davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Coastal Credit, LLC (VA)

Coastal Credit at the end of my loan term stated that I owed an amount of approximately {$230.00}. I continuously asked for a payment history and options to pay this amount as the business was no longer from my understanding in Virginia. I called Coastal Credit several times without success to receive this information. I became very ill and lost contact with this company. I then begin to receive calls advising that the balance had gone up to over $ 16K which is basically the amount paid for the vehicle. This amount I am told is interest, including late fees and charges assessed for an Attorney. 
Had Coastal Credit and namely an employee by the name of XXXX XXXX given me the information I requested various times rather than tell me to contact their attorney and when I asked for the attorney information then advise me that he could not give me that information that I would need to get it, this could have been rectified. 
Today XX/XX/XXXX I was transferred to an individual by the name of XXXX that advised me that I was taken to court in XX/XX/XXXX and they received a judgment for $ XXXX I called the court the courts state there is a document signed by me, yet I did not appear so who signed this document. Then XX/XX/XXXX someone by my name came to the court and filed an exemption to stop a garnishment, that is not possible as I was injured at my job XX/XX/XXXX and then back and forth to physical therapy so I again could not have appeared in court for this either. This situation has me very confused and very stressed. I am going to the courthouse to obtain these documents that I supposedly signed. My main concern is how a company can take such a small amount owed and turn it into another vehicle purchase price amount. I now have another court date on XX/XX/XXXX in regards to this situation and the fact that I have not made any payments. Their lack of honesty and lack of providing a running statement that shows beginning balance and credits has proven to be very questionable.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck on XX/XX/XXXX.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am currently trying to remove things from my credit by disputing them. I noticed on transunion things fell off then got added back. When I called customer service and asked questions the lady was very rude and refused to help me. Attached is a screenshot of the stuff removed and put back on. Thank you for your time.
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (FL)

On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I have since filed a claim with both XXXX XXXX XXXX and Midwest Recovery Systems. Stating that they would look further into the situation. According to my credit report they have not removed the defaulted information or have they put the claim is as a dispute it now appears on my credit report as a collection and 30 days past due. This needs to be taken care of immediately. I have reached out to both companies and neither company has returned my numerous phone alls. At this point it is fraudulent activity on my credit report. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. XXXX XXXX also sent this account to this collection agency. XXXX XXXX XXXX has been moving this account around from one collection Agency to another, even after they have acknowledge the account has been paid in full. This is fraud. It is currently causing me a hard ship in receiving a mortgage. The file submitted below has already been sent in to the CFPB however it has never been addressed directly by XXXX XXXX XXXX in Conjuction with Midwest Recovery, only the former debt collection Agency.
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I was informed in XX/XX/XXXX that after working for the federal government since XX/XX/XXXXthat my loans on this sequence were not in the right loan type and my loans would have to be consolidated for them to be qualified for PSLF. This is the largest portion of my student loans. I was never told that my loans were not in the right format despite submit employment certification forms ( ECF ) to seek loan forgiveness. 

In XX/XX/XXXX I proceeded to consolidate my loans in the right format. XXXX XXXX XXXX accidentally consolidated ALL of my loans wiping out the payments I had made from XX/XX/XXXX to XX/XX/XXXX. I spend hundreds of hours on the phone with XXXX XXXX XXXX requesting that the consolidation be reversed and corrected. This caused my payments to be placed on a forbearance while XXXX XXXX XXXX sorted out their mess. I was not provided the opportunity to make any payments during this period. 

I also timely re-certified for a new reduced payment amount to be calculated for my entire student loans. This was to be applied once the loans were pulled apart and in proper format. 

After contacting XXXX after a XXXX XXXX XXXX complaint, they provided me with a print- out that simply states that the majority of my loans were on an administrative forbearance during the period of XX/XX/XXXX until XX/XX/XXXX and a reduced payment forbearance, which was not requested by me from XX/XX/XXXX to XX/XX/XXXX. I was not afforded the opportunity to keep paying my regular amounts. This applied to loan sequence 3, 4, 5, 14, 15, 16, 17. This was the period that XXXX XXXX  XXXX was rectifying their error. 

My loan sequence 18 and 19 show an ICR/IBR forbearance for XX/XX/XXXX to XX/XX/XXXX and a second General Forbearance during XX/XX/XXXX to XX/XX/XXXX, again not requested by me and for a ten-day period that makes no sense. 

XXXX XXXX XXXX by electronic correspondence dated XX/XX/XXXX, a representative of the company reached out and told me after a review it seemed that a processing error was discovered for my loans disbursed in XX/XX/XXXX meaning loan sequence 3, 4, 5 and that I would be credited an override for payments of XX/XX/XXXX and XX/XX/XXXX if I paid an amount of {$410.00} within two months. 

It makes no sense to me why these three loan sequences are being offered an override when all of my loans were handled in the same manner. The error should apply to all of my loans. 

Loan Sequence 18 : {$18000.00} Loan Sequence 19 : {$92000.00} It is unfair that 1 ) I was not informed of the " correct loan type '', 2 ) I am not credited for the months XXXX XXXX XXXX took to process my new re-payment plan 3 ) That all of my loans are not covered equally for PSLF purposes.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AK)

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (MN)

XXXX XXXX XXXX XXXX XXXX XXXX issued a garnisment of my wages in XX/XX/XXXX. They have been taking 15 % of my income since then. At one point they offered a repayment option to stop the garnishment ( XX/XX/XXXX I think ). However that repayment plan had a clause that said if you were late with XXXX payment you were back in default. I opted not to take the plan. In XX/XX/XXXX my employer took out the last payment to Great lakes. On XX/XX/XXXX I got a letter stating I still owed them another {$3000.00}. ( The amount has actually gone up since the date of their letter. ) The original garnishment was for {$20000.00}. Since then I have paid them roughly {$22000.00} and now they want XXXX more for a total of approx {$25000.00}. ( It will actually be higher as they are adding XXXX plus dollars to the bill every month ) I can not make my house payment and other monthly bills going forward as they are taking XXXX dollars from each paycheck.
Consumer complaint received 2018-02-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (MD)

I hit a hard time with finances when my husband got into some trouble and was unable to make payments on my loan. After that I forgot about it until I received a phone call today that I was being served with a civil complaint and that the amount was over {$1000.00}. 

I went back and contacted the original lender today and was told that the debt was sold and was given the new debt buyer 's information, which is XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MS)

I received a message alert about updating income for my Chevron XXXX XXXX Visa from Synchrony Bank but I can't get verified cause the website doesn't recognize my phone number I have had for 30 years. It is the number i use on my account, ( see attachments ). So I can't update the income information for that account until I can have access to my profile. The problem is I can't receive a text or phone call cause when I input my phone number, I get a message stating the system doesn't recognize my phone number, so I can't get in to update what Synchrony Bank wants me to update.
Consumer complaint received 2016-05-26
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION (OR)

Case Subject : FAILURE TO PAY PROCEEDS IN A TIMELY MANNER Case Description : MY CD MATURED FRIDAY, XXXX/XXXX/2016. AS OF TODAY 'S MAIL, XXXX/XXXX/2016, I HAVE NOT RECEIVED MY MONEY. ON XX/XX/XXXX I CALLED THEM TO INQUIRE AND TO CLOSE MY ACCOUNT. ON XXXX/XXXX/2016, TODAY, I RECEIVED MY {$5.00} FOR CLOSING ACCOUNT DISPUTED AMOUNT : {$10000.00} DESIRED RESOLUTION : SANCTION OR FINE THEM. THEY HAVE OVER {$10000.00} O MY MONEY TO EARN INTEREST ON FOR THEM, NOT FOR ME.
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (MI)

The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.
Consumer complaint received 2018-02-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (AK)

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX, Navient XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Consumer complaint received 2018-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

I recently read AES has the second highest complaints of all loan companies, namley charging more in interest. This article prompted me in scrutinize my own arrangement to which I discovered that more often than not the majority of my monthly payment is put toward accrued interest. In total, I've paid XXXX toward my loan but only XXXX has gone toward principal. How have I paid this much money and have only paid off XXXX? 

Very few times was there more applied to principal than interest, I was often charged $ 20-50 or more in interest. There was even one payment that only applied {$9.00} to principal out of a {$170.00} payment. These monthly payment minimums are misleading as it doesn't say how much gets put in each month, the amounts are always different, and you can't edit to pay different amount. Who's to stop an extra payment from going totally to interest when you're not given the opportunity to express this? 

I believe my account needs to be fully audited and I demand some action be taken, this is criminal.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NH)

My wife and I opened an account with Chase Card Services in XX/XX/XXXX. We have used the card continuously for 25 plus years. We enjoyed a variable rate of 10.49 percent which change whenever the prime interest rate goes up. On XX/XX/XXXX we were notified that the rate would be changed to15.49 percent because " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts. '' We have until XX/XX/XXXX to accept or reject their mandate. 

We have an excellent credit rating ( XXXX ) and have never been late. We are now retired on a fixed income and I am approaching XXXX years old. This action by Chase seems illegal since we agreed to one APR and now they are changing it unilaterally. My question is can they do this? Could this be an example of age discrimination?
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (CO)

Hello, When I was a XXXX in XXXX XXXX, before my XXXX birthday, my XXXX XXXX   signed me up for a XXXX level class that I took online. Years later, I find the debt for the class on my credit report and am receiving bothersome calls from the collection agency. I never signed an agreement, but even if I had, I wasn't old enough to make an agreement to pay. I was in the public education system and I wouldn't have been able to consent to paying for a class. The debt collector is calling me constantly, has never provided any proof that I needed to pay or consented to pay for a class. I thought my school would pay for the class. My parents never signed an agreement either. Please help me if you can.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IN)

There is a very strong case of fraud with what is going on with my loan account with Infinity Financial Services. I have been making over payments on my account and was told that the excesses would be applied automatically applied to my principal. This as been going on for some time. I realized however that these were not being applied and called their customer service 3 weeks ago. After discussing with a supervisor, my excess payments were calculated and she informed informed me that this would be adjusted to my principal and that I should get an updated balance but my payment due date would be adjusted to the current month. The statement balance was $ XXXX as at when we spoke. No adjustments were made after 4 business days, so I made another call. This time, a supervisor again, insisted on a different approach. He said he was going to apply my current excess payments ( $ 1900+ ) to my principal, rather than work it all back, and I should see the adjustment on the account within 2 days. I did see an adjustment 2 days later to be exact, my pay-off amount was adjusted to $ XXXX, when I calculated it, it was an adjustment of $ XXXX ( note that I did not record exact figures because I did not have a reason to be suspicious. Surprisingly, 4 days later this is again now re-adjusted to $ XXXX and my payment date remained the same. You talk about different answers or manipulation of figures, this is what is happening.