davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Non stop calls asking for XXXX XXXX, ( who is deceased ). Saying if you are XXXX XXXX, stay on the line, if not hang up. 
I hang up, because I am not XXXX XXXX, but the calls continue. 
I stayed on the line, hoping to talk to someone, but never get an answer.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (RI)

I have both federal and private student loans through Navient. Right now I have my federal loans in deferment, while I was told that this is a " Cap '' on the number times I can do forbearance or deferment on my private loan. Allegedly I am maxed out and my payments are not affordable at all. I have done income based and interest only and it seems that I am paying more than I can afford. They are not working with me and I am behind on payments to the point where I may be facing litigation because I can not catch up. I get harassing phone calls daily. I have given these people my income and other information.
Consumer complaint received 2016-09-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MD)

Navient has been harassing and threatening me and my parents over the past few years. They call up to 10 times a day, sometimes not telling us who they are, and often call repeatedly during the weekends. I sent Navient a cease and desist letter, and received a response from their Ombudsman 's office that all phone communication would stop ( this was done in XX/XX/XXXX ), but today my parents reported to me that they are still calling repeatedly.
Consumer complaint received 2019-10-20
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: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I submitted an online credit card dispute to the credit reporting agency, Equifax. 

Equifax is erroneously listing an account from XXXX XXXX/XXXX on my credit report from XXXX. 

According to Equifax, my last payment to the above XXXX XXXX/XXXX revolving credit account was on XXXX of XXXX. HOWEVER, the account wasn't charged off by XXXX/XXXX  until XXXX of XXXX. 

From my understanding, credit card companies are supposed to " charge off '' accounts 180 days after the last payment. According to these records, XXXX didn't " charge off '' my account for nearly 1704 days after my last payment ( i.e., last payment of XX/XX/XXXX, to a " charge off '' date of XX/XX/XXXX ). 

I disputed this with Equifax, stating that the timeline is incorrect, and that the negative item on my report should be removed ; as none of the other two agencies have it listed on their reports. Equifax DID NOT remove the information, and reported the information as accurate.

Making matters worse, all of this information is readily available in the " dispute results '' provided to me by Equifax, i.e, specifically the timeline and my assertion that it should be removed as XXXX/XXXX can't charge off an account 5 years after the fact. 

And last, I attached the " dispute results '' from Equifax below. In them, it shows that the " date of last payment '' was XX/XX/XXXX ( found near the top of report ), yet the account wasn't " charged off '' until XXXX of XXXX by XXXX/XXXX  ( found near the bottom of the report ).
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I am on an income based repayment plan. It seems within the last year my loans have skyrocketed $ XXXX making my total debt $ XXXX. After checking my credit report on XXXX/XXXX/2017 the loan balance has went up by roughly {$500.00}. The interest on my loans are absolutely absurd and it makes it impossible to pay back.
Consumer complaint received 2015-12-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

On more than one occasion I have requested for the Dispute department to contact me. They have yet to do so after hours on the phone with them and promising phone calls. They are reporting inaccurate information to my current Ally Auto account causing derogatory marks on my credit file with XXXX, XXXX and XXXX.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IN)

I am working on my second attempt at a mortgage modification with Ditech Financial LLC. My first attempt at a modification was denied due to the time it took for Ditech to process my application. During my first modification I talked to to several different representatives, I was told different things by different reps. I submitted the same documents over and over again, the documents would get lost or overlooked. The entire process took over 10 months. I have now completed the paper work for my second modification, all that they requested was in on  XXXX   XXXX   2017 . To this day they have not moved it along to decide if they need any more documents or if is complete. I had a representative tell me just yesterday that once the have all the documents it should only ta ke 3-4 busin ess days to look over it, its been 40 days. I want to stay in my home and I do n't understand why they are not working with me. You think with the effort that I am putting in calling 3 times a week that they would do their job, but it has n't done me any good, what so ever! My circumstances have changed and I have money saved. I am ready to get this resolved and move on with my life!
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OH)

I received XXXX tickets from Washington XXXX. The ticket was sent in the mail with an expired Court date I called XXXX and asked when could I have a court date that the court date had expired. Told I could not get a court date ( right to due process ). XXXX XXXX XXXX was to be paid in XXXX County ( another error ). Told to write XXXX letters gone unanswered.XXXX ) Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX2016, No response. Contacted XXXX/XXXX/2016. Called was told that the account at the request of XXXX was sent to Municipal Services Bureau. Come to find out from representative XXXX that XXXX and Municipal are XXXX in the same and that Municipal is the parent company. Team player XXXX stated the the dispute was put in on XX/XX/XXXX2016. No response. Even after request for me to resubmit another dispute. Misrepresented who they are and denied me the right to have this resolve by not letting me speak with a supervisor for resolution. The amount owed is completely different from the court house portal. Speeding ticket is XXXX and the XXXX suspension is XXXX now the ticket is XXXX XXXX at the Washington XXXX stated that the amount is high because I did not show up for court. Never had a court date. Called the credit bureau at least 20 times. XXXX/XXXX/2016 spoke with XXXX, XXXX, XXXX and he informed me that I need to submit another complaint dispute online that is the only way. XXXX 's team member said that they are a municiple court ( false ) an the have more time and she does n't know how long for a dispute. The letter XXXX and XXXX at the Washington XXXX was submitted 3 times.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

Been out of work for almost a year due to health issues and they still will not work with me. Most of the people I talk to are rude and would not let me talk. navient is charging me every day even though I am paying payments. I have tried several times to explain to them I have been out of work and even tried to get them to let me get back into school so I could get a job. They cont. to take my payments but will not let me do anything else.
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. (GA)

I had late payments popup on my credit reports that I did n't know I had. I asked Navient to waive them last year as a courtesy due to I was not notified and they refused. I also called to ask what my repayment options were and why it was so much more money than before. I was told that my payments would be {$250.00} for each separate loan per month. That is way too much money and I do n't feel as though I have been properly informed of my rights and options. Additionally, I keep getting notifications from the credit Bureaus each time they change the amount of my loans. Why am I not being notified of the constant increases and decreases ahead of time? I feel as though I 'm being given no real options and explanation of payments.
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

I am currently an XXXX. I make less than XXXX a year. At some point, probably 2-3 years ago, my rates went up and I could n't afford the repayment monthly. I was paying around {$410.00} every month for my student loans. One month prior, on XXXX XXXX, 2016, Navient sent me a letter stating I would have a 252 % increase in my current student loan payments beginning on XXXX XXXX, 2016. A 252 % increase is exorbitant and ridiculous on a XXXX salary. They refused to work with me and want to go after my parents. The agent was very rude and pushy and basically told me my parents ' financials need to be given before they will even begin negotiating repayment plans on my student loans. I am XXXX years old and my parents have not been financially responsible for me in 6-7 years. Their financials have never been made known to me, and as a married woman, they are not financially responsible for me. My father is a XXXX for goodness sake, living off a modest pension. I do n't understand how this is even legal. Not to mention, my parents never agreed to the terms of the repayment when I changed them, so I 'm not sure legally how they can be held liable. I have no idea how my husband and I are going to be able to afford this.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/XXXX  XXXX XXXX ( Bank ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

XXXX sent me a letter dated XX/XX/2018 Citi/XXXX stated that about how the 3 Credit Bureaus that Citi/XXXX noted on my credit file disputed by the consumer. That's not my complaint is that Citi/XXXX is to show on notes on the credit file that Citi/XXXX requested that the account be closed show it's suppose to state closed by the ( CREDITOR ) My next issue I have had the account over 9 years and that it was not clear when I called in I was told by there rep it did not matter and then Citi/XXXX had a nasty attitude when calling about the account. It's all about Fee 's and how to charge the consumer more money. Citi/XXXX as if the account/form they mailed out cant be retracted by error.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX continues to falsely report an account closed in XX/XX/XXXX as an Open Account, thereby negatively affecting my credit utilization. This is deliberate ( letter dated XXXX XXXX, XXXX attached ) and both XXXX and Experian were informed, but both insist on compounding the erroneous and possibly illegal information as this account was originally charged off in XXXX XXXX. XXXX XXXX can not take the tax credit charge-off in XX/XX/XXXX and subsequently list it as an open account.
Consumer complaint received 2017-03-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MS)

Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX. 
Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss. 
Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX. 
Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX. 
Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds. 
Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

After several years of being an excellent Citi Double Cash cardholder with zero late or missed payments, Citi closed my account on  XXXX   XXXX ,  2017. The y did not provide warning or notice and I was not given any explanation as to why they closed my account. At the time of closure, I had an accumulation of {$7300.00} in unredeemed cash rewards. The earned amount was confirmed by Citi on my  XXXX   XXXX ,    2017 sta tement and through their phone system on  XXXX   XXXX ,  2017 ( se e attached transcript of phone call, also recorded on an audio file ). However, when I subsequently attempted to redeem the rewards, they claimed that my cash rewards would be forfeited since the account was closed.     Citis withholding of my earned rewards is a blatant breach of our covenant of good faith. I earned the {$7300.00} in rewards according to the rules outlined in their marketing and promotion campaign . Citi  engaged in widespread media marketing campaigns to promo te Citi Double Cash. T he reward card was promoted as having cash rewards that never expire. Howeve r, Citi is now  claiming that the cash rewards are forfeited if the account is closed. In other words , if Citi decides  they dont want to pay an accrued liability, they can simply close the account for no reason. This can not possibly be lawful in the letter nor spirit of contract law.     My credit card account was terminated, even though my account had never been in default and I never missed a monthly payme nt. Citi stripped me of rewards cash that I had earned, without any form of compensation. This is clearly a situation where Citi is tryi ng to avoid paying a liability they owe.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

XXXX/Navient Accepted promissory notes that were fraudulently filled out, one of which had the student name incorrect. They also applied payments in a manner to ensure that loans would enter into default, as well as " finding '' an additional payment in XX/XX/XXXX and back dating it to XX/XX/XXXX without any adjustment towards any interest or payments that the payment would impact regarding current debt.
Consumer complaint received 2016-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Auto Finance refuses to let me make extra principal payments on my loan via online bill pay service from my bank. The demand that I either send a paper check or use there website for principal reduction.Online bill pay like i do on all my debts would result in them treating it as prepayment for future months. This prevents me from trying to save interest and pay down my loan balance faster.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

Had a horrible experience wit h Citibank an d having been trying to resolve since  XXXX     2016. Spo use opened a credit card in my name and bank did not get routing number correct for auto payment. Which turned in to two months  of non payment. Recieved a phone call finally in  XXXX  of past due amount and upon confirming I do indeed have account with them paid it immediately and was advised no negative action would be taken if paid in full that day. I was lied to and they ended up sending it to my credit report which negatively impacted m y credit score goi ng from  XXXX  down to  XXXX . Numb er one the y never confirmed I am th e one opening said such account and number two state d they would not report this do to a clerical error. They refuse to remove the negative comment and state they sent emails of past due amount. I admit there is email after going back to history but since I never opened the account fiqured it was fraud and someone trying to get my personal information. Please look into this as I am sure I am not the only one they are doing this to.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CT)

1 ) Chase Sapphire posted a {$95.00} " Annual Fee '' to my card statement for the first time ever in XXXX XXXX. 
2 ) After checking last XXXX 's ( XX/XX/XXXX ) statement and seeing there was no such fee I called Chase and asked about the Annual Fee. The rep told me that Chase had sent out a letter in XX/XX/XXXX informing me that my Chase Sapphire account would change to a Chase Sapphire Preferred account and outlining the new card service agreement. Though I have no recollection of this letter it may have arrived two years ago, I ca n't say with certainty. 
3 ) Chase rep stated that there was no " Annual Fee '' posted in XX/XX/XXXX because they were migrating to the new card, but that at the current time the fee is valid. 
4 ) I informed the Chase rep that I have no other cards with an Annual Fee and I would like to find a way to remove this fee. Rep said he could change the card from Chase Sapphire Preferred to Chase Sapphire, same number, same APR, new expiration etc. After listing the benefits of the preferred card I declined and the Rep very helpfully proceeded to process the change to the no-fee Sapphire card while we were on the phone together. 
5 ) Regarding the Annual Fee. I asked him to confirm that the {$95.00} fee would be removed, and the Rep said XXXX things that alarmed me and are prompted me to complete this report : 1 ) The fee would be " pro-rated back to me '' ( no " credited back '', no clear explanation about what this meant ) and, more importantly ; 2 ) that the {$95.00} annual fee itself would not be credited back for another 1-3 billing cycles. I asked the rep why he could n't remove the fee immediately since I had changed the card type to one without an Annual Fee. There was no satisfactory answer to this question. I then told the Rep I was carrying a balance on this card, so would n't it follow that I 'd be paying interest on this {$95.00} for some unconfirmed number of months - 1, 2 or 3 months - that would carry from one card type to the new card type where the fee was not part of the agreement, and that if this was the case would n't there then be some XXXX people paying a small interest-related fee on something that should be removed at the time of the transaction? I did not after all initiate the original switch to the Chase Sapphire Preferred card, it was something that was initiated by Chase without my involvement or desire to do so. The rep was unable to answer this question as well and I realized then I needed to take it to another venue, it had triggered an alarm large enough for me to call the CT state 's attorney general office for the first time in my life. CT AG office referred me to the BCFP because at a state level their hands are tied.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (WI)

During the week of XXXX XXXX, I received a bill from Chase Bank for XXXX XXXX XXXX which I never ordered. The account number was mine, I closed this account approximately 6 years ago. The original amount was {$94.00} but with late fees it is {$190.00}, and it was purchased XXXX/XXXX/16. They have since closed this account and I 'm sure it is on my credit report which has been spotless. They also stated that e-mails had been sent. I did purchased XXXX XXXX but that was years ago. The email address was formerly mine. I have n't had this email for several years. This was the first, the statement that I knew about this. They were willing to drop the late fees and if I would pay XXXX I would be in good standing with them. I told them I will not pay. I talked to the credit card company and talked to fraud, and it was being referred to Investigation and Recovery. They will not allow me to dispute because the charge was in XXXX. I have heard of other fraud, but the fact that this has been from an account that I closed long ago.