davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (MI)

Collector calls multiple times a week and repeatedly calls my place of employment even after I told them not to call my office. Leaves messages saying that they " must hear back from you by the close of business '', insinuating that there will be consequences. They have also started charging monthly interest which was not in my agreement for the original debt. I have received un-wanted attention from my management team at work regarding outstanding personal debt and for using company phones for personal business.
Consumer complaint received 2016-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I have a private student loan through Navient ( formerly XXXX ), and each month of this year, my loan payment amount has increased. My payment due on XXXX XXXX, 2016 was {$7.00}, my payment due on XXXX XXXX, 2016 was {$140.00}, my payment due XXXX XXXX, 2016 is {$140.00}, and looking ahead, XXXX payment due on XXXX XXXX, 2016 is {$140.00}. According to the loan detail page on my online Navient account ( at www.navient.com ), I have a fixed interest rate of 9.875 %, so that does not change and I 've been paying on time, so there are no late fees. When I called to question this, the lady I spoke with could not tell me why my payment amount was continuing to increase each month, would barely let me finish a sentence, constantly interrupting me and talking over me. She would also not give me any contact information for a supervisor or higher authority. I do not understand at all, why my monthly payment amount continues to increase.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (TX)

I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XX/XX/2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XX/XX/2016 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS UBER AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR
Consumer complaint received 2016-08-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. ()

In XXXX, I took a {$55000.00} private student loan from Sallie Mae for financing my second year XXXX at XXXX XXXX. I started repaying this loan amount post graduation ( i started repaying in early XXXX ). Aside from capitalized interest ( {$5000.00} ) added to my principal amount, an amount of {$1800.00} was also added to the principal as repayment fee on XXXX XXXX XXXX. I have called and asked about the fee and have been told that its in my contract. This fee was neither disclosed during loan discussions or disbursement process and adds and extra burden during repayment. Can you please help figure out how this addition to the principal is allowed, even in a private loan? This looks like an underhanded approach to add interest income indirectly for the issuer and directly from this amount added to principal at time repayment begins. After repeated efforts the servicer now ( XXXX ) can not even provide documents showing this fees was part of the loan. 
Thanks, XXXX XXXX Sallie Mae A/C No. XXXX
Consumer complaint received 2016-10-16
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (GA)

Several attempts in writing were made to Navient to provide student loan documents to verify and validate. No documentation received in last 60-days. 

Navient is reporting negative info to credit bureau 's severely hurting my financial status. 

I am making my student loans directly to US Dept of Education per agreement and on time. 

Need quick help. 
Thanks,
Consumer complaint received 2017-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

After reading the news lately about the allegations against Navient, previously XXXX, I realized that I was also being mistreated and mislead by these companies - and did'nt realize to what degree until now. I currently have nearly {$100.00} XXXX in student loans, most of which are private through Navient. Navient also took over my federal loans recently from XXXX, to my regret of course seeing as how they 've handled loans so far. 
When I first looked into attending college, I was pushed by the " student services '' staff at my University into taking the private loans. At the time I knew nothing of college or finances, but I was assured by them that my struggling parents made too much money and these were the only way to go. What a grave mistake I made. Since then, I have been struggling everyday with this giant financial burden. I did graduate and I continue to make my monthly payments. However, I paid over {$100.00} XXXX for a XXXX of XXXX or XXXX, which did n't help me get a job making nearly enough to pay off the loans. 
When I began reaching out to XXXX, they were very aggressive and would continually push me into asking relatives for money, allocating other bill money like rent to them instead, and into using up all 12 months of allotted forbearance at once, not telling me that they only allow that much time over the life of your loans. I have never had a pleasant experience with Navient and my interest rates continually change. 
Two years ago I was desperate for help and a representative helped me over the phone to extend the life of the loans while bringing my interest down to 2.5 %. She explained that it would be locked in at this rate for the life of the loan if I added on another 10 years to it. I entered the agreement and after only one year, the rates went back up and I was stuck with 10 years on my loan agreement. When I called, they denied the original agreement and told me that the agreement was for only one year. The last time I spoke with them, I asked them if there was any way they could help me and they simply said " No, there 's nothing we can do for you. '' I have been completely mislead and find it heartbreaking that in one of the greatest countries in the world, we ca n't trust those who claim to have our best interests in mind. The helpless experience and monstrous stress has had a terrible effect on my quality of life, but I hope that it helps others avoid a similar situation.
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

They keep calling my job. Obtaining my personal work schedule. Did not leave info when asked. They fraudulently advised another supervisor that they were verifying info for a new job at my current employer. My boss asked me was I looking for another job because I am trying to get a promotion. That is ruined and now my hours are cut due to this. This is unethical.
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (SC)

My loan matured with Flagship in XXXX XXXX XXXX. However I was told it would not mature until XXXX XXXX XXXX.I was in constant contact with Flagship. During the course of this month I was given several incorrect statements by the representatives. I was told my loan would not mature until XXXX. Then I was told I would need to pay {$30.00} for a loan payoff. I could not get information on the balance of the loan without paying for the information. In XXXX XXXX XXXX, I made several payments to payoff this loan, I did not miss any payments and spoke with the representatives through out the payoff of the loan.. I was assured as long as I made payments they would not report my account to the credit reporting agency. They also charged exuberant fess at the end of the loan, making it impossible to pay off the balance. I was not able to drive my vehicle for 3 months after the payoff because Flagship would not remove the lien from the title. Therefore the state I relocated would not transfer the tag. I was given so many inaccurate statements by this company. I complained many times and was told there werent any notes on my account about the complaints. In other words my complaints were ignored.
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

On XX/XX/XXXX I mailed a letter my mortgage lender, Nationstar Mortgage, requesting removal of PMI ( mortgage insurance ) cancellation as my home has reached below 80 % loan to value ratio. On XX/XX/XXXX, I received a letter from Nationstar XXXX that my correspondence was received and would be responded to in " less than ten days '' ... " no later than XX/XX/XXXX ''. On XXXX XXXX, I received a letter postmarked XXXX XXXX but dated XX/XX/XXXX stating on XXXX XXXX, XXXX they " submitted a request to our Private Mortgage Insurance ( PMI ) Department for MI removal ... dedicision which can take up to seven ( 7 ) to ten ( 10 ) business days. '' As of today, XXXX XXXX, XXXX, I have not received this letter. I have left several voicemail messages for Nationstar at the numbers they provide on the letters and have received no call back.
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (KY)

AR Resources has called my business cell phone several times asking for XXXX XXXX. I have told them on a couple of different occassions that this is no longer his phone and continue to receive calls. I know this is a debt collection violation and would like file a claim on this company.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Titan Receivables, Inc. (AR)

My Husband and I had a friend who was in jail we hired a bail bonds co to have him released. The bond was an un secured bond so we did not need to put up any collareteral. We paid the bond co {$1500.00} cash. If our friend fled the court system and did not appear as told to we would be liable for up to {$5000.00} more. Our friend was released from jail on OR before the bondsman ever got there. They kept the {$1500.00} cash and said it was our obligation to finish paying the the remainder of the unsecured bail loan. We told them they were fraudulent and we would see them in court. Time went on my friend was found NOT GUILTY and we forgot all about and wrote the {$1500.00} off. Every 2 years a new collection agency sends me a bill with a larger amount stating I owe them. I dispute their claims in the 30 day time frame and as of now XXXX 2016the collection agency has placed it on my credit report.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (WY)

XXXX XXXX, a loan officer for guaranteedrate.com quoted a mortgage loan to me over the phone that would come to a total closing cost of {$8500.00}. When I received the loan estimate, it showed that we would have to pay {$11000.00} in closing costs. Because the costs of the loan were much different on paper than what XXXX had quoted me over the phone, I did not sign any papers authorizing his company to go forward with the loan. I immediately requested that all services be cancelled so that we would not be charged for any services from guaranteedrate.com. However, XXXX claims that I owe his company {$150.00} for an application fee and {$300.00} for the appraisal of the home. However our real estate agent and the seller 's real estate agent both confirm that no appraisal of the home has been conducted. Nor were they contacted by any appraiser so that they could begin working with the property.
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AmeriCollect (WI)

On Monday XXXX/XXXX/XXXX a very rude lady called me and refused to identify herself or the company from which she was calling from. I told her that since she refused to identify herself then she was to cease and desist from calling forever. She then hung up on me. Later that evening another lady called ( XXXX XXXX ) to which I asked to speak to her manager. She went on to blurt out information about a debt she claims I owe with out confirming I was the person she was looking for. I demanded to talk to a manager. I got XXXX # XXXX who refused her full name. I told her that I requested no more calls from this agency and she was very rude and claimed I never told them that earlier that day. I advised her this was a cell phone she was calling with out permission and ended call. I continue to get multiple calls from this agency daily. Phone numbers are below : XXXX.
Consumer complaint received 2016-12-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (TX)

On XX/XX/2016 I responded to an offer by Elan Financial for a visa card and was approved for a credit line of {$2000.00} on XX/XX/2016. Shortly after I received my visa card ending in # XXXX. In XX/XX/2016 I requested an update to my mailing address and phone # and in response I received two separate letters one dated XX/XX/XXXX & another XX/XX/2016 both thanking me for contacting Cardmember Services and that they appreciate the opportunity to be of assistance. Regrettably, we are unabe to process your request at this time. Please contact Cardmember Service Dept. @ number listed below. Once I called I ended up being transferred to there fraud dept which I found ridiculous since they changed the address & phone to my other account. After getting no response to my request I submitted a payment to the account above and received a statement with a credit of {$10.00} to the account. I noticed that the account stated that it was closed and to destroy and cards in my possession. I called to be told that it was n't closed, but under review? Unless I received the statement I would have never known it was closed and / or under review! On XX/XX/2016 I wrote Elan Financial a letter which on XX/XX/2016 they acknowledged by updating my address but failed to address the account closure / under review. This time they sent a letter confirming the address change to both the old and new address. We a coming to the new year and I am still waiting for an explanation for there actions.
Consumer complaint received 2017-03-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

I have been trying to sell my home on a short sale for 2 years.. I have had so many home specialists I cant count them. I have had 3 very good contracts on my home and Citi stalled so much all the buyers left.. I now have another contract on my home and Citi is requesting all kinds of information they already have.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

BBY/CBNA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BBY/CBNA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BBY/CBNA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX MACYS XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Macys, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

Citimortgage reported my payments as 90 days late on 7 dates and 30 days past due on one date. This was n't the case on even one date. I was supposed to be on an extenuating circumstance plan and paying only interest due. Unfortunately, they 've false reported on my credit report.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened a Citigold checking account with Citi Bank in redemption of a promotional offer for XXXX XXXX XXXX miles after completing {$1000.00} in debit card purchases and completing a bill pay in two consecutive months. After quickly meeting the requirements of the offer, I contacted Citi via secure message ( on XXXX/XXXX/16 ) to confirm the satisfaction of the requirements ( reference # XXXX ) and received word that I had successfully satisfied all requirements of the offer and should " expect to receive your bonus miles no later than your XX/XX/XXXX statement cycle. '' Since then I have contacted Citi by phone and by secure message ( on XXXX and XXXX/XXXX/16 ) and they continue to postpone the originally promised fulfillment date, claiming that there is an ongoing investigation regarding my miles and citing the high volume of investigations to justify their reluctance to pay out the miles they had promised. 

I have been in communication with Citi for several months now with no resolution, and have n't been able to get useful responses from the Citi staff regarding the fulfillment of the offer. Overall it seems like the company is just trying to drag this out as long as possible so that I give up and miss out on the points they had promised.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Around the holidays of 2015, I received a postcard in the mail from citibank. The advertised promotional offer XXXX, stated that if I opened a citigold account, use the debit card to make {$1000.00} dollars in purchases and use my checking account to make XXXX qualifying bill payments, I would be rewarded XXXX XXXX XXXX Advantage XXXX. I used the online chat function to confirm the promotion was for my account and the stipulations I needed to make in order for the promotion to be valid ( please see screenshot attached of online chat ). I have since placed upwards to XXXX calls to citi confirming the offer was in fact linked to my checking account and to call back once I had finished these requirements. I have called back more times than I can count, and it seems that the staff gets just as frustrated with the situation as I do, although they have yet to credit my AAdvantage account and have sent me an email saying I do not qualify for this promotion I 'm not sure if citigroup over extended themselves with their offer, but they need to make it right. Causing a customer to call more than 10 times to have a problem resolves is absolutely absurd. They continue to tell me they 'll look into it, but never call back and do not find a resolution to the situation. The only correspondence I have received is from citi bank NOW saying I do not quality for this promotion and to provide the original postcard to them that I received nearly 10 months ago.