davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Colony Brands, Inc. (NY)

This catolog credit company has been giving me the run around about a credit line increase for the past 3 month.they Promise you an increase after 6 consevective on time payment and I have 8 but never come thru. I first requst one on XXXX/XXXX/2015 and never recieved and it been back forth ever since with differnt story everytime I call, all I want is yes or no. They did make an inguiry to tranunion credit reporting XXXX/XXXX/2015. But still no concrete answer from them, I have XXXX other catolog credit card that affiat with them and all have on time payment. XXXX of them did give me a credit line increase, Ginny and Midnight Velvet.please help me out.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (ID)

The online website account history shows that the account balance is positive by US mathematical standards, yet Netspend Corporate managers/representatives say that it is Not their standards. For instance ; Here is what my balance on the website will show to me is the balance is {$10.00} ( XXXX dollars ) ; Balance ( {$10.00} ). However this example is actually a Negative balance. If it was a Negative balance it show show or read as follows ; ( - {$10.00} ). I talked to a representative of Netspend and they told me that on their side of the website it shows a Negative but not mine. This is Fraud and misrepresentation of facts. It is a trick to get extra fees from customers/consumers, because each time they make payments with a Negative balance that they think is Positive, they get charged fees like I did.
Consumer complaint received 2015-10-27
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (CT)

On XX/XX/XXXX I used my XXXX Prepaid XXXX to rent a car from XXXX XXXX XXXX in XXXX, XXXX XXXX. On that day, a pending transaction in the amount of {$960.00} was put on my card without any warning. The car was returned the next day and payment was deducted from the same card. 

I have spoken twice with XXXX Prepaid, and they requested that documentation supporting the release of the transaction be sent to XXXXXXXXXXXX. 

XXXX has sent the requested documentation yet I received word today that the documentation was unacceptable. XXXX has said that it has done all it can and that it is now down to me to resolve this issue with PayPal/Netspend. 

I am a retired XXXX trying to live in XXXX XXXX on a fixed income. As of this morning I have a little over {$11.00} for groceries to last until I receive my next social security payment on XX/XX/XXXX. Having nearly {$1000.00} held back from me for two weeks is a nightmare.
Consumer complaint received 2015-08-03
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CHECK INTO CASH INC. (TX)

Received a phone call from XXXX stating that I was going to be charged for a civil and a criminal lawsuite from XXXX and Check Into Cash payday loan. I told them I have never had a payday loan from that company and they continued to harass me and I asked for the information date etc and that I would go to my attorney with this and they hung up. 
the Company is XXXX and the phone number was from Ohio. I went online to check into company and can not locate company I want to file a claim against them. If they can show me proof that I took out a loan with that company I am willing to make a settlement but not until.
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SIMM Associates, Inc. (TX)

I ' am writing to complain about Simm Associate Inc Referance number XXXX and XXXX. This collection agency engaged in the following unfair and abusive collection practices specifically prohibited by the Fair Debt Collection Practices Act, 15 USC 1692. I received two calls on XXXX XXXX, 2016 at XXXX XXXX and XXXX XXXX from XXXX XXXX to inform me she contact my employee and verified I was an employee. She advised me the call was record on both calls. She did not verify my information on both of the calls. She made repeated and continuous calls to my cell phone and my place of employment. I also received an anonymous 3rd call on XXXX XXXX, 2016, but I hung up on her, after she stated her name. The calls were harassing and she misrepresented her self. The first call she stated she was with a law offices. 2nd call she stated there was no attorney working in the office. I tried to explain to her over and over that I did not signed for the debt she is collecting for she repeatedly talked over me. During the call she tried to me she had discovered information from my POE that could be used against me or valued to collect debt. During the call I also advised her to contact my attorney regarding bankruptcy. I was informed that the private student loan was covered under my bankruptcies. The 3rd time I spoke to XXXX XXXX I called the office to advise her that I was disputing the account and to send validation of debt. I called back 3 times to request an supervisor. The first time she hung up on me after I advised her who I was. The 2nd time I spoke with a gentleman he hung up me and I heard them and the background talking stating not to talk to me. 3rd time she hung up on me. These calls was made XXXX XXXX central time. Final call I spoke XXXX XXXX supervisor and advised him of the calls.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (PA)

I am concerned about a Credit Card I currently have with my banking institution. I owe upwards of XXXX on this card, but am having difficulty understanding how the interest rate on the card is calculated or even what that actual rate currently is. I have reviewed my billing statements and the card 's website and am unable to definitively and clearly understand what the rate is or how it 's determined. I believe this is a deceptive business practice to prevent me from being able to clearly understand my interest rate. Also, it seems every time I make a payment, an exorbitant interest charge is placed on my account within the next few days, effectively keeping me in debt by continuously raising my balance.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (TX)

The Discover credit card has been charging us cash advance APR of 24.24 % at a variable rate for years now and it is more than the minmum payment. We have not used the card for years and ca n't seem to pay it off because of this issue. I spoke to their management and was told if we pay more, than amount would go to minmum payment not the balance which would keep us in the vicious circle of the interest rate taking all of the payments. Can you help us ...? we are willing to pay more but want the balance to show signs of going down and the APR to go back to regular APR 13.49 %. Again we have not made any cash advances on this card for years. We have been with them since 1987.
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (PA)

Discover student loans services my private student loan from XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. But I continued to get late notices including XXXX phone calls and XXXX letters overall stating I could have the late notice reported to a credit history company. After a phone call and further e-mails the payment was finally applied on XX/XX/XXXX. To avoid further issues I applied over the phone for auto debit payments for this loan. I got a letter stating my auto debit application was being processed. XXXX weeks later I e-mailed Discover Student Loans to confirm the status of my auto debit payment but was told the did not have any of the information needed for the auto debit process ( banking account number ). This program offers a 0.25 % interest rate reduction which I will be missing out on for at least another XXXX months due to this delay.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (VA)

I recently applied for a Discover card. They advertised a 10.99-22.99 % APR. My credit rating is XXXX, I have never gone through a bankruptcy, I only own XXXX other cards, I 'm XXXX years old, own my own home and have paid my bills on time for the past 40 years. I have only {$6000.00} worth of debt ( half car loan and half credit card ), half of which I am transferring to the new card. I 've been employed with the same employer for five years, and if anyone expected to receive a favorable APR, it was me. So imagine my shock when I was approved for the card, which after six months at 0 % APR, shoots up to 20.99 %. I really think this is deceptive advertising. If I can not receive a better rate than XXXX, I ca n't imagine there is anyone getting close to a 10.99 % rate. When I complained to the customer service person, she said I should call back in 6 months to see what they could do. I 'm not holding my breath about that, I will probably never use the card unless I can pay the balance each month.
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCollect (TX)

I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.
Consumer complaint received 2015-07-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Inc (VA)

Several years ago while living in XXXX, Maine, I went to a local optometrist for an eye exam. While in the chair, the person performing the exam said they would like to do an exam to check for - whatever it was, I do n't remember. She simply asked if it was ok, to which I of course replied " yes '', When checking out, they informed me I owed +/- {$80.00} for the additional exam. I was not informed of the additional charge or the fact that it was not covered by insurance. I rejected their claim explaining why and was told - too bad, you owe us the money. They continued to bill me, I continued to refuse payment until they finally referred it to a debt collector who then harassed me threatening legal action and to ruin my good credit rating. I sought the advice of an attorney who convinced me the easiest and cheapest thing to do was just to pay the bill. Legal action could have otherwise been costly. 
So, despite their not deserving to be paid, I paid. But now I had to pay not only the optometrists bill, but also the debt collectors bill as well. Meanwhile, they went ahead and reported it to the credit agencies and to this day, that black mark is on my record. 
At the time, I reported their underhanded business practices to the State of Maine, the Maine Licensing Board and anyone else who would listen. All to no avail. 
Having just now listened to the XXXX XXXX show, I now know, although years later, that I should have perhaps contacted your office, which prior to the show, did not know existed.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: STERLING JEWELERS, INC. (KS)

I got a line of credit through kay jewelers on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the military in XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named XXXX XXXX XXXX and want to collect a debt I had acquired with Kay Jewelers. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in XXXX weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my Judge Advocacy General for guidance.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

I have a huge amount of NSF fee 's. This bank will show a balance one day and a different one the next. They have pending transactions and then the next day they post in a different order. They have taken my paycheck. I need these funds reimbursed to me. This is causing a huge financial strain for me.
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (KY)

American Education Services refused to defer my loans while attending XXXX school. This led to them turning XXXX of XXXX loans over to a collections agency resulting in a default status. I have had to continue making payments on the XXXX, which are not defaulted, while attending school.
Consumer complaint received 2016-12-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

My home equity line of credit ( HELOC ) has XXXX accounts. I recently went to a local branch and paid off XXXX of the XXXX accounts, about {$7000.00} of a total of {$23000.00} I owed. At the branch, the teller calculated that my new monthly payment, going forward, would be {$200.00}, which corresponds to what I calculated the new payment would be. 
A few days ago, I checked the institution 's website which states, instead, that my new payment will be {$230.00} ( previously, before paying off XXXX of the accounts, my monthly payment was {$270.00} ). I called the institution to ask them to correct the payment information on the website to align with what I was told at the branch and which I think is correct. I was told that the website amount, {$230.00}, is correct. I asked for a breakdown of the payment and was told that, for example, on # XXXX, my new principal payment would be about {$140.00}. But currently my principal payment for that account is only {$84.00}. I asked why my principal payment jumped from {$84.00} to {$140.00}, and the agent on the phone could n't give me an answer. I pointed out that, if I paid {$140.00} in principal every month on that account, I would pay it off way before the ten-year payback period ends. The agent on the phone could n't explain why this is so. 
In general, I told the agent that I could n't understand how it was that I paid off about 30 % of the total principal I owned but my monthly payment was going down ( according to the bank ) by only about 15 %. The agent could n't explain why this was. I think the institution is mistaken and needs to correct the monthly payment to align what I was told at the branch.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CT)

I am supposed to have standing instructions on my account to apply any extra payment that I make each month to Fedloan servicing to my highest interest rate loan. I can provide emails from XXXX/XXXX/15 with my standing instructions on how to apply additional money. Subsequently I increased my monthly payment, and submitted a request to Fedloan inquiring about whether my standing instructions needed to be updated. I was told that changes to direct debit amount would not change my standing instructions. I did some checking into my payment history and discovered that my payments were not being applied as I had instructed.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MI)

To whom it may concern ; FedLoan Servicing dropped the ball on including XXXX loans in my original consolidation in 2014. I make my payments each month on time, in fact early. Now I will be garnished by the Michigan XXXX XXXX within 24 hours for a negligence that is not my fault. My credit has been compromised ; I was denied the ability to purchase a vehicle due to this issue. I 've never defaulted on any of my student loans. I did everything I was supposed to do. I can not believe this is happening to me and family. I am being penalized and garnished for this company 's mistake. I 've been calling FedLoan Servicing for 9 months trying to get this matter resolved and have received no help. I contacted the US Department of Education Ombudsman Group for help and I have not received a response from XXXX XXXX ( XXXX ) XXXX who is working my case in weeks. No one will help me. Please can someone contact me today ... .I desperately need your help. 

Thank you.
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

Every time I submit a rebuttal to my complaint against suntrust, my complaint is closed. This is completely unacceptable and I expect a response from suntrust regarding my rebuttal to case number XXXX. My complaint needs to be reopened and never should have been closed. This is completely unacceptable! I thought this site was for CONSUMER PROTECTION. Every time you close my complaint, you 're protecting the unscrupulous mortgage company!!
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK (OH)

I submitted a request for a modification on XXXX XXXX, 2016 for review. At this time I was XXXX months delinquent on my mortgage. They reviewed my package and determined that I was eligible for a repayment agreement which would hold any foreclosure action. They offered me the agreement on XXXX XXXX, 2016 which I promptly accepted and returned XXXX XXXX, 2016. 

On XXXX XXXX, XXXX Midland Mortgage filed a foreclosure action against me after executing a repayment agreement.
Consumer complaint received 2015-09-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

I am a cosigner on a student loan for my son who became financially unable to continue payments. I went to AES in XXXX 2015 with a new direct debit form and again in XXXX with the same form. They continue to debit an account that has no funds in it, and every month my son gets an insufficient funds charge ( {$30.00} - which I pay ) and every month I get a threatening letter that my credit will be ruined and then I pay online through the account I am trying to get directly debited and then I call again and am assured the following month the correct account will be debited. I do n't seem to have any options, as written and aural correspondence has been ineffective. An attorney would cost more than the bank is charging and losing a .25 % interest rate just adds additional long term cost to the payments.
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VT)

I applied for a different income-driven repayment plan through FedLoans. I was already on an IDR but was eligible for a REPAYE loan to lower my monthly payment, as I plan to apply for the public svc loan forgiveness program. They told me I would be on administrative forbearance until the new payment arrangement started. They warned me that my first payment under XXXX would be bigger. I paid {$5.00} in XXXX for the forebearance payment and not two days later, they said I had XXXX student loan payment due on XXXX. They only gave me 2 day warning that I had a {$210.00} payment due! They did n't respond to an email asking for clarification. I was late paying about a week and surprised the payment was due. I wish they had to inform me of the new payment and give me at least 30 days to make that first payment. Otherwise, all is well. I just want them to communicate more clearly.
Consumer complaint received 2022-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

On XX/XX/XXXX I requested a refund of {$10000.00} of previous payments under the CARES act via online request. On XX/XX/XXXX I followed up with a phone call and the request was submitted. I was told my balance would be reinstated in about two weeks. On XX/XX/XXXX I called and was informed the refund is in progress but I've seen no new balance or refund as of XX/XX/XXXX.
Consumer complaint received 2016-04-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue.