davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NV)

I borrowed a number of federal loans for my doctoral program through XXXX XXXX approximately {$150000.00}. After I graduated from my doctoral program my loans were sold to Navient. Today Navient is saying I owe more than {$400000.00} ( I only graduated in XXXX ). In the detailed statements the original principals have been increased by over 60 % in which they are now calling unpaid principal. My required monthly payment fluctuates every month despite the fact that I am on an income-based repayment plan. When I have called and asked about this they say they are late fees and service fees ( they ca n't tell me from when ). Since I began repaying my loan after graduation I have never had a late payment. Navient has also auto-adjusted my interest rates to as high as 8.5 %. A couple days ago I read the news about the class action law suit against Navient and I am interested in finding out how I may get help to resolve this abuse of student loan repayment plans. I have a paper copy XXXX XXXX statement from Navient that cites my unpaid principal as {$160000.00}. However today when I go to the website in the statement they have from the exact same period of XXXX XXXX they cite the unpaid principal as {$200000.00}. I am including copies of both these for your review so you can see how they have retroactively manipulated the numbers.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OK)

After seeing press coverage of complaints filed with sister states ' attorneys general and the Consumer Financial Protection Bureau, I believe I am the victim of deleterious payment processing errors and curious trade processes. In XXXX XXXX, I took out a student loan in the amount of {$10000.00}. I began making regular payments in XXXX XXXX. In particular, I scheduled a payment for XXXX XXXX. While the funds were withdrawn from my bank on that day, Navient did not register the payment until XXXX XXXX the following year, which means the balance continued to compound despite the payment. In fact, I noticed that I had to schedule payments for Mondays because payments made later then Wednesday were withdrawn from my bank account but not credited until the following week. 

Around XXXX XXXX, I enrolled in a class at an accredited Oklahoma public college, which was reported to the Department of Education and caused me to enter a state of deferment. Regardless, I continued to make payments. When I signed the loan contract, I was given an interest rate of 5.84 %, and when enrolled in the autodebit plan, I would receive a .25 % rate reduction. I signed up for the autodebit, but because of the deferment status, it was suspended and the corresponding rate reduction did not materialize. I had to schedule payments manually and at a higher rate. Beginning this month, the autodebit finally activated and triggered the lower rate of 5.59 %, which means I had a higher rate for around 285 days.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CA)

Our mortgage changed hands XX/XX/2016. The new mortgage holder is sun trust mortgage in XXXX XXXX We have been paying our mortgage for years using automatic bill pay from our bank, XXXX XXXX . To pay the new payee for the first payment on XXXX XXXX, I changed the bill payee to Suntrust mortgage and updated the mailing address for the payment. Unfortunatly- I did not update the account number and left the account for our old mortgage in the memo section of the check. The money was debited from our account. Suntrust claims never to have received the payment. They are calling us delinquent on our mortgage. When we caught the error we updated the account number, and have paid every month since ( XX/XX/XXXX-XX/XX/XXXX ). We have not missed payment. We have had countless phone calls with Sun Trust and claim numbers as well as escalated claim numbers related to this issue. The company continues to telephone us demanding the 'delinquent ' payment. It is now bordering on harassment. We have spent time on the phone with XXXX XXXX, and in the local XXXX XXXX branch. We have faxed the paperwork which was asked for by Suntrust on multiple occasions. XXXX XXXX has sent the paperwork directly to Suntrust as well. Each time we speak to Suntrust, they tell us they will have an answer in 36 hours and to call back. When we call back they claim to know nothing about any paperwork which we have faxed.
Consumer complaint received 2024-09-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

To Whom It May Concern : I am writing regarding a Certificate of Deposit ( CD ) account that matured and came due for renewal. Upon opening the CD, I was informed by the account representative at the branch that I would receive both an email notification and a phone call from the branch when my CD matured. The representative further explained that by applying for online statements, I would also receive a renewal notification, and I followed the necessary steps. 

Unfortunately, when my CD matured, I did not receive any email or phone call notification. I checked my junk mail and found no correspondence. When I raised this issue with my local branch manager, I was told that email notifications were sent, but there was no proof provided. 

The new interest rate that my CD rolled over into was significantly lower than the new term rates the bank was offering at the time. When I attempted to open a new CD at the higher rate, I was informed that there would be a {$50.00} penalty, in addition to the loss of interest. The only reason I sought to open a new CD was because I was not notified, as promised, and was losing money with the lower interest rate. 

After speaking with multiple representatives at Citizens Bank, I was left without a choice but to close my CD, despite my request for the XXXX penalty to be waived due to the lack of notification. My request was escalated, but no resolution was offered. 

I find it deeply concerning that, as a consumer, I was penalized in this manner due to the banks failure to fulfill its commitment to notify me about the CD maturity. At a minimum, I request that the XXXX penalty be refunded, as I believe this situation was handled in an unfair and unethical manner. 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, as I am concerned that other customers may be experiencing similar issues. 

Thank you for your attention to this matter. I hope that someone at a higher level can assist me in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion should not be allowed to " Rubber Stamp '' my dispute with the company 's response. Of course, the mortgage company is going to say they are correct. I provided payment history to Transunion for the entire loan showing my payments were made and not 30 days late. This issue started with a minor dispute of my escrow account that XXXX XXXX ignored and they did not provide communication or statements. I contacted them numerous time by phone. This MINOR correction snowballed as XXXX was charging enormous and erroneous charges to my account. These were not even allowed if you read my loan contract. XXXX XXXX probably owes me $ XXXX. I went through proper channels with XXXX to no avail even though their President acknowledged their mistakes. They started foreclosure proceedings doing monthly inspections even though they received payment each and every month as well as I was in contact with them by email and telephone several times per month. They did not send anything in writing stating they were beginning these proceedings - also against the RESPA laws. Transunion has documentation from XXXX 's President saying they would reverse charges. I expressly inquired to XXXX if they had corrected my credit. They did not and should have. I have had bank mortgage personnel review my payments to XXXX and they were so messed up, confusing and convoluted the PROFESSIONALS could not reconcile my loan!!! WOW! 
Transunion 's response to my dispute - " We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified Mortgage Loan Number Loan # XXXX have contacted XXXX XXXX XXXX at XXXX and spoke with XXXX XXXX. According to their records, the late payment history reflecting for XXXX XXXX - XXXX XXXX is accurately reporting for XXXX XXXX XXXX # XXXX. '' XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX My original dispute to Transunion " XXXX XXXX has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). '' I disputed this directly with XXXX XXXX numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " XXXX, XXXX XXXX ''. 
XXXX Mortgage even had their attorney send me correspondence telling me to quit contacting them or anyone else regarding my credit reporting, after I have them a bad review on Oklahoma 's XXXX site. Really? That is XXXX. XXXX XXXX, in my opinion, is a group of " Thieves ''. I have seen numerous other disputes from their customers similar to mine.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have XXXX mortgages on my home that were transferred to Bank of America from Countrywide. I applied and was approved for a modification on my XXXX and was told that the XXXX would follow immediately after. After many single points of contact with B of A and completing an extraordinary amount of paper work I was told I did not qualify any longer because my income is too high. I have tried to speak to all department at B of A that may be able to help me and I get different responses to the same question. I decide to hire an attorney who understands the system better than me. She is getting the same inconsistent response as I was. I told the attorney to make a short pay of offer to B of A. B of A rejected the offer stating that I have n't been denied modification in the last 60 days. B of A wants me to start over again. If I was denied because of income before why would it change now? My attorney requested a copy from the note holder indicating that the offer was rejected. We have been waiting a week with now response from B of A. 
The has been going on since 2009, I have tried diligently to reach some kind of agreement with B of A but the refuse to be upfront with information. After 6 years late fees have accumulated and my credit for the first time has had negative reporting. If the right people from B of A would just communicate with me I 'm sure this can be resolved quickly. Neither my attorney or I have been able to contact the right person. I have lived in my house for 10 years and would like to stay. The value is still considerably less than I owe. 
Thanks
Consumer complaint received 2016-09-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (NC)

On XXXX XXXX, 2016 XXXX am, XXXX and Bridgecrest Acceptance caused a third party to remove the car I have financed with them from my property even though the account was current and in good standing. The company claims that because my first payment was delinquent, they have the right to repossess. Their claim is that I was in default of the finance contract. However, the formerly delinquent payment had been made on XXXX XXXX, a full week prior, along with any late and transaction fees when the company took the property ( car ) from my possession. 
It should be noted that I had been in contact with Bridgecrest ( XXXX ) with some regularaty as to the reason for the late payment. My view is that the company violated the contract we had and that they violated the law by removing the car from my property. 
Conversations with the redemption department have come to no acceptable resolution. I informed personnel that I would file a civil action against the CEO XXXX XXXX XXXX and president XXXX XXXX in order to have the court review the contract performance by both parties. Again, this suggestion resulted in no favorable outcome for me. The company has not indicated what action they will take next. I am left to assume they will proceed with typical repossession actions. The company stated they would be " unwinding '' the loan but that I would not receive my down payment or subsequent payment ( s ).
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Financial Solutions, LLC (MI)

This place is calling my relatives ( not sure how they got their numbers ) stating that their is a claim they are moving forward on so they need me to contact them by XXXX or XXXX that day. I am not aware of what *claim* this is for ... nor is it one I 've ever received via snail mail. I am not going to assume I have a debt because of a phone call. They are faxing my place of employment with documents that are not legal but trying to obtain personal information. They are stating they are trying to locate me, but have not sent any formal documentation stating what this claim is for.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

experian refuses after numerious dispute attempts to remove XXXX XXXX XXXX and XXXX from negative accounts in the credit report chapter XXXX bankruptcy discharge papers were submitted in addition to student loan deffermen/tforberance documentation. ( XXXX, XXXX, us department of education ) experian will has refused to add account into satisfactory accounts/accounts in good standing.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I got an alert from Transunion about a collection account filed from XXXX XXXX , XXXX for {$300.00}. This account was deleted from XXXX on XXXX/XXXX/16, an XXXX request to delete was submitted, why is this account now showing in Transunion. The compliance offer from XXXX XXXX said this is a mistake and should be removed, you can reach him at XXXX XXXX XXXX.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (WA)

On or about XXXX XXXX, Chase bank closed my husband and my accounts. First my husband was paid on or about XXXX XXXX, a week ago. He found he could not access monies to move over to my account ( which were linked ). He was first told that his account was suspended for fraud? In which we were NEVER informed to find out that was n't the truth either, they 've known since and before our payroll hit that they were going to suspsend our accounts and never contacted us accordingly, which left us without knowing our rights and access to any monies left over from payroll/EFT depoists. Then a day later to find that it was suspeneded for mismanagement/NSF charges on Saturday and that we should be receiving a letter-we/I do not deny, however, I did not find out my account was also supspended until Monday, XXXX XXXX. We were NEVER notified in writing, and it has been well over a week since Chase audit departments initiated closing our accounts, hence, they should 've sent us a letter in advance, letting us know that our monies would be held to cover any overdrafts and or incoming transactions and when our remaining monies would be returned. 
I find these practices unlawful and illegal in the since that I have no monies and because of a XXXX situation, I was not able to quickly find out the status of my remaining funds, which could have left me in danger! To date, it has been well over a week and we were not notified via Chase secure server and other ways they could 've informed us that our monies would be withheld via the closiong our our accounts. I am not denying the reason for closing, but the illegal and deceptive way Chase has gone about this matter and not properly notifying in writing and what and when, what we can do about the matter, in regards to our rights and their right to just withhold/close our accounts with nothing in writing or a reprieve. I am a XXXX veteran and my income in limited with a XXXX issue happening in my home, which left me unable to pay many of the bills I need to XXXX survive and to take care of myself.
Consumer complaint received 2016-11-15
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Core Advisory Group, LLC (TX)

I received a card in the mail with Core Advisory Group 's phone number ( no name ) advertising home loan modification back in XXXX of 2016. spoke with a case manager XXXX gave him all my info. And explained that I have been denied for a mod on my loan in the past. He explained that they work with government agencies to force lenders to do a loan mods. I signed up for a total of {$2400.00} All they did was send out a few emails and and made some phone calls but got no results what so ever. sale on house was temporary stopped only because i filled a complaint with lender 's fraud dept. All my credit card closed due to backruptcy scheme that they practice through a third part.All i got from them was a bunch of broken promises, lot of lies, unaswered and unreturned calls, bad credit, stress and a huge financial lost and I sill lost my house. Core advisory Group had cease and desist order in Texas where i live at the time of signing and should not have collected money up front for these type of service. This company use to go by colleagues in law which has been accused of same practices and closed and as seen on their reconciliation form acknodwlede affiliation.They are a fraud and need to be stopped.Please help me get my money back!
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For years my credit report has been merged with someone who has the same name as mine. I tried several years ago to clear up this issue ; I wrote to all XXXX credit bureaus and sent in utility bills only to be told that my utility bills were too old. I have XXXX and the process was overwhelming. My credit report is merged with another person with my name, XXXX XXXX. She has the middle initial of XXXX, and I have no middle name. I was born in XXXX and she was born, I believe in XXXX. I need this cleared up ASAP, as I am trying to save my house. I am trying to get a hardship/forbearance and I ca n't because there is a mortgage on my credit report that is not mine and is stopping me from getting the help need. The main item is a B of A mortgage account number # XXXX. This mortgage is not mine. There is another account that my mortgage company needs gone, a XXXX XXXX account number # XXXX. This XXXX XXXX account is not mine.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (DC)

Mortgage closed and paid off in XXXX. I asked Astoria Federal to remove the wording " Account Paid for Less than Full balance '' which is misleading and assumes a short sale. I 've asked them many times to remove the wording, a month ago there was still the wording and XXXX late payment reported. Since I asked for your help, the wording is removed but now they acted out by adding in XXXX late payments.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XX/XX/2016 - file is 26 months past due totaling about $ XXXX ( w/o any fees ). Loan mod was denied because the servicer was unable to reduce the principal and interest portion of the payment - therefore a loan mod is no longer an option - no matter what the homeowner changes in her circumstance the result would still be the same - the servicer tried to extend loan to 40 yrs ( max term ) & reduce the interest rate as low as they are able to and still the monthly payment was too high. -- The servicer would not communicate to the HUD approved nonprofit whether they reduced the interest rate at all. -- Available options is to reinstate or come up with a significant down payment so that the homeowner can agree to a 12 month repayment plan otherwise option is to liquidate. -- The file is in active foreclosure with NO sale date because the file is in active bankruptcy ; therefore the foreclosure is on hold. - My request for a NPV was denied ; request must be in writing and even then the request my not be granted. I was not given an answer when I asked what the lowest interest rate they used to determine if the homeowner was able to get approved for a loan mod or not.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (KY)

After I tried to ask if I could make a payment on the XXXX. Which would n't be a small payment. I got told if I did n't make a payment today I was going to be sued. The lady was very rude. Was not helpful at all. I have no problem with paying the debt I owe. I just could not make a payment until XXXX XXXX. And I know it 's illegal for her to tell me that if a payment was n't made today I was going to be sued.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (CO)

My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (KY)

I discovered this collection on my account so I call the agency to ask questions and dispute the collection. So far I have called XXXX twice about the matter to resolve it. They have not done anything to help they said they would send out a fraud packet to fill out and they would remove it. So far all they have done is send me a bill. I sent a written letter asking them for verification of debt and validation of claim but no luck. Please help