimate company because they were so unprofessional on the phone. 
When I called back the next day, as soon as my payment processed, XXXX gave me a confirmation number. I got halfway through asking for a receipt, and he hung up on me. The document they sent to my email is very unprofessional, something anyone could create on a home PC, with the required legal jargon photocopied on it. I emailed back asking for an actual receipt and have received no response. 
I also spoke with a man named XXXX and a woman named XXXX from this same company. At no point did anyone with this company ever identify themselves as a debt collector or go through the required script for FDCPA. This company is extremely shady and should be shut down immediately. They also have not reported to the original company that they have received my payment ; the account is still showing as owed the full amount.
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AZ)

Sears wrote to me and said my credit card could be closed due to non-use. I used the card for small purchase of {$1.00} for website domain, {$9.00} for an event and {$14.00} for XXXX XXXX vitamins. These charges were authentic and have been paid for. However, recurring monthly charges of {$14.00} were showing up for web hosting that I did not order through XXXX. I disputed the charges online and Sears says they credited the account once for {$14.00}, agreeing to my dispute. I was transferred to place a block on the recurring charge. I spoke to XXXX. I asked for a new card with new # 's and exp. date, but was turned down on XXXX. I was to be emailed a new status of my account with the credits applied and recurring charges to be blocked. My account would then actually have a credit. However, I am now receiving around 25 phone calls since XXXX that I need to call them back. I have actually received more calls than this, but this is just since I wrote the " cease and desist '' order. This was after I faxed a notice on XXXX to them to stop harassing me and not to call the house. I received confirmation that fax went through. I then followed up with a letter to Citibank to block the account and shut it down. Instead of replying to that letter directly, Citibank sends me a letter on XXXX asking if I'm having financial difficulty and threatens to ruin my credit with an amount due of {$36.00}. On XXXX it is now over {$75.00} sent by email. On XXXX I get a notice from credit karma that my credit rating has changed - it has dropped 180 points because Sears has reported the disputed charges as late payments. Now I am having a problem logging into the Sears card account to check the account status. I can see why the Sears company is in danger of going out of business forever!
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2019 American Express is trying to commit extortion, buy sending my an email stating that if I don't make a purchase using their card they will close my account which may impact my credit score. to summarize : " We noticed that you haven't used your Account in a while, and unfortunately, your account is automatically scheduled to close soon. As with any change in account status, this closure could impact your credit score. If you'd like to keep your account open, simply make a purchase on your Card by XX/XX/19. " this is the definition of extortion - the practice of obtaining something, especially money, through force or threats.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my checking account around XXXX XXXX. The bank withdrew the remaining {$14000.00} in my account on XX/XX/XXXX. But only sent me a check for {$8400.00}, and the remaining {$6000.00} has not been given to me yet. Bank of America told me that the funds are still under review and could not provide an estimated completion date for the review.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Hi there, I got the upgrade offer for my American Express credit card in XX/XX/XXXX, it was spending {$2000.00} then I will get {$250.00} statement credit. I applied the upgrade and met the spending requirement on XX/XX/XXXX. I contacted AMEX many times about this {$250.00} credit wasn't added to my account, they just said I need to wait more time. Today they said their marketing team refused to issues this {$250.00} credit to me because I have done this offer in XXXX. But the offer 's term didn't mention it, and the offer was showing in my online account before I clicked the upgrade my card bottom.