davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

When I graduated from school i could n't find a job for almost 2 years. XXXX XXXX told me to go into forbearance. Next when I did receive a job i started at XXXX a year, and again they steered me towards forbearance vs income based repayment program. This ended up affecting my credit score and credit report. They still have not deleted the reports they made on my credit. Navient will now not answer any questions regarding hidden amounts of money affecting one of my loans. Every time I call I keep getting a customer service rep who is not from the united states and does not understand my questions. I have XXXX loan for XXXX and another loan for XXXX at the same interest rate. the XXXX has interest of about XXXX $ amonth and the XXXX has XXXX $ charges a month. They will not tell me where these increases are coming from and they will not fix the bug or problem.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I unfortunately did not find a good paying job after graduation. As I anticipated having to repay back my loans, XXXXNavient wanted me to repay back a ridiculous monthly payment that I simply could not afford. I would offer a lower payment that I could afford and they would refuse and tell me I could just go on a forbearance and/or deferment. If I had know then that I could do an income based repayment plan rather than accepting the forbearance and/or deferment each time I would not have accrued as much interest over time. I kept telling them I can pay something and they would not accept it. 
They said I could pay whatever I wanted, but I would still be on the deferment and/or forbearance. If only I had more options 10 years ago. 
I went back to school again to try to get a better job and after years of school and accrued interest I wo n't even begin to make a dent in my payment. I luckily am now on an income-based repayment plan just wish I had n't been pushed into forbearance and/or deferment as the only option for help.
Consumer complaint received 2015-08-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

hello i graduated in XX/XX/XXXX 2010 when at the top of the great recession was happing i went to XXXX and i still can not find a job in my field witch is visual-communacation i.e ( advertsing ) i have told, fromer XXXX, now navient that i am working part time at XXXX and my mom, lost her income and now i pay all the bills and they dont care .i am the working poor they kept threathing me with wage garish, and if they do i am finacly runined..
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I have n't tried paying my loan back due to financial hard ship. Also the school i attended in XXXX fl. XXXX for XXXX was closed.due to false practices which i was told. I feel i should not have to pay back my student loan because after graduating in 2009 i was never ever abale to receive my Diploma. Then i was told my Diploma is not longer valid because the school has been sued. I need to go back to school and start the process from scratch. I feel if thats the case i shouldnt have to REPAY NAVENT any help would be appreciated
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

1 ) NAVIENT failed to apply a payment to my account. I always pay two weeks in advance and all of a sudden, I 'm delinquent. I called and they immediately said I made the error. Once they looked into my account, they realized I was correct and revised my account. 

2 ) In addition, when I asked for forbearance, they set my payment at {$670.00}. I started paying that in XX/XX/XXXX. NAVIENT adjusted my bill to {$820.00} two months later! They said it was interest accrued during forbearance, WHICH I WAS NOT INFORMED ABOUT! 

3 ) While in forbearance, at one point my loan balance double! When I tried to call, the phone lines were jammed. Apparently everyone else 's balance double, too. Makes me concerned about the software they use and how well it is monitored.
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

Please help us : We have a Home Mortgage with Selene Finance LP, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Texas XXXX. XXXX # XXXX. Since XXXX XXXX XXXX sold our loan to this company, we have never received the regular coupon for payment and every single month I have to go to our bank and make the payment On Time via a Wire Transfer ( {$35.00} ). I have spoken with a representative that told me that the issue was going to be resolved but now is already 4 months having to submit the monthly pay using a wire transfer. Plus, they keep sending us threatening letters saying that the account was not paid. Please, let them know to send the communication of Payment Received every month and to send the current payment coupon for normal payment. Trying to make payment online within their website is impossible because there is no option to do so. 
We thank you very much, XXXX XXXX and wife XXXX XXXX. Property address is XXXX XXXX XXXX, XXXX - MA XXXX and our correspondence address is XXXX XXXX XXXX, XXXX XXXX - Florida XXXX. Appreciate your effort into this.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

XX/XX/2015 I received a letter saying my escrow was short and needed to pay it so that my monthly payment would not increase at a large amount.  The payment had to be received by XX/XX/2015  On XX/XX/2015 I sent the payment requested with the coupon they provided. On XXXX I received the coupon and check marked no such address, undeliverable.  Called they immediately to explain what happened.  Was informed the wrong address had been put on the coupons by them in error.  They allowed me to pay the amount over the phone, so it would be received by the XXXX  On XXXX, I had sent a monthly payment for XX/XX/XXXX and paid the larger amount because I had not been sent a payment slip with the corrected amount on it.
  During my phone call I was told the escrow payment would be credited to my escrow account and the extra money I had put on my XX/XX/XXXX payment would be put on my principle.  I then received a letter stating I had til XX/XX/XXXX to pay the escrow amount before it would increase due to there error.  
On XX/XX/XXXX I still hadn't heard from them or received a new coupon for my XX/XX/XXXX payment so I called them again.  I was informed my escrow payment had been applied to my XX/XX/XXXX payment with the extra monies going onto my principle.  After talking with them I thought I had gotten everything straightened out as they told be the XX/XX/XXXX payment would be do as the escrow money was put into my escrow account(which now had a overage).  According to the letter sent XX/XX/XXXX my monthly payment would be XX/XX/XXXX  if the deficiency was paid, which I had done.  I paid my payment over the phone, so they would have it immediately.  I was told everything would be straightened out again.  
  On XX/XX/XXXX I received a call threatening to make a hit on my credit score because my XX/XX/XXXX payment was not paid in full.  I explained to the worker she needed to read thru my account.  She said she would get back to me.  On XX/XX/XXXX I hadn't heard anything so I called the mortgage company to make sure everything was corrected.  It wasn't.  The worker after being on hold forever assured me it was taken care of and I would not receive anymore calls, hits on my credit score or penalties.  I also would receive my XX/XX/XXXX payment coupon with the correct amount on it.  She assured me I could send in the correct amount on my XX/XX/XXXX payment(sent XX/XX/XXXX).  I asked to talk to a supervisor who also assured me everything would be ok.  On XX/XX/XXXX I received another call telling me I had not paid my XX/XX/XXXX payment and they would be taking action against me.  I called back to them with the information I had from the previous day.  I was told the calls would continue until I paid my bill or the situation was corrected.  They cannot stop the calls until then.  I would have to send them a letter requesting all calls be stopped, from this point forth. They would not be able to call me for any reason.  This would not stop any action they would be taking.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CO)

I have XXXX hard inquiries on my credit report from XXXX XXXX in the same week. I did not authorize the inquiries and I have communicated this to them on two separate occasions and they will not remove them. The inquiries we made by a third party vendor contracted to XXXX XXXX. I have a fraud alert on my credit report and I did not follow through and give them permission to retrieve the information. The inquiries are listed on Equifax
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have attempted to dispute this item with Equifax several times and they have failed to provide me method of validation/verification used. This account is not mine and I would like for it to be investigated properly and or deleted ... 

Accounts : XXXX , XXXX - Acct # XXXX I have no knowledge or records of the listed account ( s ). 
Please advise me as to the name and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

Equifax reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show XXXX, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show XXXX, until XX/XX/XXXX when it should show pays as agreed, then should show XXXX for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (CA)

On XXXX, I called Discover to talk with them about an open dispute I have. 
My intention was to provide them with new information relating to the dispute, and verify the claims of the party I filed the dispute against. 
In speaking with agents at Discover, I was transferred multiple times, asked to repeat my information far too many times, and refused assistance.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (CA)

I RECEIVED A PHONE CALL FROM XXXX ON MY HOME SCREEN ON MY MOBILE DEVICE IT SHOWS THE NUMBER FROM COLORADO. WHEN I ANSWERED THE CALL THE MESSAGE STATED ABOUT MY CREDIT CARD BALANCE STATING TO PRESS XXXX. AFTER DOING THIS THE PERSON WHO ANSWERED MY CALL WAS XXXX AND SINGING.! I HUNG UP! ANOTHER NUMBER ASSOCIATED WITH THIS CALLXXXX XXXX XXXX.-CREDIT CARD/ LOWER INTEREST RATESXXXX XXXX XXXX XXXXBOTH THESE NUMBERS WERE FROM THE SAME CALLER. 


I RECEIVED XXXX CALL BUT XXXX DIFFERENT NUMBERS WERE SHOWN
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (MD)

Discover advertises a XXXX % cashback bonus on all purchases a consumer makes with a Discover card at a gas station. On XXXX, I made a {$46.00} purchase at XXXX with my card ending in XXXX. Discover failed to issue its advertised {$2.00} cashback bonus.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (ID)

XXXX XXXX XXXX quoted us ( homeowners ) up to {$1200.00} for complete water remediation AND repairs to our property. Nothing was signed by us but we agreed to pay a {$600.00} deposit to start. We never received a price list nor a written estimate. After water remediation was done XXXX sent us bill for {$1700.00}. We complained and they reduced bill to {$1200.00}. They never started any repairs so we did not pay any additional funds. Now we are getting collection notices from N.A.R. a collection agency demanding {$650.00}. As XXXX the work ( repairs ) was never completed we refuse to pay. In addition, our tenant has received a collection notice from N.A.R. for the same invoice but for the amount of {$1700.00}. Our tenant called N.A.R. and asked questions and was told he had to pay in full by XXXX XXXX or his credit score would be affected.
Consumer complaint received 2016-08-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (PA)

I received an email on XXXX XXXX 2016 from Discover Student Loans stating that they had not yet received my payment. I logged onto my banks website and saw that a payment of {$200.00} had been withdrawn from my account on XXXX XXXX at XXXX by Discover Student Loans. I then logged on to my DSL account and checked the payment history. My XX/XX/XXXX payment was marked {$200.00} and next to it was the word " paid ''. I went to the home screen and along of the top of the page was a banner that said my payment was past due. It also listed a minimum payment due of {$210.00}. I called DSL and talked to a CSR who informed me that my minimum payment due had changed in XX/XX/XXXX to {$200.00}. I told him that I had not received an email or any paperwork in the mail about this change. There was also no indication on the website that my minimum payment had changed. He responded that it had changed in XX/XX/XXXX, corrected himself and stated that the terms had changed in XX/XX/XXXX. He became very confused over whether the terms had changed in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. He indicated that I should have received a message in my account inbox on the site about this change even if I did n't receive an email. I checked the inbox and there were no documents present. When I told him this, he stated that the documents must have " expired '' and that I no longer had any access to these documents, but that the terms had changed in XX/XX/XXXX. He corrected himself again, stating that it was actually changed in XX/XX/XXXX. He was unable to provide any documentation when they had changed or what they had been changed too. The CSR then stated that in order to bring my account current, I would need to pay {$6.00}. I questioned why if I only owed {$6.00}, the website had {$210.00} listed as the minimum payment due. I had paid {$200.00} on XX/XX/XXXX, in the payment history it was marked as paid, so it should only be {$6.00} due. The CSR said that was correct, but the website would n't show partial payments only total minimum payments. Going to the online bill page, the past due amount was listed as {$0.00}, despite being told I owed {$6.00}. 

1. I was never notified about a change in payment terms. 

2. Discover Student Loans was unable to provide any documentation that the terms had changed ( my previous months statements had " expired '' as well ). 

3. The CSR I was talking to on the phone was confused as to when the payment terms had changed. He stated it was in XXXX, XX/XX/XXXX, and XX/XX/XXXX multiple times throughout the conversation. 

4. The site itself never stated how much I needed to pay to bring my account current.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK (PA)

Regarding the Discover Card Cash Advance Balance left over from the XXXX XXXX Statement, Per the Credit Card Accountability, Responsibility and Disclosure Act from XX/XX/XXXX, Any excess amount which is considered the difference from the minimum payment must be applied to the balance with the highest interest rate. 

I have recently contacted Discover over the discrepancy of the Cash Advance Credit Line Balance. They claim that I have - {$240.00} which would put my Cash Advance Credit Line Balance at {$4300.00}. I made a payment on XXXX XXXX, XXXX in the amount of {$750.00}. The minimum payment due was {$170.00}. This {$170.00} should have been applied to the Purchases Balance. The Purchases APR is 23.24 % while the Cash Advance APR is 25.24 %. 

Since speaking with XXXX different representatives from Discover, XXXX of them have come to the same calculations I was getting, while the XXXX stated that on some occasions, the portion of the payment that is supposed to go to the higher APR Line does n't always happen. This raises some red flags due to the fact that this impacts the Interest Calculations. The idea is that in general Accounting, both business parties ( Company & Consumer ) should be able to get matching figures on both Interest and Balances. Discover does not release what portion of your total payments go to Purchases or Cash Advances on the Statements released at the end of each cycle. This leaves a hole in the mathematical adjustments because not knowing what portions go to what Lines, the balances are impacted which in turn impacts the total Interest at the end of the cycle, due to there being XXXX different rates for each Line. 

The balances would have been as follows following the XXXX XXXX Statement for each Line : Purchases Balance carried over to the XXXX of XXXX ( includes Interest ) : {$4900.00} XXXX XXXX XXXX carried over to XX/XX/XXXX ( includes Fees and Interest ) : {$3800.00} Transactions from XX/XX/XXXX on : XX/XX/XXXX {$4.00} XXXX XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX - {$750.00} Payment ( minimum was {$170.00} ) ( {$170.00} goes to Purchases, {$570.00} to Cash Advances ) XX/XX/XXXX - {$5.00} Cashback Bonus Redemption ( Payment ) XX/XX/XXXX {$13.00} Cash Advance Fee XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX {$500.00} Cash Advances/XXXX XX/XX/XXXX {$25.00} Cash Advance Fee XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$120.00} Cash Advances/XXXX XXXX XX/XX/XXXX {$10.00} Cash Advance Fee All Cash Advance Transactions end at XX/XX/XXXX The total of all of these Cash Advance Transactions from XX/XX/XXXX to XX/XX/XXXX equal : {$920.00} The Payment Balance for Cash Advances subtracted from the Cash Advance Total above equals : {$920.00} - {$580.00} = {$340.00} Prior Cash Advance Balance ( {$3800.00} ) + New Cash Advance Transactions ( {$340.00} ) equals : {$4100.00} The Cash Advance Credit Line phases out at {$4100.00} ( Maximum allowed ) My available Cash Advance Credit Line should be - {$65.00}, not - {$240.00}
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: DRS Financial LLC (PA)

They are calling me at least two times a week reguarding a medical bill that is very old from about XX/XX/2012 I told them I was covered by insurance I told them to take it up with my current insurance and they are not doing that they are keep calling me asking me to pay a bill
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (FL)

Please refer to case number : XXXX I open my discover bank checking account when I see the XXXX dollars promotion after XXXX Direct Deposits. I have made XXXX direct deposits through my payroll to my discover banking account, but they refused to give me the opening bonus as they promised when I open my account. When I open the account and put the promotion code in, there was no indication or notification that it was by invitation only. The system accepted the promotion code and says I will receive XXXX dollar bonus after XXXX direct deposits.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FM)

I brought item in XX/XX/2016 from macys and within few days I return the item, however at the time of purchase they stated the charge would be placed on the club promotion plan that offers XXXX months interest free. when I made the return the person did not placed the returned on the promotional plan only on the revolving account. I have called many times regarding the issue but its hard to communicate with the representative but they are all in XXXX, when I ask to speak with account XXXX in united states I keep getting routed to XXXX. I have filed a complaint before regarding the same issue and they stated it was resolved. but looking at my statements the issue was not resolved I been getting for promotional balances also looking at the statement I also been charged interest rate charges for return items as well. im tired of calling and asking for account XXXX to review my ACCOUNT. and no one is doing anything about it. I have call to close my ACCOUNT. IM AT THE POINT THAT I DONT WANT TO PAY FOR SOMETHING THAT IS NOT ACCURATE OR FAIR AS cONSUMER!!!!! also you will look at my statement its states that if I paid {$180.00} for XXXX yrs my account will be paid off, than why am I getting charge XXXX????
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

On XXXX/XXXX/2016, I opened a Citigold checking account under promotion XXXX. I have a screen shot I made showing Citibank accepting this promotion code. This promotion grants XXXX Thank You points for opening the account which requires maintaining a {$50000.00} balance and a bill pay on two consecutive months within 60 days. I fulfilled these requirements. On XXXX/XXXX/2016, after not getting the promised points, I contacted Citi and they opened an investigation. A few days later when I again contacted Citibank the representative told me they could not investigate further until 90 days had passed following completion of the requirements ( which would have been XXXX/XXXX/2016 ). I still did not receive the points, so I contacted Citi again on XXXX/XXXX/2016 and the supervisor said they would not honor the promotion. Since I opened the account based on the promotion worth {$400.00} and met the requirements, I would like Citibank to honor the promotion and award the points.