davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Regarding Shell Account # XXXX and XXXXAccount is issued and serviced by Citibank.N.A XXXX XXXX XXXX XXXX , SD XXXX. 
I wrote a letter to the company last XX/XX/XXXX requesting a " goodwill '' adjustment to my credit report because I believe my Shell Credit card report is inaccurate. Both credit card was under a payment arrangement I requested XX/XX/XXXX, the time of my hardship losing my home and then abandoned by my husband left with mortgage, other debt and credit card payment. The agreement was automatic deduction from my CITI bank checking account in the amount of {$67.00} and {$27.00} every month for 9.9 % APR for 5 years. And when the LAST PAYMENT is due in the amount of {$10.00} they did not debited it from my checking account and resulted the negative remarks in my credit report as delinquent.How and Why is the last payment not automatically generated debiting my checking account causing all the trouble .Also, I was contacted and harassed many times a day and at work and even when the payment was made, the calls continued for many more days not until I called them back which the person who answered said that it is a computer generated call that will not stop until it is corrected. Their customer service were very poor in regards to listening to the complaints and resolving issues including their supervisor that can not answer my questions and just transferred me another person w/o informing me first and you 're back to square one in explaining your issuel.. The very sad thing is the report lasted 60 & 90 days delinquent which Im not aware until I applied for a mortgage loan after long 5 years of struggle with my debt resulting to dropping my FICO score and then rejected to get a loan. It is very unfair that after 5 years of paying in good faith, they will destroy again your life due to computer generated billing that poorly monitored and a system that last payment in an automatic deduction from your bank can cause your life.
Consumer complaint received 2016-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (FL)

Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.
Consumer complaint received 2017-02-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (VA)

My mother sent me money from her Wells Fargo Bank account to my XXXX XXXX XXXX Account. It was sent on XX/XX/2017 and it is XX/XX/2017 and have not yet received the money. I have an email showing the transaction date of XX/XX/XXXX but not money as of XXXX EST. I am XXXX and trying to return home and have limited access. This is absolute unacceptable that a bank is allowed to hold onto money this long. It has been officially over 3 business days. If I was to transfer money to my mother the other way around she would get it less than 24 hours. How is it a bank can hold on to money transfer this long.
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BC SERVICES, INC. (CO)

This complaint is being filed against BC Services in regards to the above reference account ( XXXX ) that BC Services INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully requested several times that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

Navient has made XXXX phone calls to the above landline over the course of XXXX hours trying to reach our daughter XXXX. They have been repeatedly told that she is studying at a university in XXXX and can not be reached at this number yet they persist in calling and can not share any information with us. We would like the phone calls to stop and we have asked them to do this. This is the XXXX attempt they have made to contact her. There has been no mail or email.
Consumer complaint received 2017-03-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I have been a Wells Fargo customer since XX/XX/XXXX. On XX/XX/XXXX, I had misplaced my wallet and was in need of cash. I went to Wells Fargo bank @ XXXX., XXXX, CA,XXXX to withdrawal {$40.00} out of my account and before I got into line I spoke to one of the customer service reps standing in front of the line and explained my situation. The rep proceeded to tell me without my ID they would not allow me access to my acct. I explained that I misplaced my wallet and did not have my ID and the rep again told me there was nothing they could do. 

As an individual who has worked in the financial services industry for over 20 years I am fully aware of how to verify a customer 's identity without an ID. I then called the XXXX customer service number and informed them of my situation the rep stated without an ID, I could not access my funds and then told me to " borrow money from someone ''. I demanded to speak to a manager and was transferred to a " XXXX '' who refused to help me and transferred me to another dept. and after being placed on hold for over 30 min, I spoke to some individual by the name of " XXXX ''. This person refused to help me and would NOT escalate my complaint or issue any further. When I told XXXX that there are a number of ways to verify my identity, such as : signature card, last four of SSN, security questions, transaction history, mother 's maiden name, DOB, address ... .etc., XXXX refused to admit that those were valid forms of ID. When I asked her " if that was the case, what 's the point of having a Sig. Card, security questions, or tokens?? '' she refused to answer and then hung up on me. 

I HAVE BEEN DENIED ACCESS TO MY FUNDS AND WELLS FARGO REFUSES TO HELP ME. 

Also, when I go to branches to make withdrawals, I AM NEVER ASKED FOR ID other than my PIN.
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I have been a very good customer to Barclay 's Card for a year and two months. The credit card company has not provided me with good service regarding a charge to the card which inevitably caused me to have to pay in excess of {$190.00}. Without any service for my protection in these types of disputes, I ended the relationship with the credit card company.
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (WI)

On XX/XX/XXXX we were informed by letter that XXXX XXXX  XXXX had sold our mortgage to PHH Mortgage Services. We were given a new phone number and account number for our loan ( see attached letter. ) It is now XXXX. We owed less than {$7000.00} on the mortgage. XXXX had always been wonderful.

Immediately upon receiving the PHH letter on XX/XX/XXXX, I called to make sure that they would continue to take out our payment of {$400.00} automatically. We are paying extra each month to pay off the mortgage earlier. It took me 3 or 4 phone calls to get through their menu system and reach a person. I could only do that because I hit the button for beginning a new mortgage.I explained the issue and that we'd paid {$1000.00} recently. I was assured they would take money out automatically, just like before I explained we were trying to pay it off asap ; she seemed sympathetic and understanding about this.. My husband and I paid {$1000.00} extra in XXXX to XXXX before PHH took over. It was cashed XX/XX/XXXX. 

On XXXX we received a letter that stated that their " records show that the account is currently paid ahead. The monthly payment that is automatically drafted from a designated financial institution will continue, however, please note that PHH will only begin drafting the monthly payment once the account is no longer paid ahead. '' We called on XX/XX/XXXX at XXXX XXXX upon realizing that they had NOT taken out the XXXX payment as promised. After 24 minutes, XXXX talked to someone who said we could only change the payment every month by changing the withdrawal amount. He was frustrated at their lack of help because they refused to take out the {$400.00} for XXXX ( as promised ) and thus we owe more in interest than we should. The phone call ended abruptly - all of a sudden the line went dead.
Consumer complaint received 2015-07-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commercial Trade, Inc. (CA)

I contacted XXXX in the hopes that they could assist me in credit repair. They reassured me they could and would do what they could to make things better, stating it would take up to 6 months before I saw results. However, they decided to dispute many things on my credit report without my knowledge, even going so far as to creating letters and signing my name without my permission. They did this with the Commercial Trade Bureau where the lovely ( I use this with high sarcasm ) XXXX XXXX has been a nightmare to work with. I have contacted her twice asking the dispute be removed and she refuses to do so unless I pay her upfront. Is n't that illegal? Other collection agencies happily obliged to my request after hearing what XXXX XXXX had done, however, XXXX has not. Please help me.
Consumer complaint received 2022-09-06
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 (NY)

I've held an American Express XXXX card since XXXX. This was my oldest line of credit. The card was always paid on-time and in full. 

In XX/XX/XXXX, the card was cancelled due to inactivity and my points forfeited without any notice. When I called on XX/XX/XXXX, an agent helped me open a case request to reinstate the account. I was assured that I'll be contacted by American Express within a week. Upon no response, I called again on XX/XX/XXXX. I spoke with two agents ( XXXX and then XXXX ), each taking me through the process of reinstating the account ( including taking all my personal details and SSN ) only to be told that the account and points can not be reinstated. My only option if I want an American Express card is to reapply for a new card, resulting in a credit check and forfeiting my rewards.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I tried to contact transunion to view my credit report because I found out from my other report that it was unauthorized inquiries on my credit report. I am unable to review my report because someone is using my report. They are asking me to verify email XXXX This is not my email! I have found the problem. Why my credit card balance change! Also some has a XXXX  account in my name as well! I need assess to my account to see what is going on!
Consumer complaint received 2016-10-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MN)

I have a private loan with a co-signer through Navient. I have been making auto payments for as long as I can remember and I check my bank statement every month to make sure the payment was made. I get an email notice from Navient each month telling me they received my payment and when my next payment is due. My co-signer is getting calls twice a day about the payments not being made. I have contacted Navient asking that they no longer make the calls to the co-signer and am told that they wo n't ; the next thing I know my co-signer is receiving calls again. I do n't have a street address as to where I can sent a certified letter asking that they cease all calls as it seems that the verbal and emails are not getting the point across. I am so tired of dealing with Navient, I have asked that all my loans be consolidated and they tell me that the can only consolidate the Federal Student loans and not the private loans, even though they are the lender that holds both loans. My school is n't listed below it is XXXX College - XXXX XXXX Minnesota - the only campus that is listed for Minnesota is XXXX.
Consumer complaint received 2015-09-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NM)

I was sold a car that I was told I could afford. I was told my monthly payments would be {$300.00} a month and now I pay {$100.00} over what I was promised. I wanted a simple car and was sold a car that has so many features that I do n't know what they are for or do. I am not educated and I am older so I was taken advantage of.
Consumer complaint received 2023-04-15
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: Chime Financial Inc (GA)

I have contacted Chime multiple times about a {$350.00} XXXX charge on my account on XX/XX/, to which i didnt recieve my product or a refund. I have evidence from XXXX that they would refund me If i disputed but so far, Chime has not helped me at all and is actively ignoring me.
Consumer complaint received 2019-02-27
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. (PA)

This information is related to crimes involving the intercepting and forwarding of outgoing calls from XXXX XXXX XXXX & XXXX XXXX XXXX. One number doing this is XXXX XXXX XXXX. 
I went to get the app credit wise by XXXX  XXXX. The app said that it couldn't confirm my identity. I then applied for a XXXX XXXX credit card. One of the security questions asked me " does XXXX own a house in XXXX XXXX? ". While intercepting my outgoing calls and pretending to be busineses like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX And XXXX   and XXXX  the sane customer service agents with the sane names XXXX and XXXX mostly over the last 2 decades have adked security question in order to do things like have XXXX reinstall software previously paid for. I believe that this XXXX cell is an independent contractor call center located in XXXX XXXX XXXX, possibly one call center that I was previously employed by in or around the XX/XX/XXXX. This company also telemarkers falsely as a credit collection agency and uses their power to try and steal debt owed by preventing communication with the real company. Example my XXXX account both times. The 1st time tgey refused to let me pay the pager bill unless I paid a credit card off first. The second time around XX/XX/XXXX -XX/XX/XXXX. They  refused to let ne speak to customer service about a discrepabcy on the bill having to do with having already paid XXXX. XXXX XXXX refused to remove from my credit report when I have paid them. I briefly had XXXX in XX/XX/XXXX through them XXXX  and XXXX where I get my XXXX XXXX XXXX # and forward to XXXX XXXX XXXX. We throygh my mom have mostly had XXXX through her account XXXX XXXX XXXX
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

portfolio recovery XXXX XXXX XXXX XXXX, va. XXXX has a claim. on XXXX I sent a letter to stop contacting me on XXXX I received the certified return reciet. no. XXXX it was signed by XXXX XXXX I have been paying XXXX per month on account. they have resumed phone calls as of XXXX at XXXX am on XXXX of my phones. XXXX and XXXX.
Consumer complaint received 2017-05-01
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: AMERICAN EXPRESS COMPANY (MI)

On  X/XX/2017  I purchas  ed 2 ticket s on  XXXX  with my  American Express   XXXX   XXXX   XXXX . On  XX/XX/XXXX  I called  XXXX  to cancel the tickets, as there was a family emergency- my grandfather had fallen and required around the clock care. I was told there would be a {$200.00} charge per ticket for cancellation.     I then calle d American Express to see if there were any additional cancellation benefits or policies I was  eligible for as a cardmember. I was told that I should dispute the charge- and so I did so.     I noticed on   X/XX/17   that the charges were credited back to my account. At that time, I engaged in a " chat '' conversation with "  XXXX  '' from  American Express  who advised me that the dispute was resolved and that I was not responsible for the cost of the flights. He stated verbatim, " Great and I have an excellent news here. I will share the details of the email sent to you. He then went on to copy and paste an email sent to me.     I reiterated by stating  " Perfect!  So it is complete, and I was refunded? '' He said " yes, I will resend the emails as well. It will reflect on your upcoming statement.     I then received the email confirming it. Nowhere in my conversation with  XXXX , or on the email received did it state that  XXXX  could still respond to the dispute and I would possibly be responsible for the cost of the airline tickets.     I received my latest  XXXX  statement recently and saw that the charges were back on the account. I called today to inquire and was told that  XXXX  had responded and I am now responsible for the charges. This would have been fine, had I not been told in writing TWICE that the dispute was resolved and I would not be responsible.      American Express fa iled to adequately advise me of the process and provided inaccurate information stating the dispute was resolved when it in fact was not.     I spoke with "  XXXX  '' a supervisor with  American Express toda y- he apologized for the failure but was unwilling to assist in resolving this.     I should not be responsible for these charges, as I was informed in writing that the dispute was in fact resolved.
Consumer complaint received 2017-09-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I disputed a collections account from XXXX XXXX with XXXX on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Loan originated XX/XX/XXXX. Original loan amount was {$14000.00}. Original interest rate was 4.75 %. Payment was {$110.00} for 15 years. On XX/XX/XXXX the interest rate was lowered to 3.75 %. The payment was never changed and continued to be {$110.00}. The online statement shows a balance of {$4600.00}. The online statement shows a payoff date 0f XX/XX/XXXX. All third party calculations show a payoff date of XX/XX/XXXX. 
On XX/XX/XXXX I contacted Navient and was told they were unable to correct the online loan detail statement. The indicated the correct payment amount should be {$96.00}?? but admitted that no effort had been made to notify me of a payment reduction. Additionally, if I rely on the online statement, I would be making an additional 10 monthly payments. 
In light of the past practices of Navient, I am concerned that they will overcharge me for this loan. My request for an updated loan statement or explanation of how my payments were being applied to the principal were denied.
Consumer complaint received 2017-05-23
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)

There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX    XXXX   Account #  XXXX
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: OLD NATIONAL BANCORP (IN)

I would like to file an additional complaint against Old National Bank. Upon reading the response to their complaint more thoroughly after disputing the original response, I read that Old National Bank claims that I went into the banking center which housed my bank account exhibiting disruptive and belligerent behavior. This could not be further from the truth, as the banking center which housed my checking account is located in XXXX, which I have not been in for over a year, as lately the job I have has me working in XXXX and the XXXX. I can barely find the time to drive down to XXXX to service my customers down there. This statement is slanderous and libelous. I expect Old National Bank retracts that statement. I did raise my voice on the phone with collections, but I only went into a banking center of Old National in XXXX to make a deposit. I expect Old National to be truthful in their response. Lying and slandering people is not " banking with integrity '' which Old National claims to do. Furthermore, I would like the XXXX be contacted and the removal of their accreditation of Old National Bank to be looked into.