davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

For two years I have used auto pay to pay my student loans through Navient ( formally XXXX XXXX ), which are only configurable to the minimum payment. Several months ago I decided I wanted to pay more than the minimum - but am unable to pay a specific amount with auto payments. Thus, I stopped auto pay to schedule the payments manually. 

Over the last several months many of my student loan payments have been " refunded '' or not accepted ( paying via account I am positive has sufficient funds to make payment ). After making or scheduling these payments I have received confirmation numbers, and confirmed scheduling dates. From my perspective these payments were accepted, and credited towards my account. I have recently looked back to see payments not being credited to my account and extensive interest being accumulated. 

I have made payments over the phone that have been accepted over the phone, and then refunded for some reason. No emails, or notifications otherwise have alerted me that my payments were refunded. I have received notifications that my account has " needed attention. '' But no " payment cancellation '' alerts as I have had in the past with card errors, or other technical issues. 

Upon reading a recent article about similar practices happening with XXXX XXXX funded student loans I saw an eerily similar series of events taking place and I want to alert other people of these practices. It is intolerable that making financially smart planning decisions is not possible via Navient 's user interface, or even their customer service. I feel it is my right as a consumer to be able to automate my payments to any amount I desire. Further, it is also my right to pay with any means I see fit, however I am unable to use anything but a debit card, or bank account and routing number. There are pages upon pages of public forums from Navient users illustrating the frustrations with attempting to pay, and being unable. These practices further worsen the student loan debt problem that follows people in my generation.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (MI)

My loan went to default because I could not afford the payment so I negotiated a smaller payment when it was rehabbed and I went back to it being serviced they told me my old payments were restored and that I could GE forbearance for a year. Six months later now they are saying I 'm delinquent.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC (NC)

This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

I 'm trying to utilize the law that states I can request my payments to be allocated to my upcoming ( 0 % 12 month interest free ) balance transfer due date ( 2 months prior to due date ) so I do n't incur interest but Chase is stating they do n't have to do that. They still put it, along with the regular purchase balance due payment they require, to my regular purchases then toward the 0 % balance transfer. They sent me letters stating they are within the law. Can you help me? XXXX followed the 2 month prior rule so I assumed Chase did too, they have caused me large amount of stress.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

: ( Property Address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBalance : $ XXXXAccount : XXXX Min # XXXX ( Inactive! On MERSWHY IS my mortgage STATEMENT SHOWING I OWE over {$69000.00} in interest because the CHASE BANK refuse to take any my payments? Is this Usury and is this illegal over demand an amount?
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MI)

My daughter asked her Grandmother to co-sign on XXXX XXXX loans. The loans were sold to Navient. XXXX did not finish school because of the expense. She instead started working for a very large corporation who is paying her salary plus bonus. The only salary that XXXX can commit to is {$20000.00} per year. Her loan payments are {$600.00} per month. She tried to renegotiate, she tried to get her interest rate reduced but they turned down every request for assistance. She has a very good credit history with Navient. 
The problem is her Grandmother is XXXX XXXX XXXX and this company calls her 8 or more times a day starting on the day the loans are due. XXXX pays her loan payments with a paycheck that at times does not fall on the due date. They have told a XXXX XXXX XXXX women that the only way they will stop harassing her is if she gets a lawyer to send a Cease and Desist letter or give them her credit card number. XXXX does not have a 30 day late on her credit report. 

We have gotten a lawyer and we are sending a letter to this company. I do n't know what else can be done about the harassment of a co-signer. They said that legally they can start call her at XXXX and continue up to 8 times a day through XXXX. Its takes several days after a payment is made for the calls to stop. This is a XXXX XXXX XXXX women who is too afraid to not answer the phone and they know it. 

This story about student loans and Navient is a very common story. There must be a way to get this company to stop the harassment. No one requests to do business with them. People who take out student loans with the government are not given any notice or warning that the the loans will be sold to this company. 
Something must be done to protect people against this kind of harassment.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2014 someone forge my name for {$10000.00} on a check from a Chase Credit Card. This person deposited the check into her account at the bank she works at XXXX XXXX Bank, XXXX XXXX, FL ). I did not know about this until XX/XX/XXXX when I was hit with a Balance Transfer Fee by Chase Bank. Filed a Fraud complaint with Chase Bank and they stated that this is NOT Fraud. Chase Bank refunded me the Balance Transfer Fee and later recharge me. Both Banks Chase and XXXX refused to acknowledge that this was Fraud. This is Fraud under United States XXXX XXXX XXXX XXXX, XXXX and XXXX.
Consumer complaint received 2016-01-27
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Evergreen Acquistions, LLC (TX)

A guy named XXXX called me numerous times and from different numbers which XXXX of them was a local number when the company he says he works for us Evergreen Acquistions. He was very unprofessional and threatened to call my XXXX sheriffs office each time he spoke with me. And the last time he called me from a local number he yelled at me and said he was calling the sheriff and then hung up. I did without thinking and because he scared me at first I gave him XXXX of my debit card numbers. I ca n't tell if it is a scam or what only because of the threatening nature and unprofessionalism. Please help me find out if this is a scammer. Thanks. The address they are supposedly located at is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX. Email address egacq.com
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (DE)

I paid a debt to XXXX XXXX XXXX in XXXX of 2016. I disputed it as paid with Experian in XXXX of 2016. They did not remove the balance from my file. I have contacted XXXX several times and they claim they will have the item removed. It is still there almost 12 months later.
Consumer complaint received 2016-08-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (UT)

My Bank in which I and my XXXX Vet Son have been customers for years have had some issues with the new way of cashing checks by ATM Or by Photo Banking! This is CHASE Bank of XXXX, UT. I have had my Government XXXX Direct Deposit kept by them, because of a favor I thought I did for a neighbor? But his check was cashed under my account! And then the Bank took over a week or so and sent me a letter stating my Accounts and Son was closed for a fraudulent check, in which was n't written in my name? And a time before a lady who wrote a Rent Deposit Check was put into the wrong account so I transferred it from his into mine, but after they cashed it, they charged him {$650.00} but I 'm sure I had enough of personal money to cover it but it too bounced as a closed account! Yet the customer service say we have no rights? Then why would I allow this bank to keep my XXXX checks? I am totally behind in my bills and ca n't feed my children or clothe them for school! My XXXX is partially mental illness and this branch manager has not worked anything out to help us recover our losses! Please help! 
Sincerely, XXXX XXXX & XXXX XXXX. 
XXXXXXXXXXXX XXXX.
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (IN)

Yesterday, XXXX/XXXX/2015, after placing an order at XXXX, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called XXXX and they said that they did not put a hold or an alert on the card but that Discover card did. 
I then called back Discover card to find out what the problem was XXXX I have {$3700.00} credit line with only XXXX outstanding charge of about {$51.00}. ) I went around in circles trying to find out why this order was red flagged each customer service rep. including their so called 'executive office of customer advocacy ' gave me the same story, 'we do n't know. 
They also had the online order of {$51.00} in pending status but they took that down yesterday. I called the online store where the purchase made today and they told me that they had been paid for the order by discover card, but as of this morning there was no charge on my account. 
I informed discover card that after this order was complete that I would pay it and close down my card because I do need this kind of stress. My credit rating is very good with 100 % ontimepayments and I could get a better card anywhere. 
Today XXXX/XXXX/2015, I checked my online account and it was closed. Now I have no way of paying this. I usually pay online thru my bank account. I am a XXXX individual and this episode had been extremely stress full for me. HOw do I pay this bill and how do I know when it will be available if I do not have access to my account? I think that the customer service repsmay be trying to get even with me because I told them I was going to file this complaint. 
Please help me to figure out how to pay this bill and protect my credit rating.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I am trying to contact my bank regarding a dispute. I am calling the number on the correspondence I received in the mail from the bank. When I call, I get prompted to leave a voicemail for the Merchant Disputes XXXX department, but the voicemail system then plays a message that says the mailbox is full. This has happened several times over multiple months. I called the customer service number for my bank and got a transfer to the disputes department ( onshore ), and told them that I was trying to reach the agent working my dispute offshore. I gave them the same information from a letter I received, dated XX/XX/XXXX, and they were also unable to get through. The number is XXXX.
Consumer complaint received 2016-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (MI)

I 've tried repeatedly to reduce the interest rate on my student loans, have been denied and advised to take out a personal loan. With a bankruptcy on record, this is not an easy endeavor. I have paid {$21000.00} in INTEREST on my student loans ; {$3400.00} has been applied to the principle. This is absurd, and I will NEVER be able to pay this off w/out getting a personal loan - which I should NOT have to do. I worked hard to earn my degree, and have a stable, steady job XXXX. Apparently, because my payments are not XXXX % of my total monthly in come, I do n't qualify for any of Obama 's current programs. I feel like I 'm just XXXX, and have no way out. I am submitting a complaint because I think being locked into an absurd interest rate because of the US Government is just ridiculous and totally unfair. I thought the point of earning my degree was to enhance my career and future. All this has done is hold me back.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

XXXX items were erroneously entered on all there credit reporting agencies. All XXXX issues were disputed at the same time with each reporting agency. Upon investigations by XXXX and XXXX all XXXX entries were removed in their entirety. XXXX has failed and refused to correct the same issues. Moreover, they have failed to respond in any way regarding these disputes.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

It has bee over 60 days and no response from the Equifax. Please have to correct or remove this information ASAP! As I can not get credit do to this errors. 


XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Equifax XXXX XXXX Imply an investigation on the creditor, payment status, high credit, and the 24 month payment history. 
XXXX XXXX XXXX XXXX I am puzzled on this accounts information such as the payment status, comments, high balance, and terms. 
Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX Can you make sure my name is presented completely. 
Update. XXXX XXXX XXXX A verification is needed on the status, comments, and the payment history. 
There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX HM MORTGAG XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixing this kind of stuff. 
XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : XXXX
Consumer complaint received 2015-09-01
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I recently went to cash a check at a XXXX, MA branch of Bank of America. It was a BoA check made out to me. They asked for my photo ID, which was reasonable, which I provided. They then stated that in order to cash the check, I would need to submit to fingerprinting. There was nothing on the check stating that in order to cash it, I would need to submit my biometric data to a corporation. I felt that this was an unreasonable breach of privacy and offered to provide a great deal of other ID that I had on me such as credit cards, driver 's license, social security card, etc but nobody would cash my check without a fingerprint. I should n't have to be made to feel like a criminal for simply trying to cash a check from that bank without having to submit my biometrics. I would like to see the CFPB pass a regulation forbidding this practice as it is an unreasonable breach of privacy in order to accomplish a task so mundane as cashing a check.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PR)

I 'm trying to join the XXXX, during my recruitment process, they did a credit report check on me. They found some information that does n't belong to me. XXXX different accounts from telecommunications services and/or cellphones companies. Please, I need help resolving this issue.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I am a XXXX year old widow who has resided in the same home since 1977. I have gone through a few financial problems but am now finally getting my life back on tract after a few setbacks. My problem that is I have been with the same mortgage company for many years and have been paying an outrageous interest rate of 8.29 %. I have contacted them on a number occasions to see if I could do a refinance to get my interest rate lowered to what it should be, but each time I was denied for one reason or another. I even tried the HARP loan which I was also denied for. I have maintained my property well and have not been late on my mortgage for a few years and I think I deserve a reasonable interest rate. Would you please help me. I am struggling with this issue and do not know who else to turn to. thank you for any assistance to can offer.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MA)

Attended an online university as well as a normal brick and mortar school. Realized the education being offered was not quality and was not teaching me anything more than general knowledge that could be found anywhere. Teachers were not real. My wife and I attended the same university at the same time. The online professors were giving us the same responses verbatim proving they were not actual responses. I feel tricked and wronged and I do not feel entitled to repay the amounts as I never recieved what I was attempting to pay for.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I had an account with XXXX XXXX. In XXXX 2014, the account was closed because I moved. Later, they sent me a refund check in the approximate amount of XXXX. I never heard from them after that. Recently, I received a collection notice from XXXX XXXX XXXX. I then contacted XXXX during the validation notice period and paid the account in full. I was told the account would NOT result in a negative entry on my credit report. Several weeks later, XXXX reported the collection account. I contacted them and explained that the account was paid, provided them with proof of payment, and was told the entry would be deleted. As a back up, I filed a dispute with Equifax , including the proof of payment with the dispute. Equifax said they verified that the entry was being reported correctly, in spite of proof of payment supplied to them. 
XXXX XXXX, XXXX, and Equifax are responsible for an entry on my credit report that has severely lowered my credit score. In spite of direct verified proof that the entry is inaccurate, and in spite of repeated attempts by me to resolve and remove the entry, they refuse to delete the inaccurate entry, and I have been damaged.
Consumer complaint received 2016-02-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WA)

Got a " update '' of the Deposit Account Agreement. Here is a copy from the document : " WE ARE UPDATING OUR DEPOSIT ACCOUNT AGREEMENT On XXXX XXXX, 2016, we will publish an updated version of our Deposit Account Agreement so that it is easier to understand. The updated agreement will be available on XXXX, at a branch or by request when you call us. 
Please read the entire document, paying special attention to these sections : - Deposit Records and Receipts ( page XXXX ) : If you deposit an amount that is higher or lower than what is on the deposit receipt, we are not required to adjust your account for discrepancies of {$10.00} or less. See below for the full paragraph that has changed. '' This seems a unilateral and unreasonable change in the contract for banking services.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$8400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.