davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

For the last year I have been paying Navient {$58.00} monthly. All of a sudden on XXXX XXXX 2016 Navient withdrew {$1600.00} from my account leaving me - {$320.00}. They claimed to have emailed me telling me to renew my payment plan or I would automatically be put on a 10 year repayment plan at {$1600.00} a month. 

When I asked what email address they had on-file they answered with my out-of-date student email address. On two separate occasions, I asked my email address be updated. It never was. 

I am now completely broke, incapable of feeding myself and incapable of paying for my XXXX to get to work and come home. I have been told my claim is expedited and I will be reimbursed in " at least '' one week, most likely two weeks. 

That means I am incapable of feeding myself and getting to work for 1-2 weeks. I make {$740.00} every pay period. That means my next paycheck will go, mostly, to bringing my account up from - {$320.00}. 

This is unacceptable. Navient is a major monolith of a company. The company would be just fine if I died today and never paid them again. I -- we individual citizens, however, directly suffer from Navient 's carelessness. 

I have bills and other loans that need to be payed. I am terrified by the thought of how this issue will negatively impact other financial responsibilities of mine. 

I live on a tight budget and I barely make things work. Navient has completely crippled me for the next 1-2 weeks. I, quite literally, am not sure how I will " make ends meet '' until Navient pays me back. And I do not know when I will be paid back.
Consumer complaint received 2017-01-18
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (FL)

On XX/XX/2017 a transaction was processed from my prepaid account in the amount of {$100.00} from XXXX. First and foremost XXXX should not have debited the account because I cancelled the scheduled payment however they were able to process the payment on a card that a fraud agent with Net Spend told me would be deactivated. Since I have contacted Net Spend several times to have the money put back in my account because it does not take a rocket scientist to see that with notes a fraud agent with their company told me the card would be deactivated and it was not. Therefore there should not be any question about the transaction because Net Spend 's risk management department informed me that once I activated my new card my old would be deactivated and no charges from that old card should take place. Taking 10 to 45 days to clear a dispute which was clearly their fault in not deactivating the card as I was told caused this transaction to go through.
Consumer complaint received 2015-12-22
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Neon Newco Corporation (MI)

I went to a XXXX XXXX store o purchase a prepaid netspend card to pay abill over the phone. When I trie to activate the the person on the stated she could not activate card do to a block. I ask her how could that be this is a prepaid card, I paid XXXX XXXX money to put on the card. She sayed it wasn, t anything she could do. Go back to XXXX XXXX to get a refund. I went back to the XXXX XXXX to get a refund the clerk stated that netspend had put a block on the prepaid card so I could, nt received refund. I call netspend back sh he stated she would release a check on XXXX/XXXX/2015 to waite 5 to 10 days. I d not received check in 5 days, so I call netspend back the person that answer phone stated she did not she wear it was a check mail to me. she stated she would issue the check the next day. To wait 3 to 5 day. It is XX/XX/XXXX2015. I still have not receive my owe money I paid to be put on this card. Everybody at netspend have been telling me a big lie every since XXXX/XXXX/2015.
Consumer complaint received 2016-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

I signed up for direct debit, have e-mails saying it was set up for XXXX to be paid ( the due date ). Come XXXX it had not been withdrawn from my account. Worried I called My Fed Loan and they said sometimes it takes a couple of days to withdraw the amount, so I waited two more days, contacted them and they said it WAS PAID, but nothing came out of my account! I figured maybe it was in the process of transferring or something? Eight days later and they 're sending me notices for not paying. 
That is absolutely ridiculous ; there is no reason in this day and age when student loan users are grossly abused that the provider ca n't have a decent system set up SO I CAN PAY THEM THE MONEY.
Consumer complaint received 2016-12-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (UT)

I have been trying to get a XXXX plan with my servicer but they keep denying me for documentation or not responding. Help, I changed jobs and took a drastic decrease in income and cant afford to pay the payments and need the plan changed without getting a run around.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

I enrolled in the Public Service Loan Forgiveness program because I only work for non-profits. FedLoan Servicing has given me the runaround since XXXX. I have sent in the forms, which they claimed they never received, sent them again and again via fax, yet I can not get the customer service reps to accurately record my employment with the non-profits correctly. By them not recording the information correctly, they always say I am not enrolled or they have no information regarding the agency. I have been with the XXXX FL XXXX ( the 2nd time ) since XXXX. Today they recorded it as XX/XX/XXXX. Prior to that I was employed with a XXXX organization in XXXX - no credit for employment there. FedLoan Servicing has done everything possible to incorrectly show accurate employment information to make sure I dont get credited appropriately. They do n't even credit my overpayments correctly.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TN)

In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.
Consumer complaint received 2015-08-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

I received my refund, a check for XXXX dollars from my school ( XXXX ) that I placed into my bank account with Suntrust on Thursday. It was available on Friday and i took out {$2100.00} to pay up my rent, immediately after that it was {$4000.00} hold on my account and no one has been able to tell me why. I have a very severe need for my money now. I have bills that have went past due, due to the holds on my account, I had to cancel a business trip for this weekend and I am unable to pay for my child day care. Suntrust is telling me there is nothing they can do and i have to wait until XXXX/XXXX/16 because my account is under '' review '' and they will not tell me why its in review. That would be one full week without having any money and no one being able to tell me why.
Consumer complaint received 2016-03-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TX)

We got a new mortgage payment from Suntrust Mortgage. They are increasing our monthly payment from {$1400.00} to {$1800.00}. We have revised the information ( see attachment ) and all numbers are the same for the new monthly payment except the property taxes. We went to XXXX county and they increased our taxes by {$98.00} per monthy but Suntrust Mortgage is increasign our montlhy payment by {$390.00}. We do n't have budget to pay this new mortgage payment.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NY)

PAYPAL HAS A PROBLEM ISSUING PROVISIONAL CREDIT IN ACCORDANCE WITH UCC ( Uniform Commercial Code ) : XXXX XXXX XXXX disputed two ATM TRANSACTIONS for the same bank ATM one I was given the provisional credit ( XXXX XXXX and the other NOT. When I tried to dispute it as you will see it was marked CASE CLOSED ( XXXX XXXX new card is ON THE WAY. I am attaching a video link so this way you can see exactly what happened with disallowed transaction ( XXXX XXXX XXXX Inaddition I tried as I have been able to upload videos to your system in the past but today I was unsuccessful for some strange reason? 

Here is a link from our private server of exactly what happened so you can see from the customers perspective how this looks : - ) https : XXXX
Consumer complaint received 2016-10-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (PA)

I was not living with my parents at the time. They made my mother XXXX she is from XXXX, a citizen of the XXXX but still an XXXX, she didnt know what she was signing. I needed the money to pay the University XXXX XXXX. I tried to settle multiple times or ask or payment relief, reduction of interest rate. The interest rate is 10 %, once in deferment this loan has now grown to a {$38000.00} balance - initially taking out XXXX. THe only thing I was offered was a quarter percent XXXX .25 % XXXX rate reduction for setting up direct withdrawal. I can not afford the monthly payment yet they will not do anything to help. Ideally I want to refinance this and pay less montly but also at a lower interest rate. At this rate I will never pay off this loan. I should n't be crucified or bullied into high interests because I wanted to get a college degree. It is a shame and I feel it is " PREDATORY LEDING '' to the XXXX degree. The financial crisis allowed the XXXX industry to get out of their high interest and bad debt - these banks that lend to students target people who need the money to pay for education. What is wrong with this picture? I THINK A LOT!! How can we do this to the next generation of people trying to make something of themselves?? Putting them in an unrealistic financial situation with ABSURD interest rates and will not budge to settle the amounts or give a break on a XXXX interest rate.. PLEASE HELP!!!
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (FL)

THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT.
Consumer complaint received 2016-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: IQOR US INC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Consumer complaint received 2021-11-25
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. (TX)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Experian and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2016, I applied and was approved for ( at a later date ) a Chase XXXX MileagePlus Explorer credit card. The terms of this offer included XXXX XXXX miles for spending {$2000.00} within the first 3 months of account opening. On XXXX XXXX, I noticed through a Chase portal that I was actually targeted for an offer that included XXXX miles for spending {$3000.00} within the first three months of account opening. That same day, I sent Chase a secure message requesting, as a courtesy, that they match they match me to the better offer that I was also targeted for. On XXXX XXXX, I received a response, including the following text : " We are happy to match the new bonus offer. Please reply to this email when you have spent {$3000.00} in the first three months your account is open so we can manually add the additional XXXX bonus miles to your account. '' Note that they required that I spend {$3000.00} to receive the extra XXXX miles, {$1000.00} more than my original offer required. 

On XXXX XXXX, I messaged Chase that I had fulfilled the extra {$1000.00} that they required to earn an extra XXXX XXXX miles. I received a response including the following : " Please accept our apology for the incorrect information you received in our previous response to you dated XXXX XXXX, 2016. 

Since you have opened an XXXX card with different terms and conditions prior to receiving the XXXX mile bonus offer, we regret that we are unable to match that offer to your current account. '' After several messages back and forth, Chase Bank refused to honor their offer of XXXX XXXX miles, the terms of which I had already fulfilled. My position is that it is unacceptable to impose additional requirements on a consumer for an additional benefit, and then refuse to provide that benefit when the consumer fulfills the requirements of the offer.
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

My mortgage was sold by XXXX to Chase as of XXXX XXXX, 2015. With XXXX and original mortgage company, XXXX, I paid my mortgage biweekly. It was due to this free biweekly payment option and the mortgage rate that I signed up with XXXX originally. 
When XXXX sold my mortgage to XXXX, all the conditions of my mortgage stayed the same, including biweekly payment. With biweekly payment, I pay less in interest over the life of the loan and the loan is paid off sooner without any extra financial burden. 
Chase does not have the biweekly payment as an option! I called Chase, stated that this change of mortgage payment results in financial loss to me, and asked them to either compensate me, provide the service, or sell my mortgage to a company that can keep all the loan conditions as it was with XXXX. 
Chase responded that I have to accept their conditions! 
This is outrageous! I want to challenge the legality of Chase action. 

Please help me with this issue.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My complaint is that I contacted Chase Mortgage in XXXX XXXX requesting that my property taxes be paid from my escrow account which had sufficient funds to cover these costs as the escrow account was setup with my Chase Mortgage broker when I acquired my mortgage through Chase. I was told that the property taxes would be paid from my escrow account by Chase. This payment did not occur and a late penalty was charged to me. I contacted Chase about this in XXXX XXXX and then they said that they do not pay XXXX XXXX County property taxes even though they had set these funds aside for me in my escrow account they manage. After several phone calls and the fax I sent to Chase dated XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX saying that they paid the taxes. I authorized them to pay the taxes with the understanding that Chase would pay the penalty fee since the lateness was due to their stating that they would pay the taxes from my account and they did not pay them. They deducted the late fee from my account.What really irks me is the consumer deception on Chase 's part. I received the letter dated XXXX/XXXX/XXXX from Chase saying that they have now made a " courtesy payment '' and paid the taxes. It took me some time to figure out that they withdrew from my account the taxes I authorized them to pay but that they also took from my account the penalty that I did not authorize them to pay from my account. The letter hid this information from me with what I believe an attempt to deceive me as a consumer.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. ()

From XXXX to XXXX XXXX XXXX moms death ... Chase has failed to honour moms Pleas to help her get her hard earned ssa.money..presently Jpm Chase bank is now flat lining my queries standing and maintaining a wall of silence..all their documentary requests have been fulfilled namely my XXXX passport ... moms death certificate From the XXXX..she s a us citizen ... .I sent my birth certificate..Chase request for disposition of funds notarised by a us embassy and finally a statement from us social security which apallingly they continue to ignore and the fact that sea XXXX. ..where i reside gave me XXXX XXXX XXXX statement and Chase continues to ignore XXXX after 3 yrs is criminal I hope justice is served and chase releases where my inheritance of approx XXXX us dollars that 's XXXX monthly XXXX months XXXX hidden XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NY)

I have a XXXX mortgage with XXXX and a Home Equity Loan with Citibank. 
XXXX is in the process of refinancing my mortgage ( on a Cash Out basis ) and was informed by Citibank that Citibank changed its policy in XXXX 2015 and will no longer process subordination requests for cash out mortgage re-financing. This is surprising as it changes the terms of my Home Equity Loan unilaterally on Citibank 's part. Citibank was adamant that they can do as they please and they refused to accommodate any request for flexibility.