davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (VA)

During my time at school, I payed the {$25.00} a month per loan to start on the interest payments. Once I had more than XXXX loan out, Sallie Mae ( they had n't split into XXXX at the time ) would take the subsequent {$50.00}, {$75.00}, {$100.00}, and {$120.00} a month and place it towards only XXXX of my loans instead of distributing it. Afterwards I would get multiple calls almost every day from unknown numbers saying that I am in default and in danger of my credit being affected. When I would explain to the person ( after anywhere from 20min-2hrs on hold ) that yes, I had in fact payed what was owed and told them to check how it was distributed, I would get silence followed by, " huh ... ok I see what happened here ''. Multiple times I asked that a note be put on my file so that this would n't happen again. Sure enough the next month I would get another dozen calls from mystery numbers and have to go through the whole thing all over again. This time I would ask if there was a note on file and they would say " yep here it is. '' And now that I 'm out of school and working, I am paying back the loans as much as I can. The representative and I worked out an arrangement that my loans would be taken out on the XXXX of every month. I have been paying for almost eight months now and not once have the loans been taken out on the XXXX. usually the XXXX or XXXX, and only XXXX because they take out the last XXXX in the middle of the month for some reason. This has thrown a huge monkey wrench into my life. I do n't have a high paying job yet and I end up devoting XXXX of my XXXX monthly paychecks solely to student loans, and I make sure that the money is there before the XXXX. When they do n't follow the schedule they proposed and that I agreed to it throws my life out of whack and adds unneeded uncertainty and stress. Things like running low on gas on the XXXX but cant stop to fill up because I have n't been charged loans and I need to make sure there 's enough to cover them and then that odd middle of the month loan adds even more. If I were late on a payment by one day I would get several emails and at least one call asking where the money is. Yet when they are late in charging me they could n't care less, meanwhile my entire life is put on hold. It 's dehumanizing how they treat the people that come to them for help. The customer service is absolutely horrible. The people shove you off to the next person and give off the impression that you are a bother. They do n't listen to the problem and try to fix it. They listen for buzzwords and shuttle you along, " Yea I 'm having troube with changing my billing address on my account profile '' " Billing? I 'm sorry sir this extension is if you 're having trouble with your account profile, I 'll connect you. '' " No wai --!! *insert cheesy sax music* ''
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My experience with Capital One Bank Credit Card Department has been completely horrendous. I applied for a Spark Classic Business XXXX Credit Card. 

I was then prompted with a 7-10 day response afterwards I called in to see what needs to be done and I was told to send in identity documents I did such. I then received a letter in the mail requesting business documents plus the letter and I sent in such.

After waiting well over two weeks I call in again to be told the card was finally approved. It took a few days and I finally received my card in the mail and when I tried to activate it I was yet again prompted to submit identification documents after sending a plethora of them already I was AGAIN asked to send the same documents in.

Beyond frustrated I voiced my concerns after submitting them and I was told it would be resolved. 

Now tonight I received a call from Capital One informing me that the business card can not be activated due to a " discrepancy '' I 'm just completely blown away by how Capital One has treated me here and I thought I was beginning a credit card relationship for my business and also personally as I also have a pending personal credit card application as well. 

Im just truly shocked and appalled by these actions from Capital One Bank.
Consumer complaint received 2017-09-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

My student loans payments with Navient were out of reach and a physical and emotional burden. Navient knowing my complaint and my continous struggle to pay, Navient offered and encouraged me to apply for forbearances instead of any other option. I recently did some research of my own and was angry to find there were better options available such as income-driven repayment and loan forgiveness plans., this is only after I did a forbearance for the third time. When I contacted Navient and explain my concern and my inability to pay the high monthly rates they suggested the better option to keep my loans in good standing in forbearance. she also reminded me I previously had income-driven repayment option in the past and its a one time option. How is that fair? I should be offered income-driven repayment option as long as my income is inadequate .I was never giving the option for loan forgiveness or information on how to qualify. I later find out the interest is still being added to my loan balance that now only push my loans extremely out of reach and unaffordable. My loans increased by a few thousand dollars. I ca n't believe striving to better yourself and seeking a education would be so expensive. I regret ever going to school it was the worst mistake of my life to have loans totaling XXXX and a job that pay XXXX a year. I will never be able to recover from this debt. 
Navient is a scam and because of this debt I will never experience financial freedom.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

Little less than a year ago we started a credit card with American Express. We were told by them that items purchased at a grocery store would be given a 6 % cash back credit. We live within XXXX mile of XXXX XXXX and buy almost all our groceries at this store. After several months we noticed that we only received a 1 % credit instead of 6 %. My wife, XXXX XXXX, and I, XXXX XXXX ( both of us have this credit card ) called them about two months ago to see why we were n't getting the promised credit. We were told that it was a mistake and were given a partial credit for previous charges for the extra 5 %. I recently noticed that for the last two months we were again only being paid the 1 %. The reason, they said American Express changed their policy. Grocery stores that have gas stations no longer are eligible for the 6 % credit. Since XXXX XXXX has gas stations at their stores, that makes the grocery purchases not eligible for the American Express 6 % credit. I explained to them that our local grocery store at XXXX does not have a gas station. They responded that since some of the XXXX XXXX stores do have gas stations that that is how they code all XXXX XXXX stores. I complained that certainly this was n't fair but they refused to change our account to get the full 6 % rebate. Appreciate you help on this unfair matter. Thank you XXXX and XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

On X/X/2017 I checked Equifax 's equifaxsecurity2017.com site to see if my personal information was compromised by this year 's cybersecurity breach. The website told me, " based on the information provided, we believe that your personal information may have been impacted by this incident. '' With access to my personal information that I believed to be secure in the hands of Equifax, I am worried that I am now at risk of identity fraud/theft and have had to go out of my way to place alerts on my file. Why was I not notified of this? I believe, as a consumer, the information we entrust credit reporters with should be treated with the utmost security and respect, and we should be notified immediately if it is compromised. Instead, I did not know my identity was at risk until I read the news.
Also, when checking the website, they attempted to convince me to sign up for a service which is publicly known for containing an arbitration clause. I find it outrageous Equifax expects us to waive our legal rights after this has happened.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a checking account with Bank of America. The bank overdraft my account by issuing an overdraft fee when my account shows there was money in the account covering the purchase. The phone representatives were very rude and had XXXX excuses why the bank would put a false overdraft fee on my account. It appears they somehow switched the processing of transactions so that they could overdraft my account.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am one of the 143 million people potentially impacted by the hacking/data loss at Equifax. As of this time, I have no idea what this will mean for me, but at the very least it will require an amount of additional time and personal effort. At worst, I will be much more likely to be a victim of fraud in the future. 

Until such time as a new and more secure system is developed for managing personal information and credit, I and the millions of other victims of this hack must live with its consequences, with virtually no measure available to us to have prevented it. This is the real crime -- that the consumer is rendered powerless to protect him or herself without incurring substantial costs. The remedies Equifax has offered are insufficient given the magnitude of the breach and potential consequences to its unwilling customers.
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (NY)

On XXXX/XXXX/2017 I received a called from I received a call from XXXX from Halstead, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any XXXX. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass
Consumer complaint received 2017-01-19
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

I used the Wells Fargo SurePay services to transfer money to my friend 's account using his phone number. I received the confirmation email and text message saying it was transferred to his account and received a text message as well. I sent XXXX separate transactions to the same phone number in forms of {$41.00}, {$500.00}, and {$2000.00}. The money was taken from my account to transfer over. I waited a day or two to see if he got the money, and he said it never transferred. I checked his XXXX XXXX XXXX account to see if it ever went through, and there 's no signs of the transfer. I checked his statements, transfer history, and even the preferences to see whether the correct number is linked to that account ; and it was correct. He called his bank to see if they can see if anything went wrong, but they said there was not any transfer that went to the account. So, I submitted XXXX claims to Wells Fargo, and they said everything went correctly on their end and that they could not do anything much more. They offered to send any documents that they used relating to the claim showing how they determined the outcome, but they had no documents to show for. I am submitting to claim to determine where my money went.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax, on XX/XX/XXXX, exposed my Personally Identifiable Information without my permission during a cyber attack. They did n't address the issue with any of their customers ( including me ), until XX/XX/XXXX.
Consumer complaint received 2016-12-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: QUALITY ACCEPTANCE LLC (CA)

I bought car financed by Quality acceptance have been making payments on car since XXXX 2016 received a call from XXXX from Quality telling me I was up 3 months behind in my payments and I needed to pay almost {$1000.00} to her immediately or they would be possessed the car. I have verification that I 've been paying the car note each month which I will send to your company and I 'd like for you to investigate my complaint
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. This has taken a lot of time away from me and I should be paid for that time.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I sold my house in XX/XX/2015. at that time, I cancelled my XXXX because I did not need it anymore, since I had sold my house. I informed XXXX, and they agree. since then, XXXX has been sending me monthly bills for service I nolonger received. XXXX has sent three different collection agencies to collet a bill which is not legitimate, because I nolonger received their services, they agreed to stop the service, and are still pressuring me, through collecting agencies, to pay a bill for services they no longer provided to me.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

On XXXX XXXX, 2017, I learned that my data ( possibly including my name, Social Security number, birth date, address, drivers license number, and credit card numbers ) was taken from Equifax due to a security breach. Equifax failed to protect my data and stored it in a way that allowed it to be stolen.
Consumer complaint received 2017-02-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (TX)

Exeter Finance allowed my signature to be forged on documents for a vehicle without my consent and without me being there in attendance. When I approached them they suggested that I submit Identity theft report, I did that, and Exeter Finance deemed my claim frivolous. I 'm demanding justice in this matter. This is my final attempt before pursuing legal action. This is not a request for validation or verification.
Consumer complaint received 2016-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have XXXX different privet student loans currently own by Navient. XXXX of XXXX loans are small loans. I only have concern third loan originally was {$25000.00}. I took this big loan on XXXX 2009. I have been paying this loan since I took the loan. Last XXXX I asked Navient to release co-singer for the loan since I never late pay or missed payment for last 8 years and it 's reasonable request to release the co-signer at this time. They denied my request in ground of my obligation more than my income. I asked clarification if they are saying my monthly obligation higher than my monthly income. After I proof for them my current monthly total obligation ( {$1200.00} ) way less than my current monthly gross income ( {$3000.00} ), they change the reason of denial to my total loan is to high. Yes my total student loan is close to half XXXX because I went medical school and almost all loan is federal loan. Since I wo n't start to pay my Federal student loan XXXX or four years from now before I finish residency, I do n't think it matter much for Navient loan since the term of the loan is less than five years from now. 

In short, I do believe Navient giving all kind of reasons to denied me simple request to release my co-signer while I have more than XXXX credit score and regularly making my monthly payment. 

Best, XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I am set to begin repaying my loans on XXXX XXXX. I called navient to see what my payment options were and they gave me what my monthly payments would be. I asked if the payments could be lowered and they told me that was the lowest they could go. By XXXX I will be paying about {$400.00} and this is not something that I can afford. I believe that these companies are setting newly graduated students up for failure and it is a shame. While I do understand this money needs to be paid back it needs to be done in a decent fashion.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (CA)

back on XXXX XXXX i applied for refinance with PHH Mortgage witch i have a loan with them at XXXX percent i was qualified for XXXX percent loan # XXXX after about 3 months i wast told that there is lien on the property since XXXX regarding a child support issue i called them and i spook to the title company ( XXXX XXXX XXXX ) and i email copy of the close case letter from the child support to both XXXX and XXXX XXXX XXXX XXXX told me i should not contact her nor the child support HPP should contact the child support and verify the issue all they need is to send a form to the child support. i also called the child support ( XXXX XXXX ) she was helpful and confirmed there is no lien on the property all they need to do is to send them the request now they cancel the loan and they charging me a appraisal fee XXXX the interest rate went up and it does not make since to refinance