davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

Since XX/XX/2023 I have been attempting to contact EdFinancial Services to enroll my account in automatic payments. There was a system switch and we had to create new logins, which I did and enrolled in automatic payments. The system continued to say that they received the request, but to this date they are not enrolled. I also tried enrolling several times since then, and several times today, to no avail. Their original site says that the loans previously on autopay will be enrolled automatically, but my statement that I received today states that I am not enrolled in autopay. Why can't I be enrolled in automatic payments? And why did I have to pay a {$61.00} charge that was DUE in XXXX when we are still in forbearance at this time? I need to be enrolled in autopay because of the 0.25 % discount on the loans and this company isn't helping me to obtain this. 

Additionally, I have no way of seeing my transaction history since acquiring my student loans. It is no longer on the previous site and I can't access anything on the new one. Additionally, the current transaction history on my account is incorrect. My employer has been sending {$50.00} a month toward my loans and the transaction history on EdFinancial 's new site states that there have only been several received. It skipped the entire summer 's contributions on the transaction history, let alone every single payment I've made up to the point of the website transfer. 

I can not contact anyone either. I have been desperately emailing and trying to chat with a representative but can not reach anyone and no one is responding to me, and I've emailed months ago for answers! I have been trying to search online if anyone had any solutions, and it seems that there are 5 hour long wait times for phone calls, the chats kick them out as well, and no one is responding to their emails either. I can not believe this has been happening. I had no issues before the website switch, and now it seems like no one cares. I always spoke so highly of EdFinancial and now it has gone downhill so drastically.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I opened A discover Card XX/XX/XXXX and I got a random Email reporting from XXXX on XX/XX/XXXX that Discover recently closed my account out of no where. I called them multiple times asking why they closed my account and they said it was due to inactivity. I told them I wasn't able to use my card because of recent health issues. They never sent me any letters or emails or messages inside of my account that they were going to close my account. It is ruining my credit history now due to that being my longest account open.
Consumer complaint received 2018-03-03
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: BARCLAYS BANK DELAWARE (CA)

I HAVE BEEN XXXX WEEK OR TWO CELEBRATING WITH MY PARENTS AND SISTERS ON XXXX FOR YEARS. I HAD A XXXX AIRLINES MILEAGE ACCOUNT FOR A FEW YEARS. THEN ON ONE FLIGHT I WAS OFFERED MANY MILES TO OPEN A XXXX XXXX ELITE CARD, SO I DID BEFORE LANDING. 

UNFORTUNATELY, THE TWO XXXX AIRLINES MILEAGE ACCOUNTS ARE IN 2 VERSIONS OF MY NAME AND NEITHER XXXX AIRLINES NOR BARCLAYS BANK WILL FIX IT. PLUS THEY SAY MY ACCOUNT IS " INCOMPLETE '' WITH 2 MILEAGE ACCOUNTS AND THUS I AM UNABLE TO USE ANY OF THE ACCUMULATED MILES! I HAVE TRIED FOR 3 YEARS TO GET THESE XXXX XXXX MILEAGE ACCOUNTS, ONE WITH BARCLAYS BANK, MERGED WITH ZERO SUCCESS, THO I HAVE DONE EVERYTHING THEY TOLD ME TO DO FROM FAX AN OFFICE NOT RECEIVING FAXES, TO EMAIL AN OFFICE NOT ANSWERING EMAILS TO CALLING VARIOUS PEOPLE WHO CAN NOT FIX THIS SIMPLE PROBLEM. 

THIS LAST XXXX WEEK ON XXXX AT XXXX XXXX ( THEY HAVE A GREAT WEBCAM IF YOU NEED A CHEER ) XXXX XXXX XXXX, I TRIED FOR A COUPLE HOURS FOR 2 DAYS AND GOT THE RUN AROUND, EVEN INVOLVING THE RESORT DESK CLERK FOR AN HOUR ON SENDING FAXES THAT WOULD NOT BE RECEIVED! 
MY BARCLAYS CREDIT CARD IS FOR " XXXX XXXX XXXX '', XXXX XXXX XXXX XXXX. 
AND TO TOP IT OFF, BARCLAYS ANSWERS THE NUMBER ON THE BACK OF THE XXXX AIRLINES MILEAGE CREDIT CARD AS " XXXX AIRLINES ''! OUTRIGHT XXXX. 

EACH XXXX I AM OFFERED AN UPGRADE TO FIRST CLASS SEATING FOR XXXX MILES, OR OVER {$400.00}. I CAN NOT USE MY MILES AND THIS LAST XXXX THE COACH TICKET WAS OVER {$1100.00}. I FEEL XXXX AND XXXX IN CAHOOTS OWE ME FIRST CLASS SEATING FOR MY NEXT ONCE A YEAR TRIP, AT XXXX MILES, WITHOUT HASSLE. 
THEIR MAINTAINING OF 2 ACCOUNTS IS TOTALLY THEIR FAULT AND RESPONSIBILITY AND XXXX!
Consumer complaint received 2018-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

my last student loan was in XXXX. Those with XXXX XXXX were privately funded and should be removed as having expired. The balance on all loans should be XXXX, as all loans were discharged in XXXX of XXXX.
Consumer complaint received 2018-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I do not like the default manner in which my over-payments to my student loan serviced by Navient are allocated and instead desire that they apply over-payments to the highest interest rate account. 

Navient allows you to do this but you have to jump through hoops to do so. I would need to send a separate payment with a letter telling them what account to apply the payment to. I pay my loans using my Bank 's online bill pay which does not allow you to send custom letters along with your payment. 

On about XX/XX/XXXX I sent an inquiry to Navient 's customer service asking how I could implement a directive that they credit all over payments to a particular loan. On XX/XX/XXXX they responded that I would have to submit direction with each payment. 

I feel that it is absolutely ridiculous that I have to go to this effort every month of providing a separate payment and two writing a letter just to get them to do something that I intend to do until the account is closed. This is a federal student loan and I feel that this is nothing but taking advantage of people who utilized a federal program and have no choice in who services their loan in order to maximize the amount of interest that they collect. 

This is in addition to a host of other annoyances with their website and how they operate that make it difficult to work with them and nearly impossible to get any help short of sending a message which they will reply to without offering any method of responding to the reply.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (WV)

On XX/XX/ I submitted an online bill payment to XXXX XXXX XXXX XXXX in the amount of {$400.00} from my Navy Federal account, just I had done many time previously. I selected their Rush Delivery option since I was a few days away from my due date. 
After few days, I was contacted by XXXX and they informed me that they had not received my payment. I immediately followed up with NFCU and was told that they would investigate, since from their end, the payment was showing that it was sent. 
My first contact with NFCU was on XX/XX/ through their online message center. I have since spoken with them by phone on 7-8 occasions and once in person at the branch, in addition to numerous communication via the online message center. 
I have been referred to XXXX XXXX, have been told to contact XXXX  and ask to be patient, all of which I have done. XXXX stated they have no record of the payment being processed, although past payments have made it successfully. 
In ever case where I spoke with NFCU I was told that they would contact me in XXXX hours and to date I have not received one phone  call from them, I have had to initiate every communication. 
My last conversation with them was yesterday afternoon, XX/XX/XXXX and was once again told that the issue was being escalated and they would contact me when there was a resolution. I told them that I wanted a phone call before the end of the day and the money deposited back to my account, or applied to my car loan at XXXX   before the end of the day. They stated that they would call one way or the other. 
I did not receive a phone call, but instead a generic message in the online message center with the same verbiage as the other 10 messages that have not resulted in any resolution. 
I am requesting that an investigation be opened into the deceptive and illegal practices of NFCU, my money be returned to me ( {$400.00} ) along with {$65.00} in late fees that I have incurred, and the {$5.00} fee that they charged me to send the payment " Rush Delivery ''. 

I would also like to know what remedy I have for the countless hours that I have spent tracking down a what has happened to my money that I entrusted NFCU with, and which I no longer have, nor does my the company that was attempting t pay. 

I can be reached by phone at ( XXXX ) XXXX Email - XXXX XXXX
Consumer complaint received 2020-03-16
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. (NV)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ********* ( copied from the affidavit attached ) *********
Consumer complaint received 2024-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

I have attempted since XX/XX/2023 to submit payments for my federal student loans. When I reached out to Edfinancial, they were not able to provide any details as to why my payments keep getting reversed. In fact, I received confirmation notices that my payments were submitted, each time I attempted to pay, yet they were all rejected. Interest continues to accrue on the full loan amount, despite attempting to payback the loans. 

After waiting a response from Edfinancial for over 8 MONTHS, Edfinancial has still not provided a solution for not being able to pay my loans back, or address the fees and interest accrued as I was working with the CFPB and Edfinancial on case XXXX.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

I had the Citi card accounts for the past 4+ years. After hurricane Irma I had notified Citi Card regarding my short delayed of payments +obligations because of hurricane Irma and my financial situation has been deteriorating in results of that. When I paid off the balanced in full of all my cards with the Citi, and after that they terminated and eliminated all my credit limit with them. The bottom line, they have been misleading, defaulting me regarding credit and all communications with them.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

a ) My monthly payment is $ XXXX/mo.

b ) I pay my own taxes and insurance. 
c ) I issued advance payments for {$1700.00} each covering thru XX/XX/XXXX. 
d ) Shellpoint has my account past due/foreclosure/default for {$28000.00} ( approx ) as of XX/XX/XXXX. 
e ) On XX/XX/XXXX, I issued two payments ( {$3500.00} tot ) for {$1700.00} each by mail since I could not issue an auto/electronic payment since they have the account in " default '' status. 
f ) Shellpoing has stated the last payment was received on XX/XX/XXXX covering thru XX/XX/XXXX. 
g ) Shellpoint has added " forced lender insurance '' for {$5500.00} for XXXX XXXX
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I received a credit card offer form Wells Fargo Financial Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, South Dakota, XXXX for a possible line of credit. I applied for the credit card and was approved on XX/XX/XXXX. This card was secured with Wells Fargo Financial having a secured interest in my home. The following year, I was unemployed and filed for Chapter XXXX bankruptcy in XX/XX/XXXX. I listed the credit card as a part of the bankruptcy and assumed it would be discharged with the rest of my debt. In XX/XX/XXXX, the bankruptcy was discharged and I have since moved on thinking that this credit card was a part of the discharge. I am currently in the process of trying to refinance my mortgage with a different financial institution and have qualified and been approved for the refinance. Upon review with the title company, it was discovered that this credit card debt was showing up as a interest in my property and the title company is refusing to remove this item even though I submitted the bankruptcy discharge information. After learning of the situation, I contacted my bankruptcy attorney on XX/XX/XXXX to determine what can be done about this. I learned from the attorney that because of the secured interest in my home, there is nothing that they could do, however, I was informed that other clients in similar situations with the same credit card have been able to get a release/settlement due to fraudulent practices demonstrated by Wells Fargo. Upon my research on the internet, I was able to find the XX/XX/XXXX class action lawsuit against Wells Fargo in the state of New York where they settled with credit card consumers for {$4.00} XXXX dollars. They were in violation of policy violations, which put consumers ' home at risk. Wells Fargo Financial Credit Services of New York, a Wells Fargo affiliate, acquired XXXX Home Equity Lines of Credit through which they offered a secured credit card called the XXXX XXXX Platinum, which I had. This allowed consumers to secure their credit card purchases using interest on their home loans -- a practice that is not permissible under the law in the state of New York. There is evidence that on top of the illegal practices it in engaged in, Wells Fargo altered and falsified income documents, in order to qualify borrowers for loans that would otherwise be denied. On XX/XX/XXXX, I filed a formal complaint against Wells Fargo with the Office of Minnesota Attorney General XXXX XXXX 's office. 

The Attorney General 's office has also contacted Wells Fargo on my behalf and has requested written response from them regarding my claims. As of XX/XX/XXXX, I also filed a complaint with the Office of the Comptroller of the Currency.
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC (VA)

On XX/XX/XXXX I purchase an vehicle from XXXX XXXX located in XXXX Va, My contract was for buy here pay. However I received a Welcome letter from XXXX XXXX on XX/XX/XXXX staying that they have brought my account from XXXX XXXX. I never signed any documents nor does it says in my contract that XXXX XXXX can sell this vehicle without my premission. I check my credit on XX/XX/XXXX. I see that I have a car loan financed from XXXX XXXX open on XX/XX/XXXX. I called this company several of times, I can not get any information they keep telling me to call XXXX XXXX. This company has lied to me and reported inaccurate information on my credit report.
Consumer complaint received 2018-05-16
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (TX)

Re : Acct # XXXX According to Navient and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and Navient on numerous letters ( Please see attached letters and their responses from Navient ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to Navient any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, Navient has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by Navient and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Total Card, Inc. (NY)

In XX/XX/ I logged into my XXXX XXXX  account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine. 
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine. 
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX. 
XXXX XXXX obviously had blended my account with someone else 's account. 
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX. 
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint. 
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error. 
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left. 
I have already reported this to them but they are ignoring that. 
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment. 
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (FL)

The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhodes, Kelly Assoc Inc (NC)

I have contacted the original creditor XXXX XXXX and spoke to several reps there. I was informed that Rhodes Kelly was not instructed to report this account to the credit bureau. Therefore it should be removed from my credit report immediately and sent back to XXXX XXXX. My second issue is XXXX XXXX provided an itemized bill to Rhodes Kelly, I did not authorize them to send my information to Rhodes Kelly Associates. This information should've been sent directly to me. There was no need for them to review this information this is PHI and is a HIPPAA violation. If they have some sort of agreement with Rhodes Kelly I was not made aware of it.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (WA)

Person called from XXXX XXXX XXXX, would not give me their company name, said i owed incorrect amount of debt from2011. I asked for them to mail me info so i can check on this debt. They said they do not do that. I was suspicious because they gave me no information about themselves only saying it was citibank card, that i never had and the amount was outrageous. I asked them not to call me but send all information through the mail, XXXX stated he would not do that.