davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MS)

Attempt to resolve with Nelnet ( " NN '' ) unsuccessful. All dates in XX/XX/2017. Complaint pertains to all NN-serviced loans. I retain complete audio recordings of calls with NN on XX/XX/XXXX ( " XX/XX/XXXX calls '' ) and on XX/XX/XXXX ( " XX/XX/XXXX calls '' ). I retain copies of all apps submitted to NN on XX/XX/XXXX ( " XX/XX/XXXXREPAYE, '' " XX/XX/XXXXPAYE '' ), emails submitting such apps ( " REPAYE Email, '' " PAYE Email '' ), and emails from NN to me on XX/XX/XXXX ( " XX/XX/XXXX emails '' ). There are 8 SEPARATE complaints which I request be addressed SEPARATELY. All sentences below are followed by citation of supporting evidence. 

1 ) NN canceled XX/XX/XXXXPAYE without authorization. XX/XX/XXXX calls ( NN admits ). On XX/XX/XXXX, clearly and explicitly, I requested verbally and in writing that REPAYE app be canceled but subsequent PAYE app be processed. XX/XX/XXXX calls ; XX/XX/XXXXPAYE ; PAYE Email. NN stated this would occur as requested. XX/XX/XXXX calls. Cancelation occurred ON XXXX XXXX with no attempt to notify me until my XX/XX/XXXX call requesting app status. XX/XX/XXXX calls ( NN admits ). 

2 ) NN refused to process XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

3 ) NN failed to place me into ANY IDR after XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

4 ) NN declines to offer adjustment for time between XX/XX/XXXX and XX/XX/XXXX ( " Lost Time '' ). XX/XX/XXXX calls. 

5 ) NN refuses to place me into PAYE, citing inaccurate Dep't of Edu. rule. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

6 ) NN stated to me that I am eligible for PAYE. XX/XX/XXXX calls. 

7 ) NN claims it can not review XX/XX/XXXX calls. XX/XX/XXXX calls. 

8 ) NN hangs up on me and promises follow-up communication that does not occur. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

I may apply for non-PAYE IDR to the extent NN refuses to place me into PAYE. I continue to demand placement into PAYE through processing of XX/XX/XXXXPAYE, even if placed into non-PAYE IDR through app for such made after this complaint form is submitted. I demand adjustment for Lost Time.
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (LA)

Contract was cancelled " NO CONTRACT '' Showing up on My credit report as Account Transferred, Sold, or Purchased by another lender Paid. This should not be showing up on my report if Nelnet Loan Services is no longer servicing the account.
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Almost a month ago my account went negative and I was immediately assessed fees. Before I could get back on my feet and cover any of the charges, the bank continued to allow charges to go through and while doing so assessed fees each time. I have been charged over XXXX fees adding up to more than XXXX dollars. I had a XXXX account with them and they took the money I had out of that account to cover the balance without any warning causing my other account to become negative. They XXXX charged XXXX fees to that account as well. I have not been able to catch up and they took all the money that I did have, so now I am unable to do anything at this moment. I can not even pay my rent. The XXXX time I called about the fees, they refused to help me at all.
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (GA)

I was issued a XXXX XXXX card from my employer. I have the application on my phone to keep track of my funds. On XX/XX/2018 I checked the app and noticed a substantial amount of money was missing from my account ( {$2100.00} ) .My card was never lost or stolen so I was confused. I immediately called the bank and was told I would receive a dispute form and new card within 5 business days. New card came and dispute form never came. After my 3rd attempt calling, I was giving an email address to send my dispute to. I emailed it on XX/XX/2018. Dispute form came in the mail after I sent my email. Dispute form says my card was lost and not in my possession. That is inaccurate, my card was never lost and remained in my possession. Between XX/XX/XXXX and XX/XX/XXXX someone was constantly checking my account several times accumulating {$42.00} just in ATM fees and withdrawing increments of {$300.00} seven times late night at an ATM. I called XXXX XXXX several times during the investigation and was giving no useful information about my account. On XX/XX/XXXX I received a letter denying my claim due to conflicting information given.
Consumer complaint received 2017-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I went to   XXXX   XXXX   in  XXXX  and at that time I took out loans totaling around {$45000.00}, for school tuition and living expenses.  XXXX   XXXX  was a  XXXX  hour school and they discouraged you from working while in school and also made it nearly impossible with a schedule that changed monthly and held classes at all hours of the day. They were preparing us for the real world environment. It is now  XXXX  and I owe {$59000.00}! I also just paid off the {$6000.00} balance of  one  of my loans this past  XXXX  that had  % 15 interest!  I have only ever misse d 3 payments , I pay my monthly balance due.     All of this was for an  XXXX   XXXX  in   XXXX   XXXX    that is completely useless.     I was technically successful! I worked in   XXXX   XXXX  , on   XXXX   XXXX   projects with world famous artists. I managed a   XXXX   XXXX   XXXX   in  XXXX  for 6 years! But no matter what I did in the industry I could never make enough money to pay the loan off, just enough to pay the monthly payment, which mostly goes to interest.     I think it is ridiculous that I was able to to take a loan out for that much money to enter an industry that does not have the jobs to support the amount of graduates entering it. Add to that, the jobs that are available are not paying enough to pay off the school tuition.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WI)

In XXXX, 2015 I was approached by the mortgage division of a bank about refinancing my mortgage. I was told that there would be absolutely no cost to me., which on paper seemed to be true. However the day before the closing I was informed by mail and by phone that because my previous mortgage holder had not not maintained the escrow account properly and the amount of the refinance would be {$3000.00} more than what I owed on my house. I had my suspicions that the refi was no longer at no cost, possibly an instance of bait and switch. I wish I had not proceeded with the refinance but I went ahead with it, as it was still going to save me what to me was a significant amount of money. 
Two or three weeks ago now I received notice from the lender that my escrow account was short of funds again in the amount of almost another {$1000.00}. This is going to raise my monthly payment by an amount almost equal to what I saved by refinancing. Now I am convinced that something is not right and perhaps fraudulent.
Consumer complaint received 2023-02-06
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. (FL)

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. 

Account name : XXXX XXXX # XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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.
Consumer complaint received 2023-02-06
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: VEROS CREDIT, LLC. (NV)

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. 

Account name : XXXX XXXX XXXX XXXX, Account name : VEROS CREDIT XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE NUMBER. XXXX, 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I purchased a XXXX ( not diesel ) in XXXX. It was considered a demo, driven by the XXXX dealer manager for a year. On XXXX, I brought the car in because the engine light was on and I was due for an emission test. ( I regularly had all service done on the car..but not necessarily with XXXX, had issues with them ) I had had an issue with the engine light being on sporadically for as long as I owned the car, it was repaired but then would come back on.The day I brought the car in the XXXX service center said there were 4 issues with it. I picked two to be repaired which would include the engine light issue and the other one XXXX thought was more important, with the other 2 to be repaired at a later date. I had just spent over {$2200.00} in repairs 2-3 months previously. Five minutes after I pulled out of the dealership the engine light went back on. I was on my way out of town so I could not return. I am disputing the XXXX charge. I have reached out to the State of CT Attorney General 's office, obviously I am not important enough ... they only do " mediation '' ... I have spent hours putting together all my paperwork..and ST of Ct only sends me XXXX copy of their reply ..twice. I did dispute the charge with my credit card company ( CitiCard ), which they originally credited me..but the charge was put back on my card. I am willing to sacrifice my credit on principal. The employees at the XXXX CT XXXX dealership lied. I am attaching backup for your review. Your help is very much appreciate.
Consumer complaint received 2015-10-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do.
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I opened a Citigold checking account XX/XX/2016 with the targeted XXXX code for XXXX XXXX XXXX miles. The promotion required {$1000.00} in debit card purchases and 2 consecutive months of bills paid online. I fulfilled these requirements in XX/XX/XXXX, and was told that I would receive my miles in my account by XX/XX/XXXX. I received written confirmation via live chat that I was qualified and eligible, and also have the results of an investigation that confirmed I was eligible. I was told both times that I would receive the miles within 90 days of my last qualifying purchase ( in XX/XX/XXXX ). However, it is past when I should have received them and I am being told that I there is yet another review going on to see if I am eligible. In the meantime, I have been charged service fees twice while waiting.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (OR)

I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation??
Consumer complaint received 2016-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: GREAT LAKES (TX)

On XXXX XXXX FFEL loan serviced by XXXX XXXX XXXX disappeared from XXXX website including historical payment and interest paid. Called XXXX on XXXX XXXX and was advised loan was resold back to guarantor Great Lakes Education. Next day XXXX XXXX, luckily I observed email from Great Lakes requesting payment due in 9 days when monthly payment was previously accepted for XXXX by XXXX! [ see attached ] Both XXXX & Great Lakes failed to send any prior written correspondence informing of future change in creditor, loan balance, amortization schedule, payment amount, how last payment would be applied, or where to send future payments. Without personal vigilant proactive awareness, I would not be aware of a change in this debt ownership, or balance details! 

I called Great Lakes and their rep informed me they only send digital notification for account issues and the responsibility to notify change in ownership should be from XXXX. Great Lakes website had outdated contact information for me except for my email address which was the only contact that was still valid. How do I know their balance calculation is correct without any written correspondence to confirm??! 

In my recorded call to Great Lakes, their rep also advised me to ignore the statement due date while they try and " figure it out '' despite interest accruing each day. I can not just ignore a payment request and hope they " figure it out ''. XXXX advised me that Great Lakes should have notified new change in ownership while Great Lakes points blame at XXXX. Both servicers are not legally handling this migration correctly and giving no valid proof of debt. 
I request Great Lakes send me an amortization schedule to validate the transferred loan amount, the calculated interest, payment calculation, and historical payment information. Great Lakes advised me they do not provide amortization charts which I feel is a violation of my FDCPA and TILA rights. The loan has already accrued new interest while I am in dispute. Great Lakes has tried to redirect me to the statement balance which is NOT a VALIDATION of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

To recap, I am asking these lenders to validate the original debt by providing original written bearer of instrument of original loan documentation, provide full method of verification of origination loan balance principle, interest amortization disclosure, and fees for this debt up to and including the transfer to Great Lakes. I also want transparent information how my XXXX XXXX payment was applied to the loan balance prior to the XXXX XXXX loan transfer.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I checked my credit reports and I noticed a debt from a collection agency I C SYSTEM INC for XXXX for {$550.00} that was placed into collection on XX/XX/15. This debt does not belong to me and I was never notified by the collection agency of this debt so I could dispute it. I never signed a contract with I C SYSTEM INC OR XXXX.
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC (DC)

I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and Cascade Capital ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). 

However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from XXXX XXXX XXXX XXXX XXXX, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as Cascade Capital. Cascade Capital is XXXX of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with Cascade Capital. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cascade Capital, LLC (TX)

I disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

Dear sir, I am victim of CC fraud while I make my monthly bill from my CC for cellphone bills back from XX/XX/XXXX until XXXX. I noticed it lately in and around XX/XX/XXXX, but contacted the cellphone company store representative and describe why this charging is still happening while I was your customer and even after I closed their service and get cellphone service from other sister company. The representative retain copy of my CC statement and told to be contacted. Nothing back and replied. Then I contacted my CC provider and reported complaint and recorded as a dispute to follow up. Then sent me a letter to provide them with supporting documents I had, but I were not able to do so due to where to look for this docs., my first experience and luck of knowledge about it. Meanwhile the CC company sent me a new CC thinking that would help to stop the transaction and that did not stop charging me monthly {$100.00} without my authorization and knowledge. Yes here I can not deny that I had weakness to check my account transaction periodically and report as early as two three months after, but I completely relied on my service provider and CC to handle with integrity and security, but now I could not find and get any help stop my lose of money and affects my clean financial transactions and would affect my CC points if I am forced to close my CC account completely to stop the rip offs. 
I just ask your Bureau assistance to get the bottom it and get my money back. And also to be an example of such kind of victim of fraud to others. I seek all necessary technical assistance, followups and help what to do, where to begin with, how I could provide with you confidentially all necessary documents and information 's. 
Sincerely your help seeker ; Thank you, May XXXX Bless America!!