davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (NJ)

Navient loans contacted my boyfriend 's parents about my loans. Neither my boyfriend or his parents have any association with these loans an d Navient would  have had to illegally obtain information to even get their contact information. The only person associated with the account is me.
Consumer complaint received 2017-06-07
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: LEXISNEXIS (TN)

I had a Federal Tax Lien filed in error on XX/XX/XXXX. The IRS realized it was an error and issued a withdrawal on XX/XX/XXXX. The withdrawal was sent to the Register of Deeds in my county but XXXX and Lexis Nexis never reported the withdrawal. I filed a dispute and reinvestgation but XXXX  insisted the information from Lexis was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Th e Macy 's   XXXX   XXXX  Credit Card account was overpaid  and Citi blocked the account. After requesting a refund, Citi refused to refund citing " security review ''. This is directly violating the Truth in Lending Act : Per regulation Z, 1026.11. ( a ) ( 2 ), Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Banks are required to refund the overpayment upon request within 7 days.
Consumer complaint received 2017-06-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO. (CO)

Please See Attached letter  and documentation regarding this complaint.. Complaint against Chase regarding changes made to HELOC Loan, Line of Credit , changing the payment amounts, principal and due dates. Chase Not sending an accounting or monthly statement or giv9ing us a good explanation. Not giving full disclosure  on the loan.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

I received extensive XXXX services approximately XX/XX/XXXX my daughter received some minor services on the same date XXXX XXXX 2 to be exact they charged for 4 total she never received 2. I paid up until XX/XX/XXXX and I continuously asked for an itemized statement showing that the 2 charges of {$180.00} each totaling {$360.00} were removed and that I would not pay any additional money until I received this statement. on XX/XX/XXXX I went into the office and spoke to an employee XXXX who stated my account balance was $ 300- {$400.00} but he did n't understand the accounting of it and that XXXX who was in charge was on vacation and he would have him call me 2 weeks passed and I called and left message with XXXX for XXXX to call back he never returned my call. On XX/XX/XXXX XXXX text me stating my account would go to collections for non payment I advised him I have never received an itemized statement as I had requested he stated I could request from collections agency. I received a collection letter on XX/XX/XXXX in the amount of {$740.00} I will also be sending a letter to them.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

Capital accounts is reporting that I owe {$500.00} for a XXXX XXXX. I had to XXXX the Dr. to find where she works. Found out she was one of the Dr. 's who is on call with XXXX XXXX XXXX. I spoke to XXXX at XXXX XXXX XXXX 's billing department on XXXX XXXX 2017 at XXXX XXXX pacific time. She informed me I do not owe the hospital anything and that nothing was sent out to any collection agencies. I informed her about this account and she stated the insurance covered it. Again informing there is no outstanding balances at all.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

Juniper AKA Barclays took my payment out of the wrong account which I have n't used for over a year, put that account {$190.00} in the negative. They refuse to do anything about it besides try to give the money back which could take 30 days and more fees spiralling my account farther into the negative. Barclays also r efused to cover the charges to my account caused by non sufficient funds.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (NY)

I applied for a PNC checking account on the date of XX/XX/XXXX, but never received the {$300.00} bonus as advertised. 

I tried to contact PNC a couple of times and the specialist, on XX/XX/XXXX, told me that I am not qualified because the application was approved ( early XXXX  ) after the promotion period ( The offer is good through XX/XX/XXXX ), although the application was submitted within the promotion period. 

However, the PNC customer service person, on XX/XX/XXXX, provided totally different information. She indicated the promotion period is based on the application date, and I should not have any problems, even if the approval is not immediate.
Consumer complaint received 2017-06-07
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)

I filed a dispute with XXXX, Equifax and XXXX in regards to XXXX XXXX XXXX collection account listed on my report. And explained that XXXX XXXX XXXX is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent XXXX XXXX XXXX a letter certified mail return receipt requesting validation under the Texas Financial Code 392.202, Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated XXXX XXXX, XXXX and XXXX XXXX XXXX failed to property follow the law and never contacted me in regards to my request it has been over two years and XXXX XXXX XXXX has yet to validate and verify the debt to me per my request as of XXXX XXXX, XXXX. After giving them ample time to respond I disputed with the credit reporting agencies and let them know of XXXX XXXX XXXX lack of response in regard to the credit line in accordance with Texas and Federal Law. However, once disputed on those grounds XXXX, Equifax and XXXX verified it thus also being in violation.
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I called on  XXXX   XXXX  requesting options on how to lower my principal amount. Unfortunately, I went into  Income dri ven Repayment program but instant of seeing a deduction of my principal, I see an increase over and over. The amount stills $  XXXX  since my graduation date back in   XXXX  . I mentioned that I worked for th e    XXXX   XXXX   XXXX   for 8 years if any portion of my loan could be forgive, they said no. Their option was to add more funds to my payments, which is totally ridiculously. Specially, now that I found out that my position will be eliminated in  XXXX   XXXX . Therefore, I will be unemployed after  XXXX   XXXX . It saddens my  heart that  something that I did to better myself, pursue an  XXXX  had cost me such of major debt and nobody is willing to help me. I did n't said that I was n't going to pay, I was seeking for assistance on how to lowered my principal and eventually payoff my debt. The education format from  XXXX  is heavily criticized, all funds paid and was n't top notch education!! Please help me understand why I could n't get any positive outcome fro m Navient.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I was scammed out of {$650.00} that was taken from my account through my debit card. The assailant also purchased items through XXXX, and XXXX. 
Claim # XXXX for {$330.00} Claim # XXXX for {$160.00} Claim # XXXX for {$120.00} This claim was for a {$50.00} gift card from XXXX, a {$25.00} to XXXX gift card, and two {$25.00} gift cards at XXXX. They were all purchases that the assailant made with my debit card. The total amount equaled {$620.00}, plus {$150.00} was charged to my credit card. 

I filed claims on each fraudulent charge with my bank and they are refusing to pay it back as they say it was not in their error. I have spent more than three hours a day, since XX/XX/XXXX, on the phone with my bank trying to resolve this matter. I received letters in the mail today saying they were not going to pay it back. 

I had also filed claims separately, for three charges from XXXX {$33.00} for toilet paper I didnt receive, and XXXX for 2 charges of {$24.00} that were for a subscription that I did not subscribe to. 
They credited my account for the one of {$24.00} charges, and the one for {$33.00}. Im having a really hard time understanding how they could have returned these two charges but not credited me for all the charges that were illegally taken from me through my debit card. They also credited what they called a card final payment of {$57.00}. I have no idea what that is for. 

I am at my wits end and dont know what to do. As Im sure you know, times are hard and that money is my only way of survival. I could not get unemployment and I desperately need this money back. PLEASE can you help me
Consumer complaint received 2017-06-07
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: Experian Information Solutions Inc. (LA)

XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may ha ve been purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,  2017 . I never authorized a credit check for anybody in the past   XXXX   years. it is showing up on my  XXXX  report
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

Checked   XXXX   XXXX   and there is a hard inquiry fr om Cbna ( R etail, Not Elsewhere Classified ) on    XXXX   XXXX   XXXX  .  I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   report
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I noticed atm withdrawals from a non citibank atm that were not authorized by me and was brought to my attention when I was overlooking my bank account statements. I called to report the discrepancies to which I was provided with an adjusted credit. The unauthorized withdrawals occurred on  XXXX   XXXX   ( {$200.00} ),   XXXX   XXXX   ( {$24.00} ),   XXXX   XXXX   ( {$64.00} ) ( {$100.00} ) and totaled {$390.00}. All of that credit has been reversed and my account is now overdrawn and has been  blocked with added charges including {$20.00} for the non usage of a citi bank ATM.I am very disappointed with my short lived experience at this institution and was looking forward to banking here. I will make sure to advise to stay away from this bank.
Consumer complaint received 2018-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (IA)

It has now been 60 days since XXXX has taken over the servicing of my loan ( my previous servicer, XXXX XXXX XXXX, has already verified to me that everything was transferred to XXXX on XX/XX/2018 ). I am in the process of trying to refinance my mortgage, but my account is locked due to 'auditing ', so I can't provide any information to my potential new lender. I have repeatedly called XXXX and documented those calls, but each time it's the same story ; no information. Nobody can tell me how much longer this will take, nobody can provide me with any information about my account details, etc. I'm seriously to the point I'm about ready to begin contacting attorneys in my area to see what type of recourse is available to me. For the moment, I will simply submit another complaint ( XXXX has never responded to my previous CFPB complaints ), so I have a paper trail showing my multiple attempts to resolve this issue. I attached a jpeg showing what I see every  time I log into the XXXX  system. Nothing.
Consumer complaint received 2017-06-07
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. (TX)

In  XXXX , I took a {$28000.00} loan for   XXXX   XXXX   with  XXXX   XXXX  - now referred to as Navient. Since that time, I have consistently made the required payments each month for t he past seven years. When I look at my account details, it turns out that approximately {$900.00} of the  actual loan - not interest - has been paid. I have paid {$18000.00} faithfully and respo nsibly for seven ye ars, and all I have to show is less than  a thousand dollar  paid towards the debt. Also, according to my account details, the estimated payoff date is  XXXX / XXXX / XXXX  with the continued payment of {$220.00}. I am unsure as to what kind of math the lender is using, but the projection and monthly payments do not equate - unless the lenders are looking to increase my monthly payment to {$45 0.00}. In fact, the current payment rate would actually take me ten years to pay off.   <P/> As a responsible and educated borrower, I do not feel that the lender is being transparent nor realistic about the repayment process. I call on the Consumer Financial Protection Bureau to investigate this situation as this is a form of financial imprisonment and punishment for me trying to better myself.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

We are trying to get a loan payoff. We requested the payoff on XX/XX/XXXX, and told Ditech customer service that we needed to get the payoff by closing on XX/XX/XXXX. They said it would take 7 to 10 business days because their bankruptcy department would have to respond. As of XX/XX/XXXX, we don't have it. Calls to the customer service number are fruitless. This loan was part of a bankruptcy reorganization that ended in XX/XX/XXXX. The problem is we can't talk to anyone directly in their bankrupcty department about how to resolve the issues. All we can do is end up in call center nightmare being put on hold repeatedly. Trying to talk to supervisors is useless because they never answer their phone and never return their messages. All we want to do is payoff the loan!! Our sale of the property is now in jeopardy, and we have no clue as to who is looking at the issue, no phone number ... .no email ... ..no one to talk to or help get the problem resolved. 

We have documents that show that the loan was out of bankruptcy in XX/XX/XXXX and that the loan was not impaired or crammed down.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I have been a Best Buy Credit Card Account member since XXXX XXXX 2007.  During that time I was unknowingly and unwillingly signed up for a Debt Protection Program that has charged me XXXX dollars a month that I thought was going to my principal. This morning, I received notice that I had to pay {$420.00} just to get my credit card back to its limit, even though I have n't made a purchase using my credit card in almost two years. I was unaware of this because I have made monthly payments on time through recurring payments, yet my account balance has grown. I got to the bottom of it and realized that all the money that should have been going to the principal was going to this program that has provided me no service. I found out, through calling that service that Citibank works with, that I have paid a total of {$1600.00} in fees to this Debt Protection Company. This is not counting all of the extra interest it as cost me to Citibank and Best Buy. The resulting total is thousands more. I have been a loyal customer to Best Buy for over 10 years and feel like, not only I was taken advantage of, but literally was stolen from. I submitted a claim for a refund but was told that I would need 30 days to hear from them and nothing was guaranteed and at that time my only option if I was n't happy with the out come was to write a letter to the following address : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. So I realized it was the BBB and I contacted them. They told me to file a complaint, but I could n't because it was " a business with a complaint for collections purposes with another business. '' I then called Best Buy Citibank Headquarters and they told me there was nothing more than I could do.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on XXXX. While Equifax is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

XXXX. Last reported date on XXXX and Equifax is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

XXXX. Date last Active again is reporting for XXXX and Equifax as XX/XX/2022.
Consumer complaint received 2023-02-10
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I sent them certified letters asking them to remove incorrect info that was placed on my credit report on XX/XX/20 with regards to a XXXX XXXX collection account for {$1200.00} on XX/XX/20 which they signed for on XX/XX/20. I also submitted a complaint through the CFPB Portal on XX/XX/20 because they had violated the Fair Debt Credit Reporting Act and as of today no response from either communication and the incorrect, illegal information is still in my credit file. They had 30 days from receipt to investigate and that time frame has clearly expired.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

On    2010   XXXX   XXXX  my Bankruptcy   was discharged, And when I go look at my status it 's still listed on my report .I tried to contacting them thru filling out a Dispute and it kept through in me out of there site, quite a few times.
It states these, Derogatory public record or collection filed. ( Not listed ) on other reports .Also time since delinquency to recent or unknown covering all bases.amount owed o  n delinquent accounts should n't be any.proportion of Balances to credit limit is too high on bank revolving accounts do n't have any on file.number of inquiry impacting the score. They gave  XXXX  's  XXXX  a  XXXX  and I have A  XXXX .  XXXX   XXXX  is very deceiving company PS. The Bankruptcy should be off record I have proof I am credit fit as proven by my 100 % pay  Back worthyness.please review Experian  and  XXXX  too thanks again