davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (MI)

I was involved in a military scam. The scammers were supposed to be paying back money that I would d o cash advance  and put in an " agent account ''. The payments were being pulled back. I was unaware. I would co ntact Chase to see if eligible for cash advance. The sa id yes on each occasion. I had calls from their security department several times. I called back they asked if I made a purchase, I said yes. No one on all if these occasions told me payment being pulled back. They finally sent letters saying could n't reach by phone and I had spoken numerous times. I contacted once I realized that I was involved in scam. Payments made by scammer and account was supposed to be closed and no further transactions made. This w as  XXX   -17 final  payment made in  XXXX  -17. I a gain called  XXXX -17 to inform Chase that scammer had account in there bank name  XXXX   XXXX  and provided account #. I wanted to give them scammers then security person did n't even want to deal with me or take information. On  XXXX  -17  the scammers pulled back all the payments after account was supposed to be closed and secure.. I call  XXXX  -17. T hey wo n't listen or try to help. The {$24000.00} increased to {$31000.00}. If they had told me on any of the numerous phone conversation that I had previously that payments being pulled back, I would have realized scam earlier and would n't have been out if control. I called again  XXXX  -17 I di scussed complete situation and asked why they did n't protect my account like they were supposed to, they just filled complaint and said go to small claims court. The scammers is in California.. they accepted no responsibility for not taking me seriously when I contacted before. They had their money. I had called  XXXX  because I had informed them same thing. They assured me that wo n't happen to have payment pulled back because I had Informed of fraud, just like I did for Chase,. They locked account down and forward to their headquarters. Why was Chase so negligent with my account. I realized that I made mistake and tried to rectify with them before they lost money again.. They failed to take proper action after I kept informing them of scam to protect them and me and that scammer using their bank to scam people. They basically blew me off..where are you to get help if you contact the bank where there is problem and they do absolutely nothing. This is wrong especially when I talked to an employee on  XXXX  -17 an d I was basically told account was safe now that paid and closed down. Please help this is happening to many people. When I made deposit in " agent '' for scammers Account the teller said alot of people are depositing alot if money into this account. I have repeatedly tried to tell them this and they do n't do anything.
Consumer complaint received 2015-11-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (NC)

I was attending XXXX XXXX XXXX online program starting in XXXX 2009 to pursue an XXXX degree. At the start of my last term I was informed that there was not enough money for me to finish the term and they would n't let me finish unless I took out a private loan for {$2000.00}. The loan statement showed an amount of {$2500.00}. When I first enrolled I told them I was moving to XXXX from the state of XXXX and asked about work opportunities in XXXX in XXXX. They told me it was wide open with plenty of XXXX work in XXXX and within a couple of months of completion of my degree I should be able to find work in the XXXX field. They also told me that I would receive help with job placement upon graduation. The only assistance I received was online job services through my email which I could have found on my own. They also told me that my credits were transferable if I wish to pursue other degrees. They were listed as an accredited college when I started my courses. Since I graduated I have tried to get into XXXX different colleges and they would not accept my credits. I asked why and was informed that XXXX XXXX was not an accredited college. I explained that they were accredited while I attended. They told me it did n't matter. In order to apply for another college I am required to provide a sealed transcript from XXXX. XXXX is now closed and my records are somewhere and I am getting the run around in trying to access them. Due to all the negative publicity in regard to XXXX XXXX and the fact that they closed, my degree is useless which is very frustrating to me because I made the XXXX list and XXXX list several times and graduated with a XXXX GPA. I have now been forced to work for myself. I started a XXXX business and I still can not make enough money to pay on this private loan through XXXX XXXX or my federal student loans. Interest is accruing which is very frustrating to me. My federal loans are over {$30000.00} for an XXXX degree that once again is useless.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

I have been working with Citibank for the past month to try to rectify a situation on my credit card. The primary issue is that my account was switched to e-billing with no authorization by me or notice to me. I received an automated call form Citi on XXXX XXXX, 2016 and called them back within the hour. On that call, I was informed that my account was past due and began the process to fix that ( Immediate payment of full amount plus fees and interest ). I have had that particular card for 16 years and have never been late, nor would I switch to e-statements. 

Upon being notified by my credit monitoring service ( XXXX ) that Citi reported my account late to the XXXX credit bureaus I promptly contacted Citi in writing on XXXX XXXX, 2016 ( Exhibit 1 ), notifying them that I did not switch to e-statements, nor receive any communication from Citi that my account had been switched prior to me calling them back from the automated call, I had asked for them to update my record with the Credit Bureaus. I received a response from Citi on XXXX XXXX, 2016 ( Exhibit 2 ) that stated their records are correct and failed to provide any evidence of my account being switched to e-billing nor any proof of corresponding that switch to me. I had an attorney follow up to Citi in writing on XXXX XXXX, 2016 expressing similar concerns ( Exhibit 3 ) and in turn received a second response from Citi on XXXX XXXX, 2016 ( Exhibit 4 ) expressing again that the records are correct while still providing no evidence of my switch to e-billing or notification thereof. 
Although I have been harmed in the form of late fees ( totaling {$65.00} ) and the reporting of late payments to the credit bureaus, I do feel that Citi is sidestepping the real issue by not providing evidence of my switch to e-statements as well as what notification they provided to me to state that the account has been switched to e-billing. 

I have an impeccable credit history with no late payments on any of my accounts - ever. Credit is used as part of my employment eligibility so I would like my file corrected and thus far Citi has been unable to provide any support of showing how this account was switched as well as what notifications went to be to state that it had been switched which ultimately led to an untimely payment. 

Thank you in advance for your help in this matter.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OK)

I returned some products to Macy 's via USPS ( they had been purchased online ). Upon rI requested a refund to my method of payment which happened to be my Macy 's credit card. Instead they issued me a gift card. It took me over a month to get them to cancel the gift card and return the amount to their proprietary card. At the same time, I I retunred items from another order which still have not been credited and just this week they did the same thing on some holiday gifts which I had to return. I have contacted thsm so many times but no one seems willing to step-up to just issue the credit. We agree on the amounts so there 's no issue there. Even though I clearly indicated that I was n't a credit back to my card they have now three times issued me gift cards. It seems really sketchy to me and I wonder if they can even legally do this? 
Sorry for any typos ... my computer is having trouble formatting this screen.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

We applied in to refinance our house because of the high interest rate of 6.50, at that time the rate had dropped as low as XXXX. Citibank acquired our loan in 2006 from XXXX. Citibank was fully aware that they did not service manufactured homes when they purchased our loan. Our house has a different status that is to be considered the same as a standard house. Documentation was presented from the State Housing Department, Citibank refused to recognize the documents. Citibank refused to allow a refinance or later assistance due to hardship. A representative even stated,. that they should not have purchased this account because they do not service those kind of accounts but because they have it we are basically stuck with paying the higher rate. I feel Citibank refuses to recognize or housing status to ensure we are not allowed to lower the interest rate to force us to continue to pay the {$2800.00} mortgage payments., As a homeowner we have the right refinance if we quantify by our pass payments and credit score, both were OK according to Citibank when asked. We contacted our XXXX and the state housing department later we were referred to cfph for assistance.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I had charged an item on my Macy 's card to get a discount. I then paid off the bill right away. A few months later I returned it never used, with the receipt. I then requested that when the credit posted to issue me a refund check. About XXXX months after I received the refund check I started getting calls from Macy 's telling me that they gave me too much money back on my refund, and that I owe them. It took so long for them to get my money back to me that I had no idea what I was owed back. I have spoken with Macy 's over XXXX times and can not get any resolution. I have most recently spoken with credit card supervisor XXXX XXXX at XXXX. She told me about a month ago that she would put research into it, and return my call. I have contacted her back and left voicemails and have not heard back from her since.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I filed an complaint with Citi Cards XXXX on XXXX, I advised Citi Cards that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (IL)

Account was moved from XXXX to Citibank. During this time I was out of town, but had auto-payment set-up. I was not notified before my departure that the move would be made, and this caused my account with a balance to be moved to Citibank. When that happened, my auto-pay was cancelled by Citibank and I was made delinquent. I contacted Citibank and they agreed to nullify delinquency and my fees/interest as the move to Citibank was made by them and my auto-pay was cancelled without my permission.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

I worked through an attorney and realtor to try to secure a short sale for my home. I had a buyer and a valid contract for the house. All paperwork was submitted to the bank for approval including the form communicating I was using an attorney for any and all communication regarding the property. All documents were confirmed received previously by CITI yet they advised the attorney on XXXX, XXXX/XXXX/15, that they still needed several documents in order to proceed with a short sale or foreclosure postponement. The attorney requested a postponement as there is a valid contract for purchase. The bank then denied the short sale and foreclosure postponement. The foreclosure is set for XXXX XXXX, 2015. Citi failed to provide short sale response in a timely manner.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (TX)

We paid XXXX weeks late on our OneMain Financial Account. During the XXXX weeks, the local office was told only to call my cell phone. They called my work. After that happened, I called in and told them only to call my cell. XXXX from their office called all of my " references '' ( family members and friends ) and left personal details on both their voicemails and in conversation. My wife manages the bills and was down with a XXXX which is why we were late. This person caused us quite a bit of embarrassment and harm by what she did and all over two weeks!!
Consumer complaint received 2017-01-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Lending Club Corp (PA)

I signed for a loan online with lending club when I was in college for XXXX, the loan was about {$10000.00}. When thing started to be hard for me, I signed up with a debt consolidation company name " freedom debt relieve '' where they settled this account with lending club for me which was {$4800.00}. Even after the settlement lending club sold my account to another deft collection company name XXXX without sending me any notice. I contacted lending club my self few times, sometimes they put me on hold or hang up on me. I kept calling, sending them letters for about six months nobody ever answer me ..XX/XX/2016 I paid the full balance of the settlement to the deft collector company they sold my account to. I called them that day I finally spoke with a customer rep I explained to her what they did to me it 's wrong and illegal cause there 's no way they can sold my account to another company without sending me any letters, and also I told her now I paid in full the settlement why it 's still show on my report this account is charged off where it should says settled in full or paid in full .she was unable to answer my questions put me on hold again and hang up right on my face ..two days after I received an email from lending club stated whatever they report to the credit bureau not gon na change .. I called the other collectors they sold my account to and explained to them what 's going on, they told me it 's not them it 's up to lending club to report to the credit bureau the account is settled or paid in full.. until now lending club keeps that charged off on my report never says to the credit bureaus this account is settled or paid in full.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

LATE PAYMENTS SHOWING 30-60 DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.
Consumer complaint received 2017-02-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I have been repaying my private student loans with Navient for 3 years now. My loan does not seem to decrease. Over the past 5 years I was misguided into entering forbearance. I did not want to have my loan go into default and cause it to affect my cosigner. I asked for several options to lower my payments and was told my only option was forbearance. Due to this forbearance I am now paying far more interest than I can handle. I am trying to pay my debt off and find it difficult to achieve. I was unaware of the amount of interest I would incur due to the forbearance, all I wanted was a lower payment so that I could pay them every month. My payments range between $ XXXX- {$900.00} a month just for the XXXX private loans. I still have a federal loan that I am paying as well.
Consumer complaint received 2015-06-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

Despite many ( XXXX-XXXX ) telephone communications with billing dept trying to resolve a billing issue, XXXX XXXX ( 1 ) kept no record of their communications between me and multiple account representatives and ( 2 ) turned an inaccurate " balance '' over to a collection agency after telling me to wait for an updated account statement by mail while a medical discount program card was being processed. 

( Additional info : I chose the " debt was paid '' option from the dropdown menu because it most closely matches my situation. The medical assistance provider/drug manufacturer assistance program was in the process of approving my coverage when this debt was applied. )
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GAMACHE & MYERS, PC (MO)

XXXX XXXX XXXX purchased my account from XXXX XXXX XXXX. This account with XXXX financial services began in XXXX and was charged off in XXXX. XXXX XXXX XXXX XXXX tried to collect this debt from me and could n't so they sent it to a lawfirm by the name of Gamache and Myers ( XXXX, MO ) in XXXX of XXXX. They are currently trying to garnish my wages for additional fees and the amount of interest charges and unpaid balance which is not accurate. I 've tried many times to get them to send me signed paperwork that I owe them ( XXXX ) any money and they have constantly refused. It is illegal for them to continue trying to collect debt on anything over 7 years old and also. They are unable to prove that I own XXXX or XXXX XXXX any money as I have not signed any paperwork with them or purchased any goods or services from them.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (NC)

XX/XX/XXXX I opened a credit builder account with Self Inc. On XX/XX/XXXX I told them I no longer wanted their service and I paid their fees. They updated XXXX and XXXX to show a paid and closed loan for XXXX. Self Inc refuses to update XXXX. Ive disputed this account with XXXX and XXXX will not update because Self Inc says that its a open loan with a balance of XXXX. Ive given XXXX proof of the paid and closed account. Ive contacted Self Inc several times via online chat and by email. Still nothing is resolved. It looks like I have debt on my credit report owing a company XXXX dollars even though it is not a real loan. Ive paid their fees and contacted both sources but no one from either company will resolve this issue. XXXX and XXXX had updated correctly. It took like the end of XXXX to update. XXXX refuses to update or Self Inc is giving false information to them about me owing money.