davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Equifax reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. They also suddenly repotted that " adverse accounts paid in full will automatically be deleted seven years from the date of last activity. '' However the account was foreclosed not paid in full and has never been reported as paid in full until now. XXXX is unreachable. It bankrupted in XXXX and the phone number Equifax gives us does not provide any way to access anyone. We can not buy a new house until this foreclosure is delete and we have already waited over 7.5 years. I have attached the documents we have sent many times to the credit reporting agencies.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

Good Morning, I am submitting a claim against IC Systems collection agency and there effort to collect on an account that is current and not past due. This company has been trying to get me to pay on my cell account that I still have to this day sating that XXXX told them this account is closed and past due. This morning I went online and saved the statement and it has a credit and nothing owed. Please also IC Systems has put a derogatory collection account on my credit reports that has damaged my credit and needs to be removed immediately
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

We fell behind in our mortgage 3 months and applied for a modification with our bank. During the modification process our bank sold our loan. The process then began all over again with the new servicer. We were never approved, and never given a satisfactory reason as to why. However the assignment of mortgage to the new lender is fraudulent. ( Copy attached ). The issues with the assignment of mortgage are as follows. PNC Bank , National Association XXXX XXXX XXXX XXXX is not correct. PNC was successor by merger to XXXX XXXX who was successor by merger to XXXX XXXX XXXX. The said mortgage amount assigned states {$390000.00} which in fact it was {$160000.00}. There was no mortgage with that document number recorded in XXXX County at that amount. ( Copy of note attached ). The person signing over the assignment who 's name is XXXX XXXX, Vice President had no authority to do so until almost a year later. ( Limited power of attorney attached. ) Also I 'm attaching Forensic Loan Audit showing the break in the chain of title. This is wrong in so many ways and I want this cleared off the title and I want an explanation from PNC as to why they fraudulently sold my home and evicted me.
Consumer complaint received 2016-06-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (IL)

1. Nelnet is billing me, after only 90 days from graduation, for the old student loans. 
2. Nelnet is not allowing me to have a deferment. 
3. Nelnet is billing me for {$10000.00} more than expected on my total amount due.
Consumer complaint received 2016-12-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

I received a loan from Big Picture loans for XXXX dollars. I started making on XX/XX/2016. I have currently made 5 biweekly payments of XXXX dollars totaling XXXX dollars. I was unaware of the high interest of XXXX and payments not going toward my balance. The cost of this loan is XXXX dollars. I feel the loan was misrepresented.
Consumer complaint received 2015-04-16
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (CA)

I had a loan with National City Bank and subsequently learned that National City Bank had been sanctioned by the DOJ and CFPB for unfair discrimination against XXXX/Americans and XXXX. National City Bank was supposed to make payment on this class action law suit during the first part of this year. They have not paid and offer no date as to when they will pay or any substantial information.
Consumer complaint received 2017-02-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

There were fraudulent transactions on my account from XXXX throughout the month of XXXX that I did not authorize. When I called to file my dispute I was confused with the questions being asked of me and the language barrier with the consultant. Chase is denying my claim for inconsistent information but I never authorized these transactions and I need assistance filing a dispute.
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Bankruptcy discharged 2 years ago and trying to get GreenTree/Ditech to remove from bankruptcy department and correctly report to credit bureau. Working on this since XXXX 2015. No call backs from supervisors. Nothing but excuses. Call every week for resolution to no avail.
Consumer complaint received 2015-12-08
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (MI)

I had a credit card with Chase Bank that I unfortunately let fall behind and it was charged off in XXXX XXXX. I began making payments in XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX collecting on behalf of Chase Bank XXXX In very early XXXX, I contacted Chase Bank to discuss the way the charged off account was reporting to the XXXX. It was reporting as a Charge-Off every month even though I was making a payment as we agreed every month. Chase assured me that once the account was paid as I agreed with XXXX, the past payments would be updated and that they could not do anything about it until that point because they would not get my file until then ( they said XXXX would send my payments to them after it was paid ). I am attaching the checks I have copies of from my bank. I actually made a couple payments before this as well but my online banking would only go back so far. 
This account was paid as agreed in XXXX XXXX thank you.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

We tried to purchase a stove on our Lowe 's credit card. Lowe 's called to say the item was not in stock and they would not be charging our credit card. We tried to purchase a second stove and the same thing happened. When we tried a third time we were declined because the XXXX previous stoves had been put on our credit card. We tried contacting the company and the gentleman we spoke with could not understand that our credit was being utilized by a total of XXXX stoves we were unable to purchase and were told we would not be charged for. We tried for over an hour to cancel the stoves to free up our credit. After not getting anywhere we hung up. About five days after trying to clear our credit card we received a letter stating we had asked to close our Lowe 's credit card account. We had NOT asked to close the account. We called Lowe 's to find out why the account was closed They stated we closed it We asked for the recording of us agreeing to close our account. They said the person who has the recording was on vacation. We have called back and have not received a response from Lowe 's.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I am submitting this complaint about a XXXX card that I had. I paid this bill in full and they reported to the credit reporting company 's that they charged this account off as a bad debt. I have been disputing this information for over a year now. I called them numerous times and they XXXX do not even have a record of my first purchase. My first purchase with them was for approx {$320.00} ... ..I paid that off within 4 months ... .That card was down to a XXXX balance. Months later I receive a statement that I owe for finance charges and late fee 's. I 've disputed it also with all XXXX credit reporting agency 's. It keeps coming back that I owe this debt. I explained they are trying to charge me twice for the same product. I am fustrated as having this incorrect information on my credit reports is affecting my credit score. XXXX is absolutely wrong for trying to collect on a purchase twice.
Consumer complaint received 2016-12-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP. (NY)

Hi ive recived a zero Blance letter from Main Street Acquisition Corporation # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
Consumer complaint received 2016-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NH)

I sent navient all the paperwork they need to do a discharge for my student loans and they have denied me twice I went to XXXX University online and they committed fraud and their college was closed and now I am still in school and navient will not dischage these loans so that I can re add back my subsidized and unsubsidized by this school. I would like to get these loans discharged so that I can finish the next two years of my XXXX then get my XXXX without the rest of this funding I will have to drop from college at XXXX University.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (IL)

I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MD)

On XXXX/XXXX/2016 cust received a alert on her phone informing her of {$900.00} worth of charges on her Macy 's account. 
- XXXX called Macy 's and informed them charges were fraud. 
- XXXX submitted info requested by Macy 's which included PR and Identity Theft Affidavit certified mail on XXXX/XXXX/2016 and also faxed info because they stated they never received info. 
- XXXX has been receiving bills monthly from Macy 's for fraud charges and recently received collection notice this week. 
- XXXX called Macy 's on XXXX/XXXX/2016 and was on the line for about 3 hrs until she was transferred to XXXX with the Consumer Protection Group at Macy 's. 
- XXXX stated she would place a note on collection file, process info and to allow 2 billing cycles for charges to be investigated and be removed, case # XXXX.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MN)

I signed up for the Citi XXXX consumer credit card in XXXX, 2016. As I was out of state, I did n't receive the card for a couple months. This was because they could n't send the physical card to an address that was n't the initial address when the card was set-up. According to a rep I just spoke with at Citi, he confirmed I did n't get the card until XXXX/XXXX/2016. 

I was extended an offer to spend {$1000.00} and get XXXX XXXX XXXX miles. Since XXXX/XXXX/2016 I have spent well over {$1000.00} and have n't received those promised miles. I was told today that the offer end date was XXXX/XXXX/2016. That seems fundamentally unfair because I was told I would have 3 months and they admit I did n't get my card until XXXX/XXXX/2016. 

I have no ill will towards Citi but I would like for them to follow through on their promise and put the XXXX XXXX miles into my account immediately. 

Thank you for your help. 

XXXX XXXX
Consumer complaint received 2016-08-13
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MD)

I currently have a Macy 's store credit card. Although, I have a XXXX balance on my card, it says that I owe a {$2.00} finance charge. I paid the credit card off last month and did n't use it. I do n't understand how I have this finance charge.
Consumer complaint received 2017-01-27
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX contacted my phone on a Sat. XXXX, 2017 and a voice mail. I listened to the message. 20 minutes later I called my father in Hawaii, 6 hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp. (NJ)

This company is listed on my Credit reports. I have asked for this debt to be verified because I never had an account with Senex Services. Pursuant to the Fair Debt Collection Practices I demand validation. They 've called my cell phone numerous times but have yet to verify the original debt. This debt is listed as a charge off/collection on my credit report.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I moved out XX/XX/2021 and called service provider regarding relocation service. They open new account and didnt close previous account and Ive been charged for 15 months and when my credit card was expired they just move my due to collection. And that time I realize that they didnt disconnect my previous address. 
They charge me because their representative didnt close my account when did transfer of service and they refused to refund me for that period instead they moved to collections. 
I did called to collections and tried to resolve with them but they just dont resolve the case. 
I did contact XXXX  and my case never been take care of.
Consumer complaint received 2016-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (OR)

This complaint relates to case number XXXX. The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an XXXX office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is XXXX, XXXX After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
On XXXX I received another bill from XXXX, so I called them to explain that I had already paid the bill. They demanded proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by XXXX. 
Today, I received a bill from Stellar Recovery , Inc. for the same debt, dated XXXX XXXX, XXXX. XXXX is continuing collection efforts of a debt that has been paid for almost a year.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (DC)

A formal complaint was sent to Equifax via USPS certified mail on XXXX XXXX, 2015 and was received by its agents on XXXX XXXX, 2015. The following account has been under investigation well beyond the XXXX45 days allotted by the FDCPA. XXXX is the account in question and I request that the erroneous account be removed from my credit profile. ( See : Attachments ) All documentation supporting my claim has already been received by Equifax.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (TN)

Hi I attended XXXX and my school closed and none of my credits were transferable. I called and called the school and the loan provider and was doing fraudulent affidavits and I have n't got a good response at all. Please help the debt was sold to Fed Loans or XXXX and I 've submitted a complaint before and no response. Please help me. Not to mention that I have XXXX loans reporting on my credit and I did n't take out all the loans
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CA)

Yesterday I contacted my credit card company, Discover Card, to understand the calculation behind the interest charge on my XXXX statement? It is a simple question. I requested that they provide me a daily breakdown of how the balance subject to Interest Rate is determined. Yes I want Discover to be fully transparent in how they calculate that number. I also requested that they provide me a breakdown of the how annual percentage rate ( 11.99 % ) is applied to the balance subject to interest rate. They were kind enough to deny of my request however they did give me the verbiage in the credit card statement or agreement. Obviously that is not enough because it is not transparent. I am a visual person and need to physically see and verify what they say corresponds with the mathematical commentary.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

I was told I could have a lowered monthly payment the paperwork never came and they put me in forbearance, I then went into default. I went through a rehabilitation program to get back in good standing and was told they would send me paperwork for another lowered payment and still have not received the paperwork! Now again I am in forbearance!!! I have tried everything in my power to do what I need to do so that I can pay this back!
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I CONTACTED CREDIT REPORTING AGENCY BUT THIS PROBLEM HAS NOT BEEN CORRECTED. 
I I HAD DISPUTED ACCOU7NTS, MOST OF THEM NEGOTIATED AND SETTLED BY PAYING OFF, AND STILL OTHER DISPIED ACCOU8NTS. 
MY CREDIT CONTAINS WRONG INFO, WHICH MUST BE REMOVED AND/OR CORRECTED. ATT HOW MY CREDIT HAS BEEN DAMAGED.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (MD)

Around XXXX of this year I received a letter from a collection agency stating that I owed the XXXX {$600.00} for an unpaid citation. I have never received any letters from XXXX Government about this. I spoke to my niece and learned that the citation was for a parking violation. Her car is in both our names. She also told me that she was paying the citation off on a payment plan to the same collection agency. I had her call them. They told her that they were going to combine both cases together as it was for the same citation. They also told her that they would be sending me a statement and that she was to hold off paying until they sent the billing statement to me. I included all this information in the letter that I sent them and mentioned that they can not collect twice for the same citation. On XXXX I received a letter from them which ignored all the information in my letter to them. They stated that I owed them {$600.00}. My niece is still paying them for this citation. The agency has clearly failed to combine our accounts as they said they would.
Consumer complaint received 2016-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (MS)

I called FedLoan servicing on XXXX XXXX, 2016 requesting documentation to show exactly how much I owed on my student loans because my original creditor refused to proved me with original documentation regarding my loans. My mother and I signed the PARENT PLUS XXXX contract and filled it out in the financial aid office at XXXX XXXX XXXX. I have yet to receive any original documentation regarding my loans. I called back today, XXXX XXXX, 2016, and they are saying it will yet another 7-10 business days before I receive any documentation.