davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MA)

I have received 4 telephone messages from Transworld Systems Incorporated in the past month. They call once a week from XXXX and leave a message to call XXXX XXXX at XXXX. They explicitly state that it is an attempt to collect a debt. I did n't call back because I have not received any written notice of any debt, have no knowledge of any debt and they actually do n't indicate who the call is intended for.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: TRANSWORLD SYSTEMS INC (NJ)

Called me at work -Womans tone on the phone was extremely loud. Everytime I asked for proof of the validity of the debt she kept on saying I owe the debt and we sent you stuff, I never got it told her that and then asked me where I worked. Rude ladyCalled me from a cell number - XXXX Kept on asking why ca n't I pay today. Said I was n't til I see copy of bill she refused to send me a copy. 

They call me XXXX sometimes XXXX times a day and never leave messages
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CU Recovery, Inc. (OR)

Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.
Consumer complaint received 2016-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Hello, We have had several aggressive lenders coming after our family over our past debt. They call me or call my family members asking for me. When we answer the phone, they start yelling, saying that " They are n't playing any games '', or say that they have pending lawsuits in my name and try and get my personal information from my relatives. They have sent letters to my home trying to bait me into making payments by offering discounts and payment plans. All of my major debt is over eight years old. The statute of limitations in my state, California, is four years. My credit report still shows my old debts and I am unable to move forward. I do n't know where else to turn for help.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

At the age of just XXXX I was already being pressured into a student loan. I was not considered an XXXX although I did not have contact with family and was supporting myself financially. I agreed to a student loan with XXXX / Navient. After a few academic semesters I had to choose work over school as I was my sole income. I explained this situation to XXXX many times. I was often called and harassed to make payments of {$220.00} a month on a total balance of {$3500.00}. This at the time was not physically possible for me to do. I was never offered an option for income-based loan repayments. Instead I was offered forbearance twice for a total of XXXX year. After this I was still unable to make those high payments. My loan went into default and after years of begging to make $ XXXX monthly payments rather than no payments I was denied. I could n't even go back to school to possibly defer payments since I was in default. This in turn ruined my credit at a very early age which caused me to accept unethically high APR on auto loan and to be denied credit for many instances. It was only XXXX years ago that I entered the XXXX XXXX program which allowed me to get my loan out of default. Once again they wanted payments in the amount that I could not afford. I was forced to extend my loan out by many years just to afford payments. Not to mention the incredibly high fees for having transferred loan between lenders and collections. This small student loan will end up costing me more than double the amount I originally borrowed. It has taken me years to semi-repair the damage.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Nearly ten years ago, the Public Service Loan Forgiveness plan started. As a professor at a public college since XXXX, with crushing student loan debt, I was thrilled to hear about the program. My student loans were nearly triple the value of my gross annual salary at the time, so I was interested to hear more about it. Each time I inquired about it, particularly to find out what my monthly payments would be, I was told that there were no estimated costs and that I just needed to switch to the Income Based Repayment ( IBR ) plan to find out. With a low salary and many debts, I was afraid to switch from my 30-year monthly payment plan to some unknown dollar amount. So I waited three years before I bit the bullet, still with no estimate of what the payments would be. Fortunately, my monthly payments were reduced by nearly {$100.00} a month on the IBR plan. Unfortunately, I had lost 3 years of loan forgiveness, even though I was paying more per month on my loans in a qualifying public service position. At that time, the XXXX agent told me that I could not retroactively change to the IBR plan in order to recoup those 3 years. There were also no application forms for the PLSF program, and I was informed that I need only submit the employment verification sometime in the next 10 years to ensure that I was added into the program. 
Fast forward to today - I still owe nearly 130 % of my gross annual salary in the same public service position, the PLSF program applications are available online, and I finally submitted my application to see where I stood in terms of the number of payments left before my loans would be forgiven. I am furious at the response letter I just received in the mail from XXXX, stating that I am not eligible for PLSC due to " No Eligible Loan Type ( s ). '' My loans were originally issued via the XXXX Federal Direct Loan Program, some subsidized, some not. Those loans are indeed part of the forgiveness plan. It is my best guess that the method of consolidation I chose back when I switched to a 30-year repayment plan through XXXX disqualified me from the program, but I am uncertain. I 'm really not sure how to fix the problem. It is difficult to navigate between the XXXX that reviews the PSLF applications and two different loan servicers that have changed through time, first XXXX and now Navient. I feel that I have been duped, and I would like to correct the situation at least back to XXXX, if not all the way back to the beginning of the PLSC program in XXXX. I am happy to provide any employment and income verification needed in order to rectify this issue. Please help.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

initially I was not informed about the switch from XXXX to navient. I over looked that. then I never got any letters about my loans. so I tried to log in. it failed and I went through all sorts of trouble shooting stuff. months later finally logged in. they had my address entered incorrect and with everything else it made me XXXX months in default on my loans. with XXXX they were in forbearance and since I was never notified of the change for almost a year ( saw a commercial ). now I am {$200000.00} in default on my student loans and they will not to anything to help me fix it.
Consumer complaint received 2016-11-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

Short-term forebearance. Lasts around 3 months, then calls about 3-4 times a day. 
Unwilling to lower payment amount. 
School closed down. Was essentially strong-armed into taking only private loans as the financial aid advisors told me I could n't qualify for any other financial aid. Was made to renew every semester with the claim " you do n't sign it, you ca n't continue/graduate '' Did n't receive diploma until loans were paid, even after graduation. 
Was told I could n't get forebearance, then told I could. 
Non-stop calls once forebearance/deferment ends
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KY)

I have several thousand dollars worth of student loans that I have been trying to pay for over six years now. Monthly, it can be hard to make my almost {$200.00} loan payment on top of my other expenses. Even though I am a hard-working woman that help support my family, I still find it hard to financially meet our needs especially with high payments like my student loans. When I tried to apply for an income-based payment plan, I was put on forbearance for four months, which I greatly appreciate it because I was not able to make my payment in this timeframe, But I was not told that this would negatively impact my credit score and that I would continue to collect interest on those loans. When my application finally went through, instead of my payments being lowered they increased over {$100.00}. Making my monthly payment almost {$400.00} a month. I called the customer service line to discuss my options and I was told that because I made too much money I did not qualify for a repayment plan, the only thing that this organization would do for me is to put me on forbearance. I am currently still on forbearance until I can file my XX/XX/2016 taxes showing that my husband and I are filing married but separate in order to be able to get My payments lower. This system makes sure that people that try to better themselves by getting an education are stuck with crippling debt for years to come, with no way of getting ahead.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I tried to refinance my student loans. Being that I was always on time with my payments, I thought that Navient would help. As soon as I even started the question, they told me that there was no way AT ALL that I could refinance my loan. I was shot down from the beginning! My student loans were at a 9.5 % interest rate! I would make a payment every month for the balance to just stay the same. I was barely making it out alive. Thankfully I have a good job that allows me to pay my loans but I constantly had this feeling of despair that I would NEVER pay off my student loan. I actually still feel that way.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

CFPB mishandled complaint # XXXX. CFPB should have contacted JP Morgan Chase ; to the best of my knowledge, they did not. There is no reference or communication from Chase, but the case was CLOSED based on XXXX 's words, not documents which banks must use to complete transactions. Therefore, this complaint is against Chase. 
Chase did NOT advise me, their customer, that items were returned and at one time the account was frozen. XXXX reports actions beginning in XX/XX/XXXX which were NEVER reported to me until XX/XX/XXXX. Chase has denied -- several times -- that they received EFTs from XXXX ; they deny that the account was ever frozen. 
The account was NEVER overdrawn : Chase emails notifications for transactions over {$150.00}. and reports when the balance is less than {$100.00}. 
I questioned their system in XXXX, XXXX and PURPOSELY overdrew the account with an EFT. I was notified immediately and the item was paid. 
JP MORGAN CHASE notifies me of all actions regarding the checking account yet they failed to point out the problem with XXXX BECAUSE they deny any irregularities with the account. Never FROZEN, no UNAUTHORIZED USERS, no OVERDRAFTS.
Consumer complaint received 2016-10-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bliksum, LLC (CT)

Received an e-mail from the company below demanding pay from a loan that I did not make. The address in the bill is different then mine and the name does not have a middle initial, also I do n't know how they got may e-mail. 

Do n't know if this company is legit. 

e-mail from XXXXXXXXXXXX XXXX XXXX ( 2 days ago ) to me XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Loan # XXXX Dear XXXX XXXX, This e-mail is to inform you that we will be debiting your account for the outstanding payment due or fees of {$290.00} on XXXX/XXXX/2016 XXXX 

Sincerely, LoanMe , Inc . 
XXXX This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

I purchased a refrigerator at Best Buy and the customer representative set up the account for 18 months deferred interest. After 18 months over {$1100.00} in interest was backed charged. I did n't receive any advance notice that the promotional interest free date was ending. Not one notice was emailed or mailed to me regarding the promotion ending and the charges that would occur. I did not receive any billing statements by email or postal mail in XXXX 2016. I feel this a bait and switch tactic as there are no alerts or special notices emailed or sent to the customer after 18 months to indicate the end of the promotion. I was advised subsequently there is a 1 line small detail in the regular online statement. ( However I did not receive any emailed regular statements indicating this information ) Most customers will forget after 18 months without any reminders. I believe the interest should be removed as this is a bail and switch and I was not properly notified by email or postal mail of the change in terms. In addition they changed my billing to paperless without any notification, however I also did not even receive a regular email statement with the information.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (AZ)

Citi mortgage, loan XXXX foreclosed on my home even though I had already paid over {$20000.00} ; they also arranged insurance and made money off my premiums. 
I want my money back to take care of my XXXX brother and XXXX year old Mother. 
We can barely afford XXXX bedroom apartment but sleep on chairs by my brother 's bedside.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

Multiple hard pulls of credit report for credit application On XXXX XXXX 2016, I applied for Synchrony Bank WalMart store card. At the end of the application, I was told to call an XXXX number to verify some info. I called on XXXX XXXX. I was told my physical address is needed in addition to the XXXX XXXX I had stated on my application. I gave the customer service associate my physical address. At this point Synchrony Bank ran my XXXX report again for a second for the same application. On XXXX XXXX, I had applied for a Lowes Sycnhrony store card. I received a letter in the mail asking me to send info about my physical address. I sent to Synchrony Bank, the info they requested and the letter was received on XXXX XXXX. Again Sycnhrony Bank ran my XXXX report for a second time. Thus, for an application for XXXX Synchrony Bank cards, this bank ran my XXXX XXXX report four times. I had applied for a XXXX XXXX card and I was told to call to provide my physical address. I did and my report was ran once, which was the date of the original application, XXXX XXXX.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MA)

In reference to Case number : XXXX closed without an answer. 
Citi sent us a letter denying the request to re-issue the check by stating they did not purchase XXXX and advises us to call XXXX. 
The problem with this is that all of XXXX 's toll-free numbers are owned by Citi and ring Citi 's mortgage units. This clearly shows that Citi purchased XXXX.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lending Club Corp (TX)

BEING SUED IN SMALL CLAIMS BY XXXX, UPON CALLING THEM TO VERIFY THE DEB, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING LENDING CLUB WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX WEB SITE NOT LENDING CLUB ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

I applied for a Citibank credit card online and was declined. I received a letter stating I already had a card and gave a number to call them. I called the phone number, explained I did NOT have a card, explained that I have and live with my XXXX brother where all of our information is identical except consecutive social security numbers. He does have a card, and it was my idea that perhaps Citibank was getting the information crossed, that he has a card and Citibank was thinking it was me, they directed the call to the fraud department apparently they have more authority to look on the " back end '' of the application process, whatever that means. The fraud department advised that was most likely the issue that the " system '' was thinking my brother and I were the same " input '' on the application system. They advised to try to submit another application and try again, etc, and this process was repeated two more times. The man at the fraud department advised to use a different address for another inquiry so I also tried that and then had that business address show up on the credit report as well. XXXX inquiries are appearing on my credit report now, which is lowering my score. I have a XXXX fico and that 's not the issue, the Citibank system keeps saying a have a card, as explained earlier. I have since this mess tried to dispute the inquiries on my credit report with the credit bureaus, since I should not have them stand due to the mix up and inability of the Citibank system to distinguish there are XXXX different people ( by the way my brother also has XXXX fico ). The credit bureaus state that the creditor is verifying as valid, and this is NOT CORRECT and they need to be removed from my report, so please help. It 's not right to have them stay on the credit report as there is some type of glitch at Citibank, and I was advised to keep trying, and since there is no possibility of getting a card and at this point I do n't want one after this fiasco, there should not be any damage to myself on this behalf. I just want to be very clear that my brother is not involved in this in any way, just to explain of the issue of consecutive social security numbers with same last names and same birthdays and same addresses, etc, you see the problem. The dates of the inquiries are XXXX XXXX, XXXX, and XXXX XXXX, XXXX and XXXX XXXX, XXXX. Thank you.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (AZ)

I recently opened a new XXXX XXXX credit card with Citibank.This was a promotion offered by Citi/XXXX XXXX in their online reservation payment area. I was able to charge a flight immediately on the card, as they gave me temporary information on the telephone when I signed up. 
Yesterday, XXXX XXXX, 2016, I received the card and immediately logged into their online system ( which I was unable to do with the temporary information they provided at signup ). The Citibank website informed me that my statement had closed on XXXX XXXX and the amount was due on XXXX XXXX. I had not received a statement in the mail ( it arrived today- XXXX XXXX ) and it is not yet available on the website. 
It is my understanding that a customer is entitled to 21 days to review their statement, but I was not provided this. ( 21 days from today is XXXX XXXX. ). I contacted Citi by chat and message, but they refuse to allow me the full 21 days and simply reply with their scripts. I believe that their failure to provide me with the full 21 day grace period should result in them moving the charges to the next statement and resulting due date.