davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

Upon graduation from college in XXXX, Navient told me my payment was in the $ XXXX. I called multiple times explaining how this was too much money for one month, and asked how I can lower my payments based on my income. They denied this request for a whole year. In XXXX, I was given the option for an extended repayment plan, but it was only lowered to {$560.00} a month. I made this payment for one whole year, and in XXXX of XXXX, I called and asked to lower it again due to upcoming bills such as rent so I was able to move out of my parents house. They advised me to call XX/XX/XXXX. I called back the XX/XX/XXXX, and my payment was increased to {$590.00} due to interest increasing. They told me I would not be able to lower any payment, and the {$200.00} a month I could not afford, my consigner ( my grandmother ) would have to pay it for me. Every time I called Navient, I was given different information regarding my loan status and payment options. I was always told there was nothing else I can do, I would either need to make the payment or apply for forbearance. Today, XXXX, I logged on to view my account and the loan payment was increased to {$610.00}.
Consumer complaint received 2016-06-11
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

It first began on XX/XX/XXXX- My checking account had a balance of XXXX. Later that day, Bank of America processed a XXXX transfer I did n't authorize. As a result, my account was overdrawn and I was charged XXXX for NSF fee. 
Shortly thereafter, I experienced major problems with my savings acct. 
From XXXX XXXX to XXXX XXXX, I was charged XXXX NSF fees@XXXX each totaling {$590.00}. The items presented were never cashed by B of A as I contacted the vendor- XXXX & paid them with another account. 
B of A is refusing to reverse the XXXX in NSF fees for the savings account and the XXXX NSF fee for the checking account. 
My savings account had a XXXX balance until they started applying NSF fees to my savings account. My checking account had a positive balance until they processed a XXXX transfer I did n't authorize.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2015-06-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have had a master card account since XXXX, services by Bank of America for at least the past XXXX plus years. When paying my XX/XX/XXXX bill, I followed the instructions on my payment slip to advise Bank of America of my new mailing address ( Their printed instructions ). On XXXX XXXX, I received my XX/XX/XXXX bill, however it was addressed to my old address & forewarned to me by the post office. I called Bank of America customer service. After endless waiting & being disconnected, I finally spoke with a so called supervisor named XXXX. He told me they still had my old XXXX address on record & not my new XXXX address. I explained that I followed the instructions on the XX/XX/XXXX payment slip. He proceeded to scold me & tell me it was MY fault & that I should have called them to make the change. Several times I read to him the printed Bank of America instructions on the payment slip, and every time he interrupted me to say it was my fault & I should have called. He would not answer my question of why the Bank 's payment slip says to do it the way I did ( which by the way worked with XXXX or XXXX other credit cards! ). He just kept saying it was my fault and was so rude I simply said to please cancel this card! I have emailed a few people at Bank of America, but I doubt I 'll hear from them! Imagine treating a cardholder since XXXX so rudely? If this shows up as anything other than account closed at customer 's request, there could be a negative impact on my credit! This XXXX was so obnoxious, I would n't be surprised if he logged the closing as bank request!!
Consumer complaint received 2016-09-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB (CA)

State Farm Bank is not allowing me to aggregate my data from other bank sites/portals where I manage my finances. For example, I manage my personal finances from sites such as XXXX XXXX and XXXX XXXX XXXX. These sites offer personal financial management tools and seeing all of my financial sites in XXXX location is beneficial to me. I recently learned that State Farm Bank is blocking a financial aggregator which powers these online portals.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

In the fall of XXXX I borrowed {$86000.00} in PLUS loans to help fund my children 's college education. In XXXX I was laid off and late with payments. A XXXX collector said over the telephone that he would stop collection activities if I requested a forbearance. He mentioned no financial consequences during the conversation and offered no alternative payment solutions. 
Due to the economic recession, I took a job for a few years at half my regular salary. I was completely unaware that full interest deferred during the forbearance would become capitalized. I resumed full payment of the loan every month in the summer of XXXX. This month I examined the history of my loan with Navient and discovered {$16000.00} of capitalized interest had been added to my principal balance. I also discovered that over the 9 year history of this loan of {$86000.00} I have paid Navient {$63000.00} in monthly payments. But my current balance is over {$93000.00}. 
Last month I was laid off again so today I called Navient and asked them about lower payment options. Their call center supervisor offered an " interest-only '' repayment option that reduced my $ 750 monthly payment to {$650.00}. This, of course is just as difficult to pay and does not reduce the {$93000.00} balance. 
This family needs relief from XXXX / Navient. To borrow {$86000.00}, pay back {$63000.00} over 9 years, and end up with a {$93000.00} balance should be criminal. To get laid off, and offered an " interest-only '' payment option is making this situation incredibly difficult. 
Thanks for any help you can influence against these lending practices.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

After closing my Citi Forward Credit Card, the Thank You Reward account associated with it was deactivated after 60 days and all the accumulated reward points were expired. I was never been verbally told or received any document in written about this fact. I contacted Citi customer service. The representative said there is nothing Citi can do about those points although they did n't do the obligation to notify me the policy.
Consumer complaint received 2021-09-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Henry L. Robertson PLLC (TX)

* Henry L. Robertson d/b/a Attorney for XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX, stole private property owned by the consumers Trust claiming the consumer owes a debt, proceeded and took legal actions against the consumer on violating 15 U.S. Code 1692i - Legal actions by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

* Henry L. Robertson d/b/a Attorney did not communicate with XXXX XXXX XXXXXXXX, the consumer about obtaining his place of abodes location, violating15 U.S. Code 1692b - Acquisition of location information * Henry L. Robertson d/b/a Attorney did not receive oral or written consent to contact consumer regarding any debt, violating 15 U.S. Code 1692c - Communication in connection with debt collection * XXXX XXXX XXXX d/b/a Attorney proceeded and sent certain deceptive forms to the consumers place of abode on XX/XX/2021, and XX/XX/2021, violating 15 U.S. Code 1692j - Furnishing certain deceptive forms * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX all XXXX cease and desist orders issued on XX/XX/2021, XX/XX/2021 and, XX/XX/2021 by the consumer, violating Federal Consumer Law , according to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication, * Henry L. Robertson d/b/a Attorney and & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has used deceptive and unconscionable means to collect a debt , violating15 U.S. Code 1692f.Unfair practices * XXXX XXXX XXXXXXXX the consumer is entitled to damages according to, 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure.

( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or
Consumer complaint received 2020-07-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  sent me a letter dated XX/XX/XXXX, advising they agreed to remove the remark. XXXX advised me to give the Credit Bureaus 30 days to remove. Thinking I'd received the letter in XXXX, I filed a dispute with Experian XX/XX/XXXX because the late payment was still showing. On XX/XX/XXXX. Experian sent me an update on the dispute advising XXXX reported the information as accurate. I didn't worry because by then I realized I got ahead of myself and I hadn't waited 30 days as advised by XXXX. What I'm filing this claim for is because On the very same day the dispute was updated, Experian also decreased my score by 41 points!!! I was advised by Experian that it was because of the late payment. The late payment was from XXXX of XXXX, so I'd already been hit. They said if I had an issue with the decrease I had to contact FICO because they are the ones who reported the decrease to them. I was not successful at contacting FICO.
Consumer complaint received 2020-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

BSI Financial failure to make timely payment from escrow account for homeowner 's insurance policy renewal. Contacted BSI multiple times to resolve issue, which was treated with no urgency from their end, resulting in expired policy, potential late fees, and consumer frustration/time spent trying to push the process along. 


XX/XX/2020 - received notice of servicing transfer to BSI Financial Services XX/XX/2020 - due date for Homeowners Insurance policy renewal XX/XX/2020 - received notice from insurance company that payment had not yet been received. Initially contacted BSI Financial Services to remit payment from escrow account. Provided BSI with all relevant due dates for insurance policy and policy expiry date. Was told by BSI that the escrow records were not updated, so I would have to pay insurance premium out of pocket, rather than escrow. 
XX/XX/2020 - 2nd contact with BSI Financial Services. Sent email copy of Insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - 3rd contact with BSI Financial Services. Still no check sent to insurance company. Re-sent email copy of insurance invoice with attention to escrow department. BSI said they would send a check. 
XX/XX/2020 - BSI online portal shows check mailed. 
XX/XX/2020 - Policy expired XX/XX/2020 - Received notice from insurance company that payment had not yet been received. 4th contact to BSI, and received a tracking number to provide to  insurance company. Check was not sent with any expedited shipping, although it was mailed only 4 business days in advance of policy expiry.
Consumer complaint received 2017-06-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (FL)

XXXX XXXX sold Loan 20 to Discover bank ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXX by  XXXX XXXX. XXXX XXXX has been the collection agency on this loan : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of XXXX is XXXX years. I XXXX school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XXXX XXXX. Discover has been fraudulently trying to collect on this loan through XX/XX/XXXX, XXXX and discover bank. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. Discover bank stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Onity Group Inc. (AZ)

Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have  already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.
Consumer complaint received 2020-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

Upon logging into my FedLoan Servicing portal on XX/XX/XXXX, there was a statement which reads " Income-Driven Repayment ( IDR ) Expired We received your IDR request.At this point, we will notify you if your request is put on hold or if any additonal documentation is needed.At this point, we will notify you of the outcome of your IDR request. We received your application for an IDR plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. We did not get all of the documentation to process your recertification request, therefore your payment amount may have increased. '' I did not file an application for an IDR plan exactly 90 days ago. My last IDR application was made in early XXXX and approved on XX/XX/XXXX for payments through XX/XX/XXXX. As such, my IDR plan under PAYE should still be valid. At this point in time, I intend to remain under the CARES Act/Presidential executive order COVID-related payment suspensions and while I do not intend to make payments now as a result, should the COVID-related payment suspensions end ( which is currently scheduled for XX/XX/XXXX ), I should be entitled to make payments of {$220.00} per month through XX/XX/XXXX ( instead of payments of XXXX per month as if I had no valid IDR application ). 

As such, based on the current regulations, I should be entitled to pay the following : XX/XX/XXXX - {$0.00} ( CARES Act COVID-related payment suspension ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$0.00} ( COVID-related payment suspension in accordance with Presidential Memorandum ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) XX/XX/XXXX - {$220.00} ( if COVID-related payment suspension is not extended ) Additionally, given that I am currently on a PAYE IDR plan and the CARES Act and Presidential Memorandum currently allow for COVID-related payment suspensions to count towards PSLF, should my ECFs reflect that I continue to remain employed through XX/XX/XXXX at an eligible employer, all months between XX/XX/XXXX and XX/XX/XXXX should count towards PSLF while on COVID-related payment suspensions once my updated ECF is submitted.
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

My girlfriend sent me {$5000.00} on XX/XX/XXXX using Paypal to help pay for some work we are having done on our house. I tried to send the money from my PayPal account to my bank but was declined by PayPal. I tried to call PayPal to get the issue resolved but was unable to speak with anyone. I then tried to use the chat but have not been succesful in getting my issue resolved. Because of the way the chat works you send a message and someone answers a few hours later which makes it impossible to get anywhere. My communication has streched over 6 days and I stil l dont have access to my funds. First they suggested I withdraw the money in smaller amounts which really does me no good becuase I needed the money in a timely fashion. I tried to withdraw a smaller amount and have the money sent to my bank but was declined. Then I tried withdrawing a smaller amount using a card and was successful but this menthod has fews associated with it that the other method does not. Also the amount I could withdraw was a fraction of what I needed. Then they told me to set up a 'Cash Account ' and try to withdraw the money which I did and then was still unable to withdraw the money. They then got a specialist for me who told me to refund the money back to my girlfriend. I tried to do that and was unsuccessful because my bank declined with insufficient funds, although why I need any funds from my bank I dont know. All I am trying to do is refund the money that was sent to me. At this point I dont know what to do because Im afraid to cancel the refund or to try to withdraw the money again beause I dont want to be charged any additional fees. The most frustrating part is there is no one to call to resolve this I just keep getting a chat bot on the website. and I have been without access to my money for 6 days now.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being XXXX or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

The interest rates were capped by the US prime rate. I understand that I had a variable interest rate loan however at different times during the course of the last 11 years I was charged much more in interest than what was the " prime rate ''. My lender has indicated that the rate is set by the lender however my promissory note indicates differently. I was charged late fees at {$5.00} per month while the loan was in " in school deferment '', the loan was capitalized 7 times from XX/XX/XXXX-XX/XX/XXXX equaling almost {$4000.00}. This loan originally started as a {$6000.00} loan. At one point the balance was over {$13000.00}. That is over 100 % interest in the last 11 years.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.