davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX, XXXX XXXX disbursed {$16000.00} of a private student loan with them so I could pay tuition/room/board at XXXX XXXX. 

After six years of being a student, unemployed and/or underemployed, I 'd missed enough of my {$300.00} a month payments they were in danger of default. 

Exactly what they are being sued for in PA is what they did to me. 

They called all day, every hour of the day, multiple times a day, even when I was working or in school, my mom too because she cosigned. They threatened and harassed us until I agreed to a forbearance. 

Rather than allow me to lower my payments to more realistically match my income, through an IBR, or ICR, XXXX XXXX pushed me to do a forbearance and explained it as my only option. 

XX/XX/XXXX my forbearance was approved. 

I eventually got a better paying job and was able to make payments, but {$13000.00} in payments on a {$16000.00} debt somehow left me with {$25000.00} in principal and interest still left to pay??? This is as of XX/XX/XXXX Private student loans should n't be allowed at 11 % interest rates and XXXX XXXX/Navient is being rightfully sued for denying struggling borrowers any option except for the one that guarantees XXXX XXXX the most money. 

Federal student loan borrowers should n't be the only ones protected. 

I paid off my federal student loans first because they were smaller. 

I did n't understand the difference when I was XXXX, nor did I even sign any of the paperwork at all, it was all " done for me '' by my equally clueless mother who I should not have trusted with my financial future. 

XXXX XXXX raised tuition 25 % every year I was in school, I could n't even afford to finish. 

I ca n't imagine how much worse other students have it now, who took the plunge and financed all 4 years of school. 

I even worked every summer, XXXX XXXX XXXX XXXX XXXX 80 hours a week, and the checks were still just a drop in the bucket. 

Living expenses and college are way too much, especially in California, and XXXX XXXX took advantage of students with their predatory lending practices. 

Students be warned, take your business else where. Do not sign anything with XXXX XXXX/Navient!!
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Throughout the last month, Chase Bank has been re-ordering all debits in order to maximize overdraft fees. For example, on XXXX XXXX on my statement, Chase charged me {$68.00} for two overdraft fees totaling XXXX dollars buy putting a {$75.00} check ahead of these, where it should have charged only one fee at {$34.00}, as there were sufficient funds to cover the aforementioned smaller debits. This practice is frustrating. For someone who is living pay check to pay check, Chase is extracting hundreds of dollars in fees. This is usury and it should be stopped.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

My name is XXXX. I am filling a complaint about Bayview Loan Services Mortgage Company, XXXX FL. I am a home owner in XXXX, PA. Bayview bought out a loan from XXXX XXXX XXXX , in which I was in compliance with them about a modification that was offered to me. I started questioning this company about how they wanted me to submit my payments. I discussed with them linking up my checking account to take out payments each month which they agreed to but it NEVER happened. I had a contact person in which they kept giving me the run around. And now they are stating that I am two month behind. I did all the paperwork and have all my receipts. I have called numerous times and do n't want to fall anymore behind with payments due to late fees. I also have a gut feeling this company may be a fraud.
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (TX)

Dear Sir or Madam, I would like to submit a formal grievance against BMW Financial Services as it pertains to the timely payment of my auto loan. 

I financed a new car through BMW Financial Services on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I received an email from BMW which welcomed me back to their company, and suggested that I sign-up for paperless billing statements, and re-enroll in easy pay ( automated ACH drafts ). I did both. I also changed my billing date from the XXXX of the month to the XXXX of the month. BMW allows you to change your billing date 3 times throughout the life of the loan. Confirmation of my easy pay enrollment, and billing date change are attached to this grievance. 

BMW sent me an email on XXXX XXXX, notifying me that my account was past due, but instructed me to ignore the email if I had made payment arrangements. In my mind, payment arrangements were made, because I changed my billing date to the XXXX. 

On XXXX XXXX, XXXX I received another email from BMW requesting that I contact them immediately about the past due balance of my bill. I spoke to XXXX and then escalated my call to a manager named XXXX. 

The agents informed me that I was indeed delinquent on my account, and needed to make a payment that day in order to avoid a late charge. I tried to explain to the agents that the automated IVR system explained to me that a payment would be drafted XXXX XXXX. According to them, my payment was due on XXXX XXXX. 

Here is my complaint : regardless of whether or not my payment was due XXXX XXXX, or XXXX XXXX, because I was enrolled in auto-pay, BMW holds the responsibility to debit my account on the due date. BMW failed to do this, therefore my account became delinquent, and had I not intervened, a late charge would have been imposed. 

At best, BMW has created a poor customer experience. At worst BMW has engaged in illegal activities as stated in sections 1031 and 1036 of the Consumer Financial Protection Act which prohibits a covered person or service provider from engaging in any unfair, deceptive or abusive act or practice. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ). 

The activity is unfair because the late charge could not have been reasonably avoided even though I was enrolled in auto-pay 36 days before the payment due date. 

The activity is deceptive because I received conflicting information from BMW regarding auto-pay and changing my billing due date. If I am enrolled in auto pay, payment should have been attempted on the due date. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I paid off a credi card within the allowed time. I was then charged interest after the card was paid off. I called the the Bank which refused to remove the interest change even thought the account had been paid off by the date their were charding interest.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC (IN)

XXXX XXXX hired XXXX XXXX XXXX, to collection on a debt that I allegedly owe for {$1100.00}. At this time XXXX XXXX XXXX and I have been unable to come up with an agreement on the account. 

Respectfully, XXXX XXXX XXXX has hired Asset Recovery Solutions LLC to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with Asset Recovery Solutions for $ XXXX- Asset Recover Solutions declined to accept my offer 2- XX/XX/XXXX, I  spoke with Asset Recovery Solutions and XXXX XXXX @ ext XXXX XXXX Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of Asset recovery then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}.
I wish for Asset Recovery to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (KY)

This debt collector has called my family members not listed on the debt to discuss amounts/payment arrangements/when the last time the account was paid, etc. Private information was shared with someone not listed on the account in question. Repeated phone calls have come to my phone multiple times per day. In addition, this collector has contacted my work ( I 'm a school teacher ) and has called my classroom during school hours. Their tactics are increasing even though payment has been submitted via mail. They have been asked to stop, however, more calls have been received since.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (NV)

Hello my name is XXXX XXXX i have been contacting a company that shows up on my credit report as Financial credit Network inc.this company claims that i had a gas bill of some sort in XXXX with XXXX XXXX gas company i called XXXX XXXX gas to inquer about this account they had no knowledge of account they said to contact colection agency collection agency claims date if first delinquncy isXXXX original balance due was $ XXXX then it states that date of last payment wasXXXX well i have told them many times to please show me proof of this payment i NEVER made a payment to them because # 1 i never had any knowledge of this account i have never had a gas stove in my life # 2i never was contacted by anuy one regarding this to make a payment they refuse to tell  me how payment was made or show me original account address 1 day i had a lady accidently tell me then she realized i guess she was not supposed to tell me of some address on XXXX XXXX on XXXX XXXX i have never lived on that street in XXXX XXXX.they claim balance is zero they tell me to just wait it will come off my report well i do n't want to wait because its not my account please please i beg you to help me in this matter all i have is a partial acct # XXXX please help me to remove this thank you i have gotten no where i would never just bother you guys i have spent weeks and weeks trying to resolve this they seem to think because my balance is showing zero its ok and its not affecting me whether it is or not is not the point its not mine i dont believe its fair that its on my report i work very hard and pay my bills on time as i always have i have no other negative accounts nor have i ever why would i not pat a XXXX dollar gas bill i have spent more in stamps disputing it then then the actual bill please you guys are my last resort please help me and send me results to my reporting credit agency there is only1 reporting this XXXX thats it thats all my email is XXXXXXXXXXXX
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (OR)

I just received a notice in the mail ( XXXX-17 ) that my Chase credit card 's terms are changing. Specifically my interest rate is being increased from a moderate, but not entirely unreasonable ~10.9 % APR to 15.75 % APR. They did not provide what I consider to be a valid reason for the change. This was not based upon missing payments, nor upon credit history, or any other of what I would consider to be " reasonable '' justifications. 

Their sole justification effectively boiled down to " we 're not charging you a high enough interest rate, so we 're increasing your rate by ~50 %. '' In the more 'legalese ' verbiage of the notice, the only justification for this outrageous increase is " ... because your APRs are below the lowest APRs we currently offer on similar accounts. '' To me, this is simply them saying, " we 're not over-charging you to the same extent we 've managed to over-charge everyone else through our methodical long-term upward APR creep, so, we 're simply adding an extra 50 % to your APR, welcome to the club. '' Sure, they say that you can " reject the change, '' but if you do so, the only recourse listed is to " notify them in writing and then stop using and close the account. '' To me this is quite unacceptable. I 've had this account for years. Probably a decade even. They inherited it from Washington Mutual. And, up until now, they have never seemingly had a single problem with my account resting at 10 %, and taking their pound of flesh, so-to-speak. So, why, all of a sudden is a rate closer to what I would call a " penalty interest rate '' apparently the " lowest they 're willing to go ''? 

In my opinion, an un-telegraphed 50 % increase in APR, with no justification other than " we want more money, '' is simply nonsensical. 

And, for reference, my card at a competing " too big to fail '' institution is only 8.90 %, and has been equally stable for approximately a decade. Chase has always charged a higher rate with a lower spending cap than the equivalent larger cap and lower interest rate. Now, they seem intent to charge DOUBLE what I 'm paying at the other institution. To me that says, it 's not me that 's the problem, it 's them. Pure and simple.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I received a denial for loan modification today and was also not allowed to resume payments through that process. I was placed into a modification for XXXX 2017 until XX/XX/XXXX. I included in my hardship letter I was forced to retire and I was waiting for my income to kick back in and needed a foreberance for at least 6 months. Ive been maintaing the upkeep of my house and have lived here for 39 years raising my son. I was told that even if I submit a second request appeal they would still deny reinstatement to make monthly payments. They have now included foreclosure attorney fees which I dont feel should have been added because Ive explained my hardship, when I could resume making payments and that I dont want my son or myself to become homeless by losing my family home. There was money sent in XXXX 2017 towards the monthly payment but it was returned because I was {$230.00} short of monthly payment. I was soon able to send the rest but my file was then sent to a foreclosure attorney.
Consumer complaint received 2017-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I called Navient in order to apply for a income based deferment on the loans that they are servicing. While on the phone I inquired about the Public Service Forgiveness programs offered by the government. The agent on the line started asking me a serious of verification questions and the next thing I know I am getting an email stating that my FSA ID password had been reset. As things continued she then informed that there is a {$690.00} fee to enter into the program. Which I know to not be true as the program is free to enter for those that qualify. The agent had told me she was checking in the Fed database to see what my loan amounts were and what my payments in that program would be, but she never told me that she was resetting my actual account password so that she could enter my account. Now she continues to call me at all hours of the day trying to get me to apply for he program through Navient.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with Equifax as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on Equifax and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called XXXX immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me XXXX after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, XXXX separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over XXXX points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards XXXX which I had no problems previously XXXX and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that XXXX should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, I applied online for Barclaycard Visa with XXXX XXXX card with a {$3000.00} credit line. Status provided at end of application process : " We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. '' The Company never contacted me to convey their decision ( declined ). 

In XXXX, I learned that the application had been declined via www.barclaycardus.com. Status provided at that time : " Unfortunately, we are unable to offer you the Barclaycard Visa with XXXX Rewards. A letter with additional information will be mailed to you within the next 7-10 days. '' I have received no such letter from the Company - or any communication in any form - through XX/XX/XXXX. 

Part and parcel to this transaction, the Company : A ) failed to communicate the results of their credit decision within 10 days ; and B ) failed to send a letter explaining why the application was declined. I believe this is in violation of the Equal Credit Opportunity Act. 

I appreciate the CFPB 's assistance in resolving this matter. Thank you.