davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (HI)

Navient student loans is making it next to impossible to receive an income based repayment plan. I have tried several times over the past 5 months to properly enroll in the plan. They seem to have excuses each time I speak to them about why something was n't done. I requested hard paperwork be sent to my address twice. Each time, I was told the mail was " returned '' and that I should just do it electronically, anyway. I sent it via internet and was told it was n't received. Every time I spoke with someone, it seemed I could n't get straight answers out of them regarding how I should properly submit the income based plan. I finally mailed it in via certified mail. I was told I would receive an email on their decision a week ago and still have n't gotten that email. I fully believe NAVIENT knows exactly what they 're doing to make it difficult for people to pay back their loans in an affordable manner.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on XXXX XXXX  and Equifax credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX  online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Consumer complaint received 2022-08-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage  Lender  is reporting Foreclosure Status. This home has never had a Foreclosur e Sale Date (  it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.  <P/> Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure  Sale Date on Calendar.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX   XXXX   XXXX   XXXX   located in California is reported on all  XXXX  of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   2017  at  XXXX  in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient improperly removed a 0.5 % interest rate reduction as part of their Student Loan Rewards benefit written into my Masters Promissory Note.

They sent me a letter on XX/XX/XXXX that the benefit had been removed from my account ending in -XXXX. However, a payment was submitted via autopay for {$170.00} on XX/XX/XXXX, which should be marked as an on-time payment and continuing to qualify me for the benefit.

Since they removed the benefit on XX/XX/XXXX, my interest rate increased from 4.5 % to 5 % per day. This is costing me an addition {$0.00} a day in interest that Navient is not entitled to.

I reached out to Navient on XX/XX/XXXX asking to get this resolved by Tuesday, since it should be a simple check and fix. However, I have yet to hear back from Navient regarding this matter at all, which is why I'm here to make a formal complaint.

PS - I have attached the letter in question, proof of my payment straight from Navient 's website, and a blurb about the terms and conditions of the benefit.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc. (FL)

We stated specifically that we were looking for a home that was completed at the latest end of XXXX because our son was starting school. We signed the contract for a new home XX/XX/XXXX and given a range for closing of XXXX. During that time we applied for a loan using their lender to get the XXXX as show as an incentive for using their lender. During this time we also were contacted by Pulte insurance and started the process of getting home owners insurance through them thinking its all in out and would make things easier. Since doing that the insurance has been given closing dates of XX/XX/XXXX and XX/XX/XXXX. After confronting both XXXX mortgage and our sales consultants with the same dates shown on the documents we were told that those aren't actual dates. During this whole time XXXX has been offering incentives to bring down the rate for new home owners. Like offering 4.625 %, 4.25 % and currently 3.875 % to help entice buyers. Today XX/XX/XXXX I went in and confronted our sales agent about the closing date and lack of communication. I was told that the current offering doesn't apply to any homes within that community because they wouldn't be finished in time. Which begs the question why show the promo on the community page as if it was offered. When also questioned if we would be able to get one of those rates instead of buying the rate down we were told that is only for new customers. After review of the fine print no where does it state " new customers only ''. As of today we still do not have a close date and have paid to lock our rate that ends at the end of the month. I was told during my conversation with the sales agent that the builder has 2 years to complete the house and they pushed our range out again from XXXX to XXXX. Because of this move we will end up having to potentially pay more to continue to keep our rate locked at a higher rate then they are currently offering. If they weren't holding $ XXXX of our money we would be looking at a different home.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (NE)

Synchrony Financial automatically rejects applications for credit if a bankruptcy is involved. Why do they not state right up front that they will NOT consider or approve applications if a bankruptcy is present or on record in the past? They actively solicit & pursue applications from me yet never approve. They will also not advise of what credit score a person must have in order to be approved. Their reasoning does not seem objective or consistent.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

On  XXXX   XXXX , I called Chase Bank asking to use th e Stop Payment Service on two  incoming charges of {$650.00} and {$430.00} from  XXXX , an online service company. I was worried about the money because I saw some negative reviews about  XXXX  and could n't find a way to contact them. The  Chase  representative reaffirmed me that as long as I gave them the correct amount, Chase would reject any payments matching that amount regardless what other names  XXXX  might use.  <P/> On  XXXX   XXXX , I called Chase to cancel the Stop Payment and if I could get a refund for the Stop Payment fee that was charged. The representative refunded the fee. And I was aware that even if Stop Payment is canceled, it would still be effective for  one day, so the two p ayments would n't be charged until  XXXX   XXXX . And just to be safe, I deposited an additional {$1000.00} at  XXXX   XXXX  into my account for any unexpected issues. However, I found out later that my account had an overdraft fee of {$100.00} because of the two payments of {$650.00} and {$430.00}. If the payments were charged like what was promised on  XXXX   XXXX , there would be no overdraft.  <P/> On  XXXX   XXXX , I spoke to Chase, they refused to refund the entire {$100.00} due to the courtesy limit and insisted that no mistake was made on their part. I explained my situation t o   XXXX  , t he supervisor, she was just as frustrated as I was. And told me that they will listen to the types to see if I was telling the truth.  <P/> I feel extremely disappointed in Chase. Used to think that Chase was the better bank. Now, or maybe I was just wrong,  Chase  like the others will look for ways to reach in your pockets for fees. I really want to know what happened to the overdraft fee ban. Can a bank just be a bank? And not act like a government entity constantly seeking ways to punish people financially.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

My auto payment did not go through again for  XXXX   2017 . I reported this in  XXXX  with case number  XXXX  and it has happened again. The company assessed me a late payment of {$37.00} hours after the payment was due but it was n't paid because they did n't do the auto payment. I called and no one will remove the late charge again. T he first operator hung up on me after I was on hold for 11 minutes and then I called again spending a total of thirty minutes on the phone. They claim they were training after the last incident but clearly that did not ha ppen.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In  XX/XX/XXXX  I signed up for the student loan forgiveness repayment program as I 'm a   XXXX   XXXX  , working for a   XXXX   XXXX  . I was told in ten years my federal loans would be dismissed. In   XX/XX/XXXX  I  noticed I was no longer in the repayment forgiveness program. I calle d Navient and they said I would have had to renew this each year. I told them I was unaware of that and I never received anything in the mail to notify me to renew. Navient stated that it 's only a courtesy to send out renewal paperwork but they do n't necessary do it. They did not help me. Basically I lost five ye ars of payments toward loan forgiveness. They deceived. And they did n't care.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Name :  XXXX  Agent :  XXXX     XXXX   Company : TJmax Issue : closed my account involuntarily due to previous delinquencies even though account was paid current in  XXXX .   XXXX   confirmed the company did not issue a notification to me or contact me to advise. Company did not allow me opportunity to rectify and/or opt into auto pay to ensure payments are received timely to prevent future delinquencies
Consumer complaint received 2017-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Equifax confirmation number : #  XXXX  I have disputed an item with credit reporting agency Equifax and I am filing this complaint because they have failed to provide me with documents they have on file that are being used to verify the information being reported. Being that they have gone far past the 30 day mark and can not verify this account, under secti on 611 ( 5 ) ( a )  of the Fair Credit Reporting Act, they are required to 'promptly delete all information that can not be verified '. Please solve this issue as soon as possible.     I appreciate it.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

Starting on  XXXX , Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with   XXXX   and  XXXX , but the results came back verified. After talking to  Chase t wice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all  XXXX  bureaus. Following is the list of inquiries :  XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD   XXXX   XXXX   XXXX   XXXX  , DE  XXXX   XXXX   XX/XX/XXXX CHASE CARD    XXXX   XXXX   XXXX   XXXX   , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XXXX   XXXX ,  XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX   XX/XX/XXXX  CHASE CARD  XXXX   XXXX   XXXX   XXXX , DE  XXXX   XXXX
Consumer complaint received 2017-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (FL)

Loan comes out every Thursday last one came out  XXXX   XXXX  ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole  XXXX  by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to  XXXX  so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do.
Consumer complaint received 2017-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been in contact with the   XXXX   on serveral occasions. The first time  XXXX / XXXX / 2017 , then again on  XXXX / XXXX /   2017  in regards to some incorrect information on my credit report. They never responded. I requested that they send me validation on the accounts that are showing on my credit report which i feel do not belong to me. I asked for as copy of written proof of what it is for. As of today I have not received a response.
Consumer complaint received 2017-06-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (IL)

XXXX   XXXX   XXXX  trying to collect a debt they took over the property the attorneys  XXXX   XXXX   XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I was in for a modification and was denied due to failing the appraisal. I submitted a complaint to Hamp escalations and was told that i could not be modified as I was already under 31 % of my debt to housing income. I want US bank to rewrite my existing loan so that i can maintain home ownership.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

Upon viewing my credit report, I noticed that  Westlake Financial Services  had placed on my credit a  XXXX  separate balances-one was a charge off balance of {$7100.00} and the other was a past due amount for {$5900.00}, for a vehicle in which was voluntarily surrendered that I had cosigned for. I collaborated with this company via telephone and spoke with a representative there. Upon speaking with this gentlemen, I requested a bill of sale from this company for the amount in which, the vehicle was resold for and the difference in which was owed. The gentlemen, then abruptly to me that he could provide me with a breakdown of all of the charges including an impound fee, in which was not true. The car was surrendered from  XXXX  ' auto body and repair, after they had to be contacted several times by myself and the owner of the auto body shop. Again I requested a bill of sale for the resale of the vehicle and was told that it would be provided, this occurred in early  XXXX    XXXX  , and have not received any letter, bill of sale, etc. This was an attempt to settle a debt and this company is totally non-compliant with my request.
Consumer complaint received 2017-06-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (PA)

I believe that my mortgage representative,  XXXX   XXXX , loan processor,  XXXX   XXXX , and underwriter misrepresented the guidelines that were required for final approval of my mortgage application and/or denied my application in part because of my  XXXX . After receiving notification that I was approved via Citi 's online application status portal on approximately  XXXX / XXXX / XXXX , I received a phone call from my mortgage representative a few days later claiming that I was denied at on  XXXX / XXXX / XXXX . The reasoning for the denial provided by the mortgage representative was that my income, as reported on my  XXXX  tax return, was insufficient. Despite having records of my income via my  XXXX , tax returns, and pay stubs for several weeks prior, Citi 's team failed to communicate this to me until  XXXX / XXXX / XXXX ,  XXXX  week prior to closing and shortly after I disclosed my  XXXX .     I disclosed my  XXXX  orientation to my loan processor,  XXXX   XXXX .  XXXX   XXXX  learned that I was a  XXXX  male through our conversations about gift funds from my significant other who is male.     As such, I believe that  XXXX  's team is disingenuous at best or bigoted at worst. I am extremely disappointed in the team 's handling of the situation and strongly believe that I was not denied my loan because of insufficient income but instead because I am a  XXXX  man.
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

XXXX  does not help their  XXXX  customers. I 've been recently deemed   XXXX    XXXX  and they do not even offer you a reduced payment. I was told by a representative that I would have to pay my loans as usual regardless of my income. They are heartless people and I would never advise anyone to get a loan through them.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (TX)

While reviewing a recent copy of my [  XXXX   ] credit re port I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I asume it has to be I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my Paypal is XXXX XXXX