davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

I was trying to get a lower payment as I became XXXX and was n't able to work anymore. My income was reduce tremendously but I still wanted to try to make payments on my loan. So when I reached out to Navient they informed me that my best option would be a forbearance that way I would have more time to get on my feet. So when my forbearance ended the payments was too much to handle. I 'm a single XXXX mother of XXXX. I barely can afford food to feed a family of XXXX better yet pay $ XXXX+ a month for student loan. I know they have to be repaid but they could have have me lower monthly payments or explained all options.
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (TX)

Discover took over the loan from XXXX in XXXX XXXX. Initially, my student loan rate at XXXX was 6.25 % but Discover increased my rate to 6.5 % in XXXX XXXX when it assumed the XXXX portfolio w/o communicating the terms to me via email or by mail. When i graduated in XXXX XXXX I had applied for auto debit that should lower my rate by 0.25 %. They did not entertain that. Then again, I see that that they increased the rate to 6.625 % in XXXX XXXX. In XXXX XXXX, they have increased my rate to 6.875 % in XXXX XXXX, to 7 % in XXXX XXXX and now 7.125 % in XXXX XXXX. This is a rip off since this was a fixed term loan and not a variable interest loan. All this while, my credit scores are going up and the interest rates have gone done. So why is Discover abusing and charging more fees that they are not communicating to me directly via email or via phone or via mail when they have all my information? I need money back for this negligence at their end and credit for extra fees paid.
Consumer complaint received 2022-08-25
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, JPMCB CARD XXXX Date Opened : XX/XX/2014 Balance : {$14000.00}
Consumer complaint received 2016-11-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I 'm XXXX and disable, I asked XXXX bank to transfer money from my checking account on XXXX/XXXX/2016, city bank suppose to send me ATM card for my saving account ending on XXXX to checking account ending XXXX about {$1500.00}, city bank agent XXXX stated he can do it because he has no access to it so transferred to his supervisor that said I can not do it because you do n't have the ATM card yet I told her I have the pin and was verified and you have my saving account number usually Transfer are between accounts not ATM, I have few checks coming on XXXX/XXXX/2016, what is going on why I can not transfer money between my accounts this is fraud at best I think CFPB must protect consumers aginst banks. 
Thanks
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I charged {$5900.00} on my Citibank credit card in XXXX XXXX. I disputed the amount on or about XXXX XXXX. The disputed amount was credited to my account in or about XXXX XXXX. Then in or about XXXX of XXXX my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.
Consumer complaint received 2016-07-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (TX)

My loan is currently handled by American Education Services ( AES ). Dealing with them has been pretty hard and cumbersome to experience. They are lax in their workability and are reporting student loans as being in default rather than remaining in contact with its customers ( myself ). I have experienced loss of credit rating and now they wo n't return calls or emails.
Consumer complaint received 2016-06-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

I had a home equity line of credit thru PNC Bank. I received the letter in 2012 telling me my loan maturity date was coming up & I needed to either pay off the loan or renew the loan for another 10 years. I submitted all the required paperwork, i.e. pay stubs, XXXX, etc. Apparently the person reviewing my application did not know how to read a credit report. I owed approx. {$150000.00} on my mortgage & {$55000.00} on my HELOC. I did n't hear back for over 2 months & when I finally got in contact with that person they told me they could not renew my loan because I owed too much on my house. When I asked him to clarify, he told me I owed {$210000.00} on my house so they could n't renew my loan for the additional {$55000.00}. I tried repeatedly to explain that the {$210000.00} was the mortgage & HELOC & that 's all I owed. By the time I sent all the paperwork to him to prove that all I owed was the {$150000.00} & {$55000.00} the loan had come due. Because I did not have {$55000.00} to pay it off, I continued to make my usual payment of {$1000.00}. After 3 months, that person 's supervisor looked over the paperwork & saw the error but then I was told they could n't renew my loan because I had a low credit score. I had perfect credit until PNC Bank screwed it up by not knowing how to read a credit report. It finally went thru a loan modification department & I was told HELOC would be closed & converted to a signature loan @ 1 % until it was paid off & the lien would be removed from my house. I recently tried to re-fi my mortgage since my credit score has improved & the rates are low. When my bank ran my credit report, it showed the HELOC was still open & I had a {$57000.00} credit limit. After repeated phone calls to MANY people, I finally got a letter that stated the loan was closed. I gave that to my bank but now the title search shows PNC Bank still has a lien on my house. That lien will affect the rate I can get on my re-fi.
Consumer complaint received 2017-05-30
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. (OK)

Family Member ob tained loans fraudulently, has subsequently been  XXXX  and is   XXXX   a   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.
Consumer complaint received 2020-04-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

Company - NAVIENT Last payment made {$1200.00} ( Settled amount ) - XX/XX/2018 Navient is still reporting a high balance amount - {$5000.00} NAVIENT Continues to report my account as delinquent even after the loan has been settled to {$1200.00} and paid in full 2018.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I received a targeted promotion in XXXX, 2016. The offer code is XXXX, which is earn XXXX AAdvantage bonus miles if I open a Citigold account and with in 60 days complete : 1. XXXX qualifying bill payment for XXXX consecutive months 2. spend {$1000.00} in purchases using the Debit card I signed up for the account at the end of XXXX, but I did n't receive the debit card and pin until early XXXX. 
I had less that 30 days left to complete the XXXX requirements and it was impossible for me since XXXX of them ask for XXXX consecutive months. 
I chatted with the Citi online representative in late XXXX and was given until the end of XXXX to complete all the requirements. I did complete all the requirements in XXXX and I did the online chatting again, the representative confirmed about the extension and that I completed all the requirements in time and I will be rewarded automatically. 
Over 3 months have passed, there is still no bonus miles posted as promised. Citi wo n't acknowledge the extension I was given and insist I did n't complete all the requirements in XXXX. 
If Citi do n't correct this dishonest mistake upon this complaint : 1. I will pull all my money from Citi, which is over XXXX USD. 
2. I will write to the Citi Executive office. 
3. I will publish the story and all the evidences I saved to public media. 
4. I will write to the State senators ' offices. 
Please check the online chat log on XXXX XXXX. It will prove that I was given the extension until the end of XXXX to complete all requirements.
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech arbitrarily decided I had no homeowners ins. and added {$920.00} to my loan to acquire said ins. for me. I had homeowners ins. the whole time and sent several faxes to Ditech with proof. This added monies to my loan increased my house payment {$140.00} per month. I have called Ditech continuously with no results. I have paid the increased for 2 months now with the understanding that Ditech will report a late payment. I 'm given incorrect information continuously and assurances that they are " fixing the issue ''. To date Ditech as only called me back once, to ask me to pay my house payment.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (IL)

XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both   XXXX   and Equifax are refusing to remove this from my credit report.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

The Chase Freedom XXXX card was advertised as offering 5 % cash back on grocery store purchases for the first year. I saw this advertisement on my online Chase account in XX/XX/XXXX, and applied for that card. 

However, once I got the card and began using it for purchases, I noticed that I wasn't getting the 5 % back on grocery store purchases. I called Chase 's customer service twice - the first time on XX/XX/XXXX the agent said that they would internally investigate it- which could take XXXX business days. 
After not hearing back from Chase for XXXX week, I called back on XX/XX/XXXX. The second agent that I spoke to said that I was not qualified to get the 5 % grocery bonus, but could not explain why. 

If they had told me that I wasn't qualified for this promotion at the time that I applied for it, I might not have gotten this card. I also would not have used the card to purchase groceries thru XXXX XXXX, and would have instead used a different card that gave me better terms for those purchases. 
My complaint is that they bait & switched their promotional offer, arbitrarily not giving me the promotion without telling me about it in a timely manner, effectively getting me to use their card in the last XXXX months under false pretenses to charge hundreds of dollars of purchases. I lost money in the form of credit card points that I would have acquired if I had used XXXX of my other credit cards.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016 CITIBANK STATED IN WRITING THAT I HAVE AN EXISTING CREDIT CARD ENDING IN XXXX FOR WHICH I FILED BANKRUPTCY OF WHICH IS FALSE, THEREFORE THEY REFUSE TO APPROVE ME OF A XXXX VISA CREDIT CARD. CITIBANK HAS FAILED TO PROVIDE PROOF THAT THIS CREDIT CARD EXISTS FOR WHICH I AM REQUESTING THATTHE BANK PROVIDE ME A COPY OF THE ACTUAL CARD AND ANY BANK STATEMENTS RELATED TO THIS ACCOUNT. 
IF CITIBANK CAN NOT PROVIDE ME THE PROOF I AM REQUESTING THEN THEY BASCIALLY LIED BY PROVIDING FALSE INFORMATION IN A WRITTEN LETTER THAT THEY SENT TO ME WHICH IS TOTALLY UNLAWFUL.
Consumer complaint received 2018-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018 I agreed to purchase two tickets to a XXXX XXXX game for {$250.00} total. The seller said he banked at Wells Fargo and preferred to use XXXX. I did not know anything about XXXX so I logged into my Wells Fargo app and XXXX showed as an option. I assumed there was purchase protection because it was endorsed by my bank and as the buyer stated, why would I use my bank account to do a fraudulent purchase? ". I transferred the money and never received the tickets and the person never returned calls. I immediately called my bank to try to cancel the transaction, they said that they had already sent it and I could not cancel. They said unfortunately because you authorized the purchase there is nothing we can do. There is no use in filing a report with our fraud department. He said I could file a police report if I wished to. If a bank is sending money to another bank, they would have that information. Wells Fargo refused to help.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

I pay my loans through a service called Nelnet. I changed my repayment plan and it was initially processed in XXXX 2016. Since XXXX, Nelnet has made mistakes with how my repayment plan was processed on each group of my loans. Due to this issue, my payments have been incorrect every single month. I received no notice from Nelnet in the changes to my repayment plan processing, only the monthly statement notices. Each time I speak to a customer service representative ( at least once a month ) to ask why my statement has changed, the story changes as to why my monthly payment has changed. Additionally, each month I am assured that the problem is rectified and that my repayment plan has been correctly processed only to find out that the information about my payment they give me is incorrect. This has negatively affected how I manage my bills every month and has made me feel that I am being taken advantage of by these loan collectors. I have had to ask for an apology from several employees and was never offered any consolation for how my loan repayment plan process was mishandled.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (FL)

Citicard has made countless errors with my account in the past year. They have double billed me, failed to get back to me when they promise to respond within 24 hours, they switched my account without asking me, they sent my cards in the wrong name and to the wrong addresses. They always have excuses but to this day, they have not corrected errors on my bill. I asked them to waive the {$85.00} annual fee, and they are very nasty about it, threatening me, instead of waiving it after all of the fines and fees they have cost me with their errors and incompetence. 
Please help.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (CA)

I disputed a {$240.00} double charge, and provided evidence of the mistake. After a month long investigation, Citi bank credited me {$9.00}. No explanation why, and when I call they told me they could not reveal how they got to that number. Not using them any more
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

Prior to Navient splitting off and while dealing with XXXX XXXX I was continually subjected to hard tactics by XXXX XXXX. My loan was put into forbearance multiple times and whenever I would get back on track, of course all kinds of additional fees, charges, penalties, taxes, etc. were tacked on - to the point where my CURRENT balance is almost DOUBLE what I actually borrowed. I 'm paying and have not missed a payment in several years. My lowest balance loans should be paid off later this year. My other loans will take some time. 

The amount I borrowed was {$17000.00}. My outstanding balance is {$34000.00}. 

I realize that I took out a loan and I am responsible for paying back that loan AND I FULLY INTEND TO, but the amount of fees, charges etc., taxes, interest, etc. amounts to nothing more than racketeering and extortion. 

I am currently using IBRP and am happy with what I currently pay - in fact, I 'm paying a little extra when and if I can to chip away at my balance. I 've employed the XXXX XXXX " Debt Snowball '' in paying off my husband 's and now my student loans. I do n't want my payments to change - but I think the total amount owed is extortion. 

Oddly enough, I filed for a Borrower 's Defense in late XXXX hoping to get part of my balance discharged and I have not yet heard the results of that.
Consumer complaint received 2015-10-25
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

Can not login to my Citi Bank Credit card account. I receive the following error Displayed on my PC screen ; An error occurred during a connection to online.citi.com. SSL received a record with an incorrect Message Authentication Code. ( Error code : ssl_error_bad_mac_read ) The page you are trying to view can not be shown because the authenticity of the received data could not be verified. 
Please contact the website owners to inform them of this problem.
Consumer complaint received 2016-09-17
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (PA)

I called the phone number to activate the card. It prompted me to enter a pin. I entered the pin. When it prompted me to confirm the pin, the line went quiet. The message said it was unable to activate the card. I called back and had the exact same experience. My phone had full bars for reception. Citi is making it very hard or impossible to activate their card. The activation phone number is XXXX. This is a prepaid debit card issued by Citi on behalf of XXXX XXXX.
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

I have had an ongoing problem with Seterus Mortgage Servicer since XX/XX/XXXX regarding my escrow account, however XX/XX/XXXX, there was an error made in which to company attempted to charge me XXXX monthy for my mortgage, ( I have the letter ). Now after several months of going back and forth with misapplied payments and ultimately another escrow done XX/XX/XXXX, the error was corrected and my payment lowered from the real amount of XXXX to XXXX. I went to review my XX/XX/XXXX escrow again, it is not available for download, nor are any of my monthly statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX so I can verify the escrow amount during these times. 
This is an essential function and my understanding the law that these documents made available to me in a functional manner. I have consistently had problems with this company and any documentation. I do not want to have to consistently have to contact CFPB, XXXX or any other entity just to get my statements or escrow. 
I believe there to be a further issue but I am not sure of that at this time, it will require further review and may be something I have to cure, but I can not do that without the timely delivery of my documents. 

Thank you for your time,