davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (MI)

I opened up a personal checking account with TCF Bank online on XX/XX/2017. They requested a supposed " credit check '', which I submitted to, but have never received the results of this supposed credit check. 
On XX/XX/2017 TCF Bank said via email that my account was opened, I received nothing. 
On XX/XX/2017 they told me via email that my debit card was in the mail. 
I received this debit card on XX/XX/2017, which had the wrong name on it! I have absolutely no idea how TCF Bank came up with this wrong name after supposedly doing a credit check. The name was not XXXX, but instead is XXXX! Who is that? I have no idea. 
On that same date, I called their 800 number. They told me to go into the local bank and that they could change it and issue me a new card. I told them that the local bank could not print out a new debit card, but their on the phone support said that they could. 
I went into the TCF Bank located at : XXXX, XXXX, MI XXXX on this same date, which again was XX/XX/2017. 
I took in the card and ID, told them it had the wrong name, they had no idea what I was talking about. They got that particular bank manager to come over, she had no clue what I was talking about. The wrong name! 
So they had me fill out a name change form. Why? I have no idea. Because they do not know what they are doing at this location either. I did the name change form. They said a new card with the correct name would be mailed out in 2 business days. 
Fast forward a week later, no card and name on account is still wrong. I call the 800 number for TCF Bank on XX/XX/2017, she calls the local bank in XXXX, MI. 
The location in XXXX, MI never even sent in this name change form! So it was sitting at this office for an entire week, with my personal information on it, plus my Social Security number. This is outrageous for a bank! Who trains these idiots? 
The lady on the phone says again, the name will be changed in 2 business days and a new card mailed out. It is currently XX/XX/2017 and I just logged into my TCF Bank account, the name is still wrong! It is still listed as XXXX. 
This is direct deposit from Social Security. This is a lump sum for Social Security XXXX because I am XXXX, as per the Federal Govt. figured out. I do not appreciate being treated like this by TCF Bank. I currently do not have access to my funds either! I do not have any ID to match to the account or the bank debit card that says my name is XXXX. I have given them over a week and a half for a simple name change, that should not have been wrong in the first place. It is still wrong.
Consumer complaint received 2015-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

On XXXX/XXXX/15 I was notified by XXXX creditor monitoring service that Enhanced Recovery Company ( ERC ) has placed a collection account on my credit file. On XXXX/XXXX/15 I notified ERC that I have no knowledge of an account or balance with XXXX and requested verification of any such account. I received an email message form ERC on XXXX/XXXX/15 stating they would cease communication and request documentation from " their client ''. As of this date I have yet to received any information or documentation to valid any such debt. Enhanced Recovery Collections is in clear violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

THIS ACCOUNT DOES NOT BELONG TO ME. I TOOK OWNERSHIP OF MY LEASED PROPERTY IN XXXX XXXX AND SIGNED CONTRACT FOR UTILITIES WITH XXXX UNTIL XXXX XXXX WHEN I COMMENCED SERVICE WITH XXXX FOR INTERNET AND CABLE PACKAGE. I HAVE HAD A XXXX ACCOUNT SINCE XXXX OR BETWEEN XXXX AND XXXX.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (ME)

I do not know who erc is. It looks like it 's for XXXX on my report. I had XXXX for several years and XXXX before that. I am not aware of anything on my credit that 's delinquent and I have nothing for this balance. I pay my bills in full every month. I have made several attempts to contact them. This needs to be removed from my credit profile. It is not mine.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

the credit agency Experian, XXXX and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our ChapterXXXX XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
Consumer complaint received 2015-04-04
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (NY)

I had my account locked for no reason by NetSpend. I sent in all the accepted documents that also had to be within 30 days. My bank statement was dated XXXX/XXXX/2015. And I then got an email 5 hours later of faxing the information stating it was not within 30 days. I have {$5400.00} in that account and proved who I was multiple times.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

My parents were co signers on some of my loans and they ended up in bankruptcy. Navient did not allow me to make any payments during this time, But Navient continued to accrue XXXX years of interest. 

I continue to pay more then what is owed but my balance keeps going up. 

My account says that I owe nothing for some months but when I click on the specific account I can see that there is an interest balance. This is deceptive, it makes you think that nothing is due that month but really you are accruing more interest. 

I went to XXXX XXXX a for profit school. I was never given information about my lender, never given information on my credit. Never told about monthly payments. 

I have called multiple times to see if my interest rates could be lowered but they have told me multiple times that it they are based off of what the government decides and there is nothing I can do to lower them. 

I was told that I am not able to consolidate in any way. 

My interest rates keep rising and it 's getting to a point where I can not afford to live. 

Whenever I call their customer service all they say is there is nothing they can do.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I borrowed money from XXXX to get me through college and borrowed {$30000.00}. Fast forward 9 years out of school and I owe them {$32000.00}. I have continued my payments through out those 9 years and have nothing to show for it. I went on an interest only plan and they kept that going for 5 years. At the time I thought I had lowered payments because I was struggling. Now they jumped my payments up to {$460.00} a month and it 's difficult to cover. Why would they let that go for 5 years with the only letter coming one month before they spike up the charges. And on top of that, it was very difficult to find someone to talk to about my situation. It 's not easy living paycheck to paycheck and to add all this on top of it. It 's dragging me down.
Consumer complaint received 2023-02-24
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. (IL)

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-09-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

My fianc just opened up an checking account after he received money from a law suit. he wrote me a XXXX XXXX XXXX personal check to add to the money that we are saving to purchase a home. Unfortunately, he did n't sign it. It is a new account with starter checks and there was no place for him to sign ; ( he 's new to this and I do not rite checks ; only use debit cards ) so I signed the back and endorsed it in my account ( thinking nothing of it ). My account was terminated. I followed the directives given by chase representatives to try to resolve the matter ; I even brought my fianc with his checks, ID, and account info into my branch confirming that his checking account existed, and had the funds available at the time of request and still they chose to end the relationship as I was informed today. I could provide you with all necessary info regarding tis matter ; but I need time to get all supporting documents from my fianc. I was very eager to contact someone for help and get the process started to officially resolve the matter.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I am currently the owner of residence address XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. My loan is with Citibank. The loan number is XXXX. I have been trying to get a loan modification with Citibank and we were almost successful with it. The loan modification that Citibank tried to give me was tremendously high. Citibank tried to charge me {$750000.00} for a condo that market value was {$300000.00} on XXXX/XXXX/2015. My monthly payments were going to be {$3000.00}. I would love to stay in my home but I think it is unfair for me to pay more than what the fair value market is. Citibank valued the property at {$300000.00}, please see attachments.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

My credit card account ( account ) had a statement balance amount of {$440.00} dated XXXX XXXX, 2016 due on XXXX XXXX, 2016. 

Prior to XXXX XXXX, 2016, the payment due date, my account was posted with XXXX credits for returns which totaled {$480.00} With the total credits from returns of {$480.00} exceeding the statement balance amount due of {$440.00} by {$38.00}, it appears to me that I did not have to make a payment and I did not. 

Unfortunately, my account was assessed with a late payment fee of {$25.00} for not making a minimum payment. The explanation I got on the phone from the credit cad provider was " credits do not count as payments ''.
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

This collections agency has called several times and hung up. I have been in contact with the collections agency and scheduled payments, but they still call and hang up. I 've asked them to make a note on my account that my payments have been scheduled via EFT but they continue to call, and when I answer, they hang up.
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I CONTACTED SEARS HOME IMPROVEMENT TO INSTALL HEATING/AIR CONDITION IN MY RENTAL HOUSE AT XXXX XXXX XXXX XXXX, NC XXXX. I WAS GIVEN THE PRICE AND ADVISED IT WAS INTEREST FREE FOR THE XXXX 12 MONTHS THEN AFTER THAT THE INTEREST WOULD BE BILLED ON REMAINING BALANCE. I HAVE PAID XXXX MONTH FOR 12 MONTHS WHICH LEFT A BALANCE OF XXXX. AS OF THE XXXX BILLING STATEMENT. MY XXXX STATEMENT {$1500.00} WAS ADDED TO THE STATEMENT. SINCE I HAD NOT MADE ANOTHER PURCHASE I CONTACTED SEARS PHONE ON THE STATEMENT ONLY TO FIND OUT THE STATEMENT WAS SENT OUT AS SEARS HOME HOME IMPROVEMENT BUT THE NUMBER ON THE STATEMENT WENT TO CITIBANK - WHY SEARS IN LISTED AS THE COMPANY AND CITIBANK IS THE PHONE NUMBER IS BEYOND ME. THE SUPERVISOR ADVISED THAT {$1500.00} WAS ADDED FOR THE RETRO INTEREST TO THE XX/XX/2015 STATEMENT BECAUSE THE BILL WAS NOT PAID IN FULL IN XXXX YEARS AND INTERST WOULD ALSO BE ADDED IN DOUBLE DIGITS PERCENTAGE. THIS IS NOT WHAT THE SALESMAN THAT SOLD ME THE UNIT TOLD ME. SO NOW I HAVE PAID XXXX XXXX XXXX. AND NOW THEY CHARGE XXXX MORE WHICH AMOUNTS TO XXXX BEING CREDITED ON MY ACCOUNT. PLEASE HELP ME I HAD XXXX XXXX AND NEED YOUR HELP DESPERATELY. I HAVE REQUESTED A COPY OF THE AGREEMENT ONLINE SO I CAN FORWARD TO YOU BUT HAVE NOT RECD YET - THIS IS BAD BUSINESS AND THERE IS NOT TELLING HOW MANY TIMES SEARS HAVE PULLED THIS TYPE OF DISHONEST TRANSACTIONS TO THE CITIZENS OF NORTH CAROLINA. PLEASE HELP XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2014, XXXX XXXX XXXX contacted me and offered to mentor me in my online business as per description of services : Business Entity Setup, Corporate Credit Building and Training Basic and Social Media Pages Buildout & Design Basic. They charged me {$16000.00}. Because the company double charged me on my XXXX XXXX card by {$5400.00} - XXXX XXXX did get the overcharge back for me. XXXX did not perform as contracted, so I requested reimbursement of payment through both Credit Cards ( Citi Bank {$6500.00} ) and ( XXXX XXXX {$5400.00} ). I was informed XXXX XXXX XXXX eventually was accused of Fraud and was shut down. At the time I complained to the banks, they were still open. Initially Citi Bank reimbursed me {$5000.00} but then they recharged me because they said I was too late and they never submitted the claim to the company. I am writing you to request assistance in the return of all my money totaling {$11000.00}. I am attaching all of my paperwork. Please contact me at XXXXXXXXXXXX or call me at XXXX. If you need anything further, kindly advise. Any assistance in this matter is greatly appreciated. Thank you.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (VA)

I have a credit card from Macy 's. Without my consent, they enrolled me in a credit protection program from Citibank in which they will charge my account. I received a letter I was enrolled in the program. They provide a web site for me to cancel. i search the address sevral types and nothing shows up. I have to try to call them to cancel. I am a very busy oerson and I should not be enrolled on programs without my previous consent.
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (SC)

payment was issued to Macy 's on a account that reached the statue of limitation so the debt can be cleared. I called to check on the status of the payment posting several times to finally be told that they mailed the payment back. Well the payment posted but to the wrong account. Now I am being told that I have to mail in the copy of the check to a XXXX XXXX with not time frame as to when the payment will be put on the correct account. There are no managers that are available to assist with this matter. This need to be solve as soon as possible. I was also told that they ca n't send me a receipt showing that the payment has been posted to the correct account.
Consumer complaint received 2017-01-14
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (MA)

I MAKE PAYMENT USE MY PAYPAL ACCOUNT, FOR INVESTIGATION SERVICE, I DONT RECEIVE THE SERVICE I PAY FOR .I CONTACT PAYPAL TO COMPLAINT ABOUT IT, PAYPAL REFUSE TO TAKE MY COMPLAINT .I CALL MAY BANK // ALLY BANK, THE OPEN A CLAIM, THEN THE SAY EVERTHING NEED TO GO TRUE PAYPAL .I COMNTACT PAYPAL ABOUT IT .PAYPAL SAY THE REFUND MY ACCOUNT .NOW I DONT NO WHERE IS MY XXXX DOLLARS GO
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

My private student loans were charged off and turned over to a collection agency sometimes in late XX/XX/XXXX I believe, though overall I 'm unsure as I do n't recall receiving the initial formal notice. I filed for Bankruptcy in XX/XX/XXXX, and began making payments in an attempt to repair my credit in XX/XX/XXXX. I have been making regular, on-time payments since and entered a formal payment agreement with reduced interest rate as of XX/XX/XXXX as well. Since, the collection agency has continued to be irresponsible in their collections practices, forgetting to contact me to initiate reauthorization of payment arrangements and more recently sending notice of intention to pursue debt, for which I am already paying as agreed. 
Further, the originating debtor reports my account as " closed '', though continues to report my account as a " charge off '' each and every month to the credit bureau, continuing to damage my credit each month despite this already being turned over to collections and me paying on it each month as per a formal/written agreement. I have attempted to contact the original debtor to address my concerns with their collection agency and get some guidance as to options available and potential rehabilitation and reassuming my debt, though have been unsuccessful in reaching anyone as each time I am redirected to the collection agency through the phone system.
Consumer complaint received 2016-08-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (OK)

I recieved a {$500.00} loan from a company called NorthCash on XXXX/XXXX/2016. Loan agreement had me do first payment of {$120.00} and XXXX payments of {$170.00}. So far I made XXXX payments. Since Northcash is not licensed in the State of Oklahoma the loan is illegal! On XXXX XXXX, I sent a letter to Northcash stating that they are not licensed in Oklahoma and I 'm willing to pay the principal of the loan which I owe {$35.00} since i paid {$460.00}. Hours later I received an email from Northcash stating as a courtesy, they will wave all fees and interest and I owe only {$35.00}. A few hours later I received an email from Northcash stating that I have a balance of {$410.00} and I can do XXXX payments of {$130.00}. I called and talked to the representative and she claims because if my age I do t know what I 'm talking about!
Consumer complaint received 2017-01-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (ND)

I received a credit report from XXXX. In said report were reports from Navient. I attempted to dispute the report/alleged account with Navient based on the mailing address being reported. I mailed the dispute via certified mail and was delivered XX/XX/XXXX. The delivery address was not the address listed in the credit report. The credit report reflects incorrect reporting information. Furthermore, I have not received information confirming the alleged account.
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (VA)

In  XXXX  I attended  XXXX  College. The loan amount of {$2000.00}  ( l isted as {$1700.00}? ) was disbursed on  XX/XX/XXXX . At the time I was planning on being a teacher. This was the only college loan I accepted. The loan was paid early on  XX/XX/XXXX . I received a statement from Fedloan Servicing dated  XX/XX/XXXX  showing a loan balance of  XXXX . Since then I routinely receive notices stating I still owe the {$2000.00}. Both my father and I have call ed three times over a three yea r period and confirmed the loan was repaid in full. During each of the phone calls we asked that the notices stop. The periodic notices never did stop. Last week I received a notice that i n three month s Fedloan Servicing will be wanting payments. I do not want my credit ruined because this company is so inept.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (OH)

Bureau Name EOS CCA Original Lender XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XXXX XXXX 2014 Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WV)

Everytime that I call Navient I get a different response, I 'm trying to lower my payments, twice they have forbereance my account and add interest to it at the end of forbearance also I tried the IBR program which it said for 10 years but then they sent me letters that I need to reapply every year after the forbearance is over and the payment is way to higher that I cant afford.
Consumer complaint received 2017-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

X/X/2017    my mortgage payment was increased by  XXXX   . I  contacted " loan care '' in regards to this situation. They informed me my escrow account was some how negative, with no explaination of how why or where the escrow money went, but that i am responsible for correcting the issue. Ive had this mortgage for going on 4 years, have all escrow statements and have never once had an issue until this company took over my loan. The most unknowledgeable people ive ever spoken to the lady tried telling me my account has been in the red since closing ....? I explained to the lady i have no control over the payment after it leaves my account that they need to figure it out on their end.. I contacted an attorney in the matter of this case and he knew who i was dealing with before even telling him. Im going to start a re finance this coming friday and also looking to pursue a lawsuit against the company. Ive read several similar reviews identical to mine and have attempted to reach out in contact with these people in similar situations in attempt to gather lengthy and worthy testimony should it make it to court. As far as im concerned this company is a fraud/scam and should no longer be able to operate as a business. Unbelievable!