davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

I have been paying Navient ( formerly XXXX ) loans for years, both for my own XXXX ( which is XXXX paid off ) and for my daughter 's XXXX school, XXXX College in XXXX XXXX. I have been receiving my statements via paper mail all of these years. Navient has stopped sending me monthly statements which is making it impossible to know how much is due, if the monthly calculation is correct, and making timely payments. I have repeatedly said I do not want email communication. Navient disregards my requests and sends out phony mail correspondence to me in order to pretend our conversation had a different subject, other than what I just described. Over the phone the phone reps acknowledge that monthly statements are not being sent, however when I asked for verification of their acknowledgement in writing they refuse. They harass me and my daughter at work with robotic phone calls even though they know they have not send out a paper statement. One such account XXXX all I get is quarterly payment letter reminders however I have no idea what is owed bc they have not sent me a paper statement in a couple of years. When I ask them who authorized a change with my account ( from receiving monthly paper statements ), they make up inconsistent answers to try and justify their actions of not sending me monthly statements. This is deeply frustrating, I feel harassed and feel this is extortion.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I have multiple student loans ; I have an XXXX Degree from XXXX College in XXXX, N.J., a XXXX Degree from XXXX XXXX College in XXXX, N.J. After my job was outsourced I decided to make a complete career change and go to XXXX XXXX College in XXXX , N.J. to become an XXXX, I made it all the way though school but was unable to Graduate due to financial issues- I need several hundred dollars to take a final test and independent study course and {$200.00} to take the XXXX exam. I simply could not afford those tests ; I was having minor health issues and I have been experiencing financing hardship. I would have preferred to make a small monthly payment instead of putting my loans into forbearance but I was told that forbearance was the best option for me. The interest on my loans has increased by about XXXX dollars in the past 4-5 years. How is that even possible? I am only working part-time. I have been trying to find a better job for over two years. However, my car is over 20 years old and is very unreliable, so my options are limited. Further, when I do find a job I ca n't see how I will ever be able to make my student loan monthly payments- which at this time are almost {$800.00} per month. I now regret taking out the loans and I feel like I was misled. I believe that XXXX/Navient purposely steered my toward forbearance, even though they were fully aware that interest on my loans would greatly increase, making it impossible for me to ever afford repayment.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

heya 10 years ago i was concerned about theft / fraud i contacted the credit report agency- was 2 apparently now 3? 
anyway i wanted a freeze on my credit I WAS TOLD I HAD TO PAY TO GET A FREEZE i did not pay and now everything is frozen i do not want to deal with them - apparently they lie and " steal money " just like a true criminal i did not pay for the freeze- i assumed there wou ; ld be no freeeze i do not know what to do i cant contyact them because they lie and try to dsteal my mponey -- right??
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (MD)

Over the telephone, I closed my several years ' long cell phone account with XXXX XXXX which I had been paying off in full monthly and for which I had no contract going forward. I paid the itemized bill that I received within a month 's time of the closing. Several months later having gotten no correspondence in the interim, I received a bill from XXXX XXXX for a single amount due approximately two month 's service, but with no itemization or explanation. When I attempted to review my account on-line it was no longer available. I took no action to pursue their charge, but XXXX has turning over what they perceived as a debt to a variety of debt collectors, the latest being Jefferson Capital Systems ( {$140.00} ). I went to buy a car about 10 days ago and while I did get the 0 % APR car loan, I was dismayed as to how low my credit score had dropped since I had last heard, about XXXX points. I requested my credit report today and while I do n't see XXXX XXXX, I do see Jefferson Capital Systems ( closed ) as another account citing the {$140.00} amount as a reported balance.
Consumer complaint received 2016-03-28
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

on XXXX XXXX, 2016, there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America, i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016, the only thing i applied for was a secured credit card. Bank of america pulled my credit report without my consent. So the company is engaging in fraud and identity theft. There is mutiple inquires on my credit report. so i decided to file a compliant.
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION (FL)

After filing case # XXXX with this agency, I received the attached. No correspondence at all. Just these XXXX pages. Again- they 've not only wrongfully accused me of not paying a bill but one that is over 5 years old which I 've never received!
Consumer complaint received 2016-10-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I have asked time and again for XXXX loan forgiveness, only to be denied because my loans are too old or in default. I have been a XXXX for 19 years, and would never change that choice. I have given my life to XXXX our country 's XXXX. Sadly, I have accrued almost {$140000.00} in student loan debt, and will die owing those loans as I can get no help. I was given no counsel when I took out the loans, and besides that, I was very young. The income based repayment plan expects me to pay close to $ XXXX. I can not afford that. The company takes into no account the other bills I have, nor the fact that I do indeed need money to live on as well. I can not get help because I make too much, based on the scale, however, I can not afford the payments either. I need help! The Income based repayment plan is unrealistic and I continue to be denied XXXX loan forgiveness. Please help me!
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We have been working with XXXX Mortgage servicing aka Bank of America for a mortgage loan that has been in arrears ( long story, Countrywide and BOA takeover ) and we have been trying to workout for 8 years. The current status is I contacted XXXX the end of XXXX to let them know we have a homebuyer that is pre approved and wants our home to move in end of XXXX. We did not receive any response except a certified letter of FORECLOSURE for XXXX XXXX on our residence on XXXX XXXX i contacted Shellpoint and spoke with XXXX in Loss Mitigation on XXXX XXXX and she said the payoff was sent to us and that we would even get relocation assistance with the Short Sale. She gave me the name of our Point of Contact, XXXX XXXX with XXXX and said she was sending out the paperwork, I asked for Short Sale and Deed in Lieu of Foreclosure, just in case. YESTERDAY XXXX XXXX, we received the paperwork for Short Sale. XXXX XXXX called after XXXX ( I had left him another message last Friday ) and he said he did not know anything about a Short Sale, that the home is in the process of a bank sale. I told him, it is on the website that XXXX is working with the homeowner for a short sale and he said he knows nothing about it, so I am enclosing that information. We have been strung out all this time with BOA and now we have a buyer and they want to rush to Foreclosure. I have 8 years of history, where do we begin? We want the opportunity to sell and resonable time to move. Thank you so much. XXXX and XXXX XXXX
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On 6 occasions in the last 5 months, my debit card has been declined for " unusual activity '' at Bank of America. I have called on numerous occasions to determine the reason for the fraud alert, as the transactions have always been in my local area, within what any reasonable person would consider normal activity, and for low dollar amounts. Upon an inquiry/complaint call, I had asked for a supervisor to research the reason for the decline and to return my call with the results. However, I did not receive any further communication from Bank of America. On a subsequent debit card freeze, this oversight was mentioned to the representative, but I was not offered a specific explanation as to why the transaction was deemed " suspicious. '' On the most recent occasion ( today ), I was told that the error was a " mismatch, '' which was explained as the merchant not using a EMV chip reading device. However, my card is swiped at many merchants, and these fraud alerts are not triggered. Furthermore, I have traveled to various locations in the US during my relationship with Bank of America, and never once has a single transaction been flagged for potentially suspicious activity. I contacted Bank of America to compile every occurrence in order to accurately complete this complaint, but I was told that Bank of America associates do not have access to retrieve that data beyond XXXX XXXX, XXXX. However, I was able to filter through my e-mail account and retrieve all e-mails that were sent to me on each occurrence of a suspicious activity alert. I feel that these declines were malicious and targeted, especially considering my warning to Bank of America that a complaint would be filed should this situation occur again. It is incredibly embarrassing to have a card declined at a merchant when funds were always available in the account and this has occurred on numerous occasions in such a short period of time. 

The dates this issue occurred ( since Bank of America is unable to adequately supply this information ) are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I find it ( and Bank of America should, too ) ridiculous that a consumer must experience so many issues with his/her debit card and that nobody took the initiative to research and provide a valid solution. This issue was left to continue for an indefinite period of time, even after frustrations have been communicated.
Consumer complaint received 2015-11-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CO)

There was false charges on my chase debit card, I called chase that evening after I found those charges. Later that month my claim was denied and I was out XXXX. The charges was made at the local grocery store down the street while I was at work. They claimed my signature matches therefore my claim was denied. I was at work and the card was in my possession. We disputed this charge XXXX called XXXX times and also escalate it to their senior management. They advised me there is nothing I can do to reverse these false charges and I will have to file a police report and handle it with the merchant. Chase bank does not provide the protection that they claim they say they do.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. 
XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my account.
Consumer complaint received 2015-05-01
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We settled a short sale agreement with Bank of America Home loan on both first and second mortgage and sold our home on XXXX/XXXX/XXXX through escrow and the title company wired funds to BAnk of America and paid off the XXXX loans. 
However Bank of America turned around and sold the second mortgage, which we had paid off back in XXXX to XXXX in XXXX and we got collection notice in XXXX from XXXX. We 've called and submitted closing & pay-off statement/documentation on both loans from XXXX XXXX XXXX XXXX to both financial institutions to get this resolved and filed official complaints. But we were either got ignored or told that it was not their problem. XXXX is sending us collection letters and negatively reporting us to the credit bureau on a mortgage that we paid and satisfied and it should not even be existed. 
Our credits were ruined badly and we are deeply distressed by this.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I have a large amount of outstanding student loan debt and being the first in my family to graduate from a four year university, I was completely not prepared for what I was in store for. Fresh out of college and being bombarded with delinquency calls when I did n't even have a full time job, I was overwhelmed. My father made 3 different payments of {$9500.00} and come to find out years later, they applied the payments as regular monthly payments which went completely to interest and not a cent to principle. I was n't made aware of this until years later when I ran out of forbearance options and they would not accept what I was offering them monthly. As a result they ended up charging off XXXX of the loans and the allowing me to enter into a repayment plan paying the same amount I was originally offered before they charged this off on my credit. I just feel as though they took me for a ride and paying the ultimate consequence because I was not properly Informed. They destroyed my credit only for me to make the same payments I told them was affordable from the beginning but was not good enough.
Consumer complaint received 2016-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Around 2006, I consolidated about {$3200.00} of student loans while attending college and working. University XXXX, which one of my student loans were through, added another student 's loan to my consolidated loan. 
I contacted the bank and Dept. of Education Ombudsman, after the total of my student loan account reached {$17000.00} of her past due student loans. They were added to my social security number along with her last name. I refused to pay anything until an audit was done on my account. I am still waiting. I want to return to college and pay off my student loans. 
The Dept. of Education did remove part of her loan amount. My wages were garnished along with past income tax refunds which never reflected on my account or who knows. I have requested for an audit and crickets. Please help me with this. I have proof of this incident happened, so please call me so that I can fax the sheet of paper to you.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX I wanted a free annual credit report from TransUnion. They ask for your credit card info to " Verify Your Identity '', I ended up being charged a monthly fee of {$25.00} for the credit monitoring service and three reports, not what I wanted! 
XXXX Cancelled the monthly service within hours of the " Charge '' for the service, now I want my money back! 
XXXX has120 ratings submitted in the last year, almost all are the same story as mine! 
" By not distinguishing the credit score and a credit report, the company preys on those who do not know that the 'free ' credit report is different from their credit score services and thus charge you! ''
Consumer complaint received 2015-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

This is the story of JP Morgan Chase and the multi-year long saga of the never ending document demand and " we 're reviewing your loan modification request '' lie. This is how the original borrowers from Washington Mutual were treated when Chase bought their loan portfolio several years ago. Incessant letters, lost documents, multiple account rep changes, misleading characterizations of what underwriters were doing, lies that your loan was suspended from foreclosure when the XXXX was actually proceeding to foreclose. It was the most horrible experience I would never wish upon anyone in this country. Not months of waiting for an answer about a loan modification-years- and it never happened. My logical request to make some good faith payments while awaiting a decision- denied. Loan counselors so inept as to basic mortgage practice- widespread. Wasted hours copying and sending the same information over and over to a black hole- I wish I could have those hours back in my life. Again, all for nothing. Chase- I do n't care about how busy you are, how many problems you have and all the lame excuses for not dealing with your customers in a fair and expeditious way. You wanted to become this behemoth enterprise so you deal with it. I 'm done with you after paying this loan off and you will never see another dime of my money come your way.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got a call from IRS saying I need to pay off my fine for Tax Evasion TODAY or else I would go to jail because there is a warrant for my arrest. Being tremendously scared I complied. Although in my head it sounded fishy and like a scam, I was just super worried and did what they told me. They said I could talk to nobody about this at all and I must be on the phone with them at all times. They told me to withdraw {$1500.00} from my Bank of America. After doing so I went to multiple XXXX and bought XXXX XXXX Gift Cards and then they redeemed the code on the back. I am fighting hard to get my money back because I believe I was a victim of this scam. I am so stressed out right now and Bank of America barely tried to help me at all. I want to try to do a " chargeback '' on my debit card if possible. I hope by writing a complaint here that you guys may be able to help me get my money back. Please I really need your help to make this possible. Thank you
Consumer complaint received 2016-09-23
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (TX)

I was contacted by XXXX XXXX at CBE Group. He would not identify why he was calling, or who he was, until after I confirmed my address. 

I have a bill that is in dispute with XXXX XXXX XXXX XXXX. I believe I am being wrongfully charged for an uneccessay procedure. I have contested this bill in writing and have requested more information about why I am being charged. XXXX XXXX has not yet responded to my letter. 

In my letter, I state that this bill is in dispute and I am not to be contacted by creditors. Moreover, I state that if they report this on my credit, it is to be listed as " disputed. '' This is obviously being ignored, as creditors are calling me repeatedly and have even attempted to contact my father at on old number of mine.