davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

IC System has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. 1692b ( 2 ) 2. 1692b ( 5 ) 3. 1692d ( 2 ) 4.1692c ( 1 )
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (TX)

Today I called Paypal XXXX Account ending in XXXX to see what my balance is since I have n't received any communication from them. I found out my account was closed and my balance was transferred on XX/XX/2016 to my PayPal XXXX. My issue is I had set up automatic payments to PayPal XXXX account for minimum payment due on XX/XX/2016. As of XX/XX/2016 to current date, minimum payment due is still being taken out of my checking account for a total of {$310.00}. In addition, I made additional payments to XXXX from another checking account for a total of {$300.00}. Thats a total of {$610.00} which were n't credit to my PayPal XXXX. I have contacted PayPal XXXX and they referred me to PayPal XXXX. I then called PayPal XXXX and they referred me to XXXX. I called XXXX and they told me to call my banks. All in all no one had a record of these payments but my banks. One of my banks asked me to send a stop payment and request a refund for XX/XX/XXXX payment. The other bank which I last paid out of was in XX/XX/XXXX. What I 'd like to know is what do I have to do to recover my money and if you can help me do so? I have documentation from my banks showing dates and amounts of payments made. I 'm at my wits end. Your help in this matter is greatly appreciated. 

Respectfully, XXXX
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NC)

I have bank statements, back to XX/XX/XXXX, that show that I have paid American Education Services ( XXXX PA ) {$68.00}, XXXX ; yet their on-line statement shows that I have only paid a total of {$30000.00} since XX/XX/XXXX. Additionally, an AES Financial Transaction Statement, that I obtained from them, shows that I paid an additional {$8200.00} between XX/XX/XXXX and XX/XX/XXXX ; although I do n't believe it reflects proper credits. In short, I have proof that I have paid {$76.00}, XXXX to AES, while they show only {$30.00}, XXXX paid ; a difference of {$45000.00}. Moreover, the AES Financial Transaction Statement is replete with erroneous late fees, which should not have occurred after I signed up for automatic payments. 
Finally, I am a XXXX veteran with XXXX and this situation is materially contributing to additional XXXX affecting my overall XXXX health.
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I disputed information that was on my Equifax credit report by XXXX and it was deleted by Equifax. But it was inserted back on my credit report on XX/XX/2017. I have requested documents from XXXX and Equifax to show proof of this alleged account. Neither can provide proof. I sent a validation letter to the company and I have sent 2 letters to Equifax for proof. I have just sent a 3rd letter to Equifax on XX/XX/2017. I have an extended fraud alert on my account. I never received any information from Equifax before this item was placed back on my account either. Unverified accounts should not be allowed on my credit report as this is a violation of my rights.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2017 I received conformation of XXXX balance transfers totaling {$7900.00} including transfer fees ( with zero percent interest until XX/XX/2017 ) I made onto my Chase Ink Mastercard. I had never requested a balance transfer before so I had called and talked to a representive for Chase prior to making the transfer. I was told that any new purchases I made on my Chase Mastercard had to be paid off every month or the balance transfer amount would be subject to the current interest rate on my account. During the month of XX/XX/XXXX between XX/XX/XXXX to XX/XX/XXXX I made cash advances totalling {$2800.00} including transaction fees. On XX/XX/XXXX I made a payment of {$4000.00}, figuring that would cover any cash advances and purchases for the month of XX/XX/XXXX, also the minimum payment due plus some extra that could be applied to the balance transfer amount. When I received my statement the next month, no money was applied to the cash advances ( highest interest rate ) I had made, instead they had applied the {$4000.00} to the balance transfer amount ( zero interest rate ). I called on two occasions and both times I was told by the Chase representive that is the way it works, when clearly that is not what I was told prior to applying for the balance transfer. After all it would make no sense for me to pay down a zero % balance when I have a balance that carries a 25+ % interest rate.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I feel as though I have been a victim of predatory lending by navient. I was steered into a tuition answer loan twice by my school and ot was not clear to me at that time that this loan was in a niche catagory meaning that it was not technically a student loan nor was it technically private. Meaning that it could not be eligible for income based repayment because it 's " private '' nor can it be claimed under bankruptcy because it is a " student loan. '' I was on XXXX at the time that I got these loans and having trouble making ends meet. I feel that I was pushed into it by my college, which is now defunct. I had a XXXX and to this day I continue to struggle being that I 'm not at a high paying job and I remain on state based health insurance ( XXXX and XXXX, which I pay for now ) in order to keep my XXXX going with very expensive XXXX. I have limited options in repayment and the amount due almost equals XXXX of my bi weekly paychecks leaving me little to live on. I was steered by navient into a " lower interest rate '' plan but had no idea that doing so would not help me pay any principal at all. Also even though my payments are on time being in this low interest plan payment has limited my options and ability to have my consigned released. I was not educated as to the stipulations of these loans and it has literally ruined my life. I continue to depend on others and my family because this has tarnished my credit history. I feel as though i would have made a better choice as to not applying for these loans had I known the turmoil I 'd go through in my life due to their damage. I think they take advantage of navet of students who are trying to make ends meet while in college and not aware of the actual terms until it 's time to repay and you are out of options. Not all of us graduate from college and land a high paying position and in order to pay these back that 's what would need to happen. And especially with these sneaky loans disguised as student loans which are not really private otherwise I 'd have gone bankrupt to help my situation. I need help and I 've been hearing of a lot of lawsuits regarding this company and others going through the same or similar circumstances. Thank you for your time.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (NV)

I opened my Barclay Arrival+ card in early XX/XX/XXXX. I had made about 7-8 purchases on the card and was awarded my points, etc. I went to use the card on XX/XX/XXXX and the purchase was denied. I called to find out why my card was n't working and they said I 'll receive a letter that my account was closed. I have XXXX in points that I wo n't be able to use now.
Consumer complaint received 2017-04-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: KEYCORP (CO)

We applied for a second mortgage through Key Bank, and the entire process was filled with delays, miscommunication, and difficulty. Though I have numerous frustrations, the one I 'm focusing my efforts on is not receiving a copy of the appraisal they demanded we get, even though one had already been completed for the first mortgage. We closed on XX/XX/2017 and have not received a copy of the appraisal to date. I requested the appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told via email, on XX/XX/XXXX, that the appraisal would be sent. I have not received it.
Consumer complaint received 2020-04-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (WA)

Contacted Reverse Mortgage Funding LLC regarding paying off my reverse mortgage, first by phone on XX/XX/XXXX, then by online submission of their payoff request form also on XX/XX/XXXX. Heard nothing so I followed up on XX/XX/XXXX by phone. Was told it had been emailed on XX/XX/XXXX, though nothing from them was ever received including in junk mail. Company emailed me the payoff quote on XX/XX/XXXX at XXXX XXXX. During the phone call on the XXXX, I asked how to keep the account open. They said to underpay by {$50.00} which would keep the line of credit open. So following their instructions I paid {$50.00} less than the full payoff quote and labeled my payment as a partial loan repayment. I paid {$220000.00} on XX/XX/XXXX by wire transfer. The mortgage company accepted the wire and in my account online the payment was recorded as a full payoff on Tuesday, XX/XX/XXXX. Obviously even though I underpaid by {$50.00} as instructed, the amount wired was adequate to pay the balance including interest and MIP prorated through XX/XX/XXXX. A refund of approx. {$400.00} would have been due as the amount submitted was an overpayment above the prorated figures. 

Thought we were all taken care of and decided to not worry about keeping the line open. Then on XX/XX/XXXX at XXXX PDT, I get a phone call from my bank ( XXXX XXXX  ) saying the wire transfer had been returned " at my request ''. I had not communicated with Reverse Mortgage Funding LLC since XX/XX/XXXX and the " at my request '' wire return is absurd and never happened. Since when do mortgage companies return loan payments " at your request ''? 

When I returned to my reverse mortgage online account on Friday, XX/XX/XXXX after the bank 's phone call, there was no repayment transaction listed and no wire return transaction listed either. In other words it was like none of this happened though my bank records clearly indicate both transactions occurred. 

I sent email to bc@reversedepartment.com ( their customer service email ) on Friday, XX/XX/XXXX and received an auto reply they had received my email. In the email, I denied asking for any funds back and that I expected there would be resolution today, Monday, XX/XX/XXXX, by reinstating the payoff as of XX/XX/XXXX meaning no more interest or MIP after that date and that the refund due on that date should be processed immediately. 

The three times I had spoken to Reverse Mortgage Funding LLC customer service prior to the wire transfer, it took being on hold for over 60 minutes each time, and when finally connected, the reps were seemingly ignorant on how to make a wire transfer payment even though the directions did come with the payoff quote. Stating they have abysmal customer service, poor business practices, and make communicating difficult at best would be too kind.
Consumer complaint received 2017-03-16
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TRANSWORLD SYSTEMS INC (TX)

A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
Consumer complaint received 2017-03-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA (ME)

I had an account with XXXX bank. A day after I deposted XXXX $ into the account I tried to log into it via online and it said to call customer service. When I called I was directed to a " supervisor ''. This supervisor told me that my account was closed because I was " committing fraud ''. When ask to clarify he said he did n't have to explain to me, and when I asked to speak to his supervisor he said that he did n't have to and proceeded to hang up on me. 
When I called back I talked to a gentleman named XXXX. After putting me on hold for ten minutes after explaining my previous phone call and also requesting to speak to a supervisor he proceeded again to tell me that he talked to " everyone '' and that they decided to close my account because I am committing fraud. When ask to clarify he said he could n't and also when asked to speak to a supervisor he also said he could n't. When I asked if there was a phone number of a complaint department he proceeded to put me on hold for another ten minutes before I hung up because it seems pointless to me. 
My bank account from XXXX was linked externally to an XXXX Account that is funded by my employer XXXX, no where else. So for them to I am committing fraud and to not give me any information, and also not letting me talk to a supervisor and being rude and hanging up on me I would like some answers please. Thank you so much
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2017 I sent a dispute letter to XXXX requesting validation of this debt - including an item bearing my signature. All I received in response on XX/XX/2017 was XXXX Credit Card statement. I again requested validation on XX/XX/2017, and again received no further information to validate the debt. On XX/XX/2017 XXXX claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XX/XX/2017 asking several specific questions to validate my debt, and on XX/XX/2017 XXXX again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (FL)

I visited a merchant in XXXX, XXXX and purchased a {$20.00} hat with my Barclays credit card back on XXXX XXXX, 2017. The merchant charged the correct {$20.00} to my card, but seems to have also fraudulently charged {$120.00}. I disputed the charge with Barclays because I never authorized it, was never made aware of it by the merchant, and it was fraudulently charged. Barclays responded that they would not remove the charge because the " chip was used. '' The merchant asked me to hand him my card so he could run it, I was unable to see what he was doing on his end. When he showed me the screen, the correct amount of {$20.00} was displaying, so if he did it before showing me the correct amount, I have no idea. The purchase was not treated as a Chip + PIN purchase as it never prompted me to enter my PIN. I could understand Barclays argument if I had entered a PIN, but just because the card 's chip was used does not mean that I authorized the charge. By that flawed logic, one would be responsible for charges a waiter makes when he takes your card to the " back '' to run your bill. I am sure that neither Barclays nor the merchant will be able to produce a signed receipt in the amount of {$120.00}. Barclays went even as far as issuing me a NEW card with a different number when I reported the incident, but refuse to refund me the {$120.00}.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report from Experion via a loan request through XXXX XXXX XXXX. Under Key factors affecting my score was listed : Number of delinquent accounts. I have no delinquent accounts and have never had a delinquent account
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I disputed with Equifax about a collection with XXXX in the amount of {$2600.00} on my account that is not mine. I did not and could not have due to I was never in that state at the time. Equifax says it comes back verified but never provided me with proof of verification as I requested.
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IL)

Dear Sir or Madam, WHO : I am a XXXX male who was XXXX while in military service during the XXXX. It is my opinion that Chase Bank Credit Card Services is attempting to avoid their statutory obligations relative to statutory credit card services. They are attempting to avoid procedures relative to a disputed debt practice. 
ISSUE : In XX/XX/XXXX I disputed a debt with a contractor, XXXX. 
The contract is dated XX/XX/XXXX, the work began XX/XX/XXXX, and the last day the contractor was on site was XX/XX/XXXX. The contractor failed to use material specified in the agreement, damaged what they did install, and failed to install a shower door. To compensate me for the inferior materials, damage, and failure to perform as stipulated in the agreement, Chase was asked to withhold {$500.00} from two payments totaling {$2800.00}. 
On XX/XX/XXXX, I mailed a copy of my contract with the merchant and a letter detailing contractual deficiencies. On XX/XX/XXXX, Chase sent a letter telling me that my claim had not been approved. 
On XXXX I called XXXX. I was told that the decision could not be reversed but I could repeat my dispute and send in more information. I explained other than a copy of the contract, and a detail of items wrongfully substituted, damage caused by the merchants contractor, and failure to install the shower door, could not provide any other relative information. All the XXXX customer service could say was " send more information ''. After 45 minutes, I had accomplished nothing and asked to speak with a supervisor. As the supervisor had eight call waiting, I decided to simply request a return call. 
The following day, I again called Chase XXXX, and talked to a second customer service representative. She transferred me to a third Chase supervisor who asked questions that had no nexus to my claim. The federal statute which provides for a disputed claim process with a merchant does not permit Chase to inquire or provide information that has no relevancy to my dispute. 
Feeling very frustrated and agitated, I simply asked the last customer service supervisor to terminate my Chase account, and provide an explanation as to why anymore information or documents was necessary to substantiate my claim. Unless I receive a response from Chase that is relevant to their denial of my claim, it will take judicial action by Chase to recover the alleged amount in dispute. 
RESOLUTION : All in all, correspondence and phone time, I spent more than eight hours on this issue. Enough is enough. Please assist in validating my claim and clearing the charge on my credit card.
Consumer complaint received 2022-08-04
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)

I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I sent a certified letter on XX/XX/XXXXit was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX/XX/XX/XXXX for the Seller- XXXX XXXX XXXX Merchant-XXXX XXXX. 
Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

When Navient took over loans they had both my Federal and Private loans listed. I accessed the web site and found the loans. I sent payments ( enough for all the loans ) to the new address each month. After approximately a year I got a letter stating I was in default. I had proof of electronic payment. The Navient representative stated that she could not see all loans on my web site even though I could. The full payment was being applied to the other loans and interest and late charges were added to my private loan. The added charges were approximately {$4000.00}. When I asked why they could not see that the payments were applied to the other loans they said could but there was nothing they could do to reverse the charges. I have had to make separate payments since then. Additionally they keep raising my payment. It is like dealing with loan sharks! Original loan was {$22000.00} After almost 8 years my balance is $ XXXX.Their site shows a grand total ( combined loans ) yet they can not service them together!