davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-10
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. (VA)

A year ago, I was the victim of identity theft. It took many forms, but one of them entailed fraudsters repeatedly trying to open credit cards in my name. I called every bank to alert them, I reported it to law enforcement and I worked through XXXX to freeze my credit and get free monitoring. I was under the impression I would not need to call ALL THREE bureaus since the banks were aware. Moreover, I signed up for a $ XXXX/mo credit monitoring service that showed the erroneous credit inquiries were gone. Then, after the recent news about the Equifax hack, I logged onto their site to see if I was impacted and freeze my credit report with them. I discovered that despite everything I did, they still have XXXX erroneous hard credit inquiries on file associated with me that were meant to be removed a year ago. 
see : BUREAU DATE CREDIT INQUIRY Equifax XX/XX/16 XXXX XXXX Equifax XX/XX/16 XXXX XXXX Both of the XX/XX/16 inquiries are due to fraud. I have emailed them demanding it be removed but I fear they wo n't be prompt in responding. Further, this should have been done a year ago. I have decided this must be reported to you and I urge you to investigate this, and any other cases where Equifax has failed to remove fraudulent inquiries - especially as there will be many more of these in the near future due to Equifax 's own failings to safeguard our information.
Consumer complaint received 2017-03-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I am being charged a {$34.00} insuffivient funds fee for check # XXXX I see this as un fair practice due to the fact that this check actually cleared way past business hours on Friday XX/XX/2017. I know this for a fact because I sent out a quickpay payment to my brother in the amount of {$34.00} at approximately XXXX. He then asked me around XXXX for another {$10.00} in which I logged in to see If I was able to lend him the money. I then realized i did not have an extra {$10.00} in which at that time the {$59.00} check had not posted. By Chase policy cut off time for quickpay iss XXXX. I see it very unfair if they are waiting for XXXX to charge checks to get a {$34.00} fee out of it. It is wrong and unfair to the consumer and point blank robbery. And im sure everytrhing is time stamped in transaction histories and log in histories so all this can be checked it is a fact. JP Morgan chase used to be a fair and convenient bank. With new policies and procedures it is not even worth to bank with them Anymore. " Courtesy refunds '' should be for clients and situations in which the client purposely overdrafts their account or has an emergency not for situations like this current one in which the financial institution cashes a bank past business hours in an unfair hour. You shouldnt expect someone to run to an ATM past XXXX.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

Quicken Loans I had an autopay set up on the loan. The payment amount had been the same for the entire term of the loan. In fact, I always overpaid the amount due each month. 
I moved in XX/XX/XXXX. I updated my address with Quicken Loans for all mailed statements in XX/XX/XXXX ( in a timely manner Quicken Loans contacted me by phone in XX/XX/XXXX to let me know that the impound account ( tax payment ) had increased and that I had a new monthly mortgage amount. I was traveling abroad at the time, but I DID call Quicken Loans back and spoke with an agent. It was late XXXX ( around XX/XX/XXXX ) and I let them know that I would send the difference for XXXX ( new payment amount - autopay amount that had been sent in early XXXX for regular monthly payment ) PLUS the entire new amount for the XXXX payment immediately by mobile banking from XXXX XXXX XXXX. I immediately initiated payment from XXXX  XXXX XXXX on XX/XX/XXXX. The payment was received by Quicken Loans on XX/XX/XXXX and they had reported me to the credit bureau on XX/XX/XXXX. 
Note : I DID make payment for XXXX in a timely manner ( on/around XX/XX/XXXX ) but they put this amount into an escrow account bc it did not include the {$9.00} increase for taxes. I DID speak with Quicken Loans to explain that I was over seas and would make payment immediately on XX/XX/XXXX. The Quicken Loans agent made a note in my account and said that would be acceptable to them. I have filed numerous appeals with Quicken Loans, I have zero history of ever making a late payment with them, and they continue to refuse to remove the late payment from my credit report. My credit dropped from XXXX to XXXX as a result of this report ( for a discrepancy of {$9.00} ) which I paid BEFORE the XX/XX/XXXX deadline to be reported to the bureau AND I had communicated my situation to Quicken Loans prior to the deadline. Thank you, in advance, for your assistance.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MN)

I saw that there was a large withdrawal made from my Citibank savings account to a XXXX XXXX account. I do not have an account with XXXX XXXX. I called Citibank on Wednesday, XX/XX/XXXX to file a complaint and they said they would start an investigation. There has been a credit in my account for the amount withdrawn and I am waiting on the pending results of the investigation.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2017 my debit card was stolen and used for a purchase at a walgreens for an amount of {$210.00}. Immediately upon discovering this I notified my bank J.P Morgan Chase of this issue and filed a fraud claim. Additionally I filed a police report with the city police for the crime. Now this crime was unique in the fact that my card was taken from my wallet without my knowledge then returned as a means to hide the actions of the perpetrator. I explained this to Chase and they issued me a credit for the amount lost, and sent me a new card. My case with the police department was worked by a detective that handles financial crimes, surveillance tapes were reviewed, and an arrest warrant was issued for the individual that had stolen my card. 

After this had occurred on XX/XX/2017 I received an email from Chase stating that my fraud claim had been denied and that the credit would be removed from my account. I reached back out to the chase fraud department and asked for an explanation, they stated because my bank card has a chip and because it was in my possession at the time of the transaction no theft could have occurred and therefore my claim was invalid. I explained again what had happened when the crime occurred, the representative said that a new claim would be opened and the claim reversal amount was never removed from my account. 

After receiving no information from chase on the status of this investigation, on XX/XX/2017 I noticed a transaction on my account for a claim reversal for the previous amount stated of {$210.00}. I contacted Chase bank and they said part of the issue was there being two claims open for the same transaction. The rep closed one of the claims, and said that the credit would be returned to my account within 3-5 business days. 

Today XX/XX/2017 I contacted chase bank to follow up and inquire why the credit had not been returned. The first rep I spoke to had stated because the claims department was attempting to contact walgreens to verify information about the transaction and that there was no timeline as to when this would be completed. Being dissatisfied with this I accepted an offer to speak to a representative in the escalations department. This rep I spoke to then informed me that there was no open claim and that chase had completed their investigation, and that the credit was properly removed from my account and would not be returned. I requested that this claim be re-opened and offered to provide the police report and information regarding the criminal investigation and subsequent arrest warrant issued regarding this claim, however the representative stated that this documentation would have no bearing in the investigation because it was closed and would not have any impact regarding the claim.
Consumer complaint received 2017-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX was a victim of fraud by XXXX XXXX XXXX XXXX Company No : XXXX ( SRA ID : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX. 

XXXX XXXX was scammed out of XXXX while helping a business associate pay what was believed to be legal retainer fees in return for an Investment Loan in the amount of {$75.00} XXXX. 

XXXX XXXX XXXX XXXX was represented by a person named XXXX XXXX who had advised the business client ( XXXX XXXX of XXXX, TX ) who was supposed to get the investment loan that she could not get the loan unless she paid retainer fees for the loan. XXXX XXXX did not have the funds to pay for the fees ; XXXX XXXX said he was representing the investment firm ( XXXX XXXX XXXX ) who also turned out to be a scam. 

XXXX XXXX made two wire payments onXX/XX/XXXX andXX/XX/XXXX to the " law firm '', but realized shortly that the loan and persons representing the investor and the investment company itself were all fraudulent and of XXXX decent. The money was intercepted through a XXXX XXXX XXXX bank account, but XXXX XXXX has not addressed the issue based on recoup of funds with XXXX XXXX ' bank US Bank. 

No one benefited from the scam as there was no collusion with the thieves who intercepted the funds from the XXXX account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX SORT CODE : XXXX ACCOUNT NUMBER/IBAN : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (GA)

I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.
Consumer complaint received 2017-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I opened my account with Discover Credit Card in XXXX XXXX and made my payments on time until XXXX of XXXX when I lost my job. I informed Discover of this and they were more than willing to work with me. I found a job and started to make payments again and became the victim of Identity Theft and some of the payments were charged back. My account became suspended due to the payment history. I reached out to Discover the end of XXXX XXXX to find out what I need to do to get back on track and my account returned to active. I was informed on more than one occasion and by more than one person that all I needed to do was continue to make  payments, bring the balance below the credit limit and that my account would be reviewed by the " system '' on a monthly basis to determine status. Today, XXXX/XXXX/XXXX after more than 90 days of making 3-4 payments a month for the last three months, setting up auto payment, and talking to countless Discover Employees, I was informed that my Credit Report has to be at {$0.00} for all accounts ( nothing in collections or showing a balance ). This of course I know is impossible due to the hardships that I went through I had no choice but to default on somethings because the companies would not work with me. I was NEVER informed of this and was MISLEAD to believe that if I continued to make payments my Discover account would be reinstated. I should have been told ALL the requirements that Discover looks at when reviewing an account and not just what they wanted to tell me in order to keep me paying to an account that will never be active again. I have been LIED to and this is FRAUD. During my conversation I also asked if there is a group that handles situations were the consumer has been LIED to and was told no. This is unacceptable. Discover has no idea, nor is it any of their business, why accounts on MY CREDIT report are in collections. This needs to be addressed so that it does not keep happening.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IA)

I have XXXX properties that I currently have mortgage with Ditech mortgage company. One of the properties have interest rate of 5.5 % and I ask them for help to reduce my interest rate and the are not willing to do that, and keep adding late charges last year ask them to waive late charges they refused. 

On the second mortgage, I have been informed that I do not need to have mortgage insurance, due to the facts that I owned more than 25 % of he property, but they refused to reduce my payment and I am still paying for mortgage insurance, that by law is not required, also ask them to waive late penalties, and they refused. 

I am XXXX years old and do not have funding to hire attorney. Please help. 

Thanks
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

While working for the Oklahoma Supreme Court in XXXX, I lived at the Regency in Oklahoma XXXX on a one-year lease. The apartment was below average but met my needs as I returned home in XXXX weekly. There were several incidents that occurred during my stay there including elevator outage, basement parting gates would not open and so on that were uncomfortable and unsafe. In XXXX XXXX, XXXX, around XXXX, with freezing temperature, the apartment caught fire due to faulty wiring - http : XXXX. Residents were temporarily moved to the XXXX XXXX but I chose to find another apartment and explained to management of my intention to vacate. I vacated my apartment and moved. I was told I needed to pay XXXX {$850.00} XXXX for XXXX month rent instead of XXXX months because of the incidents and the fire. 

XXXX XXXX, a collection agency for The XXXX, has been requesting that I pay {$3000.00} and has now place this collection note on my credit report. By not providing a safe and comfortable environment, I believe that the XXXX was in violation of their lease agreement. This is extremely unfair and unethical. I request that the Collection note be removed from my Credit Report and in return I would pay the {$850.00}.
Consumer complaint received 2017-10-10
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. (NC)

Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (IL)

I have a Care credit card from Synchrony Bank which I use for my XXXX expenses. On XX/XX/2016 I became homeless and I decided to inform my creditors about my situation. All the other creditors understood and worked with me but Synchrony Bank refused. I told them I only earn {$XXXX} a month from my XXXX. So, they decided I should go on the hardship program. However, they wanted to choose the amount and date of payment, but that is not possible because I get paid twice a month which is set by my employer. I kept calling and calling even before my debt became large ; hence, I was treated as if as was lying so I gave up because the little money I have to use for survival. Now, they have been call and call to collect a debt which I have no money pay for. What should I do?
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MS)

A year ago I started getting phone calls at home for someone not living at my home. I told the first caller there was no one with that name at my home. The calls continued, but I never answered and turned off my answering machine. On XXXX XXXX XXXX, I received mail for the unknown person, which was a collection notice from ERC, a collection agent for creditor XXXX XXXX XXXX XXXX. My city does not have XXXX as a provider for any utilities. I logged a complaint with the XXXX, since the local police could not assist as identity theft had not occurred. I have been receiving aggressive phone calls from several different callers as the debt may be going from one collection agency to another. On or about the week of XXXX XXXX XXXX a second letter addressed to the same unknown person was sent to my home address and I returned the mail to the sender unopened.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

I closed my XXXX last XX/XX/XXXX and also closed my Costco account. 
I got a credit from Costco on XX/XX/2016 for {$55.00} on the XXXX that I then closed. Costco changed credit card companies months later and I got a new Citi ( Costco ) card that I did not want or order. I never activated it. Now almost a year later I am getting late notices from Citi that I have not paid my bill and they have added {$25.00} in late fees. 
I called them last month and told them I never opened a card and they said that they would close it. So now today I get another bill from Citi that I am XXXX past due. This is fraudulent since I never opened the card and at the time of their transition, I was not a customer of XXXX or Costco. I have great credit and now it will be wrecked over this fraudulent charge. I am getting no where with Citi.
Consumer complaint received 2017-03-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KY)

My student loans have been in forbearance or deferment status since I graduated in 2011 because they have not offered me a monthly payment amount that I can afford. I have tried to apply for income based multiple times, but they encouraged forbearance. Now the interest is almost up to the total I owe, around {$56000.00}. In looking at income based repayments, my total will go up over {$30000.00} just so I can afford a payment. My wife also has outstanding student loan payments and we can not afford hers and mine at this time. They have not been helpful and now I have a missed payment on my credit report because they did not enter a forbearance request in a timely manner. In addition to all this, my degree came from XXXX XXXX, which has now just down for improper practices and fraud. I believe they were working with XXXX XXXX to purposely make my loans default. 

XXXX XXXX XXXX XXXX IN
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

CitiCard changed my credit report XXXX 2016 without notifying me. I called the number to request per the XXXX Fair Debt and Practices Act to send me a company letterhead with the amount they stated on the credit report as past due agreed as full settlement and once payment is received a confirmation letter of receipt and complete release would be mailed back to me at the address on file. Due to Identiy Theft several times in my life, I no longer give social or birthdate info where it is not required by law. CitiCard refused to send me the requested bill paying letter above without the personal info even though i had the last payment, address on file and other ways they could have checked. How can you help me pay the balance with complete release?
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (GA)

I started receiving calls in XXXX from Sentry Credit in XXXX, XXXX  XXXX stating that I owed XXXX XXXX. I contacted XXXX since I have never had a credit card with them, which they confirmed. I spoke with XXXX in the fraud department and she looked through their system. I informed Sentry Credit not to bother me with this and she continued to try to get my social security number in fact wrote me a letter trying to collect. I keep a tight reign on my credit even have a credit company to watch for identity theft, so I knew it was fraudulent. There is no telling how many seniors they are preying on.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (NJ)

My husband and I attended a XXXX XXXX XXXX timeshare owner 's luncheon on XXXX/XXXX/16. We were presented the opportunity to apply for the XXXX XXXX XXXX Credit Card where we could earn statement credits toward Diamond transactions ( like the annual HOA fee ). We were told there was a special offer on the card for 0 % APR for the first 6 months billing cycles, then it would go to 15.24 % after that. We applied and were approved and given a " Credit Card Cardmember Account Summary Initial Disclosure '' with all terms and conditions including the 0 % APR for for six billing cycles and then 15.24 %. This printout is time stamped with XXXX/XXXX/16 XXXX ( attached ). I just reviewed our XXXX statement and realized there is no initial 0 % APR and the interest rate is listed as 15.49 % ; which does n't even match the initial disclosure we were given. In fact, the cash advance APR from the statement does n't match the disclosure either. We are still within the first six months of our billing cycles so no interest fees should be charged to us yet. We feel completely duped and a bait XXXX switch situation happened to draw us in to apply for the card and then we received a completely different product.
Consumer complaint received 2015-06-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OK)

JP Morgan  Chase Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX  on  XXXX   XXXX ,  XXXX  ; at approximately  XXXX  a.m. ) refused to accept a cash deposit ( under {$220.00} ). I was informed that it was policy that cash deposits can only be made to an account by the account holder or an individual listed on the account. They offered to take my cash and issue a money order, then deposit that ( that is what I had done when I encountered this issue with them in  XXXX   XXXX  ). But I do not have an account with them, so they said that was against their policy to issue a money order to me. I was advised to write a check or take a  cash advance  from my debit card or go to  XXXX  and get a money order and come back. I was never asked if I had a government issued ID.   I suspect this is a policy and against federal law and a way to avoid the IRS rules as noted on the Federal Reserve  Board  website. I also suspect this is a method of floating deposits by placing a hold on deposits.