davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: URS Holding, LLC (CA)

I received a call from All Trans Financial on XXXX/XXXX/2016 at XXXX XXXX from XXXX saying they were representing XXXX on a Financial Matter, This matter was listed under my bankruptcy and that bankruptcy was discharged in XXXX 2016.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (WI)

I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (MN)

I have been applying for a mortgage through US Bank. I use a local bank and they sell their loans to US Bank. The Underwriting team at US Bank has been completely unprofessional throughout the process. Whenever they have requested documents I have provided them in a timely manner. After that happens the underwriting team changes what they need. They have been unavailable for any discussion and continually put my loan request at the back of the pile with no regard for my scheduled closing date. My closing was scheduled for last Thursday at XXXX. At XXXX that day, obviously 4 hours prior to closing, US Bank made up a new issue that prevented me from closing. I immediately took care of that issue, and yet we are now a full week since that time and the Underwriter is showing no urgency at getting back to my file. I am sitting and waiting. I feel that this is an unacceptable way to treat a customer, and simply an unacceptable way to treat a human. When I have tried to resolve the matter with US Bank they tell me that they can not help me without a loan number, but my issue is the failure from US Bank at processing my loan request so I can not provide a loan number. It also takes a full week for US Bank to respond asking me for my loan number on a complaint involving them not finalizing my loan. I wish I had a loan number, if that were the case I would not have a complaint. I would like US Bank to treat me as a valued human being and resolve my issue.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

They need to remove the XXXX XXXX XXXX and bankruptcy do to fraud commented by the creditors. Illegal foreclosure. Led to bankruptcy. I lost $ XXXX do to this
Consumer complaint received 2016-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (DE)

I was never contacted by XXXX or Nelnet that my loans were in default. I was under the assumption that since I had recently stopped going to school, my loans were not yet due. I was never sent statements or received phone calls regarding payment for my student loan. Once I found out that the loans were in default, I was never offerred a restructuring or forgiveness for my lates. I took the effort upon finding out how dire the situation was and consolidated under XXXX. They have since paid both XXXX and Nelnet in full. All I am asking both XXXX and Nelnet to do is to remove the late payments on my credit bureau report since I was not made aware the laons were due and in default, they had an incorrect address for me, and upon finding out about the default, neither of them offerred me a restructuring or forgiveness. I have sent numerous emails, letters, and made numerous phone calls to both and they are both unwilling to work with me due to their error.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I purchased cruise tickets using my Chase card because of the built in travel insurance. After we boarded the ship, we discovered that the itinerary had been changed. Instead of travelling to the XXXX, the ship was going to XXXX, to which I did not want to go. I called Chase and asked whether I could cancel the trip and get reimbursed for the cost of the cruise using the Chase travel insurance. The Chase representative said yes, so I left the ship. 
When I filed a travel insurance claim, it was denied. The reason it was denied was because the cruise line offered me " something of value '', so they do n't have to pay the claim. Only if the cruise was cancelled would the travel insurance pay.
Consumer complaint received 2017-03-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (CO)

In XX/XX/XXXX I received a letter from United Wholesale Mortgage that my escrow account was going to be short and I need to either send in a payment for {$850.00}, or my monthly payment would increase. Which was weird being that I just started my mortgage with them. I mailed a check which cleared on XX/XX/XXXX. I also mailed my mortgage check. On XX/XX/XXXX I received one of their robo calls to call them back. The lady in customer service informed me that my mortgage payment never arrived. I made an over the phone payment and asked if they " found '' my check to notate I made my XX/XX/XXXX payment. I looked at my bank account online and saw they had processed my check and were still in the process of running my phone payment. I called them to ask to cancel my phone payment as th9is was money to buy XX/XX/XXXX presents. The lady I talked to said it would take 2-3 weeks and it would be better to go to my bank. I went to the local XXXX branch and explained to them what happened. They were confused why United Wholesale Mortgage would send me there, but processed a Reg E dispute. This dispute was declined by XXXX as I gave verbal authorization over the phone for the payment. We had just sent in another payment for XX/XX/XXXX which had cleared when we found this out. I call United Wholesale Mortgage and explained what my bank said as was told I had three payments process, so I was covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received a letter for United Wholesale Mortgage saying my XX/XX/XXXX payment was returned NSF XXXX ; I called to ask about this, as I never sent a check in XX/XX/XXXX. After repeated phone calls to them and countless hours spent by myself and my banker at XXXX, now I received another letter saying they are sending me to foreclosure. I have sent them, on multiple occasions, proof that my two checks have been paid, and my phone payment was processed. Every time I call them to resolve this, since they apparently have no outgoing phone lines and can not call a customer back, I have to resend the same information and am told this issue is in the cash department. Attached you will see the same item I have faxed to them over and over again. You will see two checks clear my personal account and one phone authorized payment. you will also see no credit back from United Wholesale Mortgage to My account. If my check, as they claim but can not prove, was returned, I would have that money in my account. You can Cleary see that they took three payments from me. Now they have put myself and my wife through emotional distress trying to resolve this. They have all of my proof that they have been paid, and can not provide me one item showing that they have not.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I paid my bank {$25.00} on XXXX to stop payment on a check # XXXX and described the merchant " XXXX XXXX XXXX '' with the amount of check {$490.00}. My bank paid the check today disregarding my stop payment and insufficient funds in my account. Leaving me with insufficient fees of {$34.00} each for subsequent transactions pending in the account as well as the initial {$25.00} fee for the stop payment that did not hold up. My account overdrawn over {$500.00}. The response from the bank is obs-tenant and unsympathetic. They claim since my description of the check was of by some cents they paid the merchant anyway at their desecration? I would like to as the bank to pay all fees and return my funds since I strongly believe they acted in bad faith observing my account was in danger of overdraft if they paid the check and they would be able to bill me for several overdraft fees. I also advised the bank obtaining a refund from the merchant who was double paid this month is out of the question since it is not in their normal practice to do so. If the bank had researched the transactions on my account for my best interest as they are obligated to do, they would have seen this particular merchant had already been paid by ACH in excess of $ XXXX only 48 hours earlier ; thus prompting my stop payment. I sincerely believe no one checked my account prior to paying the check and Chase should be held liable for the full value of the check as well as all fees associated with the processing of the check and subsequent transactions affected. They have been my bank for over 10 years and they should value my business as much as larger customers.
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

My Chase Mortgage Statement has XXXX payment options. I was reviewing the option to pay the mortgage off in 20 years but the payment amount indicated on the mortgage statement did n't make sense. I manually calculated the payment and came up with a payment roughly {$2000.00} less each month. I checked and rechecked, assuming I made a mistake. Then I phoned Chase, the customer service agent pulled up her copy of my statement and insisted the statement was correct. As we continued the conversation I explained what I thought was incorrect and eventually she manually calculated the payment herself and admitted the statement had bad information. However, this loan has been an interest only loan so the principal amount has been about the same throughout the last nine years. She then went on to tell me the 20 year amortization is actually based on 12 years. I questioned that since the statement says it 's based on 20 years but she said the calculation was fixed at the time of origination and that would have been the payment if we had started making the 20 year payment at the time of origination. That does n't make any sense and is misleading. There is still 21 years left on the mortgage and basically no principal has been reduced so 20 years should be 20 years and not 12. I think their making excuses for a glitch in their mortgage statement and instead of admitting it was an error they 're trying to say 20 is actually 12 years.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

I have XXXX loans, each is a consolidated loan. XXXX is subsidized and XXXX is unsubsidized. I have been on an income-driven repayment plan since the end of my grace period, which was approximately XX/XX/XXXX. I have consistently paid more than the minimum payment in order to cover the minimum payment plus all of the interest that accrued for that month 's payment. However, I was not told until XX/XX/XXXX by someone named XXXX at Navient customer service that those overpayments I had been making were not allocated in the most cost-efficient manner for me. At the time she told me this, I had no idea that was even a potential problem. I just assumed Navient would allocate the payments in my best interest because no one ever asked me how I wanted them allocated. Furthermore, I have never been told how each payment was allocated and I can not find any place on its website where it shows me exactly how each payment was allocated to my XXXX loans. Therefore, I do n't know how much extra interest has accrued because of Navient 's secretive allocation of my money. As a second, separate complaint, I was also told by a Navient customer service representative that my total unpaid balance on both consolidated loans that I see on my log-in page does not reflect each payment I make, rather those unpaid balances are adjusted to reflect all payments only XXXX times per year. Therefore, unless I keep track of every payment I make and check my unpaid balances quarterly, I really do n't know if/how my money is being allocated to my loans. ( It should not be difficult to change the website to account for each payment Navient receives so that I can have peace of mind that the payment is n't getting lost or misapplied immediately after it 's paid ... banks can keep track of constantly changing bank balances without a problem, so why ca n't Navient? )
Consumer complaint received 2017-01-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/17 at approximately XXXX I attempted to deposit {$1200.00} in cash at a Chase ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I performed XXXX separate transactions, the ATM dispensed a receipt that stated " The ATM has experienced a technical problem '' to confirm your deposit was completed properly, contact a Chase representative. I called the bank, representative initiated a claim and said I should have an answer within 12 hours. The following day I received an email from Chase that my account had been credited. I logged into my account and did not see that funds had been credited to my account. I called and was told they were still investigating, and would notify me in 3 business days. I explained I needed access to the funds but was told I had to wait until they completed the investigation. I asked to speak to a supervisor and was transferred to XXXX in the Claims Escalation Dept. XXXX provided the same response. I explained to XXXX that I was entitled to full use of the funds during the investigation. XXXX stated I was not entitled to full use of the funds, I told him Chase was required to provide me with access to the funds. I reminded him of the Electronic Fund Transfer Act and informed him Chase could be liable for penalties for not complying with The Electronic Funds Transfer Act. XXXX again said they were not required to provide me with access to the funds I attempted to deposit. He said it was up to Chase if they wanted to provide credit as a courtesy and they would respond to me within 3 days. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA and spoke to XXXX XXXX, XXXX XXXX was sympathetic to my concerns and immediately made some calls. The person he was speaking to told him they have had technical issues for the entire month of XXXX and because it was a technical issue they were not required to credit my account until the investigation was complete. I then asked her if all the other customers who have had this problem in XXXX had n't been credited as well. She said they did not receive access to the funds until the investigation was completed. XXXX XXXX asked her how many ATM Machines had experienced this problem and she said she could not say. XXXX XXXX contacted the banking office where I performed the transaction, they mentioned they had not received an email from the claims dept in reference to my claim. XXXX XXXX asked the branch to dispatch the service company to check the ATM. He gave me his card and offered to waive any fees if I was charged.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: EVERBANK, NATIONAL ASSOCIATION (DC)

I bought a house and got Everbank to to service the loan. I was supposed receive a credit ( loan origination fee, etc., were supposed to be waived ) for choosing Everbank. This is shown on the original HUDXXXX that was sent to me by the Everbank loan officer two days prior to closing. When I reviewed the HUDXXXX at the actual closing, the numbers were different. They had taken all the credit OFF of the new HUDXXXX form. The loan officer, who was present at the settlement, called his bank, and they were supposed to refund the money ASAP. This was in presence of the loan officer, title attorney, seller, buyer ( myself ), and their agents. 
Is has almost been a month since this closing date and I have not received the check. I have had to call multiple customer service. They have been less than responsive and totally put it on ME to work to get this refund which was promised to me ( really ridiculous given that this check was supposed to be mailed out the day after closing ).
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CITIBANK, N.A. (VA)

The attached letter has been sent to this undefined entity that submitted an inquiry to my credit report, having a negative effect on me personally. My personal information has been compromised and I have taken all necessary steps to protect myself, but nothing is quite perfect in this regard. This particular assault is at once nebulous and dangerous, so it must be addressed. Your help is appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MO)

I filed for bankruptcy and it was resolved XX/XX/2016. Citi Mortgage refuses to take my name off of the house. I called and spoke with several people pertaining to this matter and was given the run around. Several of the employees refused to give me Citi Mortgage bank information so I may contact them and have my name taken off the property. I 've called them several times to let them know that the house was surrendered back to Citi Mortgage. XX/XX/2016 I spoke with XXXX who told me the foreclosure processes for my house should be over within 5 months ( XX/XX/2016 ) and that 's not happened. I 'm still receiving letters from Citi Mortgage with information that I did not request. What I request they refused to give me. They refused to help me with anything I asked for.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Privacy — 
Company: CITIBANK, N.A. (TX)

I have had an XXXX XXXX card for years used as a membership card for Costco. Costco switched to Citibank for their membership. Citibank opened an unsolicited credit card in my name and sent it to me. The instructions said to activate it to authorize it. I chose not to activate it. A month lateer I got a bill from Citibank for the renewal of Costco. ' In order to settle with Citibank, first they asked to verify my personal information. After that, they said they could not cancel the card. I would have to go to Costco, and that I owed Citibank for the fee. I finally annoyed Citibank through XXXX and they decided they could cancel the card after all and reverse the charges. I want to know who gave them the personal info, Social Security, DOB etc. I never authorized this to Citibank. I want to know what actions I can take against Citibank and whomever gave them my information. I tried to resolve this through Costco, but they never responded.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (AK)

XXXX used to have an arrangement with XXXX that allowed customers to use an XXXX card to charge purchases and act as their membership card. In 2016, they changed that relationship to Citi and now use their XXXX card. 
However, in doing so, they somehow instructed Citi to issue me a credit card in my name. I neither asked for nor applied for a XXXX card with Citi, but XXXX showed up in my mailbox. Since I already have a XXXX, I destroyed the new card. About 6 weeks later, I got a call from Citi demanding that I pay my past-due bill. Having never used their card, nor having received any statements from Citi, I asked how I could owe them money. They explained that Costco had transferred my XXXX balance to Citi, and that was the past due amount that they were calling about. They emailed me a copy of the bill and I paid it immediately, and instructed them to cancel the card that had already been destroyed. 
On XXXX/XXXX/16 I received another bill from Citi with a {$110.00} balance. That balance was a result of Costco charging " my '' XXXX for their membership fee. I was surprised that Costco could create a credit card for me, transfer other balances to that card, and then add their own charge to it without so much as a nod from me, the person whose credit is affected by these actions. 
I am not an expert on consumer protection, but this seems like such an overreach that there should be a law against it. If there is not, I assure you that I will speak with my XXXX members about passing XXXX.
Consumer complaint received 2023-04-14
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. (MD)

On XX/XX/XXXX I was reviewing my Equifax consumer report information and I went through the reinvestigation results the results came back updated. Equifax stated If an item states l " Updated '', we have updated one or more fields on the item based on information received from the reporting company. Nothing on my Equifax report was changed nor was it updated. Pursuant to 15usc 1681a ( e ) the investigation must have the 3rd party to provide me neighbor, friend or associate of the consumer who knows information on this account. In order for an account to be verified a living person must be interviewed about the account. Specific factual information may not be included on my consumer credit record from the creditor which means the 3rd party creditor can not provide me their method of verification because they do not have one. Since they do not have one then I demand Equifax to remove US DEPT. OF EDUCATION/XXXX  from my consumer report for they are destroying my livelihood.