davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Despite significant reprimands from the government, Citibank continues to screw its customers over. I am foolish enough to hold a mortgage with them, for which I pay over {$1200.00}!! PER MONTH in interest ... yet earlier this year, Citibank decided they needed to charge me {$30.00} per month for a checking account which I barely use. When I went to the branch manager to discuss the fact that I had been with the bank for over XXXX years, and that I was paying {$1200.00} in mortgage interest monthly, he refused to waive my monthly checking fee, and instead offered me a " basic '' checking account - XXXX which charges me {$15.00} for overdraft ( despite the line being attached, and which used to automatically cover overdrafts - which is what a line of credit was designed for ) and for every other " service '' they offer. The branch manager " explained '' to me that my mortgage balance did n't count because it was with a " different '' division of Citibank ... in other words, since the P & L was n't under the control of the bank management, the customer should be screwed. It 's very clear Citi should simply get out of banking because the morons running the US have no idea what they are doing. I will be closing my accounts this month. After XXXX years. XXXX XXXX, please, if you do nothing else, please get the stupid ex-Card management morons out of the banking business. They are destroying the XXXX.
Consumer complaint received 2016-06-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (OH)

My Chapter XXXX XXXX filing was discharged 6 years ago. I included XXXX mortgages in the XXXX which have XXXX been paid on time for the past 6 years since the discharge. However, I am not getting credit for either mortgage on my credit bureaus. I have contacted all XXXX agencies as well as XXXX servicers to resolve multiple times. Both agency and servicer are suggesting that the other is at fault. This situation is impacting my credit score and in turn my lending options. Being at a loss I decided to contact the CFPB to see if they could be of assistance in this matter
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

Hi I gave my credit card to a merchant as a guarantee that I will pay. The merchant was supposed to call me to discuss the price and I would let him know how I planned on paying. We discussed that it would not cost more than {$500.00}. A few days later I see a {$500.00} charge on my card. I do not know if any services were preformed. I called the merchant up, and ask " what 's this? '' He replied, " you said I can charge your card ''. I said " that is not true ''. I requested him to send my lawyer a copy of the bill. He never did. I then contacted Chase to start a dispute. I called them on XXXX/XXXX/16. They never responded to me. I got a letter requesting more information from them, but they told me on the phone that I would receive the letter and I should ignore it. On XXXX/XXXX/16 ( I think ) I received a voice message from someone claiming to work in Chase with a request to call them back. I called the number on the back of the card and asked who is trying to reach me. The response I got was " that is not a chase number, nobody want to talk to you ''. I called then back today XXXX XXXX/XXXX/16 XXXX to check on my dispute, and they said basically I could jump and they are not going to help me, and the dispute is closed. 
Please punish them for breaking the law, as far as I understand, no merchant can charge my card without my permission, and they need to provide me with a receipt. My hunch is the merchant does not want to give me a receipt is either the work was never done, or he is way overcharging me. 
Thanks for your help, XXXX XXXX XXXX
Consumer complaint received 2015-12-18
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (OH)

Received numerous calls and messages per day. Agents threatened to go after my mother and her home. Agents threatened to garnish my wages and my mother 's wages. Agents refused to accept that I was unable to pay. They coerced me into liquidating my retirement fund at huge penalties to get them money ( I feared they were going to take my mother 's house ). Even after doing so to get into a payment plan, they have continued to call and ask for more money than the agreed payment plan. They have also on more than one occasion double charged my account for the same payment ( essentially attempted to take XXXX payments instead of XXXX in XXXX separate months, requiring me to contact my bank to get the second payments stopped ). This was done without my consent and without any notification.
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Skopos Financial, LLC (MO)

I have repeatedly asked Skopos financial Not to call me or my references. They have ignored 3 documented requests to ceases and desist all phone calls. Guilty of several violations they have agreed to defer payments to passify me and avoid lawsuits! They continue to take advantage of a loop hole in Missouri law! This is causing me to have health issues because of the XXXX and embarrassment I am suffering because of their inconsiderable acts! Please help me!
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BARCLAYS BANK DELAWARE (TX)

I received a credit card and new account package in the mail from BarclaycardUS. It was addressed to me at my home address and had instructions for activating the card. I did not open an account or request a credit card account so I called to request that the account be closed immediately. Unfortunately, Barclaycard could not address the matter unless I provided my date of birth, last XXXX digits of social security, mother 's maiden name, and phone numbers for the account. I told the representative that I did not open the account and I refused to give them any personal information. They were not able to address the matter unless I provided this information. I asked to be transferred to their fraud department. That representative also requested the same personal information and I again refused. I told them I simply wanted to advise them that I did not open or request an account in my name. They told me they were unable to help me unless I provided the personal information. I hung up and filed this complaint.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC (NY)

I received information from the Student Loan Help Center about a program attached to President Obama 's affordable care act. I was told that this program would allow me to reduce my monthly payments and eventually have my loans forgiven after 20 years instead of XXXX. I was told this would all be done for me for a one time fee that can be split up over 3 months. I would have to fill out an application and " e-sign '' it to complete the application process. However, part of what I was told to " e-sign '' turned out to be some kind of legal contract that I was not informed of. I was told that I would only have to sign in XXXX places and it turns out that my e-signature was placed in at least XXXX other places. Throughout this entire process, the worker over the phone heavily implied that this was run through the government and that they were in fact part of the government. At no point in time was it disclosed to me this was a private company or that I can apply for these type of relief methods myself. This whole process may not be fraudulent but it is predatory. It preys on the fear many students have with large debt and convinces us of a golden way out. As it turns out, the old saying If it 's too good to be true, then it probably is. '' was correct.
Consumer complaint received 2022-10-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IL)

The is my 4th attempt to get answers. XXXX has responded with documentation stating that have verified a Bankrupt with LexisNexis on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I perviously reached out to LexisNexis about this matter which on XXXX, XXXXXXXX XXXX LexisNexis responded with a letter stating they have removed Bankruptcy from its file. So my question to LexisNexis is have you continued to verify this Bankruptcy after XXXX, XXXX XXXX to XXXX if so what verification method was used! please respond on this plate form!
Consumer complaint received 2016-06-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (IN)

I requested to have my account closed and funds returned to me via papercheck several months ago because I do n't use this prepaid card and lost it. Each month they continue to charge me a XXXX paper statement fee and XXXX for account maintainence fee. I 'm still have not received my money. Each time I call it takes XXXX minutes to talk to anyone. I finally waited the XXXX minutes in XXXX XXXX to get a live person. They told me they never received my request, that it was my responsibility to make sure they do their job ( please listen to that call, that statement was actually made ) and that not only do I have to resubmit my request in writing once again, but there was no guarantee that they would reimburse me for the fees. It was up to their " back office '' discretion. This company makes it all but impossible to deal with, in the meantime they keep my money hostage and deduct fees every month. They are unethical and I 'm sure they are taking advantage of thousands of kids just like me.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

For the last 6- 8 months I have struggled with Bloomingdale 's credit card online system to access my account. They created a new system that locked me out of my account for around 6 weeks and I received late fees as a result. After submitting a complaint a few months later prior to me barely using the card, only to buy something in XXXX of their stores, my number was stolen and fraudulent charges was put on my account in XXXX. I was notified and they cancelled the card. The cancellation of the card / account stopped me from accessing my account until today, sending me XXXX replacement cards and opening a fraud investigation they never provided me with the statement that were need to complete the investigations. While I have been locked out with no access to statements, they continued to take automatic payments from my checking account on the fraudulent charges and not giving me the ability to cancel the automatic payments or refunding me the money. I was told no moneys will be refunded until the investigation was completed, there is also no documentation of the automatic payment made on the fraudulent charge except on my bank statement. I am beyond disgusted that they have continued to deny me my basic rights to my account and have continued to hold my money hostage under the circumstance.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IA)

Good afternoon, I do n't know where else to turn in regards to getting my issue resolved. Dealing with their customer service reps has been a real nightmare. It seems like everyone we have dealt with has an attitude or loves hanging up on people. I have worked in customer service for almost XXXX years and I am appalled by their customer service rep 's actions. It is no wonder there are so many complaints about your company online. 

Myself and the borrower on the loan, XXXX XXXX, went through a separation and finally a divorce in XX/XX/XXXX. During that time per the divorce decree, the borrower, XXXX XXXX, was to pay off the loan or refinance in order to get my name removed. This never occurred and he defaulted on the loan. A judgment was placed in my name because of his action- XXXX. 

A couple of years went by and I pulled my credit report which reflected the judgment that was placed. I understand I am still liable for this debt since my name was still on the loan. On XX/XX/XXXX I made a call to XXXX and spoke with a XXXX ( SP ) employee number XXXX. She said we have the option of paying {$1300.00} in order to settle the debt and to remove the judgment out of my name. 
She also stated that in XXXX days the judgment would be lifted and my credit report would be updated to reflect this change. 

I passed this information on to my ex-husband and informed him to contact the number above to pay {$1300.00} in order to get this settled. 

XXXX made the call and made a payment over the phone for {$1300.00}, which cleared his account in XXXX/XXXXOnce it cleared, he constantly called to get a letter stating the debt has been settled in order to get the judgment removed. The rep he was in contact with, never provided this information. 

I thought this was all handled and the judgment was removed out of my name. Fast forward to XXXX this is still showing on my credit report. I called the number again and was told the judgment was still in my name. The rep states she saw a large payment was made, but does n't know why. I explained to her the history above and told me to have XXXX call. 

XXXX called the following days to figure out what was going on. They informed him that the judgment was never settled and its still outstanding. He again explained to the reps the history above. They informed him there was no proof in their system that payment was to settle the debt. Since that amount, {$1300.00}, was made over the phone and there is no letter from collections or your attorneys. They stated they had no proof of that amount, {$1300.00}, was to settle the debt and judgment. 

All I am asking is for someone to look into this issue. Please pull phone calls, look at notes, etc. This has been settled and has been holding up my move.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

In XXXX XXXX, an individual fraudulently accessed my Macy 's credit card account ( Department Stores National Bank ), ordered a new card to their address, and subsequently charged approximately {$1100.00} in goods, which, since my account was set up to auto-pay the bills, was drawn from my checking account as a payment. This occurred a second time before I detected the issue, for a total of approximately {$2300.00} in fraudulent charges. After several weeks of waiting, Macy 's ( DSNB ) refunded these charges. On XXXX XXXX, XXXX, Macy 's ( DSNB ) again stole {$1100.00} from my bank account, and is not providing any explanation for why they have stolen these funds from my bank account. They have restricted my account so that I can not turn off the auto-pay feature, nor see any activity.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I called Navient to continue my rate reduction plan and they had me on the phone for almost an hour and most of it was on hold. They would n't include my pet food and other necessities. The supervisor I spoke with was very rude and he told me to call back again after I had already spent an hour on the phone. He was n't helpful in trying to accommodate our financial difficulty. Our payment is currently {$240.00} and he said we needed to start paying the full amount of {$430.00} which is about a {$200.00} increase that we have to unexpectedly pay. We wanted to continue the rate reduction for at least another year. The interest will also go up as will the payment. When we first took out the loan we did not know what we had gotten ourselves into. All the fine print and legal terms are not legible to a lame person who is not knowledgable with legal terminology. I believe this is how these corporations take advantage of people.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I recently paid off XXXX of my XXXX loans and I have a screen shot that on XX/XX/2017 my XXXX account had a {$0.00} balance and my XXXX account had a {$3400.00}. Today ( XX/XX/2017 ) I received a letter saying my XXXX Loan Forgiveness Program was sent to the loan guarantor for review. This might clear the remaining balance in my XXXX account. However, when I logged into my Navient account today to read this letter, I noticed my XXXX account was at a negative balance, - {$650.00} and my XXXX account has a balance of {$4100.00}. 

My complaint is that interest still accrues during the forbearance time when my application for forgiveness is being reviewed, so interest is accruing on {$4100.00} and not {$3400.00}. I also have a complaint that my application might have been sent to the loan guarantor asking that {$4100.00} be paid off, which might mean Navient will end up seeing a credit of - {$650.00} in my final account and write it off as a profit for their company if my loans are paid off.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

Currently owe {$39000.00} in student loan debt for my son 's education. Requested deferment several times due to financial hardship. While the loan was in deferment a few times, interest continued to accrue. This account has been with XXXX/Navient since XXXX. Payments have been made on a consistent basis for several years now and we have only paid off {$1000.00} in principal in the year XXXX. This is outrageous and we have been taken advantage of. The current monthly payment is $ XXXX
Consumer complaint received 2022-10-02
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. (FL)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX 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
Consumer complaint received 2016-02-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (FL)

My original loan was with XXXX XXXX at the time of the loan it was being paid to them as scheduled we sent them a lump sum and they assigned monies throughout XXXX loans that instead of paying off the loan the was requested. It was then sold the Navient and for months and months we receive bills that said XXXX amount due. we were then notify that we were in default and started negotiating with them in XXXX XXXX we had trouble doing so so we had to involve another party since then they have reported me to the credit bureau you several times which to me is unfair is that I feel is I am under negotiation and I am not getting through to the right department to finalize.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have been contacting Navient for all of XX/XX/2016. I am unable to log in to my online account and I am not receiving paper statements. Aside from checking through XXXX XXXX, I 'm essentially blindly paying Navient every month because of this. When I log in I get 'We need to take you to the previous website while we make adjustments to your new online experience. ' When I click the link to the previous website, I get the exact same error. Every time I speak to them they give me a roundabout answer speaking to my 'account being set up on XXXX XXXX so it 's taking time to transfer to Navient. ' For all I know the money is not being allocating to how and where I set it up and my interest is going through the roof. Ironically, I received my XXXX last week which I was able to log in and retrieve, then when I click 'my loans ' I get the usual error : 'We need to take you to the previous website while we make adjustments to your new online experience. '
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

My loan has doubled and there are fees on it that were supposed to be waived. A forbearance was really easy did n't know about reduced income payments. When I found out called and demanded it. Then they acquired but took forever to process my paperwork racking up fees. My loan has doubled due to the years of forbearance. XXXX and now massive debt.