davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (AZ)

Credit card was declined for a {$29.00} charge. Credit limit on account was {$20000.00}. Amount owing was around {$1000.00} because I had just made a payment of {$6600.00} on time and statement balance in full. Called Chase CC : they gave no satisfactory answers " we 'll make a note ''. Asked to speak with supervisor. Male gave his name as " XXXX '' and when I asked for full name, said it was " XXXX '' on his birth certificate. I asked his employee number and he refused to provide it. This company has a record of declining charges. In this case, they sent an email where I verified I had attempted the {$29.00} charge. After verifying this, the card continued to be declined. Is there any consumer protection for poor customer service like this.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (WI)

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. There were several charges made on various cards including wire transfers from my bank account all for absolutely nothing. I have filed complaints with the XXXX and have recently discovered that I may have not received the proper handling of my disputes when I was denied last year. I am hoping that this complaint can get to someone capable of re-opening and properly investigating my claims as they should have done when last year when I first reported. The charge that I am refuting is for {$6400.00} to XXXX XXXX XXXX aka XXXX. The reason for this dispute was due to their deceptive sales tactics they used to obtain by business. They did not provide the services I was sold and did not disclose the additional expenses that would be required of me. These charges for goods and services that were significantly different from that which was presented.
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (TX)

I am a victim of identity theft and noticed a collection from STELLAR RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against STELLAR RECOVERY in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-02-10
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Armcon Corp (CA)

I represent a client that owes for a Dental bill. Recently, a Collection Agency issued a wage garnishment in CA. The debtor filed a Claim for Exemption as his right to do so, and in response the Collection Agency Manager is retaliating. Not only did he use profane language regarding the debtors request to try to resolve this, the Manager stated that he ca n't wait to take him back to Court to get an additional {$500.00} in Legal fees because he makes a lot of money, and then hung up.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I am going through bankruptcy and I am trying to rent the house, like I told the court I was going to do- otherwise I will lose my house. There was bad damage caused by vandalism and I filed a claim with XXXX. They paid the Loan Servicer money for the repairs, but the servicer refuses to release the money. There was a second claim filed with the lender place policy, by the bank for further damage, but they denied the claim. I filed a claim and they have ignored my repeated calls. I have been getting the run around about this money for nearly 2 years. I am in foreclosure and bankruptcy, if the bank continues to ignore me and refusing to release funds issued for repairs, I will lose my home. Please help me. They have had me resend documents, in order to release the funds SEVERAL times. They keep asking for the same documents, claiming they were not received or something is missing.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have disputed the accuracy of XXXX XXXX XXXX XXXX XXXX,XXXX times ( investigation no's.XXXX,XXXX,XXXX ) .All XXXX times, equifax verified either knowingly or negligently, the incorrect information still reporting today.In the most recent investigation I was very specific about my dispute.I SAID '' THAT THE DOFD WAS INCORRECT, THAT THE DOFD COULD NOT BE THE SAME DATE THAT THE ACCOUNT WAS ASSIGNED TO THIS DEBT COLLECTOR '', IT MUST ACCORDING TO FCRA ANTEDATE THE DATE ASSIGNED IN ALL CASES. ( FCRA ATTACHED AND HIGHLIGHTED OR UNDERSCORED ) .IN MY CASE, THE REAL UNREPORTED DOFD ANTEDATES THE REPORTED DOFD BY APPROXIMATELY 1 YEAR.IN THE XXXX RESULTS OF INVESTIGATION THE DOFD AND DATE ASSIGNED ARE BOTH XX/XX/2012.I POSSESS OTHER EVIDENCE THAT THIS LENGTH OF TIME BEFORE ASSIGNATION IS THE PATTERN AND PRACTICE OF THE ORIGINAL CREDITOR XXXX.XXXX IS IN BUSINESS TODAY , IS REACHABLE FOR VERIFICATION AS I POSSESS A XXXX ACCT. TODAY.THIS act of EQUIFAX/XXXX XXXX XXXX is called re-ageing of the account, it is an illegal practice. 
THE FCRA PERTINENT TITLE IS ATTATCHED.BOTH THE CREDITOR AND EQUIFAX VIOLATE THE FCRA TODAY AND DAMAGE ME.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

On XX/XX/2016 I logged onto my XXXX account which stated on XX/XX/2016 my Equifax report had been updated and I had XXXX changes to my report everything had been removed from my file besides XXXX address and XXXX collections account. Thinking it was maybe just an error I call Equifax on XX/XX/2016 and spoke with a young lady whom was very sweet, I told her I was calling to check on my file due to receiving some info from XXXX she attempted to verify my account, but then stated I would need to send in my dl because I basically did not have a file, I asked her why and also stated to her that I even had an open dispute, she asked could she place me on hold so she could ask with he superior, I told her sure, I was on hold about 5 minutes then she told me she have my info now. She was as helpful as she could be. I received another notification basically stating all my info had been added back to my credit file, which I 'm OK with that, but however when everything was added back it made may credit score drop, which is n't that high to begin with.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I dispute a item on my equifax credit report more than thirty days ago. When I called equifax and spoke with the representative I was told it was n't disputed. However, when I looked at my report online it was disputed XXXX XXXX, 2016. No results were returned from the dispute I ask that the item be deleted since its been more than 30 days. I was told no because it was n't dispute. The item I disputed was XXXX for {$120.00}.
Consumer complaint received 2017-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

COMPLAINT AGAINST : CARE CREDIT  ( Synchrony Bank ) G ood afternoon, On  XXXX   XXXX ,   XXXX   I got an INTEREST CHARGE ON PURCHASES Date  XXXX  in the amount of {$1300.00} on a card that had  XXXX  {$5500.00} balance owned.   When I called Care Cred it ( card that II h ave had for over 10 years ) I was informed that when I made the purchase, I had a promotional rate of 0 % ; which I was aware of, and that after the promotional purchase, my interest rate ( of 27 % ad up ) would apply ; which I was also aware of. However, they also informed me that I was being charged my full interest based on the FULL AMOUNT OF THE INITIAL PURCHASE, as opposed to how much I CURRENTLY owed ( which was USD {$500.00} or so ).   Every month I make payments over my minimum required payment ( usually the min pmt is USD {$260.00}, so I pay USD {$100.00} to USD {$300.00} over that, to reduce the balances ).   No wonder a balance o f USD  {$6000.00} has not decreased in the past year!   WHA T I AM REQUESTING : 1. Full review  of ALL the interest they have charged on my account since INITIAL account opening ( that would be initial card and then a second   one issued only on my name ).
2. Amendment of ALL interest they have charged me based on initial amounts as opposed to what it was ACTUALLY owned at the time they applied the interest fee/charge.
3. Reimbursement of any over paid amounts based on point " 2. '' listed above.
4. For Care Credit ( Synchony Bank ) to revie  w its slick, fraudulent and outrages practices such as the one I have been subjected to. People like me use these cards as emergency to take care of our beloved pets so we do not have to put them down. People like me always pay on time and above so we continue to have a good relationship with the card and to try to decrease our balances. Which since Care Credit became Synchrony Bank, it clearly taking advantage of in order to keep us in debt.     Thank you for your prompt response and action. We value your  Agency  even though all these crazy people want to get rid of you. As an American, you have my full support and I will continue to fight in order to have your agency around for a very long time.
Consumer complaint received 2017-02-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I have XXXX MasterCard gift cards bought in XXXX and XXXX, XXXX.Fortunately, I did n't give them away but used myself or I will be ashamed, three months later, I found out there are unauthorize charges on these cars totaled XXXX dollars.By XX/XX/XXXX I submit my request to U.S. Bank Dispute Dept XXXX and asked for a refund.On XX/XX/XXXX I 've received Cardholder Statement of Disputed Transaction, I faxed the documents back to them and waited for their response. In short, later on I only receive the refund of XXXX cards of XXXX cards being hacked. Because that Mastercard gift cards being hacked is a widespread problem, I searched the issue online, I see tens of thousands of people are being affected, I am one of them. It is said that it may take four to five months to get your money back. So I wait patiently until XX/XX/XXXX, I can not wait, and I send them another fax again, but this time they refused, saying, my issue is out of 120 days window that they can NOT help me.They lost my claim and my fax within the period of time I call them many times their phone system is not good enough. I have been held forever to wait for talking to a live person.I have XXXX dollar outstanding I need to be paid. Thank you.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (OH)

Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.
Consumer complaint received 2017-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NC)

Harassing phone calls, upwards of 12 times a day. I have informed them off being hard of hearing and phone calls are not best for me, no change. They have also called personal references in order to get payments on loans. They have called my inlaws, which I have never given their information to.
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

Navient has sytematically and illegally failed me at every stage of the student load repayment process. Navient has also systematically failed me in the beginning stages of loan origination. Navient 's response that the lawsuit is politically motivated is a copout to their known, intentional, and repulsive activities. Navient 's response infuriates me because I do n't need to research how they 've failed consumers. Citations are not needed for me to understand what they 've done. I have my own personal experience with Navient, its subsidiaries, and its associates. I am repulsed by Navient 's attempt to dodge responsibility under the cover of politics. I am repulsed by Navient 's effort to justify their evil mistreatment of consumers at every stage of the loan process. Furthermore, Navient 's response infuriates me because I have no recourse other than the hope of the Consumer Financial Protection Bureau 's lawsuit. Navient and their associates have literally intentionally lied regarding my private student loan. When it all boils down to it, it 's my word against theirs - regardless of what rules, regulations, and laws their collectors and associates must follow.
Consumer complaint received 2015-06-08
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CL Holdings LLC (IL)

I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. 

Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. 

I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. 

Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. 

As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. 

I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. 

I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

XX/XX/2016 I had an unexpected auto payment withdrawn from my checking account without my knowledge through Navient. I had previously had autopay, but called and canceled it around XXXX 2016 due to hardships, so I would call in and make an over the phone payment with my credit card so I could control my finances more. My Federal loans remained on autopay but not Navient because Fed loans offer loan forgiveness when you make 10yrs of on-time payments while working for non-profit. When I called, they said I scheduled the payment back in the end of XX/XX/XXXX which does not make sense to schedule a XX/XX/XXXX payment 2months prior. I asked for stop payment because that money was coming out of my rent check and I never pay additional bills out of my rent check. They said because my due date was the XX/XX/XXXX, and if they refunded my amount that my account would be in default that they could not refund my money to me. It was a very rough 2 weeks to follow especially seeing I was traveling out of state for a wedding the next morning. So I definitely know I would n't plan a withdrawl of such a significant amount around that time.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I was issued student loans by Navient and did not have a parent to cosign. I instead used my grandparents, who are both unemployed. As a result, I was offered loans of XXXX %, XXXX % and XXXX %, which total {$600.00} a month in private loan payments. I was told today that I no longer qualify for XXXX on my Federal loans and I will need to pay {$290.00} a month. That brings my grand total to {$890.00} a month. I was not told that I was no longer qualified for the program, instead I had to call to find that out. The representative told me that I had to go into my inbox on the website and click " previous website '' to find that information. This is deceptive because the name of that link does not indicate you would find important documents within it. The " messages '' feature which is big and bold on the front page does not contain any pertinent information. I was told that I could put my loan into forbearance, thus racking up even more interest ( which I did in XX/XX/2016, as well as several times in the past ). This company is hindering my ability to live comfortably, start a family and buy a house. I have made every XXXX of these ludicrous payments, despite not being offered any help on how to make these loans more manageable. I believe the initial private lending practice was predatory and the federal loan process is not offering me a reasonable payment.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I have two complaints. 
1. ) XX/XX/XXXX we were contacted by Navient about consolidating our loans. We were told at that time that they would use the lowest interest rate of the loans which was around 5.3 %. When the paperwork was complete they used the highest interest rate which was 7.75 %. When I called to complain they said " I 'm sorry that the person told you that but this is what it is and nothing can be done '' :!! 
2. ) XX/XX/XXXX our checking account was compromised and we had to open a new one. I went online to Navient 3 weeks prior to the payment being due to change the bank account information. I noticed the payment did not come out on the first and called to inquire about it. The operator said that I must have changed the account too late in the month and the payment wont come out. I told him that I changed it 3 weeks prior to the payment date and he said he did n't know what happened but I could skip that month if I wanted to. I said I did NOT want to skip a payment. He said that he would put into the account to pay. He then turned around and skipped that months payment so for the next 5 months we paid nothing but interest on the loan with no principal. Our payments then went up by {$23.00} each month because we " skipped '' a payment!
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I requested a loan consolidation around XX/XX/XXXX. My primary loan is with XXXX ( but somehow managed by Navient ), where I have XXXX different loans more or less {$10000.00} each from my XXXX degree completed XX/XX/XXXX. After that I got about {$30000.00} split in XXXX loans from XXXX. 


When I filed to request the consolidation, I chose Navient. After I receive my consolidation letter I noticed that the XXXX loans from XXXX were not included. I have been calling in multiple occasions to have this situation fixed as soon as possible. Eight months later, my loan balance is still not right. 


I had to call Navient, XXXX, and the Department of Education countless times, without being able to receive any kind of help. All the answers that I get from Navient are that they will submit my paperwork to a supervisor but nothing happens. Please advise.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax has ignored my request to provide documents that their company has on file to verify the accounts that I have disputed. Being that they have gone past the 30 day mark, and have not been verified these accounts, under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this issue as soon as possible thank you
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MS)

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Chase card : XXXX {$4000.00} on XXXX/XXXX/2016, XXXX XXXX XXXX charges {$2200.00} on XXXX/XXXX/2016, {$1300.00} on XXXX/XXXX/2016 and {$2700.00} on XXXX/XXXX/2016, XXXX XXXX {$4000.00} on XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.