davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
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 (WA)

American Express : On XX/XX/XXXX I requested a credit for an overpayment to my card. {$900.00} would be refunded to me by check to be delivered by mail. I chatted with customer service to initiate this : Depute : XXXX On XX/XX/XXXX I had requested an update with American Express about the check being issued. In which they told me an new check can be cut and expedited to me. I made several phone inquiries about the check as well. On XX/XX/XXXX, Amex issued a letter that said that the refund check was cashed. I did not personally cash that check, The check says " pay to the order of ( unreadable name ) '' and a forged signature. 
Posting date of XX/XX/XXXX. Included in the response, was a affidavit of forgery to fill out that I did indeed fill, notarized and sent in. 

Dispute XXXX On XX/XX/XXXX, I called in to see what the situation was with my check, I was assured that the balance will be credited back to me by multiple reps at this point. However, when I called they said they had not received affidavit of forgery. 
In which I had to fill, sign and notarize a 2nd Affidavit of forgery to for my missing money. 

Dispute : XXXX On XX/XX/XXXX I received a message of receipt of my affidavit and that they will investigate. 

Dispute : XXXX XX/XX/XXXX Still no resolution and I've been without {$900.00} for 6 months. 
On XX/XX/XXXX I filed a complaint to the CFPB, and received a form to be sent in to The collections Fraud Packet CFBP Ref No : XXXX-XXXX It filled it, faxed a copy into the stated line, AND sent in the filled packet by certified mail. Received XX/XX/XXXX signed by XXXX XXXX. I believe there was a corresponding case XXXX for it. 
I also resent in a signed affidavit of forgery, for the inquiry. 

On XX/XX/XXXX, I put in an inquiry on the status of the everything. I was told that status wasnt available. Case XXXX On XX/XX/XXXX AFTER the 6th month investigations should have been cleared I called in again, and after about 40minutes worth of hold time total, the service member advised that again, there is no update on any of it. Case : XXXX I have requested to speak with a supervisor on 3 separate occasions including XXXX, all three times I was assured a supervisor would return my call and NONE have been returned. I have failed to be given any resolution on every step of the way, and I have been with out {$900.00} for an entire year, which has been a great financial burden. I request that my account just be immediately be credited for the amount, so I may finally get resolution to an issue Ive been dealing with for over an entire year. Please Help.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Complaint vs Navy Credit Federal Union I've been dealing with this Loan Company since last year. I received a denial letter. I have the funds, the credit score and they have the audacity to say that I have lots of delinquents accounts. My credit score is XXXX and I am sure they ran my credit score more than once. I am an XXXX woman and XXXX. 

This Credit Union has the same complaints that I have from other customers, and no one is doing nothing about it.
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

Today XX/XX/XXXX I recieved a call from XXXX XXXX. I explained I had previously asked to have a billing statement to show my correct balance remaining since I am under the impression my loan balance has not reduced and had stayed at XXXX for a few years now. The individual on the phone just demanded I pay and did not want to provide a itemized statement as i requested. I provided my email address and confirmed my home address. He said the statement had been sent and I had not recieved a current statement only letters of collection. 

Called navient customer service around XXXX XXXX XX/XX/2018. 

Was informed my email address was changed from XXXX to XXXX in XX/XX/XXXX. 
I also tried before the call to retrieve my user name and password and received the message stating that navient did not have me on file. Pic attached. 

I had even tried to re register and no information was found regarding my information.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WA)

I have had my Citibank cc since I first purchased my house. It has remained a MasterCard but has been 're-assigned ' to various cc programs. It started out being a 7.5 % tied to my mortgage, then when CARD kicked in it went to 29.96 % and then later to 22 % on the ThankYou program. Now the ThankYou program is done and they want you to sign up for their money back on purchase program at 26 %, I did not sign up for this. 2 months ago I paid off this card. 2 weeks after paying it off I got a marketing piece informing me that if I purchase anything on my card up to XX/XX/2019 the rate of interest charged will be 2 %. During the next month I received 2 more of these marketing pieces. They all said 2 % interest on purchases made through XX/XX/2019. They did say that transfers were not eligible for the 2 % rate. Not in any of this material did it say that the rate would change once that purchase was made. It did say that purchases made after XX/XX/2019 would be at the current rate of 25-26 %. 3 weeks ago I had one of those emergency expenses that cost {$4500.00}. I went to the Citibank website and check marked the 2 % offer on purchases until XX/XX/2019 offer. On the website it said that transfers were not eligible and nothing else. I ran the charge on the card. Now get this, after making that charge I get a regular letter from Citibank, not marketing material, that told me after XX/XX/2019 my 2 % purchase will be charged at 26 % interest. So if it was XXXX of 2019 when I made the purchase I wonder what they would do? 

This bank has been financially ripping me off for years. I was late paying the account 7 years ago, and it was only once. ( my appendix ruptured ) I have seen these promotional rates before and they run until the amount is paid off on other cards. Not anywhere in the marketing material did it say the purchase interest rate would go up to any other rate. Do not let their marketing material mistake rip me off with the new higher rate of interest.
Consumer complaint received 2017-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX this abusive caller in XXXX to no avail. They keep calling even though I have spoken to them and told them that we owe no one and the previous owner of this number is unknown to me or my family.
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

On XX/XX/XXXX and XX/XX/XXXX I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt, the date of the alleged XXXX service, and proof of my singature and etc. Americollect did not respond to the letter by 30days to respond by. By not respond they should took thid item off my credit.
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FEDChex Recovery, LLC (AZ)

I received a letter dated XX/XX/2018 from FCR Collection Services ( FCR ) indicating that I owe {$250.00}. FCR is trying to collect payment for textbooks that were leased ( and not returned ) by someone using my stolen credit card number. I notified my bank when fraudulent charges appeared on my bank statement and XXXX XXXX  removed the charges and cancelled my credit card. I have made two phone calls to FCR explaining the situation. One call was placed in XX/XX/2018 and the other call was placed on XX/XX/2018. FCR requested that I give them my email address so that they could send me an affidavit form to refute these cards. Instead of sending an affidavit form I am receiving monthly emails requesting payment. The latest email is threatening to have may account placed with a law office to pursue collection.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

Lexis Nexis is refusing to dispute information properly. They are showing incorrect information, on merged information. Refusal to give proof of filing a dispute. Refusing to verifying information they are stating that is correct. Their report number is XXXX I want from them 1. A full, and complete copy of any, and all paperwork. A full copy off all files showing all original signatures, ID, compleat paperwork, and current report.

2. Certified documentation used to verify information.

3. Who the information was obtained by, and where it was obtained.

4. Undeniable proof of fraudulent, and erroneous information on the report.
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (MA)

Due to ongoing medical issues, my son is unable to pay his Discover student loan, so I, as the cosigner, have taken over. I have repeatedly asked them not to communicate via phone but to use email instead. Despite this request, I get daily phone calls even though the loan is current. Their response is always that the calls are on autodial and they don't actually know the status of the loan when they call.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Please delete these inquiries from my report. I have included the identity theft report and would like these removed asap. These were done in my name without my permission. 

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 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I contacted Navient in XX/XX/XXXX about my student loan debt. I learned about a lawsuit against XXXX for fraudulent and misleading practices. The Navient representative told me they would investigate my claim, and suggested putting my loans in forbearance. I called Navient multiple times between XX/XX/XXXX and XX/XX/XXXX checking the status of my claim. The representatives would always tell me the investigation is under review. I would be reminded that the loans are in forbearance and the interest will continue. On XX/XX/XXXX, I spoke to XXXX XXXX a representative of Navient, she told me they were still investigating my claim. I asked how long does this investigation take, it has been 22 months? She said she did not have any other information to provide, and referred me to another department titled " Defense Repayment '' XXXX. I spoke to XXXX, she advised me the claim is under review, and the loans would remain in forbearance until XX/XX/XXXX. I asked her how long does this investigation take, she could not provide any additional information. I asked about the interest on the loans growing, she said the loans were still in forbearance where they continue to accrue interest, until a final decision is made. She did confirm the date I filed the claim was XX/XX/XXXX. I went online to see if there were any similar complaints against Navient, and found a lawsuit ( Illinois Attorney General XXXX XXXX ) against Navient for misleading practices. Navient claims they have been investigating my claim against XXXX for fraudulent and misleading practices, and now they are defrauding me. Navient will not give me any information about the investigation. They only tell me my student loans will remain in forbearance, and continue to gain interest.
Consumer complaint received 2018-11-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I work at a XXXX XXXX and have been planning my life, essentially, around being able to discharge my loans after 10 years of consecutive repayments to NAVIENT. I have only Federal Direct Loans. 
My loan payment is enormous -- {$530.00} a month for a single mother of XXXX. However they only calculate the loan based on income. When I went to apply for public service loan forgiveness, I was told -- for the first time -- that I did not qualify because I wasn't doing " income-based repayment, '' a form of repayment that would nearly double my monthly payments. I can barely make my monthly payments as it is. No one said ANYTHING about having to be on income-based repayment when I was told I could get loan forgiveness for working at a XXXX XXXX 11 years ago. I believe I have been a victim of fraud.
Consumer complaint received 2018-11-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX XXXX, Equifax and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, Equifax, and XXXX to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied XXXX XXXX which was requested )
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I requested mortgage assistance from my lender Shellpoint a few times now to have them come back and me you 1st have to come up with $ XXXX to $ XXXX, as a down payment. I do not have or have saved or could have saved during my hardship. I was willing to make my payment for the approval on XX/XX/2018 but they said they cant accept my payment for the trial plan till i pay them a down payment of {$20000.00} I dont have. My family and I have not lived in any means spending money that we could have paid the mortgage with, we cut out a lot of things for us and our kids for sports activities and other things as well as we do not eat out and we shop at the dollar store and you can see my bank statements showing we have so many over- draft fees, we do not have {$20000.00} to put up front.We have exhausted all we can to work with shellpoint and they only come back to ask for 50 % of the past due amount. I just dont have it. However the payments they had approved me for i can start making them but they wont accept nothing till i give them a down payment. I want to keep my home, my family and I love our home.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Local Branch Manager XX/XX/2022 RE : Letter of Complaint against Bank of America Dear Sir/Madam , I am a client of Bank of America and I wish to bring your attention to a financial issue that just occurred and has left me in a real hardship. I previously had direct deposit on my checking account payroll check. I will be getting married in XXXX, XXXX and decided to go with XXXX XXXX XXXX XXXX. I removed the direct deposit from the checking account leaving the account open. 

On XX/XX/2022, I came to Bank of America XXXX, XXXX XXXX, Illinois, my local branch and deposited my payroll ( paper check ). Because funds were low, the teller informed me that I could not cash the check, I could only deposit. However, some funds ( about {$200.00} ) would be available the next business day, XX/XX/2022. The rest of the check would be available on XX/XX/2022. 

On XX/XX/2022, I received an email from Bank of America stating that the entire payroll deposit would be ON HOLD UNTIL XX/XX/2022. I then called customer services trying to obtain some resolution. There are several automatic payments set up on my account, not to mention, it was after the holiday weekend and I didnt have access to any funds. Mortgage, vehicle insurance, other bills and wedding plans ALL abruptly stopped. I was devastated. Not to mention, I will NOT receive another payroll check UNTIL XX/XX/XXXX. I feel like I was penalized for removing direct deposit from the account. Same payroll. Same amount. Same company. None of that changed, but because I chose to go to XXXX XXXX XXXX XXXXn, I have to wait 11 days to access my funds. That is totally unreasonable and unfair. 

This has been an utter nightmare. I have been mentally stressed since I made the deposit. Trying to figure out how to maintain until funds will be released. I am sure people have left and opened accounts at other institutions for less issues. It may not seem like a lot of money or a big deal to the person sitting on the other side of the computer, but for me, it has derailed everything. 

All I ask, is that someone from the Corporate Office, look into the matter and respond to me, immediately. Ask yourself, what would you do if your bank told you a hold on your account would last a couple days when in fact it ended up lasting two weeks? How would you feed your family? Gas for the car? Medicine? Rent or Mortgage? Insurance? What would you do in a situation like that? 

Heartbroken Customer,
Consumer complaint received 2022-03-30
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: U.S. BANCORP (OR)

US Bank advertises a 50 % bonus on points when using points for travel booked through their portal using their premium travel card ( XXXX XXXX ) ; however this bonus is non-existent on their website. After noticing no discount available, I spoke with US Bank customer service who said this was a reward through XXXX and instructed me to call them at XXXX and I spoke to XXXX. During this call I was informed XXXX is not responsible for this benefit and that US Bank customer service would be able to help. 

Unfortunately nobody is taking accountability for this. I am attempting to reserve a hotel on their travel portal which is valued at $ XXXX {$330.00}, meaning I should be paying roughly XXXX points ; however everywhere is advertised as the cash equivalent value, not holding up to their end of what has been advertised.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I enrolled in Santander Consumer 's autodraft for my auto loan. They advertise " sign up for auto draft and never worry about a missed payment '', so I did that. I paid 71 payments on time ( {$14000.00} ) using autodraft and was never told that the last payment ( {$240.00} ) had to be made manual. Santander refuses to listen to their recordings to see that they NEVER told me it had to be manual ; therefor it did not get paid until I was sent a notification that my credit score dropped. Why would I pay {$14000.00} ON TIME and not pay the last {$240.00}? I disputed it directly with Santander in XXXX and again XX/XX/XXXX with more information. I disputed it with the 3 credit bureaus in XXXX. They refuse to delete the late payment comments even though the account is paid in full. I am unable to get a home mortgage due to this recent late payment because it is so recent and this alone dropped my score 70 points. 

I was told many conflicting stories from Santander and I would appreciate if they would recognize their fault in this. Do not advertise never missing payments via autodraft, do not record conversations if it is not used for quality purposes, do not tell me it is resolvable when it you have yet to delete the late payments.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

On Sunday, XXXX XXXX, XXXX my equifax score dropped from XXXX to XXXX with no explanation or reason. I know there was a recent breach with equifax and maybe it has something to do with their error. My current address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I own this home as of XXXX XXXX, XXXX. My old address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX should be listed behind my current address. Please correct these errors immediately. Thanks.