davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

I have XXXX XXXX XXXX XXXX, which are currently serviced by Navient ( approx 5 years with Navient ). When I learned about the CARES act, I called, confirmed it applied to my loans, and got my early XXXX payment refunded. My Navient " dashboard '' currently reads that the interest is 0 % and that I do not owe a payment. 
However, on XX/XX/XXXX I received an email that I had an Inbox message. This is different than normal correspondence with Navient, which usually is just an email saying the amount due. I logged into my account, which still says I don't owe anything and there is a 0 % interest payment. However, the inbox message says the following ( while still saying, at the bottom, that the rate is 0 % ). On XX/XX/XXXX, I called Navient who said my interest is not accruing and that my loans are covered by the XXXX XXXX, but could not explain why the letter was sent to me - they said the president required the letter, but could not explain why it would contain inaccurate information. 
I know that many borrowers would read this as a statement and pay the money thinking that it will continue to accrue. Although I don't know of anyone else who received one, the person I spoke with said " everyone '' got a letter, but didn't seem to understand the letter I received today, and seemed to be referring to the general CARES Act email that was sent in early XXXX. 
MY NAME, interest is accruing while your student loan payments are postponed. Pay a little now and save a lot later. 
We want you to be aware that interest accrues during the forbearance period on your loans. If the interest is not paid as it accrues, it may be capitalized ( added to your principal balance ). 
Remember, you can shorten or cancel your forbearance period at any time. 
Heres the Unpaid Principal and the Unpaid Interest that has accrued as of XX/XX/XXXX : Unpaid Principal : {$39000.00} Unpaid Interest : {$47.00} Current Balance ( Total ) : {$39000.00} Remember : Youre obligated to repay your loans after periods of forbearance expire in accordance with the terms of your Promissory Notes.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Navient, doubled my payments from XXXX to XXXX per month with out authorization. They have said I am on a graduated re payment program. I simply asked for the documentation 4 different times and they will not provide my signature on any document proving I agreed. I had been making XXXX payments and in XX/XX/XXXX they double it to XXXX per month. I disputed this and they lie saying I agreed to it. I have not so while I am making XXXX payments each month they were reporting me to the credit bureau for four months trashing my credit score from XXXX down to XXXX and I can not get a loan at all now. Navient will not correct this issue even thought I have requested it in writing. 
Navient is a fraud and abusive company. I have a parent plus loan I took out in XXXX for XXXX. Navient says I have paid them XXXX. I have paid more than this and they do not report it correctly and say I still owe them XXXX??? Can someone please help me with this elder abusive company. I am a senior and can not afford this and they have fraudantely ruined my credit. Please help
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX VERIFIED WITH THAT A DEBT BELONGED TO ME. I REQUESTED THAT THE BUREAUS PROVIDE VERIFICATION OF THE PHYSICAL DOCUMENTS USED TO VERIFY THAT THE DEBT BELONGED TO ME. AFTER NO RESPONSE I CONTACTED XXXX DIRECTLY AND REQUESTED THAT THEY VALIDATE THE DEBT. AS OF DATE I HAVE RECEIVED NO RESPONSE FROM XXXX. THIS COMPANY NEVER INITIALLY NOTIFIED ME OF THE DEBT PRIOR TO IT BEING REPORTED ON MY CREDIT REPORT
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Well I was a victim of fraud my debit card and my wallet was stolen out of my car along with my cell phone which has no screen lock and way to much info on it to have it fall In the wrong hands. I reported it as soon as i found out my card? missing because i had to buy another phone because at first i thought i lost my phone but ended up being taken. Wells fargo bank put all the blame on me calling me a liar and not fixing my account after I called to report it stolen ... I was treated like a criminal and my money was never reimbursed .I feel wells Fargo needs to give me back my account and my money and an apology. What makes this whole thing wild is I just deposited XXXX and XXXX who does that if he is going to set up his own account to be robbed? Please let wells fargo know they need to remove these account issues please
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AZ)

In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( Discover and XXXX XXXX ) have  refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. Discover was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, Discover refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. Discover has led us back and forth on this fraud claim even when we have tried to be diligent in our response. The court wants Discover to contact them but Discover has not done anything on the case. 

Please note that the account name XXXX be under a different name. My name before my marriage was XXXX XXXX. 

I am resubmitting this complaint because XXXX has not contacted me after I have attempted to call them on multiple
Consumer complaint received 2020-06-03
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. (MO)

I was redirected to a site with a preapproval for Chase Manhattan Bank credit card. I didn't know that my information was auto filled and submitted for this offer. I now have a hard credit check on my credit report and I don't think I should have to be penalized for the mistake.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Fraudulent late fee that resulted from Citi Cards ( Citibank , N.A . ), deactivating the auto pay. Late Fee, XX/XX/XXXX, {$15.00}. 

I called Customer Service yesterday, XX/XX/XXXX, ( XXXX ), spoke to " XXXX '' who stated the Citibank " Automated System deactivated the auto pay on XX/XX/XXXX. " ( conversation recorded ). 

Same exact fraudulent activity Citibank committed with my wife 's card, Complaint XXXX. It is apparent Citibank is establishing a pattern of corporate fraud and theft.
Consumer complaint received 2021-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

This is an update to my original complaint XXXX-XXXX. Mr. Cooper / Nationstar asserted to the Ohio AG that the approved funds were not received, but this is in direct conflict with the correspondence received from XXXX XXXX XXXX XXXX. I am not sure what the problem is, but I need help and neither the mortgage company nor XXXX XXXX XXXX XXXX seem to be able to get on the same page.
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. ()

I am under a debt of 3 credit cards amount total to XXXX/- ( XXXX XXXX  , XXXX XXXX and citibank ) i am under financial constraint from last 6 months, although i used to pay minimum amount due every month i get n number of calls without any reasons. i want to stop this calls as i understand the due is very high but i m ready to repay it in installments still i get calls at any time.i am single mother hence it becomes difficult for me to pay the amount on time. pl help me.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FlexShopper, Inc (MA)

I owe about XXXX before interest on a loan for audio equipment I got a 3 years ago. They have been calling my relatives saying they will show up. I called my sister and she gave me a number to call so I did. They started to tell me I did credit fraud and a few other things and would of have to pay over a thousand for the fine and interest by the end of the day or I would be sued and serve jail time and a few other things. Pluss I would have to pay the legal fees. I have been at the same address for years and have gotten no letter. I called flex shopper where I got the stuff and they gave me the number of the collector there was no answer I left a message and have yet to get a phone call. The other number continues to call family that I don't even talk to and I know they have my number but they won't call or send anything to me. Just threats. I told them to send the bill and I would make payments they aren't hearing it.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

In XXXX of this year, I previously filed a complaint regarding this issue. Ally responded saying an update they had done had caused it and they were working on the problem. It is now 6 months later, and it is still not resolved and when you call their customer service, they claim it is still being worked on. No other bank I have does not post instant XXXX transfers instantly. Ally is the only one who seems to purposely delay deposited funds. Prior to XXXX there was no issue and funds went into my account almost immediately. Yesterday I called in and after being on hold over 30 minutes and spoke to a supervisor named XXXX. He stated their tech team was still working on the issue and he had not gotten an update. When I questioned how he would get an update without initiating the question because he was not aware of my particular problem, he then put me on hold again and supposedly reached out to their tech team. When he came back, he stated their tech team was not aware of an issue. Which to me means they have no intention of fixing the problem. At the very minimum you the transaction should show as pending because each time I have called they can clearly see it on their end, yet they refuse to make the funds available. They have caused items to be returned because of this because they do not have a physical location where I can make a deposit. My instant transfer was complete to them at XXXX XXXX  and they did not post until after XXXX, my time in CA.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

In XXXX of XXXX I started receiving a bill from Sears Credit Card Services, STATING I owed money and to respond within 30 days. I called them and explained I had not been using my SearsCard and there was no way I could owe money. 

They stated that the balance was not from me using my Sears card but a balance transfer from another account. I asked for a copy of their records and they stated they were the collections part of the Sears and only had a record of what the debt was " XXXX XXXX and a dollar amount in XXXX ''. 

I told them this was fraud I paid my bill in XXXX and need them to tell me what payments they received towards the XXXX XXXX. They again stated they were the Sear 's Debt collecting Agency and they had no records of any payment activity only the amount they were to be paid. 

I then called Sears Customer service and spoke with two operators the first told me to pay my bill if I did get my ducts cleaned I owed the money the second which was supposed to be her supervisor stated that I needed to speak with another department. She sent back to collections and to the a different collections representative who put me on hold to review my account and never came back on the phone. 

The Collection Agency continues to call all times of the day and will not listen when I explain I have already paid this Duct Cleaning Bill. They state for me to send in proof of payment which I have but I do not want these crooks to have my routing number and checking account number. 

I have copies of my XXXX check book register as proof of payment. Please make them clear this fraudulent debt, and stop calling me. 

How can a company bill you 3 years after you have paid a bill and add interest and fees? 

Please help.
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I went to school for XXXX XXXX my loan could have been one single loan but the broke it down in like 13 loans so intrested in all 13 loans plus laye free, and when I when back to school in XX/XX/2018 I asked the if the could hold off on some payment for school. Because of work. But no help.
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (FL)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX Account was never past due, I never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. XXXX/XXXX  calls and harass me daily for that unknown debt. I explained the ACCOUNT is FRAUDULANT and not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. I also sent a copy of the FTC and police report to XXXX back on XX/XX/XXXX and they still have not been been able to verify/ validate this debt is mine. They are not coorporating and states that they are willing to take settlements. Now I received a letter from XXXX XXXX XXXX XXXX stating that the account was bought out by them. I filed an FTC and police report with my local police department. I don't know what else to do so I am finally coming to you guys for some guidance please and to file a complaint in regards to unfair and illegal practice by both parties..
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NY)

I recieved a loan consolidation advertisement from XXXX XXXX XXXX thru the us mail. When I called it turned out to be fredon debt relief. The salesmen took my info and told me that I should stop making payments to the cc companies and instead make monthly payments to a dedicated account. He assured me that fdr would negotiate with the cc companies and I would be debt free XX/XX/2019. I was told that a lawyer was not necessary but if needed I should use XXXX I like an XXXX drank the cool aid. 

After two of the cc companies were in settlement the third filed a court case against me. When I contacted fdr I was put in contact with a lawyer from XXXX   who informed me that I would need to make two balloon payments of {$5000.00} and increase my monthly dedicated account payments by over 50 % for the next 20 months. From what I can tell from their dashboard the reason for the increase in deposits was to pay their fees. 

When I objected to these terms with a XXXX lawyer I was told to contact fdr. When I contacted fdr I was told to contact XXXX. One of the XXXX lawyers even told me that due to the size of the debt the bank involved will not negotiate with fdr. The lawyer  for the bank even called me and said I would need a lawyer. 

The lawyer for XXXX told me that I needed to sign an agreement, that my only other option was bankruptcy. When I offered to pay at once instead of a structured settlement I was told I would be paying the same amount. I was never made aware of the ramifications associated with signing. 

I ran into money problems in XX/XX/2019 and was not able to make the second to last payment of the agreement on time. In XX/XX/2019 I contacted XXXX and a lawyer told me I should contact fdr. When I contacted fdr I was under the impression that it would not be a problem. At no time was I told that missing the payment would void the agreement nor was I given any other options on paying. 

When I called an XXXX lawyer for clarity on the matter he told me to contact fdr and laughed at my perdicement. I am being told that the payment plan was voided after the XXXX payment was skipped yet payments for XXXX & XXXX were processed. The XXXX payment was skipped by fdr so they could collect the last of their fees leaving the account short funds to make the final payment to settle the account. w Every time I emailed fdr on this matter I was pretty much told to call their 800 # to speak to a representative.Unfortunitly thats what got me in trouble in the first place. When I ask about what they have done to settle the account I get no answer. When I ask if they contacted the creditor in XX/XX/2019 concerning a late payment I get no answer. When I ask why I was not alerted to the fact that they were going to collect their fees instead of paying my creditor I get no answerXXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MI)

Mailed a debt validation letter to company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Received a letter in the mail stating account was validated with no proof of copy of the written agreement that created my original requirement to pay, did not provide verification and documentation about why this is a debt that I must pay such as last billing statement or any documents with my signature. I sent a follow up letter to the company on XX/XX/2022 which company received on XX/XX/2022 as it shows according to certified mail. Company failed to respond. Checking my XXXX credit report this company has added a collection to my report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 for the same account.
Consumer complaint received 2020-07-08
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/20 Email received indicating credit limit on credit card reduced in half without any indication why, or forewarning. Called CSR confirmed but told to call after holiday for more info. 
XX/XX/20 Spoke with XXXX. She said could affect my credit rating-call # on card. 
Spoke w/ XXXX XXXX CSR ) -Told letter had been sent. Sorry I did not receive, but Chase decided anyone not using card enough would have credit limit slashed in half. Would not affect credit. No mention of 30 day option to stop action. 
Spoke w/ XXXX XXXX ( supervisor ) Told letter sent had ability to stop credit reduction if responded to within 30 days. Told could affect my credit EVEN IF I STAYED WITHIN THE SAME RATIO OF CREDIT USED AS A PORTION OF TOTAL CREDIT AVAILABLE. I asked considering never received letter and they email me all the time whether they could reverse the reduction. XXXX said no and I requested to speak to his superior. After a long time on hold he told me a colleague not superior could get back to me in five business days. 
I have had excellent credit ( 800 plus ) w/ no infractions my whole life. I am furious that this could affect my credit rating as a result of nothing I did to cause it. I am very frustrated with Chase for putting me in this position.
Consumer complaint received 2020-01-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on DPEDXXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.