davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I attended XXXX in XXXX XXXX, CA from XXXX XXXX - XXXX XXXX. Graduated with a XXXX from the school. In a conversation with XXXX and their financial department, they made me aware of the additional amount to be tacked on to my current loan balance. I had attended XXXX before from XXXX - XXXX for a XXXX in the same field of study in XXXX, AZ. 

The first account was a XXXX XXXX loan which me and me father co-signed on. So the amount that was borrowed in total, according to XXXX, was {$51000.00}. With interest, it currently stands at {$63000.00}. However, the problem is this : There was a second account made without my knowledge for roughly the same amount! So even though XXXX has me slated that I borrowed only {$51000.00}, my loan provider ( Navient ) has me with XXXX accounts both totaling {$120000.00}! This second account should have never been created in the first place even though the school assured me that the amount would be added onto the current loan account.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I took out $ XXXX in loans with XXXX ( now Navient ) to attend XXXX from XXXX. I could n't pay the full payments when I left school and I used the forbearance options for 2 years. With interest the debt is now $ XXXX even though I 've made payments for the past 8 years. I make XXXX a year and I 'll never be able to pay this off. Right now I 'm on the annually renewed rate reduction program, and they 've lowered my interest to 4.5 % but my payments are {$770.00}. This loan is taking all my money and I desperately need to find a solution. My father also co-singed the loan, but he is now retired and living on social security.
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. (FL)

I went into forbearance on XX/XX/XXXX and it was to last until XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from a collections agency stating that Navient turned me in for failure to pay. When I called Navient today, all but XXXX of my loans were put on forbearance. I was under the impression that ALL of my loans were in forbearance. Now there is likely a hit on my credit report, so I 'm pretty upset. I 've worked very hard on keeping a decent credit score and also maintained regular payments until I became ill. 
The lady I spoke with stated that she has fixed everything, but I honestly do n't know. 

I have also tried to change my last name several times, but it has never updated, so my married name that is on my social security card is not what is on my loans. I 've sent paperwork signed and mailed with required proof as well as spoke with XXXX XXXX staff regarding this issue. 

I have attended several colleges due to my being a military spouse. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

Navient has repeatedly suggested that I use forbearance when struggling after losing my job and after encountering financial problems. I have now had several forbearances and just recently I learned about Income Driven Repayment plans ... I do n't understand why they did not tell me that there was an Income Driven Repayment option.
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. (WA)

My lender Navient has steered me into costly forbearance for financial relief instead of less costly options. I was once not told a fee would be issued for a forbearance, I was made to understand that it would collect full interest while in forbearance only. Because of the fact i needed 1 month of payment relief, i believe is was deceived. Instead of deferment which i think would of benefited my situation i was forced into the costly forbearance for a 3 month period. This happened on 2 occasions, on the second occasion i was made aware of a fee is applied to forbearance. 

Navient has also changed their page design numerous times and it is confusing to navigate and pay loans.
Consumer complaint received 2017-03-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I have been making payments to Navient for XXXX XXXX years. Its a private loan, and they pretty much refuse to help me in any way shape or form, even when I had no job and was struggling badly, which I guess is up to them. However, recently I went and checked my payment history and how they were being applied, and its ridiculous how they apply my payments to the loans. There is absolutely no pattern and they wont give me a clear answer when I ask them why my payments are being applied the way they are, and why Ive made next to not progress on my loan. After over 3 years of making usually monthly payments, my principal balance is actually HIGHER than it was when it first started. That makes no sense, and even they wont explain it to me, The only time they are willing to talk to me at any length is if I owe them money, in which case they will call me 6-8 times a day, but if my loan is current, they will just rush to get me off the phone as quickly as possible.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

We have been in refinancing process since XXXX XXXX, 2016. Our Loan officer is XXXX XXXX XXXX number XXXX. We have done evrything required in our part in a timely manner. We want to refinace to lower our interest rate not to pull out money. We thought it would only take about two months since everything is good our credit scores i payed off a medical bill which they did n't let me know until about 3 wks ago. So I payed it off. I keep calling texting my loan officer no response we are close to closing our loan but he does n't call us or get in touch with us. It 's not fair our time and money are valuable. He has extended our interest rate twice and I think is prolonging it to give us a higher rate since interest rates are going up. Please help, I do n't know what else to do.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (MD)

I recently applied for the US Bank XXXX XXXX Visa, which advertised a XXXX night free with any award stay while I had the card, in addition to paying a {$75.00} fee. I was recently notified that the benefit was being removed without an in-kind benefit being added. I spoke with customer service and was offered XXXX points, which was worth maybe {$12.00}. After indicating that this was unsatisfactory I filed a complaint last week. I was called regarding this, and the gentleman I spoke with said I could get either XXXX points ( ~ {$32.00} ), or cancel the account and get a refund of the annual fee. However, even refunding the annual fee does not account for the loss I have taken to my credit score in applying for this card, which includes both a hard credit pull and a lowering of my average account age, both of which can affect the interest rates I receive in the long-term. I was aware of this when I applied for the card, but at the time, it was worth it for the benefit of the XXXX night free. Refunding the annual fee therefore does not adequately reimburse me for all the financial cost I took on applying for the card.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (PA)

I had a credit card for 2 years, recently fraud relent charge was charged to my account. I disputed the charge the first claim was approved but the charges was put back on my credit card. I 'm receiving illegal charges to my credit card without explanation, my XXXX messages for the claim adjuster has n't been returned. The 4 messages to the claim supervisor XXXX has n't been returned or the request for a manger call back has not been received. The second fraudulent claim has been denied, become my home address and the fraudulent charge are with a XXXX mile radius. No research was conducted, I have victimized by this company. This company should be federal investigated for security and credit fraud. I do n't make the any of these fraud relent charges. I believe the bank or credit card companies has n't properly secured, an one of their employees has used this account. 

I received additional charges for late fees, membership fees and interest charges associated with the fraud relent charge. This is a moneymaking tactic to illegally collect money. I have no ideal about the fraud relent charges, the research has n't been done. I spoke to XXXX, the owner of XXXX of location for the fraud relent charges, he state the credit card was called in to the location. But, speaking to the credit card company, they 've stated the credit card was present or used similar to previous purchase process. It does n't make any sense, this company has evident that no continuous fast food charges are made throughout any month during my account history. This company is make it easier for criminals then every.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (CO)

This complaint is against XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX operating as Fidelity Investments and their credit card issuer ELAN FINANCIAL SERVICES. 
Background : XXXX 2016 Fidelity switched credit card providers from XXXX XXXX card to XXXX managed by Elan Financial services. 
XXXX XXXX, 2016 - Cancelled a prepaid XXXX rental car for {$230.00} and received cancellation confirmation # XXXX. XXXX confirmed that credit was issues to the credit card company. 
After several attempts to resolve, Elan representative recommend that I open a dispute to resolve the issue. Claim # XXXX. 
XXXX 2016 A provisional credit was applied to the account while dispute was conducted. 
Received request from Elan to submit a copy of the cancellation. Mailed to Elan on XXXX XXXX, 2016. 
XXXX 2016 Provisional credit was removed by Elan. The response I received from the Elan dispute team was that the cancellation confirmation paper work was not received. 
Re-sent a copy of the cancellation paperwork on XXXX/XXXX/2016 On XXXX/XXXX/2016 received another request for paperwork. Third copy was sent on XXXX I have made at least ten calls into Fidelity and Elan to try to resolve this issue without success. It is being managed by XXXX with the Disputes team, although follow-up has not been forthcoming. 
It should be noted that I closed my accounts with Fidelity in XXXX and XXXX 2016 because the company no longer allowed independent financial advisors to manage investment accounts. Also, this was an account in good standing for the entire duration of the relationship with Fidelity.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D. SCOTT CARRUTHERS (CA)

The Law office of D. Scott Curruthers has been contacting me about a debt that is unrelated to me. They have been harassing me as well as other members of my family. The apparent debt allegedly has to do with my brother. If there is debt to be collected by someone, you call that person. My father, mother, step mother as well as myself have been contacted by this agency. I believe it 's illegal and also unprofessional to disclose debt information to someone that is not involved with the debt. I 've demanded that they stop calling but all I get is a voicemail. Please make this stop!
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (SC)

Our credit card with US Bank was subject to an account takeover. Someone posed as my husband added their name to our credit card. Apparently this person had the last XXXX of his SS # and used that to change our email address and telephone #. The customer service rep made the changes and US Bank never emailed us to verify these changes or at the very lest let us know this had occurred On Fri pm we received a UPS delivery and to our surprise it was our credit card # but it had someone else 's name on the card. The card had a {$15.00} fraudulent charge so that the card could be expressed mail. Immediately we called US Bank and they told us our account had been taken over. The bank removed this {$15.00} and locked the account. At the same time the bank transferred the charges to a new account. The bank would not give us any information about the person who committed this identify theft. The next day we reported the incident to our county police department and we sent the police report to US Bank. Approximately two week later I called to check on the status of the investigation. US bank denied receiving the police report even though I mailed it certified return receipt requested. That was not true because I had my copy from the US Post Office, After numerous telephone calls with fraud dept and eventually the Office of the CEO I was told that if I wanted any information I must get a subpoena. I paid the account in full and the next day I sent US Bank a letter requesting that they permanently close both accounts and never solicit our business or allow anyone to pose as us to gain credit.
Consumer complaint received 2016-09-02
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (IL)

This letter is to complain about the ill treatment that I 've received from US Bank when I applied for a refinance of my original home mortgage that I had with them. I was lied to about how much I could refinance my home for. The original loan was a VA loan which guarantees the loan XXXX %. I 'm a service-connected XXXX veteran. I was told by US Bank Rep that the VA only allowed a refinance of only XXXX % of the market value of my home. I thought this was strange so I contacted the VA and they told me that statement was not true. They gave me a link to go and said share it with the lender. The link stated that VA guarantees XXXX % of new purchase and refinance if the veteran is credit worthy. When I mention this to the XXXX at US Bank she then said it was " company policy '' not to lend more than XXXX % of the market value on refinances. Yet, the VA was still guaranteeing XXXX %. I sacrificed my life for OUR country and was injured in the process. Yet, US Bank felt the need to restrict my benefit and hold me down. For what reason??? The only reason I feel this was down is because of my race, gender, marital status, age, and zip code. When the Rep did not change her position on the XXXX % after I reminded her that VA guarantees XXXX %, I realized something was not right. I told her that I no longer desired to do business with US Bank. Then I get a letter in the mail which really angered me. It was from US Bank and it stated that they was denying my request to refinance my home loan due to " Lack of Collateral ''. This made no sense at all. My home is my collateral. Luckily for me, I found a financial institution that refinanced my home loan, a few days ago, at XXXX % and I even received a better interest rate. I did n't have to pay any additional fees either. They only looked at the market value of my home and my ability to repay the loan. They would have also paid for the appraisal if US Bank had not already made me pay for it. And, they honored my service to this country which I 've helped to defend so that they could do business. No one came up with some arbitrary XXXX % to try to exclude me from a benefit that I earned and deserved.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (CA)

ON XXXX I HAVE RECEIVED A SPECIAL INVITATION BY MAIL FROM DISCOVER TO APPLY FOR A PERSONAL LOAN. ID # XXXX OFFER EXPIRES ON XXXX XXXX. SO, BEFORE I APPLIED FOR THE LOAN ON XXXX XXXX. I HAD CHECKED MY SCORE AND USED THEIR CALCULATOR THEY PROVIDED TO SEE WHAT THE APR WOULD BE. 13.99 %. OK, SO I CALLED AND ASKED A FEW QUESTIONS. XXXX DO YOU PRESCREEN THE SUBJECT BEFORE THE INVITATION. ANSWER : YES. XXXX WILL YOU INVITE IF CRITERIA IS NOT MET. ANSWER : NO. SO ONCE I GOT MY ANSWERS. I APPLIED. AND THEY DENIED ME. NOW I HAVE UNWANTED INQUIRY ON MY REPORT WHICH KNOCKED MY SCORE BY XXXX POINTS. AND FOR WHAT? I HAVE BEEN WORKING EXTREMELY HARD ON FIXING MY CREDIT SO I CAN HELP SECURE A FUTURE FOR MY FAMILY. I GOT MY FIRST BREAK FROM XXXX XXXX XXXX WITH A {$300.00} CREDIT CARD, IN LESS THAN 18 MONTHS I HAVE OVER XXXX WITH XXXX XXXX. I HAVE APPLIED FOR OTHER CREDIT CARDS SINCE. AND NEVER DENIED WITH ANY XXXX. NOW I HAVE OVER XXXX WORTH CREDIT CARDS AND XXXX CAR LOAN, THAT 'S HOW HARD I WORKED TO GET HERE, TO BE STABBED BY DISCOVER WHO I HAVE A XXXX CREDIT CARD FROM THEM WHERE I MADE OVER XXXX PAYMENTS THE 16 MONTHS TIME AS A CUSTOMER AND UNDER 25 % UTILIZATION. I AM OUTRAGED WITH THEIR TACTIC TO XXXX MY CREDIT. JUST BECAUSE THEY CAN.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (AZ)

Filed a flight through XXXX for a flight XX/XX/XXXX. Ended up not being able to attend flight due to policy at work regarding the time off at work XX/XX/XXXX. XX/XX/XXXX is considered a blacked out month and they will not allow any vacation time at all due to the sheer volume of work ( shipping company ). I had purchased an additional {$10.00} insurance specifically for canceling which is what it advertised without giving any of the details. I tried to cancel flight today on XX/XX/2016. Turns out, they charge an additional {$25.00} dollars to cancel the flight. I then have to go through XXXX XXXX who offers the cancelation insurance. After talking with them, they send me the details that the only cancelations that are approved are medical emergencies and jury duty. That is not what they advertised and that is not what I purchased. XXXX is charging me now a total of {$210.00} for a flight I can not take due to it now being canceled and they " do n't offer refunds on this type of flight '' is what the customer service representative told me over the phone. They refused to transfer me to a manager. Gave me info regarding trip mate cancelation to which they will not process your claim unless the flight is canceled so you have to pay the {$25.00} for a flight they can not refund. According to my cancelation confirmation email, I am refunded {$140.00} with XXXX XXXX. To use this credit, I have to spend a {$200.00} penalty on top of the credit. This is straight robbery. I received no service outside of my time wasted by customer service and policies regarding " we ca n't do anything. '' I want my money back and people to be warned of the shady tactics that cheapoairlines does in business with trip mate.
Consumer complaint received 2015-06-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I went to XXXX XXXX after XXXX school and they automatically gave me these loans and now my credit is ruined and I cant get a house and they never found me a job in this feild. I am now in a different feild but the private loans are having to be paid back and I am barely making ends and cant consolidate them to help make it easier. I am paying on them to help from ruining my credit anymore.
Consumer complaint received 2017-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

I originally took out a loan for my my XXXX degree through XXXX XXXX. For reasons unknown my loan was sold to Navient, and now my interest rate is variable, and 11.5 %. I can not get any answers about how this change happened. In addition, when I have tried to work with Navient to get forbearance, they have repeatedly played games with me, made commitments they did not keep, and negatively impacted my credit.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I was directed to put the loans into a forbearance amount of time until I could afford my loans. I then put the loans into a interest only payment for a year until they put me back right into the normal repayment. Please note the normal repayment was over XXXX $ a month.
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. (MI)

Navient services my student loans and i have called them multiple times in the past about misleading/confusing information and misallocations of my payments. I 'm sure these complaints have been ignored by Navient but I want to know what I can do invving this lawsuit and any repercussions in process.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

Failed to apply/allocate payments to the accounts correctly. 
Obscured information and failed to notify of payment change, interest and late fees. 
Had I not discovered the problem by conducting an end of year review of my loans would have harmed my and my husbands credit as he is a cosigner on my consolidated loans.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Dear Equifax : After 3 consecutive letter i am now writing to you via cfpb to request that you remove the following unauthorized inquiry ( ies ) from my credit report : Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX- XXXX XXXX  Inquiry Date : XX/XX/2019 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thank you in advance.
Consumer complaint received 2016-03-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Finance LLC (DE)

We were behind on payments by American Finance LLC of XXXX Delaware. We initially spoke with Rep XXXX XXXX, who told us how far we were behind. Then, we agreed to a payment arrangement to get payments caught up. We also spoke with another Rep named XXXX who also confirmed how far we were behind. Over the course of about 6 weeks, the amount they said we were behind was paid in full and we were told the account was all caught up and we were good to go. So, we resume with regularly scheduled payments on time. Then, all of a sudden, weeks later, we get a call from XXXX saying there was some type of glitch in there system and we still owed them {$530.00} and the account was still behind. We had already paid them well over {$1200.00} and now they are saying we owe them more money.