davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: WALDEN ASSET MANAGEMENT LLC (Closed) (CA)

This complain covers unlawful representation, communication and improper contact and making threats of illegal action. All of the above. I do n't know how they contacted my family or friends, or how they knew who they were. Several times these people have called several XXXX times a day, and have called my parents and other friends and contacts misrepresenting who they are, stating that I am in legal trouble or other miscellaneous false information they have my ss security number and that I 'm going to be arrested, or some other bogus information to try and obtain information about me. They also state there is legal issues pending and I must call them or report a certain case number to them. This is obviously for some debt of which is invalid and they are threatening family and friends and using scare tactics.
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. (MI)

I went to school through XXXX university with them saying what great opprotunities I would have to use my degree in XXXX. Once I graduated and realized I could not use my degree in my field through there school I tried to go back to school for a different degree but most of my credits would not transfer to a different school. After I was out of school my ones have went through XXXX XXXX and now Navient and I am currently on the income based repayment loan for the past year. However my loans for school that I can not use my degree is growing nterest and I will not be able to pay them with this option the offer with all the interest they add on. My loans went into forbidden e when it switch over frthe m XXXX to navient and I was not contact. I have several student loans from navient fed loan and dept of ed on my credit report and is hurting my credit and all seperate XXXX total loans and therefor can not even get a home for my family due to even when I dispute these they come back mine. While I was a n school they never told me how many loans I would need to take out or the interest I would have to pay and how it would ruin my chances of providing for my family using there school to get my degree because nobody will hire so, done for the XXXX in there school. I haven been given a run around trying to get my transcripts and contacting the school which is not listed in your down list below so I click the closest campus even though I did not go to a campus I attended XXXX online
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. (NY)

Navient owns XXXX different student loans of mine ; XXXX federal and XXXX private. I called to request a lower payment option as they were increasing my monthly payment significantly, and they would ONLY lower my payment if I would agree to a graduated repayment plan that will increase my loan payment by 400 % in two years. I requested to extend my loan terms in efforts to negotiate but I was told that because my loans did not total {$30000.00}, they could not extend the terms. My loans currently total XXXX. I was {$200.00} under this magical {$30000.00} mark, and they refused to assist or make an exception. I waited on hold for XXXX hours to " resolve '' the issue and this was the only way I was informed that I could make my loans affordable.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have contacted Loan Care about payments I have made not being applied and they are now reporting late payments to the credit bureaus and are ruining my credit. I have contacted them multiple times and they have now applied my payments but not according to the dates I paid them. They will not issue me a letter or correct their false reporting to the 3 bureaus ( they said I have to send them my credit report to show them ). They are also not applying the payments I made correctly. They applied some to principal and not enough to escrow. I have been hung up or disconnected on the phone by them 3 times and they never have a supervisor there to speak to me.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (VA)

I decided to accept a " 0 % interest for 18 months '' promotional offer from a retailer for {$2700.00} worth of new carpet for my home. The financing was through a new credit card from Synchrony Bank. When the first bill came, I set up automatic online payments, but miscalculated the monthly payment necessary to pay off the full amount in 18 months ( {$98.00} vs. {$150.00} ). After 19 months I received a call from Synchrony that my payment was late, and that 's when I noticed the error. I paid the remaining principle immediately, but now have to pay {$1200.00} in deferred interest ( 29.99 % APR ). I realize this is my mistake for making monthly payments less than that required to satisfy the promotion terms. I did a little research and found that this happens to about XXXX in XXXX people who sign up for these deals. I feel the whole practice of offering a program designed to slam the 20 % of people that get tripped up is predatory and slimy. I also found out that Synchrony bank ( formerly GE Capital ) is XXXX of the largest banks offering credit on behalf of retailers selling big-ticket items like carpet and appliances. It 's a multi-billion dollar business for them. I called Synchrony and talked to XXXX different customer service agents, offering to pay the 30 % APR for the two months since the promotion period ended, but received no consideration. I was told that since I accepted the initial agreement, I should have known the consequences. I feel like a fool for even falling for such a risky proposition. I just hope others will learn from my mistake and avoid Synchrony bank offers for exorbitant " deferred '' interest rates which are effectively land mines hoping to catch consumers off guard.
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

I do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation (SC)

Due to accounting errors with PHH Mortgage, my account was erroneously placed into foreclosure I have obtained an attorney and have made numerous, concerted efforts to work out the issues through mediation and have provided both a deposition and a loan modification request. 
The loan modification was mailed - with delivery confirmation - on on XXXX/XXXX/16 and contained all requested information. 
There was no response to the loan modification request. On XXXX/XXXX/16, I received a " Notice of Sale '' for my property, with a sale date of XXXX XXXX, 2016.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Our XXXX XXXX was stolen this year from out home. Our insurance company XXXX paid out all but {$2600.00} of the remaining balance on the note held by Capitol One Auto Finance. 

Capitol on sent us correspondence stating that the balance would need to be paid by XXXX XXXX in XXXX. We arranged a monthly debit of XXXX to pay down the balance and to pay the remaining balance due by the end of XXXX XXXX. Capitol one would not put this agreement in writing. To date, we have asked them if we can extend the payments through XXXX and pay the remaining balance by XXXX XXXX XXXX. They tell us there is nothing they can do. And they will charge off the account by XXXX XXXX if we do n't pay in full. They also deleted all account information on their website. We fully intend to pay the balance in full but need some extra time.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I signed up for a CapitalOne card in XXXX, 2014, but somehow CapitalOne recorded my social security number incorrectly. Because ones social security number is required as confirmation to access your account to pay bills online and to speak with customer service representatives, I was unable to access my account to make payments until finding the time to complete a 2-hour phone call in XXXX, 2014 to correct my information. During this period, I missed 3 payments because I could n't access my account. I believed that these late payments should be removed because I was unable to access my account due to a mistake by the credit card company. 

I contacted CapitalOne to remove these late payments from the credit rating agencies ' records, which they said they would do. However, upon checking a month later, I found out that CapitalOne had not disputed the late payments, but instead had confirmed them to the rating agencies and preemptively filed a dispute correction. When I asked for them to send me a copy of the
Consumer complaint received 2017-01-19
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

I received a call in XXXX wanting to verify my information for a loan that was attempted or done using my personal information. I said I did not apply for a loan and not to approve it. I filed a report with the local police department, contacted the credit agencies, sent a letter to the company via USPS and then again via XXXX and have not received any response to my letters.
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. (NJ)

Navient has made it hard to repay my loans due to the large re payment amount. When calling to get a better repayment schedule none available. Which is why Im force to postpone payment due to forebearance. Their has to be a better system in place.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

On Friday XXXX XXXX 2017 I reached out to Pro Collect debt collection agency to pay off a XXXX debt that was showing on my account. Prior to this I was applying for an apartment however upon submitting the application I was instantly denied due to have XXXX broken leases. When I first reached out to Pro Collect they informed me that I had XXXX accounts in collections one for the XXXX which was {$1000.00} and one for the XXXX for {$500.00}. So when I contacted Pro Collect on XXXX XXXX 2017 I clearly informed the representative that I was only going to pay the {$500.00} plus {$7.00} fee to process the order so that account would show as paid. She asssured me several times that once I paid the amount of {$500.00} that the account for the XXXX would be removed and I would receive a confirmation email within 72 hours. I paid the amount and was even given a confirmation number. By Tuesday XXXX XXXX 2017 I had not received any sort of email confirmation. So I once again called back to Pro Collect and the next representative informed me that my account was not showing as XXXX separate accounts and that the amount had to be paid in full for me to receive any confirmation email that my account was paid in full. Even though I did pay {$500.00} the XXXX account is still showing in collections and in order for me to have it removed I would have to pay the {$1000.00} in order for the XXXX account to be removed
Consumer complaint received 2017-01-19
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/XXXX I 'm disputing Navy Federal Credit Union 's ( NFCU ) response in denying an interest rate reduction for my VISA Go-Rewards card. As I previously indicated - I 've been a NFCU member since XX/XX/XXXX. They indicated that their denial was based on their review of my current and past credit history with them. I 've had mortgage loans with NFCU since XX/XX/XXXX and have never made a late mortgage payment and never defaulted on a NFCU loan. Over the years I 've paid off credit cards, car loans and other personal loans with NFCU without late payments. I did not want to pull this card, but I 'm XXXX and NFCU knows this. Over the years I 've had to appeal and dispute loan and mortgage denials from NFCU. In XXXX XXXX, my husband obtained a car loan for a XXXX XXXX XXXX with an interest rate of 1.99 percent. After the car loan we attempted get a lower interest rate or consolidation loan for our credit cards but was denied unless we used the XXXX car as collateral. My husband and I agreed to use the car to secure the consolidation loan which also included the car loan amount and was promised in XX/XX/XXXX by XXXX XXXX ( NFCU representative, XXXX, ext XXXX ) that the interest rate would remain 1.99 percent. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, Assistant Manager ( NFCU representative, XXXX, ext. XXXX ) and he said that he could only give us an interest rate of 5.5 percent for the consolidation loan - not the 1.99 percent that was originally promised. We have been paying the consolidation loan since XX/XX/XXXX and have never made a late payment. I worked for a short time for NFCU XX/XX/XXXX and found that they had a bias in the lending practices with XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I asked to switch my monthly payments so that the higher amount due would go to the smallest loan so it can be paid off faster and was told no they cant i can do it myself but will be responsible for late fees or the loans paid in full.. I told them I would still be paying the same amount each month and was told theres nothing they can do to override that in their system. Also XXXX switched companies to navient with out my consent when asked if they will still contribute to u promise i was told yes but navient didnt link to upromise i also went from a fixed interest to variable and now my monthly payements keep rising even though ive called multiple times because i cant afford to pay. their suggestion was to extend term of loan, but that will only result in paying more in interest over the course of the loan.
Consumer complaint received 2017-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Hello, Plus Four continues to attempt to collect a debt that is not valid. I have contacted Plus Four to request a name of number of person I can verify debt with and they have failed to provide such. 

They also continue to provide this inaccurate information to both XXXX and XXXX.
Consumer complaint received 2016-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kohn Law Firm S.C. (AZ)

On XXXX XXXX, 2011 the Kohn Law Firm S.C of XXXX, WI on behalf of XXXX XXXX XXXX, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and XXXX have had complaint and action take against them in last year about how they handle debt collection.
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. (SC)

I applied for the income driven program during the process of a year with not having any payment due, my interest rates accrued at a ridiculously high rate. After calling several time inquiring about the rates they said that it was nothing that they could do. They are very rude and not willing to help. I asked them about the option to work on payin my bill down and they basically offer m rte ft paying {$150.00} for month and XXXX for the remainder months.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is continuing to report XXXX accounts have been recently deleted due to no/cancelled contract. Disputed via phone as well as fax and online. 

1. XXXX # XXXX 2. XXXX # XXXX
Consumer complaint received 2017-01-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (CT)

on XX/XX/1997 I closed a Savings Certificate Passbook with an XXXX and had the bank issue me an " official bank check '' for the amount of {$1700.00} payable to me. I took the closed passbook and the bank check and placed it in a safe deposit box for a rainy day. I came across this check recently and I called the bank, explained the situation and was told by a manager that XXXX was bought out by TD Bank but they should honor the check being the check is an official bank check. He advised me to open a savings account and deposit the check, which I did. Four days later I was told by someone at the bank that the check has expired ( there is no date listed on this check ) and they will not honor the check. The manager told me the money was transferred over to the State of Connecticut Unclaimed Property. I 've checked with State of Connecticut Unclaimed Property Division and they have no record receiving these funds from neither XXXX or TD bank.
Consumer complaint received 2017-01-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

XX/XX/2016, I recieved a letter from LoanCare ( our new mortgage servicer ), which stated an escrow shortage. Our payments were going up by {$300.00}. We were given the option to pay the shortage and have a lower payment amount of approximately {$1000.00}. We agreed and paid {$3300.00} XX/XX/XXXX to cover the shortage amount. XX/XX/XXXX, we received another letter from LoanCare stating that there is another escrow shortage in the amount of {$480.00}, and our payment for the next 12 months will be {$1100.00}. Our monthly escrow payment is {$360.00}. As per RESPA, the maximum amount allowed as a cushion in escrow would be {$720.00}. The statement shows an escrow balance of {$860.00}, but they are requiring even more. They require that we have {$1300.00} in escrow. I called LoanCare today to inquire as to why they are requesting so much, and to tell them that Arizona State law has a maximum of 2x the escrow payment to be required for a cushion. They said to put it in writing and to email them. I do not feel that I should have to jump through hoops to get them to comply with RESPA guidelines, and have a higher payment in the meantime. In the past, they have hung up on us, failed to explain why we had a shortage to begin with, yelled at us, and flat out refused to do anything. They keep sending us pre-foreclosure notices, and letters stating they are going to do a home inspection at our cost. We 've paid XX/XX/XXXX payment, and will be making XX/XX/XXXX very soon. All of these shortage costs are causing a lot of financial stress. I do not feel this loan servicer is ethical, fair, or abiding by the laws. I am a victim here, and I feel that they are doing everything they can to force us into foreclosure.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

False Advertising - Citibank US ( Promotion Code XXXX ) Opened an account with Citibank with Minimum deposit of XXXX back in XXXX.Maintained the funds for 6 months now, Citibank promised to gave promotional bonus {$400.00} ( on maintaining the minimum balance for 90 days ) its been over 2 months when the criteria is Met. 

Still awaiting promotional bonus dollars. Filed a complaint on XXXX XXXX with Citibank ( Complaint # XXXX ). Supervisor XXXX telling me still it will take 30 business days to complete review of account and process once the verification is done. 

3 Visits to the bank and 3 phone calls, 6 months of account opening and still waiting for resolution on the case.Need help to resolve the complaint.
Consumer complaint received 2016-10-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I opened a checking account of {$100.00} on XXXX/XXXX/2016 and savings account of {$15000.00} on XXXX/XXXX/2016 at Citibank in XXXX XXXX, California. In XXXX instances I used a check from my personal checking account at XXXX. XXXX cleared the same night. My XXXX checking account was debited by {$100.00} on XXXX/XXXX/2016 and {$15000.00} on XXXX/XXXX/2016, nevertheless Citibank only posted {$10.00} available in each case. I called customer service and also XXXX XXXX branch manager XXXX to let them know that my checks cleared and they needed to credit my Citibank accounts accordingly. Citibank placed a 5 days hold on my money. I did n't have the {$15000.00} in XXXX nor Citibank. This is plain fraud, they are profiting from this illegal hold. Please see cancelled checks paid the very same day it was written. Also see letter of explanation from Citibank. If Federal regulation require them to provide a notice if there is a delay in posting the money into an account it has to be TRUE. They ca n't tell me that the they are waiting for these items to clear because they cleared the very same day I presented the check to them. 
I hope that the CFPB stops Citibank from profiting illegally from customers. 
Thank you Attached : Cancelled check and Letter from Citibank