davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (AZ)

On XX/XX/2017 I received communication from CBE group regarding a debt on behalf of XXXX. I canceled XXXX and was advised that even though I canceled I was charged after the cancellation. I disputed the debt and requested the verification in writing. I was denied the request to have the debt verified. The collector also told me without asking permission that my boyfriend 's cell phone would be called on an auto-dialer which is if I am mistaken is a violation of federal law.
Consumer complaint received 2016-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (OH)

I filed a form to change my direct withdrawal information from my old bank to my new bank. AES, the company that holds my Stafford loan, did not switch my withdrawals correctly, so a payment was missed during this changeover. Both bank accounts were active, and they knew the information for both bank accounts, so it 's not like the funds were not available. They just did not switch them in a timely manner. Ever since this change over, they have been charging me a late fee as if I am paying last month 's loan payment this month. So, even though in reality only one payment was late ( and not my fault ), until I caught this mistake, they charged late fees as if I was paying late every month. Since I was using continuous direct withdrawal, this should never have happened. I called and complained and they are refusing to refund the {$45.00} in late fees that I was charged over the last year and a half.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust statement that the note was sold to XXXX in XXXX - Maybe correct that Suntrust received payment for this mortgage note but the whereabout of the note is UNKNOW. 
The statement that XXXX is an INVESTOR is false- Attached XXXX XXXX letter stating that they have a lien on the property because XXXX Bank is an investor and that the NOTE was assigned to XXXX in XXXX is false. 

XXXX Bank America 's is only the trustee - for documents for an individual investor. 
They are not the owner of the NOTE. 
XXXX assigned the note to XXXX XXXX in XXXX and conveyed the interest under the mortgage to a four years prior closed trust and already bankrupt since XXXX XXXX XXXX. 
Suntrust is NOT a note holder, XXXX is NOT a Note Holder and XXXX Bank is only the Trustee - which would not have documents for an already bankrupt investor. 

The Original Note is requested for viewing and the exact location is requested. 
SunTrust can not service a mortgage on behalf of a bankrupt investor. 
XXXX also NOT an investor or a NOTE holder can not have a lien on a property. 
And XXXX Bank Americas Trust ( which only holds documents in trust for the investor ) is NOT entitled to collect on behalf of a bankrupt investor. 
Who is the owner of this mortgage remains the question. Attached XXXX assignment to XXXX in XXXX ( not XXXX ) and to XXXX XXXX NOT XXXX XXXX as stated by XXXX. A bankrupt trust can not originate a loan. A mortgage and note can not be conveyed 4 years after the trust closed, especially not to bankrupt trust.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I have been trying to apply for the Revised Pay as You Earn plan for almost two years now and continue to be denied for the program and suggested to submit the application in another manner every time that I have spoke with them. I have had a processor assisting me with completing the application pursuant to the information that has been provided by the many representatives at Fedloan Servicing. Every time I 've spoke to them, they illustrate a different way to complete the application. My loans are a spousal consolidation and thus require that I submit my ex-spouses information- of which she has complied with as well. My application was finally approved back in XXXX of 2016 and then was arbitrarily placed back into the standard payment with the claim that there was missing information. I have since escalated the file and submitted another application that two months later still has not processed. I have been told that my file has been escalated and should have resolved within 3-5 days- yet here we are 3 months later with a mandatory student loan debt burden forbearance on my file because I have not been able to pay back my loans in over two years. I have submitted all of the requested documents exactly as described to Fedloan servicing. My file has been pending to be place in the revised pay as you earn plan for almost two years. Fedloan servicing has made me jump through hoops in order to obtain a repayment plan that they have told me I qualify for. It 's very frustrating that it has taken this long for my application to process and the representatives do n't understand why. I understand that spousal consolidations are a tough task to handle, but I have complied with all of their request and would like to start paying back my loans instead of drawing this out any longer.
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

Experian blocks access for their Free Credit Report on " XXXX '' forcing one to go to their website where you have to pay. I have tried for several days to get my personal Experian Credit report. I Have XXXX and XXXX credit score with XXXX and XXXX. Experian reported my score as XXXX to a lender and claimed that I have a lot of negative mortgage history which is untrue. I think it is a scam to force people to pay them to get a credit report. I am sure others are having the same problem. They should be forced to refund all cost to those who were forced to pay them.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

I contacted XXXX and XXXX regarding to let them know that my XXXX account has been completely removed from my credit report. This is an account that was paid on time for over one year, and each payment was reported by the utility company. When the account was removed from those credit report agencies my credit score dropped about XXXXpoints, so I called both of them to ask why this happened. They told me to call the gas company and find out what happened. I called the gas company and they told me to call the credit bureau because they never asked for anything to be removed from my credit report. This has never happened to me before, and it has affected my ability to obtain a new apartment because of the drop in my credit score. I would like to know what I can do about this.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (PA)

The Credit Reporting Agencies hold consumers hostage and decide their credit fate at their whim. Their undisclosed algorithms calculate a score that consumers do not have access to unless they apply for a loan or " buy '' the score from the agency ( for a monthly fee of {$29.00} ). When you do buy a score from XXXX of these companies, it 's not guaranteed to be the same score a creditor would get if pulled on the same day. That is because each reporting agency has multiple scoring systems and there is no certainty as to which XXXX the creditor is pulling. The " key factors affecting your credit score '' are even more of a joke. They do not provide any real insight into your score and are not consistently supported by what is in your report. I recent requested by XXXX report from XXXX. Despite no delinquencies, charges offs, or other negative information showing on the report ( not XXXX derogatory item ), the top factor affecting my score was " serious delinquency. '' The credit score tracking provided by XXXX of my credit cards ( presumably from Experian ) is no where near close to the credit score disclosed to me on a risk based pricing notice from a creditor from the same period. The credit reporting agencies have a monopoly over individual 's credit access and they are not held accountable nor is there any transparency. When is the CFPB going to regulate this industry and hold these companies accountable? How many studies must you conduct regarding the abuse before you take action? FCRA does not provide any consumer protection from these for-profit agencies.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

According to the FCRA, credit bureaus can not report the same account twice. There are XXXX separate accounts reporting twice on my Experian report and I demand they be remove immediately. The accounts that must be removed are XXXX XXXX XXXX with XXXX balance, which this same account is reporting on my file under a different name. The next account reporting twice is XXXX which is reporting the same accounts twice for XXXX accounts, for {$540.00} and {$1300.00} balances. The next issue is missing positive account information for XX/XX/2016 for open XXXX account which should be marked as positive " OK '' status and it is n't. Lastly, the Regions account on my file is completely erroneous and has wrong historical data in which the company has failed to provide physical proof and late records for complete history. I demand all of these accounts to be deleted from my Experian credit file immediately.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I received my EXPERIAN & XXXX credit report and discovered that XXXX XXXX Delaware, hadhad unlawfully without my written authorization fraudulently viewed my creditreport on XXXX/XXXX/2015 in violation of FCRA. I did not authorize any employee of this comp. 
to review my report. This conduct is in violation of my privacy Act.
Consumer complaint received 2015-08-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

the lender was very good at giving the loan out at making 135 % interest! but when I tried paying off the loan early ( there was no prepayment penalty stated XXXX the kept giving me the run around about pending payments and wanted me to overpay the balance on the loan! RIP OFF COMPANY TAKING ADVANTAGE OF PEOPLE IN NEED!
Consumer complaint received 2015-05-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I have a student loan that was taken over by XXXX. With XXXX we agreed upon a 12 month hardship agreement that I would only pay XXXX monthly. My loan was taken over by Navient, who will not honor this agreement. According to XXXX Navient is supposed to honor any agreements previously made with XXXX and their clients. Navient is claiming that they do not have the appropriate information to honor my previous agreement, however XXXX that they have sent all of the information over. Navient is threatening to take legal action if I do not make settlement. Based on my current income, I am not able to make the large settlement payment that Navient is offering, and they will not lower the settlement option.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

I decided to quit attending XXXX after seeing the teachers not help but actually give the answers away for the tests so everyone would pass. Upon seeing this I knew the degree from XXXX would be worthless. This would hurt any chance I had of getting a job in the field of study I was in.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: MLD MORTGAGE INC (FL)

I was charged points on final HUD that were never disclosed to me. When I received final HUD XXXX hours before closing I immediately called my mortgage broker but he was unreachable. The following business day I followed up and pressed him about the points, he told me his " disclosure department '' should have sent me the updated Good Faith Estimate and disclosures XXXX before on the date the rate was locked. These were never sent to me and he could not produce any evidence that there was any attempt to send them.
Consumer complaint received 2016-08-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Moss Law Firm, P.C. (TX)

None of your examples fit my inquiry so I just tried to choose something similar. I was sued like many individuals for an alleged credit card debt and received an ABSTRACT JUDGMENT I in XXXX 2011 by XXXX via attorney XXXX XXXX XXXX. In Texas a Homestead is exempt from an AJ, However the AJ does not reflect this on the document. I started to look into selling my home and learned that I would be expected by research into title companies to pay off the AJ as it allegedly clouds the title. AS Texas law is specific this is excluded. There are hundreds of AJ issued by this financial institution but also others such as XXXX XXXX, XXXX, XXXX, XXXX are just a few. The one commonality is that none denote in the AJ that the homestead is excluded. If any of these or other financial institutions have recovered the alleged debt by means of the Texas Homestead exemption in my opinion have potentially and currently could be still collecting under the guise of clearing an alleged debt which is know to be in Texas. Yes many have and continue to receive these AJ. I believe that these institutions along with their lawyers need to issue corrected AJ which states clearly that a Texas Homestead is excluded. I also believe that it needs to be investigated as to collection on any release in the time filed as aaaaan AJ carries a timeline of 10 years and can be renewed for another 10 years. So the statue of limitations should still be valid and the institutions that have collected should feel penalties and reimburse any party that they gave the impression is owed through their homestead by misrepresentation. I realize that Texas is a large state but the law is specific
Consumer complaint received 2015-09-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (NJ)

I have XXXX private student loans with chase - all from the same type of loan program. All of the loans have completely different interest rates and I feel that chase is choosing the loans with the highest balance and associating it with the highest interest rate. this is not a fair practice as I am actively and unsuccessfully able to make these loan payments. How can a XXXX $ loan bear interest of 10 % while a lower amount loan bears interest of 5.9 %. This is completely and utterly ridiculous and making it impossible to get out from under this debt. I am again, desperately asking for some type of loan modification to bring these loans to a status that myself and cosigner can successfully pay. This practice of charging extremely high interest rates to customers is a awful business practice and needs to be investigated. Chase has been willing to temporarily reduce my payments - when the payments return to the full amount there will be a XXXX % default on my end as it is IMPOSSIBLE to pay the amount asked. Again, I plea that we can come to some type of agreement to modify loan terms or some type of forgiveness because the direction we are headed is not goign to turn out well for either parties as I desperately want to pay these loans back. If anything these rates should be lowered and chase should be investigated for predatory practices as no one my age and with my salary would ever be able to pay these loans. The loans were given without school certification.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (OH)

I mistakenly paid {$70.00} less than the statement balance on my Chase Freedom credit card -- ~ {$2200.00} rather than {$2200.00}. So, their tactic is that the ENTIRE balance is subject to the borrowing interest rate ( that is, the usual grace period is null and void for the credit card ) - not only for the previous statement period but for the following statement period until the payment is received. So, I had interest charges of approximately {$10.00} apiece for two consecutive months ( by which time the balance was completely paid ). Essentially, {$70.00} borrowed for 2 or 3 weeks resulted in {$20.00} interest charge which would amount to an effective annual interest rate of almost 400 %. I hope there could be some reform in the laws so that only the UNPAID portion of the credit debt could be subject to interest assessment.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TN)

In XXXX 2011 I requested a deferment of my loans due to being diagnosed with XXXX and not being able to make payments. The deferment was granted, but I made a mistake on paperwork which resulted in delinquencies being reported. When I realized this, I contacted Nelnet. Nelnet agreed that the months reported as late would be corrected and my deferment would be retroactive. I recently learned that this never happened. I filed a dispute with the credit agencies, but the dispute was denied by Nelnet.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX 2016 two payment were made from my account # XXXX for {$60.00} # XXXX for {$100.00} I had a deposits that day that covered all the payment I made. I did some shopping. Leaving my balance at {$29.00}. On XXXX XXXX a payment went out for {$54.00} leaving me with a negative balance. Not a big deal seeing home I had XXXX direct deposit getting ready to go through. At XXXX I checked my balance it was over {$900.00} showing both my deposits and no over draft fees. The chase employees have always told me that as long as the deposit is in the account prior to XXXX there would be no over draft fees. At XXXX the account showed everything going through fine. The next day they hit me with XXXX overdraft fees totally {$100.00} dollars. XXXX of the items causing the overdrafts were items that has went through days prior at which time they went through the amount was deducted from my account at that time. And the balance in my account reflected those deductions days prior. After going through all my transactions I learned that the actual over drafted amount of {$54.00} dollars that I was worried about causing a fee went through fine no overdraft fee. Instead they shuffled my purchased using my previous balance before the deposit on XXXX XXXX. They used the biggest transaction I made on XX/XX/XXXX to put my account in the negative the then shuffled my transaction that had clear days prior to negative transactions and charged overdraft fees. Chase bank manipulated my transactions to benefit then and to drain my account.
Consumer complaint received 2016-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

My husband and I have had a joint account for 20 years at the same bank. We have been loyal customers and have a checking, a savings, and a couple money market accounts. Over the years, the services have become less generous and recently I have had two very bad experiences that I do not think are legal. First, my bankcard and access to my bank account was cut off because I had not activated a new card that they had sent to me 5 months ago ( that I never received ). When I realized I could not get access to my account, I called and they said they would send me a new card in two days. I had no access to my account electronically or physically and I was unable to transfer money to cover a property tax check. My husband had to go to the bank to do it. Which brings me to the next complaint. We used to have over {$14000.00} credit as an overdraft account. As a busy household with XXXX incomes and young kids, we used this overdraft account often for credit whenever we needed the flexibility for timing of expenses. We have paid plenty of interest to the bank for this flexibility. Late last year the account was reduced to {$300.00}. This amount for us covers very little when you are talking about {$12000.00} of activity during the course of a month. We did get a letter from the bank saying that they were reducing it due to " my husband 's delinquency '' ( there were none - it is a joint account under good standing ) ; " insufficient deposit relationship '' ; and I was listed as an " unqualified co-borrower ''. None of this made sense. When I went to the bank recently, I inquired about it and they said I would have to reapply for it like any other credit source. They also said the reduction was due to a low credit score and debt to income ratio. How would they know what my debt to income ratio was? They said we could see his credit report. Why did they use just his credit report and not mine for a joint account? My credit score and earnings are much higher. We have always paid our bills on time and do not have any debt under this bank anymore. ( I suspect we are being punished for moving our debt elsewhere. ) I believe these actions have been, at worst, discriminatory and illegal ; and, at best, very bad customer service. Reducing our credit line is the same thing as raising interest rates on a credit card. It has resulted in overdraft and several fees.