davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I took out a student loan from Navient ( at the time XXXX XXXX XXXX when I was in college at XXXX XXXX. My senior year, I needed an additional loan, so I went back to XXXX XXXX, and because I did n't know anything about borrowing money or taking out loans, they offered me a loan " just like my first one ''. It turned out that that loan had nearly twice the interest rate. After college, the job market was terrible and I did n't make much money and was just paying interest. As years passed and I got a good job and made more money and XXXX XXXX became Navient, I made MORE than the minimum payments for years to Navient - but little was changing with the impact in my student loan debt. I did research and reached out multiple times, and what they were doing was, taking my {$200.00} per mo payment, putting as much as they could towards the interest on the high interest 2nd loan, and the rest towards the interest and principal ( the little that was left ) towards my lower interest first loan. I was treading water essentially for years ( I also have had another loan with XXXX XXXX, and I still have one with XXXX XXXX XXXX that has changed hands multiple times ). When I reached out, I told them I wanted to adjust the percentage of how my payment was being used. They told me I could n't. They lied about a few other things and then eventually they told me that " they have no control over how the money I pay is allotted to my loan sequences. '' So I saved my money, and when I had enough to pay it off in full, I called back and said that I want to pay it off. They said it would be hard, they may not be able to do it, excuses, excuses. It took months, but I had to write an actual letter and mail it, asking for my loan sequences, asking for payment amount. It took them forever to respond. I then had to write an actual check to pay it off. In the meantime after I uncovered this awful practice, I paid months of interest during this process ( on top off all the shady business practices they had that made my payments go towards little of my principal ) and I finally paid it off. If i did n't have the money to pay the lump some a few years ago ( around XXXX or XXXX ), I never would have been able to do anything. I was given a predatory loan when I was in college and they used predatory practices to keep me in debt. I still have that first loan remaining with them and 10 years after graduating, I can say that this company has done a lot of negatively impact my life and I 'd like to join any lawsuit or class action lawsuit against this company. 

Thanks, XXXX
Consumer complaint received 2017-03-17
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: American Payment Holdco, Inc. (CA)

I had made a payment to my credit card account with XXXX from XXXX using a service called XXXX. I made this payment of {$490.00} on XXXX and it has still not reached my bank. The payment ref # was : XXXX I called XXXX ( number XXXX ) on XXXX ( talked to agent XXXX ), she opened an investigation with Ref # : XXXX. He conference called XXXX bank and confirmed that they didnt receive the payment. 

I had called XXXX pay multiple times to follow up with no response ( they kept telling me that they have sent the payment ). 
On XXXX, I called XXXX ( # XXXX ) again, asked for a supervisor. XXXX assisted me, we had a XXXX way call with me ( XXXX ), XXXX ( XXXX supervisor ) and XXXX ( XXXX back office supervisor incharge of bill payments ). XXXX and I had sent forms to XXXX ( payment adjustment request form along with supporting docs, payment receipt, my credit statement etc ) and XXXX never responded back. 

On XXXX, I called XXXX pay again and spoke to XXXX. XXXX mentioned that XXXX internal team has still not responded to her, he sent then another email. She called XXXX on a XXXX way call, XXXX ( phone # : XXXX ) Agent XXXX ID : XXXX and XXXX did confirm that XXXX did not recieve the payment of {$490.00} anytime since XXXX. XXXX was going to send him an email to investigate this payment
Consumer complaint received 2017-03-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding LLC is trying to collect {$600.00} from me from a debt that I owe through a credit one bank credit card that I supposely took out in XX/XX/2015. I never taken out a credit card under my name at all. They keep insisting me to pay the amount and got my social security, address and number from me. I do n't feel safe knowing they will keep calling me to pay this debt that I supposely owe.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have spent hours on the phone with TransUnion because I can not access my credit report online. They send me back and forth from phone number to phone number. I 've jumped through all the hoops they 've put in front of me and still nothing. These people have huge amounts of power yet I am unable to even get my report to make sure the information is accurate. Where is the accountability? Please work with them to ensure that their product is actually accessible.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I contacted USAA to close my credit card account with a credit limit of XXXX revolving limit. Upon pulling my credit report on XX/XX/XXXX I was shocked to find the account still active. When contacting the organization, there is no answer to why it is still open. Nine months of thinking my account is closed, and there is XXXX now sitting out there as revolving credit. 

I feel this misstep, failure to close, or failure to listen to the customer not only benefited the company ; but placed a negative impact on my credit worthiness. According to my USAA website, thru XXXX, one of the four factors lowering my credit score was, " Your largest credit limit on open bankcard or revolving accounts is too low - XXXX accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended - which are triggers for higher risk. '' This reflects the card I thought was closed. Currently my credit report states {$45000.00} of credit, approximately 45.2 % of that is USAA 's card. 

This lack of accountability and systems that provide for customer protection and service is incredible. As a 26 year member of USAA, these actions only demonstrate their lack of compassion for loyalty. I request a written response to this, specifically laying out the failures within USAA. While I do not think I am the only one this failure happened to, I would be interested in how many accounts were delayed or failed to be closed that benefited USAA? This borders on fraudulent accounts utilized for increasing profits for the organization at the expense of the customer, in my opinion. 

Also, I filed a written complaint in XX/XX/XXXX against previous banking processes. I would like to know if this 'failure ' was repercussion for speaking out? Thank you for your time.
Consumer complaint received 2015-08-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

They kept adding late charges, my account kept going up instead of down. 
Took me about 9mo. to figure it out. I did call them and raised cane, because I was mailingpayment XXXX weeks before due date. She credited me one late fee. 
I still feel ripped off. I just finally paid off account XX/XX/2015. It should have been paid off a year ago.
Consumer complaint received 2017-03-17
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC. (LA)

XXXX of Pioneer Credit Recovery is totally unprofessional and abusive. Calling me a liar, saying I did not send my financial verification records, i.e. XX/XX/XXXX tax return and XXXX, when requested 2 yrs. ago. Searching my computer, I found, scan and send communications, with Pioneer on BOTH XX/XX/XXXX and XX/XX/XXXX. Had to send twice because Pioneer could not open a word document. I made monthly arrangements and did not miss a payment, for the 9 or 10 months agreed upon. Pioneer cancelled my payments and then put wage garnishments on me. Without notification! I have no problem repaying my student loans, but to be belittled by XXXX and called a liar are beyond me. I reached out to Pioneer to resolve the wage garnishments and was told the only way to cease garnishment was to make payments on top of monthly wage garnishments. Well, if that is the case, I 'll just allow the garnishments to continue until the debt is paid. But I will not tolerate abusive communication from XXXX. Thank you, and Happy St. Patrick 's Day!
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (FL)

I have a XXXX credit card, which appears to be managed by a company called Comenity. I was unaware that I had a {$10.00} balance on the card, I had paid for my previous purchase with a gift card and coupons associated with being a card holder, the XXXX website does not apply credits upon checkout in a way that makes it possible to see what the balance will be after processing. I was never sent a payment request or balance notification and was then charged a late fee of {$11.00} ( more than the principal balance owed ). I contacted the company that manages the card and they refused to reverse the fee after I complained that I was never notified that a balance was due.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (AL)

This woman from a finance loan company calls my phone 3 to 5 times EACH day. If anyone else answers my cell, she tells them my business, telling people I do n't work, threatening to show up at my home. This is clearly a case of harassment. She has actually showed up at my home. Yes, I do owe a debt, but I 'm 60 days late. I 'm going through bankruptcy, but she still continues to harass me and my family.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

We returned our XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to XXXX as part of the XXXX XXXX. We were told our loan to our institution would be paid off by XXXX, and an XXXX sent to us for the remainder. The lender sent documentation on XXXX XXXX, XXXX stating the loan was paid off. In fact, the loan pay off hit our credit reports in early XXXX. We also received an XXXX from XXXX for the portion of the buyback above the remaining loan amount ( so far, valid ). 

Today, XXXX XXXX, XXXX, we received notice from our lending institution that the loan was not satisfied. We called the lending institution and XXXX 's check bounced ( confirmed by a supervisor ) ; the lender received a bad check from XXXX and is reinstating our loan. 

The installment payment is now due tomorrow, XXXX XXXX, and we no longer have the car ( XXXX does ). We are concerned about the rejected pay off and what it will do to our credit reports. Do we owe this month 's installment payment? 

How can XXXX get away with bouncing a check and the institution reinstating our loan?
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WI)

My student loan provider uploaded a PDF to my account that was supposed to provide me with tax information. They instead uploaded a blank PDF template with no account information on the document. I have contacted consumer service three times now, and they still do n't understand what I am saying, despite being quite clear and even providing an image of what I am talking about ( the second time ). The first time, the response I received was auto filled information on how to download a PDF off the Internet. I responded my telling them that I am perfectly capable of downloading a PDF off of a website, but the PDF does n't contain the information that it should contain. They responded by telling me the summary statement amount in the email, but still did not update or send me a PDF. The third time, they simply told me " Your tax information has been updated and is now available online ''. When I logged in, the PDF was STILL blank. I need the PDF information, not just the numbers.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I 'm writing this complaint regarding my Membership Rewards Program from XXXX XXXX. I applied XXXX XXXX XXXX card last XXXX and keep doing normal spending on it. When applying the card it shows spend {$3000.00} and receive XXXX Membership Rewards points. I spent {$2800.00} on my XXXX. Statement and {$4900.00} on my XXXX. Statement which was far exceeded {$3000.00} spend requirement. So when I trying to transfer XXXX points from my Membership Rewards account ( Which I have XXXX Reward points in my account ) to my XXXX account it noticed me I ca n't do that because my spending is under their review to make sure all my spending are eligible. I definitely ca n't accept that so I contacted them via online chat, email and phone but they ca n't provide a workable solution. Since I need the points ASAP I have to file a complaint here.
Consumer complaint received 2017-03-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 'm on XXXX for an accident i had on XXXX first. XXXX has deposited money into a Bank of America account. I do not have access to this account. I have not received anything from Bank of America. I found an expired Bank of America XXXX and was finally able to get someone on the phone. I was told that i had to pay {$10.00} to receive a card so that i could access my money. My bills are late my phone is turned off and they 've had my money for over two weeks.
Consumer complaint received 2015-08-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I bought my home is XX/XX/XXXX for {$130000.00} with full intentions of living in my home forever, especially since it was in the great location of family and had been in the area for very long time, it was my dream home that came true for me and my children. I Fell behind in XX/XX/XXXX after XXXX XXXX that caused a finicial Hardship, I lost {$13000.00} income that year ( XXXX a month loss ). I Have attempted since XX/XX/XXXX to get HAMP, HARP HIT ... After jumping through hoops with Bank Of America and getting turned downed mulitiple times after submitting paperwork multiple times and being told that my INVESTOR type was the reason I did not qualify for any programs of relief. Although my house value had dropped and I was " under water '', I was being told that I did not qualify for any help. So, I Hired an attorney in XX/XX/XXXX for {$2000.00}. which instructed me to continue working with BOA submitting documents and making numerous calls. BOA sent me letters stating my Investor names. I recieved XXXX lettes with XXXX different investor names on my mortgage. I am now three years into this and the wieght of this has effected my health and overall lifestyle as my future is unknown. My home has become a prison. With the cost of repairs and unknown future, I looked into selling my home, but considering I owe three times more than my home is worth today, that is not an option. Now I am facing Foreclosure however, I am being told that I will be taxed for any debt cancelation amount. And in the end loss my once beloved home.
Consumer complaint received 2017-03-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: World Omni Financial Corp. (FL)

On XX/XX/XXXX I bought in XXXX Toyota a used car Toyota XXXX XXXX, the purchase was made through a loan ( Toyota XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and I purchase too a XXXX insurer ( XXXX ). 

I adquire a insurance through XXXX policy number : XXXX. 



On XX/XX/XXXX, I suffered a car accident in which I was not guilty. The claim number is XXXX On XX/XX/XXXX, the car was declared total loss and since then I have had multiple problems with both the lender Toyota and the insurer XXXX. 

XXXX declared that the market value of the car was {$10000.00}, but XXXX disccount {$380.00} storage deduction so they only pay {$10000.00}. 

In the XXXX contract agreement appear : " CAR STORAGE AND COVERAGE : We will pay up to a reasonable and customary daily rate fare for the cost of storage of the insured auto in the event of a loss to the insured auto for which coverage is provided under this Part. We will pay no more than {$400.00} total for the cost of storage of the insured auto under the section. '' According with Toyota at the crash day the payoff was {$15000.00} Since the accident day Toyota has not stopped calling me or sending me letters with threats of damaging my credit record unless I pay the remaining balance of the loan, even I sent a email trying to explain the situation but I have never receive any answer or consideration. 

XXXX took more than a month to deliver the payment of the vehicle, according to Toyota 's information the payment was received on XX/XX/XXXX. 

On XX/XX/XXXX, I try to contact UnitedAutoCare, the insurance company that was the original contract agreement but I received the information that the new owner of my contract is XXXX XXXX XXXX XXXX without any notice to its customer. 


Finally I contact XXXX and under its policy only covered a part of the remaining balance of the debt. For them the remaining payoff amount is not the {$15000.00} instead they say that the amount is {$14000.00} and they discount differents items to produce a payment of only {$2800.00} so I should to pay to the lender the difference of the payoff loan for {$1600.00} I visit the web site of XXXX and in the brochure that I attached to this email appear a very interesting example : In the second page " How XXXX works '' give me the reason of my claim, they should to pay the difference the value market and the loan. 


So Im in the middle of the firing line of the companies that use the math in your favor. 


Additionaly I did not receive a pennie for the claim of loss and wage during my excuses work, so I had to arrange between different jobs and charity of my friends. 


I hope someone could give me the orientation to what I can do to finish that issue. 

Thanks
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/2016, at XXXX p.m. I submitted a Request for Mortgage Assistance to Select Portfolio Servicing for a HAMP Tier II loan modification. To date I have not received any correspondence from SPS regarding the status of my loan modification. For over 3 months, my loan application was not processed in a timely manner, if at all. This is a direct violation of the Federal Mortgage Servicing, National Mortgage Settlement and a direct violation of the California Homeowners Bill Of Rights. I was not given due process as my application was never reviewed and the results were never communicated to me.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (NC)

I have a reporting on my credit reports in collections that states I owe {$1800.00} to XXXX at XXXX. It was opened XXXX. It was last reported XXXX. It is stated as an individual responsibility. It is from Professional debt mediators. I do not owe this debt.
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc. (GA)

I recently received a copy of my credit reports from the XXXX credit bureaus and I noticed an account in collections from Franklin Collection Services in the amount of {$220.00}. I contacted the collection and requested verification of debt but all I received is a bill. There is no breakdown of charges or signature. I have disputed this and requested in depth verification of this debt but I have not received a response.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a XXXX ( XXXX ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Equifax Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Equifax was mailed certified on XX/XX/XXXX. Not receiving an updated credit report and it is now XX/XX/XXXX. I am filing a formal complaint with the Consumer Financial Protection Bureau. 
I have copies of all letters and police report information sent certified to Equifax by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.