davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient offers a .5 % discount per each loan that is scheduled for auto repayment. I recently realized that my discount was " disqualified '' so I called Navient to determine the reason why they were not applying that discount to my accounts. I must note ( prior to discussing call with company ) that per their website, under " Loan / Borrower Benefits '' the option is direct pay and their is an information button next to it which includes the following information " while in active repayment '' ( 1 ) I am currently in active repayment " you receive a .5 % interest rate discount for making payments via Auto Pay '' ( 2 ) I  am making payments via Auto Pay. So I was perplexed to see that the status of the discount was " disqualified. '' So on the phone with Navient I spoke with XXXX ( spelling?? ) and inquired about the disqualification. I informed her that I was in active repayment and enrolled in auto pay. Which she confirmed that my next automatic payment was XX/XX/XXXX. She stopped talking as if that was the end of the conversation and the answer to my question. So I reconfirmed with her and said so you have confirmed that I am in active repayment and on auto pay, then why is the status of my .5 % interest rate discount " disqualified '' with that question she confirmed the reason I am disqualified is due to insufficient funds. So I asked her when funds were insufficient and she confirmed XX/XX/XXXX. So couple problems here. No where in the documentation available online or the information lists that it is possible to be disqualified from the interest rate discount ( but as mentioned above completely opposite - 2 sets of criteria are required. Active repayment and enrolled in auto pay ). Second problem is that the insufficient date she mentioned is over 1 year ago, and that there is no specific time frame to allow me to be qualified for the interest rate discount. I find this very predatory. They should indicate in writing that there are penalties that would " disqualify '' from the interest rate discount. I find this unnerving that my {$33000.00} dollars of loans with them are disqualified from an interest rate discount because I had the unfortunate incident of insufficient funds over a year ago. Please assist in getting this corrected as again I believe this to be predatory and illegitimate.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. Over the course of the last month, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems.

I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers.

In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information. I get to vet the security of a given service not Capital One 's one-size fits none approach they have taken by blocking all 3rd party access to my financial data, be it through financial aggregators like XXXX, or XXXX XXXX XXXX.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MS)

TD Auto has received full payment for my totaled vehicle. I paid the final payment after receiving the final statement from the balance left after my gap insurance over month ago. This will be my second time complaining. I have two delinquent payments showing on all three of my credit reports! Im trying to purchase a home. I need this fixed ASAP! This has ruin my credit! Ive tried my best to work with them. They are the worse bank ever! They keep telling me i have To speak to someone in the insurance resolution department. After being on hold for hours and for multiple days customer service still says theres nothing they can do and that its a small department with a lot of calls and I need to call back. Please help me get this resolved
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I had called XXXX back in XX/XX/2018 after my wallet was stolen to report my card as stolen and to inform them that there had been fraudulent charges made on my account. The employee that I spoke to said that he would get it taken care of. The next month I went online to check the status of my account, and it still showed the charges on the account. I called again to figure out what was going on, the next employee I spoke with said the same thing " we will get this taken care of ''. Next month, the same situation so I called once again, this time the employee is telling me to make a payment. I can't believe it, they still haven't fixed this problem AND now they're telling me to pay for charges I haven't even made ... I made the payment just so I wouldn't have my credit report getting a late. The next month comes around and now I have a 30 day late on my report as well as the balance on my account showing as DOUBLED. The original {$300.00} in fraudulent charges how now turned into {$690.00}. I called XXXX again repeating the situation and the employee tells me they are still working on it, although it shouldn't take longer than 90 days from the day I originally reported it. Well its already passed 90 days at this point ... No solution has been made to this day. I don't want anything to do with this company, please help me!
Consumer complaint received 2018-05-29
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. (NJ)

I have disputed an incorrect account on my credit report with the three major credit bureaus : Experian, XXXX and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
Consumer complaint received 2018-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc (KS)

Received numerous attempts to collect debts alleged owed by Creditors Service Bureau, asked for verification of debt, verification of debt not provided. Was provided copy of computer print out & screenshots but nothing substantiating debts listed are legitimately owed by us or are otherwise substantiated as evidenced by numerous errors listed on print out such as ( 1 ) Last name not spelled correctly ( listed as XXXX ), our last name is spelled with TWO " XXXX '' s indicating the debtor/s were not concerned about accuracy ( 2 ) XXXX XXXX XXXX is listed as one of the parties owed money to by my wife however she has never used XXXX XXXX, my wife went to XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX during the time frame alleged she owes money to XXXX XXXX XXXX ( we were also not married until XX/XX/XXXX so i do not feel its fair to attempt to collect a debt owed by my wife prior to being married ) ( 3 ) XXXX XXXX XXXX - we used a midwife XXXX XXXX XXXX based out of XXXX, KS for medical services not the hospital system her contact info is : XXXX XXXX XXXX XXXX, KS XXXX United States p. ( XXXX ) XXXX ( 4 ) XXXX  XXXX services - we do not use them, we have a XXXX  in XXXX XXXX which is not the same XXXX
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Two accounts are constantly being reported to the credit agencies inwhich I'm disputing due to the fact they're not mines. I'm within my consumer rights to ask that you the credit reporting agency to block the following accounts from my report. The accounts are XXXX XXXX XXXX, and XXXX XXXX XXXX.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NV)

I filed for bankruptcy in XX/XX/XXXX. My home mortgage prior to the filing was serviced with America 's Servicing Company ( a subsidiary of Wells Fargo ). Shortly after I filed bankruptcy, America 's Servicing Company sold my mortgage to Wells Fargo. On XX/XX/XXXX A Notice of Electronic Filing of my reaffirmation agreement with Wells Fargo ( my home mortgage ) was filed through the bankruptcy court. My bankruptcy was discharged in XX/XX/XXXX. Shortly after the discharge, Wells Fargo submitted paperwork to me explaining the transferring of the account. Since Wells Fargo acquired my home loan, no payment history has been reported to ANY of the three credit bureaus. According to a letter from Wells Fargo, my home loan is being treated as reaffirmed and my payment history is being submitted to all three credit bureaus. This is not the case. In XX/XX/XXXX, I disputed my XXXX credit report. Wells Fargo updated the account. XXXX  attached a statement stating the MY statement to include Account Closed by Consumers request. This is an inaccurate statement and I have once again disputed this information and uploaded supporting documents to my XXXX  account. I have included my payment history that I requested from Wells Fargo establishing that my account is current and has never been late. I am unsure as to WHOM owns my mortgage and to WHOM I am actually making payments to if XXXX  is claiming my home mortgage is discharged through Bankruptcy. I had three other loans I reaffirmed, all three are being reported to the credit bureaus correctly. I am only having issues with my Wells Fargo account.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

On XX/XX/XXXX Experian Background Checking reported to XXXX XXXX on behalf of XXXX XXXX that my birth year associated with my social security number is XX/XX/XXXX instead of the accurate year I was born of XX/XX/XXXX. This is even with my correct birth year of XX/XX/XXXX reflecting on my actual credit bureau report from Experian. On XX/XX/XXXX I filed a dispute with Experian to correct this information as well as provide XXXX XXXX the correct information for their reporting to XXXX XXXX. That same day ( XX/XX/XXXX ) Experian completed the dispute but never provided XXXX XXXX with the accurate updated information even though it was requested from them every 30 days following and I also specifically asked them to update the company as a consumer. On XX/XX/XXXX I received a denial of employment from XXXX XXXX stating Experian never updated the correct birth year, they just deleted my social security number on the report and they also never provided the correct updated year of birth of XX/XX/XXXX. I immediately filed another dispute with Experian online as well as via email. Both times the disputes came through as deletion of my social security number rather than updating the actual birth year. I then sent correspondence to open a dispute via certified signed mail on XX/XX/XXXX of which was signed for by an Experian employee on XX/XX/XXXX. No action was taken by Experian other than once again removing my social security number from the report. No update was sent to XXXX XXXX even though I once again requested them to do so as a consumer. I am sending yet another letter to them tomorrow, XX/XX/XXXX as well as filing a complaint with you.
Consumer complaint received 2018-05-29
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 (MN)

So I applied to American Express Blue Cash Everyday credit card. The promotion said " For the first {$2000.00} dollar spending in a U.S. restaurants in the first 6 months, get 10 % cash back ''. I spent {$1900.00} dollars in U.S. restaurants which is clearly marked in the " Statement '' section. However, only 1 transaction of {$17.00} was being honored as spending in a " U.S. restaurant ''.

I tried to contact the bank for more than 10 times. For 8 times, they opened a case for me and never responded later. For one time, they said that are facing technical difficulty and should be solved in 4 weeks which did not happen. 

The last time I contacted them, which was today, a supervisor was talking to me and telling me that all the transactions but one are being listed as " other purchases ''. It is very clear from the statement page that those transactions are being processed as " restaurant '' purchases, but I don't know how, from the customer service 's perspective, they are being processed as " others '', which would help them not giving me the cash back they should give me. ( And other banks like discover processed it as restaurant normally ). They said it has something to do with the tax ID the restaurants are using and the customer service asked me to check with the merchant if they listed themselves as restaurant which is an impossible task to do. Plus, I spent at several chain restaurant which they have very little odd that they register wrongly. It has been 7 months since the problem starts and they can not give me a satisfying answer.
Consumer complaint received 2018-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

On Sunday, XX/XX/XXXX, I dropped a cash payment in the Tower Loan drop box in the amount of {$260.00}. A couple days later we were called by XXXX stating we owed a payment. My husband informed them that I just made a payment Sunday, however, they claimed they never received it. My husband called me and informed me of the problem and I called the office and spoke with XXXX. She stated she was the first employee there Monday and stated she did not see my payment with the others. I asked if they could review cameras to see I had dropped it off but she said they did not have any. The temporary manager was at lunch and she said she would have him call me back once he returned. Once he called me back he stated they had no proof that I dropped off the payment- I made the suggestion to check neighboring business cameras to see if they have cameras outside their storefronts that could have shown my drop off, that the funds could have possibly been credited to the wrong account, or worse case- one of their employees are being deceitful and took the payment since it was cash. He explained he was going to look into it and give me a call back within an hour. The next day I still had not received a call so I called XXXX back. He stated his manager said he doesn't believe I made the payment and there is nothing they can do and they are not responsible for the lost payment. I offered to provide my ATM receipt proving I made a wd that evening prior to driving to their store, but they will not look further into the problem. Someone stole my money and they are not doing anything to investigate the situation. I intend to visit the XXXX Police Station tomorrow afternoon and file a police report. Not only am I furious that they " lost '' my payment, but they have the audacity to call me a liar and say they don't believe I made the payment. I physically placed the payment in their payment box located outside their store with my information on the envelope, I ensured the payment was fully inside before leaving so there is no way that anyone other than those with access to the loan company could have taken it. I contacted their headquarters Friday but have yet to hear a response.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I had a credit card bill due on XX/XX/XXXX in the amount of {$75.00}. I paid the complete amount due on XX/XX/XXXX. My account is now XXXX. When I received my new bill, it said that I now owed {$1.00}. When I called to complain, I was told that it was due to Residual Interest. I told them that it is impossible. I paid the total amount due and before the due date. The operator agreed to take the {$1.00} off my account. I informed the operator that because I knew that I paid the account in full, I wasn't even going to open the new bill because in my eyes I did not have a bill. I thanked the representative for taken the {$1.00} off but imagine all the people that just pay the {$1.00} without dispute it. If she states that its considered Residual Interest then why did she agree to take it off? 
It's not the amount that I'm complaining about, it's the practice of the way they charged me. Is it legal?
Consumer complaint received 2018-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

This complaint is related to complaint XXXX. In that complaint, XXXX/PHEAA   inappropriately switched my loan payment amount from the REPAYE amount to the standard repayment amount 2 months early for most of my loan sequences. My loans should have all updated ( based on my new income verification ) in XX/XX/XXXX but instead most of them were switched to the standard repayment amount in XXXX resulting in a > {$1000.00} increase in the payment amount they were requesting. After filing the complaint, XXXX/PHEAA has halfway admitted there mistake and has agreed to allow me to make the correct payments for the months of XXXX and XXXX and have them applied retroactively to those months. However, as part of their proposal they are requiring me to submit an updated PSLF employment certification form to get the payment amounts corrected. For this complaint, I would like to know who has given XXXX/PHEAA  the authority to impose additional regulations on borrowers for them to receive the correct payment amount under income-driven repayment plans as outlined by the federal government. My loans are all under the REPAYE plan and as such my repayment amount is based on my discretionary income as calculated using my adjusted gross income and family size and updated at least annually ( or more frequently if requested by the borrower ). Nowhere in the federal statutes governing this program does it state that receiving the REPAYE amount is based on being employed by an eligible employer and nowhere does it state that completion of a ECF is required. Furthermore, even for borrowers doing PSLF, the payments do not have to be consecutive and so even for borrowers who do intend to do PSLF they do not have to continuously be employed by eligible employers to remain in the program or to have their loans serviced by XXXX/PHEAA. Regardless of whether a borrower is currently employed by an eligible employer, the REPAYE amount is a fixed amount determined completely separate from the borrowers employment status at an eligible employer. Thus, it is readily apparent that the requirement to submit a current ECF form that covers the 2 months when XXXX/PHEAA messed up my payments is a ) beyond the scope of the authority of XXXXPHEAA and b ) is a purposeful attempt to cause borrowers to pay more in student loans than they are legally required. 

As an updated, I submitted my ECF yesterday for my current employer. This ECF covers from XX/XX/XXXX to XX/XX/XXXX. I have also made the 2 additional payments of {$330.00} ( one on XX/XX/XXXX and XXXX on XX/XX/XXXX ) as requested by XXXX/PHEAA to cover the XXXX and XX/XX/XXXX payments that were messed up. All of this was done within 2 months of XX/XX/XXXX. This should satisfy the criteria XXXX/PHEAA imposed on me in order to override the XXXX and XX/XX/XXXX payments.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Service Bureau, Inc. (OK)

I am being contactedby the company to resolve a medical bill from XXXX. The bill is XXXX dollars. I told them I was unemployed and couldn't pay andthey said either borrow it from family or my credit report would be heavily damaged. This was in XX/XX/XXXX. 

I received another phone call today XXXX XXXX, and I told them I amnow self employed and just started a contract. They told me either pay the balance or they'll call my wife. I told them she doesn't work, and they said that i have to pay the full balance today, or my credit will be negatively reflected and I'll losemy business. I asked to speak to a manager to dispute the debt. I told them I've never received paperwork and I want a copy of the recorded call, they said I haveno right to it. They also said they don't have to follow the law andthey do not have to allow payments below the full amount. I offered to pay XXXX now, and they said either the full balance or iwill be sued. This is a very shady business and I feelmy rights under the fair debt collection practices act were violated.
Consumer complaint received 2018-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Ditech Financial LLC (SC)

I have a loan with DITECH FINANCIAL LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and DITECH FINANCIAL LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX 2017.