davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

During college, I took out a loan from Nelnet for {$3500.00}. Unfortunately, I forgot about the loan because the company sent me repayment information to my old university email, which I no longer had access to after graduating XX/XX/XXXX. Then on XX/XX/XXXX, I was notified of a delinquency on my credit report. I looked into it, and discovered that my Nelnet loan was now delinquent, as I had not made a single payment. Realizing my mistake, I called Nelnet to try and fix the situation. The loan officer promised on the phone that if I paid off the loan in full right now, Nelnet would remove the delinquency and it would not affect my credit score in the future. Because of his promise, instead of making monthly payments on the loan, I paid off the loan in full using my savings. I called two more times after I paid the loan to make sure everything was paid off completely. Both times, the loan officers ensured that the loan was paid off, and that the delinquency would be removed. I assumed everything was done regarding my Nelnet loan. 
However, I checked my credit score earlier this month, and my credit score dropped again. I called XXXX, and the XXXX agent confirmed that my NelNet delinquency was still hurting my score. My delinquency was still on my credit report, unlike what Nelnet had promised. I called Nelnet today to clear up the issue, and the agent this time sang a completely different tune. The agent said that delinquencies can not be removed, and that the delinquency would stay on my report for 7-10 years. I explained that I had paid off my loan in full because I was promised that the delinquency would be removed from my credit report. The agent said she would " look '' into the recordings. But 5 minutes later, she came back saying the recordings could not be found because they were too old. I am very frustrated because I think Nelnet should still have access to the recordings as they are not even a year old ( XX/XX/XXXX ), and may be hiding the calls on purpose. I am also frustrated that Nelnet promised to remove my delinquency, and now claim that they are unable to do so under any circumstance. I researched online people getting delinquencies removed from their credit report, and I am certain that Nelnet can do so also. The Nelnet agent I talked to today said she would also submit a complaint to her supervisor, but I am very skeptical. All I want is for the delinquency to be removed from my credit report as promised.
Consumer complaint received 2016-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NY)

I have asked three times for my loan payment option to be switched to the revised income based plan. They have told me every time that it will go into effect the next month but it never changes. I have all of the messages saved. This month the payment was even higher. It jumped to {$270.00}! I ca n't afford for them to keep doing this to me. If it is n't lowered like iced asked multiple times I am going to have to defiant on my loans and I do n't want to do that.
Consumer complaint received 2016-04-16
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GREAT LAKES (CA)

Was not informed on the debt I owed or need to pay until it had already been sent to collections. I was only XXXX at the time and had no way of paying it back. was told that I would have a whole XXXX grace period to pay whatever was owed yet I 'm constantly being harassed and my credit is being taken advantage of.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (GA)

I opened up an account with Chase bank and I was not informed about the fees that could be assessed to the account. I have been charged nearly {$1000.00} in overdraft fees erroneously. I had fraud in my account on several occasions, and I was charged fees in relation to that. I had a international wire transfer that was rejected by Chase and I was charged overdraft fees associated with that. I had clients who attempted to make deposits into my account in XXXX, but were refused by Chase tellers and I was charged fees associated with that. I have complained on nuns ours occasions but to date my account is still overdrawn and Chase refuses to refund me.
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a XXXX MileagePlus XXXX Chase Visa account XX/XX/XXXX. From XX/XX/XXXX to XXXX, I used to log in monthly on my personal chaseonline.com account to pay my current balance charges. 
I started receiving Chase direct marketing emails to invite me to set up automatic payment, which I did. I set up the automatic payment XX/XX/XXXX on my Chase credit card. By default, Chase automatic payments are setup with the minimum monthly charges and does n't mention clearly the second option you can select for " Full Amount Due ''. 
I 'm French and I 'm not aware of such options. So I have n't paid any attention to this option until I realized today that I had monthly purchase Interests charges since XX/XX/XXXX. This morning ( XX/XX/XXXX ), I had a current balance of {$26000.00} for which I 've already paid {$1300.00} fees!!! I called Chase Client service, explained the situation, paid immediately the current balance ( over $ 26k ) to show them I have money and this was a huge mistake from account setup ( precisely their " automatic payment '' options ) but they declined all responsibilities. I 've asked them why they do n't contact customers when such customers reach those past overdue balance. Their answer was " we have too many customers to serve so we do n't call nor contact any customers for any reason ''. I feel they stole my money as it 's clearly a matter of their " setup '' on their online interface to mislead customers. 
My desired solution is at least to get reimbursed the last Purchase Interest Charges of {$310.00} for XX/XX/XXXX, charged on XX/XX/XXXX ( so 1 day before I contacted them ). I kindly asked them ( the " manager/superior '' I was put through ) to help sort this out as I immediately paid all current balance charges to prove them my honesty. They declined again. 
I 'd like to complain about this scam and get money back from Chase.
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I called Chase bank to I inquire about charges on account. I had a joint account. The customer service department transferred me to the fraud department. The person at the fraud department asked me my name, address social security number, etc. However then they asked me if I had the debit card in front of me, and even though I told them I did, they then acted really paranoid like I was not the real account holder even though I told them information only I could know and then transferred me to some automated system that told me to enter my card number and expiration date, and even though I did the automated XXXX XXXX XXXX said the information was not valid even though it was and locked me out of my own card, why I transferred to an automated system system made no sense that did not work and locked me out, why the person working in the fraud department got all totalitarian makes no sense, I could not even log in online to resolve the issue, or deal with the issue by calling customer service. I had to go down to the branch in person because the fraud department was treating me like a criminal and locking me out of my own account. Maybe Chases ' totalitarian fraud department should be contracted to run private military companies in countries where rights do n't matter, because they acted like that, but in my opinion, the fraud department should not be in the baking business because in the XXXX where civil rights exist, maybe this policy would be okay in XXXX XXXX. I was a customer for over 10 years and yet they treat a customer asking about a transaction like a criminal, it 's highly unlikely even if someone stole my debit card they would know my address, social security number, address, pin number, and online user name and password, so why lock me out if my online account? I could not even call customer customer service to order a new card because my account was frozen. There is lack of transparency and due process. No administrative appeal or grievances available. I feel the fraud department acted in bad faith and very unprofessional, I was never even given a logical explanation of why my card was locked when I went to the bank branch, so I believe my account and card was frozen simply to harass and oppress. I had direct deposit from social security XXXX so maybe this was discrimination and maybe violated the equal credit opportunity act. I do n't feel my case was treated in a fair non discriminatory manner and I was never given any explanation. A customer should be able to inquire about charges without being treated as a criminal, when I enquire about charges at another bank, they do n't think accuse me of being a thief, they treat me like a customer, they contact me by email if they need more information, chase bank was not reasonable and froze my account, fraud is a concern to financial institutions, however, consumer rights should be an equal concern.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (PA)

on XX/XX/2016 XXXX paid off my balance to CHASE credit card. of $ XXXX.they, chase rep. confirm the payment and I owe no money to them.i keep getting bills from chase chase .keep insisting that I pay $ XXXX.my account remains open dispite the fact I told them to close it in XX/XX/XXXX ..their interest rate is too high../credit card number is XXXX.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WI)

I could n't afford the high payments and due to the interest building up along with late fees continuing to pile up, my student loan amount dramatically increased. I was not given any information about repayment options to help me and when I called them and tried to lower the payments, I was put on hold for a long time and transferred to many different customer service representatives who all did n't know if they were allowed to lower my bills, or told me that what I was paying is the lowest repayment option that they offer. Now my student loan amount is too high and the payment amount is still unaffordable. It is very difficult to find a job that that pays me enough to afford my student loans and live on.
Consumer complaint received 2016-07-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

.Re : Everhome/Bank Mortgage This notice is intended to support the dispute regarding Everhome Mortgage. The disputed information is regarding the 120 days late posting. The late posting was the result of Everhome. Despite attaining a buyer XX/XX/XXXX, Everhome delayed closing until XX/XX/XXXX. During this time, I was informed that payments were not to be made during acceptance of a Short Sale. Post the short sale, I realize that the home was listed as a foreclosure and contacted Everhome numerous times, without resolve. 
The home has been reported as a Foreclosure for seven years on all credit bureaus. Everhome mortgage never provided documents that would accompany 4 months of default. The below noted documents were not received : A verbal of written notice of default A foreclosure was not filed per county proceedings A " Judicial order '' or " Power of sale '' notice was not received Presently, I have been informed of the OCC investigation with Everhome. Despite their posting of foreclosure in 2010. I was not contacted in accordance with the stipulations of the resolve to homeowners who were in any phase of the foreclosure process during XX/XX/XXXX-XX/XX/XXXX. I have recently contacted Everhome, it has been one month since my call and they have not resolved the situation. The representative that I originally spoke to presented facts that suggest that a foreclosure was done behind my back and that the short sale was not performed. However, I contacted the XXXX County Clerk and they have provided evidence of the sale.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (CO)

quite some time ago possibly XXXX years I opened a united milage card with chasein XX/XX/XXXX iI opened a united mileage plus explorer card with chase which has more benefits i was told. I verbally asked to have the XXXX card closed. they did not close it as requested. in XX/XX/XXXX i realized i still had XXXX accounts and asked to have to closed and my mileage combined. i cut up my original card. i checked in XXXX XXXX and found united still had not combined milage which they said they would do. I few days ago got a new card from chase for the old susposed closed account and called chase getting he run around from XXXX and XXXX and a supervisor XXXX XXXX saying the card fees could not be refunded. I asked for her manager - she said none available but i would be called back next morning - next afternoon i had no call so again called for manager was told all busy and now would be called back in 3 days. XXXX card fees were taken out of my bank account even though only XXXX card was used. XXXX fees were taken out previous year as well. i wish XXXX fees refunded. 
My father is a retired XXXX XXXX. I am a XXXX times XXXX XXXX XXXX.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MILEND, INC. (GA)

I contacted Milend Inc. to ask about the current interest rates they offer on mortgage loans. The individual I spoke with had taken information in order to give me an " accurate quote '' on interest rates. After several weeks I receive a letter from Milend informing me that an application for a mortgage loan has been applied. I never made any intent to pursue anything including an application or loan with the company. I specifically mentioned that I only want to know the current interest rates provided by Milend at the time.
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (CA)

I opened a loan with Mariner Finance LLC in XXXX. I only made one payment and I was not able to make in other payments due to a hardship related to COVID -19. I recently contacted the XX/XX/XXXX company to try and see if there were any settlement options for me due to my hardship and since I was ready to try and settle this account since now I am in a better financial position. They said no you dont qualify for any settlement options because you only made one payment and the second payment was returned NSF ( due to my hardship COVID -19 I couldnt make additional payments ) you dont qualify for any settlements thats our policy. On XX/XX/XXXX I received an email were it clearly states that theres settlement options for me and even shows me a principal balance of XXXX I called the following morning to discuss the email and again they stated there was no help for me because I didnt fall with their policy guidelines. They didnt even take my hardship into consideration. Even the manager asked me clearly you filled a complaint I said yes with XXXX XXXX XXXX. Like she was surprised. Nowhere in the email does it state I may not qualify for settlement options I even read the fine print. This email is misleading to me as a consumer and having no settlements options for me its even harder to comprehend due to my hardship. They didnt even ask me if I had proof of my hardship nothing the representative also stated this is a yearly CAMPAIGN this is why you received the email, however we cant assist you.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

RE : Case number : XXXX XXXX incorrectly reported me as delinquent to Experian ( EX ). EX dropped my credit rating from XXXX to XXXX. This revised rating now appears as my credit score used by XXXX XXXX ( XXXX ), my bank and with whom I have lines of credit. This is information was posted on my last XXXX statement. I contacted XXXX and they told me they used EX. I used EX 's website to review my account ( XXXX? ), noticed the erroneous report ( a repeat of a wrong filling by XXXX in 2015, which was resolved and recorded in CFPB ). I disputed the charge on line and have no response from EX. I filed the above case with CFPB and have had a response from CFPB in which I was told it was EX 's fault and I should contact them. Why is the burden being placed on the victim and not the error 's committers?
Consumer complaint received 2020-08-18
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OR)

I was told by the borrowers defense program that my student loan should be forgiven by Navient. 

I called Navient several times to fix it and try to get my loan forgiven, and they shared they received the paperwork from borrows defense gov program, showing they approved my loan to be forgiven 100 % fully, and they were going to write off my loan and forgive it within 60 days. However after 60 days I did not hear back from them I called back in and they said I would need to apply for a new consolidation loan from Navient before they could forgive my loan. I felt totally mislead by Navient and their tactics to have them try to get more money out of me, and not follow the process of forgiving my loan which was authorized by the borrowers defense program / USA government, and now over 100 days since XXXX of 2020 when I received the letter from the borrowers defense showing they approved my loan to be forgiven fully. 

Please contact me and let me know what I can do to resolve this issue. 
I am not working at this time, and trying to find a place to live due to the poor economy and the pandemic, this has been very stressful time for me. 

In addition, I notice Navient also has a class action lawsuit for miss leading consumers similar to what happened to me. I am very concerned how I was treated and I feel totally taken advantage of by Navient. 

https : XXXX # XXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (GA)

I have a monitoring service through Experian. Every time I try to log in I have to navigate through unsolicited offers before seeing my credit file. On XXXX XXXX i logged in and try to view my product but clicked the wrong option and was charged XXXX. I immediately called in, explained what happened, said I did not want this product. The call center is in a non english speaking country so there is a language barrier. I was finally told I would receive a refund and would have access to the product I was charged for as it could not be undone. The refund would take the to XXXX days. I never received it back on my credit card. I called today, XXXX/XXXX/15 and was told the same thing. I have filed complaints with the XXXX and now the CFPB. My next step will be to file a fraud charge with my bank, XXXX. I just want my XXXX back, very simple.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have contacted the credit reporting agency Experian multiple times regarding negative items ( XXXX and XXXX XXXX ) on my credit report that I believe is not mine. I told them I tried to contact the collection agencies directly to acquire a billing statement showing proof that the debt belongs to me but the phone number on the credit report is not a valid phone number. I asked Experian how are they getting in touch with the collection agencies to continue to report negative items on my credit report and I also ask for the credit bureau to provide proof of the information the was provided to them from the collection agencies. Experian stated that they have not receive any information from the collection agencies to instruct them to remove the negative reporting, but my question to them was how are they validating that the information is truly for me. If the collection agencies have not responded to Experian, why Experian continues to report negatives items that I have disputed and I believe is not valid. I also ask Experian to provide proof that they validated the information with the collection and to provide the phone number, email, or address that was used to validate the debt. Experian told me they were not able to provide that information to me and I should use the number on the credit report that is not valid. Why I ca n't get proof or speak to someone concerning the validity of the debt??? I believe the continuous reporting is un-just because I have not received a billing statement or proof related to the debt from the collection agencies or received proof from the Experian showing how they were able to validate the negative items.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

Experian reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, XXXX
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

Navient, The WORST lending company I have ever dealt with. I am still in school and every single semester they " ca n't find me '' in the clearing house for people attending college. Therefore I get constant and non stop harassing phone calls! 12 a day to be specific. I then have to call and go through a series of people to explain that my loan should be deferred because I am still attending school full time. EACH semester they require me to upload a new deferment form from my school. Because of this I have also been wrongfully charged of late fees and " late '' payment notices that are affecting my credit score. They also go after my Co-signers with harassing phone calls even when I am in the process of communicating with them that they are in the wrong ... I wish I had never signed a loan with this company, biggest mistake.