davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP (AL)

Republic Finance calls me everyday, sometimes twice a day and never identities who they are in their voicemails. Addirionally, they call from a different phone number every time they call. Most recently before inquiring about a debt collection, they offered me an additional line of credit as if they were masking the reason for their call. In addition to repeated phone calls, they 've also begun calling me at work as well as calling my family members. I do n't know how they got my brother 's cell phone number because I did NOT give it to them. That is unacceptable. I 've missed XXXX payment. XXXX! They 've called me every single day for a month.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NJ)

I am a victim of identity theft and below is what happened. 
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MRS BPO , LLC.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NV)

I received a letter fro m CITI sta ting that they are refunding from an add on that I did n't order. The letter states to go to and submit a claim for refund. A reference number was provided. But when i went to that website it says " website can not be found ''.   Is this a scam? I  XXXX  and saw that  in 2015 Citi wa s found to have to refund  XXXX , but this is the first I 've heard of this and obviously ca n't do anything about it.
Consumer complaint received 2015-11-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Have XXXX student loans with Navient. Have been making a consolidated payment each month. Received a letter of default and called. They stated I have n't been making payments. Checked online and all payments PER THEIR website have been made. They have now sent me to a collection agency. This is Insane!! And each time I call I receive a different answer. If I am making the agreed payment each month I know it 's not legal to send me to collections. This company has the worst collection practices.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

In XXXX I took out a private loan for XXXX XXXX XXXX ( now closed ) ; In XXXX I graduated XXXX. I was unable to find gainful employment for several years. When my forbearance was expired, I asked XXXX XXXX for help. I did not have the money or the cosigner for their only offer for assistance. Today I have a default judgement. I have tried to talk to XXXX/navient many, many times. They tell me to talk to the attorneys. I tried to make a settlement offer with the attorneys two separate times ; they ignore me. I am being charged {$100000.00}, I have already been garnished almost {$25000.00}. I am told I have to pay upwards of {$120000.00} for an education that cost less than {$50000.00} and took me over 10 years of hard work to make at least $ XXXX/year. No one will talk to me. This is extortion
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC (VA)

XXXX   XXXX   sold our mortgage to MLD mortgage, and during the process of loan sale our  Home Insurance wa s due (  XXXX  ). Neither company paid our insurance from the funds which were available in escrow. Now we are receiving failure to make payment letters and potential gap in insurance letters fro m    XXXX   XXXX  .  XXXX  says MLD will not speak to them regarding our account. MLD will not release payment to  XXXX  because they claim they can not make contact with any  XXXX  employees. After numerous phone calls and emails with each company we are no closer to having this issue resolved than when we started. MLD has exceptionally poor customer service with representatives becoming belligerent with customers on the phone when all we are requesting as paying customers, is to have the company fulfill obligations for which they are being paid.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

-I was billed {$27.00} fee. It was not denoted for what it was. ( they said it was a late fee. I always pay my bills on time and IN FULL. but they waived it stating it was from XXXX. I paid on time. ) -I was charged {$52.00} for interest on XXXX bill. I paid my XXXX bill on time. 
-it also denoted I had interest charges for all of 2017 at {$100.00}. As I already stated, I pay my bills in full, and on time. I do n't pay interest and I avoid late fees. 


So it is my view that Citibank is charging these fees INCORRECTLY and therefore FRAUDULENTLY to see if their customers are " monitoring '' their statements, to see if they can obtain additional fees. ( The representative actually said to me when I called, " thank you for monitoring your statement. '' ) It certainly is not unheard of in the wake of the XXXX XXXX Bogus Account & Fee Scam, which they were just fined a record amount for their wrong doing ... 
so, if you could please investigate this and see if there are any other Citibank Customers whom have had this occur, it could be a great boon to the common person, the working person whom is getting taken advantage of, once again. 

Much thanks, XXXX XXXX
Consumer complaint received 2016-07-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HOVG, LLC (CA)

I was in a car accident on XXXX/XXXX/16. Several days after I was finally discharged from the hospital I got a call from Bay Area Credit Service ( unsure of what date due to injuries ) trying to verbally collect debt on my ambulance ride XXXX $ XXXX XXXX. I received no bill from the ambulance company and I did not receive any written notices from Bay Area Credit Service about the said debt. I was aggressively told I should just pay right now over the phone. I told them no that my insurance should cover the bill and gave my insurance information. 

They called approximately a month later XXXX/XXXX/16 ( I still have not received a bill or notice of any kind in the mail and they have my address ) and said my insurance covered some of it but I owe around {$50.00} plus interest which comes out to {$95.00}. I told the caller XXXX XXXX that I never received the bill or any notice and once again he insisted I pay now over the phone via credit card. I told him that I need the paper bill to send to my lawyer ( who is handling any and all matters related to my car accident ) and I would not be paying over the phone without the paper bill. He insisted I pay him over the phone again and I repeated myself that I needed to have the paper bill and that I never even got a bill at any point from any company. He then in a threatening tone said " Do you really want to get your lawyer involved in this? For {$94.00} dollars? '' And I responded with yes. Then he took my lawyer 's information and gave me a verbal breakdown of the charges. I then asked again if he would be sending the paper bill. His response was essentially a " maybe '' and that he could put in the request ( which sounded very much like a no especially in the way he said it and how he repeated himself ). He also quickly said something about me actually never getting a bill or that it was my fault I did n't get the bill but then he quickly changed the subject and asked me to repeat my address. They first called me XXXX, talk about preying on the vulnerable.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (KY)

We have been trying to get our bills paid to increase our credit scores. When I went into our credit reports we found credit inquiries that were not authorized dropping our scores approximately XXXX points. We contacted XXXX, Equifax, and XXXX in writing and by phone and they state that they will not remove them, that it is a law for them to report who pulls our credit reports. However we did not authorize these inquiries.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (PA)

In  XXXX  of  XXXX  I was granted deferment on my loans when I enrolled full time in school.  XXXX  of  XXXX  I began receiving letters that my loan payment was overdue. I tried for one week to get answers in regards to these notifications, but every time I called the " system was down '' and they could not bring up my information and assured someone would call me back soon. Finally, on  XXXX   XXXX , of   XXXX   I was assured that my account had always been in deferment and I was to ignore the emails and letters. Today,   XXXX   XXXX   XXXX  , I was informed that my co-borrower has received notification of payments being over 160 days past due and that consequently their credit has been negatively impacted. When I called the company today I asked to speak immediately to a supervisor. The phone called last for 21 minutes,  19  of which I was on hold. The supervisor came to the phone to tell me the " system was down '' and she could not pull up the necessary account information. I demanded someone return my call today because this was not a matter that could be ignored any further and she laughed and said that would not happen.     Additionally, I have never had a smooth transaction with this loan company. I was so happy to get out of business with   XXXX   and switch to my credit union because I thought I would n't have to worry about being conned. Each time I have requested sums from my loan there has been some sort of issue ( i.e. the database showed I had exhausted funds when I still have {$12000.00} left, the payments were late to the school thus causing me to be locked out of my school accounts  ) . I have always paid my loans on time and with no issues. I would simply ask the same out of the company I will be indebted to for the next  twenty  years of my life. I have always treated representatives with respect and appreciation for their help. But today, enough is enough. My co borrowers have now been impacted but irresponsibility I have no control over.
Consumer complaint received 2021-11-26
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: EQUIFAX, INC. (TX)

Complaint : ( XXXX XXXX  ) account # XXXX has violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXXXXXX ) account # XXXXto communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. XXXX, XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.
Consumer complaint received 2020-04-18
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. (WA)

OnXX/XX/2020 I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a XXXX Chase Mastercard which offered XXXX mileage points if you charged {$2000.00} within the first three months of activation. I live overseas and my card got lost in the mail ( probably returned to sender ). When I asked for a replacement card 1 year later I was told the points would be no problem. I put {$2000.00} on the card within one month, but my request for the mileage points were denied. There was no activity on the original card and I had the new card sent to my address here in XXXX. XXXX blames Chase and I am asking for help here. Thank you.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

On Monday XXXX XXXX 2016, I proceeded to the Chase Bank in XXXX XXXX IL. The sole purpose of my visit was to take my mom in to close her current account and to open up a new one, due to a scam that she encountered due to a purchase on the internet. Once that was completed I proceeded to open me a new account with chase, based upon a conversation that I had with a representative stating that I could do so because I no longer owe chase that money. So I proceeded, the account was opended and I went home, The following day XXXX XXXX 2016. I proceeded to enter a Chase branch in XXXX IL to request a different design debit card. At that time I was told that my account was closed, they snatched my debit card, and pushed me out of the Branch without a explanation. I then called the customer service number, who informed me of the same thing. but yet did not tell me why. Only that they will mail me a check, my account is closed, and no one else in the whole company can tell me why my account is closed. The funny part is, here today XXXX XXXX 2016 and my account is still open per my Chase mobile app, with the XXXX still in my account.That was my only means of money and yet they still have the account open, so how is that possible when chase was rude and lied and did not give an explanation!!!!!! I was treated unfairly and discriminated against!!
Consumer complaint received 2016-06-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (MI)

I keep receiving the same bill in the mail stating I owe {$49.00} for a coin I never ordered or received. I am unsure what this company is and I differently am not sending in money for something I did not order. I do n't even have a interest in a coin or anything this company is selling as I do not even know who they are. I have received multiple letters saying -This is unacceptable! - and that they are putting it in collection which goes on my credit.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX  continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (CA)

There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan foreclosure proceedings started but did not complete and that that it should reflect in the history. However in the current status the loan shows as foreclosure. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency XXXX and the lender and both seem to believe that Foreclosure is the correct status. 
While the loan transfer shows correctly with XXXX and XXXX, the mortgage company and XXXX refuse to either correct or delete the tradeline for inaccuracies. XXXX currently shows this as a foreclosure not a transferred loan. The notes are correct the current status of this Loan with LoanCare is transferred not foreclosure LoanCare refuses to update their or resubmit the appropriate code that shows transfer even though they acknowledge no Foreclosure occurred. LoanCare refuses to correct the report to show transfer closed.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

There is no way to communicate with them. I ca n't email them. My online account is alwa ys disabled. And the ir automated response phone system does not work, so calling is hard too. It 's impossible to communicate! Please help! I 've already complained to them about their phone system. No change.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (TN)

I recently filed a complaint against Jared the Galleria Of Jewelry for still reporting an account to the credit bureaus as Jared themselves when it was charged off in 2019. You responded to my complaint that My Jared account became XXXX XXXX XXXX XXXX and that XXXX sold the debt to the XXXX XXXX XXXX XXXX XXXX. I am now filing a complaint with the XXXX because this company is IMPOSSIBLE to get in touch with. I have been scouring the internet to find out how to get in touch with these people and then I find out this company is not even accredited by the XXXX. I have called twice over the last month and left an EXTREMELY DETAILED message, I have sent an extremely detailed and frustrated email, responded on their home page to the contact us form. Nothing. Not a word. These people have a debt that I am busting my XXXX to pay off thats keeping me from purchasing a home for my family and I cant pay it because its impossible to get in touch with this company. I am enclosing photos of the whopping 2 reviews that I was even able to find on this company because they arent XXXX accredited, and they do not have reviews on their web page. Probably because they dont take phone calls and dont call people back or email them back. This company needs to be SHUT DOWN. The debt was originally Jared the Galleria of Jewelry, then XXXX XXXX XXXX XXXX, now XXXX. Amount was {$6700.00}.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

Citi Bank stopped sending me paper statements without notification, which caused me to have two late payments which included late fees and interest. I have paid my bill current, have never been late before and paid in full every month. I have called customer service three times and we have come to the conclusion that, when you use the online site a box pops up with a check mark already in it. If you do n't remove the check mark, you have signed up for e-statements. I find this action very deceiving, if I wanted e-statements I would ask for it. I called after my first payment was late when I received a letter advising me. I was told I would now receive my statement in paper from Citi Bank. Citi Bank did not follow through, the following month the same thing happened and I had to make my second phone call to correct the same issue. Once again paid my bill in full over the phone, and requested my statement be sent to my home in paper form. Today, I received my past two statements as I look through them I wonder if interest and fees were credited. I make my third phone call, to find that Citi bank will only credit me one month of fees. I feel this practice causes consumers confusion, I just want to pay my bill. I do not want the banking instruction to solicit me whiling I 'm banking.
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

U. S. BANK HAS FAILED ME! AS A RESULT CAUSED MANY PROBLEMS, O/D FEES ETC. 
IN XX/XX/XXXX CALLED TO DISPUTE THE FOLLOWING UNAUTHORIZED TRANSACTIONS : ACCOUNT # XXXXXX/XX/2015 UNAUTHORIZED DEBIT PURCHASE : XXXX XXXX IN THE AMOUNT OF {$890.00}. 
XX/XX/2015 : XXXX XXXX XXXX IN THE AMOUNT OF $ XXXXPLEASE REVERSE AND CREDIT MY SAVING ACCOUNT # XXXX IN THE AMOUNT OF {$1300.00} ( SEE ATTACHED DOCUMENTATIO ) THANK YOU!
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

US Bank has failed to ivestigate inaccurate charges that are listed on the attachments. 
The lied about faxes sent in relation to the charges. They claimed to of never received them despite fax receipts. 
The failed to provide documentation as to why XXXX was denied without any reason. The reason is it wasnt a vaild charge. 
I am happy to part ways with US Bank but on equal terms. They must credit me XXXX to card ending in XXXX. 
If there is a surplus on this card, it can transfer to to another US Bank card. 
I plan to pay them in full once the disputes are resolved.