davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-28
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (WI)

Dear Sir or Madam : I had sent a complaint earlier : # XXXX regarding Citibank Credit Card notifying me that they had sent out gift certificates from their rewards program and failing to send them out without notifying the customer and not crediting the " Points '' used to the account for the gift certificates which were not sent out as " known issue '' to Citibank. After three emails with no response, Citibank finally answered and responded to your letter by posting the points from the gift certificates they failed to send because of " their known vendor '' issue. However, they fixed the problem in the account and I had check issued to me, but then Citicard debited my account for the gift certificates never received for the next month. So, instead of having XXXX worth of points for that month, instead Citibank double debited me. I find this incredibl especially after having a known issue, not sending the gift certificates despite emails saying ... your rewards are on their way, and then debiting me twice. They failed to respond to my emails until finally they answered back and said, you were debited for the gift cards which they never sent. 

Please review this case and hold them accountable. I spend over XXXX dollars a year with this credit card and they have been having issues with upholding their cardholder agreement and honoring their rewards programs. 


Thank you
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. 

The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I applied for a private student loan with Navient in XXXX. I have taken several breaks, some up to a year long, during my college years. I never got a bill for this loan, infrequently, I would get letters about it being in deferment while I was attending school. Those letters stopped for a few years but in XXXX XXXX I got a bill for payment due on this loan. I had consolidated all of my loans to XXXX so I was a bit confused, I immediately thought someone used my information to get a loan. I actually forgot all about it because I hadnt recieved correspondence in several years. I called them and they said it was my loan and had been in deferment for 7 years. I asked for the signature on the promissory which they did send me and I did confirm it was mine. I called back at this point to try to arrange a more affordable payment, as it was almost {$400.00} a month they wanted, and to discuss the interest of which doubled my original loan amount. I had been out of classes for 2 years at this point so I knew they did something wrong. They refused to lower my payments, I even asked for income based repayment and was told no repeatedly over the next 4 months. I had sold my condo only months before and would have used the proceeds to pay this loan off had I been aware of it. I eventually ended up hiring an attorney who let it go into default because she was n't very organized. Once we got back on track, which took several months of emails and phone calls to her, she asked about payments made, none had been made during the 7 years, however, Navient later claimed I made a {$31.00} payment at some point in the last 4 years on the account. I had no way to look this up since I do n't keep statements from the bank that long, nor did I have that account any longer. It took months for them to produce " evidence '' of this small payment, and I do n't even know what that consisted of because I fired my attorney for dropping the ball so many times. But eventually, after extreme stress in dealing with this matter during my XXXX and then having a XXXX, my fiance paid out a settlement we worked out with the collection attorney. It has never sat right with me because they kept it " in deferment '' so long that it went from {$5000.00} to nearly {$10000.00}. I was dissuaded from filing a complaint by my then attorney.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I tried to transfer my school loans from Navient to XXXX in XX/XX/XXXX because I was making payments but was unable to get out of just paying interest so it felt like I was n't getting anywhere with the progress of paying off my loans. When I switched over to XXXX I was able to get out of paying off my just my interest and started seeing progress to paying off the principle as well after a couple months. I made payments to XXXX from XX/XX/XXXX - XX/XX/XXXX. Then, I went to make a payment but was told that I did not owe anything and that my loan was paid off. There was no communication to me about what was happening with my school loans. All of a sudden, I started to receive all the money I paid to XXXX for the year back in my bank account. I call both XXXX & Navient to find out an answer to what was going on with the loans but neither institution was able to provide any information. I was told by both institutions that I did not owe either company any money in XX/XX/XXXX. I reached out to Federal Student aid in XX/XX/XXXX to see if they could locate my loans or see what happened but they were not able to find anything out. So after searching for answers and coming up with none, I decided to put my money in a savings account because I knew it would come back one day. Well, that happened in XX/XX/XXXX when Navient contacted me via email about paying off my debt. However, when Navient contacted me I was starting my XXXX and was unable to devote any time or money to the situation. When I looked into the amount of my loan it had increased from {$51000.00} to {$58.00} or $ XXXX in interest. I am looking to gain an explanation to happened to my loans, why I received the payments I made back and why I was not able to stay with XXXX. Also, I do not think its fair that I was charged interest on my loans and I want any interests charges removed from the time I switched to XXXX to now.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

I received my order and someone else had bought the same item as a gift, so right away returned that item from my order, they would n't exchange or credit it and it was in perfect new condition, they said it was opened but it was NOT opened. I tried repeatedly to work with them but they kept the merchandise I returned ; and still would n't credit the account. I told them I would pay for only what I owe and they sent a bill that was n't up to date so I called them again after several prior attempts but they refused to work with me. Now after they ruined my credit I told them if they agree to take it off I will pay the amount that I owe but they still refused ... .not sure what else I am supposed to do. Its not right to expect me to pay for an item I do n't want and returned.
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (IL)

I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.
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. (NJ)

My direct loan in amt of XXXX was taken overy by XXXX..I lost my job and qualified for deferment. Navient took over my loan but never contacted me to tell me this..when my year deferment was up I contacted XXXX XXXX to see about XXXX deferment and was told navient had my loan. I called and left numerous messages with no call back and last year they took our entire income tax return of over XXXX with no letter or notice. I called dept of student loans and was told my balance was {$7500.00} and was in collection. This was balance after XXXX return was applied. So they are taking my tax return again this year. How can I pay a student loan if no effort was made to tell me who owns the loan? So now I have defaulted loan..and no job and my credit is ruined
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

I 'm not sure if this affects me, but I do have my student loans through Navient, I do believe I consolidated my loans through them, when prior they were through XXXX XXXX. I 've had student loans long before 2010, and I 'm not sure how long I have been with Navient. I do know that at the beginning I was forebear ingredients my loans because that is all I knew how to do, but for the last 2-3, years I have done the income base plan, and it is at a cheaper rate, but then I have to defer them any way, because I ca n't pay on them yet. So with that being said, I do n't know if this affects me or not.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NC)

I have XXXX student loans with Navient/XXXX. I have just heard of the lawsuit that has been brought against this company. I am not sure what is going on with my loans, but I need help. I graduated in XX/XX/XXXX. I do know that I reconsolidated once and then at one time my loans were frozen ( for one semester ) while I completed XXXX in XX/XX/XXXX. However, it appears that the amount I have paid, the majority goes to interest. As you can see from the XXXX attached statements of my account, the current balances are n't much less than the original principal amounts of the loans which were issued in XX/XX/XXXX. I am not sure what 's going on. I have been seeing money go out on a monthly basis and no progress made, which is usually around {$260.00} per month. The majority of this payment goes to interest, leaving the principal almost untouched. Navient does not give the option to pay more than what they request on their website, and I feel that something is wrong with my account and how Navient/XXXX has handled it. I question it further now, seeing as the lawsuit against them has just come to light with the complaint of very similar issues. I have been told by Navient that these loans were to be paid off in 10 years. There 's no way. I graduated 9 years ago and the payoff date listed on the account is XX/XX/XXXX??? Somehow I still have 8 more years?? Something does n't add up here. I need help. There is no way that with the payments I 've made, and the interest they 've charged, that these loans will be paid off by that time. I have made almost no progress on these loans and have been charged so much interest, my balance is just now getting below the principal amounts. Please help me. I feel that this company is robbing myself and XXXX others blind.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I received a letter from Navient dated XXXX/XXXX/XXXX that informed me that they were increasing my monthly payment even though I am enrolled in an IDR program. When I called to see what was going on they told me they had received new income information in XXXX from XXXX and that I should contact XXXX with any questions. However, I have not submitted a IDR request since XXXX/XXXX/XXXX, which was confirmed when I contacted XXXX. When I attempted to call Navient back, I was put on hold for 15 min. then hung up on by their customer service representative. I also went back through my payment history, and even though a payment of {$3000.00} was made on my account in XXXX XXXX through the XXXX loan forgiveness program, my account does n't seem to reflect a lower balance. In fact, according to the letter they just sent it I still owe over {$4000.00} even though my original loan amount was just over {$6000.00} and I 've been making regular monthly payments, as well as the payments made by XXXX on my behalf. Something is seriously wrong here. I feel like I am being charged more money than I actually owe and having my monthly payment increased without justification. Please help!
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have been on an income contingent repayment plan for the last several years, through Navient. XX/XX/XXXX, I applied for XXXX and was told my loans would need to be consolidated for this to occur and that during this process my loans would need to be put into deferment/forbearance for XX/XX/XXXX & XX/XX/XXXX. I asked at that point what my estimated repayment would be and was told they could not tell me. Also, I explicitly asked if my student loans would be accruing interest during this time as I owe more than XXXX and would like to keep the principal down by paying the interest. I was informed that my loans would NOT accrue interest and that the REPAY process would be completed in XX/XX/XXXX. To date my loans have accrued an additional {$2000.00} in interest and today when trying to find information on their website I discovered my new payment will be nearly double what my previous payment amount! It appears that they have set my loans to not be repaid until XX/XX/XXXX meaning that I am currently I am unable to do anything with my loans, including choosing a repayment plan that I am able to afford.
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (OH)

This number keeps calling me telling me that I owe {$290.00} for a XXXX bill. I do not have a gas bill in my name, and I have not. I asked for the address and they gave me an old address of mine. I verified with the person who lives at that address now and they have XXXX under their own name.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (FL)

SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria
Consumer complaint received 2017-03-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (TX)

They call my cell phone from different numbers throughout the day everyday and my work phone. I had a message at work to call the guy from the actual company which tells my coworker where the call is from. Just today a girl called me from a cell phone and when I answered and realized who it was from I hung up. She called me back to back at least five times.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MA)

I have a leased car from KIA motors. In my contract it states I am liable for toll fines. Apparently I had a toll fine in the state of MA. I was unaware of the fine and would have protested it. MA billed the fine directly to KIA. The fine was {$50.00}. KIA paid the fine late and was assessed a late fee of {$40.00} for a total of {$90.00}. KIA paid the fine without my knowledge. KIA then sent me a copy of the fine from the state of MA and a bill for {$50.00}. KIA did n't try and charge me the late fee. I tried to protest but was told by the state of MA I could n't because the fine was already paid. Frustrated I paid the {$50.00}. This month I got my normal lease bill in the mail and it included tax on the fine. I called KIA and questioned the tax. KIA told me the contract allows them to charge me tax. I questioned how they can charge me tax on a state fine when there is no tax on the fine. I want this reversed. I told them I am not paying the tax. This should be illegal. I am concerned this will hit my credit report.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc. (TX)

Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.
Consumer complaint received 2015-10-18
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Ceannate (IL)

While the person 's voice did not seem threatening, when I called to offer a payment agreement the person on the other end said he could not accept the {$50.00} per month I offered because there were government regulations. He did of course mention I could be subject to wage garnishment or a lawsuit. He said he could not work with me filling out a form. He said he would have a supervisor contact me, but I have still not received a call. I get the feeling of doom they are not working with me. I want someone to know even though I am contesting this debt I am trying to set up an agreement before I am threatened with a lawsuit or garnishment. I agree to pay XXXX per month. It is what I can afford. Please get someone to work with me. 

Thank you.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (IN)

Got a phone call from XXXX No listing on Caller iD as to name I looked the number up online and It belongs to Aargon Agency. I do not have bills past due. or any reason for a debt agency to call me. It was a robo call, for me to call a number about this debt. Call was XXXX XXXX/XXXX/2016
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (DC)

Macys/Dsnb, XXXX XXXX XXXX, XXXX, OH XXXX is reporting my account as a charge off, however, I paid the account in full. Macy 's credit card stopped sending me invoices. I continued to mail checks to Macy 's but they never credited the checks to my account. I was told they did n't receive them. I sent them to the address that is on their web-site. I also verified the address once told that Macy 's was not receiving the payments. I want the negative information reported by Macy 's to be removed from my credit report. I filed a dispute, but Macy 's refused to remove the negative information.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MA)

XXXX is reporting a dispute that I had already resolved and had taken off of my account in XX/XX/XXXX with Home Depot. 
I do n't know why this is appearing. I am in the process of applying for a mortgage and this needs to be removed as I can not have any open disputes with y mortgage application. 
This Home Depot card has been paid in full and has not been disputed. I do n't know why it has shown up on my report. Please help. thank you.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

I set up recurring bill pay with Citibank through my checking account to pay my cable bill every month. In XX/XX/XXXX, I went in to Citibank branch and asked verbally and in writing for the recurring bill pay to stop as I was about to move XX/XX/XXXX. I thought that giving them XXXX weeks notice would be sufficient. 
Citibank, however, failed to put through the request. In XX/XX/XXXX, XXXX months later, the cable bill amount was still being deducted and sent to AT & T. I was no longer living there and the new tenants were having a difficult time setting up their cable in their names as I was still being charged cable for that apartment. 
I have spend countless hours trying to resolve this. Citibank says I need to deal with AT & T, but AT & T says I have to take up the issue with Citibank. They each claim the other is responsible for returning to me the money. I have spent hours on the phone and in person with both companies and now have no idea what to do.