davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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: WELLS FARGO & COMPANY (GA)

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with Wells Fargo. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I have been affected by the Corona Virus, and can not pay my mortgage. I would like for my payments to be deferred. My mortgage company is telling me that I would have to pay all of the passed due payments at once. Why cant the payments be pushed to the back of the loan?
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (TX)

I had a credit line of {$18000.00} on my Discover card. I had a balance of about {$10000.00} that I was making payments monthly on. In XXXX of 2014 my daughter was admitted into the hospital with a very rare XXXX that almost took her life away. We spent 28 days at the hospital where we used the card to take care of our expenses while we spent those days together in pain and suffering at the hospital. Somehow Discover allowed us to go past the maximum spending limit to a total of {$28000.00}. They never stopped the card from charging and let me go far over my limit. 
Naturally, I was going through very desperate times and had no choice. 
We 've been paying above the minimum payment every month an average of {$500.00} with a lot of sacrifice. I 've had this account for the past 20 years and I 've never missed a payment until now. I used to like Discover, they always did a good job for me and me for them. However, Discover not only increased my interest rate to usurious amount on the new high balance which I had full intention of paying but they also increased my minimum payment to {$750.00} a month making the payment no longer possible for me to pay. I called the company and spoke with so many representatives which did nothing more than to transfer me around to people who acted like they were managers. Ultimately nothing was done to help me reduce the interest or the minimum payment. My daughter remains ill today XXXX and has never been able to return to school. I am an everyday American with middle class income that has been taken advantage of by the predatory practices of a big bank. What 's worse ; is all along I thought I was a valued customer with a good credit card relationship. My daughter 's medical expenses are very costly and have to come first. Clearly the new interest rate coupled with the new minimum payment Discover will be driving me to bankruptcy and delinquency with no concern or humanity. I cringe knowing that these atrocities continue to happen to American people by predatory lending practices engineered by these filthy rich banks.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

We had a parents loan and payed it off in XXXX 2016. I forgot to put the account # on the check but it was cashed by Navient. It was never a credited to our account. We are being harassed by " Student Assistance Corporation '' with phone calls and emails. We have called Navient numerous times and they pretend this is all news to them and then I ask for a manager and ask them to check the notes on the file and they agree we have called numerous times and they will fix the situation. One month later the phone calls start again and when I call they never " recognize '' the name of the person who promised to fix the situation. Amazingly they do n't know what we mean when we tell them we have a " cancelled check '' for the exact amount.The phone calls are relentless and frustrating because we have paid this in full back in XXXX and we do n't want to be penalized on our credit rating. I have asked for the name/department to appeal this issue and they tell me there is no way to file a complaint. How is that possible? Why were they ever given this contract? We signed the loan with the department of Education.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TMX Finance LLC (GA)

PRESENTMENT OF CORPORATE VIOLATION : MANAGER ON SITE : XXXX : TITLEMAX PHONE : XXXX LOCATION : XXXX XXXX, GEORGIA XXXX GOVERNMENT ACTION/ AFFIDAVIT OF TRUTH MEMORANDUM OF UNDERSTANDING XX/XX/XXXX-XXXX Presented consumers with misleading information about loan terms : XXXX employees asked consumers how much they wanted to pay each month or how long they wanted to take to pay off the XXXX loan. The guide and sales pitch distracted consumers from the fact that repeatedly renewing the loan, as encouraged by XXXX XXXX employees, would dramatically increase the loan 's cost. The guide does not calculate fees or the total cost to consumers of repeatedly renewing the loan instead of repaying it in XXXX days. This makes it difficult, if not impossible, for a consumer to compare costs for renewing the loan over a given period, Here 's the actual government case and the parts to reference what they are in violation of : http : XXXX In violation of sections : XI : Recordkeeping /number XXXX a and b XXXX : number XXXX VI : Compliance Plan/ number XXXX a, b, and c V : Conduct Provisions/ d and XXXX XXXX and XXXX XXXX through XXXX Sales pitch and repayment plan. 

Today, XX/XX/XXXX I, XXXX XXXX XXXX had my property reposessed after the government action had been served in which they were found GUILTY of deceptive sales and business practices. I was deceived into a renewal plan unknowingly where the repayment interest would have been significantly higher. If I would have known that there would have been an interest increase, I would have never initiated a loan with them to begin with. I would have gone to another loan company .... Their records and the initial and renewal contracts will show that they proceeded after this government action in a repossession based on a failure to pay " monthly '' payments which had been deemed illegal. They are making me consent to an illegal procedure of a contract through deception and omission of fees associated with the transaction. A company can not withhold this information with the consumer. XXXX XXXX, the mangager on site at the Titlemax on XXXX XXXX. XXXX in XXXX, Georgia had confirmed that he received the notice which in turn is an admission of proceeding in an illegal action when he repossessed my car in the driveway of my father 's property in accordance with an illegally deceptive renewal contract in which I had defaulted. The default is void when the counterparty operates in illegal procedure. I would not proceed illegally in accordance with them to pay them, so they illegally have stolen my property while ignoring a government action. I am slighted by the outlandish disobservance of a government ruling and wish to pursuit this to it 's fullest extent. 

In American Honor and XXXX, XXXX XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I was misinformed by what a forbearance was. I was told that if I wear to do this that I would not have to pay anything and that I would not have any interest placed on my account while I was in forbearance. They asked if had received any government help and if I did to send them a copy of whatever assistance I get that they could wave certain fees and keep my loan amount at what it was. I sent all the information they needed. When I called back to verify that they have received all the information one agent told me that they did receive it and it was processing. A week later I received an email saying that interest on my billing was still accurring and that I needed to pay something. So, I called back and was told that Everything that I had spoken to the previous agents were not true and whether I was in school or not that the interest will remain and it will continue to grow no matter what and no one has control over the interest. So, life happened and I had to stop going to school. I then tried to enroll again and was told I needed to pay at least 5 dollars a month before I could get into good standards with the loan through Navient again. I did that. I was told as long as I was enrolled in school I could pay at my leisure on my student loans because I went through the program to get back on track. I was never told that interest would still be rolling and that I had to pay each month or a particular amount each month. I was told that charges would start after 1 year of graduation or one year after I stopped that has yet to happen charges are still ongoing.
Consumer complaint received 2017-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MD)

I called this morning XX/XX/2017 to get them to validate the debt they say I owe to them but I have never had an att account they put it back on my credit once again after it was removed already once before
Consumer complaint received 2021-12-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I had originally CFPB complaint # XXXX for Kia Motors not providing the correct Bill of Sale and Title after we purchased the vehicle. Kia omitted the sales tax we paid. Vehicle was originally a lease and we paid off balance in XX/XX/2021. 

Kia finally provided the updated and correct Bill of Sale after the CFPB complaint. I have sent the signed Bill of Sale XXXX times to Kia Motors and they have not provided me the corrected title ( including the sales tax I paid ). I had mailed a copy of the signed Bill of Sale on XXXX. I also faxed a copies on XXXX and XXXX as evidenced by the fax transmittals. 

I have requested a phone call from Kia to explain to me why there is such a delay. I have made numerous phone calls to the call center and their is no resolution or satisfactory action. It has been almost XXXX  months from when the vehicle has been purchased. The car 's registration expired in XXXX and we have been unable to drive it since. Kia has not made any attempts in contacting me to explain. The latest mail postmarked XXXX ( but Kia letter dated XXXX ) provided the Bill of Sale. I have sent the requested signed Bill of Sale multiple times. A copy is included in the attached fax dated XXXX.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AL)

I disputed some transactions that were on my account and this dispute wasnt resolved it was not even explained why it wasnt resolved and went through a lot of trouble and then after they proceeded not to fix that and gave me lots of grief Ive spent probably 20+ hours on hold for this issue well I noticed that after my last call with them on the XXXX I wasnt able to view my statements any longer this went on for almost a month and I contacted them twice got hung up on and what not well then my statements came back upon available and they are not the same as my original statements their refunds that should have been refunded and what not
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

In XXXX 2016 I started to receive a service fee of {$7.00} for a Quicken ( software ) service that I do not use on my BBT Personal Checking Account. I have used XXXX on my computer for about XXXX yrs and have never been charged a fee from any bank. I email BB & T and told them I do not use and do not want this service and to cancel it and credit my account. At that time they did give me a credit. This continued to go on throughout the year. Towards the end of the year, XXXX did n't even connect anymore to BB & T and I had to Manually download transactions and yet I still was getting charged a {$7.00} which I had to ask for a credit. I emailed and called many times about this issue and repeatedly expressed that I do NOT want this service and if it continued I would close my account and take my business elsewhere. Well it did not stop I changed banks and was waiting for one check to clear to bring the account to a {$0.00} balance. On the day the check cleared, another charge for {$7.00} for this service I repeatedly told them I did n't want was put on my account as well as a {$36.00} NSF charge. I immediately called the XXXX number and told them about this. She told me should open a ticket and research the matter and I would hear back or receive the credit and that SHE could n't give me the credit. I told her I wanted the account closed but now it had a negative balance. I called back a week later to follow up since I had n't heard anything or seen the credit on my account - this person again told me they would open a ticket and she was at least able to refund the {$36.00} NSF charge - she also told me she sees the account as closed. I also called a local branch near my job to see if they could help close this account and he told me that the account was showing as closed and the only he could do was make sure no more debits came through the account ( which did n't happen ) as I now started to get charged a monthly maintenance fee of {$12.00} and another {$36.00} NSF fee - who keeps charging a " closed '' account??? I call again ( about 10 times ) and The bank then proceeds to tell me since I 've already received a credit within 24 months they ca n't credit me. And some of the reps were not very nice or helpful, in fact they were downright rude and one even hung up on me! Who does that to a customer?? Now we 're getting letters that it 's going to a collection agency. This is absolutely absurd. NO ONE AT THIS BANK would assist to credit my account the money that I should never have been charged in the first place. Please HELP. 
BB & T needs to credit my checking account {$67.00} for their own fees that they charged on my account including service fees for a service I NEVER USED.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I am not 100 % sure if I have submitted this before. I read of action you are taking against XXXX, part of Sallie Mae, which prompted me to send this in. I missed out on 6 years of potentially PSLF eligible payments thanks to their ignorance or deception - whatever it was. I have always been a pretty savvy and inquisitive consumer, so I look to learn all I can and make informed decisions - which Sallie Mae never made easy. 

I was on a 25 year repayment plan starting in XXXX to keep my payments manageable. They said my payments may go up if I went for IBR, but then never gave any guidance on how to learn what the new payment would be based upon my income so I could know if it was a wise decision or not. I checked with them about once a year to see if any new programs that would help me existed, but it felt like they wanted me to either stay on my plan, or move to the 10 year standard repayment. Information about any other plan always seemed to be presented in a discouraging way. For example, when I asked about IBR, their guidance was just to move to the new plan, and they would tell me what my new payment would be when they figured it out. I could n't afford to gamble on my payments going up too much above where they were, so I did n't. Turns out years later and with a much higher income on PSLF, my payments are STILL lower than they were on my 25 year payment plan! My suspicion is that if Sallie Mae 's records of my payments from XXXX till I consolidated with Direct Loans in XXXX and compared them to my tax returns, many if not all of my payments would have been PSLF qualifying. 

Sallie Mae never mentioned that with IBR there was a cap on number of payments ( 20-25 years ) then any balance left was forgiven - they made it sound as if you had to keep paying till there was a XXXX balance - or perpetually forever in many cases. Since my monthly balance is higher each month thanks to the lovely miracle of compound interest, my spouse and I are counting on future PSLF forgiveness for the sake of our potential to weather old age as a childless couple. ( We do n't have kids because we ca n't afford to, nor do we own a home where we reside because the market here is too expensive. ) Sallie Mae also said for PSLF you had to refinance to Direct Loans ( XXXX - XXXX services my loans now ). I was also aware that my interest rate would go up up I refinanced, so I was reluctant to do so without good reliable information - which they were not good about supplying. 

Does this action go against Sallie Mae, or just XXXX division? 

Please share this as appropriate. I would love to have my story help someone else avoid these pitfalls! Thank you for what you do for consumers - you are truly and deeply appreciated!
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (WA)

I lost my job early last year XX/XX/2016 because I was in and out of the hospital because of XXXX, getting XXXX, and battling my XXXX. I called Navient because I had troubles making payments. The Representative told me he put my account in a non collectible status and to call back when I could make payments. Never once did I receive a letter, but month 3 of not making payments I got a call saying that my account was in collections. My credit score took a very bad hit. I told the manager on the phone that I want a record of the first call and she said I had to get a subpoena. I want that collection to be removed from my credit score because I was following their instructions.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (CT)

I ordered wine on my Chase Visa on " futures '' that was supposed to be delivered in 2-3 years. It turns our the vendor was engaged in a pyramid scheme which was discovered and they declared bankruptcy. I went to Chase to have the fraudulent charges reimbursed. They agreed to reimburse the charges made within XXXX days, but claim that Federal Banking Rules prevent them from reimbursing the charges past 536 days. I asked for clarification of what rules have been issued by the Fed that would prevent them from making good on this fraud, and they refused to provide any detail. I asked to speak to a supervisor ( named XXXX XXXX ) in the dispute resolution department to gain understanding of what federal statute would prevent Chase from reimbursement and was denied opportunity to speak with him. I asked for email address so I might contact him and was told that I could not have that either. And there does not appear to be any way on the Chase site to reach this person. If there is a Federal law or rule which prevents them from making good on this fraud, than I understand. But, I a skeptical that such a law or rule exists and their lack of willingness to provide clarity seems to support this view. The amount under dispute here is approximately {$16000.00}. Any help you can provide is very much appreciated.
Consumer complaint received 2017-02-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, XXXX, FL XXXX Phone : XXXX Fax Numbers : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ERC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX