davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I have a mortgage with Chase bank for a co op apartment unit with a {$65000.00} balloon payment due XX/XX/XXXX. I have made monthly payments with no delinquency for ten years towards repayment of this loan. 
Reached out to Chase bank in spring of XXXX to initiate steps to refinance but was told they were not taking loan applications due to being preoccupied with processing PPP-related loan business. 
Reached out again In XX/XX/XXXX to attempt refinancing of the remaining balance on the existing mortgage. After several weeks of working with the Chase banker, the Chase banker advises me on XX/XX/XXXX that the bank would require an appraisal of the apartment. I was told by the banker that the appraisal fee is {$3500.00} ( non-refundable ) and it would be completed 3 weeks after the appraisal is scheduled implying that there would be no time for underwriting a refinance of the balloon payment. 
Despite stellar credit, plenty of collateral and full cooperation with the bank, I have unable to refinance the remaining balance ( {$65000.00} ) on the mortgage.
Consumer complaint received 2016-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for modification 8 months ago and have not received any results i submitted documetion each time requested. On XXXX to XXXX different occasions i was told to refax documents because they claimed they were not received, i think the servicer not completely honest about this process. I spoked with XXXX different supervisorsrs and received no results. I need yOUR HELP PLS,
Consumer complaint received 2022-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

When Federal Student loans first paused interest and payments, I called Navient, my student loan servicer and asked if my loan qualified for this payment and interest pause. They told me no because my loan, is an XXXX loan that is privately held and not the govt. Then I asked how I could qualify for the payment pause. They said there is nothing I can do. On another occasion I contacted them and asked if I consolidated my XXXX  loans if I would qualify for the payment and interest pause. They told me that I shouldn't consolidate because my current interest rate is 2.89 % and if I consolidate, yes it would be 0 % while the payment and interest pause is in place but after that my loans would be at the higher current federal rate around XXXX or 7 %. So I chose not to consolidate at that time. 
Now, after talking with XXXX XXXX, I find out that if I would have consolidated, my interest rate would be the average of my current loans interest rate so in essence it would remain at the same interest rate and qualify for the payment and interest pause. Because I was provided inaccurate information I have had interest on my loans for the past 2 years that I shouldn't have had and have been required to make payments that I really could not afford.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Purchased a vanilla visa gift card for {$200.00} Gave to son as a gift he lives in XXXX XXXX When he tried to use the card it had no money on it. Shows it was used at a XXXX XXXX store in XXXX XXXX the next day after it was purchased. Contacted Incomm Financial and they said they would do an investigation. 2-3 months later they came back and said the same thing I already knew. They advised me no refund as the card was used in person which is not a possibility cause I purchased the card and mailed the next day to XXXX XXXX. They either duplicated the card or there is one really good scam going on. My son mailed it back to me and I have had the card in my possession I now see online that this has happened several times to people that have tried to use the card The card was purchased on XX/XX/22 in XXXX XXXX XXXX mailed to XXXX XXXX on XX/XX/22. Used at XXXX XXXX on XX/XX/22 in XXXX XXXX
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

Apple credit card account was closed on XX/XX/2022. I do not know what rules I violated and I reached out to support and they refused to explain to me the reason behind closing the account. I attached their email as well as my conversation with them through the chat.
Consumer complaint received 2019-12-23
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: LEXISNEXIS (MO)

Whereas Lexis Nexis has not properly investigated, or reported information properly and according to the Fair Credit Reporting Act. 
Correspondence and Dispute sent XX/XX/XXXX regarding A Bankruptcy reporting with source as Hawaii Federal Bankruptcy Court XXXX on XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing and requested verification providing me with copies of any documentation bearing my signature. In the absence of such documentation I formally requested the item be deleted from the credit file. Nexis Lexis Responded with a form letter simply stating Verified from the Hawaii Federal Bankruptcy Court XXXX. 
2nd Correspondence and Dispute sent XX/XX/XXXX requesting Lexis Nexis provide me a description of the procedure use to determine the accuracy and completeness of this information verified including the name, address, and telephone number of each person contacted regarding this listing. Again, I requested documentation bearing my signature and that any further automated response from lexis nexis or e-oscar verification was unacceptable. Nexis Lexis responded with the same form letter as the last one simply stating verified without any of the information I requested and am entitled. 
I contacted this court in Hawaii and they provided me a letter stating they do not provide any information to credit bureaus. I have sent this letter to Lexis Nexis and that mere fact proves they are inaccurately reporting information on my credit report as they continue to report their source of verification as the Court.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

In the year XXXX i went to best buy to get a computer for the amount of {$1700.00} i was willing to pay off the computer when one of the associates told me that if i open a credit card with best buy I will get promotional offers and discounts the card No. is XXXX XXXX XXXX XXXX and to other products but they never mentioned or show me that will pay {$99.00} every two years for the card. 
I paid in full all my products then later i received this incorrect charge of {$99.00}. I call Best Buy/ Citibank about the charge and I explain that I never sign for that type of card and I told them that the associate never mention to me that i will be charge {$99.00} to have the card. I Told them that they need to removed the total amount and they did not do it they continue adding interest on that amount. from {$99.00} now is {$390.00}. 

I sent letters 3 to disputes this charges and they only sent me letters to call them only to received the same answer. That I need to pay the amount mentioned above. {$390.00} XXXX explain that I went to best buy where I they offer the card and the Manager told me that that they don't charge annual fee for regular store card only XXXX XXXX I explain that in my disputes that I have only regular best buy card, and they insist that I need to pay that balance. So in XX/XX/XXXX I request for the card statements since the first charge ( that even the representative told me that many people called in the past for the same reason, that for me sounds like a fraud!! ) so I request the contract from that regular store credit card so I can find the specification of the charge, they told me 30 days since that they and I have not received anything form them and now is XX/XX/XXXX. 
I need to report this fraud form!! Best Buy /Citybank as a consumer I have the right to see the original contract from the card and the first statements where I Can see the first charge. They also hurt my credit with bad reports for this situation!! that is why I need your help mainly to see the original contract of the Best Buy credit card and the first charge. So I can go right away go to the manager that keep saying that they don't charge for that type of credit so I can certified that they that they are lying to the people.
Consumer complaint received 2019-12-23
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has issued XXXX Resolution Reports and in both reports, they missed answering many questions. 

In addition, Wells Fargo marks most of the complaints as duplicates and by doing so avoids answering all of the questions/addressing the issues. 

So the purpose of this complaint is to once again try to get this arrogant bank to cooperate. After an almost 1 year one-sided biased secret investigation, Wells Fargo issued a Resolution Report # XXXX and missed major issues. 

The tone of the report was one of impending liquidation and reflected the biased and one-sided as the secret investigation.
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX 's Home has an account at U. S. Bank in XXXX XXXX, CA. at XXXX. I deposited XXXX checks on XXXX/XXXX/16 for a total of {$31000.00}. I was told the funds would be held, however, I learned on XXXX/XXXX/16 {$200.00} was realeased and {$4800.00}. was realeased on XXXX/XXXX/16. However U.S. Bank has charged for 3 checks submitted for pay a total of {$100.00} over draft fees. The funds were there. The checks were drawn on an account from XXXX in XXXX XXXX. The payee was the County of XXXX a governmental agency. In reading the regulations a government check does n't have to be held that long. I told XXXX the employee at U.S. Bank and she told me XXXX County went bankrupt. That is an untruth. XXXX County has never went bankrupt. This was done to get funds from this account illegally.
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (CO)

Please refer to previous complaint # : XXXX I am dealing with identity theft and illegal/unauthorized financial transaction issues from XX/XX/XXXX. After ( and continuing ) filing multiple complaints and reporting, Citibank confirmed the status of dispute with reference numbers ensuring me that the personal loan is in " pending status '' and their investigation team has been notified. 

On XX/XX/XXXX right as the business day turned, I received another email that my personal loan ( which is in dispute and pending status with reference number ) has been " approved and processed ''. I started calling the customer service numbers that the citi website provides, and also that I verified over the phone with the existing/communicating customer service representatives over the weekend. They are continuing to forward me to irrelevant lines, hanging up, and playing fake messages of " this line is unavailable '' to buy more time and not address my urgent need.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I XXXX XXXX had a joint account with my XXXX XXXXXXXX XXXX on XXXX the XXXX XXXX  my account was frozen the XXXX in it was {$8100.00} she had a judgment with her against XXXX XXXX and XXXX I put in a intervene in and went to court on XXXX the XXXX I won the judgment when I won the judgment I let Wells Fargo know that I won and everything After I let them know I won they close my account and they would not talk to me they have not yet sent me my money or let me know where my funds are and when I will receive my money I won the judgment and that's what the judge said I would receive all of my money back and Wells Fargo has yet to give me any of my money or access or even when I will get it.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation (ID)

My parents are receiving repeated phone calls from a company called Penn Credit at XXXX. The call is automated and says it is in regards to a debt. There is an option to press a number to indicate a incorrect phone number, which my parents have done several times and the phone calls are continuing several times a day.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc. (LA)

I purchased furniture at XXXX XXXX of XXXX, The terms of the agreement were 12 months same as cash. My finance agreement is through TOWER LOAN and is calculated differently. The interest has been added to the purchase before the finance agreement of 12 months with no interest has expired. This company also does not send out statements for the monthly payment due. I asked them about the statement and was told we do n't send statements- they only send out late reminders. Date of XXXX XXXX XXXX, 2016, I reported this to the furniture company XXXX XXXX, 2016 and I am now reporting this to you. This is unfair lending practices and needs to be investigated and prosecuted for taking advantage of the undeserved XXXX. TOWER LOAN is charging interest in advance and this is against the law.
Consumer complaint received 2022-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Harris & Harris, Ltd. (TX)

" Phony '' collections agency ( Harris and Harris ), from XXXX ( IL ), keeps calling me at odd hours AND OVER THE WEEKENDS ( especially over the weekends ), using different numbers. Said agency, per federal and per MY STATE ( Texas ) do not follow lawful activities when making the call ( unlike other collection agents ). They claim to call about a " business matter '' ( always use this line ). So, I answer to their request evasively ( eg. I'd say " I'll connect you with XXXX XXXX if you leave a message about said 'business matter ' '' ) or be more direct ( " if this is a collector call, plese, tell me who you are ''. None of those things had been done by them.
Consumer complaint received 2021-12-16
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. (WA)

To Whom It May Concern : Equifax is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is XXXX XXXX XXXX XXXX  # XXXX Equifax has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.
Consumer complaint received 2021-12-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (NJ)

I have tried to dispute this debt multiple times beacuse it has been reported poorly and is affecting my credit score. First of all none of the dates match up at all and the amount is wrong not to mention the address they have on file is in Florida and I have never lived or even been to Florida I have the right in the FCRA to have my credit report 100 % accurate and clearly this is not so I would like for this to be removed from my credit report or I will be seeking litigation to sue for defomation of character.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Background : - on XX/XX/XXXX, I paid my Wells Fargo mortgage of {$60.00} on line through my Wells Fargo Checking account - on XX/XX/XXXX, my XXXX XXXX XXXX account was charged {$86.00} for XXXX mortgage ( $ XXXX {$30.00} principles ). This was not authorized payment by me! 
- I called the bank 3 times and it seems no one can help me to solve this issue - then I spoke to a supervisor XXXX who said that she will look into it and it can take 10 days to get back to me!!
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Berman & Rabin, P.A. (MI)

This debt was a business loan that was claimed to be forgiven by management it was then paid off through a personal loan and is no longer a valid debt. 


Called me more than XXXX times within XXXX consecutive days, Harassed me through XXXX  and/or XXXX, Called me to collect payment without clearly identifying themselves as debt XXXX, Contacted me even after I requested for them not to in writing. Debt amount : {$19000.00} Company : Berman & Rabin PA
Consumer complaint received 2022-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I paid the total balance of my Credit Card, like every month, on XX/XX/XXXX late at night ( {$1900.00} + {$30.00} from my Bonus Cashback Redemption Program ). My payday is the XXXX of every month. The Company ( XXXX ) withdrew from my checking account the amount paid on Monday, XX/XX/XXXX early in the morning. The afternoon of that day and today, in the morning, I received notifications and alerts from them that my Balance was {$0.00}. However, this afternoon I received an alert from my Credit Monitoring Agency that my credit score had dropped precipitously ( XXXX in XXXX & XXXX in Equifax ) I immediately made the dispute and also called XXXX, they ( both ) promise to resolve it but they do not ensure that my credit score will return to the point it was at, that is, they do not ensure that they will restore the same number of points that they unfairly took away.
Consumer complaint received 2019-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I am a victim of fraud. XXXX, and XXXX took the last collection off my report which was a {$320.00} from A collection agency. However, Equifax refuses to take it off. When I called them on XX/XX/2019 they put me through all these cks to verify my identity when I get to a live person they hang up on me. I tried to call back several times and they are unreachable. I checked my Equifax score today XXXX XX/XX/2019 my score dropped 34 points they refuse to help me and tell me why.
Consumer complaint received 2016-04-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NEW CITY FUNDING CORP. (MA)

I financed a vehicle in XX/XX/XXXX-XX/XX/XXXX and had car issues days into the loan then the loan was cancelled and was no longer active but it still shows it on my credit report and I would like for it to be cleared off.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I have a Chase Visa Slate credit card. Often I have credit balance due to overpayments. Chase Visa usually refunds credit balances by sending a check for the amount. This did not happen earlier this year. In XXXX Chase Visa Informed me that it would send a credit balance refund check for {$51.00}. I am still wailing for the check as of XX/XX/XXXX. I contacted Chase Visa ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. At this date neither have I received a check, nor has the credit balance restored to my Chase Visa account.