davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

We took out a Direct Plus Parent Loan for my daughter, the application only allows for one parents name on the application but does require input of the income for both parents ( my wife and I are married and file our taxes married filing jointly ). I am a XXXX and we recently found out about the Public Service Loan Forgiveness program. I called the loan servicer Fedloan to inquire about the program and was told since the loan is in my wife 's name she has to be the employee of a public service agency. I explained that the application only allows for one parents name but takes into account both of our incomes so it should be considered a joint account otherwise my income should not be considered when determining financial aid, the loan approval or the monthly payments. I believe they are interpreting the rules of the PSLF incorrectly and we should qualify or they should not be able to include my income when determining repayment plans for the loan or financial aid. If they are going to use both of our incomes then is should be a joint account. It appears they try to find any reason to disqualify you for programs that are meant to assist the borrower. They should not have oversight of these programs because it 's not in their best interest and they do not look after the best interest of the consumer.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

Discover Card had issued credits back due to unauthorized charges and non receipt items. Items include XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00} XXXX
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

EXPERIAN fails to remove the XXXX account. EXPERIAN fails to verify this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

on XXXX/XXXX/16 I filed a dispute with Equifax about the above case # s. XXXX XXXX and XXXX the results ended in that the accounts balance was verified. I sent Equifax a copy of the receipts that the collection accounts have been paid. This indicates that Equifax did not even verify the document that I sent was correct. Equifax , XXXX and XXXX is reporting incorrect information. XXXX XXXX and XXXX XXXX will not update their records.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MO)

XXXX for ( XXXX ) removed off of my XXXX Credit report on XX/XX/2017 and XXXX for ( XXXX ) was removed off my XXXX Credit Report on XX/XX/2017 and Equifax refuses to remove it from my credit report when it has been previously disputed and removed
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Man-Data Inc. (OR)

There are many areas that my complaint fits under. 

Company 1st contacted me on XXXX regarding a debt I did not initially believe was mine. I thought it was a scam and asked them to send me something in writing before I would communicate with them. They told me that I must set up a payment arrangement right then or they would take legal actionOn XXXX the company contacted my employer and identified themselves to " verify my employment '' then they contacted me, since I had not received anything by mail, I again stated I wanted something in writing before I would discuss anything with them. I also told them I was recording our phone calls ( legal in Oregon XXXX, they got upset and hung up on me. 

XXXX I sent a certified letter asking them to validate this debt. 

XXXX I received XXXX letters, one with a summary of the debt and one that indicated that they had contacted my lawyer and threatening legal action. 

XXXX. I received the information on the validation of debt that stated I had XXXX days to dispute the debt. 

XXXX They filed a claim in XXXX XXXX court. 

I have now realized this is my debt from my daughter and there was some confusion between me and my ex husband, I have no problem that I paid the original {$220.00} debt, what my issue is, is that my rights under FCDPA were clearly violated and I had to pay and additional {$93.00} of " fees '' because they filed a lawsuit before they gave me a chance to dispute the debt. In addition they contacted my employment and since I work XXXX I am aware they have done that with other employees as well.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

Enclosed are detailed transactions from my bank statements and credit card accounts for my XXXX XXXX XXXX account for XXXX, XXXX, XXXX and XXXX. XXXX XXXX XXXX " rolled my payments '' and reported all of these months late. Payments were made within 30 days. Therefore, my credit report should not be reporting late or delinquent for any of the months. Please see attached and update immediately.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX MISSED payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX pm central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (CA)

In XXXX 2016 XXXX XXXX sent an email to renew my subscription. I replied to say NO. They charged the money to my US Bank credit card anyway. I called US Bank for more than an hour and a half, no one answered the phone. I called XXXX XXXX, they agreed to pay back the money, but refused to pay back immediately.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (CA)

US BANK REFUSED to remove credit card account information from 'Authorized User 's ' credit report which can negatively affected on credit decisions and negatively affecting credit card utilization. Authorized User is NOT ACCOUNT OWNER and not liable for any of subject credit card debt according to US BANK. Account owner requested proof of any documents/electronic signed documents of authorized user 's with social security number but US BANK representative, XXXX ( who refused to provide last name and employee/representative number ) refused to provide.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IN)

My mortgage loan was purchased by LoanCare XXXX two months ago. Since I have received poor customer service from this company, and now my monthly mortgage rate just went up by $ XXXX/month. I called and the customer service representative could not even start to explain or understand why my monthly payment went up by {$55.00}. I was much happier with XXXX Bank before they sold my loan. Everything I have read online about LoanCare says they are not a good company.
Consumer complaint received 2017-03-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

NationStar is calling my work, they called XX/XX/2017 at XXXX. Now 1st of all they have my number XXXX, if Im working I cant answer it. Sad part is I have until XX/XX/XXXX to pay my payment and its sent out, but they call non-stop sometimes 5 times a day
Consumer complaint received 2015-11-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (PA)

my house burnt down on XX/XX/2015. i finally received a check from my insurance company to pay off the mortgage on XXXX/XXXX/2015. i two day priority mailed a XXXX check to quicken loans on XXXX/XXXX/2015. the post office lost the check and it did not arrive until XX/XX/XXXX so now quicken loans wants me to pay an additional XXXX to avoid forclosure on the property because it did not arrive by XX/XX/XXXX eventhough i have tracking numbers and proof that it is not my fault and it was lost in the mail.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (CA)

XXXX Bank froze my accounts due to fraud concerns - they highlighted multiple names associated with my SSN based off a Lexis-Nexis Accurint report. I called Lexis-Nexis, which indicated that XXXX XXXX and XXXX XXXX have my SSN. I have recent versions of my XXXX CRA reports but none indicate these names. Lexis-Nexis is pointing fingers at the CRAs, but the CRAs do n't seem to have any idea what Lexis-Nexis is talking about.
Consumer complaint received 2015-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rose & Associates, LLC. (NJ)

This company Rose Associates keeps calling my number after I told them continuously I 'm not the person they are looking for. A female in charge gets on the phone and keeps saying who is the debt for mam. I 'm like a XXXX, that 's who they keep saying. She says she cant do nothing with removing my phone number cause they do n't look it up that way. I told her she is harassing me and this needs to stop. This is upsetting and needs to stop. They are contacting the wrong person and refuse to stop. They should be out of a job!!!!!
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PNC Bank N.A. (CA)

I had a PNC Visa Credit Card that was cancelled because of inactivity. I lived outside of the United States and upon returning I wanted to use my card and was informed that since I had a XXXX balance on the card and had not used it since XX/XX/XXXX that they decided to cancel it. I had acquired many rewards points on the card and wanted to use them but lost them because of this. I called XX/XX/XXXX and was told that they decided to cancel it due to inactivity for a year and there was no need to inform me since there was a XXXX balance. Had I not paid my bills on time, they would have left my account open.
Consumer complaint received 2016-12-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (FL)

I have had nothing but problems with this company, I have tried contacting the let them know that they are reporting to the credit reporting agency 's inaccurately. Each time I am met with a form letter and a note that they are going to add dispute comments. They are reporting this account as late every month even after it was sent to collections. And even after it was settled. I settled in good faith after finally receiving my XXXX veteran benefits without even questioning them, thinking they would accurately report. In my letter I simply let them know it was reporting wrong, they refused to fix it and added dispute comments to cra.
Consumer complaint received 2015-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (TX)

This debt was disputed several times and no response was provided from the collector. I sent certified letters previously and the item was removed from my credit file. Then when the debt was sold to a junk debt purchaser, it was added back to my file. I then disputed it again with the collection agency and they have yet to respond and it has been well over the 30 day limit allowed by law.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

Last fall, Citibank offered a {$400.00} interest bonus as part of a promotion for depositing {$15000.00} in a newly opened checking account and leaving the funds in the account for 30+ days. I opened a new account with them on XX/XX/2016 with a {$15000.00} deposit, and left all the funds in the account for 35 days. The Citibank promotion said the {$400.00} bonus would be paid within 90 days of meeting the deposit requirement. We are now well past the 90 day time period, and I have not received the bonus. I opened up a case with Citibank 12 days ago to see why they did n't fulfill the promised bonus, and they have not responded. Since I am getting no response from them, I hope the CFPB can help me to get a response.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (IL)

I am a Citi Cards card holder. I received a solicitation stating " No foreign transaction fees on purchases ''. This then apparently meant only that they were charging a fee in U.S. Dollars, but still a per cent fee on each foreign transaction. This is DELIBERATELY misleading, as some cards actually do NOT have foreign transaction fees.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MD)

I received a mail solicitation from Citibank to apply for the XXXX credit card. This card carries a XXXXannual fee. The wording of the solicitation indicated that I had already been pre-approved for this card. Since I already have XXXX credit cards with Citibank, I applied for this card online, using the reservation number given. 
I was declined for the credit card, with the reason given that " Your payments were low on one or more of your accounts with us, '' in addition to the standard " ... balances on your revolving accounts are too high in relation to those credit lines. " I can understand the second reason. I sent a letter, certified and return receipt requested, to Citibank requesting clarification on the XXXX reason. 
I received a second letter in response, only detailing the high balance reason. 
My issue is that I always make more than my minimum payment to Citibank each month on XXXX their cards. They did not provide information to advise on what criteria constitutes an 'acceptable ' payment level in order to qualify for the card that they sent me an invitation to apply for. 
There is obviously a secret criteria that is being used not based upon something known and objective, such as credit scoring, which is discriminating against a customer without them being able to remedy it. 
This is arbitrary and capricious, and should not be allowed.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TN)

I have been trying to get a refinance with chase since XX/XX/XXXX, and lost my job XX/XX/XXXX, and file a Harp with them, and since all the paper work they ask for and they said I was not approved, all I want is for my interest rate to be reduce from 8.25 % .I only owe them {$85000.00} and I talked to one customer service agent 2 or 3 weeks ago, I was told that my home was appraisal for {$110000.00} when it gets to XXXX they talk to me.I though this was a '' good faith '' loan, do they do all their customer this way.They foreclosure on me without informing me through a newspaper XX/XX/XXXX, and Tn.Homes save my home.I have a partime jod now and my SSA , my income is sufficient enough to take of the note.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (MD)

I just received a calculation for my new mortgage payment that increases it by {$500.00} per month! The new payment is effective XXXX XXXX. The escrow custion is listed as {$1000.00}. Is that legal?
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank sent us a letter stating they had refused us small loan ( {$20000.00} ) with high interests requesting a collateral on my residence valued at {$750000.00} instead of an investment property worth {$500000.00} located also in California, instead of issuing the letter of withdrawal we requested as we ( not Chase ) chose not to proceed with their offer. 
By doing so, they attempted to damage my credit score of XXXX in retaliation for refusing their terms.
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

A company debited my account without permission iao of XXXX. I contacted the bank to advise of the transaction and was asked did I contact the merchant directly. I contacted the merchant, who did not follow-up on the claim. XX/XX/XXXX after no refund from the merchant I filed a claim with the bank. I was advised a few weeks later that it was declined as previous business occurred. I was not happy with that response because it was not authorized therefore I called the bank again, spoke to upper level management and was advised 90 statue of limitations expired. I contact the bank a week later spoke to another manager and was advised 120 day statue of limitations. In the meantime my account was closed and I know have a -XXXX account that has turned into over {$600.00} worth of fees. I run a business and need my account. I have been a longtime customer with Chase Bank.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

My monthly minimum payments are 5 %. I pay my payment every month but since it is so large I have to use the card to pay other bills, so I can never reduce or pay off my amount owed. I think that a 5 % minimum payment is excessive. I would like to pay down my debt but will never be able to at this rate.
Consumer complaint received 2015-12-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

My bank closed XXXX of my accounts, and the reason was that I said a XXXX remark to the teller. I had my granddaughter with me, who is half XXXX, and would never say anything so rude. I ca n't access my cheeks or savings accounts. I was told that I had to wait ten days and will get my money as a check in the mail. This has been very difficult on me, as have medical issues. 
Any help will be appreciated, regards XXXX
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to Chase Bank and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus and Chase is saying that this account is valid which is incorrect.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Westlake Services, LLC (TX)

On XXXX XXXX, 2016 I reviewed my credit report and noticed an account that I do not recall therefore I sent a validation. The validation letter was sent on XXXX XXXX, 2016 requesting information the account Westlake Financial Services claims I owe them.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (AZ)

We were charged {$170.00} for a ride from the airport that we did not agree to. The driver claimed to be an XXXX and was not. No receipt provided. We asked 2-3x how much the ride would be and he said, do n't worry - it 's about {$5.00}. The typical ride costs about {$60.00}. We feel this is fraudulent and refuse to pay Chase Bank for the VISA charge. The receipt emailed was from XXXX Car in XXXX.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (VA)

I have had someone fraudulently sign up for a credit card twice at Chase bank. The first attempt they were able to open the account. I put a fraud alert on my account and after the 90 days, the fraudsters did the exact same thing. Chase Bank is telling me that it 's because they are getting amazon gift cards the fraudsters are applying for cards. Chase 's system catches it but still leaves a hard hit on my credit card.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CT)

The credit bureau is reporting a bankruptcy on my credit report but the court does not verify that information. Therefore that information was pulled out of a third party reporting agency therefore it must be removed and deleted completely from my report. I would appreciate it once deleted to be notify via email. My email address is XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (KS)

I got my loans through Navient in XXXX. I got put through for barren twice, wasw never given another option. they made me pay almost {$500.00} to go into forbarren for a year.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

Every time I have called Navient to come up a proper repayment plan, I have always received high payment options.Moreover, right now I have been given a low payment plan, but it appears that the monthly payments are not being applied to the existing open balances.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I was told that forbearance would stop my interest from accruing, which Navient told me upon setting up forbearance, in return my loans have gone up thousands of dollars since I have entered forbearance as well as deferment. No one ever discussed options for repayment including IBR. I am getting no where with Navient except threats that now I will be forced in default is I can not make the required {$500.00} payments and I am currently unemployed to boot. I am considering bankruptcy at this point my loans are {$49000.00} for an XXXX.