davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (SC)

XXXX XXXX used XXXX different collection agencies to settle a {$360.00} debt. Those collection agencies were XXXX and AFNI. Again they are the same debt. I settled with XXXX and am no longer in an outstanding status with them. AFNI still shows that I owe the same amount I already settled with XXXX. It is harming my credit by remaining open and outstanding when I in fact paid and settled.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

Servicing of my FHA mortgage with Chase was transferred to XXXX as of XXXX/XXXX/2016 effective XXXX/XXXX/2016. I received no letter from either party ( Chase or XXXX ) regarding this transfer. 
On XXXX, I received a final tax statement for my mortgage with Chase, and called them to see why I was receiving a final tax statement. They informed me my mortgage was transferred to XXXX and that I should contact them. I informed them that I received no letter/communication from Chase or XXXX ... they 're response was " well, the loan is with them, you need to call them ''. I called XXXX today, every bit of information the representative gave me was inaccurate and when I corrected her of the legal obligation to send a letter, she said " oh, ok. Yeah that sounds right ''. This nonchalant attitude is not only unprofessional, but it 's scary. 
I asked her to confirm that late charges would not be assessed because of the grace period and she cut me off and said " you 're late, so you have to pay fees ''. I reminded her that LEGALLY there is a 60 day grace period with transferred loans, her response was " oh, ok. Yeah that sounds right. Well, if that 's the law then you wo n't get fees. ". I 'm terrified that we will lose our home due to their inept and predatory practices. What are the options?
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank Dispute number XXXX : XXXX -- -- Defective Product & Unable to Contact XXXX Inc. 
1 ) Hard drive was purchased online from XXXX Inc. 
2 ) Drive arrived by mail but was defective. 
3 ) No contact information or invoice was included in package. 
4 ) No contact info ( email, or phone or form ) on company website ( XXXX ). 
5 ) Found XXXX inc phone number with a google search, but one has to know an exact extension number to get though. It is not possible to leave a message. 
6 ) XXXX Inc is in violation of its merchant agreement by not providing contact information to customers. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Inc. 
1 ) Without being able to contact XXXX to address the defective product, a dispute was filed with Chase Bank. Chase representative also did not have correct contact information for XXXX XXXX. 
2 ) The above 6 XXXX Inc details were provided to Chase during the dispute process, but Chase failed its professional duty of care by not communicating the drive was defective to XXXX Inc. responded to the dispute not knowing the drive was defective and not knowing the customer was unable to contact XXXX Inc. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Credit card Customer XXXX. 
1 ) Letter dated XX/XX/XXXX from XX/XX/XXXX of Chase Bank was received by XXXX via paper mail but after the response deadline ( XX/XX/XXXX ) due date stated on that letter ; therefore, Chase Bank sent a letter with a response due date requirement that was later than the date the customer would receive the letter in the mail, making a response by the due date completely impossible. 

2 ) This lack of a professional duty of care by Chase Bank with respect to the handling of its XXXX credit card disputes is not an isolated incident, but is instead habitual negligence by Chase Bank not only negatively affecting XXXX, but negatively affecting all Chase XXXX customers filing a dispute.
Consumer complaint received 2017-02-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

chase has yet to get back to me on my complaint : XXXX chg XXXX hello fresh, again on XXXX XXXX and nsf fee to be cr XXXX resulting this fee because of hellofresh unatuh purchase both times they were informed not to deliver. 


XXXX cr on tax act as my tax return was not complete to be process. 

If they can process these crs.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, 2016 I received text notification from XXXX that a new credit account was issued. I contacted them and was told it was issued by CHASE bank. I asked who initiated it and response I got was : " Do you purchase items online from XXXX? ". They did not claim that XXXX initiated issuing the card and gave me the fraud contact number of CHASE bank. HOWEVER, WHOM EVER INITIATED IT SEEMED TO HAVE MY COMPLETE SOCIAL SECURITY NUMBER. I called the CHASE fraud number and after some discussion they informed me that a new card had been issued ending in XXXX, and it was mailed the day before. ( I RECEIVE JUNK MAIL SOLICITATIONS FROM CHASE ALMOST WEEKLY-with my name and address pre-printed on their appliction form, and shred that part before putting the rest in the recycle bin! ). The CHASE representative closed the account and instructed me to destroy the card when received. 

I received the card packet on XXXX XXXX, 2016 ... thinking it might have sent to another address because of the delay. The packet was filled with information with the Amazon.com logo explaining the use and benefits of the card. The card is even identified as Amazon.com rewards VISA with CHASE info on the back.To activate the card I even have to visit chase.com/verifycard or call XXXX. 

The documents enclosed in the kit included two pages with the amazon.com logo. One letter begins : " Your Amazon.com Rewards Visa Card has arrived. '' That one gives the account number, ending in XXXX, THE CREDIT LINE : {$6500.00} ; and the CASH ACCESS AMOUNT OF {$1300.00}! 

I DID NOT AUTHORIZE THIS. Amazon says they did not ... check with CHASE Bank. CHASE Bank did not deny any of it but did cancel the card. 

NOTE : Letter with amazon.com and CHASE ( with logo ) was from XXXX XXXX, Executive Vice President, Chase Card Services. IS THIS A PART OF CHASE BANK?
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate employers : XXXX XXXXXXXX By reporting these inaccuracies XXXX you are in violation of 15 USC 1681B ( A ) ( 2 ) XXXX for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ACCOUNT # XXXX OPENED XXXX LIMIT {$300.00} PHONE # ( XXXX ) XXXXXXXX XXXX : ACCOUNT # XXXX OPENED XXXX XXXX {$250.00} ) XXXX : ACCOUNT # XXXX OPENED XXXX LIMIT {$300.00} XXXXXXXX XXXX  : ACCOUNT # XXXX OPENED XXXX LIMIT {$1500.00} XXXXXXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$6000.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XXXX LIMIT {$710.00} XXXXXXXX XXXX XXXX # XXXX OPENED XXXX LIMIT {$700.00} XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$500.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (VA)

I tried to make payments that I could afford but was told that if I did n't make the full {$1600.00}, payment per month, that my payments would not be accepted or count towards my loans. I was encouraged to take a forbearance, continually and not told about payment sensitive options. I work in XXXX, so my salary is low but was not told that my loans could be forgiven because of my field. My loans have quadrupled since I left school and I have no way of ever paying the actual loans off, even with XXXX additional jobs. I want to make payments but I need a lower more affordable amount, less than a mortgage payment.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

I was told in XXXX I would receive a {$300.00} refund to my credit card by XXXX. After XXXX I was not refunded and called into Chase who said it would post by the end of my billing statement. That cycle has closed and I still have not been refunded and have now paid interest for 2 months on the refunded amount. 

I ca n't get my money back and now they are making money ( interest ) off of their mistake by not refunding me the money. Maybe that was their intention, to delay refunds to make interest off money that should n't have even been charged to the account!
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (OR)

In XXXX of XXXX I moved into my first home. Everything was going great until around XXXX of XXXX, I was slowly getting behind on my mortgage. By early XXXX, I was told by my mortgage company that I could qualify for a mortgage modification loan, they granted me payments that were lower pending finalization of my paperwork. I had to jump through hoops to get the modification paperwork done. In the mean time I paid a lesser amout on my mortgage for 3 months. After receiving all my paperwork, they informed me that I did n't qualify for the mortgage modification program and therefor I was now even further in debt to them and that my payments would be going back up to the original amount. Once everything was said and done I was nearly {$6000.00} behind, living on a very tight budget I was unable to come up with the money. Eventually my house was repoed and sold at auction. Because of this ordeal my family of XXXX was forced to live in a mobile home for 2 years making every effort to catch up and clean up my credit in order to rent.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MA)

I bought a new dishwasher from XXXX over the phone using my Chase card. Chase flagged the charge as fraudulent, declined the charge, and suspended my card, but did not attempt to contact me until hours later when they sent me a text message asking if the charge was fraudulent, and then a follow up ( after I responded that it was legitimate ) saying that they had declined the charge and I should contact the merchant. At no time was I informed that my card was suspended until I actually called Chase to discuss the charge declination. And at no point before declining the charge and suspending my card did Chase try to contact me to determine if the charge was legitimate. When I called Chase, they were unable to explain why any of this had occurred, and actually tried to deny that it had happened. To be 100 % clear, there was no fraudulent transaction here. This is a dangerous practice that harms consumers, who depend on the assumption that if their credit line is sufficient, they 'll be able to buy things. What is the point of having a credit card that can decline charges randomly, on no basis, with no notice?
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I signed up for a Citigold checking account from Citi Bank under a promotional offer of XXXX XXXX XXXX miles. XX/XX/XXXX I sent a secure message to confirm that I met all the promotional requirements for the sign up bonus of XXXX XXXX XXXX miles. A Citi Bank representative XX/XX/XXXX confirmed that I had met all the promotional requirements and should receive the XXXX XXXX miles by XX/XX/XXXX. To this day I still have not received the sign up bonus of XXXX miles from Citi bank. After my first call to Citi Bank XX/XX/XXXX asking why my miles had n't posted they said they would open an investigation. Which they did and I received a letter from Citi Bank stating that in their own investigation they concluded that I had met all promotional requirements and was eligible to receive the XXXX miles. The letter also said all I had to do was call in and add my XXXX XXXX Frequent Flyer number to my Citigold account in order to receive the miles. I have now called in three times to add my frequent flyer number and still have n't received my promotional sign up bonus of XXXX miles. This is extremely annoying since I signed up under the terms of this bonus and now Citi is going back on their offer. It is a complete scam or Citi is just completely inept.
Consumer complaint received 2020-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

Noticed inaccurate information regarding a student loan I had with Salie Mae. 
XX/XX/XXXX requested loan documents.Called into customer service and was told I will be mailed original copy of signed agreement showing amount and interest rate. 

XX/XX/XXXX followed up on original request of loan documents. Provided address. Was told it was submitted but not all the way. 

XX/XX/XXXX followed up on 2nd request of loan documents. Was told documents were sent out XXXX. Said they did not have complete address missing unit #. Again provided complete address had employee confirm address by reading it back. Let her know if i do not receive the documents within 14 business days starting from today I will file a written complaint with the ombudsman and after that I will need to take legal action. 

Have only received " Notice of Loan Guarantee & Disclosure Statement. 
I have requested a number of times the original documents and Navient has been unable to furnish this request. Instead will send a statement. 

Loan ID # XXXX This has been a problem that I have been unable to resolve through their customer service department. No matter how many times I called and representatives I was escalated to I was never provided documentation of the loan commitment other than a printed statement of the loan. I was unable to move forward at that time and put the issue and payments on hold. I recently found out about CFPB and hope that this can resolve my issue.
Consumer complaint received 2017-01-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: AmeriCash Holding LLC (IL)

The loan i have was for {$600.00} and I recently defaulted on my loan. The finance charge that I received was for {$500.00} and the ending amount that they said I would end up paying is {$1100.00}. I have already paid them {$390.00} and the letter that they sent me states I have an owing balance of {$460.00}. They sent my job a wage garnishment letter stating that I owe {$920.00} which my job signed and I am now being garnished. When I called today that amount has increased to {$990.00}. They have already received {$100.00} from me already through my wage garnishement so I do n't understand how I owe them this much when I have already paid half of this loan down. They are still charging me fees and interest after they claim that took me to court to get the amount of this {$920.00} that they say I owe but I know that amount is way too high.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MI)

In about XXXX of XXXX, I began applying to XXXX here in XXXX, MI to refinance my Mortgage which was being serviced by CitiMortgage Inc. ( CMI ) As this was happening, CMI decided to sell the servicing of my Mortgage to XXXX XXXX XXXX. ( XXXX ) Therefore, as I was finishing up the process of refinancing my loan with XXXX, I began making payments on my Mortgage to XXXX. 
The problem began when XXXX began to itemize a debt that I did not recognize. XXXX called it " Corporate Advance Balance ''. And they gave this definition, with an asterisk, for it on my bill : " Corporate Advances represents monies advanced by servicer to pay taxes, insurance, and any other amount currently due that are not part of an escrow account ''. And it did not appear on my Monthly Billing Statement from XXXX, until the third statement from them, on XXXX/XXXX/XXXX. The amount was {$370.00}. When I inquired, XXXX never did clearly explain what constituted said {$370.00}. XXXX continued to hold me responsible for said " Corporate Advance ''. When we closed with XXXX to refinance my Mortgage Loan with them, XXXX included the {$370.00} in their Payoff Statement of XXXX/XXXX/XXXX to XXXX. My XXXX Loan originator, said he spent considerable time with a XXXX representrative about the matter, with no success. I was advised to go ahead and accept the charge for now, and to try to hold CMI/XXXX responsible for the Corporate Advances later on. This is what I 'm doing now. I have done some research to determine where the {$370.00} came from, so to speak. On XXXX/XXXX/XXXX, I was able to speak with a worker at CMI over the Tele. 
He was able to quote me what comprised the {$370.00} Corporate Advance that CMI passed on to XXXX : XXXX/XXXX/XXXX : {$260.00} for Title ( something ) / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$92.00} Publication Fee / XXXX/XXXX/XXXX : XXXX Pub. Fee. This adds up to {$370.00}. CMI and XXXX have conspired, through means of a " Corporate Advance '' of forcing me to pay for charges I had never been billed for by CMI, which CMI passed on to XXXX and which XXXX forced me to pay when they included the " Corporate Advance/s '' of {$370.00} in their Payoff Statement to XXXX on XXXX.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

Let me start by saying that I have a credit score of XXXX so I pay my bills on time. In XXXX I had a charge of {$40.00} on a rarely used AT & T Universal Card issued by Citi. I have had this card since 1990. The billing had been changed from paper to e-mail. I have no recollection of authorizing this billing change. I was not looking for a e-mail billing and was only alerted when I got a e-mail saying I was late. The {$40.00} initial charge now included a {$25.00} late fee plus interest. I called customer service, explained the circumstances and asked that the late fee be waived. I sent a check for the {$40.00} charge. I was denied the waiver by phone and by letter which I received on about XXXX XXXX. I sent a letter to customer service on XXXX XXXX explaining my situation. I received a form letter on XXXX XXXX again turning down my request for a late fee waiver. I called customer service and asked to talk to a supervisor. I was told that no supervisor was available but that one would contact me. In the meantime my late fees and interest on the original {$40.00} charge have grown to $ XXXX.Still no call from a supervisor even though I again called customer service requesting to talk to a supervisor. I feel it is unconscionable to access late fees when I am trying to resolve the issue and have yet talked with a supervisor. The late fees are excessive and the bank is taking advantage of the fact that it takes time to get hold of a person with authority. I have authorized by bank to pay the {$63.00} to avoid further fees but am not pleased with this banks service and gouging of its customers. Not one person of authority has responded to my letters. Not one person of authority has looked at my request yet the fees keep getting accessed. Again, none of this would have occurred if the credit card company had not switched the billing to e-mail.
Consumer complaint received 2016-05-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NV)

I purchase furniture with Citi Visa Card and paid card off immediately. 
When delivered, was damaged and I refused as per the sellers instructions. 
Seller received the returned furniture and told Citi Credit card company returning funds. I could not get Citi to return the funds so made a dispute. 
Citi has stated that the funds would not be available till XXXX XXXX, 2016. 
I need funds immediately to purchase furniture and they have refused. 
Have not filed a complaint with Court, yet.