davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

It was my first student consolidation of my federal loans with navient. I was told by loan representative that because I was  i n  XXXX  I w ou ld get a forgiveness on some of my loan and because of my low income I would get a reduced fee on payments. He said do n't change anything at all when I send you those documents for your consolidation he said he had everything inputted on the application thst would allow me for the forgiveness and reduced rates of repayment ... so I did n't, I looked over the papers and signed and mailed in. I then received my loan papers and it had me at a high % repayment I owed  XXXX  but with loan over and done with it would be well over 150,000, I then seen that my monthly payments a month were 800 some dollars. I was better not going to navient and repaying each loan individually at a lower payment monthly then what I got before. I tried calling the guy after recieving what I quickly learned was an enormous lie from the rep at navient and I got nowhere, I was told there were no notes and nothing was told to me from navient of the sorts of discount monthly payment due to income and forgiveness on some of my loans for being in health care. I am more than willing to filter through all of my papers for the navient ones, I wrote everything down including the man who helped a his phone number and the enormous lies he claimed to me.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AZ)

Navient is refusing to come up with a payment or deferment plan that is suitable. I am working on a XXXX and they say that I have no more " in school deferment '' time. The documentation that I signed states no such limitation.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have XXXX different student loans, XXXX of them were transferred over to Navient at some point. They began contacting me via automated phone calls informing me to call some number and plug my social security number. That smells like some scam right off the bat. When researching the internet all I find is what a dishonest organization this is. But then I had to contact them and find out who they were and that is how I found out that my loans were now under Navient. Now the real issues begin to show up. This agency is very tough to get information from, and the information changes every time you talk with someone new. ( very similar to XXXX XXXX and their scam ). I finally was able to get access to my statements. I have been in Forbearance for quite some time, upon review of of those statements, i see that Navient has repeatedly charged " late fees '' every few months. These are not small late fees, but rather in the hundreds of dollars every 3 months. I contacted Navient why and how they could possibly charge " late fees '' when I have been in Forbearance the whole time. The person on the phone could not come up with a real reason, he tried to get approval to remove them or reduce them, all he could do was give a XXXX dollar credit. ( we are talking thousands of dollars of late fees and he can take off XXXX bucks. Come to find out, the reason that there are " late fees '', is because Navient takes so long to process their paperwork that it shows up as if I am late in renewing my forbearance every other month. 
I am also astounded that they can charge 8.5 % interest on loans! nobody has see those kind of rates since the 1980 'S! but at least back then we were making good money and the economy was robust. I guess they forgot the " ro '' in robust and are just going for the bust. 
I have no problem paying back my loan, but would love to be able to deal with an honest company with honest rates and transparent policies and procedures. 
I also have loans with XXXX and XXXX and XXXX and those agencies are straightforward and the interest rates are between 2 and 3 % and there are no surprise fees. 
I am attempting to consolidate all my Navient loans into XXXX loan and begin the re-payment process, I could not get a straight answer as to the interest rates and fees involved ... we shall see. From what I have experienced already, I am very sceptical. 
For all those out there, stay out of the student loan debt. Go some other route. 
I have been working on becoming a XXXX for 21 years, I was working full time and raising XXXX kids and still paid a XXXX a month into the system, but I still had to take out loans to get it done. 
-good luck to all
Consumer complaint received 2016-07-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have a parent Student Loan with Navient. I missed my payment in XXXX XXXX th receieved a bill for XXXX and XXXX for {$340.00} due by XXXX XXXX. I scheduled the payment online to be paid on XXXX XXXX in the full amount due charged to me banks account on XXXX XXXX. I have received 3 phone calls a day about a overdue payment. When I ask the rep wo check and see that I have scheduled full payment I am told that is their system. 

This practice amount to harrassment. Today is XXXX XXXX and I am still receiving the 3 calls Why are they allowed to harrass comsumers
Consumer complaint received 2016-08-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Vital Solutions, Inc. (MI)

This company, Vital Recovery Services/Solutions, has repeatedly called my father-in-law 's home phone number and left unsavory messages on their machine. Finally, on Monday XXXX XXXX, after calling my father-in-law 's number 5 times, he finally answered. The representative for Vital Recovery Services then proceeded to tell my father-in-law about my debt, and that I owe all this money and that I need to pay. When he told them that I do n't live there, the rep for VRS then asked how else to get a hold of me. First complaint : I have settled this debt with the creditor that VRS is harassing me about. Second complaint : Vital Recovery Services has been harrassing my phone as well as my father-in-law 's phone constantly. I have not lived at that address ( my father-in-law 's house ) in 10 years. Why and how does VRS have that number? Third complaint : the representative for VRS willingly and knowingly gave information aboit my debt to a third party that had no business knowing that information. Not only did the rep give out private information about my debt, but it was the wrong information at that!
Consumer complaint received 2016-01-25
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (LA)

Outsourced rep for NetSpend Visa told me I could n't use the prepaid card I received as a gift without giving my birthdate and social security #. I declined and was sarcastically told " no info, no activation. Essentially they stole my mother 's money. I was told I could not use it as a gift card. What a huge scam! Also, they charge a fee for not using the card-again stealing the money.
Consumer complaint received 2017-02-26
Product: Prepaid card — ID prepaid card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (MO)

Did not authorize the account and customer service representatives refuse to provide me with who or what company provided with my information. Company information provided was netSpend for a " consumer partner ''. Transferred multiple time but was unable to actually provide me how they received my information. The first individual was XXXX at ext. XXXX that was unable to close the account or provide me with the information. The next was XXXX ( employee no. XXXX at ext. XXXX ). XXXX accidentally deleted my account number after I asked to speak to her manager. XXXX also briefly me on hold to obtain the information and did not have the information when I return. Getting actual person was next to impossible!!!!!
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Bay to Bay Lending LLC (FL)

I am the seller of the address listed XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The buyer was obtaining an FHA loan through Bay to Bay Lending XXXX Florida XXXX XXXX XXXX # XXXX Fed XXXX # XXXX. On XXXX XXXX, 2015 the title company closed this property HUD 1 was approved and full loan package was signed by the buyer XXXX XXXX XXXX. On XXXX/XXXX/15 XXXX XXXX advised that the Mortgage broker had made a mistake they would not fund the transaction. I was then advised that they made a mistake and another appraisal was necessary ( at my expense ) After incurring Attorney 's fees and numerous expenses the transaction was finally funded XXXX/XXXX/15. HELP! this is wrong
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Razor Capital, LLC (GA)

On Thursday, XX/XX/2016 Razor Capital , LLC filled a Small Claims General Civil suit against me in XXXX County Magistrate Court on behalf of XXXX ( Attorney for Plaintiff ) Bar # : XXXX. I do not own this alleged debt And I wish that this debt collector close this case against me and contact my FDCPA attorney XXXX, CA XXXX Phone : XXXX resolve this matter.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (KS)

I fi  led a complaint with your office a couple of months ago regarding a late fee assessed by Chase on my credit card. Specifically, they applied a payment that should have been for the new billing cycle to the previous billing cycle. I called and complained, so they removed the late fee from the account and I followed up by filing a complaint with your office due to how they improperly billed the account.
Since then, even though the late fee was removed, they have bille  d interest twice on the late payment. My first balance subject to interest is on  XXXX , so I should not receive any interest on balance transfers and have never made a purchase on the account. So it is clear they are billing interest based on a late fee that was removed. I am including statements for your records to show the interest billed.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

I accidentally paid a balance on the wrong credit card resulting in a credit on this card of {$5700.00}. I contacted the credit card company immediately after receiving the statement that alerted me to my mistake to have them send the money back to my checking account. I was told on the phone by the credit card representative that this process would take 10 business days. I did not receive the return of my money in the allotted time frame and when I followed up with the credit card company they told me that the request must be approved and they are unable to tell me when my money would be returned to me.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (TX)

I had gotten a private loan through my school but than the school shut down and the company is forcing me to pay the loan back but I was n't given the education I deserved cause the school closed down so why should I pay it back.
Consumer complaint received 2017-02-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

A medical procedure was undergone without my knowledge of the procedure 's price. It was called for by my physician, and I was not made aware of the cost for the procedure. I was not made aware that my insurance would not cover anything until the procedure was over. Due to my lack of consent, my legal obligations to pay this amount is questionable. Still, I am actively working towards paying this debt with XXXX. While I was working to pay it off, it fell into collection within 6 months. The resulting impact on my credit score alerted me of this. It seems improper to send this debt to collection when I am actively working with XXXX to pay off the debt.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (MI)

I had a XXXX XXXX through XXXX XXXX .... It was generated for XXXX .... plus initiation fees etc .... When I finished with my term ... I was told that a credit balance was to be issued for XXXX dollars and change ... Then XXXX sold the load to University Accounting service .... When the loan was sold ... It was listed that the loan was XXXX not the XXXX there was no reflection of a payment of XXXX from everest in any of the statements from XXXX ... after repeatedly trying to get ahold of genesis, and talking to Univeristy accounting services, they will not tell me why the loans amount was changed, why they are not allowing a forbearance request while I dispute the genesis loan ... They are now telling me the loan was in default, because I told them I would not pay them until these conditions were clarified, and then I would pay interest only while my loan was being reviewed for discharge ... I am at my wits end dealing with them ... is there anything to help me..
Consumer complaint received 2016-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

I have a student loan that is reporting incorrectly. I have notified the company but they have not corrected it. They are reporting that I was 90 days late when it fact my loan has been in deferment for the past 2years.
Consumer complaint received 2015-09-20
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (GA)

Performed balance transfer to other CC from a CITI Card. Transfer was posted to new credit card the day after due date of old CITI Card. CITI Card is now charging late payment and increased interest rate on remaining balance and new purchases even though they they had to receive payment from new card due to it posting the day after the CITI Card due date. CITI Card is now refusing to return charges and return interest rate back to normal.
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (KS)

I am trying to cancel my Citi XXXX credit card with Citi and it is proving very difficult. I was put into a queue and waited on hold for 21 minutes. I was told that there are few account specialists available and a long queue for me to speak with XXXX, and I am required to speak with an account specialist to close my account. I find this to be an unacceptable level of delay and difficulty in what should be a straight forward and simple task. I suspect that Citi is intentially making the process difficult in order to prevent me from cancelling, something that I have experienced in the past with other credit card companies also. Finally, someone came on the line and told me the company was having system issues and I needed to call back the next day.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CT)

I initially made purchases with an understanding that if balances are paid prior to special promotion ends, i would not get interest charges. I have made a total of {$8100.00} in two years with promotional terms along the way. I have paid a total of {$7400.00} which would leave a balance of {$650.00} They have charged me a total of {$4000.00} of interest! that is absolutely unacceptable. I have spoken to an attorney who has gone over every statement and has made sure that the balances that were carried over were all paid prior to promotional terms so they should n't have gotten any interest. I was advised to go through CFPB and get this resolved with merchant prior to filing a lawsuit.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

Received a refund check for a credit on a credit card account of my deceased mother. While waiting for the estate settlement to complete the check went past the 180 day period and became invalid. Numerous calls ( and being on hold for hours ) have not resolved the problem!
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I was issued a Best Buy Card ( Citi Bank ) credit line in XXXX of XXXX by a local Best Buy store. Store employees assured me that no interest would be charged for three years upon paying the minimum monthly payment. No physical " card '' or contract was ever received in the mail. 
I continued paying regularly till XXXX XXXX. Upon checking the account statement I noticed I had been charged interest to the amount of {$1000.00}. Once their promotional period of 24 months ( not 3 years as I was led to believe ) was over, Citi Bank added on an interest of 25.49 % APR starting from XXXX XXXX. Citi Bank failed to inform me that my promotional period was about to end, that an interest would be charged or the fact that interest would be charged from the issuing date.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Last XXXX I bought a merchandise on line it came defective, I tried to look a viable solution with the seller we could n't find. I contacted Shell Master card to initiate a disputed for the amount of {$94.00} I sent Shell Master Card proper documentation. Theydenied me assistance saying : '' The Merchant is willing to work with you '' and '' based on a review of the circumstances surrounding the charge we have noresource to recover the funds ''. I believe Shell MasterCard is unwilling torepresent me with the merchant, for the defective merchandise I received. 
Also I have to mention the Merchant does n't have the merchandise to exchangeit. I 'm attaching documentation on regards. Thanks.
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as " Supervisor '', said Co were " Attorneys '' called XXXX XXXX ( did Browse, NON-existent ) File XXXX
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

According to XXXX, I have a " Fair '' rating n credit inquiries due to XXXX requesting XXXX hard inquiries within a XXXXmonth period of time when I was shopping for the right product with them. They assured me any inquiries would not impact my credit score. When I called to ask why they requested XXXX hard inquiries on my credit report they offered no acceptable response nor any solution. My credit score was negatively impacted in part due to their redundant requests.
Consumer complaint received 2017-02-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened an account with Citi bank with {$15000.00} for their promotional {$400.00} bonus. Their stipulation is I have to deposit and keep that amount in the account for 30 days. Then I needed to keep at least {$10000.00} in account for another 60 days. It has been over 120 days and I still do not see the {$400.00} bonus. I online chatted with their service rep two times. One rep said I should get it by XX/XX/2017 and another said by XX/XX/2017. I send this complaint because I do not think they will ever give me the money because their reps are not consistent with the days. I suspect they are just giving me the go-around with no definite answers.
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (VA)

On XXXX XXXX, 2022, I made a wire transfer of {$10000.00} from my XXXX XXXX XXXXo a personal account with East West Bank for investment in XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX Later on, I found it was a scam. Now the website dinghuifore.com is not active.
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NH)

I have a 30 day late on my credit report when the money was paid and out of my bank account and with Ditech. Here is the list of events that have happened over the past 3 months. 
XX/XX/XXXX - made a {$200.00} payment toward my mortgage payment that was due on XXXX. 
XXXX - made full payment of XXXX because the online and automated system will not allow a payment of anything less than a full normal payment XX/XX/XXXX - called to make my payment due XX/XX/XXXX. I called because I was going to make the payment minus the {$200.00} that was still sitting in my account since XXXX XXXX. The CSR was great. She saw my {$200.00} and said it went to late fees but it could be reallocated and all I had to pay was the remainder of the payment which was XXXX. She took that from my account for me and waived the {$19.00} fee because I did n't have another option to make that payment due to their online limitations. She assured me I was all set. 
XX/XX/XXXX went to make my payment online and was past due. Called customer service to straighten it out. They said my reallocation requested was submitted on XX/XX/XXXX but did not have a decision yet. I was hit with a 30 day late on my credit report for XX/XX/XXXX. I asked for a manger and spoke with a man named XXXX. He assured me that it would be looked at ASAP and he would get back to me on XX/XX/XXXX either way. He never called. 
XX/XX/XXXX - I called customer service again. My reallocation was not complete and no one could answer me. The girl I talked to sent him an email and I left him a message and still no response as of XX/XX/XXXX. 

I am beyond frustrated beyond words. First of all I was told I was all set for XX/XX/XXXX by a customer service representative and I was not. Then my credit took a hit which it should not have. I paid XXXX. Then I call to resolve the matter and it has been over a month and was never even looked at. I do not know if my credit will be hit again for XX/XX/XXXX. Ditech had my money and did n't put it to my payment and then caused a hit on my credit. Then they have yet to resolve the issue ... ..over a month later!! Then to top it off, I can not get a response from this company and/or the manager that I spoke with. I can not get anyone to work with me and help me. All calls are recorded and I even asked them to pull my phone call from XX/XX/XXXX so they could see that I was told I was all set. I can only go based on what customer service tells me. No one will follow through or follow up with me and I need to get this resolved so my credit is not ruined any more than it has been due to their incompetence.