davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for HELOC loan on my home in XXXX XXXX CA. with Chase Bank. I 've lived in the home for 19 years. My XXXX score when I applied was XXXX, I owe on the property XXXX. The appraisal of the house came in at XXXX which Chase gave me. My income is {$13000.00} a month which was verified. My loan to Value on the home is less than XXXX %, The requirement was could get an amount on the HELOC up to XXXX % of the value of the home so I could of applied for more than XXXX. I only applied for XXXX. The XXXX requirement was must be over XXXX. I was declined with no explanation then after inquiring and phone calls, I was then told verbally the reason I was declined was because my XXXX mortgage has a balloon payment at the end that is due XXXX. This is not relevant in that HELOC expires after 10 years which would be 2026, so I would n't have the HELOC at that time. I also explained that I make additional payments to my loan and that the balloon payment is greatly reduced because of that. I was asked what my demographic was for data purposes. I contacted Chase bank supervisor after decline to re-evaluate and tell me a valid reason and there was no courtesy of a response to my concerns. I have since gone to XXXX XXXX bank and it was a slam dunk approval and verification within 2 weeks since I met their criteria which actually had higher standards. I exceeded all of Chase banks requirements. The other requirement was 24 months of pristine perfect payments which I have had for many more years beyond that in the 6 year range.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I have been trying to get my mortgage caught up since XXXX when I called Chase Mortgage to ask for a letter stating that my home was close to foreclosure so that I could take money from my XXXX to catch my payments up. They sent me that letter and I applied for the money and received it on XXXX XXXX, 2015. At that time I called Chase to make the payment and was told that they would have to send me a reinstatement notice which I never received and I just found out today that they sent it to a foreclosure attorney irney instead. I called the attorney ( XXXX and XXXX XXXX ) and was told they would have to order a reinstatement. In the mean time I received a notice from Chase giving me the amount that I would need to pay in full and it stated that I would need to send certified funds but it did not give me a specific address to send it to. I called Chase back at the number that was provided me to call when I received the notice ( XXXX ) Ispoke with XXXX XXXX who told me that I would need to call the attorney for that address. I called the attorney and XXXX told me that they had not received any information from Chase as of yet and if Chase had sent me this notice of amount due then they would need to provide me with an address to send it to. I called Chase back and I have since spoken with XXXX more people, XXXX of which was giving me an address to send it to when we were disconnected. I called back and of course I could not get back to that person so I had to go thru the same spill with XXXX other people who then again tell me that I will have to deal with the attorney. So at this point I have a bank that will not take my money and a foreclosure attorney who does n't know anything. I finally got to a lady ( XXXX XXXX ) at Chase who called the attorneys office herself and she was told that they do indeed have the paperwork and it will be completed in XXXX hours. Why is it such a problem for people to tell me exactly what I need to do to get this taken care of and why was I told that Chase would do XXXX thing and then they do another. I have spoken with XXXX people today just to get to XXXX XXXX who maybe is telling me facts. I made my first call at XXXX today and I just got off the phone at XXXX. I am concerned because now not only do I have to pay the late payments but I will be charged attorneys fees which I would not be paying if Chase had done what they told me they were going to do. I realize this is my fault that I am in this situation but I am trying desperately to correct it. I was told today repeatedly that the reinstatement notice was sent to me when in fact it was sent to the attorney.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX Reward offer a false promotion to cath a customer for their Hotels and credit card. I apply 1 mont ago for the XXXX XXXX credit card for the benefit to travel in their hotels and Saturday XXXX XXXX, i booked a trip directly for the XXXX for the hotel XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and the air fare tickets, after that, i called a XXXX XXXX assistance to apply for the benefit ( Club level upgrade and {$100.00} credit ) and the operator told my that is impossible because i booked my travel from third party ( XXXX ). 
I sent to XXXX the evidence to show that my trip was booked in their website directly, and the receipt from XXXX ( XXXX XXXX partnership ), never from XXXX, but they did n't want to honored the reward offered. I explained to XXXX XXXX assistant step by step how i completed my purchase from XXXX and send us the evidence but i no have any positive answer to solve this issue.
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NJ)

Earlier this month, I set up an electronic payment from my primary checking account to make a payment on a Citi Visa card prior to the due date. I then received an email letting me know I had a secure message online ( after the due date ). I logged into my account and found a letter ( PDF ) stating that the payment was never made. In this letter, Citi had my correct routing number but my checking account number was missing XXXX digit. To correct the issue, I first tried to re-enter my correct checking account information, which Citi would n't accept since they said they already had this checking account on file. I then tried to delete the checking account information to re-enter it, but I was locked out from making changes to my banking information online. So I then contacted Citi again asking them how I should proceed. I then received another email letting me know that there was a secure message online. But when I logged into my account this time there was no letter ( PDF ) or electronic message. I also noticed that I was assessed a {$25.00} fee ( for a returned check ). And, just now, I received an email letting me know that Citi reviewed this account and lowered my credit limit by more than {$1000.00} to the point that this card is essentially maxed out. 

I feel like I am either being punished for noting an error on the part of Citi that they are trying to cover up. Or that Citi used this error ( or prompted this error ) to create a situation where I would unknowingly be late on a payment just to lower my credit limit and thus negatively impact my credit score.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have tried to get a loan modification for at least four years. From CitiMortgage my house will be sold on XXXX XXXX, 2015. I have gotten the run around and I can never talk directly with the person assigned to me. I always have to get a call back. some time it would days before the person was available. I have a job and can not spend my work hours on personal business while at work. My loan number with them is XXXX and at one point almost 23,000.00 dollars was paid in arrears and I also paid XXXX payments in a loan modification with them. They dropped the modification when the final papers that needed to be signed were n't back because I had trouble getting my ex-wife to sign them. She is on the loan too. I do n't think anyone can help me it is too late I am sure. The greed of these companies is not right how they want people to give in.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VA)

I tried to make a certain purchase with my Citibank Double Cash MasterCard. The purchase looked like " suspicious '' activity to Citibank and was flagged causing a fraud alert/hold to be placed on my account. All of this is completely reasonable. What is NOT reasonable is the fact that I 've been trying to get the fraud hold removed from my account for more than a month. For over 34 days I have placed numerous calls to Citibank 's Fraud Department with absolutely no success. I 've been disconnected, lied to, and given the runaround. It 's wholly unacceptable. Citibank insists they can not remove the hold because they can not verify my identity. They said they need a registered phone number in my name in order to do this. I do not have a landline telephone. It 's 2017 and I am 100 % certain that I 'm not alone in this. I do have two cell phones, both in my name. One of which I 've had, in my name, for over 6 years. Still Citibank said they can not use those phone numbers because they do not show in their database for verification. So, one rep asked me if I had another Citibank account they could use. I do and I have that account information only to be told that they can not use that for verification. So the other account which has the same name, social security number, and address can not be used to verify my identity according to them. This is another Citibank account. After speaking with countless representatives, supervisors, and someone who identified herself as a manager, I was told they Citibank can not help me. She said that I have to sit and wait until my phone number shows up in their database for verification. If I 've had this cell phone IN MY NAME for 6 years and it 's not yet in their database then it wo n't ever be. This is wholly unacceptable. I even offered to physically go into a Citibank branch with my driver 's license and the card for physical verification and this person who identified herself as a manager in the fraud department told me that was n't acceptable. That the ONLY way my identity could be verified was through a phone number that appeared in their verification database. This is the most ridiculous thing I 've ever heard. This whole experience has been beyond frustrating. This is the worst customer service experience I 've ever encountered. No one at at Citibank can seem to help me. They all come back to a phone number that must be in a certain database. So now my card is useless.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

I opened an account at Citi based on a reward offered. The reward was never given so I closed the account. They then charged me a monthly fee after the account was closed.I called and resolved it and confirmed again that the account was closed. I then received a letter in the mail stating that the account was negative ( as a result of a fee ). I called again and they stated that the account would be closed, however the fee may have go to collections.
Consumer complaint received 2016-06-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

I have a Macy 's American Express Card. I made a payment on XXXX/XXXX/2016 that was more than the minimum balance due. They applied the payment to the Macy 's Store Account which had a {$0.00} balance. They then proceeded to call me on XXXX/XXXX/2016 at XXXX am from XXXX ( no message ), at XXXX pm from XXXX ( no message ), at XXXX from XXXX ( no message ), and at XXXX from XXXX ( no message ). These are central times. I looked the numbers up and called Macy 's. I was told that when an account is delinquent they can not control how many times a phone number is called.
Consumer complaint received 2015-06-17
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

I went to Titlemax on XXXX XXXX XXXX in XXXX, GA on XXXX XXXX to apply for a loan with the title to my car. I received a loan for {$2500.00}. In XXXX when I paid my XXXX payment I asked what was the minimum I could pay. I was informed it would be {$300.00}. I had just been hired at a new company and getting settled in to my pay dates. I called again to make a payment on XXXX XXXX and I again asked what would be my minimum payment and was informed it would be {$300.00}. I was also informed by XXXX, who wrote the loan for me on XXXX XXXX, that if I did not pay the entire monthly note of {$360.00} that the amount I was paying would be applied to interest, an additional interest that was not calculated in the original loan agreement. This is a penalty for not paying the full amount. This was not in the written agreement and it was never verbally stated to me ever until XXXX XXXX.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

My student loan has been on an in-school forbearance for about the past two years, ending XX/XX/XXXX. After I graduated, I called Navient to discuss my repayment options and the offer of an extended repayment plan was made. This would extend the time of my repayment significantly, but lowered my monthly payment which was what I wanted. Without going into specific details, I have had to call Navient back, about monthly in attempts to get this new repayment plan processed. Every time I call in, I have to go all the way back to the beginning of the story. Every time I call in, I am told it will be taken care of, yet, I continue to have to call back in! I do n't understand how there is this much confusion if the call center representatives are taking notes and if the phone calls are recorded? Why should I have to re-explain myself and why has one simple task of processing a repayment plan not been completed? When I get angry on the phone, I am ignored. In fact, today when I called in ( again! ), the manager cut me off as I was complaining about the company 's incompetence and I was put on hold as I was speaking. They do n't care how their customers are treated and all I am trying to do is pay back my student loan. I have made payments on these loans regularly since XX/XX/XXXX, but why does any kind of little change have to be so difficult and take months to finalize? Because of this company 's negligence, my payment due XX/XX/XXXX was listed as higher than what my extended repayment plan is supposed to be. I made the payment for my extended repayment plan, about {$200.00} less than what a normal payment would be. Now my account is showing a balance of that {$200.00}. This would have never happened if the payment plan was processed as I was told it would be, the last three times I 've called.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Citi Bank-Direct. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VA)

In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact XXXX
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened a checking account at Citibank under the promotional code XXXX. This promotional offer is a {$400.00} bonus if I deposit {$15000.00} in new to Citibank funds into a checking account, and holding the money for XXXX days. Once that requirement is fulfilled, Citibank had XXXX days to credit me the {$400.00} bonus. I deposited {$15000.00} into my new checking account on XX/XX/XXXX. Therefore, the bonus should have been posted to my account by XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not posted.
Consumer complaint received 2017-03-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

Enrolled in XXXX preferred without my consent. I 'm XXXX years old and Noticed I 've been charged for this service. My XXXX is not what it used to be, and once my daughter started looking at things she noticed that funds were being withdrawn. Reference number : XXXX
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AAS Debt Recovery, Inc. (FL)

Continues to attempt to collect debt. Refuses to allow proper validation of debt. When trying to dispute they have an auto message that populates which means they are not even looking into my information. Stated payment arrangement was made, I requested recording of such arrangement be sent to CFPB and BBB as well as myself of date that payment arrangement was made. They stated sent certified letter asked them who signed letter as it was not myself. I want signature sent to CFPB. I want original documents and signatures made from myself binding me to a contract with AAS Debt Recovery Inc, as no contract exists to my knowledge. I 'm a XXXX veteran and getting taken advantage of by this debt collection agency who do n't even care enough to hear my disputes. So glad to have fought for someone 's freedom to rip off and misrepresent to others so your welcome for that freedom.
Consumer complaint received 2017-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I am currently enrolled in a 12 month " rate reduction plan '' with Navient. I had started this payment plan in XX/XX/XXXX. The 12 month plan has not ended yet, as of XX/XX/XXXX my AUTOMATIC PAYMENT was NOT processed and now Navient has sent a notice of late payment and has advised that a late fee will be issued. I have raised this issue with Attorney General XXXX Office. Navient must take responsibility for their injustice actions once again. This showcases their harmful practices! My loans and account are always being mishandled which forces me to take action at every turn! This needs to be RESOLVED IMMEDIATELY! I can not afford for them to INCORRECTLY REPORT ME TO THE CREDIT BUREAU AGAIN!
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to file a complaint on file for the violation of my rights by your company. This is not a new dispute to be placed. You have a grave responsibility to make sure that a formal investigation is conducted and if during the investigation any information not verified must be deleted. Unfortunately, I don't have confidence that you properly verified the alleged bankruptcy list on my consumer file. According to my consumer file and your website, all assumed public record source is the federal court and XXXX XXXX. 

I contacted the Federal Court and received a letter from the clerk that the Federal courts does not report to consumer reporting agencies. I contacted XXXX and received a letter that the alleged bankruptcy was not verified and was removed my XXXX report. Also effective XX/XX/2022 XXXX XXXX verified that all Public record information has been suppressed. So How did you conduct an investigation and verify information that is not listed with your sources? 

I have the right privacy and confidentially, you are in violation of 15 USC 1681i ( XXXX ) -Procedure in case of disputed accuracy section XXXX Treatment of inaccurate or unverifiable information. 

Attached are proof that the alleged bankruptcy is not listed with your public record sources.
Consumer complaint received 2015-11-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (MI)

I was never notified of this debt before it was placed on my credit report. I received no notification of any kind. The first I knew of this debt was when the collection companyplaced it on my credit report. If I had received any notification I could of paid it ( whichI have ) I do not think it is ethical or fair to place something on by credit report without eversending me anything requesting payment.
Consumer complaint received 2015-09-24
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (OH)

I actually never once received a bill from either the medical company or the debt collector. I only found the bill myself when I was purchasing a home and it was on my credit report. I called about XXXX numbers before I found XXXX working service. I paid the bill because I dont want it on my credit, but I never received a bill or phone call from either company. I had moved during the time of service XX/XX/XXXX until now XX/XX/XXXX but had my mail forwarded each time. I would have received communication had they called or sent the bill. This hospital had several bill for me during this time and never sent a bill to me for any of them. I now have to have this on my credit because the debtors wont take it off even though I never recieved anything for it and tracked it down myself and paid it!