davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (NC)

They keep calling my number and asking for my daughter who does n't live with me for 5-6 years or longer and who is XXXX years old.I try to talk to with some persons try to tell them that we are not in good relationship and that I do not know where she is, but they just keep calling me and switching the numbers that they call me from.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MI)

I opened an account in order to do a balance transfer from a Citibank card to XXXX XXXX. I attempted the transfer online but it did n't seem to work and I never received a confirmation from XXXX XXXX. I contacted them and did the transfer over the phone a day or XXXX later. The transfer took place but I noticed a negative balance on Citibank. It turns out the first transfer was processed. I have contacted Citibank to get a credit to my bank account to set everything straight. Citibank said the credit would happen in 3-5 days but it has now been 10 days. I contacted them again and now they are saying it will be two weeks.
Consumer complaint received 2016-09-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (WY)

My grandmother got a loan from Citifinancial and they put a lien on her house until the loan was paid in full and she was also told she had to purchase the insurance in case of XXXX or death. She purchased insurance and eventually she had a XXXX and when I called to ask what the insurance will cover Citifinancial told me it was only payable upon death. Later they sent her a letter stating the insurance will expire XX/XX/2015 and would no longer have insurance on the loan. Unfortunately my grandmother passed on XX/XX/2015. When attempting to make an insurance claim, and they deny the claim stating she had no insurance although they we 're charging her for it.
Consumer complaint received 2017-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I had an original student loan amount for about {$34000.00} as of XX/XX/XXXX. My payments have ranged from {$360.00} to ~ {$330.00} a month for the past 16 years. I 've asked my loan servicing company for the formula they use to calculate repayment amount and period and they defray the question. My loan has been serviced by XXXX, XXXX, and now, NAVIENT. According to my calculations, using the lowest payment of {$330.00} x 192 months = the result is {$64000.00}. Therefore, according my calculations even with deferements and a forebearance, the original debt of {$34000.00} should be paid up by now with a profit to the loan servicing company of {$30000.00}. Please help! 

Additionally, I have another student loan with an original principal of {$16000.00} which I have been paying off since XX/XX/XXXX at the rate of {$180.00} per month. Hence, {$180.00} x 96 months = the result is {$18000.00}. So once again, according to my calculations that debt should be paid up as well. 
I believe, that the loan servicing practices are fraudulent ; I believe they have reset the loan repayment periods every time the loans transferred from one servicing company to the next. They have also imposed deferements ( which adds interest to the principal ) without my consent even after I 've told them not to and to continue drafting payment from my checking account while in school. 
Please help!!!!! 
XXXX
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

bought a computer part and returned it back but I did not receive my money back as promised by buyer protection policy. Instead, they decided to permanently limit my account. I'm not sure of the reason behind this because I did not do anything wrong. I'm very confused about what happened so I decided to call someone at PayPal but they said the decision is final which is okay but I just want my money back for something that I returned.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Vengroff Williams, Inc (NV)

A truck was rented and stolen from XXXX by an individual that used my credit card and impersonated me over the phone. There is an active arrest warrant for this person. XXXX advised me to call my credit card company, XXXX Bank, and dispute this transaction. XXXX XXXX investigated and credited the resulting charges back to me. I was verbally informed by XXXX loss mitigation that I had no outstanding balance. This was in XXXX of 2014. This year I have been contacted by a collection agency and was advised that XXXX is trying to collect the fraudulent charges from me. I called XXXX and they were no help and told me that the charges were my responsibility even though they were fraudulent. The total amount they are trying to collect is {$1200.00}.
Consumer complaint received 2015-07-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AVANTE (GA)

Avantes USA opened a claim on my credit report on XX/XX/XXXX ; whereas the original debt was XX/XX/XXXX. Per law you can not open a new claim on my credit report for an old debt as if it was new. 
XXXX XXXX did not notify me within 141 to 181 days from the first time I defaulted on my so call payment for which I never received a letter for nor my right to dispute the debt. Further by opening this new claim on my report Avantes USA acts as if this debt was contracted XX/XX/XXXX, thereby inaccurately reporting the " original time the debt was actually defaulted on ''. Keep in mind XXXX XXXX waited 6 years to turn my account to collection and did not report anything on my credit for that 6 years as well.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

Dear sir. 
I HAVE DISPUTED THE FOLLOWING NAMES AND ADDRESSES FROM MY CREDIT REPORTFOR SO MANY TIME, BUT XXXX AND EXPERIAN NEVER ACKNOWLEDGE THE FACT BEHIND THE DISPUTE. 
I attached a copy containing the names and addressesI also attached a copy my utility bill as a proof of my name and address
Consumer complaint received 2015-11-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC (FL)

DNA has called my cell phone saying I have a debt, and to please contact them. I called to be told by a recording, this is attempt to collect a debt. I later heard from a representative asking if it is okay to continue on. I agreed to hear what they were talking about, and the process begin. I was asked all my personal information to find out they were harassing the wrong person, I did not want to disclose my personal information over the phone. After they told me they had the wrong person and the name given was my mother. I asked them to disclose the debt since they had asked me, my personal information, I was told I was n't on the account could not disclose her personal information without her consent. I did not give my mother my consent to be a credit reference. I 'm highly upset, there should be a law against putting a person on a loan for credit reference without their consent when applying for a loan.Also stop debt collectors from perusing non applicant ( credit references ).
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CA)

I was informed in XXXX 2016 that I had an outstanding balance for a PayPal credit card and yet had no idea that I had signed up for a PayPal credit card. I allegedly signed up for the account in XXXX 2016 and never used it until XXXX 2016. To be clear, I made the XXXX 2016 transaction thinking that I would be billed to my pre-existing credit or debit card account. 

I called the PayPal customer service representative who told me I allegedly went though a credit application process. He also confirmed that I may have confused their credit application button with their payment transaction button. He also confirmed that PayPal does not ask standard credit card issuer application questions ( e.g. what is your income? ), which would inform the standard credit borrower that they were in fact applying for a credit card. 

The damage is first to my credit score. I have had an outstanding score for my entire adult life, and it 's partly because I do n't frivolously apply for credit. Their hard credit check, in addition to my history of applications for another line of credit, damages my reputation to various critical parties, i.e. renters, employers, future loan issuers, etc. 

I 've gone so far as to ask PayPal to unlink this new credit card from my account as I do n't wish to give them my business. I 've also read that a previous class action suit in Maryland represented several similar complaints.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I Have a mortgage loan with CITI Mortgage. Since it is a variable loan i have been making {$3000.00} principal payments to reduce my balance. I just to include the additional principal with the payment and write down the additional principal amount on the coupon. Several times they misapplied the payment and applied it to the interest and the escrow amount. i have called them many times and it takes a lot of time to get them to correct their mistake. i then talked to a supervisor and was told to make a separate check. I started doing that but every once in a while the payment is miss applied. I dont know what else to do to get them to stop miss applying my payments. If it is happening to me it must be happening to other borrowers who may not look at their statements carefully.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I have contacted Equifax 's departments in regards to complying with federal law and statutes on my credit reports under the following federal acts regarding credit reports. The following acts Equifax is not complying with is as follows fair credit reporting act section 609, Federal Trade Commission fair debt collections practices act of Time-Barred Debt of Seven to Ten Years. I have contacted the subscribers of my inquiries and they have advised me they had no issues and to contact Equifax of which Equifax have been uncooperative in removing inquiries as well as an account for XXXX that was written off to collections of which XXXX sent to the collection agency to collect which means they forfeit their right to collect the account. I also tried to report to them about cleaning up and deleting historical information which has lead to identity theft of which I now have identity theft insurance with XXXX companies because of their refusal to purge it and update my records as I requested two years ago. I am doing this as a last resort before I file lawsuits against them in federal court for non-compliance with federal laws and state statutes.
Consumer complaint received 2016-06-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

On XXXX/XXXX/2016 I attempted to set up auto pay on the Navient website. They said it was not available. I waited until XXXX to try again. They have already marked my payment late. This is the second time since they took over the loan I have been prevented from making a payment and been marked late. My loan was suppose to be income sensitive. It has lost that status since they took it over.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (FL)

Lexus Nexus a reporting agency for driving records, has me down as having XXXX wrecks 1 : XX/XX/XXXX and 2:XX/XX/XXXX. after several calls I finally got the right phone number to dispute this. After speaking with them they realized they had a data entry error and was 1 number off on either my social security number or my drivers license number. They said they would put in a dispute for me BUT it takes up to 30 days to correct. Now I ca n't get insurance at a lower rate because of this company. It took them Mila seconds to mess up my record and will take them up to 30 days to correct. It not only happened to me but also my sister and my niece. I 'm asking that you please help me get this correction done sooner.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (NY)

I took a 0 % interest credit card transfer from my at & t Universal Card. The interest free period was to end XXXX XXXX, XXXX. I set up auto payments to insure the entire amount transferred would be paid off before the interest free period ended. I took a separate second 2.9 % interest balance transfer that is to end XXXX XXXX, XXXX. I inquired with the company that if I did that would it interfere with paying off my 0 % transfer. They advised me if I paid the minimum payment, any amount above would go to my balance that was expiring first. I paid off more than my 0 % transferred amount before XXXX XXXX, XXXX ( I owed {$1300.00} and I paid {$2100.00} by XXXX XXXX, XXXX ). The manager today told me as per the Federal Government they pay off the higher interest first, even though I specifically designated this payment to go to the one where I would be hit with a balloon back interest payment. So rather than being charged {$35.00} for 2.9 % interest they are charging me {$1300.00} for not paying the transferred balance by XXXX XXXX, XXXX. It is ridiculous!!!
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NM)

I have called  Seterus, Inc  XXXX   XXXX  times trying to obtain paperwork for a Recast. I am trying to make a large payment to my mortgage because doing business with Seterus is a nightmare!! They refuse to let me make a large payment to the principal loan, and have denied the paperwork to me. I need to make a large payment immediately, but they are not willing to take it. I know that my loan does not have a prepayment penalty, and they should let me pay what I want to pay to my loan. Can you please help?
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

I submitted my mortgage payment on XXXX XXXX which was due on XXXX XXXX. I received a call from Ditech in XXXX that my mortgage payment for XXXX was late. After informing the person that my payment was submitted on XXXX XXXX, the person said the payment was incorrectly applied to the principle and they would send a request to fix the problem. I continued to receive calls and letters from the company that I was delinquent on my payment. I have called or spoke with Ditech at least 6 times and they said the mistake would be corrected each time I spoke with them. 
After XXXX weeks of trying to correct this mistake, the issue has still not been resolved and I continue getting calls letters from the company stating that I am late on my payment. I keep getting excuses that they are updating the computer system and they do not know why it is taking so long.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (FL)

I have a balance transfer offer with Citibank that expired in XXXX. I plan on paying the entire balance in full. By XXXX XXXX, Citi charged {$39.00} to my account. I want to get these fees waived, but have had difficulty in the past doing so with this bank. Been a Citi cardholder since 2012, never made a late payment and my credit is excellent. Recently, I spoke with a Citibank representative. They were able to reduce my interest rate. This happened before the interest charges posted on my account.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

there were fraudulent charges on my card. i called up on XX/XX/XXXX to report them them and get a new card sent. i was told i would receive in 1-2 business days. after not receiving the card on thursday i called back. i was told the card was sent via regular mail and they would expedite another. monday, after not receiving the card i called back. they said the card was sent but they didnt have any tracking and they would issue another one. i still have not received my replacement card and i have not received any type of email from citi bank
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX and XXXX XXXX XXXX reported to the Equifax that I applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2017-05-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

The company has written the loan off as defaulted on my credit report. I received several calls from them during a time where I had no employment and was unable to make any payments toward the loan. The calls began in  XXXX  and ended in  XXXX . I now have another bad mark on my credit report becaus e Navient w ould not give me any options other than a : Pay full amount b : pay monthly payments c : pay a settlement amount.     Obviously I was unemployed so I was unable to fulfill any of these options. I was not given any options in regards to putting the loan into forbearance or income based options. As a matter of fact I was advised that the loan did not qualify even though it was a student loan.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase filed a foreclosure action case number XXXX, they would not allow a modification or honor the consent agreement. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth-less.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

On  X/XX/2017    I received an email from Chase Bank alerting me to a charge made on a credit card that I had not made any charges to in probably a year or more. Also, the credit card had not expired and Chase made a duplicate of the card and mailed it to me without asking if I wanted a newer version of their card and extra business services attached to the new card. I never received the new card and charges are being made to that card and  Chase  maintains that the interest rate is why my balance is over {$2300.00} on a card that has not been used in over a year. The credit card max balance is {$2500.00} mind you. So in all of that time that the card had not been used and {$75.00} per month was being paid per direct withdrawal, I had not even paid them an amount to equal {$200.00}. In addittion on the credit card website providing my balance statement and charges, it clearly states that my payments are {$68.00} but if you check how much I have been charged, the amounts are usually in the $  XXXX  range. I feel so cheated. Please investigate  Chase  's business practices as it is likely their predatory style is the norm for millions of other  Chase  credit card holders. Thank you in advance.  XXXX   XXXX
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (IN)

I got a Care Credit card at my children 's dentist office, we were told that we had a certain time to pay off and if it was n't paid off in a certain time then we would have to start paying interest. I ended up using the card again for other medical bills, and later found out that the money I was paying was going toward the most recent transaction instead of the oldest, so I started getting billed interest. So now I was paying on bills and interest that I should have never had to pay. I actually called a few times and customer service put my payments on the old transactions for me and actually told me that was what I would need to do in order to have my payments go toward the right transactions. And I actually found out that I was still paying on a bill for XXXX years ago that should have been paid off long before now. So basically since this company is making sure that it can charge interest from its customers even if they are never late and pay over the minimum payment. I also found out today that I was charged {$700.00} interest. When I called they said that it was deferred interest, but when I signed up for the card I was told that interest would be deferred for however long depending on the transaction amount and if it was n't paid off THEN I would have to start paying interest, not pay all the back interest. When I looked up the deferred interest time for my last bill for last summer that I am being charged {$700.00} interest on, it says that transactions {$2500.00} and over have a XXXX month deferment period, and I had at least a {$2500.00} bill, so why did I only get XXXX months? And now I wonder if all my bills were given less time then they say. Their bills do not break down every transaction you 've made so that you can see which transactions you are being charged interest on, just the most recent and a total of the rest. I have been misinformed, scammed, lied to, cheated. This company makes it impossible to even pay back anything on time if you have used the card on more than XXXX bill. Had I known how this company worked I would 've never gotten this card to help with medical bills! I got this card to help pay medical, dental, and optical bills for me and my children and to not have to worry how we are going to pay all of this, and now somehow I am paying XXXX and XXXX times as much because of the way this company is handling the billing. They get you to get their card and then make it impossible to pay it off without interest being charged.