davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

On XX/XX/2018, XXXX 's denied my credit application in a letter that contains discrimination on its face. The letter is attached to this complaint. The letter was issued in violation of XXXX 's company policy and the XXXX XXXX XXXX
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (NY)

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education / XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX is reporting three ( 3 ) delinquent accounts from XXXX/XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

Citibank is refusing to honor the Publicly available Promotion it advertised in XXXX, XXXX and pay out the bonus associated with certain deposits made into Eligible City Priority Account Package. The initial denial was based on the erroneous claim made by Citibank that the Promotion 's Minimum Deposit Condition was not met. That claim was withdrawn and replaced with the stipulation that " Promotion Code XXXX was not offered in conjunction with the above account '' accompanied by the request to " provide a copy of the Promotion Disclosure that was addressed to you ''. The Promotion that was in effect in XXXX, XXXX was not by Invitation and was not associated with any Promotion Code. Whatever the Code has been assigned, No Client of the Bank would have a knowledge of it, the Code is not available to Public since the Code is linked to the Account Application by the Citibank on the background of the Account opening process. The last attempt to resolve the dispute produced evermore contradictory statement by the Bank 's Representative in the tune of " your account is not eligible to Bonus because no Code is linked to the Account Package. '' All conditions of the " Citibank_Checking Tiered Offer '' were met by me the " Eligible Customer '' including making and maintaining " Minimum Deposit and Minimum Balance. '' in the " Citi Priority Account Package ''.
Consumer complaint received 2018-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX our house was heavily damaged by Hurricane Irma. We contacted our mortgage company Wells Fargo and we were told that due to the fact that we were in a disaster area, we could defer payments for up to three months with no fees or damage to our credit score and that any payments we missed would simply be tacked on to the end of our mortgage. 

We had damage in excess of {$40000.00} and insurance only covered {$14000.00} of it so the rest was out of our own pocket. With Wells Fargo 's blessings, we then skipped XXXX and XXXX 's payment and resumed our payments on XX/XX/XXXX. We only took two month of deferred payments instead of the three Wells Fargo offered. 

In XXXX we were again told that our loan modification had been approved and that we would have the two mortgage payments we missed tacked on to the end of our loan. 

Every couple of weeks we get notices from Wells Fargo 's Home Preservation Department and we call them to find out why our loan has not been modified yet. They have repeatedly told us that we need not worry, that our modification would go into effect XX/XX/XXXX. 

Our loan still has not been modified. We have gone through five different representatives assigned to us by Wells Fargo and each one promises us it will be taken care of and then it isn't. 

The newest one is now telling us that no, they are not going to live up to their prior promises, that adding the payments to the end of the mortgage is not on the table. They have sent up a massive package if information demanding bank statements, pay stubs, tax returns, and lots of personal information. They have sent this to us six times, and each of the prior times, they told us not to worry about it when we called to ask why we needed to fill out the paperwork.

The representative now assigned to us never picks up the phone and her voice mail is full to the point that we can not leave a message for her.
Consumer complaint received 2020-05-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

I was contacted by telephone from quicken loans by a representative named XXXX XXXX on XX/XX/2020. He started in on a spiel about refinancing and told me he was going to do a number of things including looking at my credit profile he did not ask he told me. I did not understand that he was going to do a hard credit pull as I would never agree to that period I received an experience and notice through email while he was talking to me and I questioned if he had done a credit Pole and after a while he stated that he did. I told him I did not authorize this and I want of it off my credit report immediately. He did not reply or comply my request. I filed a dispute with experient today over this issue. I have requested that quicken loans not ever call me for any reason at all yet they still do. I have had don't lock in the past talking with any representative of quicken loans/rocket mortgage. I want does hard credit pull off of my credit report immediately.
Consumer complaint received 2021-02-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

XXXX is reporting XXXX XXXX account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. XXXX ignores my request to delete.
Consumer complaint received 2017-12-20
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: CITIBANK, N.A. (NC)

I made a few purchases at sears and were told a soft credit check will be made to see if I 'm approved for a sears card. Now my credit score is affected due to what turned out to be a hard inquiry.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (MO)

I filed chapter XXXX back in XX/XX/XXXX and was told by my attorney that i may have to hound our mortgage company about reporting to credit bureaus after a year has gone by, so in XX/XX/XXXX we called the mortgage company and asked them to start reporting and they said we need to send a request, which we did on XX/XX/XXXX, then a phone call from them days later about due payment we asked about our request and was told its company policy not to report as of XX/XX/XXXX a policy they have. We think its unfair to us, we are trying to rebuild our credit and them not reporting is holding us back, they said its looking out for their interest. We called out attorney today XX/XX/XXXX and asked him about it and said they cant be forced by him but we could hound them and possibly they would start reporting so we faxed another request to them today XX/XX/XXXX
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I applied for and was notified of acceptance of an Federal consolidation loan through servicer XXXX XXXX with an income contingent repayment. I did this to qualify for a Public Service Loan Forgiveness program via Dept. of Ed. I paid my billing via direct deposit and never took much notice to the bills but to note my payments were received.My loan servicer changed to MOHELA, but my payments went asbefore to Dept. of Ed. 
I have paid for 9yrs and was just informed that I did not qualify for the loan forgiveness because my  repayment was not income contingent, but an extended fixed plan! On reviewing old XXXX XXXX bills, I see that instead of IC I was put into a " Standard '' plan. The bills from MOHELA only say " Install ''type. The materials with my Application define " Standard '' as 10yr fixed but apparently the servicer 'slammed ' me into a more expensive " Extended '' 20yr plan - never notified me, AND disqualified me for the loan forgiveness plan in one shady move! If I was truly on a Standard repayment, I would be paying off the loan next year instead of still owing {$17000.00} and having 10 more years of payments!! I am requesting an admin hearing to resolve this and make the servicer XXXX XXXX make this right. I only consolidated with Dept of Ed because I learned of the forgiveness program - I worked for XXXX XXXX XXXX - and sure as XXXX would n't have opted to pay for the rest of my working career when roughly {$65.00} more a month would have paid me off in just 10yrs!!!!!!
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I 've contacted equifax and XXXX and XXXX on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. 
I being calling the XXXX option 4 which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Upgrade, Inc. (CA)

Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (TN)

I have had problems with Ditech Mortage charging bogus fees, making false statements about my agreeing to have payments taken from my bank account, we have met our payoff but the bogus fees that have been added have me owing thousands more than I should owe Ditech did not and still refuse to send a payoff letter in writing to me. I should have received this letter in XX/XX/XXXX I did get a bill for {$3600.00} in XX/XX/XXXX.When I inquired about it I was told my loan matured in XX/XX/XXXXI was not made aware of this until XX/XX/XXXX. By that time enormous fees and interest charges had already been added.I did have a Deferral of {$730.00}. I have paid XXXX since XX/XX/XXXX. claim they have return check for XXXX on XX/XX/XXXX all payments are paid though XXXX  not the bank
Consumer complaint received 2018-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (IL)

When first encountered by XXXX they said I was a cosigner. Now they have put this account on my credit report stating i am the owner of said product and I owe them over XXXX dollars. tried today XX/XX/18 to speak to someone at XXXX and was placed on hold for over an hour. Placed a call to Perfection Collection only a voicemail. All i wanted to know was the date I purchased this item and what location it was mailed to.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have been working with Loancare regarding loss mitigation options to save my home. I have submitted all requested documents in a timely manner. On XX/XX/2020 I was informed by a representative named XXXX that my application was deemed complete and was now in active review with underwriting pending a decision. I requested that my sale date currently scheduled for XX/XX/2020 be postponed due to this active review and I was told the sale will not be postponed and will only be postponed if I am approved for any options. This is causing more stress to me as now I am sitting on pins and needles awaiting a decision which they informed me would be by XX/XX/2020. That only gives me 3 days to prepare in the event I am denied for any options. I believe this is a form of dual tracking which violates my Homeowner Bill of Rights. Loancare has never reached out to me nor offered me any assistance before they started the foreclosure process, I have had to initiate contact to find out my options. Additionally, I have no single point of contact assigned to my file nor have I ever been provided of any information regarding a point of contact with Loancare.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

I have a Chase saving account ( account number : XXXX ). A fraudulent transaction was posted on XX/XX/30. I filed a claim against it and it was recovered. However, due to the fraudulent transaction, the balance temporarily fell below the minimal balance requirement and two fees were charged. I have been trying to contact via online message, phone call and banker at branches to resolve the fees but none of them worked.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

I have four XXXX grants, each for part of my XXXX programs. I have fulfilled obligations to them, but they were converted to loans at the height of my divorce on XX/XX/XXXX. 
I have always been in this XXXX position, before I took the XXXX   grants, and remain in this XXXX  position, which fulfills all obligations. 
I had recertified every year that was required of me, and never had any change in employment, or employment position or meeting obligations. I had always communicated with the servicers. 
In XX/XX/XXXX I was completely blindsided with a divorce from my spouse. I had no idea it was coming after 13 years of marriage. It was a devastating blow to me and I still today, am recovering from the trauma it caused. I could hardly keep my head up at that time. I was already working a fulltime job as a XXXX in a low income ( XXXX ) and XXXX building where more than half of our population are English Language Learners and/or students living in poverty. I love this job and I wouldnt change anything about it. 
Besides working as a fulltime XXXX, I am also a mother. And as of XX/XX/XXXX, I became a single mother. 
So, with all of that, I communicated to the servicers what happened and that I was still meeting obligation to my grants. They did not care that I was in crisis. I was in a position where I was in a survival state and I was barely making it. And they landed that right on top of me at the height of it they said you now owe {$10000.00} more dollars plus interest. And my job, which fulfills obligations, had never changed. They had paperwork on file that showed my employment. They didnt care. 
I suffered more trauma because of what they did to me. 

XXXX  grants : XX/XX/XXXX-XX/XX/XXXX {$2000.00} XX/XX/XXXX-XX/XX/XXXX{$2000.00} XX/XX/XXXX-XX/XX/XXXX{$1000.00} XX/XX/XXXX-XX/XX/XXXX {$2000.00} Today my total that I owe is {$9700.00} -from a XXXX XXXX for 25 lovely XXXX  in an XXXX and XXXX XXXX building.
Consumer complaint received 2021-02-22
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. (PA)

1. On XX/XX/XXXX there was a dispute filed for transaction. Citi issued credit but then reversed credit without providing copy of any information of why transaction was reversed. Then in XXXX when I contacted Citi and asked how or why, I was given two different answers. I was Sent a time sensitive, password protected document to sign but the credit card system and the protected email are not accessible! I have a right to request copy of communication and to verify information on my end.

2. Upon requesting documents again, Citi sent a blurb stating, " information requested will not assist or matter in disputing transaction or fraud ''. That is the complete opposite of why a cardholder is or would dispute a transaction and provide proof. 
3. XX/XX/XXXX In contacting Citi again, I have been given run around but more fraud transactions are posting to account. Upon several attempts to go online and call Citi, there is no information being provided to assist or communicate about account. 
I feel like Citi is assisting with fraud being committed on the account. 
4. Citi is discriminating in services to certain cardholders.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OH)

Loans cover three schools : XXXX XXXX, XXXX location ( school located XXXX, Missouri XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH ( told all loans where consolidated when attending here ) I want to file a CFPB complaint against Great Lakes for my student loans for abusive practices and non-clear communication to the borrower. They have taken over all my student loans and have never been able to clearly communicate what I owe them for the past 5 years. Every phone call, letter, or text message I receive shows a different amount. I received communications that my student loan is paid off then within 2-3 months I am being told there is another student loan that I owe money on and they are sending me to collections. 
1 ) XX/XX/XXXX I arranged for them to withdrawn an agreed amount on the XX/XX/XXXXof each month. They caused overdrafts to my account by withdrawing the agreed upon amount on various days of the month and not on the agreed upon date.

2 ) In XX/XX/XXXX they chose to stop trying withdrawing the amount and applied and had a court appointed withdraw from paycheck.

3 ) In XX/XX/XXXX while they were taken out court appointed amounts every two weeks, Great Lakes filed a failure to pay for the month of XX/XX/XXXX when they received over {$500.00} that month dropping my credit score over 100 points.

4 ) After they received all their funds requested then sent paperwork stating the loan was paid. Then in XX/XX/XXXX filed another court withdraw for an additional student load that they didnt ask for before.

5 ) After receiving all of the second court appointed funds, they applied to the IRS in XX/XX/XXXXand took all of my XX/XX/XXXX refund for unpaid student loans.

6 ) At the end of XX/XX/XXXX I was sent a letter being told I owed them {$18.00} on my student loan. Then in XX/XX/XXXX that I was turned over to collections for unpaid {$98.00}.

7 ) I am now being texted that if I want to clear my loan for forgiveness to call a number and no  identification who it is contacting me. I dont know if its a scam, if its Great Lakes, if its another agency, if its the collections agency.