davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CT)

I currently have 4 separate student loans that I have been paying on for years with nelnet, XXXX, XXXX XXXX and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with nelnet and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, nelnet said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX
Consumer complaint received 2018-09-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PMAB,LLC (NC)

The collection company Pmab llc. Calls my phone with the number XXXX then calls with XXXX and then calls with XXXX all back to back. All are robot calls which are recordings. I have registered my phone number with the no call registry list back in XX/XX/XXXX. It happened on XX/XX/XXXX and XX/XX/XXXX. I don't own or admit to the debt. With my phone number registered for the no call list. There is a violation of my rights.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp. (CA)

Back in XX/XX/2020 True accord contacted me and was told by XXXX XXXX. That her company will no longer be trying to contact me to owe on the debt because the account will be given back to the original debt collector. I have already complained before about this same company I don't remember the complaint number. XXXX XXXX has been sending me emails regarding the same account that I was told that they will longer be collecting on.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

My account was closed without notice and when I called into the customer service department I was advised the explanation would be sent via mail in 7-10 days. I am due a rewards balance of {$170.00} and was told I would not receive this because my account is closed.
Consumer complaint received 2018-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

My initial loan with Navient which at the time was Sallie Mae began XX/XX/XXXX. The loan was for {$6300.00}. I did not begin the process of payment until XX/XX/XXXX. My payment was {$64.00} per month. Now as of XX/XX/XXXX my payoff is {$8200.00}. My payment is {$110.00} per month. My interest now stands at 11.625 %. In XX/XX/XXXX my payment was {$110.00} and continues to increase every 3 to 4 months. There were some deferments but I have made on time payments every month since XX/XX/XXXX. I spoke to a Navient person directly and she told me that approximately {$33.00} per month is coming off my balance and the rest is going for interest. I reviewed my records and the tax form that Navient provided on interest paid for XX/XX/XXXX is {$1300.00}. My payment records show that I only paid Navient {$1300.00} for the year of XX/XX/XXXX. I also tried to remove a cosigner from the loan. It states on their website that you have to make 12 on time payments to allow a cosigner to be removed. I was told that I was very delinquent on my account and could not remove the cosigner but my cosigner was never contacted about my delinquency. As I stated earlier I have not missed a payment since XX/XX/XXXX. I am now XXXX and no longer able to work and this loan places a financial strain on my family. What makes the situation worse is that none of my payments are bringing down the balance of the loan. In fact the balance is almost {$2000.00} more than when I began repayment. Thank you in advance for any assistance you can provide.
Consumer complaint received 2018-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I took out parent Plus loans for my children. A total of XXXX With the first disbursement of XXXX XX/XX/XXXX and the last disbursement of XXXX on XX/XX/XXXX. I have made repeated attempts over the last several years at getting an income driven payment plan but each and every time I speak to the loan servicing company they tell me one thing then the next thing I know they are capitalizing interest to the tune of XXXX over the last three years. I did not agree to this, I did not ask for a forbearance or deferment. I am only willing to payback the principal I took out of XXXX. I will not pay any more. I have a feeling these loan servicing agents are getting compensated by causing my loan balance to increase instead of helping me make an affordable payment plan to reduce my principal. I know the Department of Justice is aware of Navients unscrupulous practices and I refuse to be another one of their victims! I am more than willing to refinance the original loan principal amount with a respectable financial service company.
Consumer complaint received 2018-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Choice Recovery, Inc. (FL)

The account with Choice Recovery , Inc., has been paid in full but it still shows in collections on my credit report. I need Choice Recovery, Inc., to report the debt as paid in full in order for me to close on a home loan.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2022 : Opened an account for {$400.00} promotion ( XXXX XXXX XXXX ), which consists of {$300.00} for direct deposit and {$100.00} for XXXX debit card transactions. Bonus should be paid by XX/XX/2022. Promo term is attached. 

XX/XX/2022 : Completed the direct deposit requirement. 

XX/XX/2022 : Completed XXXX debit card transactions. 

XX/XX/2022 : Received {$300.00} bonus. Did not receive the {$100.00} bonus. 

XX/XX/2022 : Contacted Citizen via text message and was confirmed by XXXX  that the account does qualify for the additional {$100.00} and appears to be credited by XX/XX/2022. 

XX/XX/2022 : Havent received the {$100.00}. Contacted Citizen via text message, was advised by XXXX to call XXXX. Called the number, waited for about half an hour to speak with an agent, and was put on hold for almost another hour since the department that should be assisting can not be reached. Was advised to go to branch to contact this department instead. After XXXX hour waiting, the agent advised that her call was disconnected from that department and she can not assist any further.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MO)

Barclay card was charging me {$37.00} returned fees for the payments which I didn't make. I made my payments from my bank and they did go through every time. On a top of that they fraudulently were making payments from another closed account and charging me {$37.00} fee. 
The customer service representative XXXX with a very low voice was the worst, I never had such a bad customer service in my life.
Consumer complaint received 2022-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One Auto Finance. 
This account has been paid in full. Late payments still report and loan still reports on credit report. 
XX/XX/2019, account has been paid in full. 
Amount of {$16000.00} Has been disputed previously before, but still reports on credit report.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PACIFIC WESTERN BANK (VA)

I opened an account with a bank ( XXXX  XXXX ) in XXXX XXXX, CA in XXXX. Since it has become two different banks, and is now Pacific Western Bank. I keep this account as a " rainy day fund '' to cover expenses in the event of an emergency. Due to the age of the account, I have never had access to online banking, and since I do not live in the area to go into the branch, can not set this up. It is not possible to set up remotely, and I now live out of California. I only have my monthly statements and checks. Two years ago I received a statement which indicated that my funds were about {$2500.00} lower than they should have been, and below their " free account '' setting, so that I was now accruing monthly charges. When I called the bank, they said their system had erroneously mistaken my account with one that was one digit away from mine, and withdrawn the funds from mine instead. While it automatically caught it on the part of the check writer, it did not automatically correct on my end. It was a total hassle, and they did not ever refund the fees assessed to my account for the months of a low balance. They told me it happens all the time, and it was my job to monitor my account. 

In XXXX of XXXX, this happened again. I moved, and while my mail was updated, somehow these statements were not forwarded and I went months without receiving a statement. When I finally got one, I was shocked and called the bank. They said that once again my account had been erroneously charged instead of the one that was one digit off due to a check. When I finally reached a person I was told there were no notes and in fact they do not record individual notes on accounts. I was told this was my fault for not checking my account, that this happens all the time, and that it was not their fault. They now tell me that the other account is closed, and they have to reach this other account holder to retrieve the funds prior to putting back in my account. I have spoken to XXXX and XXXX, branch managers. 

Every time I speak with them, they remind me of how this was my responsibility and not their error. They remind me how they are " making an exception '' to even work on this account. They are not sure when the missing funds will be returned, and have no other option than to file this complaint. The check was written for {$2500.00}, and I am assessed monthly fees of {$6.00} for my account being under their critical free account determination.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX We were on a 3 month Forbearance Plan Agreement of {$1400.00} all three payments were made on time. Modification paperwork started XX/XX/XXXX and went thru XX/XX/XXXX. 
doing this time no payments were required per bank rules. We received a copy of our credit report in XXXX and found that our credit showed negative credit reporting for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX has nothing although the payment was made on time. I called and spoke to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX all of whom work in the credit department at Chase and all who refuse to help. This is a new way of keeping us slaves to Chase. The modification is intended to help us make affordable payments while going through hardship instead Chase has raised the payments higher than before. I am unable to work due to my caring for my XXXX XXXX XXXXXXXX Veteran spouse and Chase don't give a XXXX XXXX XXXX! Our payments are now at {$2200.00}. Because of the negative credit reporting from Chase we can't move forward.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (FL)

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX {$670.00} OPENENED XXXX
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (TX)

On XX/XX/2022 there was XXXX withdrawals from my account on for {$110.00} and the other for {$110.00}. I had moved from XXXX  to XXXX  on XX/XX/XXXX. I checked my balance on XX/XX/XXXX it was a Saturday and called the number for BMO Harris Bank immediately that Saturday to report these charges and have them stop them because it showed they were pending. BMO said they would look into this matter. They said they would cancel that debit card and send me another one. Had to call again on Monday XXXX they did not stop the transaction. So they said they would put the money back and investigate the matter ma month later I checked my account because I was very upset with BMO because they never sent me a new card and I was now living in XXXX  and there is no BMO banks in XXXX  so I could not go into a local bank. So when they removed the money from my account overdraft. So now they say I owe {$270.00} dollars to them for the funds and fees. I called BMO again and they informed me that they did not find in my favor. I was very upset and asked them how they could not have found in my favor?. They informed me that the mercant told them I order diet supplements and had them delivered to a address in XXXX. I asked what the address was and the gave me my aunts address. I said we'll that never happened and nothing was ever mailed to her house. I explained to them that the investigator should have verified that information they should have check for a tracking number and followed up with fraud charges against these people. I was not only violated from a scammer but by my bank as well.I appealed the decision and that is when they were suppose to send it to the appeals department. The lady took my aunts name and phone and took my phone number and said a lady investigator would be contacting my aunt and myself. No one ever got ahold of us. I started getting notices about my account being over drawn and they are going to send me to collections agency. I called BMO bank again a couple days ago and they informed me there that there is nothing they can do to contact the police depart. I thought banks are there to protect us against things like this. I have been victimized twice now. Thank you.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

Hello, I switched phone carriers back in XXXX  from XXXX to XXXX XXXX XXXX. I paid my phone off and made the switch. I am now seeing on my credit report a balance owed to them of {$5100.00}. I have tried to reach out to the company and have not been able to make contact with anyone and dispute it directly with them. I don't understand why or how a phone carrier could charge this much for leaving their company.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I filed a CFPB complaint against Equifax for adding a consumer statement my credit report without my consent. On XX/XX/18 Equifax acknowledged to CFPB that they deleted the consumer statement. I checked my credit report and Equifax did infact delete the consumer statement. Today XX/XX/18 I paid for my personal credit report and noticed that Equifax added the same consumer statement back to my credit report after they acknowledged that they had deleted it. I am fed up with Equifax lying to me and CFPB. I want the CFPB to know that Equifax has done anything but be truthful, they keep adding previous disputed information back to my consumer file. I will show proof for my credit report XXXX that the consumer statement was deleted and my credit report for XXXX that it was re-added.
Consumer complaint received 2018-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

Last fall I obtained an auto loan. To reduce the amount of interest charged for the loan, I agreed to allow the lender to automatically take the monthly auto loan payment from my checking account. 
Many months later I logged into the bank 's website to review my accounts. I accessed the auto loan account and clicked on the Payment Details tab. The Payment Details tab displayed column headings of Date, Principal, Interest, Late Fees, Other Fees, and Totals. 
Only a couple of months of payment history details were displayed and the value displayed in the Date column wasn't accurate. It displayed the 4th day of the month even when payment was made on the 5th day of that month. 
I also saw that the interest charged in a later month was HIGHER than the interest charged in the previous month. There were no online statements -- just a couple rows of history -- so I called the bank 's customer support phone number. 

The representative did SOMETHING that allowed me to see several more rows of payment history data. 
When I saw more rows of a higher interest amount, I was really confused. 
I expected the Interest amount to be less each month because the balance the interest is calculated on is decreased with each payment made. 

The customer support representative submitted a research request and later I was called back and told me the Interest was higher in the later month because of the number of days in that particular month. 

I am unable to determine whether what the representative told me is correct or not. 
I can see only the current loan balance. I can't tell what the loan balance was for prior months. 

I tried several internet auto loan calculators and none of them had the same values I saw displayed for my loan, including what the monthly payment amount would be the amount I borrowed at the interest rate I thought I had. I thought I had a 60 month loan -- but maybe I really have a 59 month loan -- not sure? 

I am so confused on what reality actually is. And also afraid to make extra payments since I won't be able to tell how/if the amount is credited to my loan.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX. Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting report containing any of the following items information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.