davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (FL)

Received offer to earn additional XXXX % Rewards Bonus for Being a Valued Cardmember ( footnote ) through XXXX XXXX, 2016, on my cardmember page at amazon.com. 
XXXX % Rewards Bonus : You will earn a XXXX % Monthly Bonus on all new points earned with your Amazon.com Rewards Visa card through XXXX XXXX, 2016. Your bonus points are calculated each billing cycle based on the total points earned during that billing cycle. Points earned in a monthly billing cycle are generally available to be used at the beginning of the next billing cycle ; bonus points earned on Net Purchases, made near the end of a billing cycle may take up to one additional billing cycle to become available. You 'll see points you 've earned on chase.com and on your monthly card billing statement. See Rewards Program Rules and Regulations for details on qualifying purchases. Bonus points are subject to the Rewards Program Rules and Regulations. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus offer void where prohibited by law. All the Amazon.com Rewards terms and conditions apply. 

When I enquired about why I was n't receiving the bonus rewards, I was referred back and forth between Amazon customer service and Chase customer service, until an employee denied my request. I was denied for various reason. One was that I did n't receive an email invitation, although that requirement is not mentioned anywhere on my Amazon cardmember page. Another reason given was that my inquiry as to why I was n't receiving the bonus was late : in that the enrollment period had expired. There is no reference to an enrollment period in my offer and I had thought that I was enrolled. I had promptly clicked the invitation on my Amazon cardmember page and assumed that I was enrolled. 

I continued to appeal. A Chase employee did offer to credit my account for a few months and advised me to contact her if I wanted to receive the bonus until the program end. I tried to contact the representative by phone on a few occasions. I was unable to navigate the phone menu to her extension because it was n't recognized and because she was not listed in the employees phone directory. I had also attempted to contact her by email. An other employee responded and agreed to honor the approximately three months of bonus points accumulated but refused to honor further enrollment in the program. Additionally, my points may have been adversely affected the month following the bonus addition. 

I had initiated the inquiry around XX/XX/XXXX. I had enrolled in the program a few months earlier. I did n't keep records, because I did n't realize that there would be a problem.
Consumer complaint received 2016-07-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (WA)

I had a credit card debt through Washington Mutual go to collection in XXXX. In XXXX of XXXX, I paid the debt in full through XXXX, a law firm in XXXX, Kentucky. I received a fulfillment letter from XXXX. 

On XXXX XXXX of this year, I began receiving calls from ( XXXX ) XXXX regarding this debt that I had already taken care of. My mother, brother, and sister have also received numerous calls from the same agency. As best I could tell, the company name is XXXX. However, I could not find it on the internet and the callers and call-takers sounded to be from XXXX. Some were very difficult to understand. 

I told the callers that I had paid that debt and that I would e-mail them a copy of the fulfillment letter. They insisted I fax the letter. I do n't have fax capability. At first they would not give me their e-mail address " for security reasons ''. I asked to speak to a supervisor. The caller then gave me XXXX e-mail addresses, neither of which were good. I have saved a copy of the e-mail I attempted to send them. 

I called the agency back this morning after learning that my e-mail was not delivered because of a bad e-mail address. After two or three highly frustrating calls, I finally spoke to a supervisor at XXXX who said she was making a " cease and desist '' notation in my file and assured me that I or my family would not be receiving any more calls from them. 

At XXXX XXXX, both my brother and I received calls from the agency. My mother received a call from them at XXXX My sister also received a call from them sometime AFTER XXXX when I spoke to the supervisor. 

When the agency called me at XXXX this morning, I answered and abruptly told the caller that I spoke to a supervisor at XXXX this morning and she was to have entered a Cease and Desist note in my file and I wanted to know why they were still calling. She told me I did n't have to talk to her like a child. I asked to speak to a supervisor and she hung up on me. I called right back and asked to speak with a supervisor. This time a male call-taker hung up on me. I called back a third time and my phone number was blocked. I called back using a XXXX phone number. The call-taker asked what I needed. I said I wanted to speak to a supervisor and she hung up on my as well. 

I have made a good-faith attempt to provide this agency with proof of fulfillment and they continue to harass me and my family with their phone calls - even after I was told we would not receive any further calls from them. Please look into this company. It appears after XXXX the company phone number, there are several other people who have had bad experiences with callers from that number. Some thought it was a scam.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TN)

I took out a {$15000.00} interest-free ( until XXXX of XXXX ) loan from my Chase Slate account for home improvements, which was reflected on my XXXX XXXX, XXXX statement. There was a {$300.00} balance transfer fee, which I paid, along with my purchases of {$90.00} and also a payment of {$1100.00} toward the {$15000.00} loan. Then on my XXXX XXXX, XXXX statement, I was charged {$.00} interest on purchases. When I called to ask, I was told that it did n't matter how much I paid each month, even if it was way over the minimum, I 'd be charged interest ( 11.49 % ) on my purchases. I was told this was a " revolving account '' and that there is n't anything I can do to keep from being charged interest on the purchases, unless I pay the entire balance off. I have just paid again, and I am going to call to see if they will allow me to apply an amount of my choosing towards my purchases during the last month. Either way, I am not going to use this credit card for purchases again. Beware of these offers of " zero percent interest ''! They are misleading.
Consumer complaint received 2023-02-24
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. (CA)

I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.
Consumer complaint received 2015-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (CA)

I am submitting my request again since Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) continues to wrongly report a delinquency / non payment on my credit report multiple times for ONE student loan issue that was paid in full and resolved ( DUPLICATE reporting of same issue when it is just ONE issue ). 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. XXXX. The one account at issue was wrongly reported negatively under multiple account numbers when the issue involved only one Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

A account was opend on XXXX XXXX 2000 For the amount of {$770.00} with XXXX.that I 'm not familiar with # XXXX Represenetives could not give me any information about account only a different name tgat is not my name. 
And also account is older and greater the. 10 years. 
Witch I asked them to remove this account from my creditreport for that reason as well.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (KY)

I just lost my XXXX job and I am right now struggle to pay back of what I own. I have talked to them several time to make the agreement to lower the payments. But however, they had refused to find the solutions or working with other way. They kept the same way by paying the interest of the loans. I have explain to them several time that I can not pay full amount.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NRA Group, LLC (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2015-12-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MD)

My name is XXXX, my grandmother XXXX who is a co-signer on one of my loans which was with XXXX before XXXX was taken over Navient Solutions.  Navient Solutions has harassed my grandmother XXXX for several months and are now stating that they are filing a law suit against her for payment on the loan.   My account has been in deferment because I am currently in school at XXXX, additionally, in XX/XX/2015 when I had access to my online account my deferment was still in place for my account.  My grandmother starting complianting around XXXX that she can not take getting several calls throughout the day regarding this loan.  When she finally talked with them she direct them to contact me...However, their first contact was through a mailed letter date XX/XX/2015, and since they have been speaking with my grandmother XXXX, I no longer have access to my account because they have deactivated my account as they have been pursuing and persecuting  my grandmother for payment.  They have given my grandmother a different account number for the same loan. When I call them to discuss the account they can not find my information. I just recently starter receiving letters stating that my loan is in default and that I need to contact them to make arrangements.  I want them to stop harassing and threatening to sue my grandmother for payment on this loan, because I have always been responsible for this loan by either making payments on this loan or having the loan in deferment due to my continue education status. Bottom line want them to work with me which for some reason that have chosen to harass my XXXX year old grandmother who is on a fixed income.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (FL)

The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago. 
I believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. 
I do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer.
Consumer complaint received 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

I am making my monthly minimum payments to all of my loans but they are not being applied correctly. this is the 2nd month in a row. Navient claimed I hit the button that says " advance my payments '' but I could n't have since my loans are paid automatically through ACH. The minimum on XXXX loan is {$42.00} of the monthly {$360.00}. On my XXXX 2016 and XXXX 2016 auto-draft payments, only {$4.00} was applied to my $ XXXX monthly payment and the remaining {$37.00} applied to the other XXXX loans on my account. I have ordered them to re-allocate my monthly payment correctly. I believe they are intentionally under-paying the $ XXXX monthly loan because I have been aggressively paying extra payments on that one. I believe they are hoping I 'm not a vigilant payer in attempts to keep me in my loans longer and accrue more interest.
Consumer complaint received 2016-11-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: MOHELA (MA)

I was made aware today that MOHELA has been calling family members for the past week looking for me. They were told repeatedly that I do not live there but still continued to harass him. I spoke with them today and they said I must have provided them with the number but this is false and they did not take the matter seriously.
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (FL)

I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.
Consumer complaint received 2015-04-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (TX)

When I was in the military and as a spouse I had a XXXX XXXX Card, and about 3 years ago i received a letter saying i needed to pay a certain amount a month. When I was able I began to make large payments through a third party debt management company. After I ceased with them I was not able to find information about this creditor anymore. The old XXXX was no longer the one who dealt with it. I would check my credit report and even consulted with my banker because I am trying to be out of debt completely. All we could see is that the XXXX account was closed. I never received any communication from this company that would have allowed me to continue paying them until my tax return was taken. I finally found out why, even though I was never notified that my tax return would be taken either. After my tax return and all the months of interest the accrued I now owe more than the original amount. 
I find it very unethical of this company to let so much interest add back up to such a high amount. 
This is a debt I would have been paying every month not to let this happen and not the interest is so high even with the monthly payments I will barely make any ground on paying this off.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2015-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (GA)

I am suffering from financial hardships. I am submitting this complain, because I can not do anything else about my circumstances. I am not able to make payments on my student loans and the majority of my expenses. I had no choice but to file chXXXX bankruptcy so that I could afford basic necessities with my student loans in deferment at lease for few short years. I owe an estimated {$250000.00} Student loan debts to XXXX, XXXX XXXX XXXX, XXXX XXXX and Cornerstone loan services. 
My student loan balances never decrease ; the balances only increase, because I have high balances, high variable interest rates and penalties. My private student loan carriers do not offer reasonable repayment options where I could realistically pay off the debt and manage my expenses according to my debt to income ratio. I am complaining, because I do not understand why an undergraduate student majoring in psychology, was preyed upon and loaned a XXXX dollars in student loans. 
Why am I constantly being harassed with phone calls, letters, emails etc. as if these behaviors would cause money to miraculously appear? I spend many nights restless trying to figure out why this happened to me. I sometimes hope that when I finally fall asleep I either never wake up. I do not have any children or friends, because I am ashamed of my debts. I have been preyed upon by predatory lending practices by XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies targeted me veraciously with emails, flyers, letters in the mail, asking me to take out these loans. These loan companies did not ask me to produce any current or future earning potential etc. to indicate whether I could actually repay the loans back or not. I was vulnerable, preyed upon and scammed out of my future. My life has been ruined by these corporations before it had a chance to begin. I am almost XXXX old and I have no future. Based on my debt to income ratio, education/skills, earning potential, and life expectancy, I simply can not pay these loans back now or in the future.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

i made a deposit to my chase bank through the atm machine and my funds were withheld all of them.

i made a deposit on the same bank through mobile and it was cleared a day after. the checks concerned are both the same from my employer.

how come there is a hold on t his one? all of my funds of {$2700.00} were withheld.

emailed the banks several times and got conflicting responses. first, i was told there is no hold.

second, there is a hold.

I would like to request that holds will be done on my check/s I should be given the option to cancel my deposit at the atm machine so that i can just encashed it at the bank where the check was drawn.
Consumer complaint received 2015-06-08
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (IN)

Chase Financial after contacting several at XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX branch failed several times to inform me of decision on auto loan. After speaking with District Manager XXXX, I feel that I am certainly not a priority to him or anyone at that branch including the Branch Manger XXXX. It seems there would have to be some kind of compliance violation after I furnished my private information!
Consumer complaint received 2015-12-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (VA)

My name is XXXX XXXX XXXX XXXX ive had my XXXX Hyundai sonata for three years now and the price of the car was XXXX dollars but they told my XXXX XXXX told me after two years I could trade it in for something better I went the a XXXX dealership to trade to get a better year car they told me when they pulled my credit report that it did not show I had a car loan but showed that they car is paid off but ive been making car payments on this car. I finance company was auto credit but now it is XXXX financial I cant understand why the interest rate is so high and how come it 's not on my credit and showing that it is paid off. My social security is XXXX date of birth is XXXX/XXXX/XXXX my phone number is XXXX I need some answers