davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NJ)

I have been paying my student loans on time always for years and one of my loans has gone down {$10.00}. I was never offered any assistance with how to manage loans or income dependent payments. I was also wrongfully listed as in forbearance against my will. I called in asking how to lower my interest rate and the representative said to have it reviewed I can not be current in my payments and she stopped my auto debit which I have had in check for 8 years now. I received notification that my loans were in forbearance and called immediately and no one was able to help. Finally one department said they needed to deposit {$1.00} to deactivate my auto debit. It was an awful experience and I was promised everything was resolved and I was never in forbearance. Fast forward a few months I call to release my brother a cosignor and was told I could not because of the forbearance listed on my account. I explained the situation and no one has any notes of anything. I would love for any phone calls to be reviewed to see the error that was made as they imposed this forbearance on my account that was never requested. I have been paying as much as possible since 2009 and the loans do not move. The interest I pay is through the roof and I receive practically nothing back at income taxes because I am XXXX and have no deductions to claim. Anytime I ask for assistance from Navient they have no options available.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

Equifax, Experian and TransUnion, FHA XXXX XXXX, XXXX : XXXX. 
CFPB XXXX .this is just XXXX of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the XXXX party collection 's calling over XXXX time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night XXXX. Equifax, Experian and TransUnion still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was homeless and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with loan depo. right, THIS HAS ALSO AFFECTED MY WIFE XXXX XXXX " " "
Consumer complaint received 2016-07-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NY)

Back in XXXX of 2016 we went overseas. Not realizing we needed to let PAYPAL know. We run an EBAY business. A very active EBAY business. We we came back we were ask to provide information or they would shut down our account. We have given them all the information they have requested and in the requested time frame. THEY STILL PUT A HOLD ON MY FUNDS. Since i still need to run my ebay business to pay my bills they are currently hold {$25000.00}. YES {$25000.00}. I can not pay my loan, ebay fees or even my shipping fees. PLEASE HELP!!!
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

I questioned this debt when I saw it on my credit reports. IC System sent me the attached letter saying they have n't had sufficient time to investigate. As it has been over 30 days since I questioned the credit bureaus, this is an illegal response
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (TN)

Apparently Paypal issued me a credit card at some point ... I honestly have no idea if I applied for it or not. In XXXX I made a transaction for the amount of XXXX via Paypal as I always do and expected the money to be withdrawn from my bank account as it always for over 10 years. For reasons beyond my understanding this particular transaction went on the credit account unbeknownst to me. Late fees and charges totaling over {$60.00} were assessed in XXXX and XXXX of 2016. Paypal was sending me emails but since I had never used Paypal Credit before I had no whitelisted that email address and those were going into my Spam folder so I never saw any of them. Today I got a call finally from them and had no idea what the lady was talking about. She said I had to pay the full amount, which I did, but I argued I had never received actual notification and that a letter or a call earlier would have avoided me having been assessed the late fees. I feel like the delay in contacting me served only to benefit Paypal and I think their policy and procedure regarding cases like this should be changed as it is predatory.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NH)

I am cosigner for my mother 's Navient private school loans. My mother has been trying to work with Navient to pay her loans in a way she can afford, but they only want to work with me at this point because they know I have a decent income and they say I am " equally responsible ''. I have been talking with Navient for about 10 months now and have not been able to work out our issues. I am hoping you will be able to help me. 

My major issue is that Navient has my name on XXXX separate private loans that they claim I cosigned for, yet XXXX of the promissory notes does not have my signature on it ( loan is for {$7000.00}, but final charge was {$7200.00} as seen in the paperwork ). The other XXXX loans DO have my signature and I understand that I am responsible for them, but I will not agree to pay on the {$7000.00} loan until they provide me copies of documents that I actually signed. Navient assures me that they have a signed document on file, however they have sent us XXXX copies of the " master promissory notes '' ( XXXX to myself and XXXX to my mother ) and there is no signature on that document in each packet. I keep calling back and requesting to speak to the department that sends out the documents, but am told that department does answer phones or speak to customers. Seems strange!! 

I am willing to work out a settlement with Navient and they have agreed to a 65 % settlement of the XXXX loans combined, but I do not want to agree to that until I am positive that I truly signed the promissory note for the {$7000.00}. I am really looking to get my name released from the {$7000.00} loan that I never actually agreed to and will make a settlement on the remaining debt. I have only attached the unsigned promissory note, but can certainly provide you with all XXXX of the promissory notes they have sent me if you should need them. 

I do not seem to be getting anywhere with Navient at this point and am requesting your assistance in this matter. I am a responsible person, am well educate, have paid back all of my own school loans in entirety and I am willing to pay back a reasonable settlement on behalf of my mother. Thank you very much.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I have been dealing with Navient for many years now. Since the beginning I have had trouble getting in touch with them and was given wrong information. My loan has went up {$3000.00} since I consolidated with Navient. I have not even made a dent on paying any of it off. The interest rate has gone up as well. I have been trying to use the plan where it is based off of what you make, but even when using that, the principal has not lowered at all and it has been at least 3 years. I feel like I am never going to pay off my loans.
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

Provided with misleading and mixed information on the rate reduction program and my eligibility. When trying to reapply I 'm told I 'm just not eligible without reasoning provided. I was repeatedly transferred between different customer service agents who could n't answer my questions so they would transfer me to another representative on the same level. I was then told by a supervisor that I have to become delinquent on my account and accrue late fees and interest before I would become eligible again.
Consumer complaint received 2017-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IN)

As a struggling single parent with student loans from Navient/ XXXX XXXX XXXX XXXX contacted the the loan agency to find out how I could repay the loans. They guided me to to get a forbearance on my loans. So I went with their advice and years later my small loan is now almost XXXX. I have been receiving calls after calls for payment, and a few months back I tried to set up an arrangement and it was going to be 30 a month and the balance when paid in full would be XXXX this is absurd. I like so many have good intentions to pay but this is outrageous.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

I have submitted multiple times that Navient ( XXXX ) has committed fraud against me. My allegations are continuously denied by the organization. Yet I now see that your organization is directly suing Navient for fraud, for some of the EXACT SAME ISSUES I 've experienced. Since graduating from XXXX in XX/XX/XXXX, I 've experienced so many issues with Navient, that I actually wrote a letter to the head of the organization in XX/XX/XXXX. I included XXXX example communications to Navient / XXXX from XX/XX/XXXX and XX/XX/XXXX. I have experienced : - Payments not being allocated correctly to the proper accounts, causing my account to go delinquent be charged extra fees - even though I paid the correct total. 
- Navient auto-deducting money prior to the auto-deduction date, causing back-end banking issues on my side - Navient auto-deducting money after auto-deduction was turned off. 
- Navient charging me the wrong amount for student loans after new loan terms were agreed upon in writing. 
- Navient not releasing my co-signer, even after I made multiple on-time payments in a row. They never even let me know this was an option. 
- Navient not providing me with the proper resources to lower my student loan payments. I have been asking for over a month now for help because I was laid off my job in XX/XX/XXXX and have received zero response.
Consumer complaint received 2016-04-04
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: WLCC (MN)

On XXXX/XXXX/16 I logged in to Arrowheadadvance.com to check my payment date is it said XXXX/XXXX/16. My account was debited {$120.00} on XXXX/XXXX/16. I have already paid over {$510.00} in fees on XXXX loans. The website did n't align with the debits. Arrowheadadvance is not licensed to lend in Minnesota and is charging usury fees.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (NJ)

In early XX/XX/XXXX I was contacted by a XXXX, a car salesmen, he explained he could get me approved for auto loan. I filled out the paperwork when it came to delivery of the vechicle he promised me a XX/XX/XXXX XXXX truck that was not able to run/start. Having felt like he was untrustworthy I declined to do any further business I left his Lot without the car. A month later i get a statement invoice from West lake financial Service. I contacted Westlake Financial directly on a number of occasions via, phone and mail. I have explained that i never finanlized the deal with XXXX I never signed off on any paperwork other than loan application and i never took owership or registered any vechicle from XXXX. Months later I find that the issue had not been resolved and they CHARGE OFF the loan in my name. I have done everything in my power to get this matter resolved. XXXX has done this to multiple people from what I have learned he works out of and for multiple dealerships and is a straight con man Westlake financial Service XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

This company is so unwilling to work with the middle class person, whom works XXXX part time job to support XXXX young children. The company did not even offer any type of assistance programs, or even let me use the credit card security benefit plan since I fall well within their guidelines to have the debt removed. The company did not even send out letters, or offer programs to get back on track.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

XXXX XX/XX/2020. Why is Chase Bank now making it even harder to get a home equity loan during this pandemic? I was told today that a persons credit score needs to now be a minimum of 700 instead of 680. Before the pandemic the parameters were even lower. Why are they making it so average working people can not get money against their own homes? In the last two months my score has dropped 200 points - the government and banks are not working together? Something is wrong.
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MN)

Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of {$1000.00}. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from {$1000.00} to {$250.00} ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through XXXX that I did n't ask for, did n't apply for and never used that had a {$0.00} balance. Because it was " closed by the creditor '' hurt my score. I have always paid significantly more than the minimum payment due and had no issues with my WalMart credit account. They cut my credit limit by 75 % using a score from 4 months ago and adding the insult " your score has likely not changed significantly since the date of this score ''. I searched the internet to find out what a significant change in my score would be and found out that an increase or decrease or XXXX is significant. Well, since the date of the score they used and basically saying that I would n't be able to raise my score.. I have increased my score by XXXX. I was so insulted by the actions by Syncronicity Bank that I called and cancelled my card only to be insulted by the customer service agent I was talking to. I decided to close this card before they used a credit score from 10 years ago to close the card and have another " closed by credit granter '' mark on my record.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NY)

TJX Rewards ( TJ Maxx ) will only send the monthly statement if unpaid balance reaches over {$100.00}. 
This time, I bought for {$32.00} on XXXX XXXX, 2016 but I received the statement on XXXX. XXXX, 2016 and it shows for about {$60.00} as late fee in total of {$100.00}. 
It looks like to charge a late fee on the credit card statement is their policy, intensionally not sending a statement monthly. 
For me this is the second time, exactly same case happened, XX/XX/XXXX I paid about {$60.00} out of about {$41.00} purchase.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

Synchrony bank calls back to back everyday all day because I am late, I have spoke them and explained my wife has lost her job and I 'll pay as soon as I can. The calls come as frequently as 2 minutes apart and as much as 10 times a day
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

I filed a dispute for a tax lien that is being reported on my Equifax report. The lien was released by the IRS on XX/XX/XXXX. Equifax has been reporting this information since XXXX. I have sent them proof it was paid in full on XX/XX/XXXX. This information should have been removed from my report after XXXX. I keep disputing the information but yet the refuse to removed it as stated in the FCRA.
Consumer complaint received 2016-05-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

On XXXX/XXXX/16, I called the XXXX XXXX credit card company ( XXXX ) to let them know that I was not going to allow an authorized user ( XXXX XXXX ) to make any further purchases on my account. I was assured that she would be taken off and I would have no issues. on XX/XX/XXXX, I entered into my XXXX XXXX account to review it. I saw that there were XXXX rather large charges ( totally over {$1400.00} - XXXX including {$1000.00} in a gift card and another charge over {$200.00} made in XXXX XXXX ) assessed to my account. I immediately called them to dispute these charges as I had a XXXX balance on the account before these charges. I was directed to their fraud department and sent a subsequent report to fill out. I was told that the result could take 90 days. During this time, I received several harassing phone calls from them to pay my bill ... .I told them that the fraud dept told me that I was not to pay anything, nor would any interest be charged. until their investigation was complete. Today, I received their results ... ..I was not going to receive the proper credits because, in their words, " customer benefitted from the use of card/participated in the purchases. '' This was NOT possible as I was not even in the city of the store when they were made! In reviewing my on line account again today, I see that the purchase made in XXXX XXXX was indeed credited ... ... how, then, are they ignoring the other XXXX? I did not authorize any of them and, as stated, did not travel to XXXX XXXX, nor was I in the vicinity of the store where the purchases were made!
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MN)

I had opened a JCPenny credit account with the intent to rarely use it and help build my credit. My understanding was that one part of building good credit was by having available ( unused ) credit. After a period of time ( 1 or 2 years ), I received a notice that Synchrony Bank ( the JCPenny card backer ) was closing my account due to inactivity. My loss of available credit caused by credit score to go down. In addition to that I received notice from Synchrony bank that my Amazon Card limit was being reduced. I found out that Synchrony Bank actively pulls credit scores of it 's current clients, without making it clear that they will be doing this ( I 'm guessing it is buried deep in Synchrony 's legal gibberish ). If they feel a clients score no longer meets their criteria, they automatically reduce or close the clients account, regardless of the status of the account.