davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (ME)

On XX/XX/XXXX, I consolidated my subsidized and nonsubsidized Stafford student loans through XXXX ( XXXX ). I signed a contract for consolidation because the fixed interest rate would reduce from 2.875 % to 1.875 % after 48 timely monthly payments, which it did during XX/XX/XXXX by Nelnet, who became the loan servicer XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Nelnet indicating that my interest rate was " adjusted. '' Upon an online review of my account, I noticed that the interest rate increased back to 2.875 %. I called the customer service number three times and was informed that effective XX/XX/XXXX my student loan rate was increased by 1 % to 2.87 %. The Nelnet representatives informed me that I was no longer eligible for the reduced rate because of an error. I requested specifics and was told that no further information was available. The representatives refused to allow me to speak with a supervisor. 
The attached documents clearly support my narrative. Should you require additional documentation, please let me know. Thank you for your assistance in this matter.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

On or about XXXX/XXXX/17, Chase Automotive ran a " hard inquiry '' on my credit report. This will have a negative impact on my credit score. I am up to date with all monthly payments so there would have been no reason to do this. I did not request any additional services from their organization either.
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

i check my credit report today and i see XXXX account in collection for XXXX agency collection afni i spoke whit XXXX and the address they tell-me about that i never lived in that address before and i never sign any contract whit them for any cable.
Consumer complaint received 2023-02-24
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

I contacted my lender on XXXX XXXX, regarding a hardship I am experiencing in keeping my home. I received phone communications from XXXX XXXX of JPMorgan Chase, Executive Offices. On or about, XXXX XXXX, 2016, XXXX XXXX advised me that there was nothing her office could do to further assist me and that I would receive a letter from her office in the mail stating the same. I received a letter in the mail from JPMorgan Chase 's Executive Office dated XXXX XXXX, 2016 referencing my Deed of Trust and stated that the same was enclosed ; however, upon closer inspection, my Deed of Trust was not enclosed. The Deed of Trust belonging to an entirely different borrower ( a male, from XXXX California 's ) Deed of Trust was enclosed with my documents. I find it inexcusable that Lender, their Executive Office, no less could be so careless and reckless by sending confidential loan information to the wrong persons. It also grieves me to wonder where my information was sent and what information is now floating around about my property and financial situation. I am hereby asking that your office investigate the matter.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (TX)

I began to receive calls, in XX/XX/XXXX, from CKS, from debt collector XXXX. XXXX who threatened to take legal action. From there on, I kept receiving calls from CKS from an automated dialer, which was done without my express or implied consent. I called to complaint and on XX/XX/XXXX I was finally able to speak to someone in the COMPLIANCE DEPARTMENT. I spoke with XXXX XXXX, who told me that they are in compliance with my calls and completely ignored my questions to her when I asked " Do you have my express authorization to use an automatic dialer to call me on my cellular phone. '' She told me to file a complaint with the CFPB or speak to an attorney.
Consumer complaint received 2015-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Since Green Tree Servicing has taken over the servicing of my home loan they have relentlessly called me every time my payment was even a day past due, sometimes XXXX times per day. They have also ( on XXXX occasions ) falsely reported to the credit bureaus that I have been 30 days delinquent on my mortgage. They are difficult to contact and just plain rude when I am able to get hold of someone. I do n't understand how a company such as Green Tree is allowed to operate using such malicious tactics.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

Short ver : Graduated college, could not find a job like most. 
XXXX income but some money in savings, Called XXXX XXXX and later Navient about what options do I have for someone with no income and about XXXX in savings and both loan servicers said flat out do a deferment with no mention of any of the other repayment plans such as income based and income contingent plans. IBR would have been perfect because I still had some money in the bank to at least pay something to lessen the interest hit. The reason is they make more from the capitalized interest than on another other applicable payment plan.
Consumer complaint received 2017-03-29
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)

My loan was originally a Federal Student Loan, has been consolidated under Navient. I have asked Navient that, if I pay extra that what is due, can it be applied directly to principle. The response I have been given is no. If I pay extra, they will recalculate my payment and it will become the new amount due. I do not want this to happen, because, while I can pay extra now, if I needed to take a month off from that and just pay the original amount, I would be penalized. I again asked if I could send in an extra payment during the month with the instruction for it to be applied directly to principle, and Navient responded that this is not possible, and they would pay interest ( aka themselves ) first, therefore reducing the amount of principle that is reduced. I did some research and it appears that I should be able to make this request to Navient, as other loan companies will accept this type of direction from the borrower. Navient refuses to consider this without changing my payment amount permanently. Unfortunately I am stuck with Navient and have had multiple complaints about their service and the way they process payments.
Consumer complaint received 2015-05-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AR)

This is my XXXX complaint on a different subject. Citi Mortgage agreed to a short sale on our home and even told our real-estate company the price to ask for the home. We have had offers above and beyond the set price but Citi mortgage at XXXX declined the offers and now they tell us they never said they agree to a short sale and have no idea what we are talking about, even though they told us and our real-estate company XXXX that they agreed ( And gave our broker the price needed ) many times, and now they have changed their minds and will go ahead and foreclose. This is at least the XXXX time we have caught them in lies. Another thing that happen after my XXXX complaint was they called us and chew both my wife and myself out for reporting them to you. They were so rude that I had to hang the phone up on them before I said something I should not. It was very degrading the way they spoke to us.
Consumer complaint received 2016-05-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Citibank offered XXXX XXXX XXXX points for signing up for a Citigold Checking account if you meet the requirements of the promotion. I secured message Citibank with reference # XXXX in which they confirmed I completed the requirements for the promotion of XXXX on XXXX XXXX, 2016. They told me I would get my XXXX XXXX points within 90 days. After 90 days they told me they I dont qualify and there was no such thing. I have screenshots of our emails and the promotion email. I opened multiple investigations with them and each time they denied me, or strung me along with " give us 1-2 more business days. ''
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

CITI CARD DOES NOT CARE AT ALL THAT THEY SEND ME OVERSEAS AND WHEN IT COMES BACK THAT I CAN NOT HEAR AND MY ADA ADVOCATE ALSO TOLD THEM NO OVERSEAS. WHEN IT COMES BACK I CAN NOT HEAR THEM. IT IS SO BAD. FLORIDA OFFICE IS JUST AS BAD AS OVERSEAS ALSO. THIS HAS BEEN TOLD TO THEM SO MANY TIME. THEY DO NOT CARE. THERE IS NO BANK IN THE AREA TO GO TO AND I AM READY TO CLOSE MY ACCT DUE TO BEING FOUGHT WITH OVER AND OVER TO HEAR. 
I CAN NOT HEAR WORDS HE IS SAYING IN FLORIDA AND HE WOULD NOT TAKE IT SERIOUSLY EITHER, IT REALLY WAS THAT BAD AND THIS IS NO LONGER FUNNY OR A JOKE AND I AM SO TIRED OF CALLING BACK FOR HOURS JUST STRAINING FOR HELP AND GOING OVERSEAS AND TO FLORIDA WHO DO NOT CARE AT ALL. 

MY ADA ADVOCATE XXXX TOLD CITI CARD TO NEVER SEND MY ACCOUNT OVERSEAS OR TO FLORIDA AND STILL IT IS HAPPENING, I CAN NOT HEAR OR UNDERSTAND. GET IT OK.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

XX/XX/XXXX I found an article on the internet that described a citibank consumer promotion. The promotion was open a new checking account, deposit {$15000.00} and leave this deposit in the account for 30 days, then leave at least {$10000.00} in the account for an additional 90 days and earn a {$400.00} cash bonus. 
I contacted citibank, talked to a banker on the phone because there are no branches in Minnesota, said I wanted to enroll in this promotion ( citibank 's promotion XXXX ) and opened an account and deposited {$15000.00} on XX/XX/XXXX. 
After 30 days I withdrew some of the deposit but left {$10000.00} in the account until XX/XX/XXXX ( 90 days ). Before I withdrew this money I called to check I would still be in compliance with the terms of the promotion and was assured I would be. When I asked for a conformation letter to this effect I was told the rep could not send me letter but do n't worry. 
Over the last 90 days I have talked with several citibank customer service reps and several supervisors and was assured I was in compliance with the terms of the promotion and would earn the {$400.00} bonus. 
Supervisors I talked with were XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX who opened an inquiry into the situation, case XXXX, and several other reps. I was assured the bonus would be paid after XX/XX/XXXX. 
Today is XX/XX/XXXX and I still do not have the bonus. 
I called again on XX/XX/XXXX, reached a supervisor named XXXX and was told since an inquiry was opened it would take 45 more days to resolve the inquiry ( first time I had heard this ) and the promotion might not be targeted for me ( first time I had heard this ) since I might not be the target audience for the promotion. 
Several times during this period I asked for a letter confirming the offer and was always told they could not send me a letter but do n't worry everything was fine. 
During this period when I asked to talk with someone with more authority ( since these people were giving varying pieces of information ) I was told this was impossible. 
Several times I was told to go to a citibank branch and talk with a banker but pointed out this was impossible since there are no branches in Minnesota. 
I need help to get an answer. This is feeling more and more like a scam. It is a case of big international bank vs. little consumer.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AZ)

XXXX has sent a bill that I have disputed as identity theft to another collection agency. I would like XXXX to close the bill out completely as identity theft and quit out sourcing the loan.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I signed up for a CitiGold checking account promotion where XXXX bonus points would be granted if bill payment was used twice within 60 days. I have electronic confirmation that the promotion was linked to my account, that the requirements of the promotion were met, and that the points would be posted by XXXX/XXXX/16. On XXXX the points had not posted, so I inquired through chat and was told that they were scheduled to post that day. They did not post. 

I recontacted Citi on XXXX/XXXX/16. I was told that an investigation would be opened and I would be contacted by XXXX/XXXX/16 with the results. There was no contact on XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again and was told that they have no record of me being targeted for the promotion and the promotion was being denied. This is despite me having XXXX different confirmations by Citi - that the promotion was tied to my account, the criteria was met, and that the points were scheduled to post.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I received a letter in the mail from a collections agency regarding a past due amount of XXXX on my Macy 's account serviced by Department Stores National Bank. Upon review of my previous statements by loging in online I saw that my last purchase was in XX/XX/XXXX. At this time I called Macy 's customer service department to determine why I had not received any bills or notices of a delinquent account. I was told I was signed up for paperless billing and that my e-bill 's had been sent but rejected by my email. Every subsequent bill was therefore sent to this same email and was also not received. So after 6 months of being past due, with late fees and interest incurring, my bill was sent to a collection agency. I continued to receive coupons in the mail as well as coupons in my email but not bills. Not once did I receive any written communication in the mail, a bill in the mail or a phone call. I was told by the customer service agent that I would now have to settle the debt with the collection agency.
Consumer complaint received 2016-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

This complaint arose because I was denied PSLF credit for my XXXX XXXX military service. 
I applied for PSLF on my federal student loans, which were incurred in XX/XX/XXXX. The PSLF program took effect in XX/XX/XXXX. I served on XXXX XXXX in the military from XXXX XXXX to XXXX XXXX and received no PSLF credit for the time service. I provided my XXXX, am a XXXX veteran. I want my military service, which included XXXX, to be credited for purposes of PSLF. Instead it appears the federal student loan company is relying on technicalities to deny me PSLF credit for my military service. This is unconscionable. Please make it right. PSLF exists to encourage and give credit for public service. The program should not rely on nonsensical technicalities to deny earned benefits to those who have sacrificed themselves in service to the public and the nation. 

Thank you, XXXX XXXX
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Hello, My father and I have the same first name and last name the difference is that i have a middle name. When i am trying to do anything with a credit check using my SS # his credit information comes up. Trying to gather my information from the credit bureau i am unable because of information that i can not provide.
Consumer complaint received 2015-04-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WA)

I am a realtor in the State of Washington. I represent a buyer who had an offer accepted on a short sale in XXXX, 2014 with Chase Bank. We do not have short sale approval. In XXXX we had an a BPO and appraisal and were told Chase would not counter and we were going to approval. To date we have not yet been approved. We are concerned Chase is stringing us along until prices increase and then will charge a high price. Other short sales in the building have closed already. We are worried this is deceptive business practices.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Kindly my oldest credit card of almost 2 years XXXX XXXX is not showing on my " Equifax '' credit report although it 's showing on my XXXX and XXXX reports, I contacted my creditor XXXX and confirmed that they are reporting to Equifax but Equifax refused to add it to my report for some reason I could n't even know, I have been trying to resolve this issue for months with no luck, mainly due to Equifax being a horribly structured company where they asked me to get XXXX in a conference call to be able to help me and when I did that after a few days Equifax said we are sorry we ca n't help you nor transfer you to any department who can help you. 
Worst experience of customer service in my life is dealing with Equifax , I honestly ca n't believe how they are still in business!
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

My husband and I submitted an application to refinance our home on XX/XX/XXXX. Our loan officer notified me on XX/XX/XXXX that he was unable to get my Equifax score and could not continue with the loan process until he could get it. On XX/XX/XXXX I called Equifax for the first time to resolve this issue because since I wasnt able to retrieve my score or report on their website. Their automated system told me that they couldnt find me after I entered my social, birthday, address number and zip. The line then immediate says goodbye. I emailed customer care, I have called back at least 3 days a week, and I mailed them a dispute with all of my identifying information on XX/XX/XXXX via certified US mail. They received it on the XXXX. On Monday, XX/XX/XXXX someone named XXXX with Equifax customer care returned my email and told me that my case was escalated and someone would contact me by XX/XX/XXXX. No one called or emailed me to resolve this issue. We are at a standstill on our refinance because Equifax will not respond to me.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

Chase cards out of XXXX Ohio continues to charge me interest monthly, even though I pay my bill in full monthly by the XXXX of each month.. I have called time and time again 3 months now in a row their dispute department, and still they can not seem to properly correct the problem. They tell me I did not pay my bill on time which is incorrect. 
They seem to be very incompetent. I am requesting that Chase makes sure to solve the issue immediately or I will be dropping there services and banking. Also they refuse to agree with me on over charges from an XXXX XXXX 2015 statement bill from XXXX XXXX XXXX in XXXX XXXX of a {$50.00} credit. Reason .... XXXX XXXX billed us for two nights and we stayed one night. We arrived late the next day due to traveling complications. And my wife and i stayed one night. I submitted all paper work to Chase dispute with a negative response. I paid a deposit of {$34.00} and then got billed another {$100.00}. The room we stayed in is {$65.00} a night not {$100.00} a night. This included the resort fee etc I am a long time customer of Chase with good credit who pays my bill in full monthly. I expect better service with support. I 'd like an executive to call me at home XXXX eastern time any morning and solve these XXXX issues for me.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

i have navient ... they refuse to work with me and i owe over XXXX currently i am paying XXXX month. my XXXX XXXX XXXX father is paying XXXX month for me, because i am a XXXX and single mom. please help me!!!!
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I continuously try and pay my student loans with Navient.com, but everytime I go online or call to pay my loans it says my balance is {$0.00}. I know I owe at least {$48000.00} approximately. I am getting very frustrated trying to pay when I am unable to.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016, I logged onto CitiCards.com to pay XXXX bills associated with XXXX credit card accounts I hold with them, as I do each month. Due to my financial circumstances, I can only afford to pay the minimum payment on each card right now. I paid the minimum payment amount on each card like I 've been doing for years. No missed or late payments EVER. These funds usually get deducted from my checking account. I go to use my checking account debit card today XXXX XXXX XXXX XXXX to buy groceries and it 's declined. I check my checking account to see that a total of {$14000.00} has been deducted from CitiCards to pay off the remaining balances on my cards. I assumed this was due to an error with their online payment system, because I did not authorize them to do this. I called CitiCards, and all they could tell me was, " Sorry, there 's nothing we can do, the transaction is in place, call your bank. '' I 'm sorry, but as a customer for several years, with no late payments or other issues with previous transactions, I do n't think this an acceptable way for a credit card company to act to a customer who just had several thousand dollars incorrectly deducted from their checking account. They did NOTHING to try to resolve my situation as I was hysterically crying on the phone. We are about to be hit with a blizzard in my state, and now I have no money. Basically they just said it was an issue between me and the bank that I hold my checking account with. I do n't believe there is nothing they could have done to stop this transaction. As a major financial institution with billions of dollars, I doubt fixing my error would be a huge sacrifice for them. They need to accept responsibility for their operations. Disgusting.