davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX I called Navient to discuss why the previous month they took {$690.00} from my account last month and schedule a payment for this amount for the upcoming month when I am supposed to be on the rate reduction program. I have been on the reduction rate program for a couple of years now. In XX/XX/XXXX I was sent paperwork to reapply which I filled out and sent back to Navient on XX/XX/XXXX. From XX/XX/XXXX until  now no one called to follow up on the paperwork like they normally do which triggered my phone call for today. 
Upon calling Navient I was transferred to five different departments and when I finally go to the correct department, a gentlemen got on the phone and told me that I was not eligible for the reduction program. He also told me that I was entitled to a refund since the full payment was taken from me last month " company protocol '' and wasn't sure why no one took care of it for me. Therefore when I asked " why I did not qualify for the program anymore '' he was unable to tell me so I asked to speak to a supervisor. Once she got on the phone she told me that I did not qualify for the program and when questioned " why '' she stated that the back office picks and chooses who qualifies and she did not know why or how I was chosen. And according to cooperate they are not offering rate reduction programs for people anymore. She had not options to offer me. And ended with that if I don't pay they will come after me legally. Then the phone call was over.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I cant talk to Capital One on XX/XX/XXXX pertaining to my payment on XX/XX/XXXX theyre saying that my payment was returned to see if that the funds from my bank that is incorrect because number one when they got authorization on XX/XX/XXXX they received authorization code I spoke to a young lady and I asked her I said well you are processed my payment did you were did you not receive authorization code she said yes so she proceeded to go on she know what she was talking about so I asked her to give me till supervisor so when I asked him I said well you are processed my payment on the XXXX did you or did you not receive authorization code he told me that they did not receive authorization code so I asked him who was XXXX him a XXXX he was very rude very nasty and told me they were talking to him anymore I can hang up the phone I would just try to rectify So at this point I want to have a siccation shell be done and I want all phone calls to be poured that took place on today and XX/XX/2018 XX/XX/2018
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (IN)

I was scammed, by an individual, who also scammed, many more people! The Dept of Defense, Attorney General 's office, is investigating! 
Discover Card and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX without, my name on a signature card! XXXX XXXXXXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by Discover Card! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

One Main Financial calls me four to five times a day. I work during normal business hours and can not be contacted at work. They reach out to my husband as well. We receive several calls and voicemails a day. I have voicemails releasing private information. The voicemail states they are contacting me on a past due balance. They need to speak with me on my account it is urgent. They have left the date my payment was due. I have made contact and scheduled a full payment and they still continue to call. My payment was due on XX/XX/XXXX, today is XX/XX/XXXX. I understand if I have not spoken with anyone or made a commitment but I have.
Consumer complaint received 2019-06-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

XX/XX/2019 : My family and I leased the car for {$250.00} per month, which was due on the XXXX of every next occurring month. 

Around End of XX/XX/2019 : Toyota Financial Services ( TFS ) called us and said that they didn't receive the payment although the bank statement proves otherwise, showing that it was deducted. 

XX/XX/2019 : The monthly payment was refunded. This is an important detail, although seeming minor. 

XXXX, XXXX, XX/XX/2019 : They took the monthly lease for the car successfully. 

XX/XX/2019 at XXXX XXXX : They towed the car away and said that we didn't pay them for three months of the lease. 

XX/XX/2019 : We payed {$1200.00} through the phone using a debit card. For the tow services we payed {$130.00} cash. 

In summary, the company relentlessly refused to acknowledge that we payed for the car despite sending our bank statements to TFS which was enough proof. They refunded the XXXX payment on purpose so they have a reason to tow the car, as their policy states that our car can not be towed if we payed for three months consecutively.
Consumer complaint received 2023-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Loan types and Dates of disbursement : Direct Plus loans : ( Reviewed on Federal Student Aid website ) XX/XX/XXXX - XXXX XXXX XXXX XXXX, 5.3 %, {$10000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 6.28 %, {$15000.00}, status : repayment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 7.54 %, {$12000.00}, status : deferment XX/XX/XXXX - XXXX XXXX XXXX XXXX, 8.05 %, {$9800.00}, status : deferment Unsubsidized loans : ( Grace period ends XX/XX/XXXX per Federal Student Aid website ) - Direct unsubsidized, 4.53 %, {$3600.00}, status : grace period - Direct unsubsidized, 5.05 %, {$3000.00}, status : grace period XX/XX/XXXX - Direct unsubsidized, 4.3 %, {$20000.00}, status : grace period XXXX unsubsidized, 5.28 %, {$20000.00}, status : grace period XXXX Direct unsubsidized, 7.54 %, {$12000.00}, status : grace period XXXX Direct unsubsidized, 6.54 %, {$10000.00}, status : grace period Dates/ Timeline correspondence with Nelnet : XX/XX/XXXX - Graduated from graduate program XXXX 

XX/XX/XXXX - Notified my XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  and XXXX are in repayment and groups XXXX  and XXXX are in deferment via email from Nelnet. Email stated repayment starts on XX/XX/XXXX. 

XX/XX/XXXX - Emailed nelnet to ask for clarification. Received email saying they are unable to reply to emails due to unprecedented email volume. 

XX/XX/XXXX - Called Nelnet help desk 3 times during open hours. Reported hours are XXXX per Nelnet website XXXX Received messages that call center was not open. 

XX/XX/XXXX - Called Nelnet help desk and waited over XXXX hrs with no response. Reported hours XXXX. Received automated wait message with no contact with help desk. 

XX/XX/XXXX - Emailed Nelnet and recieved the same message from before. ( A total of XXXX email attempts were made from XXXX ). 

XX/XX/XXXX - No action/response by Nelnet at this time. 

XX/XX/XXXX - Payment is reported to be due.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (CA)

Credit card is issued by BBVA Compass. 

In XX/XX/2019, I made online payment in amount of {$300.00}. BBVA debited my checking account electronically on XX/XX/2019 for the amount. On XX/XX/2019, BBVA electronically debited again in the same amount, {$300.00}, from my checking account, which I did not authorize. 

I immediately contacted BBVA and complained. BBVA service person stated BBVA would not allow electronic refund, and BBVA would mail a refund check which would take two weeks. It took twenty days for me to get the money back. 

In XX/XX/2019, I made online payment in amount of {$570.00}. BBVA debited my checking account electronically on XX/XX/2019. On XX/XX/2019, BBVA electronically debited again in the same amount, XXXX, from my checking account, which I did not authorize. 

On XX/XX/2019, I noticed the second unauthorized payment and contacted BBVA. BBVA service representative, XXXX, was unable to explain why this happened, and again BBVA would send refund check via mail which would take two weeks. I talked to XXXX 's, supervisor, XXXX ( XXXX ). XXXX was unable to explain why my checking account was debited twice. XXXX stated BBVA would  not refund electronically and insisted I accept the refund check via mail, which would take two weeks. It took considerable amount of time and arguing on my part to have XXXX to make a request an electronic refund to my checking account. XXXX did not know if her BBVA supervisors would accept her request for electronic refund, and if BBVA does not accept her request, I would receive refund check via mail in two weeks.

I believe BBVA is negligent in handling and managing account transactions, BBVA did not know why my account was debited twice, and BBVA did not offer a reasonable resolution. BBVA, while service representatives were cordial and polite, did not care for its customer 's financial wellness. BBVA caused the problem but refused to make reasonable resolution nor assume responsibility. BBVA 's manner of running its business was reckless and irresponsible.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

In XX/XX/XXXX, I called Franklin American Mortgage company to understand the removal process of PMI. The representative requested my pay {$2100.00} under principal to reach 20 % of my loan amount. I paid and requested amount to remove my PMI. The lender provided me a mail id and asked me to send a mail ( no procedures given ). I spoke to customer care couple of time and chat with them on XX/XX/XXXX. There is no proper response from the lender/CC to remove the PMI. I sent multiple mails to XXXX. No response. There is no direct number to discuss on this regards. For the past 3 months I have been paying my PMI even after reaching 20 %. Lender says it will take 2 monthly to get reply for the mail. The ticket I opened with the lender got closed. Federal should take corrective action to save barrower from this kind of issues.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2016-03-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION (NE)

I opened a joint-owner credit card with the Pentagon Federal Credit Union in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} XXXX XXXX in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and XXXX and PenFed came back with both credit limit as correct and the account is still open. When I called PenFed, they agreed the card was closed but refused to correct their mistake.
Consumer complaint received 2019-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (MA)

XXXX of XXXX, Massachusetts Educational Financial Authority & XXXX XXXX XXXX XXXX ( MEFA/XXXX ) sold my accounts to XXXX ( XXXX XXXX XXXX ) without any notification of the change. My credit report reflects payments were made and completely up-to-date up to XXXX of XXXX. I found out that my loans had been sold when my payments were not being processed as they had in the past. I contacted MEFA no one could provide me with any information about my accounts other than they had been sold. When I contacted XXXX, no one could find my information or how to pay. During this time, I did not make monthly payments due the lack of clarity and the potential of the {$350.00} payments to be lost in a paperwork shuffle or having to pay both MEFA and XXXX until they straightened out their act. I was also told by MEFA during this period ( XXXX, XXXX & XXXX ) any non-payment would not be reported to the credit bureau as XXXX did not receive approval to send refinancing papers to clients. This whole situation was very concerning, and I made several attempts between XXXX and XXXX to find out where my payment should go, however neither MEFA or XXXX could clearly get this addressed. 

XX/XX/2018 : Noted that our MEFA payment was not processed as it normally had. Contacted MEFA Customer Service - Told that they were having processing issues to call back the following week. 
XX/XX/2018 : Contacted MEFA again - no answers as to why our payment had not been processed. Reassured that there would be no reporting of non-payment for XXXX, XXXX & XXXX as XXXX didn't receive approval to send out refinancing paperwork to clients. 
XX/XX/2018 : MEFA again - " Information should be sent out to borrowers within the next few weeks '' XX/XX/2018 : MEFA again - " no approval as of yet for XXXX, call back in another week. 

Based on the facts : 1 ) Loan was transitioned to a new company without my knowledge 2 ) For 3 months, neither MEFA or XXXX could provide any information regarding my loan or who I should pay, or where to submit payment! 
3 ) MEFA on multiple occasions told me that non-payment would not be reported to the credit bureaus due to their handling of the situation. 
4 ) I am currently up to date on payments and caught up on the 3 missing months!

5 ) I have XXXX children in college this fall with 1 more to go and I need to borrow to help them pay for tuition. This situation should not affect the interest rates I receive, or limit my ability to help my children financially.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Companies Involved On Report- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-whom the complaint is about. 

The issue is with the non-response to the help I need in dispute and clear my record. No one on this report knows who XXXX is, they think they are the hand of XXXX just the same. I can not get a checking acct from any bank with this info on my report. XXXX  told me they couldn't help me and I needed to call each company on the report and I did that and was pointed back to XXXX. I want them to be spoken to about disputes for consumers.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (LA)

On XX/XX/XXXX and XXXX XX/XX/XXXX two payments to XXXX was made In the amounts of XXXX & XXXX a dispute was put on the account on XX/XX/XXXX after a misunderstanding with Credit Karma Customer Service Agent . It was also understood that it was to be removed .However the dispute wasn't removed from account as stated and it went through. Funds were sent back from XXXX to Credit Karma. XXXX notified me XX/XX/XXXX that funds was sent back to Credit Karma. I called Credit Karma and informed them due to dispute funds was sent back to them from XXXXI was told funds should be back in my account in 5-10 buisiness days from when XXXX first informed me funds was sent back.i contacted Credit Karma again I was informed that dispute was canceled and a provisional credit could not be given since dispute was canceled after that response I called them and was told by a supervisor to provide proof that funds was sent back to Credit Karma before a credit could be issue I provided proof through link sent to email for both payments that was rejected. I was than told a credit should be in my account within 72 hours if approve my case was being escalated to a specialized department if I have any further questions I could contact them through email. I didn't hear anything back from them. I called several times over a course of days I was asked to provide diffrents things something called a trace id number from XXXX in which I was able to obtain both trace id numbers and provide them sent over my ID and several escalations later still nothing. Last conversation was raised emotions I taped it he basically told me it could 60-90 days and I need to stop calling and emailing cause I'm pushing the time frame out more. Now as of XX/XX/XXXX I'm sitting in the dark with my kids and still out {$970.00}. I provided all the proof talked to all the managers sent multiple emails chats and nothing.
Consumer complaint received 2022-12-14
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (GA)

I purchased a couch from XXXX furniture on XX/XX/2022 through the store XXXX named XXXX XXXX, the couched was delivered XXXX the XXXX with a tear, stains, XXXX different cushions, slip cover was to big for XXXX side and the couch appeared to of been dropped as it sinks in the middle. Ive tried to get them to replace the couch as I stated to my credit card company, Ive reached out XXXX times with my credit card company following up which is documented through XXXX cards which they stated they spoken to the merchant at the store on XXXX occasions. The XXXX  time the merchant told XXXX card that they replaced the cushion and slip cover which was not true, on the XXXX occasion the merchant told my credit card company that they sent a whole new couch which is also not true. through XXXX furniture a tech was sent out from the manufacturer of the couch, the tech stated that my whole couch needed to be replaced. they refused to replace it and my credit card company closed the case unknowingly to me till I called back with new information and they stated that they closed the case because a merchant of XXXX furniture that they replaced my couch and the credit card company did not let me explain that I did not receive my couch and now the refund is back to the merchant and theres saying theres nothing I can do about it. I need help in this matter because this is still ongoing and Im stuck with a couch I do not want that is damaged we have already spoken with the merchant and nothing is being promised about a refund.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : BANK OF AMERICA # XXXX OPENED : XX/XX/XXXX XXXX. XXXX BANK OF AMERICA # XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (NY)

On Friday, XX/XX/XXXX my wallet was lost. I assumed I had left it at work until Monday morning I woke up to 2-3 fraudulent charges. I called the bank on XX/XX/19 and was told I had to wait for the transactions to fully settle before disputing, fair enough. On XX/XX/19I replied to a message regarding a dispute I had filed a week or so prior for merchandise not received, and advised that I needed to dispute the 2 transactions now that they had settled. I still have not heard back from this message, so I called on XX/XX/XXXX and was finally able to dispute the transactions. 

Per Regulation E I am entitled to a provisional credit while they investigate given their investigation is going to take longer than 10 days. I believe the bank is not following the regulation as I have not received a provisional credit for the dispute filed on XX/XX/XXXX nor the original dispute for merchandise not received which was filed on XX/XX/XXXX and confirmed by the bank on XX/XX/XXXX via the message I replied to but have not heard back on. 

I've reached out to the financial institution both via phone, email and via social media and have been dismissed each time. I am filing an official complaint not only because I believe I deserve the credit, but also because I believe the bank itself is in violation of this regulation with other customers as well. I urge you to look into this bank entirely, not just for my case.