davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

For 12 months I was on an automatic rate reduction payment plan with Navient. In XXXX 2016 I noticed my Navient account sent me a note of a late payment. I called them immediately was advised and assured that my account was not delinquent and with the next payment my account would be current. My XXXX payment went through and the same noticed appeared on my account. I called again, expressing my deep concerns due to working extremely hard for my credit score and that I would not want an error to appear on my credit report. The Navient representative went through my account and advised that my account was set up properly and payments were being allocated correctly. XXXX 2016 I check my credit score and fico score and saw that my score dropped XXXX points due to my Navient account reporting as XXXX delinquent!! I called Navient immediately after being transferred numerous times the final representative confirmed that the error was due to a miscalculation with the account being set up on Navient behalf. I advised that an immediately notice be sent to the credit bureau of this error. XXXX & XXXX 2016 I checked my score again with little to no difference made to my score. I called Navient again to advise that no resolution was made with my score and that this was affecting my financial future! It was then I noticed that Navient was also charging me late fees on top of this error that occurred on their behalf! My account was adjusted and was advised that another 25 days would be needed for them to do a full evaluation to my account to submit the " XXXX portion '' of the dispute to confirm that my score dropped indeed solely on their behalf. Since then I have seen no difference to my score and no next steps from Navient on a resolution on correcting their mistake. I have also placed a dispute with XXXX to also look into this.
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. (IN)

I recently switched banks. When I went to change my bank account that was setup for autopay, I put in the new account information and everything seemed fine. I then find out several months later that Navient had flagged my account for fraudulent activity. None of my payments had been processed and they were telling me that I was behind on payments. I then went to check the autopay settings and my bank account information had disappeared. When I tried to re-enter my account information it said that the account was flagged for fraudulent activity and that I needed to have my bank send their fraud department a letter stating that it was my account. I called my bank to inquire if Navient had ever tried to withdraw the money, my bank said that they had not nor had they tried to contact them in any way. I had my bank send them a letter certifying that it is my account over a month ago but they still have my account flagged for fraudulent activity and wo n't let me pay with electronic withdrawal. I have tried contacting their fraud department numerous times but nobody ever answers and the calls just redirect to their overseas call department which are no help at all.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I called to get help lowering my payment because one, I have n't finished my degree and two I was unemployed and had a baby. All times they told me to fill out a forbearance letter. Thus adding more interest and higher payments. This happened more than twice. I was not informed of other options. Now I am left with more interest and higher payments.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Navient Solutions, LLC. (CA)

I am requesting that you remove the negative reporting on my credit report from lender XXXX. It has been over 7 yrs and they also in correctly reported that I was 120 delinquent on my account when the account was placed on hold due to being in school full time. Please remove from my credit report should not have been reported in the first place. 
Thank you, XXXX
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

My loan is in default but not by my fault. Navient is horrible. They were taking my loans out whenever they felt like it, up to 4 days before the date I had chosen with the original loan holder. It was causing all kinds of hardships like overdrafting my bank account. I contacted my bank and told them Navient was not abiding by the original agreement I had with my school loan lender. I never made any sort of agreement with Navient. It turns out that Navient had no right to be taking anything out of my checking so my bank stopped allowing the payments. I 've tried to contact Navient but they never email back. I do n't have a phone. They send mail to the incorrect address. An address that I have never lived at or provided to them or anyone. A family member owns the house and just send everything back return to sender. I 'm currently in bankruptcy due to my school loans that I have paid on time for the last 13 years, never missing a payment until now. The payments I was making is well above 15 % of my income. My bankruptcy lawyer just tells me it will cost me more to dispute my loans than to just pay them. I do n't have any money at all. My lawyer says it will cost me thousands extra to go to a separate court to dispute the loans and it 's too hard to prove. My lawyer is just plain lazy. What can I do to get them included in my bankruptcy? 
Is there anything I can to since my lawyer wo n't do anything or even advise me? 
Also, Navient has no right to be sending mail to an address that I do n't live at, never have and the person is angry for mail being sent there. I have never provided Navient or anyone else of that address. 
Now I am received phone calls to numbers that were never provided to Navient or to anyone else. I received 4 calls in 5 minutes. They broke a privacy law by calling my cell. I never gave this number to anyone at anytime. XXXX also agreed that a privacy law was broken and would like to know how they obtained the cell numbers as it was not public record. Both numbers are on the donotcall registry.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (KY)

XXXX XXXX were disputed and deleted from my files back in 2013 and last month they were re inserted to my credit reports. I disputed the matter with XXXX and Equifax. I explained to them the situation and they told me they would take this matter to a manager and have it immediately removed but instead I have waited over 30 day for a response from them and now knowing this information was deleted they said the results of my investigation says it belongs there. that means that they did not investigate throughly and the credit management at Equfax is not doing their job properly.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

citi mortgage perpetrated loan modification fraud on me ... .they added XXXX dollars to my principle for no reason ... ..they said sign this ... i said no ... they said it doesnt matter, we implemented it anyway ... .they then forged my name and sold it to XXXX XXXX ... ..WHY CANT YOU DO SOMETHING ABOUT THIS??????
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (MD)

My XXXX Rewards card issued by Citi Bank was recently acquired/transferred to XXXX Bank. My final payment to Citi Bank was never credited to my account after transfer ( although I have proof that Citi Bank cashed my check ). The customer service line for my Citi Bank XXXX account automatically forwards to XXXX Bank, the new owners of my account ( who can do nothing about my situation -- it is a Citi Bank issue ). Trying to speak with anyone at Citi Bank results in hours of wasted conversation and transfers -- no one can pull up my account in their systems -- it is like my account with them never existed! Citi Bank should have returned my check instead of cashing it OR forward it to XXXX Bank for credit against my account.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

Fed Loan Servicing did not tell me about the REPAYE program for over 9 months after its existence, and after I had already submitted renewal forms for another repayment program that they recommended. This cost me {$4100.00} in extra payments. The transfer process ( into the REPAYE program ) was done with errors on their part, costing me {$4000.00}. Fed Loan Servicing says that I " should have known ''
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

A account I had with you company Account No. XXXX was closed on XXXX/XXXX/2014. Based on a malfunction of your machine that resulted in a loss of funds deposited. Because the only means that said account funds could be verified were by human count customer would be responsible for any shortcomings is misplaced. Nothing has been provided in regard to the existence of any account much less any mens rea towards impropriety. See Attached. As such this item should be removed from all reporting agencies immediately.
Consumer complaint received 2016-05-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me
Consumer complaint received 2016-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

An appeal dispute was reissued after a plausible inquiry on XXXX XXXX 2015 of probable identity theft with the Consumer Financial Protection Bureau as of XXXX XXXX 2015. The plaintiff # XXXX attest that the issue was NOT identity theft, rather, he is a victim of XXXX discrimination and financial coercive activity by agency AMERICAN EDUCATIONAL SERVICES ( AES ) /PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY PHEAA.
Consumer complaint received 2016-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

I was in default on my student loans due to not having a job to pay for loans. However, I did file my taxes from when I was working and my taxes were intercepted. Once I got a job I contacted Federal student loans and they told me I had a balance of XXXX in order for my loans to get out of default and it would be paid off. I recently pulled my credit report and it has school loans transferred to collections. It is paid and I would like for them to be removed from my credit. It is affecting my score because there are so many listed. I am not working at the moment but I do want to focus on my credit. Ive contacted federal loan servicing to resolve this matter and they stated that it was out of their hands. They had me calling around and still nothing resolved. I
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a Citigold Checking account under the promotion code XXXX. I met all of the requirements on XXXX/XXXX/2016 and the XXXX XXXX should have posted within 90 days, which would be XXXX/XXXX/2016. I have been in contact with Citi via secure messaging since XXXX/XXXX/2016, but keep getting told that they are still reviewing my case.
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

Macy 's fraud department contacted me in XXXX to verify certain suspicious online purchases made using my Macy 's credit card information. I disputed the purchases and subsequently submitted a written statement to the fraud department. The investigation is ongoing. Nevertheless, Macy 's submitted delinquent payment information to the credit bureaus.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (TN)

XXXX XXXX claims they have transferred a Costco Credit Card I had with them to Citibank. But I never applied for a credit card from CitiBank. 
This creates XXXX problems : 1 ) XXXX XXXX refuses to acknowledge my old Costco Credit Card account and let me download my transactions 2 ) XXXX claims I now have a new credit card with a bank/issuer that I never asked for an account with. 
XXXX XXXX XXXX
Consumer complaint received 2016-11-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I called Citibank and paid for $ I owned them but they still blocking me from apply for a new credit card. I am working for credit card company, have a perfect credit history, also been bankfile with them for years ( over 30 years now ). Since Costco start offering CitiVisa, for my convinience, I applied once and was declined at Costco. I can go and apply for $ XXXX but not able to get a CitiVisa. This is crazy and shameful.
Consumer complaint received 2016-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WA)

To whom it may concern ; I 've some concerns regarding my current student loans and came across your web site thinking you might give me some direction to my quandary. 
Student loan servicers, whether for-profit, not-for-profit or government agencies, should be accountable for serving borrowers fairly, efficiently and effectively. The " Joint Statement of Principles on Student Loan Servicing '' states that student loan borrowers have protections so that they will be treated " fairly '' even if they are struggling to repay their loans and have assurances that student loan servicers, both in the marketplace and through federally-contracted companies, " are held accountable for their conduct ''. 
But I find that this is inaccurate - Loan servicers do n't apply repayment funds equitably to the interest and the principle balance, such as in a home mortgage. This is unfair practice that keeps the borrower in debt for longer periods of time at greater expense on long term notes. 
I have been in repayment for some time now and found out that my loan servicer has only been applying my payment to the interest only. At this rate I will constantly accrue interest and never have the ability to pay down the principle amount, costing thousands of dollars that are charged to me unfairly. 
Is there some resolve to this mess that can give me some direction so I can feel better about paying on my loans? 
I would appreciate any guidance you can offer, A frustrated borrower
Consumer complaint received 2015-08-04
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Big Picture Loans, LLC (CA)

I applied for a loan that was necessary via Castle Payday. I checked the scheduled delivery date and the account / routing number. Everything was accurate on the loan application ( I have printed copies ). 

The funds never made it to my account, and I have spent two days on the phone with a call center XXXX. 

I have been on the phone with that call center too often, and they have begun to lie to me. The first issue was that they mentioned that the account number was too short. After being disconnected while on hold, I called back. The next issue they told me was that the account number was correct but the routing number wrong. After being disconnected while waiting for the supervisor to get a bank representative on the line, I called the bank and verified the funds were never deposited. Again, I have a print out of the application. The account numbers are accurate, and were entered correctly. 

My concern now is that this company has my personal information, which it has misused and further misrepresented itself during our business transaction. 

I can not contact any employees of Castle Payday. They will not respond to emails I have sent them. 

I can not get a clear answer to whether or not funds were moved, or if this was some sort of scam.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (MS)

I took out loans through Sallie Mae between XXXX XXXX and XXXX XXXX totaling around XXXX dollars. I graduated in XXXX XXXX, jobless, and soon started receiving harassing phone calls from Sallie Mae ( Upwards of 3x a day ). Sallie Mae also called many other associates of mine - from my neighbors to my sisters. I tried to reason with Sallie Mae multiple times during the time of my unemployment ( XXXX XXXX - XXXX XXXX ) and was told that all XXXX of my loans could be deferred for 3 months at XXXX dollars a piece, which surpassed the amount for my student loan payments. Being without a job, I could n't pay anything. I now owe XXXX to Sallie Mae ( XXXX more than I originally borrowed ) and my student loans have been transferred to a collection agency ( XXXX XXXX. XXXX took over my loans in XXXX of XXXX and have added XXXX dollars in fees over the course of XXXX months. They even went as far as to tell me they would repossess my mother 's house.
Consumer complaint received 2016-05-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX I had seen an add in the XXXX XXXX newspaper in reference to a car for sale. The add read the following. XXXX XXXX for {$3800.00}. I had called and texted the seller and responded with an email. XXXX XXXX. XXXX XXXX. He sent me the pictures and could set it up with the XXXX and XXXX XXXX XXXX. The first amount due was {$1000.00}. Cash deposit through Chase Bank. XXXX XXXX at XXXX XXXX. The account name received was XXXX Account # XXXX. XXXX XXXX from the XXXX and XXXX XXXX contacted XXXX XXXX saying it was all approved to be delivered to XXXX area. The following day XXXX XXXX the vehicle did not arrive. Was to be delivered between XXXX am to XXXX XXXX on the XXXX. XXXX called back and needed more money. He said that the vehicle was selling lower than it was valued at. He said he needed another deposit of {$900.00}. XXXX XXXX made a deposit XXXX XXXX at XXXX XXXX to the same account and same name for {$900.00}. The vehicle was to arrive on Friday XXXX XXXX between XXXX XXXX to XXXX XXXX. No vehicle arrived. Tried to contact seller the phone number has been disconnected. Tried to contact XXXX on many occasions. With no luck. XXXX XXXX contacted Chase Bank on Sat. XXXX XXXX and was told his bank account was safe. Monday XXXX XXXX he had made a police report for fraud. XXXX XXXX - Report # XXXX. Spoke with XXXX XXXX XXXX. After the police report was filed, XXXX XXXX returned to Chase Bank. They tried to contact XXXX because it was a Chase account and Chase had gotten the run around. Chase said that they could not do anything about this due to it was a cash deposit and not a credit card. XXXX has been a customer of Chase Bank for a while. A family member had suggested that we contact the XXXX. Chase Bank through there customer service and security should of taken care of this issue. XXXX XXXX - XXXX at Chase Bank spoke with XXXX XXXX on XXXX XXXX that he should file a complaint to this website. This has been a very upsetting situation and was hoping for more assistance and help with Chase Bank. I hope this can be resolved and I could receive some sort of compensation. Thank you and looking forward to hearing from someone.
Consumer complaint received 2015-04-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX/XXXX/15, I opened a small business bank account at Chase. I funded the account, by writing a check from my XXXX XXXX account for a large amount of money. Nine days later, and six business days later, I learned the money I had deposited into my new Chase account was frozen. THAT is my FIRST COMPLAINT. My SECOND COMPLAINT, is that at no time, was there any communication that the funds were frozen and unavailable, which means of course, by then I was out writing checks against the money, which immediately BOUNCED, which obviously is my THIRD COMPLAINT. How dare you bounce a check, as if I did not have funds in the account to pay for it!!!! Only by taking off work on my time, to go back to my local branch and raising hell, did several Chase departments get called, and funds released. The explanation I was given, was that Chase was n't able to validate the check I had used from XXXX?????? THAT IS MY FOURTH COMPLAINT! Seriously!? For SHAME! That is a STUPID response. Not ignorant ... but stupid. My XXXX Bank branch, is XXXX feet from my Chase branch, and while I know that the internal Chase departments do n't know that, what XXXX in Chase is not capable of to picking up the phone and calling XXXX if they had questions? Instead you freeze the money in a new small business account, hiding behind the phrase ... 'for your security '. AND THAT IS MY FIFTH COMPLAINT. If ANY account of mine, is at risk at any time, in any way, you had better dang well pick up the phone and CALL me. And NO, not nine days later, when I HAVE TO COME TO YOU FOR EXPLANATION. What small business on this planet, can afford to have their capital locked up for that ridiculous amount of time and certainly, with no communication from the bank. So Chase 's processes find it okay for them to play a little 'XXXX ' with my money? Let me ask you ... ..PLEASE, PLEASE, PLEASE, give me more of the Chase PEP talk, about why I should do my banking at Chase! I am ALL ears. I 'm positive I 'll be able to drink the lemonade after you 've cost me time, money, and put my business at risk.