davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (NJ)

Have joint checking account with mother who recently passed away. Approximately XXXX in account. 
XX/XX/XXXX : Received letter from Valley National Bank, XXXX, NJ which advised account would be frozen/hold until State required forms are completed. Gave me phone number of branch and CS. 
XX/XX/XXXX : Called both and was told I must come to branch with death certificate and ID. I advised nearest branch is 20-30 minutes away and have not been going to local branch since relocating in XX/XX/XXXX. 
Advised I would fill out any form required by LAW and send back to bank with death certificate. Was told must physically come to bank and NO supervisors were available to speak with me. I asked what law but both CS and branch could not provide the statue. What do elderly or XXXX individuals do, does the bank just keep their money?
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (OH)

Regardless of income, my monthly payment from the beginning of my loans ( of around {$410.00} ) to what will be the end near the end of the loans ( {$600.00} ) is simply too much to pay given my income ( currently around {$28000.00} annually ). These loans are through Sallie Mae. They repeatedly harass my co-signers, refuse to change my monthly payment, or adjust my interest rate ( despite my consistent, never-failing payments ). I received my XXXX in XXXX from XXXX and am fulfilling my dream doing exactly what I want, teaching and playing music. I love my life but find it EXTREMELY difficult to find true financial security ( including buying a car, home, and leisure ). The stress and mental wear that this situation continues to cause me day to day is absolutely awful. It affects every aspect of my life ( including my relationships and overall outlook ).
Consumer complaint received 2016-03-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (FL)

Since I have my modification completely done ; i had experience lot of difficulty with Fay servicing changing the monthly payment for {$1400.00} has varied.. The lender was calculating my escrow act more than the actual amount since act was transferred to them. Now I had made payment for shorter escrow since lender requested to be paid back on XXXX, 2015. Acct was supposed to go back to {$1400.00} and is not happening ; now lender is telling that I missed a payment when I had paid in advance without delate. Please see attachment for my monthly payment since XXXX 2015.
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (WI)

After paying {$17000.00} of a {$30000.00} student loan debt my life fell into extreme financial hardship. When I called the loan company, prior to default, explained the situation, then asked for temporary hardship deferment or any other programs that would keep me out of arrears I was told my only options were to pay or default. With no other option, I went into default. After filing bankruptcy the student loan could not be dismissed as ALL OTHER LOANS CAN. I was then suited for {$40000.00} on a {$30000.00} debt in which I had already paid {$17000.00}. I filed a complaint with the Consumer Financial Protection Bureau ( case # XXXX ). The collections agency claimed they would take {$16000.00} and directed me to speak with their attorney. The attorney hired by the collections agency who bought the debt from a company that was NOT the issuer of the loan said I have to fill out a full financial disclosure before they can consider or discuss a settlement. I sent them a disclosure. I did NOT include the name of my bank or the company I work for as they requested. The attorney said I HAVE TO disclose the name of my bank and employer or they CAN NOT consider any settlement due to incomplete information. With ALL the numbers disclosed and the attorney NOT requesting proof of numbers but names of institutions, this does NOT seem Legitimate. This is an attorney ( XXXX XXXX ) trying to bully an individual for easy garnishment information. I have not obtain council so far because it would reduce the amount of money I had to settle the debt with. I have limited resources, deportation was ordered to my husband, I may have to leave the country soon ( proof of that WAS sent to the attorney ) and I am looking of a settlement that I actually have the money to pay at once to settle the matter. Offering the entire balance of my checking account, {$8500.00} ( statement balance ) they are bullying me and refusing to talk. I have provided ample information and disclosures.
Consumer complaint received 2016-07-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (TX)

I originally borrowed {$54000.00} for my education with the last of the student loans taken out in XXXX. I now owe {$390000.00} because of interest, and fees, and a massive consolidation charge tacked on to my loans in XXXX. The law states that student loan interest and fees must be reasonable. My situation is by no means reasonable, fair, or justifiable. By continuing to maintain this balance XXXX is breaking the law, and is in fact engaged in indentured servitude as this payoff amount versus my income ensures that I have no chance of paying this off before death. This amount also ensures that I can not save for my XXXX children 's education, I can not get credit for a home, transportation or again my children 's future education. I need your help.
Consumer complaint received 2016-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I contacted FedLoans Servicing this morning to deal with an issue of being locked out of my online account and was treated incredibly rudely by the representative. I use XXXX for my banking, and XXXX in the past has offered a service wherein it connected with FedLoans as a non-XXXX account to list my overall student loan debt on my banking page so that I could accurately view all assets and liabilities together. To accommodate this, I executed ( online ) a limited power of attorney giving XXXX access to my account. When I told the representative this, he told me that my authorizing XXXX to access this information constituted a security breach and that he should report me to the Department of Education, but that he was not going to in this particular instance. Whether the arrangement that FedLoans and XXXX worked out was proper or not, it certainly was not anything that my loan servicer should have blamed me for. When I finally was able to speak to another representative and supervisor, each proceeded to only tell me about the security issues and did not address my outstanding questions because I could not get a word in edgewise. They were demeaning and accusatory and were not helpful at all. When I was finally transferred to a supervisor at the end of the call, that supervisor was not receptive to my complaints with customer service. I wish that I could change loan servicers and am considering refinancing my loans through a private institution so as not to have to deal with FedLoans in the future.
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

PHEAA had my wages garnished from my pay leaving me with less than $ XXXX/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal XXXX and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over {$4000.00} on top of the wage garnishment.
Consumer complaint received 2016-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I ca n't get in contact with this servicer! My pay date is coming up and I am unable to pay it due to the technical difficulties on their end. Why should I be penalized because their technology does not work?! They 've already destroyed my credit for reporting my student loans without my knowledge and by not letting me know my repayment terms. 

What they do is put their information about repayment on their site and make you sign up for it. So, if you have not received any notification or mail from them ( you 're automatically on an e-bill only cycle ), you 're XXXX. You have to register an account with their site to see any notifications. I did not even know who my servicer was until 120 days after my bill was due! This servicer XXXX. They denied my income repayment request, in an attempt to drop my payments from a ghastly {$500.00} a month ( well over XXXX % of what I take home a month! ). I had to call late to work and beg these XXXX to not to destroy my credit even further and I finally talked them down to a temporary forbearance and a repayment plan that worked. This took 7 hours. They denied my credit fix request outright because they think I 'm supposed to be psychic and know that I had to pay the loan XX/XX/XXXX when they did n't even contact me until XXXX XXXX! Now my credit is XXXX points less than it was and I do not even know how to proceed to fix it.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CA)

I just emailed this after a second attempt to resolve a " late payment issue '' with USBank Credit Card from XXXX. Please contact me if the details are not clear. 

" I just had the worst experience of my life in dealing with a credit card company when I called to fix a misunderstanding on my account resulting in a late payment when I updated my autopay. I took precautions to not miss a payment, and somehow it missed anyway. When I called in the lady -- no, she was n't a lady -- the woman, who possessed low social intelligence, decided to take a condescending and accusing tone with me, blaming me for the problem rather than helping me resolve it. Therefore, I 'll be filing a complaint with REI, the BBB and with the Consumer Financial Protection Bureau as well as submitting erroneous claims disputes to the credit rating agencies. 

This late payment was an error that occurred due to a ridiculous system wait time XXXX MORE THAN 60 days?! ) for auto payment update, XXXX that I will argue is intentional to increase bank revenue streams by charging default interest rates. 

This has already resulted in a credit line decrease, which I want reinstated AND a late payment ding on my credit report, which I want corrected immediately. 

" XXXX bank ''? Ha ; that 's absurd. ''
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (NV)

DETAILED INFORMATION IS DOCUMENTED IN THE CHRONOLOGICAL TIME LINE OF EVENTS. 
I am writing this statement to lay out facts and circumstances surrounding the UNAUTHORIZED/FRAUDULENT withdrawal of funds from my personal accounts at U. S. Bank, by XXXX XXXX ( caretaker ). I filed the first claim in XX/XX/XXXX. US Bank approved and paid the claim in the amount of {$1300.00}. I was told to go through all Bank statements going back to when XXXX had moved in in XX/XX/XXXX. I had to order some of them through the fraud department. 
I discovered unauthorized/fraudulent withdrawals from my personal accounts in the amount of {$36000.00}, which began in XX/XX/XXXX. I filed the police report and claim with US Bank. The US Bank branch in XXXX XXXX faxed the claim to the fraud department. I called numerous times about claim and received no response. I finally talked to a man named XXXX in the fraud department who stated he was a supervisor. He said the claim had been approved on XX/XX/XXXX and the funds would be back in my account XX/XX/XXXX. He then told me that if there was more fraudulent/unauthorized actions on my account to fax them to him so that they also could be paid. He then gave me his fax # XXXX. The money was not deposited in the account XX/XX/XXXX. I then called the fraud department again a few days later and asked for XXXX. They said there was nobody by that name that worked there. I was then told that they had never received the claim. I went back to the branch and had them resend it. It was turned over to XXXX in the fraud department. She denied the whole claim on XX/XX/XXXX. How can they pay one part of a claim and deny the other under the same circumstances?
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Jacob Law Group, PLLC (TN)

I went to XXXX XXXX in XXXX. I paid everything that I owed. XXXX went bankrupt after I left in XXXX. I never received anything stating that I owed money to the school before or after the bankruptcy. Another school by the name of XXXX University took over, they later went bankrupt as well. I did not attend this school. In XXXX of XXXX I was contacted by Jacob Law Group saying I owe XXXX {$2700.00}. They waited 10 years to come after me about a debt I know anything about. They have been calling me everyday, they have taken me to court and now they are calling my job trying to collect this debt.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (OH)

There is a report on my credit from : FOCUS RECEIVABLES MANAGE XXXX GA XXXX They are claiming I owe {$280.00} from a XXXX XXXX Cable bill. I called XXXX XXXX Cable directly to confirm the charge and to possibly pay them directly if there was a delinquency. Once I talked to XXXX XXXX, they confirmed that I did not owe any money, and that my canceled on time and my last bill paid in full. They said they would make a note on the account, and that if the collection company called to tell them the account is invalided. I tried to call the collection company and was put on hold for two hours ( I left it on speaker, while I was around the house ). I then went online only to find other reviews that stated the same issue with contacting the company.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IL)

Over the last several moths I have had three disputes on Amazon refunds on returns for my Amazon Store Credit Card with Synchrony Bank. I returned three items with confirmation from  Amazon  and my refund was taken out of from my card leaving a deficit. Synchrony Bank said they were working on the problem so I paid off the card. After months of Synchrony Bank sending me forms requesting information I already sent to them they closed my account. I sent the the information they requested on three separate occasions as they requested. Synchrony Bank would close the disputes each time without consultation to the consumer.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (GA)

On XXXX I was coerced into buying a used car from a used auto dealer by XXXX individuals, who then drove off with the car and that was the last I saw of them. They threatened to do bodily harm to my family if I did not go along with them. To prove they were serious, while I was buying the car they had friends of theirs, go to my parents house and steal my motorcycle, fortunately my parents were n't home. It is important to note that I am XXXX I and was completely off my medication and in a XXXX ; which means I was not in a XXXX. The monthly car and insurance payments came to {$910.00} per month, for 66 months. The loan was financed through the a finance company owned by the used car lot company after I was denied by XXXX other banks/finance companies. I had been unemployed for over 18 months and both my checking and savings accounts had negative balances. Also, my XXXX credit cards were all past due. I do not understand why their finance company agreed to take a chance on me. I never had the funds to make a single payment, I opened a police report for theft by conversion. I tried to file a claim with the insurance company arranged by the finance company but The insurance company denied it because the car was stolen before my insurance coverage became effective on XXXX, even though the car was sold though I made my XXXX ( and only ) premium payment on the XXXX The car was located XXXX but it will be turned over to the finance company as they tried to repossess it a couple of months ago by sending a wrecker but I did not have the car and gave the wrecker guy a copy of the police report. I tried to resolve this with the finance company to no avail. The whole situation is overwhelming and I feel as though I have been a victim several times over.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

Macy 's has charge me 8 month interest on a closed account that i request to be closed on XXXX XXXX 2011 because high interest rate it does n't state after you closed an account that Macy 's is still able to charger you interest it only state that Macy 's can collect the remain balance which i owe. The agreement that i sign was terminated upon my request if it is closed you are only to collect the the remain balance Macy 's agreement was terminated so were the late fee Macy 's has not sent me any type of information that state after account is closed Macy 's is able to charger you late fee. so i decide to file a complaint against Macy 's so please investigate this case Thank you Sincerely XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (OH)

I applied for a targeted offer for an Citi XXXX XXXX Platinum Select Master Card with a XXXX mile bonus offer after spending {$3000.00} in the first XXXX months and Citibank said I was ineligible to receive such an offer. There was no mention of this in the application, and a phone representative confirmed I was eligible for the bonus before I agreed to submit my application.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MD)

Macy 's Department Store charges interest even when a purchase is paid in full. This has happened on XXXX occasions. Both times, when I 've called, they have removed the interest charge, but clearly this is an automated part of their process. The creditor is Department Stores National Bank.
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I have a card for Best Buy Stores through CitiBank that I used to finance some appliances. I tried to use the auto-pay option and my billing setup keeps being disabled. As a result I have XXXX black marks on my credit report for a bill that I had the means and every intention to pay. The web interface is obtuse and their customer service refused to work worth me in anyway after I had brought my account current and re-configure auto bill pay. Personally I will be transferring my balance away from them ASAP and I will never do business with either Best Buy or CitiBank in anyway in the future.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

The ATMs at my local Citibank - XXXX XXXX XXXX, XXXX XXXX, NY XXXX never work. Everytime I go to deposit a check, I have to check at least XXXX atms. There were a few times when I had to go to the teller and they were not able to help me out because the systems were down. In addition, the hours of operation the surround branches is impractical, they all close at XXXX and I know many people are not able to make it to the bank at that time! I am afraid that one day when I am not able to deposit money into the account and I do not have enough balance I will be charged the unnecessary over-draft fees.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Hello, Please help! I feel like my consumer rights have been violated and I have incurred damages as a result. This is my last effort to get help before seeking the advice of an attorney and suing in court. 

I am a XXXX and attempting to purchase a home. I had a student loan charge off several years ago ; that I am working on settling. The mortgage company and several of my creditors have denied me loans/credit because they are stating that according to XXXX ( XXXX and XXXX have it correct ) they are reporting that the charged off account has a monthly payment of {$41000.00} per month x 235 months and thus puts my monthly debt to income ration off. However, the entire balance was {$41000.00} and the monthly payment was {$220.00}. 

I disputed this with XXXX now 4 times and have spent hours on the phone with no resolution. XXXX tells me that they are not reporting {$41000.00} per month. However, when they sent me the investigation results it clearly shows the terms they are reporting. Please see attached. 

I contacted Wells Fargo the owner of the account and was advised that they are not reporting a monthly payment of {$41000.00}. I don't know what else to do! I am unable to purchase a home or get lines of credit due to this error. 

Please see the attached document from XXXX and advise me on my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (AL)

I called XXXX in XXXX 2010 that I wish to discontinue my service. They told me they would send me a box to return the receiver. A couple of months passed and I never received an authorization to return the receiver and I did not use my XXXX service after XXXX/XXXX/2010 since they told me I was paid up through that date. They began calling me to collect in XXXX 2010 and I will not pay the {$180.00} balance since I do not owe it. They have reported this on my credit. I need this taken off since I do not owe it.