davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2016 XXXXET my balance read {$39.00} on that same day at XXXX ET my balance read {$45.00}, the following day XX/XX/2016 XXXX ET my account read {$200.00} without me depositing any more, I decided to call " Chase '' customer service to get clarity on this fluxing account balance the rep told me that the balance that is being sent to me is yesterdays end of day balance which i do n't understand why would send me a past balance if its not the current up to date.On XX/XX/2016 XXXX ET my balance was - {$42.00} I decided to visit a " Chase '' an speak to the branch Manager. I spoke to the manager about the problem and was explained that a merchant I brought merchdise from took a week to take the funds I replied " I understand that but I called customer Service about my account changing daily, and no one informed me of thats why and let my account go negative thats why I 'm upset '' the Branch Manager responded saying " A lot of out customer have had issues with faulty daily balances '' I decided to close out one of my accounts and withdrew {$4300.00} and left {$100.00} in my other account cause I have my payroll check waiting to be deposit and ask that my debit card still be linked to that account. Only later to find out that my Debit Card was closed out as well. I submitted a compliant to " FDIC '' as well on an issued i have had with " Chase '' while I was working out of the country it was just to lengthly to write here as well but this is another recent issue I have had with " Chase ''
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CO)

XX/XX/XXXX I attempted to payoff my student loan with Nelnet. I contacted them for a remittance address. I was given the wrong address and my remittance ended up with the Department of Education in XXXX. When this problem was discovered, I contacted Nelnet. I was told by the customer service people that my loan would be put in forbearance and not accrue interest as it would take some time for the refund from the Government. It was their mistake to give me the wrong address. The money was finally remitted and I again tried to payoff the loan in XX/XX/XXXX. Nelnet received the payoff on XXXX XXXX, XXXX. They are now claiming I owe more that {$1400.00} in interest, I do n't think I should have to pay interest because of their mistake. I did discuss this with several managers. The last one claimed I had been notified that the loan was still accruing interest. I have attached a listing of the correspondence from Nelnet. As you can see I was not notified of anything! I received my XXXX from the University XXXX XXXX.
Consumer complaint received 2015-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (CA)

Re : Line of CreditChase sued me in XXXX XXXX Superior Court. 
The amount sued for was an incorrect balance. 
A payment they received, on the account was not credited. 
They did cash and retain the funds. 
Chase requested summary judgement. 
A rep stated if I pursued such a " trivial '' amount ( $ XXXX ), it would cost more in legal fees, and they would not settle. 
{$700.00} monthly was agreed to be paid to Chase. 
{$700.00} has been paid EACH and EVERY month ON time. 

In the ensuing years Multiple Inquiries and/or requests have been ignored by CHASE, not even for tax purposes/payoff : Chase has NEVER issued a statement on this account. 
Chase has NEVER issued a balance on this account. 
Chase has NEVER issued an interest paid statement. 
Chase has to my knowledge never adjusted missing payment. 
Chase did acknowledge the payment had not been credited. 
Chase has ignored EVERY request for a balance. 
Chase has ignored EVERY request for a payoff. 
Chase has ignored EVERY " Demand '' for such. 

I do not know-how much they are acknowledging as paid, -if they are crediting all of the payments they are receiving. 
-if they did credit that missing amount they collected-what has been paid in interest, fees, -if the amount due has been paid, what is remaining, -what the payoff balance is-When the payments they are collecting will satisfy the account. 
( i.e. when will it be paid ) Your assistance would be appreciated.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (FL)

I was contacted numerous times via telephone and mail regarding a debt that was a charge off and the statute of limitations has expired. I was told by the collector that they bought the debt and I owe the money to them. I contacted the original holder of the credit card Chase Manhattan and they advised that this was a charge off in XX/XX/XXXX. Moreover, I was served documentation dated XXXX/XXXX/XXXX advising that I was being sued if did not pay. I contacted the company and advised that I did not owe this debt to them as per the statute of limitations in my state has expired. I was then advised that I would be sued and that I needed to hire an attorney. Moreover, I researched the company and discovered that this a predatory collection company which goes by several different names and uses scare tactics to harass people into thinking they are a legitimate mediation firm and they are being sued and/or this firm claims to be the legitimate holder of the loan and that the statute of limitations runs 10 years from the last date of payment. This company continually continues to harass me by using a robocaller, live telephone calls and now mail. This is creating undue XXXX and XXXX that is becoming increasingly intolerable and I am respectfully seeking relief from this stalking that has been brought upon me.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (CA)

Complaint number:XXXX, addition to complaint when talking to the discover card representative I asked her what was discover cards late fees and she could not tell me. She had to stop and try to calculate the amount they charged me on my account. This is very disturbing because on all my other bills including other credit card bills the late fees are the same every month. They do n't change based on who you are, or how much you make. If this is the case discover card can do what their doing now and charge me what ever they want that month. The XXXX to XXXX unwanted phone calls a day are also annoying, even after paying my bill for that month they still aggressively call my house and parents house trying to get me to pay them more money for that month and nothing going to the {$7500.00} balance that I have with them.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (MI)

Loss of income and unable to pay, when APR charged raised to the maximum by Discover Bank. XXXX XXXX XXXX, the debt Collector Attorneys for Discover Bank, refused to allow payment agreement, unless additional fees are paid to them. In addition Discover Card refuse to work with client accounts turned over to their collections Attorneys, who continue to add interest to the outstanding amount originally owed.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

I was called by my bank indicating my credit score dropped drastically. 
Barclays Bank charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (FL)

I had cancelled my Discover card on XXXX XXXX, 2016 and not only was the account closed, but a refund was issued. However, every month since then I 've received bills for a {$54.00} charge. I wrote back on XX/XX/2016 and asked to have an accounting of what the charge represents. A reply on XX/XX/2016 again stated that my account was closed and nothing owed. 
But, the invoices keep coming and now no one at Discover will help - the amount is small but I 'm XXXX years old and do n't need an unblemished credit record stained,
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MS)

I have never lived at XXXX XXXX XXXX, XXXX, MS XXXX. I have never lived in XXXX, XXXX XXXX, XXXX at all. There is a spelling of my name that is totallyincorrect XXXX XXXX, is not me. Thank you
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

For the past several months, I have been disputing several inaccuracies that are Listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as : -capitol XXXX account ending XXXX ( they are saying late on XX/XX/XXXX and XX/XX/XXXX which was for another account which were open on XX/XX/XXXX ( never receive a statement for that account until I contact them ), the account ending XXXX was receive less than 1 year ago??? 
-XXXX : I was never late ( send a letter to XXXX for my statement and all details and they never reply?? )
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WI)

I have had problem with my mortgage for quite a while. I applied for a modest needs help. I called seturus and asked them to fax a monthly mortgage statement to this people. I gave them the fax number. I assumed they did this. However they did not. I could have had help for one payment which really could have helped me. I had okayed a payment plan because I figured I was going to get the help. Now that they failed to follow through I have lost my chance. Now I will have to wait months again. Now I have written them to cancel my payment plan and check withdrawals. I know they will not follow my instructions so now I have to cancel my checking account. I just do not understand why they our so XXXX and can not follow directions. When is the government going to step on these injustices. Their correspondence address is located in XXXX XXXX Account XXXX is the number of account. I am totally ticked off.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

I disputed XXXX public records/judgements on my credit report from Equifax on XXXX/XXXX/XX/XX/2015. They completed their investigation and updated these public records to " satisfied '' and told me if I had any further questions to contact XXXX XXXX Court. I have contacted XXXX XXXX Court and have NO such recorded judgements. The court also told me they do not report to Equifax. In my dispute I requested that Equifax please send me the method by which they verified these public records ; they never provided me with any such information.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (NJ)

Back in XXXX my second house was damaged by hurricane XXXX, I received a check for damages and repair the house at the time the mortgage company was XXXX, it is now Seterus. In XXXX XXXX was reviewing flood insurance claims and found that I was owed additional payment and was sent a check in XXXX XX/XX/XXXX.The check was sent XXXX Property Loss Department for signature. The check was return with out the signature and when I called them I was told I had to supply them with a list of damages, contactors that did the work and that they would have to inspect the house, I feel this does not have anything to do with this check.
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The Bureaus, Inc. (NY)

I received a phone call from XXXX at XXXX at my home phone number XXXX. The person who called did not leave any message saying that they are debt collector at. all. I get home at XXXX and see that my phone answering machine is blanking means some one called and left the message. I try to listen the message but their is no any clear message saying that they are debt collector and calling to attempt to collect the debt against the third party., I called that number at XXXX this evening which was showing in my phone ID caller XXXX .XXXX Extn XXXX from XXXX XXXX XXXX XXXX. pick up the phone. During the phone call he did said that he is debt collector but did not say his debt collection agency name at all.. The debt collector is harassing me. I did received their letter in mail yesterday on XXXX/XXXX/2016. I did called the number XXXX which was written in their letter. I spoke with XXXX XXXX, Extension # XXXXabout this debt. I did told him that I do dispute this debt and I think the debt company who represent by this collection is not the correct agency to whom XXXX XXXX sold the debt. I did told him I do disputes these charges and still try to settle if I can understand these debt in question. They called today at XXXX and using other number XXXX .This phone number is not they listed in their collection letter at all.
Consumer complaint received 2016-02-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (CA)

I sent Chase a letter on XXXX/XXXX/15 to inform them that I finally had a job and could start making monthly payments but not the amount they wanted. I used the sample letter on your website and I have not heard from Chase. They have stopped sending monthly statements and when I call they inform me that I am in collections but no one from collections has contacted me. I do n't want the loan to default and I would like to start making payments.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase credit card customer since XX/XX/XXXX and requested a line of credit increase on XX/XX/XXXX. I asked the customer service person if this would be a Hard Inquiry given I was already a customer. He led me to believe it would be a Soft Inquiry. Upon checking my credit report days later, I discovered Chase placed a Hard Inquiry on my credit report. When I called them they said they would review the recorded conversation and get back with me. I received a call from Chase a week later ( XX/XX/XXXX ) indicating their review results were that I " knew '' their inquiry would be a Hard Inquiry on my credit report and refused to remove it. I requested a transcript of the conversation indicating that I " knew '' this was going to be a Hard Inquiry and they refused to provide the evidence to me. As a result of Chase 's Hard Inquiry, my XXXX score dropped XXXX points. I use my XXXX score for mortgage loans as I rehab houses for resell. This has effected my ability to obtain favorable interest rates.
Consumer complaint received 2017-03-17
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (CA)

Received Netspend deceptive mail with read debit card. Says to activate like I signed up for a card. Then says it 's like a checking account with routing number. 

Had to search the internet to find out about this company. 

Fees are ridiculous as well. EVERYTHING you do have a fee. No banks or credit card companies do this, no one would have any money left.
Consumer complaint received 2016-11-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Core Recoveries, LLC (WA)

I 'm being harassed by an unknown department of education collector company, I am behind on my student loan for financial reasons in the past and am wanting to pay it back somehow, I 'm getting half of my check taking for back child support. Anyway, the number calling me is XXXX. I 've asked them to not call me in between XXXX - XXXX pacific due to the fact I am working in a law firm office setting and they have deliberately failed to do so and keep interrupting my work causing me to loose valuable time and inteferring with our law firm. I 've asked several times which is apparently recorded on thier system for proof of company by sending me info via email or post office. They have refused and now threatening to take money out of my check after I already agreed to pay a monthly payment as long as they prove who they are. The repeatedly ask for my credit card information and refuse to provide proof of what company they are or represent. They claim to be " Core Recoveries, LLC XXXX XXXX, KY phone number XXXX/Fax XXXX They emailed me once but the email was from some form of docusign with an attachement of this company. I think these guys are fraudulent and are stealing credit card information because of the fact the number that calls me is XXXX and the email they sent me is from " XXXXXXXXXXXX ''
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

Navient put all of my loans into forbearance even after approving my income-based repayment plan. They are claiming I authorized this forbearance in XXXX 2014 in a phone call on XXXX XXXX, 2014 at XXXX XXXX and that they will not provide me with the recording of this phone call without a " court order. '' I would like to call into question this forbearance and hear this recording.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (WA)

On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a line of credit — 
Company: Delbert Services (SC)

I took out a loan XX/XX/XXXX with Western Sky for {$2500.00}. The first payment ( {$150.00} ) was drafted from my XXXX checking account XX/XX/XXXX. My monthly payment amount is ( {$290.00} ). I am current with the loan as of this writing. I have paid ( {$13000.00} ). For the last two years, a company XXXX has been calling my residence and cell phone XXXX times a day. They are requesting that I sign some form of documentation about my payments. For the last six months I have repeatedly asked for documentation concerning my loan, the payments I made, the amount of interest, etc. Only after threatening to stop the bank draft did they finally send me the information. These documents were mailed to my home. I was shocked to discover that I have paid back my original loan amount over five and one half times. 
XXXX is still calling both my home and cell phone several times per day. After doing some research on Cash Call, Western Sky and Delbert Services Corporation, I discovered that these are illegal loans and that in fact as of XX/XX/XXXX, Cash Call, Western Sky and Delbert Services Corporation are being sued for issuing illegal loans. In addition, according to a statement of charges filed by XXXX Department of Financial Institutions, XXXX XXXX, Western Sky, Delbert Services Corporation are all owned by one man, name not given. After reading more reports I also discovered that WS Funding, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX other companies are also part of this illegal loan. I feel as if I have been a victim of fraud by an illegal company.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (VA)

XXXX XXXX I leased a XXXX Jeep Wrangler from XXXX XXXX in XXXX, XXXX. The lease was through Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I went to XXXX XXXX in XXXX and traded my Jeep for the Honda. Ally gave me a lease buyout figure of XXXX. I made the deal with XXXX and left with the Honda. The next morning I get a call from the XXXX dealer telling me Ally told them they have to pay XXXX to pay off the vehicle. They said the XXXX number was only for me if I bought the vehicle. Needless to say I had to give the Honda back and come back to XXXX with my Jeep. Ally also told the XXXX dealer that I had to take the XXXX back to the dealer I got it from, XXXX, for the payoff to be the same as what it would be for me. XXXX said they would give me a check to payoff the vehicle then when I got the title I could give it to them. Ally told them I could n't do that. 
So, I came back to XXXX, went to XXXX XXXX ( since they said the payoff would be the same for them ) picked out another vehicle, made the deal and AGAIN Ally says the XXXX payoff was only for me. XXXX would have to pay XXXX??? I came home and went to XXXX because we were told their payoff would be the same as mine. Now, again, I could n't get the vehicle because of Ally. I 've read my contract over and over and nowhere does it say they can do this. Is this even legal?
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.