davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (KY)

I booked a vacation with XXXX through a program called Upromise. I did this because the program offered 5 % back from Upromise and 5 % additional back for using the same branded Upromise Barclays MasterCard. The vacation took place XX/XX/XXXX. All I have received so far is 1 % back. I have asked Barclays Upromise about the issue and they have stated for six months " we are waiting for XXXX to respond. '' I have been patient and waited until this week to file this complaint. 

It appears to me the problem is we changed the reservation by cutting off a day. The XXXX representative over the phone instead cancelled the reservation and hung up once he realized the mistake. Subsequently we spoke with a supervisor on another call who was able to patch things up. This does n't change the fact we used the program and did not drop the ball, the representative did and we still paid with the card and stayed at the same place as we agreed originally. The reward offer did not specify a minimum dollar amount or certain days required to stay. We simply had to use XXXX and pay with the UPromise MasterCard. This is only a guess on my part, as the only thing I have been told is " we are waiting on XXXX to respond. '' I would like to get this resolved since I used these programs to book because of their offer. They have had ample time to sort this out. If I had used another card for the trip, I would long ago have received the reward, as I have several cards that have never once left me out in the cold like this.
Consumer complaint received 2016-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Maury Cobb, Attorney at Law, LLC (LA)

This collector uses robots demanding that I call regarding an unknown debt, then, on the few occasions when I have spoken with someone, has become threatening and abusive regarding the alleged debt, refusing to provide the information necessary to properly identify which debt is being referred to, and, on both occasions, disconnecting the call. An internet search reveals hundreds of lawsuits and other complaints regarding this collector 's tactics -- so apparently this is their modus operandi rather than an exception to their standard business practices. 

It is more than telling that the name of this company, Maury Cobb, appears immediately in the drop-down box as a menu item in the " Company Information '' section of this complaint form. The abuse by this company is obviously a well-developed habit.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

Hello, I saw a news article XXXX I never knew about your agency for filing complaints. I got the runaround dealing with my student loans and thought you should know how extensive the practice of cheating borrowers is/was. 
XXXX Sent : Friday, XX/XX/2013 XXXX Subject : NelNet email sent via NelNet web site My loan was paid off in full. In fact, NelNet owes me a refund of MORE THAN {$750.00} dollars which was sent to NelNet by the prior loan servicer, after the loan was transferred because the prior loan servicer did not apply my payment to the correct loan. I just found out today that although my loan is fully paid off, that NelNet took $ $ from my checking account on XX/XX/2013 in the amount ot {$86.00} causing me to have returned check fees and unpaid checks that I had proper funds to pay before NelNet took money they were not authorized to take. What is going on??? I want my refund, and I want a letter to explain to my bank so my return check fees can be adjusted accordingly. 
XXXX Complaint lodged with Ombudsman for Federal Student Aid XX/XX/2013 My loan servicer used to be XXXX. I sent {$2000.00} to pay off loan XXXX and instead they paid off loan XXXX and wrote REFUND DUE since the {$2000.00} way exceeded the amount left on that loan. Then, I called them to request they apply it to the correct loan. They said that they would, and instead TRANSFERRED the loan to Nelnet. After they transferred the loan, at the WRONG interest rate, they verbally informed me that they sent the REFUND DUE amount of {$750.00} to Nelnet. Nelnet claims they have not received it. I paid off the complete balance that Nelnet claimed in full and total. So, although they still owe me money back, Nelnet took an automated payment out of my personal checking account in the amount of {$86.00} on XX/XX/2013 causing bounced checks and return check fees. ( ACH Transaction - DEPT EDUCATION STUDENT LN {$86.00} ) My account is way overpaid and they 're still taking funds? I have contacted Nelnet on more than one occasion to no avail. Please assist me in clearing up this matter. 

Thank you. Your request has been received by the Ombudsman officeXXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (OH)

My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.
Consumer complaint received 2017-02-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Portfolio Recovery has not fully addressed my issue of validating the debt they seek to collect. They have provided a total of three statements which do not display how the final balance was accrued. I paid this account in full via ACH payment with the original creditor, prior to closing the account due to billing disputes, unauthorized charges, and dissatisfaction with the company 's level of customer service. In the statement printed XX/XX/XXXX it displays a balance of XXXX. The final bill printed just 4 months later ( XX/XX/XXXX ) has a balance over 3x as much as the balance in XX/XX/XXXX but there are not any statements in between these dates. The company has failed to properly validate this account to collect the amount they are attempting to collect. 

Additionally, the company is violating the FDCPA by re-aging this account from the date they acquired it versus the date that it was originally opened and the date the original creditor reported as my last payment. XXXX reports this account was opened in XX/XX/XXXX and the last payment in XX/XX/XXXX, however ; the debt collector is reporting the account was opened in XX/XX/XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

When I asked about lowering payments Navient advised that I could reduce payments or take advantage of forebearabce but never explained how this would affect the loan and or interest associated with loan. In fact they almost insisted I take the forebearance every time I asked about my options. Navient did n't inform me of any deadline or proper documentation either. I feel as though a Navient did n't have my best interest in mind when assisting me with my loan. Disappointing! This has also impacted my credit dramatically as the fees and interest are way out of control.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I scheduled a credit card payment for my Costco Citi Visa Card to be paid on XXXX XXXX, 2017 in the amount of {$6700.00} which was the statement balance on the card. On that day, XXXX XXXX, 2017, I received an email from Citi stating, " We reduced a recent payment of {$6700.00} to {$3900.00} from XXXX XXXX, 2017. When a payment exceeds an account 's balance, plus 7.5 % we reduce the payment to the balance on the day we withdrew the funds. I immediately called Citi card processing to inquire about the e-mail and actions they 've taken. The representative I spoke to expressed that {$6700.00} will be debited from my checking account as that was what I scheduled. On XXXX XXXX, I noticed that Citi debited my checking account for the {$6700.00} and the {$3900.00}. Per most recent statement, I was only required to pay the statement balance of {$6700.00}. I called Citi again to figure out what happened and to get my money back as I did not authorize the payment of {$3900.00}. I demanded that I get the {$3900.00} back and the representatives told me that I wo n't get my money back until 3-5 business days. I got passed around to 3 or 4 the Citi representatives until I spoke with a lady named XXXX XXXX who claims that she is the Executive Analyst with Citi Credit Card. She said that she will file a claim on my behalf and make an effort to get my money back soonest. She said that she will reach out to their refund department at her level to " escalate '' the issue. All of the representatives I spoke with agree that it was not my fault as I scheduled a payment for the statement balance and their system somehow collected an extra payment. I XXXX XXXX to give me an update soonest via e-mail ; I have not heard from her. Long story short, Citi took funds from my checking account without my authorization even after I spoke with their representative to ensure that only the payment of {$6700.00} get debited in my checking account and they wo n't give it back until 3-5 business days.
Consumer complaint received 2017-01-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (FL)

Recently I stayed at a hotel in XXXX XXXX. The hotel generated XXXX authorizations from the American Express Serve Card, XXXX for {$310.00}, XXXX for {$90.00}, XXXX for {$180.00}, and XXXX for {$23.00}. Upon settlement with the hotel, I was billed XXXX for the XXXX authorization and XXXX for the XXXX authorization, which left a XXXX balance with the hotel. The XXXX authorization and the XXXX authorization remain on my Serve account, which went into a negative balance. After a direct deposit was processed XXXX dollars of my money is inaccessible. 
After contacting the hotel, the hotel contacted their third party credit card processor, XXXX and XXXX XXXX. The third party processors had no record of the remaining pending authorizations, they were cleared from their system after the hotel was paid in full. 
American Express Serve, however, continues to hold the money, and states that they can not remove the authorizations manually. American Express Serve also states that these " orphaned '' authorizations will drop off systematically after 30 calendar days. 
The hotel has contacted American Express and requested that they clear the authorizations, which American Express stated they did. Yet, the Serve account still shows the holds in place. 
American Express Serve states that they are powerless to rectify the circumstance, and that I will just have to wait until XX/XX/XXXX to regain access to my money.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (NY)

On Tuesday, XXXX XXXX, I received a letter from Wells Fargo dated XXXX XXXX stating they had found unusual activity in my account and that my account would be closed if the activity continued beyond receipt of the letter. I immediately discontinued use of the account, but on XXXX XXXX, found my account was closed and pending credit card rewards confiscated anyway. I made several calls to Wells Fargo to try to reopen the account to no avail. 
On XXXX XXXX, I received a letter, dated XXXX XXXX, congratulating me for being a top tier customer and providing enhanced rewards. According to the letter, under this reward structure, " XXXX points has a {$520.00} value ''. Wells Fargo confiscated XXXX points. Based on Wells Fargo 's valuation, these points have a value of {$26000.00}.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KS)

Navient reps told me there was no way to lower my payment multiple times on the phone. I was told another time when I inquired if they could be lowered because I now had a XXXX dependent nephew living with me full time and relying on me 100 percent for support that adjusting the number in my household would make my payment go UP. I was told I could take forbearance which I have had to several times due to my new dependent and the strain it caused on my finances. I was not informed until recently many of the payments I had made were not going towards time on IBR plan.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Green Tree Servicing LLC took over my mortgage in XXXX, XXXX, from XXXX. Since then, I was charged monthly " payment '' fees of {$12.00} per payment, and there were several payments made automatically out of my banking account without my direct authorization for those payments, resulting in overdraft fees, in some cases. There were also a few payments made where I questioned the proper application of payment credit towards the principal amount vs. interest. Upon inquiring about these discrepancies to their customer service, they said they would " get back '' to me when they have completed their review, but they never responded back. 
For the record, I have been under extreme financial stress throughout this period of time with Green Tree and I was late on payments at times. Green Tree collection representatives would repeatedly call me at all hours of the day and evening, with high pressure and often " contentious '' dialogue, to compel me to make a payment, forcing me at times to make a payment without having funds immediately available in my bank account, but they did not care, even after telling them that funds would not be available, and they still processed the payments, resulting in further overdraft fees. 
From XXXX XXXX until about XXXX XXXX, I went thru this horrible experience with Green Tree. Ditech Mortgage has since taken over my mortgage account, so far, seems to be more pleasant to deal with but I am still upset with what I went thru with Green Tree. I recently heard about a settlement the CFPB had with Green Tree and I would like to be included in that collective group of customers harmed by this company. Thank you. XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

Had a gentleman call me and fed me a whole line about my student loans didnt properly let me know how much I owe and told me that he would fix it where i would not have to pay and interest would go not ho up but infact all of the information mislead me in so many different ways. I dont feel like I was helped in any way actually only lied too
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I have been set up to repay based on income several times and it always seems that either paperwork does n't get mailed to me for deadlines, payments have been taken out twice, payments have n't been taken at all resulting in me having to start over in the rehabilitation programs, I was hounded before I even graduated, and they are saying I owe way more than borrowed. My student loans are double the cost of what school was supposed to cost me.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC (CA)

I am disputing a collection debt from JH Portfolio Debt EQ ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with JH Portfolio Debt EQ. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is XXXX whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting JH Portfolio Debt EQ to you so as to warn others about the illegal practices of debt collectors.
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Complaint XXXX XXXX : Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, 1. Bank issued me a XXXX XXXX XXXX XXXX upon which I obtained loan in the amount of about {$15000.00}. The balance as of XXXX XXXX, XXXX was {$16000.00}. 

2. Chase Manhattan Bank assigned the debts to an XXXX XXXX XXXX XXXX without any intimation to me. 

3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX, XXXX for {$35000.00} and interest. 

4. The affidavit of merit does not contain any evidence of proof of claim. Neither Defendant 's account nor copy of the Assignment is annexed. 

5. On XXXX XXXX, XXXX XXXX income execution was levied for {$38000.00} which included interest of {$500.00} and compound interest which was illegal. 

6. On XXXX XXXX, XXXX I made an Application XXXX to the Court to vacate the judgment, to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX, XXXX the XXXX was granted only to the extent that the income execution was stayed from the date of the Order. 

7. On XXXX XXXX, XXXX, I filed XXXX subsequent XXXX 's to vacate the judgment and income execution on the ground of non-service of Summons or any document in this action which met with the same fate. This time the claim had increased to {$45000.00} and was denied. 

8. Appeals to the XXXX Court were also denied because they were not perfected as I filed XXXX as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. Interest@30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor, working for free of charge for Assignee. I have paid more than {$50000.00} but the amount continues to increase. No satisfaction of the Judgment is recorded for the payments obtained from me after the judgment. 

10. I Appeal to you to hold an enquiry against all the parties, take appropriate action, cancel their licenses after hearing and discharge the claim against me as fully satisfied. I am prepared to place these facts by affidavit and also testify to the facts mentioned above and produce all documents in original. I can send you my Complaint in detail by mail because my electronic complaint is restricted to XXXX spaces.
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

The prior owner sold her property @ XXXX XXXX XXXX on XXXX/XXXX/XXXX ( Legal : XXXX ) ; she had refi 'd 2 of her properties ( this XXXX & XXXX XXXX XXXX ) at the same time with BOA in XXXX XXXX ; both new dot 's had the same legal attached ( from the XXXX XXXX XXXX ) ( XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX & XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX ) ; Title Company & prior owner have made numerous phone calls to BOA starting the beginning of XXXX XXXX to have them do a Partial Release on Lot XXXX, but instead they did a Corrected DOT-correcting the legal description to XXXX ( recorded XXXX/XXXX/XXXX @ Rec # XXXX )
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I have a great amount of debt with Student loans. I have loans that were XXXX XXXX and now Navient. Ialso have Student loans from XXXX. My loans are over XXXX. I went to University XXXX and received a XXXX. However, I couldnot afford to pay almost {$400.00} a month living in the XXXX. The reps advised me to get a defferment The interest rates are high now. No one advised me of other alternatives.I lost my job and some someone told me about XXXX payment plan years later which I am on because Im not employed but what about all that interest that accured. No one is never willing to explain to you other options but defferment.I would like for my loans to be forgiven..the world states University XXXX is a fake college but ... i paid all that money ... student loans but no job ... I live with my XXXX mother my credit has been messed up.dealing with student loans and tjey say they are not going to report ... they lied ... they harass you, they say they want to help you..but all lies. They misinformed me how the payments would be afforfable.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

I applied for loan forgiveness under the XXXX option. I provided documents showing that I became XXXX in XXXX and had a review in XXXX. Accordingly to the description for applying, under XXXX-one has to be XXXX at least 5 years, which I provided documentation proving. I was repeatedly told " this information is not sufficient ''. I was asked to get a specific printout, from social security. I did that and was told " this information is not sufficient ''. I provided everything that was required, I am a XXXX individual and was denied discharge.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I received student loans in XXXX and XXXX. {$8000.00} that started a Dept. Of education and moved around do many times I ca n't remember. Each time more and more money, penalties, interest added. 
I have been at Navicat since XXXX my loan ballooned to {$20000.00}. Today it 's {$23000.00}. 
I have been unemployed off and on in XXXX to XXXX, XXXX to XXXX, XXXX to XXXX. Unemployed all of XXXX. 
Laid off XXXX XXXX. Just started back in XXXX XXXX. 
Why has n't my loan moved and it grows XXXX a year. That 's more than interest. 
I have paid the {$8000.00} and then some. This madness needs to stop.