davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I have disputed twice now with Equifax regarding information on their reporting related to XXXX XXXX XXXX XXXX. Twice I sent in the FTC affidavit, police report, the federal guidelines, and my IDs disputing the same XXXX XXXX XXXX information with XXXX as the collecting agency for {$1900.00}. Once in XXXX XXXX and another in XXXX XXXX. Everything required of me by the guidelines on the FTC website, I followed. After filing in XXXX XXXX, they removed the fraudulent information, but then reinserted it. I filed another dispute, and they have not responded. XXXX and XXXX received the exact information, and they have already removed the fraudulent information -- and they informed me of the update. Equifax has never responded. All I got from Equifax was that it was under investigation -- this was back in XXXX of XXXX. To my dismay, I just found out on XXXX website that Equifax has not removed the fraudulent information that I disputed. 

2nd Complaint : I 've attempted to call and it is virtually impossible to get through. 

3rd Complaint : Equifax refuses to grant me access to receive my free credit report online once every 12 months per the Fair Credit Reporting Act ( FCRA ). Whenever I attempt, I keep getting a message that I need to call customer service. They had initially sent me a code to use to access online, and it gives me an error message. When I do call customer service, the hold time is incredibly long or unresponsive -- it 's borderline fantastical. I have attempted on different browsers and different PCs and still get the same error message. I have never had an issue with XXXX or XXXX. 

It 's been two attempts and 10 months since I initially submitted my dispute with Equifax. This is going on too long. Again, XXXX and XXXX received the exact same documentation and removed the fraudulent information. Equifax has not removed the fraudulent information, and Equifax has not even responded to me as to why it has not. The taste left in my mouth, this past year, is that Equifax either wishes me to not be able to check my credit report and/or they have no desire to remove fraudulent information from my file. In researching my complaint with Equifax , I 've come across other individuals who are just as equally dismayed at Equifax regarding everything contained therein this dispute. I notice that past fines and successful lawsuits have been assessed towards Equifax.
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX/XXXX/2015 I attempted to access my chase checking account for a periodic balance inquiry. however when I entered in all of my previous known login credentials online for this checking account, the chase bank website prevented me from accessing my account providing me with an error message indicating my login credentials were not correct. So I Immediately called Chase Customer Service to rectify the problem and to my dismay the rep i spoke with indicated my login credentials were no longer valid nd he advised that my username and password I used for the previous XXXX or more years as a chase customer with the same checking account had been recently changed. After he mentioned this I realized that my identity/personal information and login credentials were stolen. After providing this information to the customer service rep over the phone my account was flagged for fraudulent activity with no further access allowed until I was able to provide personally identifying information, along with a police report number to a local chase bank branch the next business day they were opened. I filed a PR with the XXXX, AZ police department explaining the situation and I was provided with a PR number. After speaking with several chase bank reps this same day i found out my identity was stolen, they indicated that on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015 a total of {$2400.00} in total had been paid out to a mutual chase customer through their chase quick pay electronic payment service. I advised them that this was not authorized by me and that the suspect who is also their customer stole my identity and login information to hijack my account and pay himself money out of my checking account without my knowledge. Chase fraud dept took my claim information this day and advised me to follow up so i did and I complied with all of their investigative requests only to receive a letter on XXXX/XXXX/2015 indicating they completed their investigation found that the transaction was processed correctly or was authorized and that no adjustments for a credit to me for the same would be made to me. Shortly thereafter I eventually closed this account after being with chase bank for over 10 yrs due to their lack of caring, lack of investigation and allowing fraudulent activities to occurr on their account members personal accounts. I believe that Chase bank should be held accountable for their careless reactions to this situation.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I have been applying for the Teacher forgiveness loan for 5 years as of today. I have been XXXX 9 years and just began XXXX for the 10th year. I keep getting denied because I am not at a XXXX school. I have explained over and over that I ca n't help where the district places me. This year my family had to move to a new city which means a new district for me and I am the only XXXX ( for students ages XXXX-XXXX with XXXX ) in the district. As this is a brand new program in the district. I was placed on a campus due to the campuses size unfortunately I am not a XXXX school but I will receive XXXX XXXX school. I have explained it over and over but to this date they are not working with me or letting me qualify for a Teacher Loan Forgiveness program. Instead they keep informing me to apply for the Public Service Loan Forgiveness plan which I did XX/XX/2013. My payments are not being reflected as it shows that I owe them more than the original amount that I transferred over. I pay XXXX a month and my balance seems to continue to increase rather than decrease. It appears that my interest rate keeps going up and down. I am just at a loss why my principal continues to increase and why my loans are not being forgiven as I am a XXXX and XXXX students have been and will continue to be in XXXX. I work extremely hard in a very demanding field and I feel like there has to be something that they can do to do right by me and the work that I LOVE to do daily. I have been paying my loans for over 10 years I should qualify for all of my loans being forgiven.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

Alleged mortgage loan debt collection activity pursued by JP Morgan Chase Bank , N.A . Mortgage, XXXX exceeds State of Tennessee statute of limitations and therefore is time-barred from collection. Last payment on record was made on or about XXXX XXXX, 2009. Persistent collection attempts by JP Morgan Chase Bank , N.A . occurring after XXXX years of non-payment violates FDCPA law and State of Tennessee XXXX.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (IL)

I signed up for a XXXX XXXX through Chase primarily for the advertised benefit of {$100.00} off of airfare booked for XXXX people. Once I had the card and actually tried to use the benefit, I found that you can only book airfare which is more expensive than the best price offered by the airline, or a travel site, completely negating the advertised benefit, if not actually making the " discount '' price more expensive. They are advertising a false benefit for this product.
Consumer complaint received 2016-08-03
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: PLS GROUP, INC (IL)

Re PLS prepaid card, and atm use. 

I used my card at ATM. Requested {$130.00}. I was ok with the {$4.00} charge ATM cost, and {$2.00} charge for ATM transactions with PLS debit card use. I accepted and pressed proceed, then, The ATM machine dispensed only {$80.00}, but proceeded to charge the {$4.00} and bank cost of {$2.00}. 

I called the XXXX XXXX, as I was told they own the machine, and was told since I do n't have an account she ca n't refund and to call my card bank. I called my card bank, PLS, and was told they ca n't do anything. 

I am being charged twice, for XXXX requested total. ATM should not charge you if they ca n't dispense the total amount. The card issuing bank should have a process to protect us consumers. I 'm stuck with paying about {$16.00}, to receive XXXX requested total of {$130.00}. My cost should 've remained the roughly {$8.00} not be surprised to roughly {$16.00} due to failure of an ATM. 

I want a refund of the PLS cost of {$2.00} plus {$4.00} ATM cost, just to do the additional transaction in order receive the difference in total I requested of up to {$130.00}. Why should I be stuck paying twice for my XXXX request?
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NY)

I book hotel reservation on XXXX. On name your price after I disputed with about the location and star level got no where so I filed a dispute with my credit card company. The next day price canceled my reservation with hotel. So I called check XXXX my reservation was cancel on XXXX/XXXX/15 for {$2900.00}. So I booked a new reservation after they cancel the first one. That also with XXXX {$3100.00} now they say I no refundable yet they cancel the hotel and keeping my money. What can I do now.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

I disputed information on my credit report that was out of date and inaccurate. Bankruptcy and a student loan. After speaking with the Student loan department they told that the account was closed and taking over by another company which i knew already because i had sent the form in to Equifax dispute department to remove the old account of the student loan. Some guy got on the phone and read of some account number that didnt belong to me and refused to delete the items from my credit report. The bk is 7 yrs old and was filed under a lawyer who banned from practice and the put the filing void status. They where very unprofessional and did not follow the law of dispute. I specifically asked them to tsend me proof of the results of my disputes and they felled to do and does not want to delete inaccurate information on my credit report. This matter has put alot of stress on my and as im trying to finance a home. And to have a credit bureau of such handling your credit file is heart breaking. The creditors have asked Equifax to remove the items and they will not do it. For the XXXX. I need some reinforcement to make them do their job.
Consumer complaint received 2016-07-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Senex Services Corp. (HI)

Found out that there was a debt collection for {$160.00} on my credit report. I was covered by XXXX at the time. I was never notified of the charge nor notified when it was transferred to a debt collection company. I only found out about this charge when I got XXXX XXXX. This charge was from 2010. I contacted SENEX Services and they have no record of it. I 'd like to pay the debt in full and request it be removed off of my Credit Score - or figure out why it was not covered by XXXX as it should have been originally ( XXXX informed me that I 'd need to contact the ER for billing, but the ER has no record of it either ) ... I just want this off of my credit report. It should n't be there as I was covered, I should have been notified, and I should be able to resolve this. If there is no record of this, why is it o my account?
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES (NY)

XX/XX/2017 I 'm hoping somebody can please point me in the right direction regarding a problem I 'm having with Great Lakes Higher Education and XXXX. I had federal student loans that were being collected by Great Lakes Higher Education ; I could not afford to pay them at the time because I became homeless. I defaulted on my loans. In XXXX of XXXX, I spoke with XXXX and agreed to a XXXX month rehab program with XXXX for my defaulted federal student loans. XXXX. is located at PXXXX, XXXX, CA, XXXX. XXXX telephone number is XXXX. Great Lakes Higher Education is located at XXXX, XXXX, WI XXXX. Great Lakes Higher Education phone number is XXXX after making my ninth payment XX/XX/<YYYY> XXXX, XXXX, I realized that my loans should have been sold to or bought by another lender by now. I called XXXX. The collection agent on the phone verified that I 've, in fact, made all of my payments on time per the agreement. She puts me on hold and then tells me I must talk to a loan specialist and one will return my call within XXXX hours. XXXX hours comes and goes and no answer. 
I have been nothing but polite and cooperative during this process as I know how lucky I am to have been in a position to rehabilitate my loans. But now what? Nobody will return my calls. I have to make my payments. I want to make my payments. I will continue making my payments but I also want XXXX to honor the contract to which we agreed. Also, I called Great Lakes Higher Education and the customer service representative XXXX ( who refuses to give me her last name ) keeps telling me they need to find a new lender to service my loan. My loan remains in Collections with XXXX and I will end up paying more collection fees. This is pure evil and I 'm pretty sure Great Lakes Higher Education and XXXX are doing this to many Americans and it needs to stop. They should be held responsible for their dirty business tactics. 
Sincerely, XXXX
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I consolidated my loans, they put loans in there that I did not want consolidated. They are very deceitful, dishonest and convince you to forbear because the monthly payments are so high that it is not possible to be a single, working, educated woman starting your career. It is completely disgraceful and not only is it hurting the United States Economy, by not allowing the millennials to be able to buy a house, but to continue to be indebted forever to loans. It is nearly impossible to be able to survive with student loan debt. It is stressful to have to owe {$250000.00} + and know that you are going to have to be paying for the rest of your life and then having a company be deceitful, raise interest rates, make it seem like consolidating or forbearing is a good idea. They take advantage of the American consumer who is not nearly as educated and knowledgeable about student loans. 
Furthermore, I recently had an issue where my father sent payments in to the loans that he is a co-signer on and they stated that they did not receive one of the payments, which was sent out the same day as the other one. Then they tried to blame it on the holiday, which was two weeks prior. I lived in XXXX and know how long it takes for a payment to get from XXXX to the XXXX ( XXXX ). Also, they called me every day multiple times and said it was going to affect my credit. I had to explain the runaround to every person and when some lady with half a brain finally found out what happened to the payment, it was misapplied. Misapplied? How many times have my payments gone into space or been misapplied? Makes you wonder who we are sending hundreds of thousands of dollars to. They are crooks and should be shut down by the United States government. My loans for XXXX were probably around {$25000.00} and my parents have already paid in access of this. They have requested multiple times for a payment book, a paper trail so we can verify what is getting paid every month and they refuse. There have been numerous times where payments have been applied to wrong accounts or went missing. I am a hard-working, newly-admitted attorney who should be able to save for my future and buy a house, but I am inundated by student loans with astronomical interest rates and continue to get XXXX by this provider.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: QUALITY ACCEPTANCE LLC (NV)

QUALITY ACCEPTANCE for over a year has not used proper blue book, sent proper paperwork to prove they did not do illegal interest rates, selling of car, fixing the car, credit reporting, mass harassing phone calls, threats, fraud and embezzlement. I have contacted FDIC, FTC, OCC, DEPARTMENT OF INDUSTRY AND BUSINESS and now heading to media and then some. This is not taken care of until a reimbursement that satisfies us is made.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Citibank issued me a credit card that I did n't request and I have never had a banking relationship with Citibank or Citigroup. They said they purchased my information from XXXX. I have only had a credit card with XXXX through Costco. I have not been a Costco member since XX/XX/2015 at which time my association with XXXX ended.
Consumer complaint received 2016-05-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

Used Macy 's card only once XX/XX/XXXX. Received statement and paid full balance on XXXX/XXXX/XXXX. Card was not used again. No statements or correspondence received since XXXX. XX/XX/XXXX, began receiving multiple calls per day from a caller who would provide no specific information, but wanted the number of our Macy 's card. Decided that it might be a good idea to contact Macy 's. ( XX/XX/XXXX ). Was connected to XXXX individuals, the XXXX being a " specialist, '' who informed me that our " account '' was PAST DUE and the balance was over {$100.00} with late fees and interest. After close to an hour of mostly futile conversation, she noted that the ACCOUNT APPEARED TO HAVE BEEN PAID IN FULL IN XX/XX/XXXX, and she would be " happy '' to correct the record. We directed her to close the account IMMEDIATELY, and it appears that she has done that, although our credit report shows a {$4.00} balance remaining. Checked credit reports today and found that they have been virtually destroyed - a drop of over XXXX points - by " overdue '' payments to this account. Needless to say, we will undertake all avenues possible to correct the record, but to characterize this experience as a atrocity would not be an overstatement.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I wish to file a formal complaint against CITIBANK for the way they handled closing both my XXXX and XXXX credit card accounts. I have had these accounts for almost a year, have handled these accounts responsibily, paid them on time, in full and have never been late. Citibank claimed someone tried hacking into both accounts online and jepordized the security of the accounts. An operator claimed they wanted to close the XXXX account for " security reasons '' and reopen it with a new number, which I hesitatly agreed to. I had requested both accounts credit limits be raised as I was a loyal customer, which Citibank had done to XXXX. The week following the credit limit increase, I had applied for and were given XXXX new accounts with Citibank, XXXX XXXX, another with XXXX and still another with XXXX, all branded credit cards Citibank sponsors. The morning of Monday, XXXX XXXX, I receive XXXX disturbing phone calls from Citibank security. They claimed to have express " concern '' over so many accounts being opened over such a short time. I explained to them that I had applied to these companies as a " buffer '' measure to help me avoid being left out in the road as I had planned to travel this summer as I have a XXXX person in my family and can not afford to be left out in the " cold '' so to speak. They agreed and hung up the phone. The very next day, I received notification that I was now placed as a " risk '' to Citibank as they claimed I had too many inquiries on my credit report to their liking and they subsequently closed all XXXX credit accounts with their company. I object to the way they handled these accounts, assuming that I am now a " credit risk '' to them simply because I have applied for more than XXXX account in such a short time. As stated, I have been a loyal responsible customer of theirs for almost a year and had NO PROBLEM up until now. Please consider this a formal complaint against Citibank.
Consumer complaint received 2016-09-05
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (LA)

Citibank 's mobile app does not allow one to view payments or pending payments. This makes it more likely to submit double payments. There is no warning against submitting a double payment. This makes it likely that the credit card bill is double billed creating overdraft issues for the payment ( checking ) account. 

I had this problem and contacted both institutions ( Citi credit cards and the checking account ), but the double payment was never removed from Citi despite multiple calls. When I tried to make the next monthly payment, Citi said they reprocessed the double payment, and they could do nothing about it. I found XXXX in the Florida office at Citi customer service very unhelpful when this problem cropped up again the next month. First I had to get my payment ( checking ) account made " active '' over several calls. Then, when it was active, the double payment from the previous month was charged. If I had just paid my balance in full right away, the double payment from the previous month would have overdrawn my checking account again! I am waiting to see if the double payment is processed before paying that part of my balance at Citi credit cards.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

I refinanced my house and the title company gave me a check made out to Citi card. I wrote my account number on the paper attached to the check. It was cashed on XXXX XXXX, the title company confirmed it. Citi card is saying that they did n't get it. Well they did get it, and cash it. It was for {$2900.00}!! I have called numerous times and been on hold for over 30 minutes. I have gotten no answers, no communication what-so-ever. I have faxed them a copy of the cashed check, and not heard back. The title company faxed them a copy of the check. This is not just a {$50.00} payment. I am so frustrated. I ca n't even get a direct number to call them at. They are horrible and their customer service is horrible. You ca n't even email them without them getting back. No reply. Can you please help me?