davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX. I recently disputed Civil claim judgment by XXXX XXXX XXXX IN THE AMOUNT OF {$9200.00} that appears on my credit report with Experian only and requested that I receive a legal and throughout investigation into the matter to have it removed from my credit report. They failed to provide me with any of the methods in which they claim to have validated this item and I am extremely concerned and afraid that I may not have a rightful resolution to my problem. Civil Judgment XXXX is illegal reported in the public record of my file. This item was expunged from my records following Federated Financial 's failure to appear in court and the XXXX Judge withdrew the suit against me as it was never validated or owed. Another concern I had was that the claim amount was severely inaccurate and exaggerated. The settlement outside of court was under the sum of {$2000.00}. 

I asked Experian to kindly look into this matter for me and delete this item, as it is greatly affecting my interest rates and approval odds with financial institutions, and they validated it somehow and kept it negatively affecting me in a letter sent to me XX/XX/XXXX. This public record item is not legal and it is not valid and was withdrawn by a Judge and its contents were never open and satisfied outside of court. There has never been an judgment against me XX/XX/XXXX nor have I any records proving this myself. 

What has affected me the most is that I received no documents nor any proof of any investigation as requested in my letter, which I have attached. I specifically wanted to see what Experian was seeing and there is nothing that has been provided besides a number XXXX-Please call this number yourself. there is absolutely no dial tone and it can not even been found in their database catalogue. 

Please, Experian, remove this invalid judgment from my records this is not proper investigating and this is not a legal item and can not legally be reflected under my social security number with your company. The address provided was also incorrect and I have no idea how and when and by whom this public record item was verified. Please remove it promptly, it has now been 25 days since the receipt of this letter and I will not wait any longer for any more investigations. 

I have attached my disputed letter, my recipe and their response to me in hopes of asking Experian again to please remove the item which is not valid nor viable.
Consumer complaint received 2017-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I presented a registered and recorded Negotiable Security # XXXX to 4 different local Chase branches to pay off the loan for our home. We were directed to their downtown location which is XXXX XXXX XXXX, XXXX, XXXX, TX, XXXX. Upon our arrival. XXXX XXXX who is a XXXX XXXX XXXX for Chase was assigned to help us. I told XXXX XXXX that I was there to pay off my mortgage and that I needed someone to receive and accept it for their XXXX. Upon not understanding what the legal tender was, he called Chase back office for assistance. After scanning and sending a copy of the Security to their back office, we were told that they needed 7 to  14 days to research the security. While waiting for a response from Chase, a Qualified Written Request was sent to them on XX/XX/XXXX via certified mail. They signed for it on XX/XX/XXXX. During this time period, I received calls from Chase employees at least 2 times a week requesting payment and stating that this is an attempt to collect a debt. I stated to them each time that I presented them with a payment and that a copy of it should be in their system while they are researching it. They confirmed that it shows in their system and I should hear from them by XX/XX/XXXX. On XX/XX/XXXX, I received some information ( but not all ) from the XXXX and nothing regarding the Security I presented. Missing information from the XXXX mainly include cancelled checks that made the basis of the loan. On XX/XX/XXXX, I went to a different Chase branch located at XXXX XXXX XXXX, XXXX, TX, XXXX to see if someone could receive and accept the Security for their XXXX  XXXX XXXX for Chase is  who helped me at this branch. They followed the same process by contacting their back office for assistance and scanning a copy of it to them. First, the back office stated that they could not accept the security because it had Without Recourse attached to my name but they were going to check to make sure. After 11/2 to 2 hours of back and forth telephone conversations, they wanted to postpone the call until today ( XX/XX/XXXX ). XXXX requested that it be expedited because I was there and available that day ( XX/XX/XXXX ). Chase finally stated that they only accept payments in the form of Cashier 's checks, Bank certified check, Personal check, Attorney 's check, Money order, Wired funds, and I-branch payoff using cash ( see attached printout that I received from XXXX ). My  question to Chase is what note turned Security are they trying to enforce if a Negotiable Security is not an acceptable form of payment? Is this not the form of payment used at closing? This is specifically why the Security is addressed to their XXXX.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

an account was opened with XXXX for XXXX phones, ( XX/XX/2016 ) after i called XXXX, it was determined fraudulent and account was closed, said they would contact reporting agencies to have the inquiries removed from my report. same person opened a XXXX credit card account ( XX/XX/2016 ), XXXX also closed the account after i called them and they said they would contact reporting agencies to have inquiries removed from my account. the XXXX hard inquiries have been removed from XXXX but not equifax. this is the email i received from XXXX : Here are the results of your claim. 

XXXX account number : XXXX XXXX We 've completed an investigation into your claim regarding the account number listed above. 
We 've concluded that you 're not responsible for any of the charges on the account. 
We 're submitting a request to each of the XXXX major credit reporting agencies listed below, to remove you from any reporting on the account. It can take anywhere from 30 to 90 days to process changes within their systems. In the meantime, feel free to use this letter as proof that corrections to your credit are pending. 
XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, CA XXXX XXXX XXXX XXXX help.equifax.com XXXX XXXX Thanks for your patience and assistance. If you have any other questions or concerns, please feel free to contact the XXXX at XXXX.
Consumer complaint received 2016-10-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MO)

XXXX I never had an account with them XXXX XXXX I reported my card lost and to close the account and they did n't and that I do n't know what Transworld system is and it was open XX/XX/2012 I have no idea on what all this is on my credit the only thing that should be on my credit is really nothing everything 's up to date except I 'm behind on one of my credit cards to my credit cards but those are getting paid next month and that 's XXXX and XXXX XXXX those XXXX credit cards are getting paid next month but other than that I should n't have anything else on my credit somebody is using my credit out there and it 's going on my credit
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened an account with Citibank in XXXX. Then I moved to XXXX. I fully updated all my personal information and legal status throughout the process. 

Then, out of the blue, they decide to freeze my account! 
I did not receive any warning email. They did not send me any post to warn me of the freezing. I had money in the account and no cash in hand. And worst of all, they did this on a Friday, which means I had to wait until the following Tuesday until the customer service officer responsible for the freezing to come back to work. I had to spend 4 days without any cash in hand or withdrawal. I had to go to the currency exchange in order to buy my food! 

The employees at the XXXX branch in XXXX did their absolute best to help me out and resolve my case. I watched them call the customer service guys in front of me multiple times. No matter what they did or who they spoke to, the headquarters gave no satisfactory answer other than " Have him come back next Tuesday ''. 

When I came back on Tuesday, the only thing the bank could do for me to get my money back is to CLOSE THE ACCOUNT. That 's because the headquarters were unable to legally process my case. 

The bank employees advised me to take my money to another bank, because the headquarters were " too slow '' in processing my case. I could have spent another 2 weeks with a frozen account while they took their sweet time. 

As of the time in which this problem occurred, I was ( and still am ) an XXXX from XXXX. That was my legal status in the USA. It was valid and supported by my lawyer. But the Citibank people had no experience dealing with my XXXX applicant status, and they did not communicate effectively why this problem happened. If they had told me about the problem EARLY ( at least through email! ), I would have talked to them and worked with them to fix it, not spending 4 days with no cash in hand.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

According to my records, my student loan with Navient was paid in full. I made regular recurring payments. In spite of this they turned my loan over as " defaulted '' to the US Department of Education, which is now attempting trying to garnish my tax refunds. 

The US Department of Education sent me a letter giving me 15 days to dispute this, while refusing to provide me with the loan history and payment information I requested of them. They letter was dated XX/XX/XXXX, I received it on XX/XX/XXXX! 

This is outrageous.
Consumer complaint received 2017-08-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC (NY)

I started having communication with XXXX XXXX XXXX years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. 

I had since left that career and sent payment when I could to the XXXX Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to XXXX XXXX  XXXX for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX of 2017, I got a letter by mail with an offer to open a credit card with a promotional 0 % APR for 15 billing cycles on balance transfers and {$0.00} Transaction fee if used within 45 days of opening the card I applied, so I could transfer {$3500.00} from another credit card. Having excelent credit score, I saw no problems with getting approved for the amount mentioned above. I was approved for a credit limit of {$250.00} dollars. Obviously when asked about the reason, I was told because of high balance on other cards, even though my credit score is excellent. Strange thing, but I believe this is a misleading advertising as with this they got me enrolled, but I will not be able to use the offer that lead me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one.  All for nothing, as they didnt grant any credit increase. This will affect my credit score.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (KY)

I have disputed the information with the company more than once. They pass it off to the original company and let the original company do their own " investigation '' they always come back with everything is right. They could not prove the debt in court and lost the case and I have the court papers for no judgement plus in my credit report that I have desputed I stated that the supposed original company closed the account on XX/XX/2013 and that XXXX was opened in XX/XX/2013. That is fraudulent reporting! I have said this to equifax and XXXX. For them to not investigate and pass it off and not take it off my report and just keep allowing the company to keep reporting this false information is illegal. I have also reported this to the attorney general. This is not right, for a junk debt collector to be allowed to do such a thing and what is worse that equifax and XXXX allow it. The credit reporting companies do n't attempt to investigate what is reported to them.
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I have been trying to pay my loan in advance. But each time I make a payment, the next due date does not advance. After complaining here, one of my lenders Consumer Advocates assured me that he would manually change the due date whenever I made a payment. That isn't happening, moreover, he appears to be no longer employed by Navient. My email to him bounced and the extension is no longer valid. When I tried to call the consumer advocate office, after being on hold for 10 minutes, I was told to leave a message and they would return my call in 48 hours ( an unacceptable delay ).

This issue has been going on for over a year. My account is set up to have payments apply to the next due date -- and it doesn't happen. Each time I make a payment, I have had to spend close to an hour to get the payment due date moved forward. This is unacceptable.

I should also note that the response Navient has provided to the CFPB is false. Previously, the reason these payments aren't applied to the next due date is because I have a consolidation loan with both subsidized and unsubsidized federal loans and they can't apply a payment to one without the other. But I have my payments set to apply to both on the same prorated basis as there would be for any normal monthly payment.

I can not be the only Navient borrower who wants to pay in advance. For several years, this wasn't an issue ; but only became one about 18 months ago. Suddenly, they are " unable '' to apply payments to future due dates. I am sure this is in the hopes they can hit these borrowers with late payment fees and the like even though we have paid in advance.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have a checking account at Citi Bank. On XX/XX/XXXX, early morning at XXXX XXXX I deposited my " PAYCHECK '' via ATM. I received a letter via notification that my PAYCHECK funds will be available in 3-5 business days.But after I deposited my paycheck, the next day Citi Bank seized my entire account. When I called customer service they connected me to fraud department saying due to an " unusual '' activity they are not clearing this check and have held all my savings. They said they are holding my entire account until they resolve this matter Not only did they block my account they also seized my all money that I had before depositing the check. After 4 days on XX/XX/XXXX they release my cash fund and Fraud department told me to visit Bank so Bank can help Me release funds.When I went to Citi Bank Branch located on XXXX XXXX XXXX, XXXX XXXX where I originally deposit my check into ATM. I spoke to Citi Bank Manager and even I explain to her and she went through my account and told me it 's not her department and she told me I have to contact fraud department while I was sitting there I called fraud department and I let her speak to fraud department and after she hung up she said she ca n't help me. I also dial XXXX XXXX manager where my employee issue check from and XXXX XXXX Manager also confirm that the fund has been released from their side. They are not holding any amount but still she refuse to help. I asked her to give me reason why my money is been held and she gave me a letter saying my fund will be release after XX/XX/XXXX. Sir, I have family to support including XXXX little kids, my daughter is XXXX XXXX  old and my son is only XXXX  XXXX. I have not received single letter from Citi Bank saying the reason for holding my Money. I already paid {$100.00} more to pay rent since my rent check has been returned and I had to borrow money to pay rent. I have attached documents so you can evaluate my situation and help me to release my fund early as possible.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have opened a new business bank account with citi I made to 2 deposits one for XXXX in cash and a cashiers check of XXXX from XXXX XXXX my old bank.Since this account was now open I was changing my bank to citi from XXXX XXXX but citi fraud department is now closing it because my past history with another bank a bad check was deposited that wasnt me and all the money I deposited is stuck and theyre saying I have to wait 30-60 days because they have to verify the check I deposited but it was a cashiers checks and cash deposit so why cant I just take the money out now and citi bank closes the account they wont let me that was all my money and I cant access it Im stressed out and fill XXXX right now can I please get help and get my funds back thats mine I need citi bank to unrestrict the account asap Im struggling with my bills and cant do anything all of my funds are in that account
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (DC)

I am on a graduated repayment plan. I have been making payments as required for years and my balance seems to not be moving much. I recently began submitting larger payments to pay down the loan faster. I was reviewing my statement and noticed interest was still accruing despite my larger payment being enough to cover not only the billing period interest but also some principal. After further research, I noticed that even my minimum payment in accordance with the payment plan was enough to cover the billing cycle interest plus some principal. This is not what is happening. Your corrupt organization, Nelnet, is only putting money towards one of the two loans while accruing and capitalizing interest on the other loan, which happens to be the larger loan. HOW IS THIS LEGAL? Both loans fall under the same account. HOW IS THIS HAPPENING? I contacted Nelnet with questions and requested they respond via email because I want documentation of our communications. They are REFUSING to provide me with an explanation, which makes me even more suspect of their behavior. This is unacceptable.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (CO)

3 checks were stolen from our mail box in XX/XX/XXXX then washed and cashed. 2 of 3 the checks were cashed by XXXX XXXX on XX/XX/XXXX.. The 3rd check I had a stop placed on it. The recipients names were changed to cash and the amounts were significantly altered ; # XXXX for {$240.00} to {$2200.00} and # XXXX {$290.00} to {$2200.00}. The payee 's called several weeks later complaining they had not received their checks. I called the bank to see if the had cleared and they had not. I rewrote them new checks and mailed them out ; thinking i must have accidentally thrown them into the trash. I received my statement on XX/XX/XXXX and found the checks had been altered and cashed. I immediately went to the XXXX Key Bank Branch where i explained the problem to XXXX XXXX, relationship manager. He helped me complete the Key Bank Fraud Affidavit. Then I proceeded to the XXXX County Sheriffs office and filed a Case #. Since then i have been unable to get any money refunded. Neither Key Bank nor XXXX XXXX Fraud Depts. will discuss this with me. XXXX XXXX says i 'm not their customer and Key Bank says the branch in XXXX should follow up on your behalf. The XXXX Branch says its out of their hands that it is a XXXX XXXX issue.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I am participating in the PSLF program. Every few months I log onto the FedLoan Servicing website to check my qualifying payments. In XX/XX/XXXX, I saw six of my loans had 7 qualifying payments. I saved that webpage to PDF ( attached ). However, in XX/XX/XXXX I saw those loans only had 5 or 6 qualifying payments. 

When I called XXXX, I was not given any explanation as to why my qualifying payments had been reduced.