davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

I had a CitiBank platinum select card that had a yearly membership fee of {$95.00} XXXX. The terms of CitiBank states that the account can not be converted or closed until the full year has elapsed and after being charged the following year 's membership fee, you are then able to issue a conversion. After I have issued the conversion ; which was done two days after the fee processed, I was promised to have the full membership fee refunded after 60 days and after the conversion is fulfilled. After a period of 45 days, the account was then processed for a pro-rated refund. I called CitiBank and had spoken to XXXX and XXXX ( unique ID : XXXX ) of the Maryland office and they both provided me with false information stating that I would only receive a refund if I REQUESTED the conversion within XXXX / XXXX ( Differing answers between representatives ), which I did within two days. CitiBank has a conversion period of 45 days for any credit card and will promptly at this point, steal, a portion of the refund. With hundreds of thousands of credit card users, I believe that this is against the law, and that this bank is laundering funds. In essence, the process was as follows : Membership fee processed XXXX, Processed conversion XXXX and was informed of full refund within 60 days and that the conversion may take 2 weeks with a letter stating so, I have not received a letter nor the card I requested by XXXX I noticed a refund on my account processed XXXX. That is a span of 53 days that I was forced to wait and CitiBank processed a partial refund because I was " outside of the XXXX ( depending on the representative you speak to I assume ) period ''.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (KY)

Starting on XXXX XXXX, I began receiving Secure/Confidential emails from a Chase bank representative into my secure message center with CHASE bank that were intended for OTHER CUSTOMERS. I promptly reported this to Chase and they never followed up or returned my call until after XXXX complaints and a call to my local branch Manager, between XX/XX/XXXX & XX/XX/XXXX I have received confidential communications for these XXXX other customers, XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX XX/XX/XXXX - XXXX XXXX CASE # XXXX I believe the information I was provided is a breech of customer confidentiality and CHASE will not follow up appropriately. I also have concerns regarding my personal information as I never received a message on the disposition of my own reported issue? 
CHASE CASE # 's XXXX XXXX XXXX
Consumer complaint received 2016-09-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IN)

Twice in the past 18 months JP Morgan Chase has without cause reduced the credit line on all of my Chase credit cards to within {$400.00} dollars of the current balance, all at once. This XXXX incident they did n't notify me in advance. Their actions has caused my ratio of available to used credit to artificially skyrocket, cause my XXXX score to plummet to a level where I 've been declined employment, my auto insurance rates have increased and credit is unavailable to me at an affordable rate. I 've never been late on a payment to Chase or any other creditor. This behavior is criminal. For those of us making the effort to repay our debts and not file bankruptcy, financial institutions like Chase make it virtually impossible to do so. They are
Consumer complaint received 2016-12-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. ()

My student loan has been transferred from XXXX to Firstmark Services ( web-site below ) http : //firstmarkservices.com/ Firstmark is telling me I am not able to make payments via wire transfer from XXXX bank, via online using Debit/Credit card or paypal because I am based outside of US ( currently live in XXXX ). They also tell me I am not able to make payment via phone because my due date on the loan is so far into the future. They can accept payments via phone only if amount is due this month. However, none of this was specified in the original loan documents as my loan can be pre-paid at any moment. Previously I was making my payments via paypal to XXXX before XXXX transferred the loan. 
They also told me they are not accepting payments online and wire transfers on purpose, thereby making it more difficult for me to be able to repay my loan. This situation is surreal, one would think that if I want to make payments, they should be able to take my money.
Consumer complaint received 2016-03-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I have been paying chase bank monthly for one year yet they still show on the credit report that no payments have been made. In addition, one year prior to this was their delay not mine in " waiting '' for 6 months to pass once my XXXX mortgage was modified ( after a job loss ). They then took several more months to decide not to modify and I was forced into a one year repayment plan which concludes this month. The excessive time taken by their slow churning big business wheel severely impacted my credit score. Despite requests monthly to report accurately that payments have been made, their response was " that 's the way it is done at chase '' I have been unable to recover from the credit score horror chase bank has caused and have been severely punished in every other form of financial service needed, such as car loans, credit cards, etc. Paying exorbitant rates because of this credit score. Please help me fix this problem. Thank you.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

I filed a fraud dispute because a company I made a purchase from was unresponsive during the return process. I called my bank as a follow-up that they requested on XX/XX/XXXX and spoke to an advisor for 15 minutes. Today, I found that my bank recharged me for the items. When I spoke to an advisor today, I was advised that the Agent never logged my follow-up call. She did not notate any of the information I provided and they have no proof on their end that I called. I asked for an escalation of my call because the employees there clearly lied to me previously and I could not trust that my claim was being processed. I was advised that there were no supervisors available.
Consumer complaint received 2016-05-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank and Their Crooked Overdraft Policy The gov't should put a limit on the amount of overdraft fees able to be take a year by banks. They make policies that you can only get XXXX reversed a year. That is blatant robbery. They can take as many a year as they want but I cant appeal for any fees back? First of all, they are XXXX bucks ... XXXX? thats too much! Every time i know i may be over for the month, I move funds around to make it work. Chase bank could clearly see that I was moving funds from account to account and they still XXXX me. All their commercials are lies, they are n't gon na do XXXX to help you.. enjoy my extra XXXX bucks XXXX. Meanwhile, my skinny & poor college student XXXX wont eat this weekend. 

Regards, XXXX
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (GA)

I noticed the company Clarity Services INC on my XXXX and XXXX reports on several different occasions that I had know knowledge of. Dates XX/XX/2015, XX/XX/2015,XX/XX/2015 all advise XXXX. I called XXXX and they were unaware of and had no record of requesting a credit check for me. Clarity Service INC would not provide valid proof that these inquires were authorized instead they want me to provide them with all my info instead of providing me the requested documentation that gave them authority to pull my credit.
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

My bank is small and only in Michigan. I was out of town for 3 weeks and needed to make a deposit via an app in order to avoid an overdraft fee. First Merit Bank does not allow overdrawn accounts to use any online/app features. So I was unable to make the deposit necessary to avoid the overdraft fees. They also would not close or suspend my account ( because it was overdrawn ) to avoid the overdraft fees. So XXXX {$35.00} overdraft fees were charged for being {$0.00} overdrawn with no means available to me to make a deposit while out of state, or stop further overdraft fees from being added. First Merit asserts that I must pay these fees or have them negatively affect my credit rating. This is the definition of criminal activity.
Consumer complaint received 2016-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACCESS GROUP INC. (CA)

I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nair & Levin, P.C. (CT)

the Law Firm of Nair and Levine, debt collector for the XXXX XXXX XXXX XXXX XXXX, is taking me to court for a debt that I have disputed for over 7 years for exhorbitant billings based on estimates, and faulty equipment, which was on my credit report, then removed after I wrote the CEO XXXX XXXX explaining the situation believing he would see my good faith efforts in trying to resolve the issue that was placed on my credit not due to come off for another year and blocking me from obtaining a mortgage. Rather than a reply the matter was turned over to debt collector and a scheduled court date is XX/XX/XXXX. The company in the collection of this debt has threatened me, mispresented its billings, embarrassed me publically claiming I owe this bill when I have disputed it from the first billing. I have tried every way to resolve this matter that is only met with the alleged bill increasing in what I am said to owe, other issues including the malicious litigation that is scheduled this week. I continue to dispute this debt for which from the status conference on XX/XX/XXXX, it is obvious that the purpose is just to grant the company and debt collector judgment and taking action to secure money for them that I have strenuously protested through out that I do not owe. I have documents to support all my defenses and what I setforth in this complaint.
Consumer complaint received 2015-06-05
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CASHCALL, INC. (NC)

I took out a loan from Cash Call XXXX 2014 for {$1000.00} with monthly payments of {$190.00} a month. I lost my job in XXXX of 2014 and continued to make the payment. I called them to make arrangements in XXXX of this year. Because of my unemployment I told them I was unable to make the payment. They would call me about XXXX different times from numbers from PA, OH, IN, CA, TX and NC. All of the calls were less than an hour apart and sometimes back to back. Even when I speak with them, they would call me back hours after to continue the harassment. It is very stressful and causing so many issues in my life. I have advised them that this is harassment and they can not legally do that. If I missed the payment, they would debit my account with XXXX day notification and refuse to stop it causing me to go in further financial hardship. I told them my account is going to be closing and they debited my account again thus keeping my account open until fees are satisfied. They refuse to stop debiting the bank account for over 3 months and every month is the same thing. I being abused by the reps on the line and bullied by them.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

I received a letter from a collection agency for a XXXX bill in regards to an old account. I went ahead and paid the bill in the amount of {$570.00} for account number XXXX. A week later I get a letter form another collection agency I know owe {$200.00}. I called the debt collection company and told them a bill for XXXX was just paid and they said they would close the account out. This was back in XX/XX/XXXX. On XX/XX/XXXX XXXX sent me an alert stating there was a new collection on my credit. I called LJ Ross the new collection company and told them the same info I told the last company. They in return told me that verified the debt and suggested I call XXXX. On XX/XX/XXXX I called XXXX and spoke to a customer service rep and he told me something did n't look right. He stated there was a account opened on XX/XX/XXXX and closed on XX/XX/XXXX. He then stated there was a new account with the same address opened on XX/XX/XXXX and closed on XX/XX/XXXX and said it did n't make sense. He then gave me the number of the department who handles closed accounts. The lady on the phone at that point would n't let me speak two words before interrupting me and saying you owe it and the last person had no idea what they were talking about. I kept asking can you please explain the XXXX account that was activated the same day the last account was turned off at the same address. She would n't. I then asked to speak to a manager and she stated one would call me back by the end of the day. As of XXXX EST I have yet to receive a call. 

The XXXX account numbers are : XXXX XXXX
Consumer complaint received 2023-01-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I refinanced with XXXX XXXX and received notification from then that my loan was transfered back to Seterus for my XXXX XXXX, 2015 payment. When I called Seterus to find out about payment options they had no information regarding my loan. To save myself the headache of not knowing what to do I paid my XXXX payment early to XXXX XXXX. 

I received an XXXX mail package from Seterus around the XXXX of XXXX with information on avoiding foreclosure and a packet to fill out. My mortgage was not late nor in a position for foreclosure so I was confused. When I called Seterus the representative insisted that it was a welcome packet and nothing to do with foreclosure. I insisted that it was not a welcome packet and was basically told that I did not understand what I was looking at. 

The welcome packet came the next day. I called back next day and was told there was nothing they could do about the way my call was handled the previously but that the XXXX mail package I received was something they send to everyone and that I should just ignore it. 

On the XXXX of XXXX I activated my Seterus account with my new loan number and signed up for Auto wthdrawals. The information on the auto withdrawal page said my XXXX payment would be withdrawn on XXXX XXXX. 

Today, XXXX XXXX, I checked my account information online to confirm that my XXXX XXXX payment will be processed and I could not confirm so I called customer service. I was told that they did n't show any pending ACH but that I should call back after XXXX XXXX to followup. I voiced my concern that is after my payment is due and was offered other payment options, none of which would guarantee that my ACH might not hit as well. 

I could not get any response on who processes the ACH requests, whether or not my ACH was received and just in process or how to prevent the possibility of double payments for XXXX if I used any of the other paymen options since they could not find any confirmation of what was going on with my ACH request. I spoke with XXXX XXXX, Customer Service located in XXXX, NC. today XXXX XXXX, at around XXXX. 

My experiences with Seterus so far in regards to my loan so far makes it seem as if they are focusing on putting road blocks in my way to force me to make my payment late. First, not receiving notification of my loan transfer that was effective XXXX XXXX until XXXX XXXX. Secondly not giving me a clear answer on the status of my ACH processing and if my XXXX XXXX payment will be auto withdrawn as indicated on the online submission but instead telling me to call back after my payment is due. Per the representative there was no escalation process for additonal help and callig back or using XXXX of the other payment options with the chance of a double payment were my only options. I am very concerned about the timeliness with which Seterus has handled my mortgage information and that I am not getting correspondence from them until after the fact.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I have Navinet and was told I had to do a forbarence in order to bring my account current to do the IBR. They reported my payments of IBR and it lowered my credit score. I pay my bill through their site which is now no longer working and they say I am missing payments. I ay what the online says each month. Apperently not all of my accounts are in one profile? I do not know where my payment is going? Site just went down this month.
Consumer complaint received 2016-01-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

I have had a reoccurring issue with Navient. Started about a year ago when I suddenly started receiving a bill. I called to check on the bill and was told the bill did not need to be paid because my co-signer was filing for bankruptcy. When asked why I had not received notification of what was going on, I was told by law they did n't have to reveal anything. This all happened while the loan was building interest. I started to pay my bill and got the inflated bill caught up. Around XXXX 2015, no bill came. This continued for about 3 months. I finally was able to log into my account and found out my bill was 3 months past due. I called Navient on XXXX XXXX, 2015 to discuss the issue. They validated my mailing address and phone number. When asked why bills stops, they stated the bills were always coming and the issue was with the Postal service. When further asked why I had not received phone calls regarding late billing, the response was that the phone number was not validated. My current address has not changed in almost 5 years and current phone number has not changed in over XXXX. I spoke with a regular employee and manager. I was badged by the manager who stated, " you know when the bill comes, just pay it. '' When continuously stating that I have not received anything regarding a bill by phone nor mail, the issue was never with the company. I asked if there was a way to correct the issue and get the late fees and penalties removed and was told no. Since this conversation, I have checked with the Postal service. Their statement was, " why would delivery every piece of mail except XXXX? '' The employee is willing to write me a formal letter stating that they have delivered all mail. Also since my conversation with Navient, I now am receiving my bill that had quit coming for 3 months.
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

Navient failed to notify me twice about renewing my repayment plan. I got a notice on XX/XX/2016 through email saying that I have a new document to be viewed. This email did not specify what kind of document it was. 3 months later on XX/XX/2016 I saw that my interest was capitalized and it was way overdue to renew my repayment plan I was able to submit my renewal for a resumption of my income based repayment, but Navient refused to removed the capitalized interest even technically I have not changed my plan. In addition, Navient failed to notify me twice, as required by Department of Education, to renew my plan. I hope that CFPB can help me with this situation as Navient entices customers to have email notices as a form of communication, but fails to provide what information the notice it contains ( most of the communication are the payments and monthly bill ). It is a setup for consumers to miss important notices such as renewal of their repayment plan. In addition, Navient failed to notify me twice about renewal of my repayment plan. The Department of Education requires loan servicers to notify borrowers twice about renewing their plan. I only received one notice about this and it was solely missed because of the above situation. Finally, Navient is a company whose sole drive is to make money for its stockholders and I believe that they are finding loopholes in the current system to increase payments by borrowers like me.
Consumer complaint received 2016-08-10
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (NC)

Navient ( XXXX XXXX ) continues to call me on my job about my ex-husband 's student loan. I have asked them to not contact me. They said that they are calling because he used me as a reference. I spoke with the manager and was told they would remove me from the calling list, but I have XXXX new calls on my voice mail.