davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NV)

XXXX XXXX,2017 I 've decided to make things right showing proof to Nelnet student loan just took over my student loan by writing checks from XXXX - XXXX post dated showing what I could pay well unexpectedly events happen that left my checking account little that Nelnet started processing my checks I know that if they waited a couple of days my direct deposit would have solve the problem but no they kept processing more then XXXX leaving my checking account from a XXXX negative to almost a thousand negative I was devastated and left with nothing and have XXXX daughter 's to support I was miserable felt violated I called them as they say it 's up to the treasure not only did I called but sent emails a few times to stop processing my checks no response.The only thing in my name that was on good standing my child support direct deposit all of it to the mistakes I thought was doing right. I never recover from it. My whole life I had people take advantage of me and it never stops I 'm a single mom I 'm trying to get my life back at the same time care for my XXXX XXXX XXXX dad and look out for my older brother fortunately family has helped but it does n't fix what I had.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (UT)

RE : Home Depot / Citi Bank Card I had a limit of {$18000.00} with a balance of only {$10000.00}. I have paid on this with Autopay and have maintained 100 % positive payment history with this and ALL my credit cards. I recently paid off about {$25000.00} on other accounts and then recently opened an account for my home air conditioning with XXXX XXXX for {$15000.00}. So my overall debt has come down since I opened this account and have maintained 100 % positive payments on all my credit accounts. I have also had my income increase since opening the Home Depot account. On XX/XX/2020 Citi Bank system ran a report that noticed the recent addition of the XXXX XXXX account and they decided to reduce my credit line by {$8000.00}. This adversely impacts my debt to credit ratio hurting my overall credit score. Citi Bank did not really care and offered no way to correct this. In addition the supervisor did not have any information to provide me on their OCC auditor or any contact information for their compliance office and told me I had to write into this address to get anymore information : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The agents badge number I spoke to was : XXXX Citi Bank has hurt my credit even though I maintained my end of the agreement and have a 100 % positive payment history. 

Stay away from Citi Bank and Home Depot!!!!
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KEYCORP (TX)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I filed a claims with XXXX XXXX and CITI XXXX to resolve a Disputete regarding a seller who made a claim for payment through XXXX XXXX  for services or products that were not provided. In addition the seller misrepresented themselves as technical experts in the use of XXXX products. 

The facts of this claim are that on XX/XX/2020, I made a XXXX search for " XXXX XXXX Support '' resulting in the first response being an offer of expert technical support. I called the phone number provided, XXXX that was answered by a female person named " XXXX '' who stated that could provide assistance upon verification of my identity. " XXXX '' stated that it would be necessary to verify my identity by means of a XXXX XXXX  transaction. I questioned this transaction and she assured me that there would not be any charges made to me as a result of this process. She walked me through through the transaction setting that I needed to use the " XXXX identification code of XXXX '' in the transaction to complete the identification process. I asked her again if any charges would be made to me and she stated that this was a " dummy '' transaction and " no charges would be made. '' I began to explain the technical problems I was having and she could not understand what I was saying. I heard loud background noise and " XXXX '' said I should call her back on her direct line of " XXXX. '' I became suspicious and after hanging up tried to call her back, however, there was not answer at that number. 

At this point I felt that the conversation with " XXXX '' might not be legitimate and I called the CITI customer service at " XXXX '' to report a possible fraud. I was that two transactions had posted XXXX account in the the amount of {$510.00}. I promptly disputed this and was told to wait until the CITI statement period to further continue the dispute. I followed up with two more calls to CITIto make sure that the dispute had been filed. CITI advised me to close the credit card used for the transaction and they would issue a replacement. I followed up calling the seller and found that there telephone numbers Was given were no longer working. I obtained the name of the seller from XXXX XXXX  as " XXXX XXXX '' and have not been able to locate them. I also look at my XXXX XXXX  account and the sequence of events regarding the transaction showing that XXXX XXXX  sent emails to the seller ( XXXX XXXX ) and did not receive a response. 

The bottom line is that this seller did not provide any services or products, never quoted any pricing, and misrepresented themselves as " XXXX XXXX experts. '' I have talked to CITI XXXX several times and they have replied that there is nothing they can do except charge my account, which they have done even though they were notified immediately of the suspected fraud. CITI stated that in cases of " scams '' there is nothing they can do.
Consumer complaint received 2017-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (UT)

Back in XXXX, I was admitted to XXXX XXXX to receive treatment for XXXX. I had to visit the ER 3 times, and not once did anyone tell me that my insurance was covered. When I talked to my father about it all, he said that he took care of it all and that he paid it. I am a XXXX XXXX XXXX  XXXX so money already is n't very common for me. XXXX of XXXX I noticed that my credit had gone down by 200 points, only to find out I had all of these unpaid XXXX bills that my father said were taken care of. I did n't know that these bills existed, and no one told me anything about being able to dispute it either. I feel as if It should be settled, because I am still a XXXX XXXX XXXX in school, struggling to make rent, because of all of this nonsense I had no Idea about in the first place. IC Systems called me for the first time in XXXX and that was the only time I learned that I had these things against me.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Consumer complaint received 2017-09-29
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: KBHS Home Loans, LLC (CA)

I went to XXXX XXXX this past weekend on Sat XX/XX/XXXX to purchase a new home. They stated they would have to cross qualify me. I did not authorize or sign anything for them to run my credit. I did fill out the basic paperwork and contract which did include my ss #. However, I told the lender I would have my lender send them all the current information I just gave them. I had the lender from XXXX XXXX XXXX call me on Sunday  XX/XX/XXXX stating he would need some information. At that time, I told him I was on vacation until a week more and told him not to run my credit as my current lender would send him all my recent information. I received notification today from my credit company that a hard inquiry was made on my account. I spoke with him and he admitted to running my credit today and said he thought he had the form. I am super upset that this person XXXX XXXX took it upon himself to do this. This has now lowered my credit report number. His information is below. XXXX XXXX Loan Originator KBHS Home Loans LLC XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXX XXXX. XXXX.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (TX)

A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXX and XXXX refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.
Consumer complaint received 2020-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I recently sent letters over 60 days ago to these bureaus and they are disregarding a regular consumer dispute. I am very stressed I have been sending letters before filing this complaint and still no response.
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

Fay Servicing XXXX XXXX CA XXXX XXXX Fay Servicing claims they cant tell us anything about any generic part of the short sale process at all until we have an authorization on file. ( refusing to tell us what is needed for a short sale package until we are authorized on the file. ) It has taken 2 months for Fay Servicing to tell us which authorization they wanted. And now, they are trying to do a deed-in-lieu. A deed-in-lieu can not be done on this home and we have already told Fay Servicing this. Their previous servicer, XXXX, attempted a deed-in-lieu, forced the homeowner to leave the home, illegally, when they did not have the legal right to force an eviction, AND they could not do a deed-in-lieu because there is a 2nd XXXX. 

It is obvious this is nothing more than a con to scam the investor out of servicing fees.
Consumer complaint received 2017-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (OH)

I was contacted by an unknown number that left a voicemail. Said his name was XXXX XXXX and had documents for me and I had to sign with a witness. I was given a call back number. I called and I do n't believe they identified who they were. The man said something about a Citibank account- Shell card.  Now this is a debt I do owe but their information was not lining up. They claimed they were working with Citibank to collect and that if I did n't comply, they would sue. I contacted Citi and they no longer own my account- it 's been sold to a debt buyer which I 'm unsure who owns it. But they gave false information stating Citi would sue. Mind you, this is an account that 's maybe 400 dollars. When I told him I was not home for the courier, he said they would go to my wife 's work. My wife is not on the account with me so that right there is a red flag. When I XXXX  the number all sorts of things came up and most experiences were similar to mine. I contacted the police and they too think it 's a scam
Consumer complaint received 2017-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I was a regular user on Coinbase 's XXXX exchange for virtual currencies. One day while I was submitting orders their exchange had technical problems. My order was submitted and funds locked up, however, the order was never filled, and I was unable to cancel the order. Ever since my money has been unaccessible ( in any form ). 

I have tried reaching out to Coinbase over several medium including submitting a request ticker on their website and via email. I have received no response and my money has been inaccessible for days.
Coinbase has become notorious for their treatment of customers complaints. In fact users have had so much difficulty contacting Coinbase that scam artists took note. A successful recent scam was to pretend to be Coinbase technical support and create phone numbers and websites. Frustrated users who are unable to get in touch with Coinbase would inevitably resort to XXXX  for alternatives and unwittingly click or call one of the scammers.
I would be satisfied if my money was returned to me, however, I feel that action should be taken to force Coinbase to handle customer complaints. I am not asking for a miracle, even a basic response after a few days saying they are looking into the problem would be acceptable. 

Please do n't let this business continue to act in this manner. 1. They are abusing their customers and 2. They are opening up a window for scammer to take advantage of their customers. 

I would be happy to provide my account and contact information if it helps in this process,
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (TX)

Tried multiple times to have a consumer statement deleted on my Equifax consumer report. I have disputed ( requested for statement to be deleted ) several time via the automated system on MyEquifax and I have also spoken with several representatives however the consumer statement still exists. I have tried to get this consumer statement deleted since XXXX of 2019 however my attempts have been unsuccessful.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

In early XXXX, I signed up for a US Bank checking account after looking to see what promotional offers other banks were offering. The US Bank promotion seemed the most promising, offering {$400.00}, if I were to sign up, deposit {$5000.00} in direct deposit within 60 days, and enrolled in online banking, all of which I did. On XX/XX/XXXX, I passed the {$5000.00} mark and have repeatedly tried contacting US Bank regarding the issue, but had not received a clear answer. Today, XXXX, I was finally able to get into contact with a banker, XXXX, who informed me that due to having been previously overdrafted, that I would not qualify for the promotion. There was no such indication that this would disqualify me, and as of right now, the account has a positive balance of {$0.00}. The maximum that US Bank ever allowed me to overdraft was for {$50.00}, and I would always bring the account back to a positive balance. Keep in mind, this is something that US Bank heavily emphasizes, too. That as long as you dont overdraft by more than {$50.00}, you are safe from any OD fees, etc. I would use that feature, not thinking it would be a detriment to me receiving my bonus, especially when I would always bring the account back to current. While it is stated that a positive balance is required to receive the bonus, there was no indication of when that positive balance was necessary, and I feel completely misled by US Bank, who I believe are doing all they can to not provide me with the bonus I earned, after having entrusted them with my direct deposits from my employer.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX. I use Citi credit card. In XXXX, XXXX, XXXX, all my statements are correct. In XXXX XXXX, the Statement said I have re-owned the company {$380.00}. I have called the credit card company, and they said they have re-sent that amount of money twice. I said I only got the money which should belong to my CitiBank debit card, which is {$380.00}. The Citi credit card company said I should go to the CitiBank directly to check it out. I have gone to CitiBank for three times, and they said the money which I used to pay the credit card is not responsible to the CitiBank, and they said I should talk to the credit card company instead. The Citi credit card company said it is not their responsibility even if I have called them for 7-8 times. 
Right now I am confused, and nothing I could do but ask the FDIC to see whether you could help me.
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Navient processes my student loan. There is no option on the initial payment method online to make additional payment to principal. This is misleading to the consumer and creates a situation that takes advantage of the student who may have a low level of understanding of the process. In order to pay beyond the standard payment two separate payments must be made. This is not clear or instructed anywhere that I can find online
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NC)

I started the loan in XX/XX/2021 Ive made payments then fell behind. Moneylion sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with XXXX they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.
Consumer complaint received 2020-04-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I currently have 3 loans with Navient for which the interest rates are outlandishly high. For one loan the rate is currently 12.75 % and the balance is {$16000.00} and for the two other loans the rate is 16 % and the balances are {$12000.00} and {$12000.00}. My wife called Navient on my behalf XX/XX/20 and was informed that I would likely be eligible for a temporary interest rate reduction and Navient advised my wife to have me ( the borrower ) call to have the rates reduced. The customer service representative agreed with my wife that the rates were very high. When I called on XX/XX/20 to inquire about a temporary interest rate reduction, I provided Navient with all of my financial information and was then told that I did not qualify for a rate reduction. When I asked why I did not qualify for a rate reduction, I was only told that I " did not qualify for a rate reduction at this time on my account. '' I was not provided with any further details or solutions. I have called Navient in the past and have received temporary interest rate reductions. I have also asked for permanent rate reductions in the past and have been told this is not an option. The company also will not allow me to refinance with them for a lower interest rate. I am having trouble understanding why a fourth loan that I have with the company has a very reasonable interest rate of 2.75 % and why I can not be offered a lower, more reasonable interest rate on the three aforementioned loans.
Consumer complaint received 2022-10-03
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. (TX)

My XXXX husband XXXX XXXX ownes this house and I haven't lived at this property since XXXX. He lives there with his New wife and kids. My Divorce decree confirms that XXXX XXXX should have refinanced the house in XX/XX/XXXX.