davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I have a text alert set up on my checking account to alert me when my account goes below {$5000.00}. On XXXX/XXXX/2015 my checking account balance dropped below {$5000.00}. I was not notified via text until the morning of XXXX/XXXX/2015. In the interim I had XXXX items clear my account which caused XXXX overdraft fees of {$100.00}. Had the alert worked properly, I would have moved funds to this account and avoided the fee. After spending XXXX minutes on the phone with Regions Bank representatives, I was only refunded {$18.00} of these fees and told that a supervisor would review refunding the remainder of the fees and call me. I did not receive a call back so I sent a secure message asking that the remainder of the fees be refunded since the Bank 's notification was XXXX days after the actual occurrence of the balance dropping below {$5000.00}. Regions responded that it essentially was not their problem that caused the overdraft as I should have better monitored my account ( which I attempted to do by setting up the text alert ) and that the alert may or may not work.
Consumer complaint received 2016-08-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED AUTO ACCEPTANCE (GA)

THIS COMPANY IS REPORTING THAT I CURRENTLY HAVE A CAR LOAN WITH THEM AND A VEHICLE THAT IS PASSED DUE FOR THE LAST 5 YEARS. IVE CALLED AND VISITED THIS LOAN COMPANY TO GET THIS MAJOR INACCURACY RESOLVED BUT THEY ARE GIVING ME THE RUN AROUND WHILE STILL SEVERELY AND ILLEGALLY DAMAGING MY CREDIT. NOW NO ONE IS RETURNING MY CALLS. I DO NOT HAVE A CAR OR LOAN FROM THIS COMPANY.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF THE WEST (CA)

On XXXX/XXXX/2016 I received a call from XXXX from a women who said she was calling from Bank of the West. She informed me that the she was calling customers because the bank had sent out promotional credit cards to their good customers, with 0 % interest for 6 months and that a lot of people were saying they never received anything. She asked if I had received a credit card in the mail. I told her I had not received any credit card. I assumed that this was a mistake, since there was nothing on my account online. She told me that the she would send out a new credit card and to expect it in 7 - 10 days. On XXXX/XXXX/2016 I noticed a new line of credit on my Bank of the West online account. XXXX also sent me an email that there had been activity on my account. On XXXX/XXXX/2016 I called Bank of the West and I told them my story. They told me that I had signed up to their promotional credit card, which I never did. I told them I needed them to cancel the card and to report this to all credit bureaus as a mistake. She then said she would send an email to her manager to look at my account because I have indicated the account open was done fraudulently. She said I would get a call back. What I think happened is on XXXX/XXXX/2016 the person I spoke to was lying and she actually signed me up for a credit card without my permission. I think this seems probable as her story, that the bank was giving out credit cards seems flawed, I 'm not a good bank customer. Although I have good credit on my bank account I routinely go negative balance. If that did n't happen and Bank of the West opened an account without my permission this is not okay as I never agreed to their credit card, the line of credit and their terms. They have a high interest rate on their credit card 19 % and only 6 months no interest promo, that 's pretty XXXX. I have a XXXX card with no interest 21 months, I would never get a Bank of the West credit card, makes no sense.
Consumer complaint received 2015-04-28
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 repaying my student loans since graduating from college ( no small feat - a sum that is now about $ 600+ every month ). XXXX are federal ; the other XXXX are serviced by Navient ( formerly XXXX XXXX ). 

My complaint is as such : For over a year, I have been requesting that, as a consumer in good standing with great credit, my father be released as cosigner from my loan. XXXX XXXX ( and then Navient ) has had me jump through countless hoops - the first of which is, of course, being able to get past their customer service. Every time I have begun this conversation with them, I am told that for reason " X '' I can not release my father as cosigner, but to call back in 2, 4, 6 months. 

Upon my latest call with Navient, I reached wit 's end. Whilst his colleagues said I would be eligible in XX/XX/XXXX, then XX/XX/XXXX, etc. etc., he told me I am ineligible on the grounds of not making " the required consecutive on time principal and interest payments. " I am not one to complain or lodge accusations against others, particularly financial institutions. But Navient has mislead me, made it inexplicably difficult to discuss my greivances, and ultimately removed any faith I 've had in their institution as a whole.
Consumer complaint received 2016-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I was going to enroll in XXXX University for a XXXX XXXX. I completed the paperwork and prior to submitting the {$75.00} enrollment fee, I was informed from XXXX that I did not have the necessary credits to enroll. XXXX University proceeded with the student loan through XXXX, but I was never given any of the funds. This was in 2009. I have been trying to resolve this since, but now a new company has become involved on behalf of XXXX and they are threatening legal action, wage garnishment, etc. I never received this money because I never actually enrolled or was able to enroll. XXXX continues to send me collection notices for the {$75.00} enrollment fee.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OK)

I have been trying to get a income driven repayment plan thru Navient for over a year now and I have sent in all the paperwork and Prof of income multiple times to a fax number given to me by a navient service representative. And they have misplaced it more than once. They keep putting me on a deferment each time I call to check the status of my application which gathers interest and yet they keep telling me it has n't been processed. But when I called today XX/XX/2017 they told me it was denied in XXXX because they miss placed my income papers and I have been in contact more than once since XXXX and was never told it was denied and each time I get put on a deference. No emails calls or letter were received telling me it was denied. Just call harassing me about my payment being late. Now they are asking for more than {$400.00} a month for payments when they misplaced my paper work and ignored all of my emails.
Consumer complaint received 2017-02-20
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)

MY STUDENT LOAN IS BEING REPORTED AS 120 DAYS LATE IN 2014. I WAS IN SCHOOL DURING THAT TIME AND GRANTED AN INSCHOOL DEFERRMENT. NAVIENT HAS SENT THIS INFORMATION TO ME STATING THEY REMOVED THE NEGATIVE REPORTING. HOWEVER THIS NEGATIVE REPORTING IS STILL ON MY CREDIT REPORT WITH ALL XXXX BUREAS. I HAVE ASKED NAVIENT TO REMOVE THIS SEVERAL TIMES BUT MY REQUESTS ARE FALLING ON DEAF EARS.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Home Point Financial Corporation (MD)

I purchased a home and went to closing on XXXX XXXX, 2016 with Home Point Financial Corporation based out of XXXX, NJ. Communications, processes and overall professionalism have suffered from that point on. My insurance payment, that was collected at closing, was sent to an unknown address, with no policy number associated with it. In turn, my insurance payment was never processed and my home insurance policy was cancelled. Home Point determined it was my responsibility to track down the missing insurance check and have it applied to the correct account. After speaking with several insurance agents and several weeks later, I was able to resolve the issue ; Home Point offered no assistance in this process. I have recently received a correspondence that states : I now owe upwards of {$3500.00} for escrow shortage or padding of the escrow account ( they ca n't explain which XXXX ) ; this would increase my monthly payment by over $ XXXX month. These are not the terms agreed upon, nor is this an industry standard. It appears that this office has yet again not done it 's due diligence in correctly acquiring tax information or providing the buyer with the correct financial terms. Had I been given an accurate financial picture I could have made an informed decision based on the presented terms or gone with a different mortgage provider. I was not given the correct terms, the office personnel, which failed on my behalf are now attempting to leave me holding their mistake. I have only been in the home for 6 months, I have made every payment on time. I can not afford the terms they are trying to lock me into at this point. I understand escrows fluctuate, but what they are doing is unacceptable. They are not providing me substantial evidence on this wild variance in escrow figures/difference. I have not been treated fairly or with respect. I am not sure how many other customers have been treated this poorly and mislead on the terms of their mortgage. It would appear these practices are out right illegal, hence my complaint.
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I purchased {$57.00} worth of garden dirt at Home Depot with my store credit card in XXXX. I never recieved the bill, they sent it to my husbands email account instead, ( why I dont know ). He not thinking it was junk mail deleted it. I receive a call from citibank saying I am XXXX months behind and have late fees. I was able to get them to waive XXXX month but not the other. I paid for the garden dirt over the phone with the operator but they said they reported me to the credit bureaus. I received the bill yesterday it is {$66.00} all interest and late fees including late fees on late fees. I probably will shred all of my Citibank cards now.
Consumer complaint received 2015-07-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I received a Reward Debit card for purchasing XXXX tires for my car. It is a VISA Card issued through Citi. I left it in the envelope for a period of time and when I called to activate the card and was informed that it had expired and that it had a 6 month use it or loose it date. I purchased the tires in XXXX and the card expired XXXX. I did some research on a couple of websites including Wisconsin XXXX XXXX and found the information that states : " Cards given as a reward or as part of a promotion for making a purchase can expire in XXXX year. The expiration date must be clearly disclosed on the card ''. I called Citi back and talked to supervisor XXXX agent number XXXX and talked to him about my findings on the website and he informed me to go ahead and file a complaint if that 's what i wanted to do, and that Citi 's policy is no re-issues are given. I also talked to him about the XXXX XXXX XXXX web page that had a complaint from this past XXXX against Citi for a similar problem and everything that he said to me is the same as what was told to that consumer as well. XXXX said again go ahead and file the complaint if that was my choice but they would not be making any payment to me so that is what i am doing. I am probably not the only one that has had this happen and would really like to see this practice ended.
Consumer complaint received 2016-02-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust allowed a debt collector to garnish my wages, even though my wages are from XXXX ( social security ). I informed the creditor, XXXX, that I was very ill and on XXXX. I lost my job because of my health, yet had been consistently paying the creditor, XXXX before I lost my job. I called XXXX XXXX XXXX ( creditor ) informing that I lost my job and was applying for XXXX. They refused to work with me. Suntrust never sent me a letter warning me of garnishment or to confirm my source of income ( which is an ETF deposit monthly from Social Security ). Suntrust allowed both my savings and checking to be put on hold and charge enormous fees for " holding '', overdraft, and a garnishment fee. They also admitted the creditor, XXXX could see my account and explain what charges were pending. How is this possible? The bank was negligent for not confirming that my income was from XXXX or prevent the collection agency from garnishing my account or if the garnishment was legal, ensuring that the limitations on amounts by law were legal ( they charged both my savings and checking accounts the garnishmen ( so XXXX charges for XXXX garnmishment ) than placed the accounts on hold ). I never received XXXX notice giving me the opportunity to show my income was from XXXX.
Consumer complaint received 2015-10-30
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Bottom line is this has been the worst brokerage and banking relationship I have ever experienced. Considering I have always attempted to try to build a solid relationship with any company I deal with, in this case, being with Scottrade, especially in the end, it was highly disruptive to my life financially. 

A day ago, this company closed my account without warning, claiming I was using my account for business purchases and that it was company policy to do so. Sure, there was much activity in my account. But who 's to say I was making these purchases for personal reasons?! And further, who the heck tells me how to spend my money?! I work XXXX hard for the money that I both earn and trade, and it carries heavy weight in my everyday life. So when Scottrade XXXX my account with an over {$60000.00} balance, it created a strong hindrance from that point on. 

Bill payments had to be delayed, and simple everyday operations had to be placed on hold. Never in my life had I receive such low disregard and terrible treatment for a loyal customer. And to further the disgust of company operations, when I wanted to speak with a supervisor about all of this, I was transferred to my local branch instead and had to deal with a middle associate. 

I would love to point out that there were n't any illegal transactions made, no negative balances occurred, or no tainted or disrespectful conversation or acknowledgment toward staff. I honestly ca n't think of anything I did to deserve this type of treatment. I only made purchases and completed needed transactions when I needed to. I only used a bank account in a way that a bank account was used for. Overall, this company should be much better than it is. And I would n't return within its ranks, even if it paid me $ XXXX to do so.
Consumer complaint received 2016-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My wife and are both in repayment for our student loans. I am having problems with my loan servicer. My loan servicer is Navient. I have been trying to pay extra toward the balance of my loans, but I have had a problem getting Navient to apply these extra payments correctly. I would like these extra payments applied to the principle of the loan and not the interest, just like how my wife does with her loan servicer when she makes an extra payment. Navient claims that there is no way that this can be done. It is frustrating that I know it can, and I do in fact apply extra payments in this way with another loan servicer. I have contact Navient on several occasions to try and resolve this issue, however no resolution has been made.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

My student loans from XXXX/navient gave me interest rates I would never be able to pay back unless I got an incredibly well paying job while also paying for other loans and living expenses. On several occasions they have conviently lost my payment information and wait to inform me a month later on collection instead of informing me before incurring monsterour late fees. 
They 've also made me do forebearance already so now I am stuck if I can not make payments in the future for other reasons. When I did file for income based repayments they never sent me documentation so I know the terms and how long I have for the income based program.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (MA)

I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX
Consumer complaint received 2016-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I have a very general complaint to make about my private loan lender Navient. For the past 16 months, I have been responsibly making {$450.00} in payments every month for my private student loans for a total of {$7200.00} in the aforementioned months. Because of high interest rates ranging from 8.25 % to 12.5 %, only {$2200.00} of my paid {$7200.00} have made a dent on my grand total which is nearly {$50000.00}. I completely understand that I have signed contracts which stated that my interest rates would be within these high margins and variable and therefore, I have really done my best to take responsibility for my student loan repayment. However, I took out these loans when I was XXXX years old because my parents were experiencing economic hardships and their credit scores at that time did not qualify them to take out parent plus loans to help supplement my tuition. At that time and age, I barely understood what I was getting myself into ( with the future job outlook not to mention what compounded daily interest would really look like ). I am really trying to do my due diligence but for the past several years, I have developed health conditions because I am constantly struggling financially despite having a decent paying job to the point that I could not even purchase a health insurance plan through the Affordable Healthcare act ( which does not consider private loans when it totals each individual 's payment contribution ). I am simply looking for any kind of student advocacy group that could shed some insight, advice or hope as I am really struggling with what I truly believe to be a system that is immoral, and would be perhaps even engaged in what could be considered criminal practices if not for the vast amount of political lobbying power that it possesses.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (VA)

I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that CBE made a change to my credit report on or about XX/XX/XXXX. The debt in a previous complaint to CBE Group by Consumer was indicated to be a XXXX XXXX account. I do not owe XXXX XXXX any further payments and do not know this account was sent to collections, however XXXX alerted the consumer that in order for this to be applied to my credit report someone had to use my social security number. 
Attached is the retrievable payment ( s ) that are verifiable through the consumer bank statement. The payment history is not a full disclosure of payments made over the life of the account but is verification that the account was paid and perhaps overpaid as the current total charges on the closing bill was {$61.00} and I paid {$83.00} on XX/XX/XXXX and another {$83.00} on XX/XX/XXXX for a total of XXXX. The payment verifiable as being made prior to that was {$300.00} on XX/XX/XXXX. This account is one that may have been compromised due to a housing matter already reported to the CFPB occurring on or before XX/XX/XXXX. 

Attached as follow are : -Account Overview ( Acct Number XXXX ) indicating the Total Amount Due for XX/XX/XXXX was {$400.00}. Last Payment Received on XX/XX/XXXX was {$83.00}. Current Charges Billed on XX/XX/XXXX was {$0.00}. 
-XXXX, XXXX bank statement indicating XXXX was paid {$450.00} on XX/XX/XXXX and {$180.00} on XX/XX/XXXX -A XXXX bank statement indicating the XXXX Power account was paid on XXXX and Charged XXXX XXXX, XXXX in the amount of {$300.00}. 
-A XXXX bank statement indicating XXXX Power account was paid on XX/XX/XXXX in the amount of {$83.00} and on XX/XX/XXXX in the amount of {$83.00} with a deposit of {$160.00} on XX/XX/XXXX. 
-A XXXX bank statement indicating there was an ATM withdrawal in the amount of {$80.00} from XXXX XXXX XXXX and that withdrawal was placed in the XXXX XXXX bank account. 

Again, this account was not believed to be behind but likely overpaid. I will forward documents to the source of this alert as well.