davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have been applying to receive a lower monthly payment from Navient since late XX/XX/2016. I am on an income-based repayment plan, and the amount increased from {$180.00} to over {$400.00}, which I can not afford. I have submitted every document asked of me, and every letter asked of me, and done so quickly and responsibly. Every time I call to check in on my income-based repayment recalculation, I have to start the entire process over again as the employees are not taking notes and no one is updating anything in the system. Also ( and I hate to complain about this, but it is true ), every time I call there is a language barrier that makes things more difficult and slow-going. I get put on hold several times and not a single phone call has been shorter than 45 minutes. Finally, when I have submitted the documentation requested, they have taken several weeks to review what I have sent, and then denied the recalculation because the documents " expired '' in the meantime between submission and review. It is now almost XX/XX/XXXX, and no recalculation has been made, however, they just keep putting off my bill 's due date for the " inconvenience '' while my account continues to accrue interest. I am starting to believe that this is all a tactic to get me to give up and pay them the large monthly amount, which I can not do. This has been the most frustrating experience I have EVER had with a financial institution. This is a crooked company that does not care about it 's account holders ( most of which were assigned to them and never wanted to be their customers in the first place ). Navient clearly has horrible management skills and I feel incredibly sorry for the employees they 've hired overseas who have to deal with the brunt of all our frustration with this crooked establishment.
Consumer complaint received 2016-10-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not complied with California Civil Code 2924.17 ( a ) and ( b ). 
On XX/XX/2013 Bank of America approved MHA HAMP and MHA HAMP TPP. 
Bank of America caused to be recorded the NOD without ensuring all was accurate and complete and supported by competent and reliable evidence, and after substantiating borrower 's default and servicer 's right to foreclose. 
Also, just to correct a typo under CFPB complaint XXXX, the correct California Civil Code is 2923.55 ( f ), not 2924.55 ( f ) as stated.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OH)

I currently have all my student loans through Nelnet. They acquired them 5-6 years ago. When they initially acquired them from my previous loan holder they changed my repayment terms for my loans to 25 years with out my consent. I called them as soon as I noticed and told them I did n't authorize them to change in repayment term. They ended up setting up the loans as one set up a 10 year repayment and another set up as 15 year repayment. My payment was around XXXX a month. I have been repaying these loans for the 5 years. I have had to times when I went on 3 months of XXXX that I put the loans on forbearance for 3 months. Through this 5 year times they have tried to reset my loan repayment term to 25 years without my consent. I only notice when I call and ask what my repayment term is. Every time they supposedly tell me they put it back to the original repayment term. This just happened again and now I am being told that they can not put it back to original repayment term without my payment going up. Please help. I feel like I am being taken advantage by them and I am not sure what to do.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I had taken a series of loans to help pay for my XXXX from XXXX XXXX University. In XXXX XXXX, my husband and I were going through a very difficult financial period. We were in the process of selling our home ( to avoid the possibility of foreclosure ), as well as dealing with XXXX health issues related to our daughter. I called Navient and explained my situation asking for assistance as my student loan payment were approximately {$450.00} per month. The representative stated that while there were programs available that would reduce my monthly payments, if I could find a way to modify my budget and pay a bit more, I would actually qualify for a Federal Subsidy program. This program would require me to go on a Income Based Repayment plan, payments would have to be made on time every month for three years, I would have to set up auto withdrawal from a bank account, but, in return, I would get all of my interest back each of the three years of the program. Looking at an almost $ 50K loan, the idea of being able to save $ XXXX in three years definitely made it worthwhile. So, I picked up lots of extra work ( XXXX and XXXX - XXXX ) to make up the monthly difference. 
XXXX XXXX, XXXX ( the date I was told I would receive my first reimbursement check ) came and went with no reimbursement of the interest paid. When I called to inquire, I was told that research had to be done to find out why I had n't received the check. A few more months went by and still no response from Navient nor a check. Then another call to Navient, and again, research had t be done to find out why the check was never sent. 
Fast forward to XXXX XXXX. I was told to call back XXXX XXXX and they would have an answer as to why it I have n't received the check. Today is XXXX XXXX. I have been told that I will not be receiving any interest money back because it was part of my monthly payment. So, since I had been paying the interest all along, I am not entitled to receive any back. 
The Navient representative I initially spoke to in XXXX of XXXX point blank lied to me. He told me that by signing up for the higher payment on the IBR plan that I would receive all of the interest back. This is immoral, unethical, and downright fraudulent. I NEVER would have agreed to pay almost {$100.00} more per month were it not for the fact that I would have nearly $ 10K credited back to my loan. 
As Navient has already been cited for practices such as these, I want my experience added to the complaint. I am SO furious, and all the representative would say was, '' I 'm sorry, but there 's nothing I can do. '' Unbelievable.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We signed a purchase agreement XX/XX/2016, on a condo at XXXX XXXX, SC. For a few reasons, we applied for a mortgage with Bank of America. Our closing date was XXXX XXXX with a 10-day extension. We were assured that we should have no problem closing by that date. Even though the Home Services Specialist ( HSS ) who handled the application knew we were buying a beachfront condo, he did not aggressively pursue approval of the Condo Review Board until the very end of the process when that matter should have been addressed at the outset. As our closing date approached, we, our realtor, and our real estate lawyer tried to get specific answers regarding approval from the Condo Board and hence the mortgage. The HSS set XXXX different closing dates, with the final one on XXXX/XXXX/2016. The HSS would not return calls or e-mails or would promise to make calls that never came. At one point, he could not explain the condo issue to our realtor. He asked for documents which we supplied 2 or 3 times. Overall, he acted in an unprofessional fashion. Finally, on XXXX/XXXX/2016, our realtor forwarded an e-mail she received from the HSS telling her that the Condo Review Board had not approved the condo. As of XXXX/XXXX/2016, we have still not been informed verbally or in writing by the HSS or BOA that the mortgage was denied. Had the HSS and BOA been straightforward with us, we could have gone to another bank and probably closed the loan on time. We stayed in the process because the HSS gave us every indication that the mortgage ultimately would be approved. We and our realtor complained to the HSS 's supervisor only to have our phone and e-mail messages not returned. Because of the incompetence of the HSS, we nearly lost the condo.
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I believe I am XXXX of the debtors that Navient has " systematically and illegally '' failed. 
I have been paying back my student loans since 2010, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

XX/XX/XXXX, I was switching auto insurance companies. I had cancelled my insurance with XXXX, however they ran an unauthorized charge on my checking account. This thus led me to incur overdraft fees. After contacting US Bank, they explained to me that they would remove the charge and fees if XXXX reversed the charge. I called XXXX XXXX and asked them to reverse the charge, they stated they were n't able to do it electronically, but could issue a check. I called US Bank to confirm this was ok, the CSR stated it was fine, I would have to deposit the check into my US Bank account. After receiving the check, I deposited it immediately and called US Bank right after. The CSR I spoke to, stated they would reimburse the fees. A month or so later, I get a letter from US Bank stating my account was closed for having a negative balance, and that it was referred to collections. I called US Bank, and the manager I spoke to, his name was XXXX, stated they could n't do anything since the account was transferred to the collections agency and that I would have to speak to them. I explained to him that the charge was unauthorized, and that the payment had been returned. Again, he stated US Bank could not help me any longer. This is irritating because I am being hit with fees for a charge I did not authorize, and now my credit is in jeopardy.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. Transunion is always blocked by my anti-virus system when they try to transfer me to a malicious website and XXXX always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was given wrong information by XXXX XXXX XXXX on XX/XX/2015. I booked XXXX travel ticket with help of XXXX Agents to XXXX. Told the travel agent.at XXXX before I booked the tickets told them our situation, That just in case if we do not get the visa to XXXX can we get the full refund on the reservation. He told me yes if you cancel with in 72 hours before departure of the flight. Plus you are backed by XXXX XXXX, you should be good. Weeks later we did n't get the XXXX so I called to cancel the reservation. A month later I got my statement says that I owe XXXX {$8300.00} for no showing up to travel. Now how can it be now show when I had canceled the reservation. XXXX told me they had re booked my flight for a different day.I told them how can I travel when I did n't have the XXXX to travel. Plus you never notified me any way of the changes. Until today they have no answer for that. I have attached the copy of the reservation and cancellation. This company had given me the run around with no clear answer.Now there trying to ruin my credit by sending to collection.
Consumer complaint received 2016-12-15
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Auto Trakk, LLC (NC)

I contacted AutoTrakk LLC about an account being reported on my Credit File. The direct dispute was received on XXXX XXXX, 2016. On XXXX XXXX, 2016 AutoTrakk responded with a very vague reply stating that the file was verified by them, which is not adequate information for the direct dispute to be considered responded and verified. There was no supporting documentation and the dispute, as far as I am concerned was not resolved by the lack of information provided by the firm. As a result, I am more than sure that the account must be removed from my credit file and the company must cease collection attempts. In addition, when AutoTrakk initiated the repossession process, they did not follow NC state laws and send notification of intent to sale along with the location and other pertinent information about the sale of the vehicle along with deficiency information. Which makes the deficiency balance void.
Consumer complaint received 2016-10-25
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ZARVAD III S.A. (TX)

I made a loan with MyPayDayLoan.com. Shortly after making the loan, I was not able to repay the scheduled payments. I have a tax lien filed against me, and my pay has has been garnished. In the process of trying to make a repayment plan through a debt counseling company, they refuse to work with them. Meanwhile they call me numerous times per day and at least one email each day trying to collect. I have attached two of their most recent emails for your review. One, I consider to be threatening as they claimed to have reported my bad check to Contribution, a service of SCAN??? I never sent them a check in any form. My complaint is ... They refuse to work with XXXX XXXX XXXX to receive payments. XXXX is not a debt settlement company. I made arrangements with XXXX to repay the entire amount of the loan.
Consumer complaint received 2017-01-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

This is a junk debt. Originally debt was with XXXX XXXX XXXX. Made payments from XX/XX/XXXX till XX/XX/XXXX. Midland Funding bought my debt. I called them and they would give me no detail since the debit is currently being handled by there attorneys. Call XXXX XXXX XXXX they have never heard of me nor can they give me any detail on my account from XX/XX/XXXX. I am writing letters like a mad lady to dispute the court records of {$1900.00}. I only owe XXXX approximately {$350.00}. I have my credit union printing out a report of all payments made since XX/XX/XXXX to XXXX XXXX XXXX. They have filed a judgement against me in XXXX Municipal court which I am following up with letters and asking to meeting with a judge. Midland Funding, or there group of attornies, also contacted my old mortgage company with a subpoena to collect my banking information. This is illegal but of course my old mortgage company said they " had '' to give them the detail, and this is a inaccurate statement.
Consumer complaint received 2017-01-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is negligent in providing concise and accurate information. There are missing statements, no mention of all the numerous calls and letter writing I have made in an attempt to clear up my account. Funds that should have been applied to the loan were applied to late charges. One was corrected 30 days later, after I called and explained the additional funds were to be applied to my new payment amount. 
In XX/XX/XXXX I contacted Wells Fargo requesting assistance with lowering my interest rate or forgiving my second. I received conflicting information ; from there is nothing that can be done, to stop making payments to qualify for a loan modification to : " since you do not have a XXXX or XXXX XXXX loan, there is no relief we can offer you. '' I chose to request a Loan Modification and stopped making payments to qualify. I felt this was my only option. Like so many consumers, I did not understand who XXXX or XXXX XXXX was or what the ownership of my loan had to do with helping me. 

I made my XX/XX/XXXX payment and then stopped, per Wells Fargo instructions. I was informed I had to miss 3 payments before I could apply for a loan modification. During this time I received no calls or letters. I kept calling and asking for guidance and help. Not until XX/XX/XXXX, did I receive a notice that my Loan Modification was approved. Again, no notices or calls. The last monthly statement I received was XX/XX/XXXX. In order to keep my home I worked so hard for, I signed a Loan Modification agreement that I did not understand. I was not aware that the 11 payments missed from XX/XX/XXXX were added as a second mortgage frozen with a balloon payment due in XX/XX/XXXX, or that my HELOC was added to my first. I have asked repeatedly for this documentation, but have not received anything. I was not aware of my HELOC being added to my first and of the new second, until XXXX XXXX reviewed my account. 

How any consumer is to understand this web of an agreement is deceptive and goes against the Statement Wells Fargo claims as to being a responsible lender. To make the situation even more confusing, my tax-impound account kept changing my payment. They would decrease with a refund and then increase with a shortage. If there is extra funds in the account, why would n't it be applied to reducing my principal?
Consumer complaint received 2017-01-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (NC)

XXXX XXXX reported to the credit bureaus that I had an unpaid balance of {$290.00}. The balance should have been covered with by my health insurance company. I ended up switching jobs during the billing cycle, but I maintained health insurance the entire time. Nonetheless, I called them and the error was corrected and they said that I did not owe any money. They said they will have it removed from my credit reports. About 2 weeks later, I get a call stating my insurance did not cover it all and that left a balance of {$57.00}, I said okay, Remove the old amount of {$290.00} and I will pay the {$57.00} once it had been removed..A week or so after I spoke with them about the {$57.00}, It reported to my credit reports. So now i have XXXX collections on my credit report and it dropped my score significantly. I am in the process of trying to buy a home and this is conflicting with my pre approval from the bank. THey told me at XXXX XXXX that it should only take about two weeks to have it removed from my credit reports, but I have yet to see that happen.
Consumer complaint received 2017-01-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Offices Howard Lee Schiff, P.C. (CT)

XXXX XXXX commenced a lawsuit through the Law Offices of Howard Lee Schiff. P.C [ Schiff Law Office ]. in XXXX XXXX to collect a debt that had already been paid. XXXX XXXX 's law firm obtained a judgment improperly and executed on my bank accounts. When later presented with the proof by my attorney that payment on the balance had been made 2 years previously in connection with a home loan refinance, XXXX XXXX and the Schiff Law Office ignored the efforts to reach a resolution of the claim.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Roycroft Management (CA)

A man from a company he calls Central Mediation Services contacted me regarding a debt that is over {$2000.00}. He asked me to set up payments of {$100.00} on a biweekly basis. I did, because I do have unpaid debt and I thought it was one of those accounts. He told me he could not give me information on the original account holder. However, he stated I would receive an email document with information regarding this debt. I never received it. I have complied with my payments. I called today, XX/XX/2017, to ask for a change of date on my payment due to a low paycheck I will be receiving this pay period. He became abusive because I sniffled on the phone when he said I had to make a larger payment than I could afford. He said I had to come up with the money somehow. I said fine, and he said he would add the remaining amount of my payment from one week from today only if I gave a payment I could n't afford this pay period. I said fine, I may just have to sell an item from my house or something to come up with the payment. At that point he said, " Do n't come up with this sob story about selling something from my house. I will not move your payment. You got yourself into this situation so now you have to deal with it. '' I said " I 'm sorry I did n't mean to come across that way. '' He raised his voice and started saying, " Where do you live, in Southern California? Is that how it is down there with you people. '' I said, " You do n't need to be rude. Fine, I will figure out how to give my payment this pay period. '' And he said, " I 'm not being rude you people get into this mess and you think you can cry and fix it. '' I said, " Fine I will be recording this conversation. Please send me documentation to verify this account so I know who you are and who I am sending my payment to. '' He said, " I will, to your email address, XXXX '' I said yes, " i would like to share that information with my attorney. '' he said, " do n't threaten me with an attorney and yes i will send your documentation. ' i have not received this documentation and I am concerned about the abusive language he used. I feel uncomfortable and do n't know who I am sending my payment to. He said " this is restitution to avoid a Court proceeding and you made an agreement. '' I am concerned that if I do n't send a payment they will send me to Court. But I do n't know if this is a valid debt and I am really worried about the language used in the phone call -- it does n't seem to be coming from a legitimate source. I can not afford an attorney. Can you please help me?