davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NC)

I did the real-time transfer of {$1000.00} from chase bank XXXX XXXX XXXX Bank XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX. I followed up from both banks as my money should have been available on the same day, but both banks were blaming each other. 

Chase claimed funds are already deducted at their end, and XXXX is keeping it on hold. 

XXXX claimed they are receiving bank and have no role in this transfer. 

I was following up daily with both banks and they were not providing me with any details, like the final transaction number. How many banks are involved in between? 

I received the money in XXXX XXXX Bank on XXXX XXXX at XXXX XXXX XXXX. 

Even after that, both banks have provided no reason where my money was for all this time who was holding it up, and why it was held up. I went through so much mental trauma because of this. At XXXX point I left the hope that I will receive my funds ever. 

I will need your help to know the reason I had to go through this whole mental trauma, why the bank was hiding the complete details, and in this kind of situation why the customer needs to follow up, isn't it the sender 's bank ( Chase ) responsibility to ensure the safe transfer of funds?
Consumer complaint received 2023-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I am seeking further information or escalation about why my 501c3 ECF is stuck on " Processing '' after my public school ECF was moved to " Processed '' much quicker and reflected in the Payment History. 

The employer that has not been Processed as of XX/XX/23 is a registered 501c3, appeared on the FSA Employer Search Tool, but lacked an accurate address. Here is their address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX - XXXX Processing this ECF/employer is crucial for my Payment History/Count to be accurately reflected ; I believe I will be at or right near 120 payments after this update, and am trying to have PSLF processed before I start a new job in XXXX. Thank you!
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WY)

Contacted my student loan servicer Mohela XX/XX/XXXX to inquire about returning to payment XX/XX/XXXX with my income driven repayment plan ( SAVE ). As of my knowledge in XX/XX/XXXX I logged into my Mohela account and my payment due was double that it was supposed to be under the IDR ( Save ) agreement. Approximately went from XXXX $ to XXXX $ without any notice, correspondence or reason as to such. Contacted MOHELA XX/XX/XXXX to ask about my PSLF Employment Certification which I submitted in XXXX of XXXX, and was effectively discussed 90 days later from that initial submission as it was marked as a " duplicate form. '' Customer representative on XX/XX/XXXX ( have recorded phone call, ) indicated that these types of errors, " just happen, '' and further advise me to submit an additional PSLF Employment Certification Form, of which I already had after looking at my account and seeing that Mohela completely dismissed my initial PSLF. I submitted another manual PSLF in XXXX, had in signed by my government employer, and it has been nearly 90 days and the form is still " processing. '' I have never received any billing statement correspondence from MOHELA either through the mail or electronic means ( email, secure messaging, etc. ) I was told my refund for XXXX and XXXX refunds due to their negligence as imposed by the department of Education would take 60 days, however there is no written correspondence to indicate this actually happened, only a customer service representative whom claimed she processed it on XX/XX/XXXX. I'm very troubled by the lack of transparency, nearly absent correspondence, related to my actual income driven repayment plan ( SAVE ), and especially as it relates to my monthly payment plan doubling within about a week following my most recent payment of XXXX $ on XX/XX/XXXX.
Consumer complaint received 2023-04-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experience has failed to respond in a timely manner to my dispute letter of XX/XX/XXXX and XX/XX/XXXX deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

A complete investigation was never done. It was past the time and they continue to not have a complete investigation. They send me letters that dont believe its me and Ive verified its me by sending proof.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX  Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: South Coast Doc Prep (LA)

South Coast doc was supposed to be helping me pay off my Student loans. FAFSA said they don't work with third parties after I filed a complaint with them. On debit card ending in XXXX {$180.00} was paid debit card ending in XXXX {$47.00} was paid debit card ending in XXXX {$1400.00} was paid. After finding out Fafsa wasn't working with them. I stopped payments. They are now still requesting payments after my loans are paid off.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Danco Financial Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Applied Bank I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only.

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-03-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NM)

For the past 6 years my mortgage payment including escrow has fluctuated between {$1200.00} and {$1400.00}. My most recent statement from Nationstar mortgage states they are raising my payment to {$2200.00} ( we have a fixed rate ), and I have a {$6500.00} escrow shortfall. How can a mortgage company justify such a huge increase, we borrowed the amount we did because that is what we can afford, now they are trying to charge us an amount that would be sufficient for a $ XXXX house when we only borrowed $ XXXX, this is almost double and highly impractical. I do feel that both our mortgage company and home insurance company are practicing predatory lending and unfair charges. I would like to have both companies contacted ( which I 've done ) to find out how they justify these extreme price/payment increases. Below is what I 've sent to the mortgage company already. 

How do you end up with a shortage of {$6500.00}, when that is the yearly total of my insurance and property tax? There is definitely something fishy with your estimation and payments of my ins. and tax. For instance my insurance is due once a year for a total of {$5100.00}, which you paid in XX/XX/XXXX or XX/XX/XXXX, and my property taxes barely exceed {$2000.00} for the year. If you paid these already there is no way I 'm that far in the whole. Secondly, how do you expect a borrower to just come up with {$6600.00}? And charging {$1200.00} a month for escrow is insane on a mortgage that is barely $ XXXX. You have definitely made an error somewhere and you need to recalculate. I 'm going to write the FCC and any and all other governmental agencies that monitor Mortgage lenders and protect borrowers from predatory lending as this is not fair at all. You may also want to consider contacting my insurance as they mistakenly billed again the {$5100.00} in XX/XX/XXXX or XX/XX/XXXX which I called them on and they reversed as it was paid in XX/XX/XXXX or XX/XX/XXXX, if you paid that twice that would explain the shortfall and that should not be passed on to my wife and I in such an extreme matter as you are doing. Either Nationstar or XXXX need to improve the payable & recieveable departments or both!
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

Sent the office of Consumer Advocacy the following about PHEAA employee XXXX. The company appears to be ignoring my complaints. I feel I'm being treated unfairly or discriminated against because I make complaints. The company is using retaliation against me. 

XXXX XXXX XXXX XXXX ( 6 hours ago ) to Office FYI XXXX The conduct of this employee over the phone with me on XX/XX/2024 was unbecoming of someone who is getting paid to be professional. I would recommend following the appropriate recourse for disciplinary action because the employee 's tone as well as the overall demeanor of the employee was that of a jokester. The employee refrained from taking my concerns seriously and used sarcastic monotones in just about every statement that was made. I believe there are inferences of conflicts based partly on whether or not I have made complaints against the employee in the past. Some of your employees are using aggression against me as a result of my dissatisfaction over their performance as a " professional representative ''. Statements that have inevitably been used over and over ( which I find to be used as somewhat of a sarcastic insult ) are : 1 ) I'm sorry you feel that way 2 ) I'm just doing my job I also hear snickering in the background on occasion as well as TVs playing and things that would discourage any employee from doing actual work or taking their attention away from what they SHOULD be doing while getting paid. 

I have also forwarded this complaint over to : XXXX XXXX XXXX As well as the PA Attorney General 's office, the PA Governor 's office, and my State District Senator. 

Thank You. 
XXXX XXXX
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone unknown to me gained access to my XXXX XXXX Account via my Bank of America debit account info and withdrew a total of XXXX from my account. There were XXXX total withdrawals between XXXX XXXX XXXX XXXX, 2023 from a XXXX, CA Bank of America noted as the XXXX ' location. I was out of town in XXXX XXXX when the monies were fraudulently extracted from my account. I contacted Bank of America immediately and they put in a fraud claim on my account however they advise it could take up to 90 days to resolve this issue and could not guarantee that the funds would be replenished even after that time frame.I am in need of an immediate solution as I was to use those funds to cover my XX/XX/2023 rent. I will face eviction if the funds are not replenished in my account immediately. Thank you for your consideration and prompt reply.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX held $ XXXX in pending, due to an investigation and signature verification on three checks. I explained to XXXX XXXX that it was a fraud and to return the monies to my Chase account. XXXX XXXX told me to contact Chase and open a claim. Chase refused citing that written checks do not have the same priority as wire transfers and the payment to the receiver must take place. Instead of preventing frauds, banks are allowing fraudulent transactions to take place.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (PA)

On XX/XX/XXXX my credit karma spend acct was hacked and money was transferred from my acct to another. {$27.00}, {$99.00}, {$190.00}, {$190.00}, {$190.00} was stolen. I contacted credit karma and had to verify my identity and was told someone would contact me about what to do next. No response. I used the chat and called them few days later which eventually led to me regaining access to my acct. was transferred to the higher ups chat was disconnected and I did my own research on what to do. The app would not allow me dispute the charges and said to call. I called went through the verification process to prove my identity and was told the dispute was filed and given a number I didnt receive any calls or messages again. I called a few more days later and was told Id receive a provisional credit in a few days. During that time I received a new debit card and activated it. On XX/XX/XXXX, I attempted to call but was unable to be connected to a live agent and a few hours later the provisional credit was deposited. XX/XX/XXXX, credit karma closed that card and issued a new card without informing me, they apparently changed the spend acct agreement which I was notified of today during a chat when I asked why I was being blocked from transferring my funds. No one is returning any calls or emails and the chat is giving me nothing but pathetic excuses as to why they have made it so difficult to utilize my funds. They arent informing me on anything regarding my claim and are preventing me in every way possible to access my money.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-04-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (FL)

Around the beginning to mid XX/XX/2023 I received a letter from Harris & Harris Limited. Its an attempt to collect a debt they claim I owed to XXXXXXXX XXXX  in the amount of {$89.00}. There is no date on the letter. The letter states that if I dispute it I have to contact all kinds of people and jump through all kinds of hoops. I dont have to prove anything. If they claim I owe the debt they need to prove it not me. I am not jumping through any of their hoops because I know for 100 % positive I do not owe XXXX XXXX any money. I have a good relationship with them and I have a XXXX balance I havent even been to their office in several years. 
When I tried to contact Harris and Harris and advised them that it was fraud, they hung up on me. I called back again and notified them that I was filing complaint and they hung up on me again. Nothing on their letter is accurate or true with the exception of my name and address.
Consumer complaint received 2018-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

I was steered by XXXX XXXX XXXX to take out student loans through Sallie Mae ( i.e. Navient ) that totaled roughly {$16000.00} at the time I graduated with an XXXX XXXX XXXX in 2007. At that time, I was told that the only work in my field ( XXXX ) that I was qualified for was as an unpaid intern ( at multiple job interviews ). I have never worked in my field of study, and sadly, I never will. Through the next few years I struggled financially, and Sallie Mae was more than happy to grant me a forbearance, never telling me that I could have qualified for income driven repayment that could have saved me alot of money. My current payoff is now over {$33000.00}. I contacted Navient last year and offered to pay off the original debt, but they could not be swayed to forego the ridiculous amout of interest accrued ( and still accruing ). Thank you.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo continues to charge excessive fees, well beyond anything reasonable, despite recent settlements with the government. It seems that they are not currently abiding by the terms of that settlement. They abuse customers by creating a cycle where customers must continually overdraft their accounts, to recoup what Wells Fargo took the prior months. Even if you want to dig yourself out of the hole Wells Fargo created with excessive fees, you cant. XXXXXXXX XXXX XXXX or last minute bill restarts the cycle again, then more and more fees. All I am asking is that they refund the fees. The amount of fees theyve taken over the 20 years Ive banked with them far exceeds any amount I have currently or even could ever overdraft. They are literally stealing from our nations most fragile, sick and XXXX people such as myself, and even the elderly. Their system is set up in a way that takes advantage of our nations poorest and most vulnerable. Its both unfair and discriminatory to those of us facing XXXX XXXX XXXX XXXXs. Im sick and inflation is making it impossible to navigate on a fixed income, then Wells Fargo piles on with fees. Please assist in protecting those of us that are sick and XXXX from the predatory and discriminatory practices that Wells Fargo makes us endure. Because at this point, it genuinely feels like Wells Fargo discriminates against the XXXX by forcing excessive fees on those with fixed income. Their lack of compassion for those of us that are sick and struggling is unreal.