davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Navient Solutions, LLC. (MD)

I requested a 12 month deferment to for my Navient student loan in 2010. I had lost my job in 2010 and this is the reason I needed to deferment. At the time I requested it they were called XXXX XXXX. I tried to contact XXXX XXXX in the 12 month. They never notified me they changed into Navient. They came back and said since a was one month over the 12 months, XXXX total that my account was sent to credit collection service called Pioneer. My loan was for XXXX. They added XXXX for the one year deferment. The total was XXXX I would owe. Navient-Pioneer said since I wnt one month over they were adding XXXX to my loan as capitalized interest for the one month over. My loan went from XXXX to XXXX. They never contacted me about the name change. Can they do this to me? Is this legal to charge someone XXXX for a month for interest. I call them and never get any answers
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NC)

I received an offer from Chase, which owns my mortgage, to apply to a lower rate. I applied and was rejected. The application involved a credit inquiry which lowered my score. Since then I 've continued to receive offers to apply to lower my mortgage regularly. I requested that Chase remove the inquiry that lowered my credit score and stop sending me offers.
Consumer complaint received 2016-11-26
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Chase has withdrawn money from my personal checking account ( non chase account ) for over four years. When I called Chase ( five times on XX/XX/2016 ), to inquire about the Chase account where the money is going, they were unable to provide the information. I provided the routing number and account number for the account that they have withdrew money from and appeared that Chase was unable to track where this is going. Furthermore, Chase did not comment when questioned bout the authorization of auto pay from my checking account ( non-Chase account ).
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION (MD)

Hello, I had mortgage with Bank united and now when I call or see online account, it 's no longer there, there is no help at all, they said they sold my mortgage but there is nothing send to me, please help
Consumer complaint received 2017-01-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MA)

CITI double cash card lied and they will not fix the account. They are charging interest on a card that is supposed to be 0 % on purchases and transfers, but they are trying to say it is only transfers. It is clear on the offer it is both, and I want my interest fees refunded.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NV)

Citibank has sent me to collections because of a checking account that I had with them was overdrawn due to fraudulent charges. I call and call and call and no one gets back to me or assists me. My checking accounts with them are overdrawn because someone stole my identity and used my accounts, not sure how they did it when there was n't much money in the accounts.
Consumer complaint received 2023-02-01
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my disputeof items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute.According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

I have a loan thru XXXX XXXX XXXX which they are processing with Chase Financial. On top of my required monthly loan payment, I am paying additional monies in my monthly payments which I wish to have applied to towards the principal balance as authorized in my loan agreement. Chase is refusing to apply the additional payment to the principal balance. They have advised me that they are applying the additional payment towards any future monthly installment payments but they claim that they hold the extra monies in a " separate '' account for future installment loan application purposes. Chase has refused to process the additional monies towards principal as specified in the loan agreement. Any assistance you can provide would be appreciated.
Consumer complaint received 2016-02-25
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AL)

Chase Auto will call up to 5 times a day. Some calls are automated, XXXX number shows up as " XXXX XXXX of XXXX ''. I do not speak to them because everyone I have ever talked to has been rude.
Consumer complaint received 2015-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (KY)

As I told Chase Bank, this is not about my record of payment. This is about what I have paid over a period of XXXX years. This was my complaint to the State of Ky. State Attorney General for unfair loan practices. 
As of this date, I have paid {$45000.00}. There remains a balance of $ XXXX which will take about XXXX more years to pay off. When this balance is paid off I will have paid {$54000.00}. Your charge to me is {$29000.00} for the use of {$25000.00}. This is well over 100 % finance charges. I just want to the CFPB what myself and many other people are going through. This is a Home Equity Line of credit.
Consumer complaint received 2016-01-25
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC (VA)

I continue to receive calls about a loan that I do not owe. I was told that the Loan was taken out in Indiana and that they have a picture of me going into the store. I have contacted the company and confirmed that this is not mine and they have not initiated any action against me. I was contact by Oxford Law and a XXXX XXXX was the last to call. The number the called from is ( XXXX ) XXXX. I have given them my attorney 's number several times and they just hang up on me.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I have taken off XXXX quarter so my student loans came out of deferment. I logged onto the navient website it showed a total owing for the month of XX/XX/XXXX. I paid the amount in full. A week ago i started getting automated calls from them saying they have a message for me to log on to my portal. I did that today. It showed a past due amount for XX/XX/XXXX along with a small late fee. I called to talk to them - ridiculous. When I explained that they back dated a loan payment and needed to fix their issue they preceded to tell me where my payment went that was done XX/XX/XXXX - over and over and over again. Never listening or dealing with the fact that they back dated a loan payment that was not there when I paid for XX/XX/XXXX. I spent over an hour ( this is actually a short time for them ) on the phone trying to get them to understand the mistake they made. No resolution. I was charged a late fee, i wasted over an hour, and still had to pay the late fee. I took a picture this time of the website showing that no other monies were due for the month of XX/XX/XXXX. They do this continuously to get the late fees. They do not listen to what you are saying just keep repeating themselves about how I owe this and I owe that - I have no issues paying the loans, I just do n't like the deceptive, non responsive, and argumentative way they handle repayment.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

Case number : XXXXWith all the letters that I have sent to Chase Bank requesting verification of an account I have received no letters from them back stating that they have received my letters that were sent certified mail. 

This raises other issues in addition to my complaint XXXX.
Consumer complaint received 2018-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (GA)

Sallie Mae is still reporting on my credit when my loans were transferred to XXXX. My accounts with Sallie Mae are all at a XXXX balance and it has been over 10yrs and they are REFUSING to delete it from my credit.
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Credit Karma (IL)

Since " hard entry 's '' are of public record -- I choose that area as the area I wish to dispute. 
I just reviewd my Credit Report completely looking at each section and what it means. I read about the hard credit inquiries and I dispute that XXXX had my permission to check my credit. I called them to ask questions about their services because I was thinking about changing my carrier. I WAS NOT ready to change carriers at that time. Just inquiring about their rates. I DO NOT think I should have a hard entry from them on XXXX XXXX, 2015! I only asked questions over the phone about the rates and promotions that were available at that time. I do not remember being told they were going to check my credit because I was not ready to go to the next step to start service with them and change carriers. If I had been informed, I would have told the agent, " NO! DO NOT Check My Credit! I am Not ready to change carriers yet! '' So, I would like this " hard entry '' from XXXX removed from my credit report. Thank you in advance for your attention to this matter.
Consumer complaint received 2016-11-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (NY)

This alleged debt was created and contracted with my employer I have no responsibility or obligation to pay this alleged debt, because this a workman s comp case. The responsible party is my employer XXXX medical claims. This company has being harassing me and still have not contact the responsible party.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I have a a home depot card and received my bill and was shocked to see that there was a XXXX finance charge. Most cards I have with a promotional purchase there is advance warning that you must pay by a certain time to give the consumer a fair amount of time. Often it is highlighted in red so you can not miss it. Home depot does n't do any of these things. I feel as though they do not highlight the information because they want take advantage of their customers
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Innovis (CA)

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that INNOVIS DATA SOLUTIONS has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND INNOVIS DATA SOLUTIONS SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

We received harassing phone calls from Green Tree Representative XXXX XXXX in the beginning of our loan. 
The interest rate with Green Tree is unfair, 12.99 % it is too high. 
I applied for a loan modification, but was denied. 
No payment amount is being applied to the principal balance, we received a letter back XX/XX/XXXX stating we were {$6300.00} past due, I have copies of two payments sent during that time period. Original loan amount {$54000.00}, today it is over {$50000.00} after 16 years. 
I completed bankruptcy XX/XX/XXXX ( including arrears ) but the balance on the loan is still too high. 
I have attached additional information.
Consumer complaint received 2015-08-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC (KY)

I RECEIVED A LETTER FROM A COMPANY SAYING THEY HAVE TAKEN OVER MY MORTGAGE. 2 YEARS AGO I RECEIVED A LETTER FROM XXXX TELLING ME THAT THEY ARE RELEASING MY LEIN ON MY HOUSE. THAT I AM NOW RESPONSIBLE FOR MY TAXES AND MY INSURANCE. I WAS BEHIND IN MY LOAN AT THAT TIME. ON XXXX/XXXX/15 I RECEIVED A LETTER FROM GREEN TREE SAYING THAT MY LOAN WAS TRANSFERRED TO THEM ON XX/XX/XXXX. THEY ARE SAYING THAT I OWE ALOT MORE THAN I DID OWE. I CA N'T BELIEVE THAT THIS WAS A WHOLE YEAR BEFORE THEY EVEN CONTACTED ME. ON XX/XX/XXXX I RECEIVED A STATEMENT FROM GREEN TREE.SHOWING THE PRINCIPAL AMOUNT ALONG WITH OTHER EXPENCES. I KNOW THAT MY PRINCIPAL AMOUNT WAS NOT THAT MUCH. I SENT THEM A CERTIFIED LETTER REQUESTING A PAYMENT HISTORY AND THEY REPLIED BACK WITH THE ORIGINAL LOAN REPAYMENT AND SECURITY AGREEMENT THAT I SIGNED WITH BENEFICIAL BUT NO PAYMENT HISTORY. I DO N'T KNOW IF THIS IS SOME KIND OF SCAM. FIRST OF ALL IT TOOK THEM 2 YEARS FROM THE TIME I RECEIVED THE NOTICE FROM XXXX ABOUT HAVE MY LEIN RELEASED. THEN THEY COULD NOT SEND ME A PAYMENT HISTORY SO I CAN MAKE SURE THAT THIS AMOUNT IS INCORRECT. I 'M NOT SURE WHAT TO DO. PLEASE HELP!!!
Consumer complaint received 2016-09-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (MD)

There is an account reporting on my credit file with XXXX XXXX and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact XXXX using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to XXXX asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I had opened Checking and Savings account on XXXX night. I initiated ACH transfer from XXXX XXXX XXXX XXXX account to fund my new accounts. 

Checking Account - XXXX funded with {$25000.00} XXXX Account - XXXX funded with {$25.00} However Very next day Citibank locked my account suspecting some fraudulent activity. Though Citibank locked my account still my ACH transaction to fund new account went through on XXXX. 

Then on XXXX Citibank closed my both account but didn't refund me any balance in my accounts even though 60 days passed. I had to spend hours on Citibank call center without any help. 

Finally I raised case with CFPB ( case number - XXXX ) and Citibank refunded me my Checking Account balance {$25000.00} after 90 days. Also they didn't provide any explanation on, 1. Why Citibank didn't reject fund transfer to locked account? & 2. Why it took Citibank more than 60 days to refund funds from closed account? 

However Citibank still didn't refund me the Savings Account balance- {$25.00}.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

Home Depot habitually credits my account a week OR MORE after they receive the payment, as verified by the amount being debited from my Credit Union account. They call, email and otherwise BULLY me for payments paid a week or MORE previously. This has been going on for several years, but lately has been WORSE. I 'm sick of them and do n't understand how they get away with this.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I was offered a bonus of XXXX XXXX miles as a promotion for opening a CitiGold checking account on XXXX XXXX, XXXX. The requirements for receiving the bonus were as follows ; spend at least {$1000.00} withing 90 days and use the 'Bill Pay ' to pay a bill for two consecutive months. The requirements for the bonus were met on XXXX XXXX, XXXX and confirmed to be met by XXXX XXXX XXXX from Citi on XXXX XXXX, XXXX. She stated " Please allow until XXXX XXXX, XXXX for the points to be credited. '' I once again inquired about the status on XXXX XXXX, XXXX. XXXX XXXX XXXX from Citi once again stated " Welcome to Citibank, my name is XXXX. I have taken the initiative to request the credit of the miles, to your AAdvantage account with reference # XXXX. '' It is now XXXX XXXX, XXXX and Citi still has not awarded the bonus.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

The lender of my paid off mortgage, Ditech, has failed to return my escrow funds. The load was paid on XXXX XXXX, 2016 and I have yet to receive the funds. I have contacted the lender multiple times and have been told several different stories regarding the escrow funds. Basically, they tell me " check 's in the mail '', but I have never received it, although I did receive the final escrow analysis indicating that funds were due to be returned.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I mailed them a payment totaling XXXX, which was the balance of the statement dated XXXX. The mail was stolen out of the USPS system and someone fraudulently cashed the check. ( still working with XXXX Bank on this and it hasn't been easy ) This was not the fault of Synchrony however because the payment never made it I was subject to interest and late fee. These fees showed up on my statement dated XXXX. I called on XXXX and they reversed them and I paid the past due balance. 

The statement which would have been dated XXXX was either never sent to me or I didn't receive it through the USPS ( I didn't have an online account with them at the time ) so I had no way to know money was owed since I only use the account every so often. They texted me XXXX about a past due payment. I created an online account since their phone system is awful. I tried to pull the missed statement on their online portal but they don't post statements online ( only bank I have ever seen that doesn't give PDFs of statements ). I then called this morning to try and resolve the issue and they said they can't due anything and the account is now " an attempt to collect the debt ''. I have almost perfect credit and this company is not willing to work with me. They stated they can't waive the fee even though they didn't send me a statement and their own online portal doesn't allow anyone to pull a statement. They also said they can't waive the interest because the account is past due. She then asked when I would be making the past due payment and I advised I needed to see something in writing since they haven't sent me anything yet. 

I am reaching out to CFPB because this company failed to send me a statement to collect payment and is now blaming me. I understand the check theft isn't their fault and appreciate they worked with me then, but now that payment was not received because of them they are essentially blaming me. My next step once I receive something in writing from them is to push back in writing contesting everything since they have no proof a statement at the end of XXXX was ever issued. ( Since I can't pull it online and they didn't send one in the mail ). 

All I want is to close this account ( which they said I have done ) and pay off the balance for actual charges I made.