davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I am writing to express my concerns as to the transfer of the credit card services to CITI Bank. I have been a loyal Sears customer since XXXX. On Saturday XXXX XXXX I received a letter from Citi writing that my account was past due and to pay {$57.00} today. It also when on to say that the delinquency was being report to the credit bureaus. I could not believe what I was reading and in turn called XXXX where I was greeted with the rudest people that I have ever talked to. I explained that I never received a bill from Sears or Citi bank the representative then said it was emailed to me. I then explained do not get any of my bills via email they continued to say that was impossible and I received the bill and that was all there was to the issue. I again asked why did n't I get a paper bill they said it did not make any difference they wanted their {$57.00} plus late fees of {$65.00}. 
The purchases were made in XXXX XXXX but I had not used the account since XXXX XXXX. I just was appalled of the verbal abuse that I received from the customer service department. I then asked how did the letter get to me and not the bill? I still do not understand how they had my email address the only logical thing that I know of is that XXXX just transferred all their accounts from XXXX XXXX to Citi bank the same as Sears transferring their accounts to Citi bank and that the information was shared between units. 
After my very unsatisfactory conversation from Citi Bank customer Service I called Sears Customer Service who was very apologetic for my experience. They also removed the late fee payments and continued to state that there have been a large number of accounts that did not get their bills. She also said this is particularly true for accounts that have not been used for a long time. 
The rudeness and verbal strong arming is not the way to conduct business maybe it is again the minimum paying job where they are not paid to think or research instead brainwashed into give me the money now ....
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (CA)

On Wednesday XXXX the XXXX I went on Loan Depot 's web site and inquired by inputting my Name and phone #, after I hit submit I get a call in XXXX seconds asking me, how they could be of help. I was very impressed by their quick response. I spoke to a gentleman briefly, and he transfereed me to a loan officer right away, saying he is the man I need to talk to. XXXX XXXX came on the phone and asked me, how he could be of help. I told him I 'm in the process of purchasing a XXXX in XXXX XXXX, Ca. My offer XXXX XXXX was just accepted and that I was shopping for the best interest rates. He said he would be happy to help, and told me what his Company could offer me. After twenty minutes of conversation I had made my mind to go with Loan Depot for my loan. He said he could do this entire process over the phone, I agreed and I provided all the information he requested. I had asked him if that 's the best pricing he could do. And he said everything I tell you is recorded, and if I get a better price, Loan Depot would match it and give me {$500.00} as credit on closing the loan. That evening I met with the sellers agent and provided a deposit of {$3000.00} and signed the sale agreement. And that night, I emailed XXXX XXXX all the requested document, since my interest rate was locked. On Thursday the XXXX of XXXX I informed XXXX that XXXX XXXX XXXX had given me a better interest rate of XXXX on the same product he was selling me, and he told me to email him the XXXX estimate, he called me back and said they will match it, I told he would also have honor the {$500.00} credit since I had received a better deal with XXXX he said that should not be a problem, he would talk to his supervisor. He called me XXXX minutes later and said it 's done, now my origination fee would be {$390.00} instead of {$890.00} I told him to move forward, and to send me a revised quote. Later that afternoon XXXX XXXX XXXX XXXX XXXX called me and said that they are not able to give me the {$500.00} credit. I told him XXXX had promised me the Credit, and the conversation was recorded, he said will should have not told you that, until he had received an approval. I was frustrated and told him how could Loan Depot change their minds, that 's not professional. I had emiled you all my personnel information XXXX credit repot, bank statement, pay stubs, and many other documents ) He started to apologize I told him it was false advertising, but he really did not seem to care. Now my Credit score has dropped from XXXX to XXXX due to excessive inquires and burrowing my coast me more money, with another Lender
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MO)

I contacted Experian to have the credit freeze removed from account. I was asked how long I would like it to last and I responded 7 days. The information was confirmed and then I was told that it would cost {$5.00} to complete the transaction. I asked if removing the freeze again would result in another {$5.00} charge and was told yes. I told the rep that I did not wish to reinitiate the freeze and it could be lifted permanently if a fee were involved. The rep told me it was too late and that he had already processed the refreeze. I told him you did not tell me there would be a fee to handle the transaction prior to questioning if I wanted to reinitiate a freeze. The rep said I did n't know if I could lift it until I already did it. I advised that I would be contacting the CFPB to file a complaint and asked to speak to a manager. He advised no manager available. Lifting this freeze on my credit will now cost me a total of {$10.00} of which I was not made aware prior to the processing of the order.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2015-03-23
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: ALLY FINANCIAL INC. (WI)

Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request. 
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (FL)

Been long time good customer with XXXX XXXX since 2011 and was charged annual fee of {$45.00} my account has been paid off for awhile, I do n't even use this card. I noticed the charge called asking them to waive it for me and neither the customer service or manager would do anything for me so I closed the account. Very upset I have to pay this {$45.00} fee when I was just charged and not even going to use the card because I closed the account. NOT HAPPY!!!!
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Income tax lien filed by the XXXX XXXX in the XXXX XXXX Court. I have lived in State XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On my Equifax report there are 10 late payments from a XXXX XXXXXXXX XXXX account that is not mine..I have already disputed this account with XXXX XXXX by informing them that I did not open a credit card with them and am a victim of identity thief. They are still reporting late payments even with this knowledge.
Consumer complaint received 2016-09-03
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: Synovus Bank (FL)

Brother wrote a check for money owed. Went to XXXX Bank in XXXX where he does business to cash the check. They took my license, put my thumb print on the check told me they were going to charge me XXXX for cashing the check. Then refused to cash it with out authorization from the person that wrote the check to me. This is a very unfair practice and I have never been so embarrassed and they were very nasty. Is this the banks normal practice If you have all the I.D . and Thumb print that should be enought.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (TX)

Gensis loans have stopped sanding letter of what I still own them. so me assuming I was n't getting a bill from them that I was done paying them. I was going to XXXX college here in XXXX TX. well it was called XXXX instituted and they closed them all down for what I know. so I was told by them that I did n't have to pay no more student loans because there was no account to send money. so I need to know what should I do since I think its unfair for me to pay for a loan that I though was payed for already.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient has twice " misallocated '' my payment and automatically enrolled me in forbearance in an effort to raise my interest rate. I uploaded a copy of my bank account statement to the Navient website proving the payment had been made. Once I proved the payment, Navient claimed it was a " back office '' issue and a hold would be placed on my account for 10 business days to resolve the issue. I called back 10 business days later and the customer service rep claimed there was no record of me ever calling and placed another 10 business day hold on my account to solve the issue. 10 business days later the issue has not been resolved and I keep getting harassing calls from Navient despite the hold being placed on my account. I am writing this today because the CFPB has filed a lawsuit against Navient for the reasons I have described above.
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

XXXX. The owner has been trying to get Ditech to pay us so we can get started but can not get them to release the funds they have in escrow from the insurance company. The owners have given me authorization to speak with the mortgage company on their behalf. The autho letter was sent last week along with me faxing it today. They tell me it will take up to a week before they can speak with me. The owner has been waiting for them to pecessour first draw for well over 2 months now. They have the money but keep adding to the requirements to get it.
Consumer complaint received 2016-05-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MT)

XXXX XXXX XXXX sold my second mortgage to Green Tree/Ditech financial while I was applying for a mortgage modification. Thus I was unable to have my second mortgage reduced or eliminated under Federal guidelines. Ditech, knowing this was the case has refused to negotiate in good faith.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Navient will not allow me to put the extra money on the loan I want to. In order to pay more money between my XXXX loans. I had my loans in deferment and forbearance where they charged me interest and now I am also being charged an additional day rate interest. I did tell them I would be seeking legal aid because it is against the law what they are doing. I did NOT sign or agree to anything pertaining to addition interest charges being added daily, when my loans where in both deferment and forbearance agree to more interest. They refuse too help me and to allow me to put the extra money on the loan I want to pay off first. Navient has the rudest, most unhelpful people working for them. When I pay extra on the principal they are charging me an interest fee on top of the daily interest they are charging. So I am being charged a daily interest, monthly interest, forbearance interest and the interest fee on the principal. The school is closed on top of it. So I am stuck paying for something I was never able to fulfill on top of all these fees. Any help would be great since this school is CLOSED! It was The XXXX XXXX and XXXX in XXXX XXXX, CA.
Consumer complaint received 2016-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (MO)

This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation
Consumer complaint received 2021-11-26
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: U.S. BANCORP (FL)

Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and US Bank automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. 

Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for US Bank reporting the loan over 120 days past due. THIS IS WRONG! 
I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. 

PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. 

Thanks, XXXX
Consumer complaint received 2023-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2023, with the assistance of a bank rep I opened a new CD with funds from a joint ALLY savings account to an ALLY acct. which was to be a joint CD. I have done this before with ALLY Bank online. The bank 's software was faulty and opened an acct. in my name only. This rep said she could correct and then we were disconnected. The next rep said she could fix and it never happened. Before I disconnected with the second rep, I asked for a case number, She gave me the number of one of our other accounts. I emailed the bank 3 times and got conflicting information back. Today I spoke to a supervisor who said it will be corrected in 7 t0 10 days. I also submitted a fax request yesterday. Interestingly, the beneficiary information passed over without me requesting it, but not the joint ownership. This is a very serious issue. Should I die, my husband 's fund would not go to him, but to the beneficiaries. This is not what we want and we are very concerned about all the misinformation. Hearing repeatedly it will be fixed in 2 days and now 7 to 10 days. I have no confidence that it will be corrected. 

Can you help correct the account title?
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (CA)

I have tried to validate this de bt, 3 se perate times. No one will send me validation of this debt, I tried to call the company  XXXX  Bank that initially held this debt and they said they have nothing on file for me. Neither the credit bureaus nor the creditor has sent me any proof of this account. Not only that, but the initial creditor told me they held no debt for me. I am not getting anything resolved with the credit bureaus nor the creditor and they are violating my rights by not verifying/validating the debt in question.
Consumer complaint received 2020-04-21
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. (GA)

XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXXI was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXXAlso XXXX shows me never late for XXXX  XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (UT)

I called Equifax in regards to a dispute the agency placed on the XXXX account and asked for the dispute to be removed. One agent told me it would be updated right away, his supervisor told me it would be removed within 24 hours, another agent told me 72 hours, and the last representative told me a request was never even input, and provided me the above case information. When I talked to another representative again, she said there was nothing pending removal.
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

Offer : XX/XX/XXXX I received a special offer from Chase : Receive your {$1000.00} welcome bonus when you follow a link to open a Chase Sapphire Banking account which expires on XX/XX/XXXX. Ramifications of the offer included within 45 calendar days, transfer {$75000.00} or more in new qualifying money to a combination of eligible checking, savings or investment accounts ( INCLUDING THE YOU INVESTMENT BROKERAGE ACCOUNT ) and maintain that balance for at least 90 days. 
Steps I took : During the week of XX/XX/XXXX I followed my special offer link to open the account. 
On XX/XX/XXXX I deposited {$75000.00} of outside money into my new Chase sapphire checking account. On XX/XX/XXXX, I transferred {$74000.00} of that money into a Chase You Investment Brokerage account ( which is one of the eligible accounts required to maintain my balance for 90 days in order to achieve the {$1000.00} bonus. Since that time to this date on XX/XX/XXXX ( well over 90 days ),  Chase has still not provided me with the {$1000.00} sign up bonus. 
Steps I took to rectify the situation with Chase representatives : On XX/XX/XXXX - I sent my first inquiry to Chase via the online help message portal checking on the account sign up bonus that was well overdue and not yet deposited in my account. They responded this was a matter requiring the expertise of the customer service department with a phone number to call Later that week ( after the XX/XX/XXXX message ) I tried calling the customer service phone number, but was met with no support. The representatives could not help rectify the situation despite me walking me through the steps of the sign up bonus I fulfilled. They requested a confirmation email of hitting the bonus which I never received. They were unable to help and the phone call ended up dropping on Chases end. I later spoke with two more representatives who were also unable to help and had phone calls dropped unable to help rectify the situation. 
During the week of XX/XX/XXXX, I spoke with XXXX XXXX, a branch manager of the XXXX XXXX location hoping this approach would work. She spoke with her manager and they agreed I achieved the merits of the offer, but because I didnt sign up with them in branch ( I signed up online ), they could not help rectify the situation because their branch would lose money from fixing the situation. 
During the following week of XX/XX/XXXX, I spoke with another representative from the Chase Sapphire banking line who needed his supervisor to call me back to help rectify the situation. He mentioned the supervisor would call me within two weeks it has now been over 1 month. 
Apparently Chase representatives claim they cant track proof of me clicking on the link for the special offer even though I followed all steps aligned with my special offer email.
Consumer complaint received 2016-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (VA)

I have a Parent PLUS Loans with XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) that is being serviced by Great Lakes Borrower Services. In XX/XX/XXXX I filed for XXXX XXXX Bankruptcy in XXXX Florida after my divorce. The terms of the bankruptcy were to repay all debt at 100 % of principal. Great Lakes filed a claim with the court {$17000.00}. The loan principal however was {$14000.00}. The bankruptcy court assumed that the amount the company claimed was the amount I owed to pay off the debt. As a result, Great Lakes was paid {$3400.00} more than what they should have been paid under the terms of the bankruptcy. My bankruptcy ended this past summer and all debts were fully XXXX by the courts in XX/XX/XXXX. Now Great Lakes is saying I still owe them {$2100.00} for interest on a loan that was paid off in bankruptcy and paid more than the terms of my bankruptcy agreement with the court. I contacted Great Lakes and they said student loans can not be XXXX in bankruptcy BUT this is a parent direct loan, they filed a claim with the courts and were paid more than what they should have been paid under the terms of the bankruptcy. I have contact my bankruptcy attorney and they are trying to understand what Great Lakes did before they can do anything. What Great Lakes is doing is trying to collect on debt that was XXXX by the courts and it is called XXXX