davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (MD)

Mohela was my loan servicer for several years until XX/XX/XXXX/XX/XX/XXXX when I transferred to XXXX in anticipation of XXXX day filing for the XXXX XXXX ( PSLFP ). Upon reviewing my payment history with XXXX, I learned that Mohela had failed to put me on a standard ( " level '' ) PSLFP eligible XXXX repayment program in the summer of XXXX. This was despite the fact that I specified clearly in telephone calls with them that this was what I wanted and despite the fact that I had been only on other PSLFP eligible payment plans prior. Instead, Mohela, without my knowledge and understanding, apparently put me on a standard XXXX plan, which I did not realize until recently. ( This also begs the question - why would I want a XXXX month plan? ) As a result, XXXX informed me that none of the payments I had made since XX/XX/XXXX would likely count as qualifying payments for purposes of the PSLFP, since only XXXX term standard level payments plans qualify, in addition to XXXX, XXXX, and Pay As You Earn plans. 

In addition, at the same time ( summer XXXX ), Mohela failed to inform me that I was eligible for a payment plan with lower monthly payments ( either the Income Contingent Repayment plan or the amended Pay as You Earn plan ). This was despite the fact that I clearly specified in telephone calls with them that I wanted the PSLFP-eligible payment plan with the lowest monthly payments. Again, I only learned that a payment plan costing less per month should have been available to me once I was switched to XXXX. I estimate that this error on Mohela 's part cost me over {$3500.00} over the course of XXXX months.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I made my first repayment towards my Student Loan with XXXX XXXX, now Navient on XXXX XXXX, XXXX, one month after graduating from the University XXXX Maryland University XXXX. On XXXX XXXX, XXXX I paid {$500.00} towards my loan and have paid {$500.00} every month since. However, my account shows my first payment as XXXX XXXX, XXXX. My account is missing XXXX payments of {$500.00} and the interested that should be credited for them.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Premier Portfolio Group (IA)

I have received several calls from this group in the past until I filled complaints. They did stop for some time, but they are back at it again now. I am getting a voice mail saying that they have a bad check with my name on it and I need to contact them immediately. This is not possible. The name of the company that is calling is Premier Portfolio Group and the call back number is XXXX.
Consumer complaint received 2015-10-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (TX)

I have received phone calls from a person who would not identify themselves saying they were with a company called Trans World Systems. All they would disclose was that this was about a personal business matter. I asked them three times what it was in reference to and they said they would disclose that later on. I responded if you do not disclose what this is about then I will hang up, they would not so I hung up. The phone calls came on XXXX/XXXX/2015 at XXXX two days after I had XXXX which impeded my recovery. The other call came on XXXX/XXXX/2015 at XXXX. This company has an address of XXXX XXXX XXXX in XXXX, TX XXXX. The number that they call from is XXXX is not even a registered number. The XXXX that is given to them XXXX is registered to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The other number XXXX is actually registered to the company.
Consumer complaint received 2016-05-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

I was enrolled in XXXX XXXX for the XXXX semester of 2015. I was found ineligible for the XXXX and financial aid was declined so I had to drop out of my classes and leave school. I am now being told that the loan was paid and I owe the money. My transcripts will prove I did not attend school during this time and I would like to see what recourse I can take against XXXX XXXX because since they have reported me as being delinquent I my credit score has began to decline and It has lessened my financial capabilities.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I purchased an item on XXXX and the seller never sent the item to me. The seller basically entered and left the post office with the item I purchased. Its highly unlikely the product ever existed. I purchased a UV light during the early stages of the Covid-19 pandemic. Before my purchase I looked at the seller information, the seller was located in the USA, after my purchase the seller was located in XXXX. I was told I have to wait two months the time frame the seller had to make things right. I pointed out the item I paid for isn't being delivered to me. They claimed their hands are tied, rules are rules. Afterwards, I told them the card I used expired. I need to give them the updated information. Paypal told me they can't update the card. They had to send it to the expired bank card. After that they closed the case. Even though I told them my bank wont accept transactions on the old card. I told them other businesses ask me to update my bank card after the expiration date. An example is XXXX. Basically, Paypal believe my money is their money. Its always the run around. Always folks who don't care or understand what they're doing. They've been instructed to steal money while pretending to be customer service.
Consumer complaint received 2016-10-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kramer & Frank, P.C. (MO)

This is an account that I had with XXXX over 10 years ago. I receive a garnishment on this account in XXXX. So I paid & XXXX on a {$500.00} credit card bill. I paid it because I knew that I did owe XXXX. I got behind on all my bills in XXXX, because I lost my job and I had to take lower paying positions. I never received a summons from the court to appear for this judgment. Today I received a garnishment for the same account for XXXX for # XXXX from Frank & Kramer stating that they gave me a {$1800.00} credit on {$1400.00} judgment and that I owed {$1300.00} in post judgment interest. My credit limit was only {$500.00} and the statute of limitations is over on this account the original judgment date is XX/XX/XXXX and I received the first garnishment in XXXX. How can I be sued for claim that I never received a court summons on. This issue was resolved by the CFPB back in XX/XX/2016 case # XXXX and Frank & Kramer dropped the garnishment against me stating it was paid. They started another garnishment for the same account in XX/XX/2016. They have taken a total of {$770.00} addition money out of my pay check. As I stated above this account was paid in full back XXXX. I would like a refund of the additional money taken out of my account. Thank You
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

The institution that I attended ( XXXX XXXX School ) was closed due to mismanagement of Federal Aid. I believe that I was wrongly charged to attend this school and would like my debt amended, since this institution is no longer in business. I am still being charged by Navient which there is a lawsuit pending against for overcharging students. Thank you
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DataMax Corporation (FL)

not only is this debt paid but I have proof from XXXX it is not mine as well as the time it was paid I was living in a furnished apartment XXXX XXXX XXXX, Fl . that did not require me to have electric in my name. On top of that I have filed enormous Identity theft reports with the credit reporting companies and all the debt collectors.
Consumer complaint received 2016-09-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

Citi Bank was running a promotion where you could earn XXXX of their thankyou points after opening a citigold checking account and meeting a couple of requirements. I talked with a citi employee, XXXX, to see if I qualified for this promotion before opening it. I was told that, in fact, I was on XX/XX/XXXX. 2 months later I was told by a different citi employee that I had met the requirements and my points would post XX/XX/XXXX. When they did n't post I contacted a citi representative who opened an investigation. This investigation concluded that I did n't qualify for the promotion and would not receive any bonus points. I called to explain to a manager that one of their employees had confirmed I was qualified and asked why I was told this if it was n't true. A new investigation was opened which ended with the same exact document being sent to me on XX/XX/XXXX saying I was n't qualified. During this time I have been charged the monthly service fee of {$30.00} even though my points have not been given to me as promised.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (IL)

I have a Macy 's credit card. 
Back in XXXX, I had called their agents to set up the automatic payment. I was told that my request has been taken care of. But later in XXXX, I received a non payment notice. Upon receival of the notice, I contacted the bank for more information and learnt that there is no auto payment set up on my account. They were happy to remove the late fee but are not ready to correct my credit bureau reporting. I reached them out repeatedly through various channels but they are not accepting my request. As a consumer, I do not have any documentation of the call and detail of what was discussed in the call, but I was informed on XXXX that if a payment is made after auto pay setup, auto pay set up gets cancelled, ( I was not informed about this back in XXXX ). 
I have also not received any statement after XX/XX/XXXXXX/XX/XXXX which might have told me about the amount I owe and is not paid. Macy 's also did not send any such alert as well that would have helped me as a reminder of a non payment or auto pay getting cancelled/non setup. 

I have no way to prove that I have requested any such service because this issue never happened with any other banks that have auto payment set up option.
Consumer complaint received 2015-04-23
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Green Square Company LLC. (KY)

I have informed this company on several occasions that I am not allowed to receive phone calls at work. I spoke to a representative on XXXX/XXXX/15 who assured me he would remove my information from their system and I would receive no further calls at work. He transferred me to an office manager who asked me to verify my social security number. I refused and asked to be mailed information, and he hung up on me. Today, XXXX/XXXX/15, I received a voicemail on my work phone from this same company stating that my claim had been escalated to litigation as I had refused to contact the company and make a statement on my own behalf. Once again, they have left a message on a phone that my supervisor has access to.
Consumer complaint received 2015-06-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Synovus Bank (GA)

I, AM XXXX XXXX XXXX HAVE A LOAN WITH XXXX BANK, AND THEY REFERED IT TO THEIR MORTAGE COMPANY, SYNOVIS BANK. THAT WAS ALRIGHT, THE ISSUE IS I OWE SOME PROPERTY TAX ON MY HOME AND MY DAUGHTER XXXX WAS PAYING THEM, SHE WENT AND PAYED SOME OF THE TAX, BUY THE TAX COMMISSIONER WROTE AND OR CALL THE BANK AND TOLD THEM HE WAS PUTTING MY HOME UP FOR SALE THE BANK TOOK ON AND PAYED SOME OF THE TAX, THAT WOULD HAVE BEEN ALRIGHT BUT I DID NOT AUTHORISE THE COUNTY TO DO THAT OR I DID NOT SIGN A RELESE FORM FOR THE BANK TO TAKE ACTION, I WENT TO XXXX BANK AND TALKED TO THE BRANCK MANAGER, AFTER I DID NOT HEEAR FROM HIM, I WROTE A LETTER TO THE BANK AND SENT A COPY TO XXXX XXXX THE TAX COMMISSIONER FOR XXXX COUNTY, WAS IT RIGHT FOR THE BANK OR THE COMMISSIONER TO TAKE ACTION WITHOUT MY INVOLVEMENT I WOULD LIKE TO KNOW, WHERE I LIVE THE COUNTY AND THE CITY OF XXXX, EXTENDED THE JAIL HOUSE IN OUR COMMUNITY AND I ASK THE TAX AJUSTER TO COME OUT AND RE EVAUL MY PROPERTY THAT NEVER HAPPER. 
I APPLIED FOR HOME OWENER TAX RELIEF THAT WAS NOT GRANTED, IAM XXXX ON A FIX INCOMEAND WHERE I LIVE THE ONLY SERVICE WE GET IS FROM THE CITY THAT IS WATER, AND TRASH PICK UP IF YOU WILL HELP ME UNDERSTAND IF THEY ARE RIGHT OR WRONG I WILL APRECIATE IT. 

SINCERELY XXXX XXXX XXXX.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MI)

On XXXX XXXX I received an email fro XXXX XXXX that I had a delinquent account. I found out from their web site that the account was with THD/CB, which means The Home Depot / CitiBank. 
Home Depot Credit said the XXXX statement was returned to them by the post office. No attempts were made to contact me at all., I asked why, and the supervisor told me they do n't, legally, have to do it. They said they blocked my account and that if I had gone into the store and tried to charge something I would have known that. I do n't, very often, shop at Home Depot. 
While on the phone with the supervisor I paid the balance of my account, {$130.00}, and figured everything was OK. I asked them to remove the delinquency from my account and they told me they would not do that because it was not the bank 's fault the payment was late.I wonder how long it would have been if XXXX XXXX had not notified me of the problem. 
We spend half the year in XXXX and the other half in XXXX, I always fill out the " change of address '' form at the post office, that rarely works smoothly. But I received and paid my XXXX, XXXX, and XXXX bill from Home Depot Credit. 
I have NO idea why XXXX 's bill was returned to Home Depot Credit, and they wo n't prove to me that it was. 
I have since talked to many of their " supervisors '' as well as all three credit reporting agencies. They have contacted Citi Bank to see if they could change the status of the delinquency, but they refuse saying it was not the banks fault and I should have been paying on that account even though I was NOT receiving any monthly statements. 
I was told by one supervisor that they do n't have time to " chase down '' everybody that 's late paying their bill. Another told me it would take " a skyscraper full of people '' to contact people who have problems with their account. This ca n't be true because 3 yeras ago Sears Credit, also handled by Citi Bank, called me via robot computer and told me to call customer service about my account. I do n't recall what the problem was but it was solved then and there, they said they reach out to their customers as soon as a payment is late. 
I called 4 other credit card companies, and they said the same thing, but not Citi Bank. It seems as though they are just trying to cover up some mistake they made, the did send me a check for the late fees that accrued. 
I now have a " black '' mark on my otherwise perfect credit reports of about 40 years. This is devastating to me because I 'm real proud of my credit history, now it 's messed up because of this mess. 
I 've contacted a Consumer Law attorney to see what my options are and I 'm not going to give up until CitiBank corrects their mistake.
Consumer complaint received 2016-06-06
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 am the co-signer of my Son 's student loan from Navient. My son applied for and was granted a reduced rate payment plan. However, Navient was still reporting past due payments. I contracted Navient and spoke to their agent XXXX XXXX where he discovered that the accounts were still reflecting the old rate not the reduced rate. I spent an hour on the phone with him as he corrected the accounts and got them up to date and paid in full. He said everything was corrected and no monies or further action was required on my part. Going forward Navient reported to all XXXX credit bureaus that the XXXX accounts in question where 60 days past due and all XXXX of my scores took a tremendous hit and went down close to XXXX points. I 've made numerous phone calls to Navient beginning in XXXX to explain and they conceded that made an error and would retract the 60 day late payments made to all three credit bureaus. I 've written them letters asking them to investigate as 60 days late is still showing on my credit reports. Friday XXXX XXXX, Navient sent me results of their investigation saying the 60 days late is accurate and will not remove it from my credit reports. Between the taped phone calls and typed phone transactions with several agents it will prove my version of events is true and accurate. I am appealing their decision once again, however, I fear they will give me the same results. I really need your assistance as I have no idea how to proceed to have their wrong righted on my credit reports
Consumer complaint received 2015-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

I believed my identity was stolen and filed various disputes with credit bureaus on debts that were not mine and was successful in eliminating them. Now transworld systems is trying to charge me again for these debts harrasing me. They call on weekends early morning and night and they keep asking for personal information by asking me to " verify '' when the debts are not mine!!
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

Dear CFPB : My Citi bank credit card was stolen and I informed Citi and they did remove some charges but not all of them. They keep sending me a new bill with late charges and interest. I spend a lot of time on the phone with them to clear up this problem. They told me their fraud department is slow. I stop using the card and asked them to cancel the card. 
Could you please help me clear this up? XXXX XXXX XXXX Card # XXXX
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I reported XXXX fraudulent charges on my Citibank card, and was told I would not be responsible for the fraudulent charges which would be reversed in 3-5 business days. XXXX were reversed in two days. The third is still on the account. I have spoken to XXXX representatives over two weeks, including representatives from the " Fraud Department '' and the " Billing Disputes '' department. I have been given three dates by which I was assured the charge would be reversed ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I have been told I need to speak with the " XXXX Department '' but could not be connected to them because they were " very busy ''. I was given XXXX different phone numbers to call the Security Department directly, however all three are always busy at all times of the day. In five more business days, the fraudulent charge will start accruing finance charges, in which case I will have to fight to dispute those charges in addition to the original fraudulent charge.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (IL)

a credit card account was open without my knowledge. i have contacted the bank it was issued from and informed them that it is not me. i fond out about it my way of a statement in the mail. they bought men 's cloths from macy 's and location that is given on the bill is XXXX XXXX.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax was hacked and this resulted in the disclosure of credit information including social security information for millions of persons including myself. At a minimum, the CEO, CFO and IT security people need to be FIRED, FINED heavily, and JAILED for gross incompetence. In addition, the company should be liable for any and all financial losses for all individuals whose information was stolen, and used illegally for any purpose. There is NO excuse for this at all. The databases where this information is kept must be so secure that no one individual has access to open and download the files by hacking. The personal data needs to be strongly encrypted at the source and it should require at least two valid VP level usernames and strong passwords for each to access the database files. These databases need to be virtually unbreakable. After a small number of unsuccessful attempts to open/hack the database, the system should lock out the attempted hackers so they can not open the database even with the valid userID and password.
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OR)

We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (MO)

Navient added remarks to my student loan.I was forced into forbearance by navient again.I am scheduled to resume making monthly payments of {$170.00} a month.Starting in XXXX 2017.Navient continues to add balance increased on my credit report, but I am in forbearance.Navient is not allowed to make add any remarks to my credit during this time.They did not ask me to add these remarks.This company is horrible and they all should be arrested for fraudulently credit reporting.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I recently closed my Citi Premier credit card approximately 2.5 months ago and was never informed by the company that they would remove the Thank You Points in my account despite the fact that I have other credit cards with Citi that earn Thank You Points. I contacted Citi within a week of losing my points but Citi refuses to reactive the points. They refuse to allow me to speak with someone who makes these decisions and have provided no reason as to why they 've denied my request.
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (IL)

I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. 
I closed this account on XXXX day after this fee appeared in the monthly statement. 
Customer service refused to refund the annual fee either in full or pro-rated.