davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

1. I applied for consolidation with Navient on XX/XX/XXXX. In the instructions for completing loan application and the Loan Application and Promissory, it explicitly states : under Borrower Understandings, Certifications, and Authorizations that " applying for a Direct Consolidation Loan and The U.S. Dept. of Education ( ED ) will provide me with the deadline by which I must notify ED if I want to cancel the Direct Consolidation Loan '' I was never notified of the deadline, Navient can not provide me with a copy of this notice. This has been going on for over two years. To further support, I have copies of letters from Navient to me stating " we are please to have been selected by the US Dept. of Education to service your student loans. '' The loans are listed with interest rates but the new interest rate is not specified, nor are the words loan consolidation. These letters are dated XX/XX/XXXX, the same date as the Consolidation Application. Then, 2. Also dated XX/XX/XXXX, I get a letter regarding repayment options, there is no Revised Pay as you Earn ( REPAYE ) offered in that letter. 
3. In a letter from Navient on XX/XX/XXXX, they make several allegations that do not comply with their own documentation. They say I had 10 days to cancel the Loan Summary Letter. There is no 10 day cancellation notification in this or any other letter dated XX/XX/XXXX because there is no letter on that date. Letters were dated XX/XX/XXXX and make no mention of cancellation or he new interest rate. 
4. Within months of the consolidation, the amount of the loan ballooned from {$48000.00} to over {$60000.00} and Navient laughed over the phone and couldn't explain why. 
To recap 1. Navient consolidated the loans without my permission and they repeatedly lied about documentation notifying me of cancellation. I have documentation to back everything up.

2. They never offered the REPAYE. And they lied about dates it was offered.

3. They refused to unconsolidate the loans and pretty much said there was nothing they could do.

4. They can not explain the exhorbitant interest rates applied to the loan that increased the debt by {$12000.00} in a matter of months 5. It has been 2-1/2 years and I am still looking for answers. I have exhausted and tried all avenues and no matter what I say, do or show, logic and common sense does not seem to prevail.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (TX)

I applied for deferment and was under the impression it was filled out correctly. I was never notified and when I realized my credit had been hit 28 times in 7 months, I reached out to them and started making payments. XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2018-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (OH)

I spoke with XXXX in collections for XXXX XXXX account. I explained that I have been going through financial difficulties and wanted to start paying {$25.00} dollar installments. She told me that it was not enough and began to get belligerent. She said needed pay {$100.00}. Then in a fast conman way asked for my debit card number or checking information. When I would not give the information she said she would note the account refusal to pay. I said I am not refusing to pay you refused the amount I am willing to pay. She was so rude, I asked for a supervisor. She placed me on hold and XXXX XXXX answered. I described the conversation and asked if that is how they train their representatives. He hung up on me. I called back and couldnt get through. The call was recorded between XX/XX/2018. The call began at XXXX XXXX and lasted approximately 7 minutes total. Please request a copy of the recorded call which will corroborate the fact she refused my payment. The call was recorded ; we were on a recorded call- that is how XXXX started the conversation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/18 I accessed my Amex Account online to use thier membership rewards points ( their rewards program ). When I went to use them I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I had no idea what this actrually meant beyond I couldnt complete it online, so I called Amex on the phone to figure it out. The lady on the phone said she could complete the transaction ( trasnferring MR to XXXX XXXX   ), but when she tried, she got the same message. I then had to call a different department to find out what this actually means and the other department and no one on the phone was able to assist me. They said it a freeze of MY points, it was something at the corporate level and they were reviewing my account and there was a PO box that I coudl write to. No one could tell me why, what caused this, how it could be resolved, other than writing a letter to a PO box . that is not acceptable. I have paid my Amex bills, on time, in full, for years.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (NY)

I received a prepaid Visa  card from XXXX XXXX XXXX as part of a rebate offer for the purchase of contact lenses. The card amount was {$130.00}. The lenses were purchased in XX/XX/2018, and I believe I received the card within a few weeks of submitting my request through their website. The card came with an expiration date of XX/XX/18. I failed to activate the card before the expiration date. Two weeks ago, I started trying to contact XXXX XXXX XXXX to get them to reissue the card. Per the fee schedule listed on the letter that the card came with, my hope was that they would issue a new card with a total amount of {$110.00} ( original value of card, minus the {$6.00} plastic replacement fee and $ XXXX/month card account maintenance fee ). However, when I called the customer service number on the back of the card ( XXXX ), and finally was able to speak with someone ( it took me two times of navigating through their answering system ), they informed me that I needed to call XXXX because they were not responsible for that card. When I called that number, I was told they also did not deal with these card issues and that I needed to call the number on the back of the card ( ie the first number I called ). I next called the customer service number for the issuing bank XXXX ( XXXX ). It took me two separate calls to reach a person who could speak with me. That individual informed me that I needed to call Black Hawk at XXXX. When I called this line, the automated answering service provided no options for addressing my issue. I entered my card number when prompted, and the service stated that there was no information for my card. In reviewing XXXX XXXX XXXX and Black Hawk online, I found multiple complaints from other individuals about having difficultly retrieving their rebate funds, activating their cards and/or using their funds.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX  XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Federal Trade Commission and XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX, File # : XXXX FROM : XXXX XXXX XXXX, Consumer RE : CASE NUMBERS BELOW WITH CFPB Case Number Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   Summary Chronology of My Complaint Against XXXX XXXX XXXX XXXXXX/XX/XXXX, my husband passed.

XX/XX/XXXX, my account with XXXX XXXX/Capitol One became delinquent, I engaged an attorney to file bankruptcy, XX/XX/XXXX, I changed my mind and decided to handle the delinquent credit on my own,XX/XX/XXXX, XXXX XXXX/Capitol One, SOLD my account to XXXX XXXX XXXX, XX/XX/XXXX, I negotiated verbally with, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ( 2 Names, Same Company ), to pay {$250.00}. per month toward {$22000.00}, until the balance was paid off. XXXX XXXX XXXX, 2 NAMES, SAME COMPANY, deducted {$250.00}. every month from my XXXX XXXX XXXX  account, beginning XX/XX/XXXX. I made the first payment by check XX/XX/XXXX, for {$250.00}. ( I have sent you those records ). XXXX XXXX XXXX XXXX, 2 names, same company has deducted payments of {$250.00}. for 52 months, 4 years and 4 months to date, totaling {$13000.00}. toward. {$22000.00}. My balance with XXXX XXXX XXXX, should be {$9100.00}, but they have indicated a balance of {$19000.00} I did not know the following law : California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.

Consumer Debt in California Debt Collection, Settlement, Regulations XXXX XXXX XXXX  I would not complain except, XXXX XXXX XXXX , 2 names, same company, has not given me credit for all of the payments I have made, which total, {$13000.00}, and they have CHANGED the amount I agreed to pay with their representative, XXXX, from {$22000.00} to a higher amount of {$26000.00} with interest, climbing at one time to {$26000.00} with interest. They have also CHANGED their reporting to the 3 Credit Agencies by dropping their name of XXXX XXXX and the beginning date of XX/XX/XXXX for this account, with all of the consistent monthly payments I have made, and they began reporting XX/XX/XXXX under the name of the Bureau ONLY, with a new beginning date of XX/XX/XXXX for the charge off as if this is a new account. It is not. My account with XXXX XXXX XXXX XXXX, began in XX/XX/XXXX, under XXXX XXXX and it continues to date. They, XXXX XXXX XXXX XXXX, 2 names, same company, continue to deduct {$250.00}. from my bank account to date, 4 years and 4 months, beginning XX/XX/XXXX to date for the same one account.
Consumer complaint received 2018-07-04
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: Experian Information Solutions Inc. (TX)

Experian has shown a deletion before dispute of what may be my social security number. They show the last four digits. They also refuse to remove a fraudulent address. In addition, within the last year they have fictious information saying a business named XXXX XXXX pertains to address of mine which is fraudulent.
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (WA)

My Hyundai lease expired XX/XX/18 and I bought the car at the end of the lease. Hyundai charged me a {$400.00} disposition fee when I purchased the car but told me they would refund it and to expect a check in the mail. I did receive the check in the mail for a refund of the {$400.00}. Shortly after I received an invoice for {$400.00} from Hyundai for a disposition fee. I called them to tell them to clear it up and they told me they had no way of communicating with the Hyundai dealership to verify that I purchased the car. I told them that this was a customer service fail and they needed to fix it on their end and they refused. I also now realized that I am being charged interest on the {$400.00} since they rolled it into the new loan for the purchase. I am sure most people just pay the fee again and don't question it. This is a fee that I have paid once, have had refunded to me, and is now trying to be collected again. Do not just pay this without questioning it.
Consumer complaint received 2018-07-02
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: Experian Information Solutions Inc. (WI)

I was notified of a collections on my account. I did not recognize this company and never received a bill from that company. I tried calling the number listed and it came up to a voicemail called " XXXX '' and I was not able to leave a message. I filed a report with Experian and they got back saying the information is accurate and gave me no new information on this supposed collections. I have no way to contact this company who is trying to collect on me on something that I have absolutely NO record of!
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

XXXX XXXX XXXX has been contacted by myself numerous times about a bill for XXXX phone service. This is not my account and I have tried getting it removed from my credit report. The balance is XXXX. I have no knowledge of this account
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX County in XX/XX/2017. I have made multiple attempt to contact XXXX XXXX and have made multiple attempts to retrieve information from XXXX XXXX   in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at XXXXXXXX XXXX, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. XXXXXXXX XXXX has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

XXXX XXXX has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact XXXXXXXX XXXX   to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with XXXX XXXX indicating that I should not be held accountable for the loan. XXXX XXXX may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to XXXX XXXX negligence in this matter my reputation has also been damaged. XXXX XXXX performance deficiency has caused additional damage.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX XXXX. somehow indicated a debt on my account. I called HSBC at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and HSBC and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. XXXX XXXX   say my payments were 120 days late and this isnt true. I have been disputing this for over a year now even XXXXXXXX XXXX  got involved and they wont budge. There was a natural disaster in XX/XX/XXXX. The rep then told me I would be on deferment until XXXX. He never notated and it caused problems. I didnt find out until XX/XX/XXXX and it made it look bad on my credit. XXXX I was attending XXXX XXXX online and withdrew in XXXX due to not having enough funds. I should have been on in in school deferment for those months yet the school forgot to report it. This is outrageous and I just want this to get cleared up with all credit beauraus. With XXXX it shows natural disaster and deferment. As of now Im on a XXXX repayment plan. Pleas help me fix this
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company (WI)

I recently received a certified letter containing a Notice to Occupant of Pending Acquisition from XXXX XXXX XXXX. I do not reside in the property. This is the only document that I have received over the last year informing me of this matter with the exception of the legal foreclosure documents filed with XXXX   County in XXXX of 2017. I have made multiple attempt to contact Freedom Mortgage and have made multiple attempts to retrieve information from Freedom Mortgage in order to clear my name of this outstanding debt. Over the last year, I have talked to multiple Customer Service Representatives and have had to explain this story over and over again. I have been denied multiple requests to talk to an individual in management. I have been given multiple different stories/ scenarios about my liability and my association to the loan attached to this property. According to the Fair Credit Reporting Act : I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. 

Additionally, I have been told that I would receive phone calls from Management at Freedom Mortgage, have been assigned multiple single points of contact, and still have not been able to get a straight answer or any type of assistance in this matter. Freedom Mortgage has denied my request to have all documents associated with this loan/ property sent to me and the customer service representative indicated that this wasnt possible and in similar situations that other spouse didnt worry about situations similar to this. 

Freedom Mortgage has failed to keep me informed and has acted in a negligent manner. Due to this negligence and failure to provide me with documentation about the status of the loan over the last year outside of the Foreclosure Notice, I am requesting that all they remove all negative reports to my credit status immediately. Additionally, after months of attempts to contact Freedom Mortgage to retrieve this information and talk to a representative that could provide me with accurate information I have been falsely informed by several Customer Care Representative employed with Freedom Mortgage indicating that I should not be held accountable for the loan. Freedom Mortgage may be considered a major financial institution should be held accountable for unfair practices, miss informing customers, and refusing to keep accountable parties informed. Due to Freedom Mortgages negligence in this matter my reputation has also been damaged. Freedom Mortgages performance deficiency has caused additional damage.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (VA)

Company is using an automated system to call 4-8 times per day and doesn't leave a message. When I called back and asked why they would call me this many times I was asked the following : " Are you having a bad dayyyyyyyy? '' " Aww, who hurt you? '' " You sound troubled '' When asked to speak with a supervisor I was told 3 times unfortunately no one was available. 

When I asked to be taken off any kind of automated system they hung up on me. 

When I told them this debt wasn't real and I'd already tried Names : XXXX - supervisor employee ID # XXXX. - he let me know he plans to allow his team to call me as many times in the day as he feels like because he knows the laws and he doesn't mind breaking them.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

University XXXX XXXX reported a charge to the credit bureaus but failed to send signed contacts and documentation when i requested it. They school emailed me a statement validating that i was once a student there however they did not validate the right to report the debt and a signed contract was not sent. I have paid in full invoices from the school in my records.
Consumer complaint received 2018-07-02
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: Experian Information Solutions Inc. (SC)

Today I recieve a response back from my complaint filed with Experian. I am asking that they provide me with the copies used to investigate my dispute and to this day they will not. They generated a response just to get the CFPB to close the complaint. They know that once the response is entered in CFPB automatically closes the complaint, which is unfair to us as consumers. I have the right by law to ask for the original documents used to verify the disputes. Im asking one more time that you send me the information. I have asked twice before and you keep spinning around with your answers. Just provide me with the information you used to verify the investigation according to complaint number XXXX. By law I have a right to ask for the method of verification and you have to provide me wit it. All of that other stuff you are replying about is not what im asking for. please provide me with this information