davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (IN)

A collection account was added to my crediti report. I sent a certified letter asking for verification. I was sent verification with an amount owed with interest. Later I sent a letter certified mail trying to pay the bill and never was sent a response. Also the amount being reported is not the same on the verification letter.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: 21ST MORTGAGE CORP. (FL)

i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.
Consumer complaint received 2015-11-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (GA)

While my son was a student at XXXX University ( XXXX, GA ) from XX/XX/XXXX - XX/XX/XXXX, he took out XXXX Private student loans to help finance his education. These loans originated with XXXX XXXX XXXX XXXX, XXXX. and I am listed as the co-signer. Since entering into these original student loan agreements, these loans have been transferred/sold multiple times to various depositors/collectors seeking payment. XX/XX/XXXX, we received correspondence from XXXX - XXXX XXXX XXXX XXXX ( at the address of a relative where neither of us has ever resided ) requesting full payment of these loans. After learning of this correspondence, we immediately contacted this entity disputing that we had any type of loan agreement or arrangement with them and asked for the supporting documentation to substantiate their claim. At this time we provided them with our current address and telephone number ( which is the still same in present day ) as a means of contacting us with the requested information. To date we have yet to receive a reply from this entity. 

On XX/XX/XXXX I was served with a court summons where I am listed as the defendant in a civil court case ( lawsuit ) where National Student Loan Collegiate Trust XXXX is the plantiff seeking full payment for one of the previously mentioned student loan agreements. Upon further review of the court documents, I learned that this civil court case was opened XX/XX/XXXX with the documentation initially being served to an address that is not my current one, a different address from where the correspondence we initially responded to was sent. Upon asking for the requested information from the loan depositor/collector, we were then served with a lawsuit, a lawsuit from an organization that currently does not have any agreement in place with us as they have sold this loan ( investment vehicle ) multiple times themselves. In addition to this civil case, I have since learned that a total of XXXX civil court cases ( XXXX for each of the student loan agreements ) has been opened although only one has been officially served. The plantiffs in these other cases are National Collegiate Student Loan Trust XXXX and National Collegiate Student Loan Trust XXXX respectively.
Consumer complaint received 2016-03-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

Supposed debt is from a XXXX on XXXX/XXXX/14 ; discovered open collections while checking my credit score. Disputed & was informed by both XXXX and XXXX that the report of collection was erased. Now, 3 weeks later, I got a bill from Transworld for {$1500.00} and change. This is literally the FIRST communication I 've received from them EVER regarding this debt. Was still paying off XXXX bills a year ago & called XXXX to settle up with my tax refund. Was told my balance was XXXX and that I owed nothing. Asked for & received confirmation that this was correct. Not once in the last year have I gotten any phone calls or mail from Transworld, and now, AFTER the issue was supposedly resolved, they are telling me I owe over {$1500.00}.
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (PA)

To follow is a pasted a copy of the letter that I sent to Citibank. 
CitiMortage Customer Research TeamXXXX XXXX, MD XXXXDear Madam/Sir, Our CitiMortgage payoff statement quoted per diem interest of {$84.00} per day. 
CitiMortgage charged at the per diem rate of $ XXXXCitiMortgage charged us interest at this rate through XX/XX/2015. 
The mortgage was paid in full electronically on XX/XX/2015. 
The total CitiMortgage per diem interest charge was $ XXXXThe correct charge is {$2300.00}. 
Please promptly refund the remaining {$200.00} due and mail it to our new address listed above. 

I doubt that this is the first time Citi has issued an incorrect payoff that yields them an extra {$200.00} that they have not earned. I worry that there may be thousands of citizens who have been taken advantage of in this way. Most consumers do not realize that banking in our current post XXXX means that every number and every fee must be checked. Please look into this and let me know how I can help.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I ordered a refrigerator in a bestbuy store along with a 3 year protection plan and payment was made using my Bestbuy credit card. I cancelled the item before it was delivered. For some reason, the store missed to inform Credit card division about the cancellation and I got a bill from Citi cards. I spoke to the card division on the same day and did a conference call with the bestbuy store and they agreed their mistake and provided a confirmation number ( XXXX ) for cancellation. Later, I received another bill for some balance pending. I contacted Citi and Bestbuy store and they missed to cancel the service plan. They provided another confirmation number ( XXXX ). Still, I am getting calls from Citi and they found that a balance of XXXX $ not paid by the store. They added some late fees and asking to pay around XXXX $ to completely close the account. They also reported to the credit bureau and it already affected my credit history. I am getting atl east 5 calls from Citi everyday during my work hours and I am finding difficulty in connecting to the best buy store as most of the time, they place me in hold for a long time. Please help me in resolving this issue and correct my credit history.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

MY SISTER, XXXX XXXX XXXX, DIED XXXX XXXX, 2016 IN XXXX, WA. SHE WAS A CLIENT OF CITIBANK AND I AM THE EXECUTOR OF HER ESTATE. SHORTLY AFTER SHE DIED, I NOTIFIED CITIBANK AND WAS TOLD TO FAX THE IDENTIFYING PAPERS TO THEIR OFFICE OF DECEASED CLIENTS. I DID THAT AND THEN WHEN I HAD NO RESPONSE I CALLED AND WAS TOLD I HAD TO MAIL THE NOTARIZED DOCUMENTS : DEATH CERTIFICATE, AUTHORIZATION TO SERVE AS EXECUTOR, PICTURE ID, AND DEPOSIT SLIP IDENTIFYING THE ACCOUNT. I DID THAT ACCOMPANIED WITH A LETTER ASKING THEM TO SEND HER STATEMENTS TO ME SO I COULD CLOSE THE ACCOUNT. 
SO FAR THIS SOUNDS QUITE STRAIGHTFORWARD. NOT SO. THERE IS NO BRICK AND MORTAR FACILITY IN WASHINGTON STATE, ONLY ATM 'S. THERE IS NO WAY I CAN DEAL WITH THEM FACE TO FACE AND NO NUMBER FOR THE DECEASED CLIENT OFFICE. EVERY TIME I START WITH A SERIES OF PHONE CALLS I CAN GET NO INFORMATION ABOUT WHERE THE PAPERWORK IS. IT IS NOW FOUR MONTHS LATER AND I HAVE NO INFORMATION FROM THEM. I KNOW THERE IS MONEY SITTING IN THE ACCOUNT AND I NEED IT TO CLEAR HER BILLS. I HAVE NOT EVEN RECEIVED A STATEMENT FROM THEM. 
THIS IS LIKE YELLING INTO THE WIND. 
I HAVE NOW SENT A COPY OF THE FIRST LETTER AND A NEW LETTER TO THE XXXX XXXX DEPT THAT IS FOR STATES WITH NO WALK-IN OFFICE. 
CITIBANK NEEDS TO HAVE SOMEONE FROM THE DEPT. FOR DECEASED CLIENTS CALL ME AND DEAL WITH MY SISTER 'S DEATH. 
NO BANK SHOULD BE ABLE TO OFFER SERVICES ACROSS STATE LINES WITH NO OFFICE IN THE STATE TO HANDLE THESE PROBLEMS. I CAN NOT BELIEVE THIS DOES N'T HAPPEN ALL OVER THE COUNTRY AND THE PHONE ACCESS IS IMPOSSIBLE TO DEAL WITH.
Consumer complaint received 2015-05-08
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. ()

I wired money from my Citibank account in the XXXX to my XXXX account with a XXXX Bank in XXXX. 

After I made my wire transfer online and get the confirmation number, I was called XXXX times from Citibank to verify my identification. After all these XXXX calls, I was told that I had answered all their security questions and the wire transfer would go through soon and I just needed to wait here. 

Then I was called again by Citibank ( the lady actually hanged up on me ) that my online wire transfer can not get through, and I need to fly to another city ( XXXX ) with Citibank branch to get my own money back as there is no Citibank branch in XXXX. People refused to answer why I was treated like this this time as it never happened to all my previous online international wire transfers ; and they refused to answer what policy caused clients to go to another city to get their own money back. 

This transfer is from me to myself, the sender and the receiver are the same person and I have answered all their security questions, XXXX times. 

I believe it is not reasonable to treat clients like this, and the service people are very rude
Consumer complaint received 2017-02-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Short Story : They impound our taxes each month, which totals over {$11000.00} per year. Unfortunately, although they deducted the money from our escrow account, they never paid the second installment of our taxes. We had started the process of refinancing and our new mortgage company XXXX had to pay the taxes on our behalf. Now we owe XXXX {$6600.00} for taxes that were already escrowed by Nationstar. Nationstar is not returning the money. 

Details : XX/XX/XXXX : They record a deduction from our Escrow Account of {$6000.00} XX/XX/XXXX : Taxes are due to the County of XXXX XX/XX/XXXX : Nationstar Mortgage provides a payoff statement to XXXX showing that the taxes were already paid XX/XX/XXXX ( not exactly sure of the date ) : We settled a refinance with Nationstar XX/XX/XXXX : XXXX sends us a letter that our taxes were delinquent and that they paid them, including the penalty fee of {$600.00}. XXXX tells us that we now have to pay them back the {$6600.00} over the next twelve months. 
XX/XX/XXXX : Spoke with XXXX at Nationstar and opened a case, which she said would resolve in 5 days. 
XX/XX/XXXX : Followed up with XXXX at Nationstar. He has no news. 
XX/XX/XXXX : Spoke with XXXX who is able to see a tracking number for the loan payment, however that tracking number shows as 'Tracking ' XX/XX/XXXX : Spoke with XXXX at Nationstar . She was able to explain that the tracking number I was given was not a wire number, as I was originally told, but was a XXXX number. I am able to search the number and see that a label was created on XX/XX/XXXX, but nothing was shipped. However, that same tracking number is also used for a separate package that was XXXX from XXXX, TX to XXXX. It shipped on XX/XX/XXXX and arrived on XX/XX/XXXX. 
I was transferred to XXXX at Nationstar who promised to look into it. 
XX/XX/XXXX : Left a message for XXXX. 
Never got a call back from XXXX. 
XX/XX/XXXX : Spoke with XXXX at Nationstar. Finally got transferred to XXXX who was helpful. He investigated and said that the check was sent to the County of XXXX. The County of XXXX was returning it to Nationstar and they will issue us a refund. He said it would take a couple of days. He said it might take 5 days to process. 
XX/XX/XXXX : XXXX called me to let me know that a check was coming and gave me a XXXX tracking number. He said the check should arrive by Tuesday XX/XX/XXXX. 
XX/XX/XXXX : According to the XXXX Tracking number nothing was ever shipped. A label was created, but that is it. Left a voicemail for XXXX XX/XX/XXXX : XXXX never called back so I called him again and left a message.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (UT)

I called Citi Card Customer service because I got a late fee for being late one day since they did not send me a statement. They email it to me and I do n't have the password to the email address they have on file. I was on hold for over 45 minutes and when I spoke with Customer Service representative said that he could not remove the late fee. He transferred me to another representative and he said that he could not do it and put me on hold again then the line got disconnected. I call again and the same thing happened I asked for a supervisor and the supervisor said he could not remove the late fee either. I was even willing to set up automatic payment so that this does not happen in the future but they refused to take the late charge off my bill.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (PA)

Was encouraged to apply for forebearance instead of income driven repayment. Was never told that forebearance opportunities were limited. I applied for income driven repayment after doing research on my own. Now my husband lost his job and is struglling to find a new one and I am struggling to make payments having already missed a few and abput to miss another.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I started these loans in XXXX for career training. they were supposed to be 15 year loans. 

At the time, I borrowed about $ 68k. I was directed to two forbearance periods, each less than a year, due to health issues ( XXXX with XXXX ). While recovering, the school I attended went bankrupt, and no schools in the area offered the same training, so I could not continue. SM " credited '' me about $ 8k of the loan due to that. 
Even then, I have been paying this since XXXX, and even with a " credit '' my balance is still {$58000.00} as of XX/XX/XXXX. Paying 11 years and the balance has only moved XXXX???? 

I asked Navient when my interest would be paid out so that the loan would eventually be principle only. They told me it does n't work like that. They charge interest on the remaining balance, so I pay interest in the payment, and then it is calculated again, and added to the bill. In the history of my payments with Navient, two recalculations have added over $ 8k to my balance! This is not a loan ... this is line of credit or a credit card rules! Loans are supposed to have a principle and a set interest charged for the amount of that principle ... this keeps changing. This is robbery! 

At this rate, I will be paying this loan forever and my kids will have to assume it! this is so wrong on all levels! 

I am a veteran, I pay my taxes, I have been paying the loan and in 11 years I have only taken XXXX off the balance????? 

Please help! This is a nightmare!
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AL)

I opened it XX/XX/XXXX. It was reported to Credit reporting agency XX/XX/XXXX. It started with about {$5000.00} and now XX/XX/XXXX it 's at {$28000.00}, 26 years later. They, all XXXX CRA 'S, are still reporting, they, all XXXX CRA 'S deleted Dept of Education, XXXX, XXXX, now NAVIENT. Maximum years reporting has passed 7 and even 10 years. All CRA 'S deleted the Dept of education account, now the put it back on this is unfair, I would like this account deleted. They have the date opening for this account as XX/XX/XXXX, first reported, XX/XX/XXXX. 
This account was opened in XX/XX/XXXX as mentioned above.all conflicting dates. I disputed date of original opening and they all deleted this account. Now they have put I back on all XXXX CRA 'S. I am almost XXXX years young, lol, trying to rebuild my credit and they are purposely trying to mess me up
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

For months we have been given the run around with being double charged for student loans we paid off through XXXX. Navient calls daily with the same demand for us to pay student loans that have already been paid. ( FRUSTRATED ) On XX/XX/2016 I paid XXXX {$28000.00}. 
Navient has duplicated my student loans somehow. 
They have double charge me. Navient is showing XXXX separate accounts for me. 
We have paid these loans off. ( with the exception of roughly {$350.00} dollars ) Could you please help me as it is adversely effecting my credit score and causing my family and I an incredible amount of stress! We are trying to buy a home and these credit dings are preventing us. 
Please feel free to contact my wife or I. 
Thank you in advance for your help!
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (VA)

This company is reporting an outstanding debt with a balance on my credit reports as a charge off and judgment. They sold the debt to XXXX XXXX XXXX and that is who was paid. When I called Barclays Bank to ask why they were reporting the debt as an outstanding charge off and judgment they told me they have no information on the account because they no longer had it. This is very frustrating for me because they are still having the account reported with a balance as a charge off and judgment. The account number is XXXX.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WI)

Navient refuses to enroll me in the IBR plan. I submitted the required documentation in XX/XX/XXXX ... did not receive a response and then found out today that Navient had been sitting on the required payment documentation since XX/XX/2016. 

My spouse first had her payment cut significantly, and now lost her job. I can not pay my loans at the current rate. Navient REFUSES to allow me to enroll in the IBR plan. They continue to ask me to jump through hoop after hoop. For example, they told me I could upload documents to their website. After filing a CFPB claim in XX/XX/XXXX they told me it had to be faxed in. I assume the same will happen again. 

Please help me force Navient to allow me to enroll in this government mandated option.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

Hi, I obtained my XXXX XXXX XXXX, and subsequently accrued over XXXX in student loan debt with XXXX/Navient as my servicer. I took out the loans in XX/XX/XXXX, and I graduated in XX/XX/XXXX. Immediately after graduating I was unemployed so I was not able to make the incredibley high payment of almost XXXX a month. XXXX/Navient pushed me into forbearance and offered me no other options. I had a difficult time making payments for a full year and they pushed me into a bigger hole with higher interest rates and more debt because of constant forbearance. Since, I have a good job and make decent money, but my payments are still almost XXXX a month. I am able to make my payments, but I am now a home owner with a baby on the way. Navient will not work with me in any way. I have noticed that even after paying my student loans on time, every month, for years, my student loan Balance is pretty much the same as it was in XX/XX/XXXX. It appears as if some of my payments were n't applied to their respective loans, and suddenly vanished, on several occasions as well. Navient is a bunch of crooks and I do not know what I can do at this point. I have tried to consolidate to other companies but I have been turned down. Probably because Navient ruined my credit, and I have had a XXXX XXXX to build it to a decent score. Please help me
Consumer complaint received 2016-05-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I am very sorry to make another formal complaint against members of the Navient 's collection department but they are quite disrespectful towards me when I make a payment. Consumer service reps including XXXX and XXXX was very disrespectful. XXXX did not understand proper XXXX and talked very disrespectfully towards me. Meanwhile, XXXX seem to have a problem with me on a personal level. However, supervisor XXXX XXXX openly stated that he would go to bat for his employees despite their disrespectful statements because he did not believe they were in the wrong XXXX XXXX was openly trying to gaslight me as woman and trying to talk over me. He openly expressed that he felt that I was problematic for standing up against his disrespectful staff. I felt that dogs respond better to my questions than most of the staff at Navient. Personally, it seems like many people inside of the Navient 's collections department do not want me to make payments towards my loan.
Consumer complaint received 2016-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. ()

There is a considerable discrepancy - {$2000.00} to {$4000.00} - between what Navient [ the company that is now managing the loan ( but not the original loan provider ) claims I owe and what I actually owe ; I owe $ XXXX to XXXX less than they claim. Despite my repeated requests, Navient has failed to trace the source of their error, because they have only partial records of the loan history. Despite my repeated attempts, they have failed to produce the complete documentation of my loan history, nor do they have the original loan documents. Their is no record of the first repayments I made, and other payments, that are recorded, went towards repaying a lower-interest incuring loan, when a loan that was incurring higher interest had n't been completely paid off. In short, my loan has been mismanaged, either by Navient, or the company that was manahing the loan before Navient ; and they seem to have a very partial record of the loan history. I believe my outstanding student loan debt should be erased.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

My private student loans through Navient were in a repayment status with a reduced interest rate which made my payments affordable. Without my consent or knowledge they pulled my credit and determined I was able to make full payments. My credit report tells them that I have been working hard to pay on time, it does n't tell them that I can afford to have my interest rate increase to 10 % from 1 %. I was pushed to make a payment which was 25 days late ( because I could n't afford to pay the new monthly amount ) in order to be considered for an extension on the reduced interest rate program. After the representative noted I had made the payment, then she noticed that I was not eligible for any repayment options and that there was not a supervisor to speak with. Her employee ID is XXXX.