davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IL)

My email is XXXXXXXXXXXX and I never got to properly explain my financial complaint against PNC bank since I 'm using my cell phone to write the complaint. ( XXXX is the company for my laptop. I have a 12 month warranty on the laptop that XXXX wo n't honor so I have no service on the laptop and must use my phone. ) So, there was an overdraft. Every month, if you view the records in XXXX XXXX for XXXX XXXX rep payee account, you will see an overdraft. PNC makes crazy explanations that are inaccurate every month and this month I saw beyond all doubt that I was being cheated, this is why I had to become my own payee. I closely monitor the account and pay all bills. My mom does nothing and knows nothing when asked what happened and this PNC bank was getting over on her and disrespectfully talking to me and it drove me so crazy I threw a tantrum to get this account closed. Every month I can hardly stand their stealing. This month I just felt so caught up in all their long explanations that make no sense that I did n't know what to do but get that account closed.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust Bank that I had at least XXXX personal and business accounts for over 25 years decided to close my accounts for no reason. 
I was on travel XX/XX/XXXX and I was trying to use my debit card to purchase my return plane ticket from abroad and I could not access my debit card and I could not get explanation from a representative why I am not able to use my card. 
This caused me a huge inconvenience while I was XXXX miles away and was not able to have access to all my fund/debit card. 
Upon my return home, I found/received several letters from SunTrust that they will close all of my XXXX accounts by XXXX XXXX. In the letter, all my accounts were listed except XXXX. 
In this letter they listed XXXX of my account including my money market, savings, checking and payroll accounts. The only account they left unclosed is XXXX business account. 
This devastating irresponsible action by Suntrust had left me a mess. All of my bills was paid by a bill payer, my mortgage, utilities, life insurance etc. 
After being a loyal customer to Suntrust for so many years without bouncing a check or any problem to my knowledge they abruptly interrupted my accounts and it is still a mystery. This has caused me huge inconvenience until I get another bank to resume my life. There were a couple of checks that were written to Suntrust from my checking account in XX/XX/XXXX that I requested for an investigation because the amount on those checks were over XXXX I never received an answer till date. 
I doubt if that is the reason they decided to cancel my accounts. 
I would like an explanation of the XXXX checks written to Suntrust in XX/XX/XXXX and I would like to know the reason why my accounts were closed causing me distress.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK (LA)

I am trying to get a succession completed. They keep asking for the same info again. First this is not signed .now this info is out of date, because the first info they ask is out of date now they want more info with the same previous info again. I have been fighting with Midland mortgage for three years now. I want them shut down today for incompetent actions.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (PA)

Upon leaving XXXX, I was behind on a mortgage on an investment property that resulted in the bank seeking filing for foreclosure. I applied for a loan modification, but was denied but I was offered a one-year repayment plan. I completed the payment plan early and in XXXX the court charges were dismissed. I 've been making my regular payments since then, but my loan is still listed as in foreclosure on my credit report, but owing {$0.00}. The loss mitigation department has been unresponsive. They send me letters that they claim to have tried to contact me which is untrue, and my alleged single-point-of-contact does not answer their phone nor do they return messages. They are preventing me from making principal payments on my loan because they claim there may be unresolved charges but they wo n't tell me how much they are. They also overcharged me by maintain the 6 % SCRA rate even though my loan terms made me eligible for a lower variable rate of 3.25 % in 2013. I 've done my best to recover from a difficult period, and I believe that PNC Bank is taking advantage of those who served because we 're easy targets.
Consumer complaint received 2015-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

My Private student loan with XXXX XXXX was transferred to Navient. I joined the military in 2009 and was able to take advantage of a repayment plan. It helped when my loan was with XXXX XXXX. Ever since the loan was being handled by Navient I have been calling and calling and the automated operator would say please call during our normal business hours even when I am, and it would hang up. Then I called XXXX XXXX and they would transfer me to Navient but then they 'd attempt connecting me to another operator that is supposedly the correct department and it would say again " Please call during our business hours '' and hang up on me. I am tired of the treatment from Navient and I am a XXXX veteran trying to receive assistance with info and repayment options. I am going through financial hardship and it is close to impossible to get this matter resolved!
Consumer complaint received 2016-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (AZ)

I have a large amoun of small student loans over the course of years. XXXX degrees and XXXX degrees. I do take responsibility and pay my student loan. I consolidated to my knowledge my student loans under a navient servicing center that consolidated all of my loans. Little to my knowledge did i know the company could not consolidate a spousal smart consolidated loan with your DL 's. All loans were consolidated under 1 payment which is {$600.00} dollars monthly. My payments were only going to my DL and my Federal loans were getting nothing paid on them for over 8 months. Unto my knowledge I have now gotten my loans unconsolidated from a 4.75 % to a 6 % higher interest rate and all of the {$600.00} ive paid for over 8 months. I am unsure where the credit is. A balance started out as {$110.00} k was now $ XXXX due to double charging me for my loans and consolidating loans incorrectly. 
the balance has been corrected in the system back to the original $ XXXX but all of my {$600.00} a month payment ive made auto pay for over 8 months. I do not know where my credit is. The loan that was incorrectly consolidated is not XXXX + days over due. The servicing company has charged me late fees and I had to pay to get a extended forbearance because i have used up all of my forbearances. That has not been approved. Sent 1 email stating this was the XXXX delinquency notice out which indeed was the first on this past friday XXXX/XXXX/16 stating I can get my check garnished, bad credit reporting etc. My payments are not correct in the system. I went from a consolidated loan of XXXX back to $ XXXX but the payments are unresolved to the correct amount, the due dates have not been corrected, my {$8000.00} credit is no where to found nor credited to my account.Im still past due on my Federal loan with a late fee and I have to get my DL reconsolidated again as Navient servicing center cancelled the consolidated i had which had a 4.75 % and now its at a 6 % interest rate with incorrect payment amounts. Balances and amounts incorrect. My entire account is a unprofessional mess. I am so disappointed in navient unprofessioanlism and huge mistake.
Consumer complaint received 2015-09-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc. (MN)

I am a victim of identity theft. I have sent numerous affidavits and police reports to Total Card, Inc., in reference to the following account : *******************. The reference account do not belong to me. I want Total Card, in the spirit of good customer service, to close the above referenced account. Cease and desist all collection efforts immediately and permanently and have the account, deleted from my XXXX credit report immediately.
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

It has been over a year since I sent the first complaint to CFPB regarding Navient and still nothing has been done ... During this year I have been doing all the research that I could to find out what my options are for repaying because Navient refuses to disclose those options. I have verified those options with the Navient representative and was told that they exist. We have discussed them at length and concluded that reaching a settlement was the option left. Since my funds were limited I have asked friends and family to help me come up with a sum that Navient could agree with. After many months of going back and forth and several representatives later, I was able to reach a settlement amount. This settlement and the terms were verified by XXXX, the rep with employee # XXXX at Navient. She told me that it was all approved and I can send it the money. I requested that I receive a letter with that approval as well as listing the amount and terms on that letter. She refused to send one and that 's when I filed a complaint with CFPB. I did n't get any calls from Navient to address this complaint but instead I got a letter with a totally different amount and terms. When I called back she denied that she agreed to anything and that I need to make up my mind and pay and hung up. I called back several times and after many calls she finally admitted that there was an amount agreed but that it was out of her power in what happened. After few more calls and pushing to get information I was told that her manager XXXX XXXX and the director of Portfolio Management department named XXXX XXXX, decided to not fulfill the agreed upon amount and terms for settlement and was told that now I owe the full amount otherwise I will be taken to court. I was also told that they have the power to come after any penny I make as well as force the sale of anything in my possession or ownership. How long is Navient allowed to exist with these type of business practices? Where is the oversight of such a bully? Does anyone even read these complaints at CFPB?
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

My daughter was to be on an auto pay program for 3 months so she could qualify for a 15 month payment program. Navient took out the XXXX payment for XXXX, but not for XXXX ... .so she is 'late ' again. Their fault, not hers. More fees and bad credit, on her, and me as a cosigner. This has happened over and over again, and we have documentation. Looking for help with legal issues to sue.
Consumer complaint received 2015-05-19
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Medical Business Bureau (TX)

I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n't know what dispute means '' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n't have time to talk to people like you ''. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues '' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Equifax of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX Account Numbers and Agency ( s ) : XXXX XXXX
Consumer complaint received 2016-09-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NH)

I have XXXX private student loans with XXXX separate companies. Both cost $ XXXX, each. I have tried desperately to decrease the monthly payment but neither XXXX or navient are willing to work with me. They both report my parents, who co-signed back in the late XXXX have the financial means to pay if I do n't, this is absolutely false. My father is in poor health, both are retired and in their XXXX. I am current with XXXX XXXX at the moment but Navient was supposed to be withdrawing my monthly payments from my checking account. I did n't have enough money in the account one month and they placed me in default. I was told that I can either pay a lump sum by out, borrow the money from my parents who Navient says have the means, Im certain they do not. Or pay $ XXXX, 3 times more than the payment I was unable to manage.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 2288984 Ontario Inc. (MD)

I believe this loan from Money Key is based on an Interest Rate that exceeds Maryland XXXX Law. Each payment is not applied to the principal ; in addition {$30.00} per {$100.00} borrowed is charged monthly. The unpaid balance appears to increase monthly. After approximately {$900.00} in payments I called in for an advance on my Line-of-Credit. I was told a payment of {$310.00} was returned and that payment must be made to access any available funds.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

XXXX, NC XXXX XX/XX/2017 Consumer Financial Protection Bureau Consumer Complaints XXXX, IA XXXX RE : NAVIENT Loan-XXXX-1 Dear CFPB : I am seeking assistance with the proper application of my loan payment to NAVIENT. 
On XX/XX/2017 I made payment of {$920.00} ( please see payment receipt enclosed ) to NAVIENT for Loan XXXX. This payment included what NAVIENT states in the payment statement ( please see enclosed payment statement ) unpaid fees of {$260.00}. 
On XX/XX/2017 I returned to the NAVIENT website to schedule my next payment and see an amount due of {$260.00} which I just paid ( please see enclosed Account Summary ). I then called NAVIENT to report that the payment was not applied properly because I paid the unpaid fees, as well as the current payment of {$650.00} totaling {$920.00}. The representative told me she saw the problem and asked me to hold. Whomever she spoke with provided this response. " Do n't worry about it will be there until the loan is paid off, just pay the regular scheduled payment. '' My response was NO you all need to apply it properly. The representative then placed me on hold to return to tell me that, " the full payment was applied to all interest and they would be sending me a document which explained how payments are applied. '' I then refused to take this as answer. 
Enclosed is the document found in my NAVIENT student loan documentation ( Loan Term documents enclosed ), it clearly shows that there were {$260.00} in outstanding fees which included in my payment paid on XX/XX/2017 totaling {$920.00}? The Loan Term documents enclosed clearly shows by monthly payment to be {$650.00}. 
I would like my payments applied properly as is stated on my Payment Statement. The unpaid fees and loan payment should be applied as such and my current payment should only reflect the {$650.00} due on XX/XX/2017. Per the new account summary NAVIENT is stating I owe {$920.00} ( please see enclosed account summary 2 dates XX/XX/2017 ) which includes {$260.00} that I have already paid on XX/XX/2017. 
Please do n't allow NAVIENT deceptive payment practices go on any longer. Also please note that I REFUSE to pay the {$260.00} again and I also need it reflected on my statements that I have paid the unpaid fees of {$260.00} to NAVIENT on XX/XX/2017. 
I understand the Consumer Financial Protect Bureau has sued NAVIENT for such practices and I would like my compliant included in the law suit if you find it applicable. 

Sincerely, XXXX Enclosure ( XXXX )
Consumer complaint received 2015-06-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I was in the middle of the loan modification with XXXX XXXX XXXX when I found out that I was transferred to Seterus. I found out when my attorney called to get the status of the modification. I never received a letter from XXXX notifying me of the servicing transfer. When I call Seterus they were extremely rude and I was told XXXX different things. The XXXX was that on XXXX I spoke XXXX and was told my trial modification payment was {$1000.00} when I asked how they came up with that amount I was told from my original loan application, because they had not received any documentation from XXXX. I explained that my financial situation is very different now, and I was instructed to complete a new financial package - which I have submitted. I was also told that after the trial payments the new modification payment would go back to at least the {$940.00}. XXXX. I also at this time requested a copy of the good bye letter from XXXX and as of today I still have not received. On XXXX I spoke with XXXX XXXX and explained that I could pay half the trial today and the other half by XXXX. XXXX took all of my financial information and then put me on hold. Then XXXX XXXX the manager ) came on the line and said he could n't take a partial payment. When I explained that the payment could be accepted XXXX XXXX XXXX he said he did n't care what XXXX rules where and that Seterus would not accept. He also informed me that the payment was due on XXXX not XXXX as stated in the in my paperwork and that they would not take my payment. Since I was not getting any where we ended the call. On XXXX I spoke with XXXX XXXX who told me that he could take my payment on XXXX for the full amount. XXXX also stated that after the modification was completed the payment would be similiar to the trial payment. Then he said that they waiting on my documents to continue the review, and I reminded him that they were already sent, and then he changed his story and said they had the documents. He also said that the best deal was {$1000.00} and they ca n't offer anything lower. How can they say that when I have n't been reviewed yet? I have lived in this home since XXXX and would like to retain it. I spoke with XXXX different representatives and each said something different. I need to understand what options are available and how I can retain the home.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I received my credit report from Equifax and it contained one public record which I have disputed and it came back satisfied and released. I have spoken to the clerk of both courts and have been told they do n't report nor provide any information to credit reporting agencies including Equifax. Moreover, court records do not list Social security numbers. I would like to know how Equifax verified this account and updated the status to satisfied and released. My SSN and the SSN listed in the courts do not match. So how does Equifax tie this account to me ( MY NAME ). My Social security number does not match what is in the court records. If the court records do n't match my records Equifax needs to have documentation that matches my exact XXXX digit SSN, if it does not Equifax must DELETE this account from my credit profile..
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I had a credit card with Juniper/ XXXX and the interest went from 0 to 22 to 24 in less than 12 months. I called numerous times trying to work with them to get the rate reduced, because it was XXXX my payment too high for me to be able to pay it monthly. I called monthly for 3 or 4 months and they finally said the only way they could help was if I proved hardship. The Card rep said to not pay the bill for 2 or 3 months and then they would be able to reduce the rate due to hardship. I did not pay for XX/XX/XXXX, XX/XX/XXXX or XX/XX/2011 in hopes that they would reduce the interest as they stated. They did not reduce the rate, so I closed the account and borrowed money to pay it off. Is there any way to reflect this on my credit report or have this reporting corrected?
Consumer complaint received 2015-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (WA)

For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call.