davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

They will not work with me on my student loans despite acknowledging my lack of income as compared to previous income ( after job loss I had to start over in the job market ) .. I was never informed that I could 've done income based payment options until I was out of fierce stance options. I never knew there was a limit to the amount of forebearance you could do on the loans. It was always offered to me when I was behind and I took it not knowing the consequences over the long term. Now I 'm in need of forebearance due to income and it will not be awarded nor can I afford the payment amounts they have offered.
Consumer complaint received 2016-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

After suffering through a period of unexpected unemployment I contacted Navient to attempt to get my loan back on track. I made arrangements to pay via a " XXXX pay '' program which would put my account back into current status after XXXX scheduled payments. I gave them my bank account information and assumed that that would be the end of it. 

The next day I started receiving phone calls saying that something had gone wrong. I was finally able to get in touch with them again the next week. I was told that the automatic payment needed to be setup again, so I did. The automatic payment apparently failed again, and I started receiving calls from them about this a couple weeks later. I know that the account information I provided was correct and there were funds in the account at the time. 

I suffered another financial set-back that put my bank account into overdraft shortly afterwards, so i had to wait to weather that before contacting them again. 

I tried calling back as soon as I knew when I had the funds available but I was told that unless I made a payment that day of XXXX $ XXXX would not be able to prevent litigation. I was then forwarded to a " XXXX '' who was extraordinarily rude and confrontational. I explained the fact that my autopsy had failed for unknown reasons and that 's i could make a payment in XXXX weeks. In response she accused me of fraudulently providing them an incorrect bank account number or not having funds in my account. She continued to berade me for my inability to " balance my checkbook '' even when I explained my financial hardship and recent unemployment and repeatedly accused me of fraud. When I requested to speak with her XXXX or any other superior she refused to allow me to speak to them and threatened me that they would receive a file on the pending litigation instead the next morning. 

When she did nothing other than continue to yell at me while I attempted to ask her about alternatives to litigation, I hang up and called their customer service number again. I stayed on hold for an hour before I had to hang-up to return to work. 

Navient seems to be unable to accept payments from my bank for unknown reasons, has XXXX who are only interested in berating customers who call to attempt to make their account current, and has wait times that make it impossible to get ahold of them during their office hours without missing work.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Unified Global Group (MI)

I received several calls from a company called Unified Global on a debt I believe to be payroll advance but I am unsure. A XXXX XXXX said this was my last chance to settle debt or he would tale me to county court. He was talking in intimidating manor and several vailed subtle threats about garnishing wages etc however i am filing for XXXX and have no job. He left message on my phone.
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

My parents have been paying my student loan for the past 5 years. They accidently overpaid the student loan by mistake ( were supposed to pay another on-line bill pay company ) and it 's been over 3 weeks and the student loan servicer refuses to expedite the return of the overpayment. it 's currently a hardship on my parents. I was told several conflicting answers on how the repayment of this overpayment would be handled
Consumer complaint received 2017-01-28
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK (TX)

Have XXXX damage claims with Midland Mortgage, one XX/XX/2016 and the other XX/XX/2016, and they wo n't release insurance checks for repairs. Contractors turned me down on XX/XX/XXXX claim, which will soon expire, due to Midland Mortgage actions. Contractor sent all documentation for XX/XX/XXXX claim day we signed contract, plus I resent and Midland Mortgage continues to say have not received, which has presented contractor threatening to sue for work completed. Please read customer reviews on Midlandmortgage.com to find this is the way they are treating all their customers. Our only way is to refinance and that 's not fair. My insurance agent says that many checks have already expired due to Midland Mortgage unorganized mess. Do they not understand we ca n't take care of repairs without " OUR '' insurance checks.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NC)

XXXX education mislead me on taking out this loan for my son and now I have this loan in my name and ca n't make the payments, It started out at XXXX and is now {$150000.00} with AES. I could n't ever pay this loan when it started back in 2006 an I still do n't make enough to pay it now. I do n't know what to do and AES has never tried to work out a solution. I am XXXX XXXX XXXX an I can only work part time because I have XXXX in my XXXX and XXXX in my XXXX I also have XXXX in my XXXX for XXXX. Every time I talk to someone about making payments that I could afford they just stick me in forbearance. I am frustrated an worried to what will happen because I ca n't pay this loan. The schools financial office totally mislead me on the loan saying that I 'd be taking out this loan to help my son and when he graduates he will be able to take over this loan because they said they would help get him a job after graduation. Needless to say after graduation they just brushed him off. It took him 4 years to even get into his field. And with all the XXXX XXXX loans he also had to take out he has to pay them, so he has n't been able to help me with this loan. The school new I did n't make enough money but they said my son would make enough money after he graduates. 
He barely makes enough money to pay the loans he has and cant help me. 
If you can find me a solution I would greatly appreciate your help. The schools financial office totally mislead and kept pressuring me to signed for this loan. HELP
Consumer complaint received 2015-03-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (KS)

XXXX XXXX XXXX calls me and my cosigner multiple times per day. I have advised not to call multiple times per day and they continue to do so from different numbers. They also have multiple individuals break on the time and take over the calls without notifying me that they are changing. They are pulling up my credit reports and telling me to not pay my car note or insurance and taunting me about what I can pay or can not pay.
Consumer complaint received 2015-06-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I have had an exon/mobile gas card since XXXX. I have never missed a single payment. 
In XXXX of XXXX I asked exxon mobile if they could raise the credit limit on my exxon mobile gas card. They said no. 
In XXXX of XXXX they sent me a new " smart card '' ( expires XXXX ) and my old card stopped working. 
Today, ( XXXX XXXX XXXX ), I tried to buy gas with my mew smart card and it was declined. I called exxon mobile and they told me it was cancelled because of inactivity and that I would now have to apply for a new card. 
I was given zero notice of this until I was sitting at a gas station unable to buy gas. 
by lowering my available credit this hurts my credit rating.
Consumer complaint received 2015-11-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (GA)

I had a loan taken out to help with school from Citibank. The loan went into charge off status XX/XX/XXXX. XX/XX/XXXX Citibank reported to the Credit Bureaus that I made a payment. Then XX/XX/XXXX, they reported that I missed a payment. I have not made a payment to Citibank since the account has been in charge off status XX/XX/XXXX. I tried to contact them but they do n't have a contact number, just a fax number. I faxed them and ask them to update the information. Instead of them updating it correctly, they reported to the credit bureaus that my account went into charge off status XX/XX/XXXX and then fraudulently reported that I have been making payment since then. Then fraudulently reported that my account went into charge off status again XX/XX/XXXX. As you can see in the supporting documentation XXXX, they are reporting that I have been making payment since XX/XX/XXXX, but at the bottom where it says " account history '', it says " DPR ', which mean date payment received, they report " ND ', which means no data. You absolutely right there is n't no data because there never was any payment made. When I call Citibank customer service, they also verify that I have not been making any payments but since they are not the credit dispute department of Citibank they ca n't help me.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: QUALITY ACCEPTANCE LLC (CA)

XXXX XXXX XXXX is disputing Quality Acceptance LLC claim that he owes them any debt because Quality Acceptance LLC has failed to produce a valid contract between XXXX XXXX XXXX and Quality Acceptance which obligates XXXX XXXX XXXX to pay them a debt. This is not an issue of identity theft but a fact that Quality Acceptance is not the holder in due course and is in violation of the Fair Debt Collections Practices Act and other Federal Laws. They must show a valid proof of claim of which they have failed to do and they have also deprived XXXX XXXX XXXX of property without due process and without a warrant to do so.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A. (PA)

I had a credit card account with Citi Bank. I recently turned over my credit card debt to XXXX XXXX XXXX as I became insolvent. I changed my profile information on my Citi Bank account to the contact information for XXXX XXXX XXXX. However, Citi Bank began calling an old number they had on file for where I once lived some years ago with my sister. 
Citi Bank is now calling my sister 's telephone number multiple times day and night and weekends. 
My attempts at contact with Citi Bank have failed.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I signed up for a Citigold checking account with a promotion for XXXX XXXX miles XX/XX/2016. I completed the requirements for the promotion XX/XX/2016 and contacted Citi to verify. I received a message from Citi stating that I 've completed all requirements for the promotion and would receive my miles within 90 days. After those 90 days passed, I contacted Citi and they did an investigation and concluded that I would n't be getting these miles. I was told in a written letter that I would be getting these miles and now that it 's time to hold up their end of the deal, they are trying to back out. This is outrageous and unacceptable.
Consumer complaint received 2015-12-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NY)

I have a creditor by the name of Citibank I 'm currently 15 days past due to pay my credit card and they continue to call me during unauthorized hours. 

Today Sunday XXXX XXXX 2015 I have received XXXX calls from CitiBank attempting to collect the past due balance. 

First call XXXX Second Call : XXXX I have told them numerous times currently and in the past that this is illegal and harassment to be calling me on a Sunday.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Carter-Young, Inc. (GA)

Carter Young is attempting to collect a debt in the amount of XXXX. Carter Young violated the privacy act HIPAA buy disclosing my personal clinical information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client. I plan to seek a suite against this company for disclosing my personal medical information and breaking the HIPAA privacy act. Also, I have this claim in current dispute with XXXX XXXX as I do not owe anything.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

I am writing this complaint due to the issues I have on XXXX/XXXX/2017 while calling the company who services my mortgage. I tried setting up our account online only to be told my account did n't exist. I then called Selene Finance and the rep who is attached to us was n't available so I help for customer service. The gentleman was very rude in telling me I should be happy the company is even working with me with me being so far behind on my mortgage. I then told him that I have no idea why he was making those comments to me being that we had just finalized our modification on the XXXX/XXXX/17 and the payment was made on XXXX/XXXX/17 of {$890.00}. He then continues to be rude and tell me I could n't talk to anyone and he would send a message for someone to call me back. Well that never happened. I even called XXXX our loan specialist and left a message for her on XXXX/XXXX/17 with no response back and today is XXXX/XXXX/17. I also left a message today but have tried at least 10 times to get a customer service rep but it wo n't even send me to anyone else even just a regular customer service rep. I 'm not sure what is going on but I do know that every document that needed to be signed was signed and dated by the due date and the payment was made on time. I do know that I am tired of going through the same things with this company and the treatment is so uncalled for. We have done everything asked even when you did n't hold up on your end. Just like you sent us a 1 day envelope with a 2 day posting. I even told XXXX about that and was told to not worry about it as long as the documents were dated by the time they were suppose to be. I was also told she saw the payment and everything would be fine. Well now I 'm finding out otherwise and not XXXX person will call us back. This is not how you should treat your customers.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (TX)

This is related to Paypal credit, In 2013, I signed up for Paypal credit and used it to shop online. My paypal account is connected to my bank account, and in the first few months the credit balance was automatically charged out of my bank account. However, it seems that they changed this setting along the way without my permission. So I was shopping online while my credit bills were not paid, and they did not send me any emails about this. I had a {$500.00} credit there and used about {$200.00} of it, thinking all the time that bills are automatically drawn from my bank account. 
Then after a few months I get a letter from a collection agency. Turn out that Paypal ( or their partner, synchrony bank ) charged me about {$40.00} for late fees each month, and then charged off the whole balance ( {$200.00} spending + {$300.00} late fees ) and sold it to a collection agency, which hugely affected my credit score. 
I ask you to please look into this, and let me know how I can get rid of this debt. ( I have no problem re-paying the {$200.00} that I actually spent )
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I have had a student loan with XXXX XXXX ( now Navient ) for about 10 years now and recently have been reading about a lawsuit out against them. I realized this applied to me in many ways. Over the years I have called Navient explaining how it has been an issue paying their monthly charge, and they never did anything to try and solve the problem. Even when I came back to them explaining their own solutions on their website about income based repayment options and just interest payments, they claimed that was not an option for me. At one point they told me my best and only option was to go into forebearance, and being XXXX XXXX XXXX XXXX XXXX me, I did it, adding XXXX dollars to the principle of my loan. This all could have been avoided if they just took the time to understand my problem instead of finding ways to get more money out of me.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

I have disputed with XXXX collection agencies and XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information and verfified the debt has been paid. How is it possible for the bureau to get away with this? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX under past disputed CFPB case XXXX and XXXX received from different agencies. Now, I am in receipt of a new request from AFNI , Inc .
Consumer complaint received 2016-08-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: MIDFIRST BANK (OK)

A trustee withdrew all money from a checking account, my count {$190000.00}, FBI 's count {$190000.00}. He was indicted for fraud, and I was awarded more than {$380000.00} in the civil case XXXX XXXX, XXXX. He pled guilty XXXX XXXX, XXXX, His first federal court appearance was XXXX XXXX, XXXX, and police reported he died that morning. The indictment was dismissed. He was not punished. I received no restitution. The present trustee will not show statements, and I may be about to lose another {$200000.00}. The bank is powerless to stop it. The trust provides the bank ca n't show me statements or allow my transaction. It 's a clever, legalized stealing scheme no one here has seen.
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I XXXX XXXX signed an agreement with Navient during 2007. I signed the application using my mother 's name XXXX XXXX without her knowledge. During that time my father and only sibling were XXXX, therefore I did not want to ask my mother as she was dealing with that unfortunate situation but nevertheless I was wrong. I have forwarded a signed letter acknowledging that my mother knew nothing of this loan and I am fully liable also it matches the signature on the application in which Navient sent my mother a copy. Also if they view the signature on the domicile that my mother informed me she has forwarded several times to Navient, the signature on the application does not exactly match the one on the domicile in which she forwarded, that is because the signatures on the application are both mine not XXXX. My mother indicated Navient keeps stating that the documents were returned authorizing the agreement, but what they seem not to comprehend is the address that the documents were sent to is n't my mother 's address, it was mine. She spoke to their fraud dept she said upon discovering on her credit reports. She spoke to XXXX XXXX and then I am guessing they changed their name then Navient. 
Well this company has this XXXX loan on my mother 's ( XXXX XXXX, which I attached she mailed to me ) and myself credit reports XXXX times, the same XXXX account is showing XXXX times. They indicate the loan was issued in XXXX parts, I do not recall anything about the loan being issued in XXXX parts but it was still XXXX loan and should not be on the credit reports as if it were XXXX loans, that 's also fraudulent credit reporting. It was XXXX loan. Please look at the dates and all of the information for the XXXX accounts that they have documented on the XXXX credit reports it 's the same loan in which they have massive increases different from the loan agreement. Also, if you review the XXXX credit report attached, it is the same loan, however, they are documenting different dates and amounts. So, I was wrong but they are also committing fraud. I am again asking them to remove the XXXX accounts they have listed on my mother 's credit report and to remove the fraudulent accounts that they have on her XXXX report.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (IL)

I have repeatly applied for Credit and have been refused. My Ex-wife sold me property under a fraudulant Document. I filed for divorce and paid the court ordered support. I have been told if I want this harassment to end I would have to remarrie her. She has abused me financially since 1969. Presently I ca n't get a Credit Card. It seems as if I am a Target for Fraud.