davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

In 2016, I suddenly received noticed that my Experian account had decreased by XXXX points. On my report, I noticed that Experian reported a delinquent payment from XXXX of my XXXX accounts, but neither XXXX nor XXXX had. When I called XXXX, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent XXXX payment. And, yet, in my credit report, they continue to list a recent delinquent payment. 

Experian 's account representative acknowledged the error, and could not find an explanation. I submitted a ticket to Experian 's engineering team, per their recommendation, and have only gotten a response that they 're working on it. Four and a half months have passed, and my Experian score continues to be at least XXXX points lower than my XXXX score and XXXX points lower than my XXXX score. 

No one -- not Experian, not the credit repair agency I contracted to deal with the problem -- can seem to figure out what 's going on. And, yet, my credit score continues to suffer because of this mysterious reporting error.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

I am complaining against Experian for reporting negative information on my credit report, when they have all the necessary information between XXXX XXXX XXXX XXXX credit card accounts no owned by their debt buyers, XXXX XXXX and the XXXX XXXX XXXX XXXX to aid and assist them in collection activities - when they know what happened ... cut-off procedures increased the revenue XXXX debt buyers and increased my liabilities in the process. The debt buyers have no signed agreement from me and also have no documents. Experian tries to get me to submit my documents, when they stand to profit from a bogus and biased collection, with a conflict of interest.
Consumer complaint received 2016-11-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

Refinanced home in XX/XX/XXXX while being promised a XXXX % received a negative amortization. Since payments were not affordable, ( rising from {$590.00} to {$1300.00} to {$1600.00} to {$3600.00} t0 {$4400.00} and so on ; I was granted by the lender a modification at XXXX % through their retention and modification department and further they said that if I added my children to the property, it would better protect me ; 8 month later they accelerated the mortgage because an unqualified banker did my modification. It was prepared by the bank on XX/XX/XXXX and recorded in XX/XX/XXXX. 
I hired Attorney XXXX - He used the more unconventional form of non litigious behavior with the bank, upon a hearing and a modification request 5 years later ; to no avail Enter attorney XXXX and gets paid XXXX for what I discovered to be a " skeleton Bankruptcy- Case is dismissed in Court Enter attorney for a family members of mine, co owner of property with kids and I and files his own personal bankruptcy, for his homestead Enter XXXX XXXX was hired to fight the foreclosure and get a modification. On XX/XX/XXXX, he goes to court without my consent and signs off my rights to my home ; I called him and told him I would be filing a bar complaint that where were my modification papers ; answer lost He sent {$1000.00} withdrew from the case and left me hanging In walks XXXX to do the Bankruptcy Chapter XXXX, XXXX motion for stay not filed I do not know why, takes home out of bankruptcy, and sends Chapter XXXX papers that represent the wrong figures Enter Foreclosure Sale Date : XX/XX/XXXX
Consumer complaint received 2015-10-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

I previously filed a complaint with you, it is the Case number : XXXX. 
My complaining is about unfair and deceptive business practices. Bankunited is offering in XXXX XXXX accounts an interest rate of XXXX for 3 months and afterwards, the interest rate is XXXX. However, I have a MM account with BankUnited for almost 20 years. XXXX has been lowering my interest rate until 0.3 %. This means that they have been giving me only a half of the return value, or interest rate that they should in relation with other customers. But, the market value of my money is the same as of those they called as " new money ''. This " new money '' is often the result of closing an account and re-opening it again. 
The first answer of my bank was they were unable to locate my account. Then, they said, that there were too many XXXX XXXX and they did not know who I am. 
Today, after 3 months dealing with them and waiting for a solution ... they offered me 3 months rate at XXXX and afterwards 0.6 %. 
I do not need the intervention of too many people or reps and 3 months waiting period for closing my account, sit in the lobby for XXXX min, and re-open my account again with " new money ''. I would like to know if the CPFP is able to provide me any help or assistance? 
I am XXXX and I have enough neurons to be graduated from an university and this " solution '' sound to me as a foolish. 
I would like to obtain your help if possible in handling this complaint. They are excusing behind an argument that customers has to be checking for " bank offers '', but instead, they do change " offers '' at its convenience b/c my XXXX account was openned at an interest rate of ( at least XXXX XXXX or higher. Then, the bank is able to reduce my interest rate without calling me and ask me if I agree or not with this change, but to increase my interest rate I have to be checking " often for offers '' with the account administrators. 
All banks that I know offer a rate that is directly related with the amount of money in the account.
Consumer complaint received 2017-03-14
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: AMERICAN ADVISORS GROUP (CO)

I recently refinanced my reverse mortgage. I went to receive my first distribution check a few weeks ago at XXXX. Mistakenly I was given the commission check of the broker and was horrified to see he had been paid {$12000.00} to originate this loan. I discovered that the lender AAG, Inc and the broker were using " premium '' pricing to increase their profits at the expense of myself and I 'm sure many other elderly people. XXXX of MTI Toolbox had originated this loan at XXXX points above par without my permission and without any disclosure that this was happening. I believe that this is a new strategy that is being used by the reverse mortgage industry to increase their profits now that foreclosing on these loans is much more difficult due to Dodd-Frank..
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

XXXX account was paidin full with call ctr on XXXX XXXX, 2012 company reported as unpaid and in collection. I have copy of payment taken from my credit card.
Consumer complaint received 2016-12-27
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Hello, my name is XXXX and I lived in XXXX for 4.5 years while attending XXXX University. I started an online business while in college selling high-value designer goods. I was the victim on an online return fraud, caused by EBAY and PAYPAL. in which the individual returned me a counterfeit item via USPS mail. 

I sold an individual named XXXX of XXXX, NJ ( Shipped to his address at XXXX, XXXX XXXX ) a vintage, handmade designer belt for {$500.00}. He opened up disputes with the payment processing company, first falsely claiming that he did not receive the item ( when I checked the USPS tracking it had arrived that morning ). Ebay ended up siding with me after I contacted USPS and provided proof the item was received. 

He then opened up a different dispute claiming that the item was not as described, claiming that it was a counterfeit belt, which forced me to accept a return. When I received his return, he had sent me a counterfeit replica of the belt I had sold him. The item he returned to me was completely different than I originally sent. 

After providing these images, ebay sided with me. He then opened up a dispute on paypal, which they sided with him. I called paypel a dozen times and provided pictures, and they still refunded him the money from my account, claiming I needed a police report as proof. 

I attempted to contact the XXXX police department by phone in XXXX, and was told to contact my local police department. At this time, I was in college in XXXX, XXXX, and unfortunately they told me to contact the XXXX police. They were both useless. Thus, I filed 2 FBI IC3 Internet Criminal Complaint forms ( # XXXX and # XXXX ). Finally, paypal gave me money back out of their own pockets. 

The transaction took place on ebay through paypal. Neither of the companies assisted me in any way. I contacted multiple other sellers from his transaction history and they told me he had performed the same return fraud against them. As far as I know he has done this at least 4-5 times. I have picture evidence to back up everything I have said, as well as screenshots of the entire conversation history. He sent me multiple abusive and threatening messages in the course of commiting the return fraud, all of which I have documented. 

The worst insult is that ebay has deleted all of the negative feedback I left the buyer. They deleted other feedback from different people he scammed. They removed all of the resolution center history off the website, making it inaccesible to me. They wiped clean any evidence of this ever happening. The user changed his username, and did not receive a ban, even though he very clearly deserved it. 

I have already received my money back after 2 months of hard work, stress, and anxiety, but I would like to continue for justice against ebay and paypal for letting this happen.
Consumer complaint received 2016-08-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have been dealing with Navient, formally XXXX XXXX, about an issue of miscommunication which landed my student loans in default. I have been repaying them while on a payment agreement but they have been and are still reporting my accounts as past due for obsurd amounts of money. When I call them I am placed on hold for an hour at a time and I never get the help I am asking for. I keep getting passed off to different people who ca n't help me at all. After a couple years of fighting with them about this and getting nowhere, even when I hired an attorney to try to have them remove the false reporting from my credit history, I am reaching out to consumer finance. Since I have been on the payment plan for a few years now I am asking to have someone help me get Navient to reverse the false reporting of past due payments since I am making payments on the all of the loans monthly. Thank you.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I went to collage before getting married, and was surprised when they were going to figure my payment from both incomes, but whatever then they said that they base the payment from my PRE-TAX income, if I brought home my pre-tax income I could make a payment, as it was they wanted almost XXXX dollars a month, which was too much and when I offered to send at least XXXX a month for good faith I was told not too bother that it would not be counted. Prior to becoming Navient I was paying XXXX $ a month and there is no record of it from Navient so that was a waste of payments so I have been deferring and racking up interest. I hope too have my car paid off in a few years ( need the car to get to work ) and I can put that payment to my Loans but it would still only be XXXX a month so im at a loss I want to pay but XXXX a month is too much I would rather pay XXXX a month till im XXXX then XXXX and not feed my family
Consumer complaint received 2016-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CT)

Hi, Navient, despite my telling them that I can not pay the outrageous $ XXXX private loan, are calling me XXXX5 times per day. I told them that calling me that many times is not going to make me all the sudden have the money. The person said they do n't care. It is unecessary harassment as far as I am concerned. The bankruptcy laws written for student loans have allowed the colleges to raise their prices exponentially and now an entire generation has fallen victim to their ability to get guaranteed loan money. This is a consumer protection issue. I want the calls stopped. When congress acts to allow for student loans to be discharged in bankruptcy I will go through that process. That is how this will end. They will not be payed on this predatory loan. I took that loan as a XXXX XXXX XXXX who thought that good paying jobs would be available to justify the expense. That has not been the case for me and many people my age, instead there is an epidemic. I am on social security XXXX for my inability to work. I have applied to have the private loans discharged like my federal loans were and they have denied me 3 times. I am saying no to this corrupt government practice of not allowing discharge of debt through bankruptcy, it is equal to debtor prison, it is unjust, and it will be defeated.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

Navient incorrectly processed ICB repayment plan paperwork for at least 6 months or more. Each of these months I was put into deferment until they could resolve the issue. I called monthly to check on the status of the request and make sure it was being handled. Being in deferment caused me to incur more interest than necessary- their error at my expense. By the time it was resolved, I had to resubmit paperwork with the next set of tax returns- it took that long to resolve!
Consumer complaint received 2015-06-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have been calling Navient for weeks now in an attempt to lower my payment. I lost my job and am unable to make an astronomical payment. They are refusing to lower the payment amount. The Ombudsman will not return any of my voicemails. I do n't want to default but I ca n't pull {$400.00} a month together without a job and they are n't willing to compromise at all.
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (VA)

I remained in contact with XXXX  XXXX to include additional appointments at which no time they mentioned the bill nor sent me a bill since XX/XX/XXXX. I was paying {$25.00} a month. I sent in for financial assistance on 3 occasions, I called, I emailed. Then it began to report on my credit as of this month, XX/XX/XXXX. Again, I contacted XXXX  XXXX and emailed them. They have not responded. I contacted Choice Recovery and disputed also via phone. I have disputed on my credit bureau also. This is ruining my credit. I am XXXX with limited income and they are failing to properly communicate with me and they have reported debt to damage credit and are causing undo hardship without assisting me financially through a hardship program! 
Choice Recovery has NEVER contacted me. This just appeared on my credit
Consumer complaint received 2015-07-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (OH)

I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result.
Consumer complaint received 2016-08-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CA)

SALLIE MAE IS THE WORST. My loan is now in default because I have called every single month about not being able to afford my loan payment due to being unemployed and finding work has been difficult, though I have been actively searching every day. A few days ago the guy from sallie mae said that he could help reduce payments, but then harassed me about being able to pay it if he did. I explained my dad is already broke and has been giving me all the money he can to help with bills, but he has no more money left to give. I told him everyone else I have called says that they do not care and wo n't help. Then he said well we are only calling all the time to get you out of default, I then told him I would n't be in default if someone would have helped me in the first place instead of saying they do not care. Sallie Mae should not be allowed to call more than 10 times a week max. They call about 20 times a day. I feel so harassed. Because of them I ca n't support my own son because all the money I do get has to go to trying to get out of default so I am back at my dads. They are the worst company to work with. Not even XXXX or XXXX is doing this.
Consumer complaint received 2016-05-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Remex, Inc. (NJ)

XXXX XXXX were billed to XXXX XXXX. XXXX XXXX denied payment as they required more information. XXXX XXXX XXXX has filed bankruptcy. Outstanding debts were sent to Remex Revenue Services for collection action. I provided all documentation to Remex and they refuse to provide me with written confirmation that my record is cleared.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

Chase had some type of update to their online banking where I am not getting any alert for balances payment made and not allowing me to do transfer. I was charged three over draft fees around a months ago. I called they stated they cant fix it but they will fix it. Again yesterday same problem over draft benefit is not working so its not transferring money between the accounts and no alerts of bank transactions as I was assured now it is fixed. So I was charged another two fees. Last night I attempted to transfer money between my account it wouldnt let me. I called and was told that was fixed. So today I was charged another two over draft fees. I been charged XXXX in fees due to bank errors.
Consumer complaint received 2016-09-26
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (TN)

I have been on the phone and ca n't get through this horrible phone system and sit and wait for the fraud area to pick up for over an hour and then it just disconnects. I am out {$100.00} that I need to feed my kids with and I ca n't get any response. I have had it! I ca n't get anyone to provide the police report details to.
Consumer complaint received 2016-10-03
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (FL)

I got 2 emails today one stating I had authorized a transfer to XXXX XXXX for {$100.00} ( XXXX seems to be their fee ) thru a company named Zoom and the second one cancelling said transaction. 
I did not do neither. I never sent the money to begin with and now I 'm very concern because despite the fact it was cancelled these people had my information and when I called this Zoom place I was placed on hold and then passed to a 'verification ' office were a person named XXXX wanted my personal information and when I did not want to give her my personal information she said that without it she could not help me. 
I need to make sure my information is safe and to know how this people got a hold of my information Thank you
Consumer complaint received 2016-02-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc. (CA)

I applied and was approved for a loan from SoFi on XXXX XXXX. Signed and submitted the acceptance paperwork on XXXX XXXX. Since then, every employee has given me a different story on when the funds will be in my account. I 've been told on three different occasions the funds were ACH 'd into my account and would be available in a few business days. I was given other deadlines by two additional employees for when the funds would be available and those, too, have came and passed. The customer service representatives have no more information available to them than I do when viewing my application online, and I 'm being told that the fate of these funds is in the hands of a funding department that no one can contact, has access to, or has a phone number for. A supervisor was supposed to get me a transaction tracking number and call me back, she never did. I spoke with another supervisor who told me the funds were approved XXXX XXXX, and I have yet to see them. At this point I think I was the victim of a fraudulent scam aimed to obtain personally identifiable information from consumers. The interest rate on my acceptance paperwork is actually higher than what I was approved for, and that paperwork says I have a payment due on XXXX XXXX, even though I never received a dollar from this company. At the very least, this is an inefficient, misleading, and dishonest company who flat out lies to consumers. Worst case scenario, it 's a complete scam.