davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-10
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A. (MN)

An agent from One Main Financial in XXXX Minnesota opened an ac for me, I had indicated to him that my husband had an ac with them which I cosigned and I wanted to open my own to which he said I qualified after verifying my credit history upon signing my disclosure statement I realized that the amount was more than I had been given to which I was told since my name appeared on husband s ac his balance will appear on my new ac until its paid out little did I know that he had closed my husband s ac after he received his paid out disclosure notice we called the bank and they were looking at ways to reverse the situation 2 days after this inquiry I called again and was told it was 14 days after and there is nothing they could do, as if that was not enough my husband s ac was debited of this loan payment despite the fact that this was a different account his had been closed and payment date was different the bank was called and they indicated to him that this was the voided check I had presented to them suggesting fraud on my part really then when I contacted them they apologized and I asked me to present copy of my check ( VOIDED ) I did but they again this time debited his ac and also mine different dates but same ac called them again and accepted the mistake and promised to e send a check back for credit and shockingly my husband received a letter sting that he had authorized them to take payment from his ac so no check refund from them so unprofessional customer service and disapointing that I now carry this big loan I did not apply for and cat get help and still getting messed up every time. this needs to be stopped
Consumer complaint received 2016-11-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (CO)

I took out a second mortgage with Bank of the West in XXXX. I just recently refinanced my first mortgage and consolidated the second mortgage as well. when I call to get a balance, it did not seem correct. I requested a print out of payments of my account. When received, I noticed that there were XXXX payments never applied in XXXX as well as other payments not applied correctly. Through 4 weeks of phone calls, messages not returned, I was told by them that they were looking into it, then it was sent to the wrong department, then someone else was assisting. I let them know I was refinancing and needed this resolved as it was going to be paid off shortly and still no one contacted me back. Now the loan is paid off and I am still fighting with them to audit my account as I believe they overcharged me and owe me money in return as there were payments made that were never credited to my loan. I was told by the final person that was supposed to help me that it looked as if I was ahead and to not bother having an audit as I may end up owing more than they are showing and to be happy with the balance due although they could not put it on paper to show me a proper print out of the payments.
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

I reviewed my credit report, and notice that AFNI was reporting a collection account that did not belong to me. I initially reach out to AFNI requesting this account be removed or proof that this account belongs to me. Instead AFNI sent me a computer print out with someone else name on the documents. I later followed up with two more letters requesting this alleged debt be removed from my credit report or proof that it belong to me. I have not received any documents showing this debt belong to me and the collection account is still reporting on my credit report.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Balance transfer — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I recently had XXXX unauthorized balance transfers appear on my Regions Visa credit card statement. XXXX transfers were from XXXX and XXXX from XXXX. I do not have a XXXX or XXXX card or account. XXXX credited one charge but not the other one. The first transfer occurred from XXXX on XX/XX/2017 in the amount of {$2600.00} plus a transfer fee of {$79.00}. The next transfer from XXXX occurred on XX/XX/2017 for {$2400.00} with a transfer fee of {$73.00}. This transfer was credited back on XX/XX/XXXX. XXXX made a transfer on XX/XX/XXXX for {$1500.00} with a fee of {$47.00}. I made a complaint with Regions and received today a notice stating they found no error and are not correcting the fraudulent charges.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CA)

AFNI is reporting to the XXXX major credit bureaus ' negative information about an account that I did not open. I sent them a request for a validation of the debt and they did not respond within the 30 days required. I have disputed this error to the credit bureaus ' and AFNI continues to keep this on my credit report.
Consumer complaint received 2017-01-23
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 recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called XXXX XXXX, and Navient, and XXXX XXXX, and Navient again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoke to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though XXXX XXXX and Navient have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AR)

I have filed a borrower 's defense application against XXXX. Navient oversees my private loans that are apart of this borrower 's defense loan. In addition, within the past year Navient has, without a reasonable amount of notice, increased my monthly payments from XXXX to XXXX dollars a month. I am constantly having to put my loans in forbearance and save up for the XXXX dollar payment, meanwhile they are reaping the benefits of their high interest charges on two separate loans of 9.5 % and 11.5 %.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have a credit card with Citibank Visa and I submitted a dispute on a charge. There is a dispute center on their website and a message center. However, when they put very important documents out on the website for me to read, XXXX of these XXXX logical places to retrieve this information were used. They hide the documents so that I wo n't be able to locate them in order to short-cut the dispute process and not assist me in settling the dispute with the company. I feel this is deceptive and does not provide the cardholder logical and reasonable means to address items that need to be completed in order to respond in the dispute process.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GVA Holdings, LLC (CA)

I received a call from a man stating he was an attorney wanting me to call a number because of a bounced check. I called the number the lady was rude she said I was a liar and I furnished them with a check from XXXX XXXX XXXX I do n't have an account and a pay check stub. and that I could n't file fraud because I did n't have a police report I told her how can I file when I did n't have anything to file. the phone number of this company is XXXX claim number XXXX. I called the federal trade commission and they forwarded me to you. They said they are taking me to court and if I do n't show up I will have to pay triple of what they say I owe
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

I have attempted to contact Navient multiple times to change the amount I pay each month regarding my school loans. XX/XX/2016 I took a paycut of about {$20000.00} in income. Since then I have been struggling to make my payment each month and since I am on a income based payment plan I have tried to update my income with Navient. Each time I call in the say they will send an email with instructions on how and where to adjust my income. The email I receive does not show me where I should go on their website and takes me in loops when I follow the instructions provided in the email. Therefore, I have been late on other bills and payments to other institutions since my school loans are pulled automatically and I ca n't afford the amount I pay each month. Contacting Navient has resulted in the same email with no help from whomever I speak on the phone with. I have given up on trying to contact Navient and am attempting to struggle through each month. 

I also have difficulty understanding the amount I am being asked to repay. When I have called in to Navient, the customer service reps have been unable to explain why different loans have different rates. I feel as if the people working with Navient are not versed in the basic information I need to answer the questions
Consumer complaint received 2017-02-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (UT)

Debt collector " IC Systems '' sent a letter dated XXXX XXXX, 2017 notifying my daughter XXXX XXXX that she owes {$93.00} on a medical bill. IC Systems is collecting on behalf of XXXX XXXX. XXXX left XXXX XXXX 2017 to XXXX for 18 months and is out of state. 

ON XXXX XXXX, 2017 I called XXXX XXXX and confirmed that the debt had been paid. I then called IC Systems. 
I was very concerned that while XXXX was gone for 18 months that her credit remained in good standing. I told the representative that I was inquiring about why they sent the letter. The representative told me that if I was n't XXXX they could n't tell me anything. I told her that I was XXXX 's father and her legal representative while she was out of state on a 18 month XXXX. The representative became hostile and rude, and insisted that even though I was acting in good faith and was XXXX 's legal representative, she could not confirm the debt collection information or reassure me that the debt had indeed be paid off according to the Doctor 's office. I told her that I thought her actions were not right and that if her company sends a debt collection notice, when the legal representative calls to inquire, the debt collection agency has an obligation to confirm the debt amount, if owing. She insisted she could not, I told her I would then call the FTC and file a complaint. She said " Go ahead ''.
Consumer complaint received 2016-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I graduated with my XXXX degree in 2009. I began to repay my student loan. A company called Navient, XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX, called me and stated that they can lower my monthly payments and also put me in the Loan Forgiveness since I am a XXXX. After doing this the Federal Loan Servicing began to send me letters that I was late on my payments. I pay everyone on the XXXX of every month since that is when I get pay. They misrepresented themselves to me by telling me that they where going to help me. I paid them a fee and I still did not get what they promised me. I would like to get my money back. I have to pay late fees because they used to send the payment to XXXX late. Also my school is under review and is closed. I tried to enroll with XXXX and they told me that my XXXX degree was no good for them. Please advise and, Thank you.
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (AZ)

Caller id says gila Corp but when answered it is a message instructing me to call an XXXX nimber for " municipal services ''??? Well I have no idea who this company is and according to my credit report which is free of collection items that I do not owe, then there isbnobreasoj for me to call the number. On XXXX/XXXX/2015 this number called me three times. They call once a day but they called three times at XXXX, XXXX, and XXXX
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

I was assisted by my school XXXX that is now closed and turned out to be a scam school to get a loan through XXXX. Once I had graduated from the course which I was told credits would transfer and I would be able to use them, for a real college which was a HUGE lie it was time to pay back the loan. Due to hardships such as a lost job, car trouble or just other surviving expenses I routinely would return the call of XXXX\navent after them calling 50-100 times a day asking them how they could help me pay back this loan that I had taken out in XXXX that was for about XXXX. Each time I spoke with them they suggested putting my loan into deferment \ forbearance to caltch up with my late payments, I had several family members call also to help me get ahead of this now daughting XXXX dollar loan that I am trying to STill figure out which would be the easiest cheapest way to pay off this loan. Ive called XXXX\navient several time in the many years of dealing with this loan and was always told I did not qualify for my payments to be lowered as well as told I was not making payments on loans when I was in fact sending in payments that where only going to XXXX of the XXXX parts of the loan which caused me to fall even further behind on this loan. Yes it was my fault for letting the issue go but when you have to pay rent have a car payment and have to put gas in your car to get to work so you have money to put food on the table for yourself and kid I think its crazy to tell someone that they do n't qualify for lower payments for the past 11 years and only up until I called them in the last month and stated I had a child which I had in the past did they give me the option of lower payments which a longer time frame of having to pay off the loan .. How do these companies expect people to ever get a head, I filled for bankruptcy last XXXX just to try and start over but I feel like this loan is just the one thing holding me back from getting my finances together. I would really like to know why it took so long to offer me any sort of lower payment solution when there was in fact after doing research a law passed in XXXX stating that student loan companies had to make it easier to pay these loans back, also still instead of trying to help me pay this loan they offer putting it back in deferment like its the best deal in the world when in reality its just making me owe them more money ... Please help me take this burden off my shoulders that I have had since XXXX and tell me what 's the best pay to way off this loan without having to go broke in the mean time ...
Consumer complaint received 2017-03-28
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 (TX)

Jefferson Capital Systems has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/XXXX and XX/XX/XXXX with no response. I never received a letter or statement from Jefferson Capital regarding this issue. The dates stated on this account are innacurate. I did not open an account with XXXX in XX/XX/XXXX. I have not had any dealings with XXXX since XX/XX/XXXX and the account was settled. This account seems to be closing and re-opening on my credit file. This company is stating that I owe the amount of {$830.00}, but no proper validation has been received. I request that Jefferson Capital verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2017-02-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP (NJ)

I cashed US Savings Bonds at Valley National Bank, XXXX, NJ. Upon receiving my XXXX from the bank one was recorded for the whole amount and not excluding the principle. I have called the banks customer service, spoke with a branch representative, wrote their executives and have yet after over a month received a corrected XXXX. Here is the text of my email on XXXX XXXX and resent second request on XXXX XXXX. 

XXXX XXXX XXXX - President Valley National Bank : Dear XXXX, I usually write to XXXX XXXX when the occasion arises however, I decided to give him a break. Unfortunately, as a Valley customer and shareholder I continue to have issues with the bank except when I go to the XXXX XXXX Branch. That said I cashed numerous US Savings bonds that are now maturing after 30 years. Last year from mid-year on I cashed XXXX, this year will be XXXX at XXXX per month. I cashed all in XXXX XXXX except XXXX and XXXX of the XXXX cashed in the XXXX XXXX XXXX branch was incorrectly recorded. Why I know and why it sticks in my mind is that although I have multiple relationships with the bank, put my driver 's license through your system and opened the accounts in that branch the CSR proceeded to demand ID and she even wanted my Social Security card which I do not carry. This is all even with me depositing the proceeds into the passbook opened in that branch. Please see below. 

On the VNB XXXX received the bond number is XXXX and the amount recorded is {$110.00} which should have been {$90.00} since the bond at that time was a {$50.00} bond that you paid {$25.00} for hence the principle amount. On XXXX XXXX after a long and arduous conversation with customer service they connected me with XXXX from the XXXX branch. After discussing the XXXX at exhaustion she agreed it was wrong and put me on hold, made some calls and when she came back advised I would be getting a revised XXXX. Well today is XXXX XXXX and I have yet to receive a simple correction. Sadly, the additional {$25.00} shaves off {$15.00} additional off my refund. It is a miniscule amount but why should I be penalized for the poor work on behalf of a VNB employee, would you not agree? 

Before I go further, I am respectfully asking for your help. 

Very truly yours, XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I had never been informed of income driven repayment or even a suggestion to talk to my accountant about filing separately from my husband so only my income would be considered. There is no way we can move forward in our life financially with me paying over half of my monthly income towards Navient. He pays all of the normal household bills and I take care of my student loans, however we are unable to apply for a mortgage due to my massive student loan debt taking a large chunk of my income. As a result almost all of my other loan repayments are delinquent or nonexistent. I was also never informed my cosigner could be released. When I would call to try to lower my payment, I was talked into a forbearance and now owe about XXXX additional due to this misguided information.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I have had a student loan for a number of years, in the last few years I have had to take care of my child on my own and am homeless, living with family. As of XXXX XXXX, I have been laid off from my job. I have tried to request deferments from Navient and have either not been answered ( the case with the last XXXX applications ) or they tell me ok you can have it only to send me a massive bill the next month. They now tell me that my minimum payment is over {$800.00}, and that I owe over {$20000.00} and I never borrowed more than {$12000.00}. I never had these problems when XXXX XXXX had my account. I am not trying to get out of paying my debt, I simply need help at this time. I attended XXXX XXXX College as well as the University XXXX XXXX Florida
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I attended XXXX XXXX XXXX XXXX in 2009. They are a school who of course offered to find you work once you graduate and, in whatever I originally signed, a person is not to attend grad if you owe money. 
During my attendance, I went to ever financial meeting and they always told me everything was okay, all the school needed to do was turn in my XXXX XXXX paperwork for my final loan to go through and I was good to attend grad. 
The day AFTER grad they called me to the office and said I owed {$5000.00}. I asked why I was able to go to grad if that was the case, but they only kept saying " well you still owe us money so you are n't getting your XXXX '' I still have n't told me family because I 'm so sad. Every time I call or visit to ask for paperwork on my years attended they never call back or ignore me and I have never recieved anything regarding my case in the last 5 years. 
I am not the only person this has happened to and it has only happened to minorities.