davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre, it makes no sense. is this really a credit card or is it a hoax. this is the number i called Macy 's Credit Customer Service XXXX the cashier gave slip which i still. my confirmation number for my payment which was on time XXXX
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WI)

I requested to file a dispuite for charges to a item I ordered and never received. The merchant sent a different item than I ordered, and was giving me the run around. Citi refused to open a dispute stating they ca n't because I have the item. But the fact remains I do n't have and never had the item I ordered. So after refusing to dispute that I disputed the charge in difference of the price when I checked out. It was {$79.00}. I was billed {$86.00}. After numorous phone calls, and being told I had to wait to file a dispuite for the charge of a shoe I ordered, and never received till the other dispuite was done. Then I could. So after Citi refunded the amount they charged over the purchase price I called back once again, and now being told I can only open a dispute once. So they took my legal right away when I first called, and refused to file a dispute for the full purchase, witch is what I first requested! After asking to talk to a supviser she just repeated herself over, and over being very rude. I then called back to file a complaint for poor customer service, and was told they are to busy, and will call me back monday morning. They never called. So I called again and was told once again they will call me Tuesday morning. Citi customer service is very poor, and down right illegal.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Date XX/XX/2023 ( XXXX XXXX XXXX XXXXXXXX ) My Paypal business account suddenly got banned without any reason or explanation I'm using paypal for my small business and I'm asking CFPB to help me with my case with Paypal Thank you very much
Consumer complaint received 2021-11-26
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. (TX)

Complaint : ( XXXX XXXX XXXX XXXX XXXX XXXX Bank account # XXXXhas violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. XXXX XXXX, and Equifax , must remove all information  reporting from and relating to ( XXXX XXXX  XXXX ) including third party debt collection accounts associated with ( XXXX XXXX XXXX ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc (CT)

hello I am a XXXX veteran this company ran my report I never gave verbal and or writtenconsent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. 
I 've tried to call and talk to thesecompany but never have any luck.
Consumer complaint received 2016-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

I went into default, I admit it. I have been spending the last 4 years paying thousands of dollars into " XXXX '' that were supposedly helping me get out of default and rehabilitate my loan. Every corporation buried me in forms to fill out and turn in, changes in due dates and amounts due, and endless runarounds. There was always an excuse as to why my consecutive monthly payments did n't qualify for rehabilitation. 
I recently parted ways with " XXXX '' for this very reason, and attempted to consolidate my loans with " FedLoan Servicing - A Department of Education Servicer ''. I submitted all of the necessary forms to consolidate all of my loans. They, in turn, consolidated XXXX of the XXXX I had requested, then attempted to start drowning me in required paperwork and forms. They sent me a notice in the mail stating I owed {$12.00} on XXXX XXXX. Upon attempting to pay said funds, my account online showed a {$0.00} balance due, and would not allow me to pay any extra. I am praying I do n't see them report a missed payment to the credit bureaus. 
I have been working feverishly for years trying to fix my credit, and right now my student loans are the only things preventing me from doing so. My loans are revolving in a world of default that I ca n't get them out of. Please offer as much assistance as possible, I would greatly appreciate it!
Consumer complaint received 2017-01-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NJ)

I had a student loan with National Collegiate Student fro XXXX. I was unemployed and unable to pay them. I tried to get the loan deffered but the company gave me the run around to who was managing the loan. Two different agencies filed adjustment against me in court for two different cost.
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (MD)

I am trying to get a loan modification from SunTrust Mortgage , Inc . I sent my documents in their pre-addressed envelope, but they say they never got it. Today I tried to fax the documents, but the fax phone just rang and never picked up. I am going to try scanning and emailing, and I will resend the documents USPS return receipt. SunTrust does not offer an address for overnight packages. I get the feeling I 'm being XXXX around - that my documents were indeed delivered but are lost somewhere, and that the fax number provided is bogus.
Consumer complaint received 2015-09-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (DC)

I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NJ)

I got a new job and called AES in XX/XX/XXXX to change my loan due date to coincide with my new paycheck schedule and new direct deposit bank account. I have XXXX school loans through AES but I 've only ever paid XXXX total amount on XXXX due date ( the XXXX of the month ). The representative told me it could not be done for the upcoming bill in XX/XX/XXXX but that I could suspend direct debit for XX/XX/XXXX and have the new date date/direct debit account changed for XX/XX/XXXX. I paid my XX/XX/XXXX bill online and used my new bank account information. THEY STILL TOOK IT OUT OF THE OLD ONE and overdrafted that account. I figured there was nothing I could do at that point and let it go. 

Now it 's XX/XX/XXXX, and they have randomly direct debited my account {$200.00} on the old due date ( the XXXX ). I called and asked why and they said only XXXX of the loan due dates were moved to the new date ( the XXXX ), the other XXXX remained on the old due date. This is in direct opposition to what I requested, direct opposition to what I was told by the representative when I called the first time, and direct opposition to the confirmations I received in the mail. HOW DID THEY CHOOSE ONE LOAN TO MOVE THE DUE DATE out of XXXX? How did they make that choice ( and why would I even request to split up the loans payments and due dates )? 

It was clearly an error and it screwed up my finances this week badly. When I called to have it fixed, the representative told me there was nothing he could do, I 'd have to call back in 10 days after that loan was paid to start the process of moving the due date. I told him I HAD ALREADY DONE THIS 2 MONTHS AGO, already received the confirmation in the mail and that he could clearly see that only XXXX of my loans was moved after I requested them all to be moved. He said there was nothing he could do until my loan was paid. I asked how it could n't be paid since {$200.00} was out my account today. Where was that money?! He had no answer, just that the it does n't show up in the system for awhile and that the system would n't let him do anything. 

I overpay my loans every single month, on time. I wanted to make XXXX minor change and its now resulted in over-drafting my account twice because of their mistakes. And this is still not resolved - there was " nothing they could do '' when I called. 

Imagine dealing with this company when you are really struggling or in dire straits? They are terrible at customer service and terrible at everything but taking your money ( incorrectly ).
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (MA)

I made a few disputes with card.com Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX and 3 atm withdrawals which I never received my services or money from the atm or received my food and card.com refuses to refund my money.
Consumer complaint received 2023-02-08
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. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (IL)

My XXXX loan was sold without my consent to American Education Services. After paying the loan off in full the following month, AES proceeded to withdraw from my account. When emailing about this they assured me I 'd receive a refund by XXXX XXXX. When I did n't receive the funds I emailed again. After XXXX emails, I called and was told it refund was probably issued on the XX/XX/XXXX and it should be in my account any day now. I 've called a number of times now. On XXXX XXXX I had called once again ( a month after I was told my refund would be in my account ) and after 45 minutes of going transfers and no answers, they told me the refund was paid and that I needed to send them all of my bank statements to prove I did n't get that. I proceeded to ask for some sort of confirmation of that and they said they did n't do that. I was not willing to send my private financial information to a 3rd party who had been so difficult to deal with up until this point and asked to speak with a manager. The manager came on the line and within 5 minutes she was able to see that nothing was refunded and told me I should have my refund in 3-5 days. I had to call again yesterday as I still have not received my refund. They told me by Friday this time. Friday will be XXXX XXXX, I did my part and paid off my loans in XX/XX/XXXX. This " company '' seems like a giant scam and I do n't understand how its legal for them to keep my money but they charge me interest every second my loan was still active. Another side note about this company is that they wo n't give you the full name of who you are speaking to, only a first name and an employee ID number and when I referenced the manager 's ID number no one knew who I was talking about.
Consumer complaint received 2015-08-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

My bank all of a sudden send me a letter stating that they are closing my account. When I asked them what happened, the reason was " it 's a business decision ''. I understand that they can do that, my concern is what happened that triggered it. 

They did leave my business account open.
Consumer complaint received 2015-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I went to chase bank on XXXX/XXXX/2015, I made a cash deposit for {$5000.00} cash. I did not bring my bank card but I gave my California ID to the teller. I filled out the deposit slip. 
But on XXXX XXXX, 2015 I checked my balance online and I noticed the deposit never made it to my account. By this point I did lose my receipt. I went back to the bank and asked one of the cashers to check my deposit and she said I had never deposited the {$5000.00}. When I asked to talk with their assistant manager she did not appear to give me any support to do so. She then said was going to check later and promised to call me but she never did. The next morning I sent my wife to give them my business card and tell the manger that I really needed her to call me. XXXX hours later the branch manager called me and said they looked in the system and could not find anything. So now I went back on the XXXX/XXXX/2015 to talk again with the assistant manager and she told me they spent a lot of time and did not have any record that I was there and made the deposit on that date. I told her I would come back on XXXX XXXX, 2015 to give her 3 more days to check, but I went to the bank today XXXX/XXXX/2015 to try to fill out a deposit of just {$20.00} so I could see if they put the money in a wrong account. To my surprise, not only could I not do the deposit, the teller also told me that they have XXXX XXXX in the system and did not know which one I was because I did not exist in their system. Even though I had my ID with me. I told him I wanted to talk with the manager and waited for her. When she talked with me I told her what had just happened and I asked why now that I 'm just depositing {$20.00} they could n't find me in the system? But when I brought my {$5000.00} it was not a problem. She looked in the computer and said they had no record of my account with the Chase bank, but I have a bank card. Then she later said they found me and I noticed they had the wrong social security number in the computer and she fixed it and confirmed I was in the system. I asked for the bank manager to give me the regional managers number and she told me that they did not have it. Then she just asked for my email and she was going to send him an email with my information. It is weird to me that they have a supervisor and do n't have not her number or her information to give to me. I am no longer comfortable with the way this particular branch is handling my money, and I fear that they are tampering with my information in the system.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (SC)

on my credit card statement it has your NEW BALANCE with interest & any new purchases. I paid the whole thing off, {$23000.00} .A few days later I got another statement saying I owed more interest. I called Chase & they told me I owed more? I filed a complaint with the XXXX & XXXX Office. Chase called me & sent my card holders agreement. I read this & no place on it does it have if you pay the New Balance off in full
Consumer complaint received 2016-10-30
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

I was befriended by XXXX from XXXX and over the period of XXXX mos from XX/XX/XXXX to XX/XX/XXXX I loaned him {$5000.00} XXXX. He agreed to pay me back but still has not. I contacted him again last week asking him to pay me back and he now refuses.
Consumer complaint received 2016-03-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I reported a fraudulent debit on my Chase business account in XXXX, XXXX ; XXXX specifically. My debit card was charged {$8700.00} at a night club. I informed Chase Bank that I believed I had visited the club but I most certainly did not spend nor authorize almost {$9000.00} in charges. As a matter of fact, I was told that my card had been declined and my associate was made to go to an ATM and pull out the equivalent of {$600.00} USD to settle our tab ( which in itself was a blatant overcharge ). This was after the assailants charged several thousand dollars to each of our other cards stating that they were declined as well. In the shuffle of cards the card in question went missing. Doing some research after the fact I discovered ( and informed Chase Bank ) of a well documented scam listed in the XXXX XXXX XXXX travel warnings that matched our experience almost exactly. XXXX We informed all of our credit card companies about the unauthorized transactions and they quickly handled the matter. 

Chase bank has refused to credit the unauthorized charges back to my account stating that the charges were authorized because I provided the merchant with my card, even though I never signed for the transaction or the amount, and my card was stolen. If a well documented scam by a merchant who has previously been flagged for this is n't covered in fraud protection, then it is n't safe for anyone to use a credit or debit card.
Consumer complaint received 2016-04-16
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kelsting Group, Inc. (KS)

Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you.
Consumer complaint received 2015-07-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (IN)

My wife and I acquired a home equity loan in XX/XX/XXXX, the payments of which were on an automatic deduction at a specified date of each month. The last payment in this cycle was current at the end of XX/XX/XXXX. In XXXX of this year, I stopped the deductions from my primary account which raised the interest rate the loan was figured with. By XXXX, this note was six months delinquent. I was blessed with spousal support to help remedy three months of payments. A total of 3 months payments, combined with 3 months of late fees was paid. The lending institution credited the account with an amount of one month plus {$57.00} of the second month, the balance left from that was taken for interest charges, no credit issued for late charges. Is this fair?? On XXXX occasion, I questioned them about why the interest payment credited was more than the interest payment of the previous month, they just gave me the runaround about it, their answer did not set well, as I knew I was being cheated into paying more than the loan was for. The accounting method used by this bank, as well as others, needs to be explained every month to the borrower as to how the payments are calculated. I know they will get their interest first. The loan originated at 6.9 % ( .069 ), the interest on my primary account, the bank was paying me was .01 % ( .001 ).
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX has reported XXXX inquiries to the Experian credit report that do not belong to me, dated XXXX XXXX and XX/XX/2016. The report lists these as bank credit card requests. Experian has not allowed me to make an online dispute, remove these from the report and place a fraud alert on my account. I am understandably concerned. Someone else had made these credit requests.