davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

XX/XX/XXXX I received a XXXX XXXX Tuition Answer Student Loan in the amount of {$20000.00}. I am listed as the Student Borrower/Co-Signer of the loan. I completed XXXX school in XX/XX/XXXX ( A long time I know ) and then went to graduate school. I utilized forbearance and in-school deferment options all I could but during my 2nd year of XXXX school I received notice that I no longer qualified for assistance and would need to start paying my loan immediately. The monthly loan amount was more than {$400.00} per month and as a XXXX student with a salary of only {$5800.00} a year this was a struggle. 

After finishing XXXX school the job market was less than ideal. I missed some payments and got behind. I contacted XXXX XXXX for assistance and they informed me that the only program I qualified for was a " rate reduction program ''. In this program they reduce your interest rate to 1 % and you pay the interest on your loan ONLY. None of the money goes towards the principal which has now exploded to just over {$54000.00}. 

I now have a secure job and I have been making payments and each month I pay what I can and the principal NEVER goes down. As a young consumer at the time of this loan I feel like I was taken advantage of by XXXX XXXX. It is n't that I do n't want to pay my loan, it is more that I have made payments for XXXX years and my loan balance has n't decreased a cent. XXXX XXXX, now Navient, simply collects money from me every month and calls the program a way to help consumers. This does n't HELP consumers, it suffocates them. I am a teacher so I will never make enough money to make the monthly payments that they want from me and LIVE. 

I reached out to them to see if we could settle this account for a smaller amount and they declined. I filed a complaint with the XXXX about their predatory lending techniques and they sent me a letter with the promissory note included. According to a XXXX XXXX XXXX with the Office of Customer Advocate, the Rate Reduction Program, " is a special modification program that is designed to assist customers in resolving delinquency and repaying their student loans ''. 

The problem is, the Rate Reduction Program DOES NOT help consumers repay their student loans, it helps make the pockets of Navient thicker by collecting " interest only '' payments from those who are financially struggling. Here is an idea Navient, if you really want to help consumers repay their student loans why do n't you take the interest rate down to 0 % for one year and allow them to make a pre-set payment that will ACTUALLY help them pay down their principal. 

As I said before, I want to pay my debt back, but I do n't think it is right for me to have made payments for 3 years and still owe the same amount. This is n't helping me " repay my student loan '' it is helping Navient MAKE money off of a person who ca n't afford the full monthly payment on their {$20000.00} loan that has EXPLODED to {$54000.00} because of a crazy high interest rate.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have a XXXX collection in my accounts thati am not liable for & should be closed and deleted off also I have a utility for XXXX $ that has been over 8 years and is closed and should be removed also XXXX in my account for collection was deleted do n't understand why its still there also would like to have my inquiries removed and update address to XXXX XXXX XXXX can XXXX also have XXXX student loans from XXXX XXXX that have been closed and not bad history for 8 years and still have n't been removed please remove thankyou
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NM)

Finally received my annual credit report from Equifax on XXXX XXXX. 
First request for my Equiifax credit report was made on XXXX XXXX. 
Equifax took over 5 months to respond to my request. 
This delay by Equifax is unacceptable.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they are required by law under Section 611 ( 5 ) ( A ) of the FCRA to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M H Loans Corporation (CA)

On XXXX XXXX 2015 at XXXX I spoke to a XXXX XXXX who works with MH Loans Corp XXXX # XXXX. I explained that I was thinking of attempting financing to purchase a Mobile Home in my area, but I was n't sure how my score would appear as I had just experience a sudden reduction in my score for unknown reasons. I was in the process of exploring so I wanted to her to help me out with a report so I knew which way I wanted to proceed with an offer I was preparing to make. She told me that it was late that afternoon but would run my credit though her under writer the next morning, and call me once she had an answer. 
The next morn came and went without hearing from her or anyone from her company. At around XXXX I attempted to call XXXX XXXX at XXXX but only received a FAX tone. at which time I called my real estate agent XXXX XXXX XXXX, I reached XXXX XXXX and was going to tell her that I had asked this Mortgage loan company to advise me of my chances of getting a loan. XXXX XXXX at this time informed me that she had been informed by the selling agent that the lender XXXX XXXX had called her ( the sellers agent XXXX and XXXX XXXX had gone into detail about my wife and my credit file. I at that time told XXXX XXXX XXXX my agent ) that I had n't heard from the lender and wanted to know how was the other agent notified of my financial status before I even knew what the outcome was. More over how and why was someone whom I had n't authorized to be involved in my credit file nor had I or my wife even made an offer to this other agent concerning any kind of bank financing. at this point XXXX XXXX and MH Corp have violated several sections of FCRA and this has now resulted in a total breakdown of any possible negotiations between my wife and I concerning a potential sale. I do have more testimony of XXXX XXXX XXXX My Agent ) of even more detailed information that was pass along to her and the other agent from MH Loans Corp and XXXX XXXX of which I will forward to my Attorney XXXX XXXX XXXX XXXX No Relation to my Agent XXXX XXXX XXXX.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have requested that this Bankruptcy be remove many times. This is not mines. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

There is a judgment on my credit report that do not belong to me and I have disputed it directly with the credit bureaus and the court house and no one has seemed to provide me with XXXX legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for this judgment and it is causing grave injury to my credit report and score. The judgment is as follows : XXXX County Special - XXXX
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I have made several attempts with Experian including sending them copies of the correspondences sent to the unauthorized company ( XXXX XXXX XXXX ) of which I have no contract with nor have I done business with them and they have never responded to any of my debt validation letters to verify validity of this alleged debt that they are stating that I owe and Experian is continuing to allow this unknown company ( XXXX XXXX XXXX ) to continue to report fraudulent invalid debt to my personal credit file without my consent hurting my credit and also communication with this 3rd party who I have no knowledge of ever owing a debt to or having a valid contract with nor have they proven to me that I owe a debt and they have the authority to collect a debt on behalf of some other alleged creditor and report negative items to my credit file. Experian and this alleged debt collector are both 3rd parties communicating with each other and Experian is sending this third party debt collector information that I am sending them without my consent. Even after the documented certified proof of the debt collectors failure to respond to the consumer to validate this debt, Experian still refuses to remove this unverified invalid account from my personal credit file because they are stating that XXXX XXXX XXXX is verifying my name, address, phone number, and S.S. # but not providing proof that they completed a true and correct real physical investigation regarding the validity of this debt and account. I have completed all of my Administrative Processes to get both Experian and XXXX XXXX XXXX to verify that this is a true lawful debt that I owe and they are both ignoring my correspondences as I am following the procedure provided to me by law to validate this alleged debt of which I can not get any feedback from XXXX XXXX XXXX proving that this is a valid and lawful debt that I owe and that they have the authority to collect on the behalf of the Original Creditor by producing to me a certified true and correct contract signed under penalty of perjury stating that I owe them or the original creditor any kind of debt.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (MN)

I have been working with a HUD approved housing counselor to have Selene review my request for modification. On XXXX/XXXX/XXXX my housing counselor and I were told to send in the XXXX most recent bank statements and proof of income. We advised Selene that Social Security was my only income and they requested a letter stating that Social Security was my only income and I was no longer self-employed. We sent it per their request. 
On XXXX/XXXX/XXXX my counselor verified with XXXX at # XXXX that the paperwork was received and nothing new was needed. On XXXX/XXXX/XXXX my counselor called Selene to check on my request status and spoke with XXXX XXXX she was advised that the request was closed out because we did not send the bank statements per the letter request in XXXX XXXX. The requested bank statements were sent on XXXX/XXXX/XXXX. 
However, the XXXX XXXX was not statement, but a full month transaction history of the bank account because statements were n't available yet, which included my name and account number, the same as on the XXXX XXXX bank statements. We were told by XXXX XXXX that even though we were told all the information was received by Selene on XXXX/XXXX/XXXX that the transaction history was no acceptable. XXXX XXXX stated that Selene did not send out a letter stating the transaction history was not acceptable, but said that they made several unsuccessful attempts by phone only, to reach me. Since they call me for collection reasons all the time and I am working with a counselor I did not answer the calls. I thought they would send a letter if something was missing. The modification request was closed and we were told that we would need to resubmit everything because Selene does n't have competent people answering the phone who could have told us on XXXX/XXXX/XXXX that the transaction history was not acceptable. Had we been told that day we would have sent the statements as soon as I got them from the bank, which was the only reason I did n't have them to send on XXXX/XXXX/XXXX. There should have been more than enough time between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for someone at Selene to make a note stating the transaction history was not acceptable.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

My debt with XXXX XXXX XXXX was discharged in bankruptcy in XX/XX/XXXX. They have since begun reporting the account on my credit as a derrogatory account with inaccurate dates and a balance due as of XX/XX/XXXX.
Consumer complaint received 2015-04-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

My account was closed without my consent. I was told that I was unable to use my debit card when trying to make a purchase. When I spoke with the customer service representative, she stated that Chase Bank is terminating services with me forever and my account would be closed in 10 days and that I needed to remove all funds from my account. I was not sent any written form of communication informing me of this decision. 3 weeks after I was informed of this information, my account was still opened and I had not received any written letter informing me of Chase 's decision. On XXXX XXXX, 2015 my account was overdrawn because of a transaction I disputed from XXXX in the amount of {$180.00}. Chase Bank made the decision that my dispute was not approved. I provided the confirmation number and itinerary number to Chase Bank and was still denied my dispute. On XXXX XXXX, 2015 there was a overdraft fee of {$15.00} charged to my account even though I was informed by the customer service rep to take all of my remaining funds out of my account. To this day I was never sent any written information informing me of Chase 's decision to discontinue services with me and why.
Consumer complaint received 2016-07-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

JPMorgan Chase Bank, N.A., XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL., filed documents that were intentionally inaccurate and submitted without any good faith basis to the United States Bankruptcy Court in the XXXX District of Illinois and the Circuit Court of the XXXX Judicial Circuit Court , XXXX County , Illinois in order to obtain a Judgement of Foreclosure and Sale on XXXX XXXX, XXXX. 

Since XXXX XXXX, XXXX, JPMorgan Chase Bank , N.A . has continued to practice unfair, deceptive acts and business practices by denying consumers Rescission Rights. 
Consumers Rescission rights are as follows : Rescission Rights ( Open-End and Closed-End Credit ) - Sections 1026.15 & 1026.23 TILA provides that for certain transactions secured by the consumer 's principal dwelling, a consumer has three business days after becoming obligated on the debt to rescind the transaction. The right of rescission allows consumer ( s ) time to reexamine their credit agreements and cost disclosures and to reconsider whether they want to place their homes at risk by offering it as security for the credit. 

To rescind a transaction, a consumer must notify the creditor in writing by midnight of the third business day after the latest of three events : Consummation of the transaction, Delivery of material TILA disclosures, or Receipt of the required notice of the right to rescind. 

This complaint will serve as Notice to JPMorgan Chase Bank, N.A, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Il to rescind loan transaction XXXX based on failure of JPMorgan Chase Bank , N.A . to : Consummate the transaction, Delivery of material TILA disclosures, and Receipt of the required notice of the right to rescind. 
If the consumer rescinds the transaction, the creditor must refund all amounts paid by the consumer ( even amounts disbursed to third parties ) and terminate its security interest in the consumer 's home.
Consumer complaint received 2016-05-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I received a settlement letter in XXXX 2015 for {$2200.00}. I have made all the payments and Navient sent my account to a collection agency for the full balance even though I made all settlement payments. I paid off the settlement early and have attached copies of the money order receipts. 

The last I heard from Navient was on XXXX XXXX, when they told me that my payment had been applied to a different account, that they had fixed it, and that I would be receiving a settlement in full letter shortly. Instead, I received a collection letter for XXXX XXXX for the full balance with no mention of my settlement or the settlement payments I made.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

In XX/XX/XXXX, I lost employment and after after a few months lost the ability to pay my mortgage. In XX/XX/XXXX, I received a grant from a state agency which paid my arrears in full and made partial payments on my mortgage loan through XX/XX/XXXX. I have not been late on my mortgage payment in 5 years ( there is one exception with an explanation following ) and requested that my account be reaged to bring my account current which would remove negative information - older than 12 months. 

I have kept my financial obligation with Chase since getting my mortgage back on track. While acknowleges that they have the ability to do reage my account, they will only do so if you enter into a mortgage assistance program. Which is ridiculous and a gimmick to stretch out payments and add to the overall cost of your home and compounded interest. My account is not past due and I do n't require assistance. 

I have worked hard to reestablish my credit with Chase and others and this negative information is impeding my progress. Thus, I am coming to CFPB to assist with negotiations to have my account updated to reflect the positive status for 6+ years. 

Thanks. 

XXXX XXXX
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

Disputed charges to my debit account : {$39.00} from XXXX on XX/XX/XXXX {$39.00} from XXXX on XX/XX/XXXX The merchant XXXX XXXX XXXX is supposed to send three XXXX records every month as part of a subscription, however, after XX/XX/XXXX, they stopped sending me anything at all. I tried to reach out to customer service and was unable to, initially to ask why I had not received anything and subsequently to request a refund and tell them to cancel my account. This all took place in XXXX prior to the XX/XX/XXXX charge. 

After that charge, some basic internet searching revealed that the company is basically a scam in that they will not send you products, their customer service team is impossible to reach or does not exist, and it's impossible to cancel your account outside of putting a stop charge on them through your bank/credit company. 

Some of the modes I used to attempt to reach XXXX  to request a refund/cancelation : - Via telephone, as their website lists they can only cancel an account is via phone. However, I have called over 200 times within the hours listed on their website and have never had anyone answer. The call sends you to a voicemail box requesting that you leave a name and number but they do not call back. 
- Several emails, only twice received a response that was not helpful and did not respond to my questions or requests. Since them have received no response to any of my emails. 
- Private messaging on both XXXX and XXXX. 

Despite telling TCF bank all of this several times, over two so-called investigations after I submitted a dispute and the above info they have responded that they are " unable to recover your funds. If you wish to continue recovery efforts, you must work directly with the merchant who charged your account. '' I can not " work with '' a merchant who is scamming customers and has purposely made itself unreachable. 

Attached below please find the documents I sent to TCF in my dispute request, namely : 1. Email chain requesting refund and cancelation of subscription ; 2. Screenshot of XXXX direct messages requesting same ; 3. Screenshot of XXXX direct messages requesting same ; 4. XXXX XXXXerms of Services, including billing and cancelation policy ; 5. Screenshot of my XXXX account showing that the only shipment they ever sent me was one paid for by someone else as a gift, prior to the XXXX and XXXX charges to my account ( so no shipment of a product on either of the charges to my account ) ; 6. Screenshot of XXXX site indicating that subscription can only be canceled by phone ; 7. XXXX XXXX XXXX business profile for XXXX ; including XXXX investigation results detailing numerous complaints of customers not receiving products purchased and being unable to get in contact with XXXX to cancel or request refunds, as well as notation that XXXX has an " F '' grade ; and 8. Numerous reviews on XXXX  ( third party review platform ) indicating above detailed behavior.
Consumer complaint received 2016-05-31
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OH)

I am trying to use my credit union 's XXXX solution to send money real-time ( not ACH ) to friends and family. But, all the big banks refuse to accept the transaction real-time. It 's not because their network does n't participate. It 's because they are blocking the real-time ability. My family banks at XXXX, most of my friends have accounts at Chase and they tell me that their bank wo n't allow it because they want other financial institutions to buy their specific XXXX and not use others. I think this is collusion. The top couple large banks are creating a solution that they plan to sell to other smaller banks and credit unions. When you hold such a large percentage of the market, it 's too easy to create these situations that make it difficult for the smaller institutions to perform.