davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WI)

I submitted a complaint in XX/XX/XXXX regarding a " delinquent '' US bank line of credit with CFPB. I was rewarded my desired solution in that they were supposed to REMOVE the account from my credit report. What US bank did was mark the account as paid and closed, but what I 'm currently finding out is that it still shows up on my credit report as a delinquent account and it is affecting not only my credit score, but I am not able to refinance my student loans from XXXX school because of it. It 's severely affecting my life once again with an account that was never delinquent and it was declared in my favor back in XX/XX/XXXX, but US bank never did their job. I 'm assuming you can pull up the complaint from XX/XX/XXXX, which is why I 'm sparing you the details of the issue. They should already be on file. The short hand version is that I closed my account with them in XX/XX/XXXX and they failed to close the account, made a new " rule '' to charge accounts without a minimum balance and started to charge me every month without ever calling me or sending me any bill in the mail, so I was unaware of these accumulating charges with an account I assumed was closed. I never knew of the issue until I tried to get a mortgage loan and my lender found this on my report. They are very wrong in this situation and now they are wrong again and negatively affecting my credit once again.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EQUIFAX, INC. (CA)

As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached XXXXPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.
Consumer complaint received 2017-04-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Approximately mid XX/XX/2017, I spoke with a female employee with Navient concerning a possible loan transfer from my provider XXXX. I was given this provider by XXXX who stated I would be given a loan reduction and better terms. First, XXXX did not follow through on their promise. Secondly, after speaking to a Navient employee, I was told my payments would be much higher and a longer term ( than my current provider XXXX ). I firmly told her do not transfer ( cancel ). I also faxed a letter on XX/XX/2017 to cancel. Approximately several weeks-one month later, my loan was transferred to Navient. They ignored my request.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (IL)

I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I explicitly stated that I did not have a job and I was encouraged to fill out for IBR. What the rep told me was that since I had no income or employment then I wouldnt have to pay anything. However, what they did not mention is I would be responsible for interest accumulated. In addition, studentgov sent the IBR form to other loan companies so those companies took my submission as permission to change those accounts. For example, if I was already placed in a forbearance or deferment status with another company, upon receiving my application, they would remove me from that status and place me on the IBR plan.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL (PA)

I lived at XXXX XXXX XXXX when I sold my home in Delaware from XX/XX/XXXX to XX/XX/XXXX I  gave my 60 day notice because the complex had rodent problems and numerous home robberies. When I gave my 60 day notice It was agreed upon by the office manager that they would use a portion of my security deposit towards the two months and whatever was left would be sent to me. They did a home inspection and gave me several compliments on the up-keeping of the apartment. They also sent me a letter acknowledging the 60 days notice and the completion of the home inspection which showed the apartment was in great shape, no damage to the carpet ( I cleaned the carpets at my expense ) and the appliances were in excellent shape. I moved and a month later received a letter showing I owed {$2900.00} for ( replacing the carpet, all new appliances and new window treatments ). I called and spoke to several people who informed me that although the apartment was in good shape, I am responsible to pay for new carpet, new appliances and all new window treatments for the next tenant. When I asked where was that in writing, they could not give me anything in writing showing me that was their policy. I explained that there was no damage to the apartment or appliances and they agreed. So after going back and forth with their management staff and threatening to pursue them legally. They apologized and told me it was a mistake and they rescinded their decision and agreed with me. I asked for a letter to confirm that they would not hold me accountable for all new carpet, new appliances or new window treatment. Never got the letter but they did remove it from my credit report. Now after years have passed, they put it back on my credit report again via a collection agency ... this time I want to pursue them legally. My security deposit was about 3k ... ..two month rent would have been about {$2200.00}. I want my remaining security deposit back and I want this removed from my credit report for falsely showing I owe them money when in fact I owe them nothing. I am not responsible for them giving the next tenant new carpet, new appliances or new window treatment. That apartment was spotless, carpet was clean ( looked brand new ) and the appliances were in great shape. Window treatment was also in great shape ... .they should not be able to get away with this ... ..I also want a list of all the damages they say I caused to the apartment ... .but I want them to also have the maintence manager who did the inspection give a statement on how she told me my apartment was spotless and immaculate. She also asked if they could use my apartment for pictures in the apartment guide book ... .Please assist me in stopping slum landlords from robbing their former tenants and damaging their credit for things that should be paid at their expense. If they choose to give all new carpet, all new appliances and all new window treatment it should be at their expense not their former tenants.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (MD)

Two checks I sent were cashed but not posted to the account. I do not know what they did with the money. I filed a complaint with the Office of Consumer Protection of XXXX County, Maryland ( XXXX ). They have all the information. and sent 2 letters to Chase but got no response - I had also sent two letters but no response except for more statements.
Consumer complaint received 2017-04-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I have a FHA loan and Chase has been my servicer since XX/XX/XXXX. When I was a traveling contractor, I used to call in my mortgage payment over the phone. I was charged a phone pay fee and I believe that fee was between $ XXXX. I paid over the phone on and off until XX/XX/XXXX I believe as I was told it was free at that point since I had opened an account with them. I was on an OCC mandated foreclosure project between XX/XX/XXXX to XX/XX/XXXX. On this project, I learned that a servicer can not charge a phone pay fee on FHA loans. With that being said, I would like to have all of the phone pay fees that I was charged since the loan 's inception refunded back to me. Since I work in the mortgage industry and mostly as a contractor, I ran into some financial issues in XX/XX/XXXX as a result of the housing crash, which included taking pay cuts and paying my own expenses as a contractor. When I was laid off XX/XX/XXXX, I applied for the Home Affordable Unemployment Program ( HAUP ) and was approved to pay {$0.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my XXXX payment but also applied for the Home Affordable Modification Program ( HAMP ) the same month due to the forbearance. I was unable to make my XXXX payment because I was in between jobs but I made my XXXX payment. I was approved for a modification under the HAMP program in XXXX and started my trial payments in XX/XX/XXXX. I made all of my trial payments on time and my modification was finalized in XX/XX/XXXX with a first payment date of XX/XX/XXXX. I have been performing with on time payments ever since. However, the mortgage lates for that time period are still reporting on my credit report and I have yet to receive any principal reductions from the servicer for on time payments. I used to underwrite HAMP modifications at Chase. The HAMP guidelines required the servicer to correct mortgage lates after the HAMP modification was finalized and also gave a {$1000.00} principal reduction to the borrower every year for 5 years if payments were made on time. The mortgage lates are still on my credit report which has caused me to receive higher interest rates on auto loans, credit cards, etc. I have yet to receive any principal reductions to my principal balance to date and I have made on time payments on my HAMP modification since XX/XX/XXXX. I have called Chase twice about this and have not received an answer to date. I would like to have Chase 's regulator look into this matter and have these items resolved and/or provide further clarification. I appreciate your assistance.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

I attended XXXX school at the University XXXX XX/XX/XXXX-XX/XX/XXXX. I was not able to work because of XXXX. We filed bankruptcy in XX/XX/XXXX. We entered into a stipulated judgement on XX/XX/XXXX. The XXXX student load debt at that time was XXXX. The XXXX student loan was {$46000.00} at that time. In the agreement, I was to pay XXXX {$55000.00} without interest. I was to pay XXXX {$21000.00} without interest. The loans were sold and I continued paying on them. The XXXX loan was paid in full in XX/XX/XXXX. I just received the paperwork documenting that the XXXX loan was paid in full XX/XX/XXXX. During the last two years Navient revived the original loans INCLUDING INTEREST in the amount of {$310000.00} with 8 % interest two years ago. They show a consolidation in XX/XX/XXXX that does not exist. Even if Navient acquired these loans as a holder in due course, they could not acquire rights beyond the settlement amount of the settlement. In addition, I paid the loans as billed by the companies they were sold to. I am XXXX years old and working at a XXXX ; I make {$XXXX} per year ; my husband makes {$XXXX}. I have no assets. There is no way I can pay for these loans again, nor should I have to. Please help us.
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (VA)

I deposited my paycheck for {$1400.00} on XX/XX/2017 around XXXX to the PNC bank over the ATM. Usually this clears same night. Then XXXX payment posted on the same night ( XX/XX/2017 ). The attached statement shows that there was credit balance on XX/XX/XXXX but they still charged of XXXX overdraft fees of {$36.00} each for the XXXX payments totalling {$140.00}. I do not understand this practice. The attached statement does not show my funds were insufficient. Why make the XXXX payments as overdrafts first and then credit my account with my deposit? I would appreciate your assistance please. Thank you. 
I suspect this to be fraudulant practice. Please help to recover the overdraft fees. I called the PNC bank.. The clerk said he does not have the power to reverse them but lodged a complaint to his manager who should call me within 48 hours.
Consumer complaint received 2017-04-11
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 (PA)

Nursing home where my mother was staying is trying to collect a debt that she owes from me. I am her daughter but did not sign her into the home nor do i have Power of Attorney.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

XXXX dba XXXX office manager XXXX, billed to our Care Credit/Synchrony Bank Account for work that was to be done in the FAR future, not within 30 days. This work has still not been rendered, but they are STILL expecting us to pay for. XXXX told us that we were signing as ESTIMATE to lock in the prices, NOT they it gave permission to bill our Care Credit card. After this, they fired the Dentist I HIRED to do the work. I asked that ALL charges for servies not rendered to be refunded immediately, as I was going to follow XXXX to wherever he went to. XXXX REFUSED, stating work HAD been done. I asked for my file to be sent to me, XXXX never did. I filed a dispute with Care Credit. Care Credit sent me the information that XXXX sent them ; in this packet of information, was ALL of my PERSONAL information that I had asked for & XXXX refused to give me. In this was my Patient Ledger AND ALL the Clinical Notes with my personal information!!! I did NOT give XXXX nor XXXX my permission to release ANY of my personal information!! This is in DIRECT violation of HIPPA!! Once I got all this information, I compared the Patient Ledger to the Clinical Notes, figured out what was ACTUALLY done & then paid accordingly. Care Credit & XXXX REFUSED to take the bogus charges off the account. I ca n't get any more dental work done until the charges are removed. I XXXX. This is causing MANY issues with my health & well being & my relationship with my husband. I HAVE PROOF THAT THE WORK THEY ARE BILLING FOR HAS NOT BEEN DONE!!! I REFUSE TO PAY FOR WORK THAT HAS NOT BEEN DONE!!!
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I banked a check for {$1100.00} through mobile phone deposit. 
The transaction did go through. 

My check was then stolen in an incident where a women took my wallet while at a cafe. Unfortunately my check was still in the wallet. She scribbled out my name and wrote her own, took it to XXXX and managed to cash it even though it was clearly scribbled out and visibly fraud. 

I reported this immediately to my bak ( Chase Bank ) and filed a claim. XXXX could not accept my claim so then my place of employment who issued me the check went to the bank and filed XXXX claims all of which were dismissed. 
There is hard evidence that I was wronged and money was stolen from me and the bank are dismissing my claim as they think they will be unable to have the money returned by XXXX though none of this is my fault and the banks allowed this transaction to go through.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Every month my federal student loan payment is automatically deducted from my account. My XX/XX/XXXX payment was deducted and I noticed the amount was higher than before. I compared my XX/XX/2017 statement to XX/XX/2017 and noticed the interest rates were different ; higher XX/XX/XXXX. I never received a notice from Navient that the interest rate or the amount would change. These are the loans from XXXX
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NJ)

I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. 






































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Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

Hello I have had my loans withXXXX XXXX etc whom all my loans were sent to this company from XXXX til XXXX, I became XXXX and submitted several XXXX they say from faxes from old emails etc that tgey never got, they say, they even garnished my social security check and took a tax return.I have done another discharge when i got up the nerves of how this goes again, to go over what was needed and get it from social security for them to say they need social security to tell them more, no my paper they sent me tell more tgan enough, and this happened a few days ago before my 60 day wait for it to be done, I even paid interest inschool and a out and stopped an the interest they were charging still exist under the whatever interest, or no interest now, thats old interest transformed.Please contact me had use 2 names to my loans!
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (IL)

I took this loan out in XX/XX/XXXX or XX/XX/XXXX ( XXXX ) and the SAVING & LOAN that handled defaulted it because he payment was too high ( for me ). I offered a little less but they were n't interested. I then became XXXX and went on XXXX around XX/XX/XXXX. The loan was discharged by nelnet approx XX/XX/XXXX or XX/XX/XXXX. I returned to work in XX/XX/XXXX and they began to grab my tax refunds. All of the years that I was on SSD should be considered since the interest is now XXXX $ a year among other lies I was told through the application process. Thank you
Consumer complaint received 2017-04-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (GA)

I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

I am a public interest attorney and have been on the income based repayment plan ever since in XX/XX/XXXX. I have not missed any payment because of the Loan Repayment Assistant Progam that covers my monthly payment. 
For the year XX/XX/XXXX, I was late with recertifying my Income Based Repayment plan for 3 weeks ( the deadline was XX/XX/XXXX, but I submitted my recertification request on XX/XX/XXXX ). I missed the deadline because I was not aware of the deadline. My lender sent me a notification prior to recertification deadline twice via email only, but I was not checking the email account since that email account had been hacked previously. Now I just learned my interest has been capitalized and the principal loan amount increased as of XX/XX/XXXX. I called my lender several times to understand why it happened, and each time, different representatives gave me mixed answers- one told me it was because I was on forbearance, which I was not even on at that time, and someone else to me that it was because I made too many {$0.00} payments. I was not convinced with those reasons, and still called the lender several more times, and I got the most convincing answer that it was because I was late with my recertification request. I agree that it was partly my fault that I was late with recertification request, but the consequences of it, which is capitalization of interest, is too harsh for one negligent act, which was not intentional. I have been talking to my lender if I capitalization of interest can be undone in lieu of payment of penalty, but the lender says there 's nothing can be done.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC (NJ)

Titlemax of DE illegally repossessed by vehicle from my home address in NJ. I have been unemployed since XX/XX/2017 and had been telling them to give me time to pay. They took the vehicle on XX/XX/2017 without informing me and did not give me opportunity to remove personal belongings from the vehicle. I need the vehicle to look for work.
Consumer complaint received 2017-08-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (GA)

This debt should have been handled several years ago and I am still receiving threading calls to garnish wages and had the police show up at my house. I have now been forced to pay on a collection {$300.00} per month. They are saying that I owe a total of {$47000.00}