davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have both a private and federal student loan with Navient - formerly XXXX XXXX. The loan that belongs to my daughter ( for which I am a co-signer ) is {$520.00} per month. We have it set up through Navient as an automatic monthly payment. On XXXX XXXX, we called to change the payment to {$320.00} on XXXX/XXXX/XXXX. ( We only changed the amount from {$520.00} to {$320.00} ). We thought we accomplished this with no problems until the day the payment was taken out. On XXXX XXXX, XXXX they debited via their check an unauthorized payment from my account in the amount of {$520.00}. Then on XXXX XXXX, XXXX or XXXX XXXX, XXXX they debited an additional {$320.00} from my account, unbeknownst to both me and my daughter ( student on the account ). We did not learn of the second debit until calling to obtain a refund in the amount of XXXX from the payment that was processed on XXXX XXXX, XXXX. We have called XXXX XXXX, XXXX, XXXX, XXXX, and XXXX to obtain our refund of the additional {$320.00} as well as the first {$200.00} from the payment taken out on XXXX/XXXX/XXXX only to be given erroneous and varying information regarding when we can expect to see the funds returned to my checking account each time we call. We have the customer service agent phone number and ID as XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX along with a Rep named XXXX, his supervisor and several other agents that we have spoken to in trying to obtain a refund - at this point totaling {$520.00}. 
Basically, they have given us the run around for several days. We have asked for this to be processed all the way up to their management only to be denied our refunds. We have asked for them to expedite the refund. 
This is clearly a mistake on their part where they have double debited my account and refuse to correct the problem. Management refuses to speak with me about the refund and the refund department refuses to speak with me about refunding or reversing the charge after several attempts. 
In reviewing information on the web, apparently Navient has a history of fraudulent and unscrupulous activity related to customer accounts. Please help me in resolving this situation. 
Please excuse grammar, punctuation, syntax and spelling. This is an online form with limited visibility and it is very tedious to type using these small forms. 

Address given on the website : General Correspondence & Submitting Documents Navient XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents - XXXX : XXXX or XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I have not been able to find out any information on my mortgage account for years. 
Every time I try to speak to someone to someone At Wells Fargo concerning my account they give me a story. They say I am in litigation of someone else is on my account and they ca n't speak to me. They have had me locked out of my account for years. I have been served with foreclosure papers, but Wells Fargo would not allow me to qualify for the needed help.
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

To who concern : I called West Fargo customer service at XXXX to complaint because I got XXXX overdraft fee that I consider unfair. But, they didnt take my complaint by telephone. For this reason, I am writingto you because they are charging me those hidden and unfair fees several times. In XX/XX/2016 I deposited online to my account XXXX the sum of {$280.00}, also I had anavailable balance of {$12.00} to make payments in the next day. Then, on XX/XX/2016 I made two payments to XXXX Online. However, Wells Fargo Bank paid those transactions earlier, and they process my deposit two days late. Their purpose was charge me irregular overdraft fees ( total amount of {$70.00} ) like they usuallydo base on their " banking politics ''. 
I want to tell you that these charges are irregular and unfair to the bank customers. They must stop this illegal practice, and I request the refund of those fees which were improperly charged to my account. 
Thanks. 
XXXX XXXX
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (DE)

I would like to register a complaint against PNC Mortgage and Insurance. I settled on a new property on XXXX XXXX, 2016. The loan was held with Fairway mortgage and later bought by PNC Mortgage on XXXX XXXX, 2016. On XXXX XXXX, 2016, I was notified that my home was now located in a flood plain and required flood insurance which they were going to purchase for me if I did not show proof of coverage in 45 days. I reached out to multiple insurance companies and was told that I could purchase the flood insurance because I was no in a flood zone as PNC mentioned. PNC stated I was in flood zone A and the FEMA database had me listed in flood zone X. 

I am disputing PNC 's records and having them update my mortgage with the information listed with FEMA. PNC stated that they are researching my case and hope to have resolution in 10 days. This will put me over the 45 day period and they will purchase insurance for me at an annual premium of {$2200.00}. The standard insurance policy would normally cost {$500.00} for coverage for my home. My complaints are XXXX fold. First, that they are forcing coverage when FEMA is stating the home is not in a flood zone. Secondly, that the forced coverage is extremely overpriced and they are using this forced coverage not to insure me as the homeowner and them as the lender, but for financial gain. 

I would like to bring this to your attention and request that you review and investigate PNC 's practices in this area.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX of this year I had gone online to buy a plane ticket. In order for me to get the maximum discount of {$100.00} dollars the company, Spirit Airlines, said that I would have to apply for a credit card through Bank of America. I went through the procedure, but lo and behold, after I had gotten the ticket, the discount was n't applied. I contacted the airlines and told them that they did n't add the additional discount and they told me that that was too bad, and then I told them if that 's the case then I am canceling my flight order. They told me that was n't possible, and I said if you do n't honor an agreement, then the agreement is null and void. They told me that the flight was non refundable and so then I contacted Bank of America the same day, and told them that I was canceling the credit card and it 's order. The said it would be under review and I did n't hear anything about it until XXXX XXXX of this same year. Bank of America told me that Spirit Airlines had filed for compensation and that they, Bank of America, felt obligated to honor their request.
Consumer complaint received 2016-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (PA)

During process of purchasing a house in XX/XX/XXXX I shopped for home owners insurance. XXXX was XXXX of several companies I inquired but ultimately went with XXXX. Without signing any contract and after verbally telling XXXX I was going with XXXX they claim I owe them {$240.00} for insurance coverage and hired a collection agency. I sent the collection agency a copy of my insurance policy and a written letter explaining why I do n't owe this money. They have dismissed this and continue to try to get me to pay. As I have said, there was no contract between XXXX and myself. Now I 'm concerned about my credit and property over a false claim.
Consumer complaint received 2024-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I called navient to complain why my interest rates are not going down, they jist quickly went up and up went market goes up but when market goes down they stay the same. I asked what kind of fraud is that. They said they will send me a letter since clearly they can not explain by phone but now my loans are been transferred to XXXX so by the time i get the letter is too late. Account # XXXX XXXX and XXXX
Consumer complaint received 2016-05-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Principal Group, LLC (ME)

I, my friends, my family, and my employer have all received multiple phone calls from an agency, purportedly to collect a debt. When describing the ways in which these collectors have violated the FDCPA, I had XXXX or XXXX different options from which to choose. These people have refused to verify any debt. They have refused to disclose from what agency they are calling. They have called my employer repeatedly, after the human resources manager hung up on them, in an attempt to block the line. They have called my employer threatening to serve me with papers, and asking how they can contact me. They have used false court filing numbers ( such as case numbers, etc ), as though a debt had been litigated already. They have used generally abusive language, have been harassing, and have used false telephone numbers, spoofing the number of my local court house, to convince me that they were calling from a governmental agency. In their latest attempt to contact me, they inadvertantly left a name of their agency which I could then research online. I have since submitted a complaint in writing to them, requesting they cease all telephonic communications with me. If they violate this request, I have informed them I will take further legal action.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

Offer for short sale of property was submitted. Previous ATP had expired and we were working toward another ATP. No offer during the 1st ATP was close enough to bank value of home. 
Wells Fargo refused to review the offer until the " financial review '' was completed. Then Welles Fargo delayed ( intentionally ) by continually waiting long stretches of not returning messages, constantly changing " processors '', as many as 8 processors, underwriters have been on this file, each with a period of no communication. 
The worst was " XXXX '', who throughout this process failed to either return a phone call or email, in a timely manner, but mostly not at all. 
We sent an OTP and related paperwork to WF to continue with a short sale process on XX/XX/XXXX. We continued to work on this short sale, up until it was rejected in XX/XX/XXXX, for missing a document. Someone from WF Home Preservation Department called XXXX, on XX/XX/XXXX.and XXXX responded and faxed the documents. Since XXXX did not receive these documents, and I was unaware that the WF Team was calling the borrower, the file was rejected. I recent the same documents, by fax, on XX/XX/XXXX. After I found out what had happened, XXXX helped, and put in the request to be reactivated, on XX/XX/XXXX. 
Wells Fargo proceeded to change processors, and micro-examine all accounts, effectively delaying the review within days of the foreclosure sale. They even took two weeks, examining and rejecting a settlement statement from the HOA, finally at last stating that the standard settlement email, with letterhead, management company, and all parties copied, must now be a " formal '' letter on letterhead, and signed, ( note that offer has not been looked at ). 
Nothing had materially changed in the Borrower 's financial condition, and Wells Fargo knew it. 
We tried for weeks by emails and calls, to expedite the review, stating each time the impending foreclosure. WE WERE IGNORED, and when we were communicated, it was " on script '' nonsense. In XXXX, we took the fight to anyone who might listen. 
Suddenly, on XX/XX/XXXX ( sale date XX/XX/XXXX ), the offer was " reviewed '', and quickly rejected. We were told on Monday the news, and told to " get a higher offer '' WE were told " an ATP could NOT be issued, due to the " LOW OFFER '' and " TOO CLOSE TO FC SALE DATE. 
We were also told there is nothing anyone can do. 
Either Wells Fargo intentionally delayed this review, either to force it to foreclosure, or ( and also likely, considering their inability to assign and complete an easy review ) their lack of direction in this department.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have Capital One checking account. On XX/XX/year>, I accidently sent {$220.00} to the wrong person with XXXX Transfer. That same day I called the bank and let them know what happened. They said they would " investigate '' my claim. ( I'm sure they didn't do anything ) On XX/XX/year> the bank sends me an email stating my claim is denied because " The payment was processed according to your payment instructions ''. I called the bank back to dispute their decision and I was told I can submit a letter of appeal. I submitted the letter of appeal on XX/XX/year> via email. I had to wait 15 days until a decision was made again. I called them back again on XX/XX/year> because they never contacted me. They told me that that their decision was the same, Denied.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I file a dispute with XXXX XXXX account that are closed with XXXX balance. Because this account has been settle years ago and still has a negative impact on my credit report. Because this is a 7 year old account and XXXX agreed to remove these account off my credit report. Reference # XXXX. I did file I new dispute with Experian but I know they do not update right away and they do not follow creditor request. So I am filing a complaint so it is recorded through this system. XXXX mail out letterhead to me I should receive it within 7 business days and if it is not removed I am going to file a new complaint with it. I asking Experian to follow Creditor request. They are the one who reported it in the first place.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PR)

Subject : Complaint Against Navient for Steering into Forbearance and Regulatory Violations Description : I am writing to file a complaint against Navient regarding their handling of my student loans. I believe I fall under the circumstances outlined in the recent CFPB order against the company. 

1. Steering into Forbearance : On several occasions, I was advised by Navient representatives to place my loans into forbearance instead of being informed about more affordable repayment options, such as income-driven repayment plans. This guidance has resulted in my loans accruing interest during periods when I could have been making manageable payments, leading to increased overall debt.

2. Regulatory Violations : I am aware of Navients history of violations of various financial laws, which have resulted in significant penalties from regulatory bodies. Their past actions, including steering borrowers away from beneficial repayment options, have not only harmed my financial situation but also seem to violate consumer protection laws. 

Given these circumstances, I respectfully request that my complaint be investigated, and I seek any available remedies or redress as outlined in the CFPBs order against Navient. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/XXXXXXXX XXXX  A Chase Bank employee suggested that we deposit my significant others check into my account since he had a balance past due. We both signed the check and deposited into my account so we can try to pay our mortgage. The employee said it should be deposited the next day, well my account was restricted. We called the customer service and they stated that in order to release the funds they have to have a verifiable number to the third party but his phone was off at the time. The number did show in the system but they couldnt reach out to the third party because his phone bill wasnt paid. The next day, I paid his phone bill and called customer service to verify his number and they said it wasnt in their system anymore. Weve sat at the branch for 2 weeks from the time they opened to the time they closed. Weve had 2 case workers and weve sat talking to a lady in her office trying to resolve this issue. Its been very stressful and frustrating! Its been almost 2 months and our house is up for foreclosure. 
We did pay his balance on his account. We kept calling trying to verify his number and its still showing up as not working. We did receive a call from Chase on his number but we accidentally missed the call due to us working night shifts. We called customer service again and told them that we missed their call on his phone and they claimed to not reach out but we have proof that they did.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (NY)

TO WHOM IT MAY CONCER, 

I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act (FCRA) and XXXX XXXX  compliancy requirements. 
The inaccurate entry is as follows: 
Acct Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Date Of Charge-Off: XXXX 

I dispute this entry on the following grounds: 1. Reporting INACCURACIES : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 2. Lack of Notification: The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 3. XXXX XXXX Compliance: The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

FURTHERMORE FOR THE SANTANDER ACCOUNT I WOULD LIKE YOU TO KNOW THAT I WAS MADE AWARE OF ADMINISTRATIVE PROCEEDING File No. XXXX XXXX WHERE CONSUMER FINANCIAL PROTECTION BUREAU SETTLED WITH SANTANDER CONSUMER USA INC. FOR CREDIT REPORT VIOLATIONS IN CONNECTION WITH ITS AUTO LOANS. 

https://www.consumerfinance.gov/aXXXX


Yours Truly, XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (OH)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : Acima Digital FKA Simple Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

Hello, there is a 2014 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my score that I have been disputing for the last 4 months to get this item withdrawn. I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXX dispute in which I am currently awaiting results. I called and spoke with a representative and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the item keeps coming back as verified every time. I had XXXX managers tell me that the dispute is sent as a notice to the courthouse through XXXX. Once the court verifies it, the information is mailed back to the credit bureau. To make sure the correct information was relayed, I contacted the court house and they told me that they never report any information via the credit bureaus. I decided to call Experian back to speak with another representative, but this time they advised that the information is verified by the contractor who goes to the court house. I asked what information does the contractor give to the courthouse, and how & what kind of physical information does the contractor verify to the credit bureaus. They could not answer that question and just said its a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.