davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

For the past few years I have been paying interest on all of my loans, and this month is the first month that the loan payments are going into effect. Paying Sallie Mae has never been an issue, the issue is that I called for them to adjust my payments based on my income ( which is {$1200.00} every 2 weeks ). Well the associate pretty much took the average of my income and the amount of paychecks for the year and stated that I make {$2600.00} a month which is not true. There are only two months out of the year in which I get paid 3 times a month which is XX/XX/XXXX and XX/XX/XXXX so pretty much for the entire year I make {$2400.00} a month except for those two months. Anyway so after telling them how much I pay in bills each month the associate has it in her head that I would have {$600.00} remaining because she believes that I make {$2600.00} each month from this miscalculation ( so they pretty much took the amount from those XXXX additional paychecks that I would receive, divided it up and added that amount to my monthly income ) but in actuality I would only have {$400.00} a month remaining and they wanted to charge me {$340.00} a month for the loans which would leave me with {$57.00} in case of emergencies, oil changes or what ever else comes up during the month ... Then I discovered that I also have federal student loans that would go into effect as well and I wanted to include that amount in my monthly bills and they told me that they do n't include that because they want you to file for forbearance or deferment instead of lowering their payments. They know that paying federal student loans is a bill but since the government offers that option, they would rather get the customer in more debt than help them out of it. I feel as if somewhere this is against the law im sure because I thought that a person could not apply for this unless they truly needed it, this should not be an option for another company to advise their customers of so that they can get the most money possible out of the customer. So while speaking with the manager and explaining that I was trying to pay both the government and them, the guy told me to " shift '' my money around because they were doing me a favor and that I was lucky that they were even doing that. So at this point, I am paying them what I can.
Consumer complaint received 2016-11-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

My Name is XXXX XXXX. I am filing this compliant with the CFPB, because I have tried every other avenue available to dispute and remove a student loan that I never authorized. I have been added as a co signer for a student loan. I never agreed or authorized anyone to add me as a co signer. It is fraud. I have filed several disputes with the credit bureaus. I have received the hard copies of the loan documents from XXXX XXXX. The loan documents are riddled with incorrect and in accurate information. I will just list a few of the obvious errors. The loan documents state that I am a US citizen which I am not a US citizen. I am a XXXX Citizen and Permanent Resident of the United States Of America. The addresses that are listed on the loans are not correct. I have never lived at the addresses that are presented on the application. I have filed a dispute to the credit bureau 's and they have removed those addresses from my record but they did not remove the student loans that caused those addresses to appear on my credit. The Salary that was entered was not correct along with my debt obligations. This account applications are riddled with errors. The fact that I ca n't get these falsified records removed from my credit has cause me significant damage. I have been unable to obtain new credit when I have needed it. I have been receiving hostile phone calls from credit collection agencies stating that they are going to go into my bank account and steal my hard earned money. I have exhausted all of my options except for hiring an attorney to sue these companies which I could not possible afford to due at this time. I understand this is a relatively new agency and I hope that you will be able to help me with this situation. I feel like I am fighting a giant that does n't care or want to help me with this injustice.
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (MD)

Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from TD Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information. 
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Navient is my loan servicer. I also have some loans that are serviced by XXXX. Every year, I submit a renewal for my income-based repayment plan using the same forms and tax returns to both servicers. This year, Navient rejected my renewal, because I " chose the wrong option, '' and a representative informed me that I can only submit a renewal for income-based repayment 45 days before the expiration of my plan, and no earlier. She told me that it would take between 15-20 days to process once the renewal is submitted. This leaves me no time to correct any problems with my forms if they take 15-20 days to process my renewal within that 45 day window. I checked my loan document and it states that the first day I can renew is 95 days ( not 45 ) prior to the loan period expiration. The document does not have the date on which the loan period expires. I had the same issue with Navient/XXXX two years ago when I submitted my renewal prior to the 45 ( or 95 ) day window. However, I did not receive an explanation for my rejection, and the loan service operators gave me a different explanation every time I called. They also attempted to put my loan into forbearance although I made it clear that I did not want my loan to be put in forbearance. I wanted them to either process my renewal, or tell me if I am missing information which made it impossible for them to process my renewal. After several heated conversations with the loan service representatives, I was able to speak to a manager who processed my application for income-based renewal.
Consumer complaint received 2020-07-31
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: TD BANK US HOLDING COMPANY (MD)

I have a loan with XXXX XXXX XXXX, NORDSTM/TD, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, NORDSTM/TD, and XXXXXXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My estimated closing date is XXXX for a condo purchase ( today is XXXX ). All throughout the month I have been reaching out to Bank of America proactively to ask for status, to push for things to get done. For the past week, I have had to push even more because they could not come up with a closing date or provide an update on when my loan can be approved, even though I provided everything they asked me to provide. They provided me with a closing disclosure yesterday without explaining the urgency of me reviewing it ; it was only when my agent told me the importance and urgency that I realized if I did n't review it there would be implications. Luckily I reviewed it before the day was over. With 2 days to closing, and with the seller pushing for a closing date, and with me not knowing my living situation as my lease is expiring and I am to move out of my current unit by the end of the week, Bank of America 's answer is on my pushing for a closing date is as follows : " I ca n't tell you a 100 % date that this will happen because we are working as fast as we can to approve the loan. I believe there is greater than a 50 % chance that the loan will be final approved this week and an extremely high chance of final approval being done next week. '' Does Bank of America expect everyone to just be flexible with their living situations ( including my leasing office in my current unit, and the next tenant to move in ) and just pick up and go whenever they decide to come up with a closing date?? No matter how many times I pointed this out to them, my statement gets ignored. They tell me they have a backlog of applications to review. If they are so overwhelmed with applications, they should not accept that many to begin with! It is unreasonable to assume that a consumer should suffer and put their live on hold because of a bank 's " backlog '', and not provide a consumer with an expected date. For now, I have had to plan to rent a temporary accommodation and put my life on hold until Bank of America decides when it is of their convenience to come back with a closing date to us.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Illegal fees for account maintenance. Bank of america charging fees for maintenance of account without consumer knowledge. Spoke with consumer representative XXXX XXXX XXXX who has no knowledge of the issue. I ended up closing all the accounts with bank of america.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (CA)

AmSher Collections At around XXXX Pacific XXXX XXXX, 2017, I spoke with XXXX in the XXXX section, ID # XXXX. He told me it would take 15-30 days after payment for it to be marked as paid on my credit report. I requested a receipt after giving my credit card number and agreed to pay my debt. I also gave him my new mailing address. He stated it should take 5-7 business days for me to receive written confirmation of payment from AmSher. 

By XXXX XXXX, I had not received any receipt but had the payment to AmSher listed on my credit card statement. At around XXXX Pacific on XXXX XXXX, 2017, I spoke with XXXX and then his manager, XXXX XXXX. XXXX told me that " the letter was n't generated. '' I asked if a letter was sent out at all. " No, ma'am. '' He confirmed my new address. I asked if this was a widespread issue where AmSher does n't send out receipts. XXXX said no. He said he would escalate the issue to XXXX XXXX, Director of Operations, and the compliance officer. He also required an email where I could provide permission to contact me via email before he could send a receipt via email. 

I would like to file a complaint stating that the debt collection agency did not send a receipt for my payment, even after my request, and made me send a letter allowing permission to contact me via email before sending me anything via email.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (RI)

XX/XX/XXXX I received a call from Navient that I returned the following day while at work. The woman from Navient that answered my call told me that they needed the death certificate of my grandmother whom was my co signer on my loans. I understood that and said I would obtain this information. She then proceeded to tell me that my loan repayment plan - which I have been on since XX/XX/XXXX and have been making faithful, regular, payments in full without failure despite the hardship it costs me - apparently expired effective XX/XX/XXXX. She said that " If you answer a few questions I can help rectify this situation '' she asked me questions about certain monthly expenses I incur every month. I told her I was at work and could not answer these questions accurately without my statements at home. She insisted I answer her limited questions and I did so. She then tells me my " new plan application '' is denied, that I no longer can pay the $ XXXX/month that I have paid since XX/XX/XXXX, and that now must pay $ XXXX/month on my loans. She quickly noted that I can not appeal this determination. I was irate and went home and called Navient back with my expenses in front of me. XXXX ( Employee # : XXXX ) told me the same information and stated that unless I provided Navient with 3 months of bank statements, I can no longer pay my usual amount. Time and again I have told Navient that I simply can not afford to pay anything more than $ XXXX/month on my loans or else it will create a severe financial hardship upon me ( which it did the first time Navient misinformed me about my loans ). This has fallen upon deaf ears. I am a recent college graduate and earn XXXX / month. I incur {$1400.00} in expenses each month and that does not include the {$450.00} for my loan. After I pay my loan, I 'm lucky if I have even {$50.00} to myself to enjoy my life. I have nowhere else to turn to.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Bank of America to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Bank of America and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Bank of America DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything?
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

After reading the complaint and lawsuit from XX/XX/XXXX by the US Government, I want to formally voice a couple concerns I have with Navient. 

1. It was not until XX/XX/XXXX that I was made aware that my federal student loans had an option of income based repayment. I had a number of years where the loan was in forbearance and I was not aware of my options. 

2. Navient refuses to release the cosigner on my current private loans. One of those cosigners has been deceased since XX/XX/XXXX. It has been 7 years and no cosigner has been release even though I am on autopay. I have also raised my credit score to over XXXX points during this time period. It is time to release them. 

3. Navient continues to increase my smart option loan interest rate. This rate is over 11.5 percent at this point. Again credit score is going up as well as autopay however they continue to increase.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

So a few weeks back i went into my local td branch to get a new debit card made and to deposit cash, while i was inside i delt with a few different individuals at the branch in XXXX nj. I was assailed verbally while explaining that i didnt agree with a few service fees i was being charged, the bank had not only changed my account status from student to non without notifying me ( which changed the minimum account balance from XXXX to XXXX $ ) but ALSO changed their overdraft fees to make them more stringent, so that even if you made sure to bring the balance to XXXX $ the same business day, they would still charge you XXXX DOLLARS the following business day PER transaction regardless of how the account closed on the day it was over drawn. So i tried to reach someone at a corporate level, noone was to be found, was given the run around verbally, told noone would be available and then eventually told i would receive a call back from a rep within 24 hours, that of course didnt happen. So essentially i was told to shut up and pay the fees even though i was arguing that thety were unjust seeing as how i never received any literature on the policy changes and or signed off on anything, in relation to terms of agreement. the answer from them was literally, oh well it was posted on our website, WHICH is an unacceptable response.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (IL)

I consistently ensured timely payments, so I'm puzzled by an error in my credit report. 
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank will not accept my cash payment for my credit card. They want me to go and buy an I.D . or buy a money order from them. I have no job and can not afford either and the time before they charge me fees is too soon anyway. I 've spoken with an executive at the head office for credit cards. This will ruin my credit report and my future. Please help me! My name is XXXX. I 've tried all that I can do Reach me at : ( XXXX ) XXXX They will not respond to me even after I 've written a dozen times!!!
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC (TX)

Premium Asset Services has misrepresented who they are. They are rude, have used profane language, and have told me on several occasions they are calling from a law office ( Offices of XXXX XXXX XXXX. They act as though they are lawyers and threaten litigation. I attempted to set up a payment plan for my debt and they were not willing stating I have room on my credit cards to pay the debt in full. They will not work with me at all and then say that I " refuse '' to pay the debt which is FALSE. They also have threatened to contact my employer if I did not respond and pay the debt in full. They never told me who they were, I found out the company through my husband, whom they have also harassed. He had to continue to ask many times for them to say where they were calling from. They are telling my husband I have secret credit cards, and told him that we are pieces of XXXX. A different person calls me each time and from different phone numbers. They have stated my debt is 1 to 2 thousand more dollars then it actually is. They are harassing me, misrepresenting themselves, and constantly threatening me. They have caused great emotional distress and I am in fear that they have fraudulently acquired my SSN and personal information.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

payments were reduced, student loan is in forbearance. Please verify and delete it from my credit report. Government funded loans according to FCRA must not be reported. Please remove these trade lines US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX