davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have been a Chase Bank customer for over XXXX ( XXXX ) years. This past weekend ( XX/XX/2023 ), Chase bank wrote me telling me that they were closing my family accounts with Chase bank. The main account is where my wife 's salary and my salary are directly deposited every two weeks. From this account we do send money to our children at their various colleges. I opened my children 's accounts before my children ( XXXX XXXX XXXX left for colleges ; one at XXXX and the other at XXXX XXXX. Chase gave me up till XX/XX/2023 to close these accounts without any reason. These children are in school and not around to open another account. I have called Chase to express the hardship this action will create on my family. My wife works with XXXX XXXX XXXX XXXX and XXXX XXXX, and I work with XXXX XXXX XXXX  XXXX and XXXX XXXX  These are the sources money goes into the account.
Consumer complaint received 2019-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX I submitted a general forbearance request to Navient via email they provide. This is for a loan that was due on XX/XX/XXXX. I have been diagnosed with XXXX  related symptoms and dealing with their automated system has been very stressful. I have spoke with them in the past and advised that I do not find their website or telephone system user friendly so they provided me their fax and email. I also followed up the request with a fax same date. Did not receive a response so I emailed and faxed again on XX/XX/XXXX. On XX/XX/XXXX I received a bill that the amount of loan is passed due. 

This occurred last year also. They provide ways other than telephone or computer but then they do not process your information.
Consumer complaint received 2021-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

I filed my employer certification with MyFedLoan and got my 120 payments certified. 

A week later, I received a rejection letter on XX/XX/XXXX, stating I didnt certify I was employed this monthwhich had been certified on the same form they approved, and the basis for my hitting 120 in the first place. 

I contacted customer service multiple times and they said my application was rejected in error but there is " nothing they can do. '' Another customer service representative lied and told me federal law prohibits them from telling me where I am in the application process or why I was rejected. 

To make matters even more frustrating, they sent me a letter on XX/XX/XXXX, notifying me that I should apply since I am already eligible for forgiveness. When I contacted them to apply again... .they once again told me that they are still processing my rejection and to check back in 6 months to a year. 

I can not remain in my job for 6 months to a year while they process my loan discharge. I was guaranteed discharge in my promissory note and have fully satisfied all conditions. 

My employer is " the government '' ( XXXX XXXX in the State of Texas ) and no other issues exist on my account. I even used the official PSLF tool and had multiple MyFedLoan represenatives state they aren't sure why I wasn't immediately processed for full forgiveness. 

I believe that this can't be mere negligence and there must be an organized effort inside the organization to reject these applications. No other explanation would suffice to explain the lengths they have gone to block the discharge of PSLF-complying loans.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc. (AR)

Medical Data Systems was sent a letter asking to validate the alleged debt from Arkansas XXXX XXXX. Medical Data Systems did not adhere to the REQUIRED 180-day waiting period from when the alleged debt was supposedly acquired as outlined by law that details that it may not be reported to any credit bureau during this time. Furthermore, Medical Data Systems is in violation of HIPPA guidelines as I DID NOT consent to medical and XXXX XXXX to be shared. Lastly, Medical Data Systems did not provide an opportunity for me to ask them for validation of the alleged debt during the waiting period. 

Additionally, Medical Data Systems has been very unprofessional and believes it is being comical by signing a certified mail card " Covid-19 '' instead of the representative actually acknowledging receipt of the letter sent ( see attached ). Millions of people have been affected by this pandemic and it is no laughing matter.
Consumer complaint received 2022-07-23
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. (GA)

I sent a letter on XX/XX/XXXX to remove the fraudulent that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX CRED XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2022-07-23
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXXDEPT OF EDXXXX XXXX Balance : {$18000.00} -DEPT OF ED/XXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXXXXXX Balance : {$7700.00} -DEPT OF ED/XXXX XXXX Balance : {$5400.00} -DEPT OF ED/XXXX XXXX Balance : {$4200.00} -DEPT OF ED/XXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX  XXXX Balance : {$1900.00} -DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} -DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00} XXXXDEPT OF ED/XXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXXXXXX Balance : {$7700.00} -DEPT OF EDXXXX XXXX Balance : {$5400.00} -DEPT OF ED/XXXX XXXX Balance : {$4200.00} -DEPT OF EDXXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX XXXX Balance : {$1900.00} -DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2018-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I have called several times sinceXX/XX/XXXX to try and get the account from XXXX XXXX in the amount of {$610.00} out of dispute. I'm in harms way with my funds in escrow trying to close on my home and they will not remove dispute account nor will they state on my credit report that the account is no longer in dispute. Asked for a supervisor on all calls and they would not let me speak to one as well as the supervisor said no need for me to talk to them that the representative is doing their job. They said that I have to write a letter and it will take them 60-90 days to reply. Really. I didn't have to write a letter for them to add the comments on my credit report but I have to for them to fix it. I really need this fixed asap please.
Consumer complaint received 2021-06-03
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. (CA)

My car was repossessed around late XX/XX/XXXX or early XX/XX/XXXX XXXX XXXX XXXX. I redeemed the vehicle within the allotted timeframe. I was told all monies past due, the next month 's payment, fees, and recovery charges were due in oder to redeem the car. So that is what I did. Within a few days of getting the car back, I received a bill saying I owed over {$100.00} after they just said everything was due before I could get the car back. XXXX XXXX XXXX has not reported to ANY of the credit bureaus nor provided me a statement or accurate balance since then. Every week most times several days a week I received harassing calls threatening to repossess my car even though I have made double and triple payments. I've had to take their word and pay whatever they said to pay. They kept saying they weren't bound by law to provide statements once the car had been repoed. This goes on for 27-28 months I had to write down what I paid, when and the balance. They said the was not any interest being charged at this point and the balance was simple, but they would confirm this with writing. On XX/XX/XXXX while getting ready to remit payment for the month XXXX XXXX of month XXXX they say 11 of my payments were reversed and the were picking my up, out to call back sayin it was a mistake. The balance was agreed back in XX/XX/XXXX that it was {$10000.00} and then XX/XX/XXXX the account status change and the balance Is now over {$15000.00}. They still have not fixed this " system issue '', no one has called back to give me an update on it and I been sending letters to XXXX XXXX XXXX and the credit bureaus every month since XX/XX/XXXX and neither have responded to any of my letters. By law, they are supposed to conduct their investigations and respond to the consumer wishing 30 days. Now they have decided to begin reporting again ( INACCURATELY with the balance and missing 27-28 months of history ) and have caused my score to drop almost 60 POINTS!!!
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion EMPLOYERS : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NAMES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX EMPLOYERS : XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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: CITIBANK, N.A. (NY)

I Apply For A Citi Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the Best Buy Citi Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from best buy credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my XXXX Credit Report BEST BUY CREDIT REFERENCE NUMBER : XXXX
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

I have 2 mortgages with Caliber Home Loans. I pay extra on my mortgage every month that is to be applied to the principal. However, Caliber doesn't apply the extra to my principal. I have made multiple calls, wrote a letter and let them know in surveys I have taken. I received no response to my letter ( letter attached ). When I call every month, they say they will fix it but has you can see from screenshot attached it just makes a mess out of my online account sheet and I can't determine what has actually been done. I have paid an extra {$2000.00} every month this year that was supposed to be applied to principal. I don't see where this has been done each month. The last representative I talked with last week said she would send me a detailed account statement, I have not received it. 

I didn't have this problem with Caliber Home Loans until I refinanced my mortgages last year. The one solution I received was to put in my bank information into their online website and they would pull the funds directly from my bank account. I have always paid my bills through my bank 's bill-pay system and prefer this method. Due to security reasons I will not put my banking information into online sites and give a company access to pull funds out of my personal accounts. 

I have consistently paid {$2700.00} each month. That's {$710.00} Mortgage payment + {$2000.00} principal. If you look at the screenshot of my account statement you will see that it hasn't been processed correctly.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (WI)

It appears to be a XXXX  so can't talk to anyone. They never send any information to verify the debt. So I am unsure of validity of any debt. They call usually XXXX times a day. They have called other relatives as well telling asking for me and telling them they are bill collector. They have told other family members about debt, but they never sent any letters or anything. Yet they call. 
I believe they have violated the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
Consumer complaint received 2020-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

Hi, Regarding Loan # XXXX When I took this loan out it was at a 17 % interest rate. Ive paid close to {$24000.00} and XXXX XXXX paid over {$6000.00}. I got in a car accident on XX/XX/XXXX I literally had just made a payment that morning before the car accident. I was told that they would be willing to settle at the beginning of XXXX. On XX/XX/XXXX a check was disbursed Santander claim they didnt receive it. That happen 2 more times in a 4 month period until it was paid finally in XXXX of XXXX. I went to file a claim for Gap  insurance I took out when I received the loan. They did not give me any information on the criteria or policy for payouts. Santander multiple times express when the check comes in they would back dated. They intentionally did not post 3 checks from XXXX  until we literally tracked the 4th one. I called and told them we had proof someone from there office signed for it and then it get posted by this time my loan is now with the charge off dept. this should not ever happened it was intentional. They wanted me to continue to make the payments and collect the settlement amount from XXXX. They agreed to this settlement amount but continue to reach out to me for the remaining balance of over {$4000.00}. If anything they should be giving me a 3rd of what I have paid back and apologizing for not holding the loan in a status where it would not go to the charge off queue backdated the check so it would post accordingly without all that extra17 % interest occurring on a DAILY SIMPLE INTEREST LOAN!! They truly ripped me and my father whos XXXX years old hes had 4 XXXX  and this has impacted us in such an emotional, physical and financial way that I have no words to say only thing I can do now is file a complaint. Lets be clear I paid that loan without any issues if I needed help I made them fully aware with this unrealistic interest rate of 17 % with a co-signer and it being a Daily Simple Interest loan. Im so angry and hurt with all of this. This is highway robbery. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased an XXXX flight using my Capital One Mastercard on XX/XX/2020 for the amount of {$800.00}. The flight was due to take off in XXXX. XXXX cancelled the flight " due to an abundance of caution. '' I requested a refund from XXXX and they refused, offering a flight credit for a flight from XXXX that expires in less than a year. I then disputed the charge with Capital One but they too refused to issue a credit, stating I did not document " how the merchant violated an operating guideline. '' XXXX says the flight is nonrefundable but that does NOT apply ( according to their own contract of carriage ) if they fail to provide the flight. 

XXXX 's Contract of Carriage in Section 17 : Schedule Irregularities/Changes and Cancellations states In the event of a schedule irregularity ( cancellation ), the carrier will provide certain options. They may provide for alternative transportation in this case however Section 17.3 ( 5 ) clearly states that when the passenger declines the alternative transportation proposed by the Carrier, the unused portion of the passengers tickets will be refunded. 

This cancellation was wholly within the control of XXXX as they clearly stated this was a preventative measure and not because of any rule or regulation imposed by any governmental authority or other travel restriction so this should be classified an involuntary refund and therefore the rules under Section 21.2 should apply. 

Mastercard 's policy document called " Dispute Resolution Management During COVID-19 '' states customers are due a chargeback if " the cardholder prepaid for services ( e.g. flight or hotel reservation ) and the cardholder was notified that the merchant will not be able to provide the services. '' Finally, according to US law, that " U.S. and foreign carriers, operating at least one aircraft having a seating capacity of 30 or more seats, that passengers should be refunded promptly when their scheduled flights are cancelled or significantly delayed. '' I have clearly declined the Carriers alternative transportation and are therefore respectfully requesting the refund in our original payment form as required by the Contract of Carriage.