davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2016, I began receiving email correspondence that my chase account email had changed. Shortly, after I received text messages of improper transactions on my account as I have my alerts set if amounts over {$120.00} are deducted. I immediately contacted Chase Bank to report the fraud while I was at work. I spoke to a representative who informed me that the account would be blocked, but also stated " Chase is severing their relationship with me and I would receive the balance of the account in the mail in 10 business days. '' I informed the rep that I was the victim of fraud and now the bank is re-victimizing me and I can no longer bank with Chase. As I was at work I concluded the call and contacted Chase again that evening in disbelief. A second rep took my fraud information and reiterated the same. Perplexed, I visited my local bank branch on XX/XX/2016 to speak to a representative, showed him the email and text. The bank rep assured me and showed me on his scree that the fraudulent charges did not go through. When I told him of my conversation over the phone, he thought that was incorrect and contact the customer service phone number. He was told the same thing that the relationship has been severed and I would receive the balance of {$640.00} from the account in 10 days. He had not rationale and was unable to provide any additional options. Although I was upset that I was essentially being kicked out of the bank because I was victimized, I accepted that I would receive balance and would bank with another entity. On XX/XX/XXXX, I received a check for {$71.00} ( of which I have not cashed ) which is the balance after the fraudulent charges of {$570.00} were processed. I contact Chase bank who informed me that I never contacted them or filed a claim. The rep stated I needed to prove that I do n't have affiliation with the entities for which the fraudulent charges were processed. I explained this is my household account of which only mortgage, utilities, etc are all processed via ach only come out of this account and has for years. Upon review of the account, the rep can see the same XXXX-XXXX repetitive charges ( water, electricity, etc ) each month. The fraudulent charges should stick out as an anomaly. After much discord, the rep finally stated he would fax the claim forms. I received them by mail twos week ago. I attempted to go back to the local branch to submit the forms. It has since been temporarily closed. I faxed the claim forms on XX/XX/2016. As of XX/XX/2016, I am stuck with a XXXX checked after being mistreated and having to find a new bank. This is not the way a bank should treat its customers.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Equifax is reporting my previous mortgage which is paid in full, as 30 days past due, which is impossible. I called Equifax and spoke with XXXX who literally had no clue. She kept referencing the wrong mortgage company ( XXXX vice XXXX ) and told me that she does not see what my report is stating. She also stated that what she sees and what I see are totally different which makes no sense. I am engaging CFPB before I engage legal resources to document I filed with CFPB. 
From Equifax : ( note loan is paid in full however current status is 30 days past due ) Once again current status, not the history of the loan is 30 days past due on a loan that has been paid in full. 
Name : XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : PAYS 31-60 DAYS Hide Details XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$330000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1800.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 2 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, 81-Month Payment History No 81-Month Payment Data available for display.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (MD)

Summary of Personal Experience with Sallie Mae Student Loan I began making regular payments on my Sallie Mae student loan in XXXX 2015. I had just graduated and started working and wanted to pay them off as soon as possible because of the very high interest rates ( XXXX {$10000.00} loans@9.75 % & 10.25 % ). 
I signed up for auto-debit payments on a 10-year standard plan, but also planned to make extra payments on the loan. I called Sallie Mae to see if they would allow me to set my auto-debit at a higher amount than the minimum payment due, or if I could select an additional amount to be auto-debited to help me pay the debt faster. Sallie Mae informed me that there was no way to set that up and that their system only allowed the calculated " minimum payment '' to be auto-debited. If I wanted to make extra payments, I would have to log into the account online or call them. For several months I logged into my account at the end of each month and made a manual extra payment. 
After a few months of extra payments, I noticed that Sallie Mae 's courtesy auto-payment email reminder listed a lower auto-debit payment amount than I had originally been paying. I called them to find out why my auto-debit amount was decreasing. They could n't answer why that was when I called, and asked if it was okay if someone " researched '' my account and called me back in 5 days. Before the 5 days was up, I realized that the reason my auto-debit was deceasing was probably due to the extra payments I had made on the loan. I was trying to pay the loan faster, but Sallie Mae was adjusting the auto debit amounts to catch me back up to a full 10 years of payments. 
I called Sallie Mae and requested that they not decrease my auto-debit payments because I wanted to pay the loan early and I like to keep a budget and it helps to know the exact amount that will be debited each month. Sallie Mae told me that unfortunately " their system '' generates the auto-debit amount and that it can not be adjusted. Their system will keep decreasing my auto-debits as long as I made extra payments. They told me that if I wanted a constant payment I would have to log into my account on the same day as my auto-debit and manually " make up the difference '' every month. 
Customer Service Issues : Calling Sallie Mae was an incredibly frustrating experience. For example, I was often put on hold for hours at a time without ever reaching a supervisors or anyone with answers to my questions. When I asked politely to be transferred to supervisors or managers who had more experienced knowledge I was told " no problem '' and then transferred to another call representative over and over again- never reaching a person who could answer my questions. The call representatives refused to provide their names or their names of their supervisors or provide me with direct contact numbers so that I could resolve my questions/issues more quickly.
Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I could not afford my student loans when I got out of college in 2010 because I could not find a job despite applying for hundreds. When I first got into college I had grants and federal aid but had to apply for the rest through XXXX XXXX privately and got a loan at about 4 % inrerest. I did n't even know what interest was as a XXXX year old high school XXXX! As the years went on, they gave me a harder time getting student loans and by the end they were at 10, 11, 12, even 13 % interest rate!! How can anyone charge so much for an education?! It is so criminal! Navient took over my loans and I had to file for forbearance for multiple months before I finally got a job. Once I got a job, o still could n't afford my payments so I called in and they lowered them! I did n't realize it but I was paying interest only for the last two years and barely able to afford it at $ XXXX/month for only my private loans. This past XXXX my interest only payments apparently ended and they payments have gone up $ XXXX/month to now $ XXXX/month ( again only my private navient loans, I also pay federal and dept of education loans ). I have begged them to lower my interest rate so I can have a chance of even getting close to paying them off! I have called and asked them to do income drive repayment plan but I make {$48000.00} a year and apparently this is too much! However, this is before taxes and does n't take into account my mortgage, car payment, gas, lother loans, food ( which I can barely afford ). I have been with my boyfriend for 8 years and want to get married and start a family more than anything in the world but I am afraid I will never be able to due to the criminal behavior of navient and XXXX XXXX! I have tried to consolidate through other companies but thanks to the interest rates my debt has built up so quickly I do n't get approved! Other than forbearance, I still find a way to make my payments every month while I fall behind in everything else. My education should not be ruining my life like this.
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

II  reviewed my credit report and observed Enhanced Recovery conducted an un authorized inquiry to my credit report. I filed a complaint regarding an alleged debt that Enhanced Recovery was trying to collect and Enhanced Recovery withdrew there attempt of trying to collect money I did not owe.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (FL)

I live in XXXX Florida State and I have not traveled ouf of the State in years. I use BB & T account only for saving money to pay my insurance and some other bills, so, I do not use it too often. When I went to look into the account because my insurance was approaching, I noticed an overdraft of more than $ XXXX. I called the bank and the rude guy said he can not do anything neither cancel the account or do anything about it, so, I had to XXXX a branch near me and I went same day, XXXX XXXX, to the XXXX XXXX branch and a really nice rep, XXXX XXXX, checked and found out somebody deposited on XXXX XXXX, 2017 a $ XXXX fake check and then somebody went same day to a Virginia office and withdraw a {$900.00}, so I filed with her the claim and closed that checking account and a savings account I had, and she opened new ones that day. 
Then, XXXX called me on XXXX XXXX saying my savings account had an overdraft because somebody in XXXX different cities of New Jersey cashed XXXX checks on XXXX XXXX between XXXX and XXXX ; each withdraw of more of $ XXXX because the system showed the original fake check deposit as funds in the account. First of all, it is unbelievable that in this time, were all is about technology, a check does not get cleared within 24hrs, also, unbelievable, that the security in BB & T bank is so bad, that they just cashed the money in another State without confirming via phone if it was me who was out of my own State. And worse, BB & T Branch team leader, XXXX XXXX, asking if I was sure I did n't traveled to VA and NJ and also said I have to wait until XXXX to get my {$1900.00} back ; that it is what I had in both accounts. This amount might be too little for BB & T, but to tell me that because in small towns the fraud reports are less than in XXXX, the cashiers of BB & T bank does not have the same protocols, is outrageous. Who is going to respond for my late fees/interest of the payments I have to do with that money?, who is going to pay for the gas, the parking and the time I did not get paid in my job because I had to deal with the incompetence, insecurity and lack of protocols of BB & T bank? 
This is a joke. XXXX was the only one nice enough to provide information and communicate with her manager, the fraud department and the branch " team leader '' ( XXXX XXXX ) but none of them was Professional enough to give me their face and try to solve my cash flow problem because of BB & T thieves. 
I filed a Police report in XXXX XXXX.
Consumer complaint received 2017-10-10
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: U.S. BANCORP (CT)

( Elan financial ) is showing up in my credit report in hard inquiries. I do not recall authorization for this application. Do n't have much information regarding this because I did n't apply for this account.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

On XXXX XXXX, XXXX, I spoke with the fraud department at Chase Bank. XXXX checks had been written and cashed on my account. Chase told me it would take 30 business days for me to be made whole, but that I would be compensated for XXXX of the checks in the next 3-5 business days, which I was. Chase requested that I place my account in a restricted status and I did so. However, my account was never restricted and XXXX more checks were drawn on my account. Chase made me whole on these XXXX checks. I was called by a Chase banker to come to the bank to open a new account, which I did. Prior to this meeting, I discovered another fraud check dated XXXX XXXX, XXXX. 
At my meeting with Chase on XXXX XXXX, XXXX, the banker called the fraud department and informed me that I would be made whole on all XXXX outstanding fraud checks totaling {$4400.00}. Chase has not held to their word on this and they have not followed up with me. I wrote a letter to the office of CEO XXXX XXXX on XXXX XXXX, XXXX complaining about their processes and I have still not hear from his office. 
I have documentation for everything I have stated here and more. I find it borderline criminal that Chase paid checks from my account that had a different check maker than that of my company. From my side, they are obligated to make me whole, then collect the money for their corporate account.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (DC)

I have loans from XXXX XXXX. I was told that I was consolidating my loans and was on a monthly payment plan which was taken directly from my bank account monthly. A few months ago I received a call that I had loans in default. When asked how that was possible I was told that my loans were not consolidated. But put into groups where a few were being paid on and others not. Then they followed to explain that my monthly payments would double even though I was in " good standing '' on the payments I told were loans consolidated into two payments monthly. If I was given the correct information I would have been able to pay on all my loans. But now I believe that the company Navient ( aka XXXX XXXX ) is just overcharging me for loans that I did not even know existed or where they came from. Then when I asked them what are my options on payment plans I am told I need to pay the amounts they tell me and that is my only options.
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (NJ)

Macys has been calling me roughly 8 to 10 times a day, for a total debt i have of {$170.00}, even though i have paid every month ( anywhere between the minimum payment to a few hundred dollars so that my debt can go away quicker ), and the caller is an automatic voice saying to call the number XXXX XXXX XXXX to settle my late payment. My next payment is due XX/XX/XXXX and it is XX/XX/XXXX today and i am not late on my payments. When i called the XXXX number the debt collecting person working for macys was rude and cursed me out. Is this legal? I dont even owe that much money to macys ... .i owe a total of {$170.00} and they are acting as if i owe them thousands of dollars and that i havent paid my debt in months and months or something. Please do something about the Macy 's debt collection company because its not right to curse someone out and be rude for just {$170.00}!!!
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I 've had multiple issues with navient. The first huge one was forbearance. I was laid off an starting a new job soon but I just did n't have enough money to pay one month on my student loan. I called them to try and work something out but they told me all they could do was put me in forbearance but it had to be for 3-6 months! I could pay after I started my new job, I just could n't pay that one month so why would I need to waste my limited forbearance period on months that I could pay. They gave me no real choice. The second big issue is that when I was paying through sallie mae my monthly payments were way more reasonable. When I was switched to navient they shot up in the amount I had to pay monthly.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

I payed off my student loan to XXXX XXXX in 2014. I received confirmation from XXXX XXXX my loans were paid off. I now received a new set of payments from Navient 2 years afterwards that I still owe on interest. This is completely unfair and absurd to be receiving this bill 2 years after the fact.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

I have Navient as my servicer. I contacted them several times in XXXX and XXXX about my payments. I pay {$1000.00} a month and the principal has not budged. When I was connected with a representative, I was abruptly told that there is nothing they can do and everything is as low and it can be. I have been paying since XXXX XXXX and no progress has been made. There has to be something wrong with Navient!
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (UT)

I attempted to get my " annual free credit report '' from all three companies online. I was denied, online, by all XXXX. I printed the form and legibly filled it out with my information, I also copied, clear and legibly, my Utah Drivers Licence, US Passport, Employee ID ( with photo on a debit card ), Social Security card, Birth Certificate, utility bills & pay stub. The exact same " package '' was then mailed to all three credit reporting companies. XXXX has replied and sent me the " credit report ''. Experian replied with a form letter stating : " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible ''.
Consumer complaint received 2020-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (MD)

on XX/XX/XXXX i requested for a loan for XXXX lady told me i can pay back in 3 payments of XXXX or but call back to let her know oncecthe money is deposit .the money was deposited on XX/XX/XXXX XXXX .i phone on XX/XX/XXXX and the amount was double she said that XXXX will be debt on XX/XX/XXXX, on XXXX and the last payments will be debt on XX/XX/XXXX i was totally shock because i was told i. Only have to pay back XXXX if i set up 3 instument.please help me name of business is Better Day loans XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (IL)

I am an infrequent user of PayPal. I only use their services when it is the only option provided by the merchant. As an extremely casual user, I would never intend to sign up for a PayPal Credit Card. However, it appears that I inadvertently opened a PayPal Credit Card in XXXX of 2015. Unbeknownst to me, this resulted in a hard inquiry to my credit score and it created confusion when I went to purchase a big ticket item last week. 

Last week, I thought I was using the normal PayPal service for an item that cost {$890.00}. When I received the {$890.00} invoice from PayPal Credit, I was extremely alarmed and furious. I immediately called the customer service number, closed the account and paid the remaining balance using my bank account. THIS WAS NOT HOW I WANTED TO PAY FOR SUCH A HUGE EXPENSE. This forced me to shuffle money between several accounts in order to free up enough funds to cover that large expense. My intention was to charge that item to my normal credit card, not be forced to pay for it right away from my bank account. In addition, I lost out on the credit credit reward points that would have been generated from that large purchase. 

I am not a careless consumer and I am not ignorant when it comes to reading the " fine print '' of an online purchase. The fact that I accidentally opened a PayPal Credit Card speaks to the disgusting and obvious predatory nature of this credit line. I am certain that there are people all over who charge items to PayPal Credit thinking it 's going on the credit card linked to their normal PayPal. These people most likely end up with massive late fees and penalties. What a disgrace. I 'm glad that I caught this early, but I am angry that I was hit with a hard inquiry and was forced to come up with {$890.00} on the spot to make this work. 

As a result, I will never use PayPal again. If PayPal is my only option, I will kindly let the merchant know how PayPal treats their customers and take my business elsewhere. PayPal Credit should be closed immediately. I look forward to the class action law suit against PayPal when more people realize that this unsolicited issuance of credit is extremely unethical.