davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF THE WEST (CA)

My bank issued an overdraft statement from my checking account at Bank of the West in 2011. I called the Bank of the West and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the XXXX and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the XXXX XXXX XXXX under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.
Consumer complaint received 2015-11-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (GA)

I went to get gas and the card declined so I was never able to get gas at all. I called the card company and they could not find a reason as to why it declined but proceeded to tell me telhey will be holding all of the money I have on the card. It 's been 9 days and they still have n't released my money. Not only that but they said it would be another 5 days before it is released. This has caused a huge problem and is a huge inconvenience.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NY)

While purchasing a pair of shoes for Off Sacks Fifth Avenue site. I decided to use my XXXX account tided to my XXXX XXXX credit card, I was re directed to a deferent page where I was asked to put in my personal information. This page did not indicate that I was applying for a XXXX credit. A month later I received a XXXX bill for the {$250.00} for the purchase. 
I assume it was a mistake and did not call XXXX until the following month when I received the bill again with very high late feeds. 
I complained that I did not open credit with them and I was told that I had gone to the wrong page which was not the case. 
I paid their charge but I was very upset with how customers were misled.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (PA)

it appears that these debt collectors are have my name mix with someone else as the same as mine and now they coming at me saying i had this account in 2013 it appears to be bogus.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

New Credit Card. A charge for {$75.00} was on the first bill, transaction date before the card was either received or activated. Charge was to a company in XXXX but in XXXX XXXX. 
This is a major security issue that the charge was not trapped by Citicorp fraud filter. I called customer service, who connected me to security. Security was not interested and just treated it as a Billing Dispute. After a few weeks, the dispute was denied, showing evidence that somebody Named XXXX XXXX in XXXX ordered something from XXXX XXXX in XXXX, again long before the card was received or activated. 
I have tried to reach Billing Disputes at XXXX ( XXXX, or # XXXX for immediate connection to Billing Disputes ) several times for two days. Finally called customer service, and they to got runaround first from Security, then unable to reach billing disputes. Kept me on the phone for about an hour ( XXXX XXXX, 2015 ) despite request, they never called back. 
Either CITIBANK has little regard for customer, or they are again part of the fraud and extortion from my account. Perhaps they assume that they can exhaust me with this runaround and extort this amount to me.
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

I am refinancing my mortgage and the current servicer ( Citi Mortgage ) is charging me {$75.00} for the payoff statement. I think this is wrong and above the limit allowed. Can you please look into this malpractice? 
Thanks
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Webcollex, LLC (FL)

A woman by the name of " XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP!
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (PA)

I have been contacted incessantly and at all hours by various representatives of Alltran Financial LP. They state I " owe '' {$2200.00} for a " judgement '' to XXXX on behalf of XXXX dating back to XX/XX/2011 but offer to " settle '' it for {$1600.00}. I do NOT owe Alltran Financial LP, XXXX, XXXX nor anyone else they claim to represent ANY balance! I have asked repeatedly for written proof of a valid debt and have yet to receive it. In addition, my numerous requests that they CEASE & DESIST from contacting me other than in writing have been ignored.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

reported to all XXXX bearu on iteams that are not mines XXXX out of XXXX bearus removed items Equfix has not updated any iformation 3 months no reply or updateds I 'm tryong to buy a home and the iteams that are not mines is still showing on my account lowering my credit score in i need help!
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NV)

XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XX/XX/2017 and XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, 2016 I deposited {$1200.00} in cash into an ATM and received a receipt stating that I only deposited {$21.00}. This occurred at approximately XXXX pm at XXXX XXXX XXXX XXXX, Texas. After speaking with several Chase representatives who have misguided me, misinformed me, and have behaved coldly and disrespectfully to a loyal customer, my account has yet to be corrected. 

XXXX dollar bills ( {$400.00} ), XXXX XXXX dollar bills ( {$800.00} ), and XXXX XXXX dollar bill ( {$1.00} ) were deposited into a Chase ATM. After depositing my cash the receipt returned via the machine read that I had deposited only {$21.00}. I immediately called customer service. After being told by a Chase representative that the correct funds would be placed in my account within 24-48hrs, I then asked if it was okay for me to leave the ATM location and was told yes. 

On XXXX XXXX, 2016 I received my " credit '' of {$1100.00}. Without prior warning or notice, on XXXX XXXX, 2016 Chase proceeded to withdraw the {$1100.00} from my account. 

This erroneous debit of funds has caused my Chase account to be overdrawn by the amount of $ XXXX. I called customer service promptly at XXXX to resolve the issue. A large sum of money has essentially been taken from me without explanation, remedy, or even the most basic level of customer service offered. 

I have spoken with not XXXX, but XXXX, supposed high-level employees who have screamed at me, yelled at me, and have accused me of threatening to sue. Something that has never been and continues not to be an intention of mine. The customer service I have received at Chase bank is absolutely unacceptable. 

Throughout this process I have proven myself a loyal and trustworthy customer. When {$1100.00} was initially returned to me, I could have withdrawn the money and closed my account if I had ill intentions. I did not. I have responded immediately at every stage of this process to get it resolved and yet despite having done nothing wrong I have been treated extremely poorly and now have the additional stress of a negative account balance. I deposited {$1100.00} and I ask that {$1100.00} be added to my bank account. Nothing more and nothing less. 

The lack of empathy and simple, " there is nothing else we can do you have exhausted all of your options '' explanation is unacceptable. I know that this is not an isolated incident as there are various reports of ATM machines miscounting money, which is what I assume occurred in this case as well. 

I am a responsible, upstanding, and honest person. I have been a customer of Chase Bank for years and I am NOT a thief ; nor am I mistaken about the cash I deposited. I do not have the resources in my life to cover me when my bank mistakenly takes {$1200.00} from me. 

I was even asked by a banker why I decided to deposit cash and why I chose such a late hour. Im a full-time employee and full-time student!
Consumer complaint received 2016-06-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

The Chase investment has incurred a fee every year for last 2 years and I was told that this fee is for keeping the account open every year in spite of the fact that my Chase account holds Chase mutual funds so it seems that Chase Bank is double-dipping where it is earning fees from my funds and charging me a separate fee to hold the account open. They claim it 's okay for them to assess fees in this manner.
Consumer complaint received 2016-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WI)

Great Lakes Higher Education is mishandling government funds from veterans benefits and the federal student loan repayment program. This is a annual problem and every year it is a big process to get GLHE to acknowledge payment was made and to actually apply the funds to my account.
Consumer complaint received 2017-02-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WA)

My son and I share a a savings account at Chase Bank. My son also has a checking at Chase. My son recently sold a car to a gentleman for {$1000.00} for which he wrote a check. The gentleman left the payee blank so my son filled in his name himself. Today my son found that his checking account and our joint savings account are frozen. No explanation was given, only that he had to get the gentleman who wrote the check to answer a call from Chase and verify that he wrote a check to my son. My son was told that if he could n't get this straightened out ( even though they will not even tell him what the problem is ), both accounts would be closed in 7 to 10 days and the funds taken. The money in the joint savings account is my money. My house payment is deducted from that account. I am beyond furious. What can be done about a bank that steals ones money?
Consumer complaint received 2015-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (CO)

I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: DISCOVER BANK (NJ)

I received a student loan from Discover. I was notified that my bill was due in mid-XXXX and I told them I would be unable to pay until the end of XXXX, at which time I would also cover XXXX 's bill. They seemed understanding until I started receiving multiple daily calls from them. I called back, reiterating my previous statement of being unable to pay for a month. The calls are relentless and at this point I have received over 100 phone calls in less than 30 days.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (CO)

Exeter Finance received an insurance check to be applied to the principal balance of my loan XX/XX/XXXX. The check was cashed on XXXX XXXX 2016 and as of today XXXX XXXX 2016, has yet to be applied to the principal balance of my loan and everyone claimed the check is not able to be located and payment denied. The company continues to charge my account interest based on the former principal balance. I have attempted to resolve this for several weeks, spoken to supervisors and sent a copy of the paid check to Exeter Finance for review and confirmation.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

I called when having trouble paying my loan and was informed that my payments would be {$60.00} ; however, after consolidation my payments were double that.plus some. I tried again to get my payment reduced and the representative told me another figure which still was not {$60.00}. The interest rate I have been charged during my forbearance is astronomical.
Consumer complaint received 2017-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (NC)

I consolidated my student loans in   XXXX   XXXX    . I began repaying my loans in    XXXX   XXXX     . I understand that my payments will apply only to interest until my interest balance is  XXXX  and then they will apply to principal. The payment history page of  XXXX   XXXX  's website does not show how change in my interest balance. The payment history shows the date of payment, my total payment, how much of my payment was applied to interest/principal, and then my total principal balance. There is no column to display total interest balance, which would show my interest total decreasing as I make my monthly payments. I have searched the website and the only place where I can see my total interest balance is on the home page, but there is no history option to show me what the interest was before I made my payments, and how the balance has decreased each month. This is disconcerting because, just by looking at the payment history, it is impossible to see how my monthly payments are affecting my overall balance. Great Lakes should include an interest balance column of the payment history chart to clearly show how my payments are applying to interest over time. Otherwise, there is no way for me to verify that my payments are applying correctly and instead I have to just rely that my payments are properly being applied to my interest balance.
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I am XXXX and I receive SSI social security benefits in the amount of {$730.00} per month. Prior to becoming XXXX I had about {$54000.00} in student loan debt that was in good standing under the income based repayment plan. My payments where XXXX dollars per month. I could have left them like this indefinitely. Several years ago, the federal government changed the rules on how student loan debt can be discharged and I was encouraged to apply as I was eligible under the new rules. My credit score was XXXX prior to applying for this relief. I was granted the discharge and my credit score went from XXXX to XXXX overnight. I was aware that I would incur a tax liability for the XXXX debt and I am OK with this. I was not informed that my credit would be destroyed in the process. This has happened to hundreds if not thousands of XXXX people who have sought and received this " relief ''. Furthermore, this is not happening to everyone who applies but it is to many. It appears that it may depend on your loan servicer. Mine was NAVIANT. The legislative intent of the rule change was to help relive XXXX and poor borrowers of debt they will never be able to pay off, not to destroy the credit of people already under significant financial pressure. I was encouraged by XXXX to take an action to destroy my credit without being informed of this. I did research the topic and did my due diligence but as I said it appears that this depends on the servicer so you can not get consistent information to make an informed decision. I contacted XXXX and asked if I can undo what I just did and they said I can by sending them a statement but I have no guarantee that my credit will be restored to its prior standing before this occurred. I can see a scenario where I re-assume this debt AND my credit remains destroyed. So, I am stuck. This is unfair. IT violates the spirit and intent of the law. It is also not uniformly enforced and is thus dissimilatory since it depends on what servicer you were fortunate enough or in my case unfortunate enough, to have. We all know how vital good credit is today. You need it to get and maintain housing and should I ever be able to again, returning to work. I was led to believe this was a good move to make. It has been the worst decision that I have ever made. Had I been informed of the implications of this I would never have initiated it in the first place. Because my loan was in good standing prior to all this I could have let it stay this way forever. The net effect of this decision for me, at the end of the day, was to destroy my credit. Nothing good has come from this. This is even happening to veterans who are XXXX and seeking this type of relief. This is unfair. I am not the only one. There are many of us in this situation. Can you help me to right this wrong?
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (FL)

I have written to Fay Financial at least four times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letter was dated XXXX XXXX, 2015 which is attached together with a copy of the credit report excerpt showing that they are reporting " foreclosure iniitiated '' and XXXX days past due when there is a XXXX balance and the fact that no foreclosure was ever started.
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Servatus Corporation (WA)

For several weeks a debt collector has been contacting my work and when told I am not available he asks to speak with my boss. I contacted this debt collector on XXXX/XXXX/XX/XX/2015 to discuss debt repayment options and told him to stop contacting my work as that is illegal. He told me that I had to fax a paper stating i do not want contacted at work. I also told him i am not allowed personal calls at work and if he contacts me in the evening I would answer his calls. The very next morning on XXXX/XXXX/XX/XX/2015 he contacted my work again. The office manager told him to quit calling work that this is illegal and hung up on him.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (TX)

They continue to apply the loan payment incorrectly despite specific directions on the check and multiple contacts and notes on the file with customer service. This has made it past due on multiple occasions. The check clearly states to " apply excess to loan x '' as it is our plan to put even a little extra money to help pay it off early. Yet they continue to apply the entire amount to loan x making us " delinquent '' on the other accounts. I have spoken with multiple representatives who have verified that they understand what it means to apply excess to loan x. As this has necessitated calling in multiple times this brings me to another concern, there is no easy way to speak to a representative. You can not push XXXX, but instead have to listen as they detail that the payment is late and would you like to make a payment. The truth is the payment is not late and this call is to remedy the mistake made by the company and yet I can not speak with a representative until over 5 minutes later. For those of us who work ( especially multiple jobs ) there is not always time to spend 5 minutes going through an automated system and then explain the situation to a representative who says they will do what they can, but that this is how the system works. The system needs to be remedied so that simple directions can be followed on the written checks and applied correctly, making it no longer necessary for multiple calls by the consumer. Further this even helps the company as they do not have to call or email about delinquent accounts that are actually not delinquent.