davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (KY)

Sent my savings via US bank for a purchase overseas. The money never arrived thus could not make the purchase. Went back to ask for the money and have been for the last five weeks to no avail. Will appreciate help just getting my money back. They can keep the charges
Consumer complaint received 2016-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (DC)

I am in the Public Service Loan Forgiveness Program and my loans are held at FedLoan Servicing, and this year they improperly reevaluated my payment plan two months early. I received notice for my annual plan reevaluation and promptly submitted my information. The confirmation email that I received included a statement saying, " If you are submitting your request for your annual recertification early, we will process your request once you are toward the end of your 12-month payment period. '' However, FedLoan Servicing reevaluated my plan 2 months early, and increased my payments 2 months early ( in XXXX instead of XXXX ). I have called them three times, and each representative has confirmed that it was indeed processed earlier than it should have been. I am now told that there is nothing they can do to change the evaluation time. This means that I will have my plan reevaluated two months earlier than it initially should have been every year. 

While they are attempting to override my XXXX and XXXX payment to only require the lower amount, I have already made my XXXX payment at the higher amount, since it was due. In addition, now the annual recertification will always be due two months earlier than it should be due. Moreover, what is to prevent this from happening again next year and every subsequent year? This needs to be rectified and the timeline needs to be accurately set. I am told there is no way to do that. 

Please also know that they have also failed to follow-up with me on my requests, and it has required my persistence to call FedLoan Servicing to have answers.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (LA)

AES is incorrectly reporting XXXX student loan accounts as derogatory to XXXX and XXXX ( Claim Submitted with Government in XXXX XXXX for all XXXX ). I have attached credit reports from XXXX XXXX, XXXX and XXXX XXXX, XXXX. On XXXX XXXX, the XXXX accounts were included in Chapter XXXX Bankruptcy from XXXX XXXX. This reporting was correct, but I disputed it because the the reporting was scheduled to continue past XXXX XXXX, which was incorrect. On XXXX XXXX, the accounts were updated to read Claim Filed in Government in XXXX XXXX. This is grossly incorrect reporting.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (TN)

My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Equifax and my car loan company XXXX will not work with me to add XXXX back on my credit report. I disputed the late payment from XXXX we have been going back and forward about this dispute for over XXXX months and neither company is willing to do their job. I paid XXXX a month from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2017-10-13
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: Credit Plus Inc (VA)

I have not gave permission for these companies to run my credit : Credit Plus or XXXX to run my credit. Please remove this from my reporting. Thank you so very much! 

Credit Plus has run my credit on these days : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX has run my credit on : XXXX/XXXX/XXXX
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: KEYCORP (OR)

I had a preferred checking line of credit ( XXXX ) thru Key Bank that functioned as either a credit card or cash loan. Due to medical expenses my limit was reached on this account. Key Bank customer service advised that I could open a Key Bank Platinum Card ( XXXX ) and transfer the previous balance to the new card at a lower interest rate. This was due to the increasing interest rate on the original card that made it difficult to keep up with payments.. The transfer would lower the interest rate. At this juncture I was expecting the original amount on the first card to be transferred to the new Platinum Card at a lower rate, then they dropped a bomb on me and advised that I could not transfer the balance to the new card. I advised them that I was unemployed at the time the new card was opened. And soon after the second card was opened, Key Bank began to raise the rate from 7.9 % to near 20 %. I kept falling behind and was unable to establish a payment program, the card rates were increasing and the penalties and interest made it impossible to repay the debt. I have since contacted them several times and offered to close the credit card accounts and convert the debt to a consumer loan in order to pay it back. They have refused all options to repay them and continue to charge me penalties. I now have little hope of ever paying this loan back unless they cooperate and realize that their manipulation, failure to close the first card, and charging me higher and higher interest with penalties has put me in this situation. 

The Bank was applying all my payments toward the finance charges and penalties and NOT the principal. This made it impossible to pay this amount off!
Consumer complaint received 2016-04-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

XXXX XXXX has received collections letter for reimbursement of breach check from Citibank. However, I have not received a check from Citibank in the amount of {$66000.00} as of XXXX XXXX, 2016. It has exceeded a reasonable time-frame.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CITIBANK, N.A. (NV)

The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.
Consumer complaint received 2016-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (SC)

XXXX XXXX XXXX incorrectly placed an account into collections for {$49.00} with Enhanced Recovery Corp. After seeing the collections account on my credit report, I called the collection agency and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that this was a mistake on their part and they would have the dept removed completely. This was done in XXXX. 

Since then, XXXX XXXX XXXX has credited the {$49.00} to my account, which makes the balance zero, however the collection account continues to show on my XXXX credit report. After seeing this, I called XXXX back and they imformed me that they have requested Enhanced Recovery Corp to remove the collection account since it was a mistake on their part. 

Enhanced Recovery Corp has yet to remove this false collections account.
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I have disputed an item 5 times and have not received an answer from the collection agency, The issue was fraud and I have submitted all necessary paperwork Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Account- XXXX Amount : {$770.00} To whom it may concern : I have disputed the following debt on the following dates : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 I have attached copies of my previous correspondences which include the following : Fraud Affidavit Copy of Credit Report Police Report This account was set up fraudulently, and is not mine. I have not received a single reply from XXXX which is in violation of the fair credit reporting act.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I am writing to dispute a billing error in the amount of {$2600.00} from Citi Credit Card that appeared on my credit report ( XXXX ). The amount must be mistake because I called the Citi representative to find out about this charge, but they were not able to find any account information under my name or social security number. This could possibly be a fraud and has caused damage to my credit. My family we 're trying to get a loan to buy a house and not able to because of this. I tried calling Citi Bank and Citi Credit Card, they provided me fax numbers to send in my disputes but both numbers do not work. They said only fax and no email for the disputes. I am unable to get through them. This is why I come here to your site for help.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

I own a very small studio in XXXX XXXX, Illinois. I rely on the small Social Security Benefits for my support. My mortgage is with Chase Bank. For the last 5 years I have been trying to obtain a modification for my loan based on the US government guidelines, sending modification paperwork to that bank in many copies. At the same time Chase filed a foreclosure against me. I have been sending all the required documents as requested by Chase ( over and over again for no reason ) but never received a modification. At the end of this entire cycle Chase went through the foreclosure process and sold my condo. Now I am in the position that I have nowhere to go and will end up on the street.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

Equifax , XXXX and XXXX are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX 2013This Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, the tax lien has been removed from all bureaus as well except Equifax , and XXXX acct # XXXX. XXXX has removed both of them but Equifax left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Equifax letting them know that the other credit bureaus removed it and Equifax left it on showing verified. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX and the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

while reviewing my Equifax credit report they listed on it an account for real estate at {$56000.00}. I have no loan for real estate. The house I purchased in the past was handled through Chapter XXXX bankruptcy. I would like to have this investigated. Thank you
Consumer complaint received 2016-02-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (MD)

Westlake Financial has taken it upon themselves to start charging their customers {$5.00} to pay their bills with a debit or atm card. It is free to using a checking account but not everyone has a checking account and after reading about the recent government action against them from the CFPB I am not comfortable giving them my checking account information. it is also not right to charge your customers to pay their bills. XXXX, XXXX, XXXX, my apartment rental company does not charge me to go on their website and pay my bills. The company is offsetting the government action against them by making the consumer pay a fee to use their website to make, for me an auto loan payment. Westlake needs to remove the {$5.00} fee and allow their customers to pay their bills free of charge.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I have a checking and savings account with Chase and reported my ATM card stolen and someone used oved {$4000.00} at XXXX without using an ATM pin and was successful at getting the cash. The bank stated that my signature matched the signature on the receipts and they took the money from me. I later used the ATM machine at XXXX and when I attempted to use the ATM machine it stated it was not dispensing receipts. I notified the casino cage and was told that my account would not be debited. The ATM machine is owned by a company in XXXX Nevada and I contacted them and was told to file a dispute with my bank. I contacted Chase again and continue to talk with people in foreign countries and continue to get different responses. One senior Representative with chase told me that when you 're dealing with a casino " it 's nearly impossible to get your money back ''. With that being said they should warn customers not to use casino ATM machines. I never took over {$10000.00} from my account at an ATM machine because the machine was not working. I gave a cocktail waitress my ATM card to buy a drink and believe that they used the card to get money from my account. I asked Chase 's fraud department to request receipts from the casino and ATM company so that we could resolve this matter and they are refusing to do so. I was told that they would further investigate the matter and have never received a response. I recently called Chase for an update and was told that it was closed and I 'm not getting my money back. I have an ATM limit so how can someone take that much money from an account? What 's the use of filing a fraud claim if they 're not going to fully investigate it? Chase was able to get copies of signed receipts from the first claim, but on the second claim said the ATM company is not cooperating. How can someone take over {$10000.00} from your account and tell a bank they wo n't provide receipts showing that it was me? There was no ATM pin number used and I know that the transactions do not belong to me. I found documentation online that this same company has done this to several people and nothing is being done about it.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

Each month, I pay more than what is owed on each of my student loans ( XXXX total ). It was my understanding that any payment in excess " unpaid interest '' would bee applied to principal for each. However, it appears that a large portion of excess payments made on all of my loans ( going back months ) have gone to interest that exceeds the " unpaid interest '' at the time of payment. As such, it appears that my principal balances should be lower than they are. I have never paid late, so no additional fees have been assessed.
Consumer complaint received 2015-07-25
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: JPMORGAN CHASE & CO. (FL)

This statement is not new, just an update. Years ago I wrote about the foreclosure on property that was mortgage. I also explained how the mortgage company lied and falsified documents. Now, here we are in 2013, and I still have the same problem. No attorney will help, but that 's ok. I am in a different phase. At the time of requesting help, the house was livable, now it is falling apart and still, no help. I have XXXX situations and need directions. First, the house deed is not in my name, went to court, judge ruled in my favour that I could not by evicted from property and not to pay rent. Second, it have been some years and because this house is not in my name, no work was allowed, not even a roof after the hurricanes past through. Now here is where I need some advice, the address that was mortgage is a vacant lot, but the house sits within the perimeters. In other words, I pay a light bill and water bill where a house should be but is not. It is a vacant lot. Now, I have not heard from Chase bank who foreclosed on the property over XXXX years ago. At one point they would send someone out to check on the property ( house ) that they believed they purchased and cut the grass. But that soon stopped. After that, there was a call from an attorney in the XXXX XXXX area that called to ask me questions concerning the signature of a family member that was not notified about any of the court proceedings that lead up to the foreclosure. He said, no wonder this file was sent to me, who is XXXX, and why her name is not on these papers. I told him the long story of what happen and that was the last time I heard from anyone. I do n't know what my options are, just puzzled. The electric and water bill is affiliated with the house, is not the address on the bill. The vacant lot do not have a house on it, but that is the address where I pay to have service. Please help. Thank you
Consumer complaint received 2016-06-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

We have a savings account that we have had for many years. Never really checked balance but when we did XXXX or 4 years ago it was drained to zero. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX anT they confirmed that our account was being used to pay XXXX of there customers.they withdrew XXXX months and only gave credits for XXXX months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Please see figures below. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00}
Consumer complaint received 2017-02-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (AZ)

Best Buy Citi Card has been charging me for debt protection for almost five years. I was not aware I was being charged for this service until I took the time to review multiple past statements. I do not recall every signing up. I called Best Buy/Citibank ( it 's never clear who is who ) and was given the run around. I was handed off from call center to call center : XXXX to XXXX to XXXX to XXXX back to XXXX. The level of obfuscation and time wasted is breathtaking. I would like a full refund.
Consumer complaint received 2016-11-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Auto Finance ( CAF ) is either unable or unwilling to provide accurate consistent documents and most importantly a reliable final bill. After several calls and letters, I still do not know what my outstanding charges are or if I 've received credit for all of my payments. They do not reply with any explanation. Instead, their replies are simply copies of documents already provided. In addition, during XXXX, XXXX and XXXX of 2016, CAF continued to collect lease payments even though the lease had matured in XXXX of 2016.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (NY)

I had a checking account with M & T bank. Had an opportunity to make some extra cash doing what most like to do and that is shop. An evaluation compamy contacted me to evaluate companies close to my home. Well I fell for it and they sent me a check to make purchases and it was fraudulent. but I did n't know that so I deposited it ( never touched it ) and they closed my account and told me the decision was made due to past history. do n't have past history. all I want is my account back.