davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I could not remember the password to my Venmo account and so I created a new one to replace the old. 
I did finally gain access to my old account and I was attempting to purchase Bitcoin through Venmo. However, I did not realize that you could not send Bitcoin out of your Venmo balance, so I exchanged it back into USD. 
In this process all Venmo accounts were frozen due to unauthorized activity. The funds in my accounts ( totally {$360.00} ) was unavailable to me until Venmo support could look into the issue. 
It has been nearly a week and a half and I still had not heard from them as to a solution. I sent an email today requesting status of the pending frozen account and I received an email stating they were going to permanently delete all Venmo accounts and the funds in the account would be unavailable to me. They would send an email in the future if the funds were available to transfer out. 

This is unacceptable. I understand that they ask consumers to only have one account, but for them to freeze my accounts and limit the access to my funds and then ultimately prevent me from accessing them at all, is not ok. I hope the CFPB can look into this because Venmo is not treating their customers in the way they should. The funds in the account are mine, not Venmos.
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (CA)

An agency named XXXX attempted to contact me but called my husband. This has happened before and they contacted my sister in law in a different state. The phone # is XXXX. Tis XXXX time I did not let them go on as per information on line and my attorney this is a scam. The XXXX woman when I just called back was named XXXX XXXX. They claimed I have an unpaid Payday Loan which I never had. Today they wanted me to pay them to clear up information about a payday loan. The first time they threatened me with legal action ( the Sheriff Dept. and court would charge me ) if I did not pay them now. They were threatening and very unprofessional and made no sense so I have always hung up. The scary part is they have my SS # and banking information. This, to me, is a clear case of identity theft. How should I proceed? 
XXXX
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Lazega & Johanson LLC (GA)

In XXXX, I agreed to a Settlement Agreement with XXXX for the repayment of my daughters student loan debt. Our agreement was for {$500.00} a month until the debt is paid off. In XXXX that debt was sold/transferred to Lazega & Johansen in which I sent my payments of {$500.00} a month. On XXXX I received a letter from XXXX- XXXX stating that they were taking over the collection of XXXX of the loans and I should remit payment to them. My problem is the settlement I negotiated was made for all loans including this XXXX for a total payment amount of {$500.00} per month. How does this affect my payment situation? If they are also collecting how much goes to them and how much goes to Lazega & Johansen? This is confusing and seems in violation of the settlement agreement if I am asking to pay more than the negotiated amount and on top of that there is no sure way I can keep tabs of the balance with different entities being involved. If they ( Lazega & Johansen ) sells the other XXXX loans that 's XXXX different debtors I am being asked to pay. I was doing the right thing by negotiating and settling this debt but this new transfer is causing me much concern. Please help!
Consumer complaint received 2016-05-03
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GVA Holdings, LLC (WA)

I was contacted by XXXX XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called River Bend Cash. 

River Bend Cash has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

XXXX XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.
Consumer complaint received 2015-04-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC. (FL)

In XXXX of 2014 I paid off an online payday loan. The original creditor was XXXX XXXX with a loan amout was {$300.00}. In order to avoid any legal action I had to pay {$760.00} to XXXX XXXX XXXX. They said someone was on their way to serve me with papers because I 'm being accussed of bank fraud and writing a bad check. I panicked and paid the {$760.00}. A XXXX weeks later I started getting calls from Clear Credit Solutions and they left me voicemails stating it was a legal matter that I needed to resolve before it goes further. I have only received funds from XXXX online payday loan which was paid off. These people continue to call both me and my finance ( who 's name is not on the loan only used as a reference ) and threaten to take legal action if I do n't pay. I 've filed compliants before with the attorney generals office, FTC and CFPB but nothing happens and I 'm scared.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (MD)

On XXXX/XXXX/16, I went to the ATM located at the M & T bank at XXXX XXXX XXXX XXXX, XXXX, VA around XXXX. I use this ATM on a regular basis usually every other Thursday when my payroll has been directly deposited into my account. I attempted to get {$310.00} from the machine. The ATM made a long grinding noise and did not complete my transaction. No monies were dispersed to me. I left and went to work. I checked my online account for verification that my account was not debited. However, my account had been debited for the {$310.00}. I immediately contacted M & T bank to inform them of the situation as well as the branch where the ATM is located. M & T bank issued me a provisional credit of {$310.00} pending their investigation. I received a letter from M & T bank dated XXXX/XXXX/16 informing me that they determined that the transaction in question was processed correctly and no error had occurred and they were denying my claim. They then erroneously reversed the provisional credit of {$310.00} on XXXX/XXXX/16. I immediately contacted M & T regarding this matter and they informed me that I could submit a letter requesting that they re-open the investigation, which I drafted and faxed to them on XXXX/XXXX/16. As I informed them in my letter they should pull the film and look at it and they will see that no monies was dispersed to me when I was at the ATM on XXXX/XXXX/16. M & T bank wrongly debited my account for {$310.00} and I want my money to be correctly returned to my bank account. My payroll check is directly deposited into my account every other Thursday and a deposit was made on XXXX/XXXX/16 so there was no issue with the funds being available. Given my stellar banking relationship with M & T bank which spans approximately 20 years I strongly disapprove of their handling of this matter. This makes me very uneasy as a consumer that a banking institution can incorrectly take monies from my account. No monies were dispersed to me from the ATM on XXXX/XXXX/16 and M & T bank wrongly took monies from my account. I want and need my money back.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I reached out to my credit card company, Citibank, for an issue in regards to a service I received. The issue was around dental service, the service was done inefficiently. I have documentation to support I had to get the tooth retreated because of the improper treatment of the tooth. I contacted the bank to show I had to have the surgery to retreat the tooth and highlighted the issues. They informed me since it was 60 days after the issue I could not do anything. I think this is unjust, because this is a dental issue, 60 days is not efficient for this sort of issue. If this was a product, but a dental issue is a different thing. This is an issue, I am sure numerous people have issues similar, Citibank needs to better in addressing these issues.
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. (FL)

I have been given no reasonable options to pay. I am a father of XXXX and my wife has XXXX, I am strong to make ends meet ... let alone pay {$700.00} plus a month on student loans.
Consumer complaint received 2015-04-02
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: GVA Holdings, LLC (IL)

XXXX KEPT TAKING MONEY FROM MY CHECKING ACCOUNT, AFTER I TOLD THEM I WANTED FINAL BILL AND WOULD PAY VIA MONEY ORDER VIA XXXX MAIL. ON OR ABOUT XXXX/XXXXXX/XX/XXXX XXXX XXXX FROM XXXX XXXX XXXX CALLED SEVERAL TIMES STATING THAT I WOULD BE XXXX AND THAT SOMEONE WAS COMMING AND KEPT CALLING XXXX TRYING TO SEND CEASE AND DESIST, DO NOT CALL, VALIDATION, I HAD ONLY XXXX XXXX FROM CALLER I.D . XXXX finally delete XXXX tradeline from all bureaus, XXXX etcc.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

My wife rented a car from XXXX. A tire blew out and the car had to be towed. To our shock, we both saw the car with the flat, more than 14 days later, XXXX produced pictures of damaging they say totaled more than {$3000.00}. We demanded pictures and proof from the next day. Never produced. We demanded our insurance company call " bull '' on the attempt to fleece them and ultimately damage us with a higher insurance premium. XXXX XXXX did not, to our chagrin, and paid all but the deductible of {$250.00}. We have paid it to avoid a report on the credit bureau since a bill collector is chasing us now. 

I am a XXXX ( XXXX ). I see true value in your mission based on these continuing attempts and successes of businesses candidly XXXX consumers unfairly and without conscience. In particular, we have heard too many stories of car rental companies fleecing thousands of dollars from its clients. Enough is enough. 

Thanks for viewing.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OR)

I have a citicard CBNA balance on my credit report of {$4200.00}. I have no idea what this is. I had a citicard XXXX card but the balance was paid off in full last year. I need this removed from my credit report!!
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

For the last several days, I have been trying to pay my credit card account with Citibank. Each time I call, I am rerouted to a person or a voicemail that tells me that has blocked my payment. I have also requested an email so that I can correspond with Citibank, but none has been provided to me. 
I am concerned that Citibank is not allowing me to pay as I regularly do, so that it can seem like I am not making any good faith payments and so that it can appear that I am not paying anything on my account. 
I have reached out to Citibank several times to resolve my account and to formulate a payment plan. 
Additionally, recently, I reached out to Citibank as they stated that they wanted to work with me and offer a Hardship Program. The question from the Citibank representative was, " How much could I afford to pay each month? '' When I told him the amount, he counter offered an amount at double what I said I could afford to pay. I was completely baffled as to why the question would be posed to me and then completely ignored. 
I would like to get my account in good standing with Citibank and pay a reasonable amount that is affordable. I offered to pay XXXX per month. 
I hope that Citibank is not being retaliatory in any way since I reached out to The Financial Protection Bureau. It is my hope that Citibank will work with me, as I am doing my best to pay what I owe and as a first time request, re age my account.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NV)

I had a contract with XXXX advertising for my XXXX career. I cancelled the contract and followed the contract to the letter. Supervisors and everyone at Citibank that I had spoken with agreed that I followed the contract. However, they stated since XXXX 2016 that they are still reviewing my case after XXXX only gave me a partial refund. They shorted me some XXXX+ dollars. I continue to ask the dispute supervisors at CITIBANK that since they agree that I followed the contract, why was my money being held captive. They stated something to the fact that they have to wait to hear from XXXX about refunding my money. This is unacceptable and I have been charged interest fees and more.
Consumer complaint received 2017-02-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp (OR)

At the time I applied at Lending Club for a {$20000.00} loan I was desperate, but did not fully understand the fine print, nor did I fully understand my payment would be $ XXXX/mo and they would only give me {$19000.00}. I am experiencing extreme financial difficulty currently and ca n't make the payments now and am afraid of legal action.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (GA)

THERE WAS A PROMOTION FROM BARCLAY BANK FOR CREDIT CARD THAT IF CUSTOMER USE IT WITH 90 DAYS OF OPENING OF ACCOUNT, CUSTOMER WOULD GET {$50.00} AS A BONUS. ANY WAY I APPLY FOR THAT CREDIT CARD & USE IT. I OWE BANK {$69.00}, WHICH I PAID BEFORE DUE DATE XXXX RECEIVED MY CREDIT CARD STATEMENT FROM THIS BANK, WHICH SHOWS A CASH BACK REWARDS - {$50.00}. I CALLED THEIR REWARD SECTION WHICH IS OUT SIDE USA.THEIR TEL .NO IS XXXX. I MUST HAVE AT LEAST XXXX TIMES FOR MY REWARD BUT THEY DO NOT HAVE ANY INFORMATION ABOUT THIS ISSUE. ALSO ONE HAS TO HOLD FOR LONG TIME FOR EACH CALL.THIS IS LIKE FRAUD THAT THIS BANK DOES NOT GIVE CASH BACK REWARD TO CUSTOMER. THIS BANK HAS NO RESPECT FOR THEIR CUSTOMER. I WORRY SOME THAT I WOULD GET MY CASH BACK REWARD. I AM VERY UP SET WITH THIS BANK.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

I called the Navient Private Loan line on XXXX XXXX, XXXX at XXXX in regards to my repayment options. I graduated from XXXX school in XXXX and my Navient payments began in XXXX. The Navient loans that I had taken out for my XXXX institution back in XXXX and XXXX. Upon my calling, I had requested to know what my repayment options were since I would soon be starting a job, just not in time to make the first loan payment in XXXX. The woman stated that my only option would be to put them in forebearance which would cost {$100.00}. I tried to explain that I could n't afford to do that this month since I had not began work, hence why I had called. I asked if there were any other options. She stated there were none. I had hoped to establish a income based option just for the month of XXXX but was not granted that option or any others. The woman also expressed that I should just call back to post date the forbearance repayment if I could not make it at that time. I explained that I would be starting a new job and depending on the date of my first paycheck I could potentially make the first payment. She again stated I had no other options except the forbearance. Should I have elected to pay for the forebearance and end up being paid my first paycheck in time, it would have been a waste of {$100.00}. I tried to explain this to the woman, but she again said my only option was the forbearance and if I did n't pay my payment within the 15 day window it would immediately be sent to collections to ruin my credit. I had also tried to understand the forbearance payment and whether or not it would include the interest payment that I had been paying monthly since I took out the loan. At first she stated I would have to pay it in addition to the forbearance charge. Later when I asked again she denied saying that, which led to even more confusion. I ended up having to end the call because she was being rude and unhelpful. So now I am stuck hoping I can make this payment in time with no other options.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AL)

MY COMPLAINT IS WITH NAVIENT. NAVIENT FORCED ME INTO FORBERANCE AN CONTINUED TO REPORT NEGATIVE REMARKS ON MY CREDIT REPORT CAUSING MY SCORE TO DROP.NAVIENT ALSO ADDED UNIDENTIFIED FEES TO MY FEDERAL LOANS THAT MADE IT EVEN HARDER TO PAY.. I WANT STUDENT LOANS REMOVED IMMEDIATLY OR CORRECTED
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. (AL)

after completing paperwork for income based repayment I was approved for {$0.00} a month but according to Navient that does n't not count toward my 10 years. How can I be approved for income based payment and it not count for the 120 months.
Consumer complaint received 2017-03-08
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Nicholas Financial Inc. (TN)

I purchase a car for XXXX dollars with XXXX dollars down payment the remaining balance XXXX dollars in XX/XX/2015 the car is a used XXXX.I bought the car from a local used car dealer shop. he sold the account to Nicholas Financial.INC XXXX XXXX FL.XXXX now they say my pay off balance is XXXX dollar and more please help me.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

My son stopped paying his student loan because of a divorce. By the time I found out he was behind he was almost in default. I am the co-signer of his student loan that was XXXX and is now Navient. I have taken over the payments because he just can not afford to pay them. I have spoke to Navient on several occasions to try and work out more affordable payments but they say I need my son 's information that I can not get. 
the loan is presently {$1700.00} past due. with a 10 % interest rate. I have made several attempts to bring this current but they have not been willing to help me get an affordable monthly rate. they will not decrease the interest rate, put the past due amount attached to the rear of the loan. I have been paying the monthly payment of {$250.00} -- the actual monthly payment is {$240.00}, trying to get the past due amount down since I can not pay the full past due amount. I pay {$250.00} /month and only {$37.00} is going towards the loan the rest is interest upon interest. Now I see the interest rate was changed from 10 % to 10.25 % - so instead of paying {$200.00} in interest it is {$210.00} .... how can I ever catch up or make a dent in the payment. 
original loan amount was {$17000.00} -- - now the repayment balance is {$26000.00}. PLEASE need HELP as soon as possible.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

I have student loans with Navient and have been trying to arrange a payment plan with them for over a year. Every time that I speak with an agent, they tell me my only option is to pay {$100.00} and put my loan in forbearance for XXXX months, at which time I would do the same thing and the cycle would repeat itself. I know that I have been accumulating great amounts of interest by doing this and I spoke with an agent today because my loans have been XXXX days delinquent. I understand that is my fault and what the consequences are regarding my credit score etc, but I have asked a number of times to try and set up an income based plan. Today, the agent told me to do that, my co-signer ( mother ) would have to submit her income for them to review and make a decision, not my income. I asked why they would want my cosigner 's income, and not mine - the person who should be responsible for the payments. She told me that is how things are and that I have to pay the amount now or have her submit her income, which I know will not lower payments as she makes more than me ( which I am sure is the case for many student borrowers ). I asked several times for them to work with me and said that I have every intention of paying them and want to make payments. She still gave me no options. I am extremely stressed out over dealing with this and can not believe that there is no option for me to set up a payment plan. I have never had this sort of problem with any other company and I do not understand why MY payments would be based off of what my cosigner makes. I spend hours every day stressing out about this and am constantly getting calls from them, at least XXXX times a day. Their voicemails always say that they are willing to work on coming up with an affordable plan, but every time that I speak with an agent they tell me I have no options on working out a repayment plan. I know that my credit score is being destroyed by this company and every attempt I make to arrange something gets me no where. This time, the agent even hung up on me after she ordered me to tell my mom that she has to make the payments for me and that they have to be paid now. I just want to be able to arrange a repayment plan with them that is more affordable for me as I have an entry level job and am responsible for living expenses, groceries, utilities, car payments, and other college loan payments among other common bills for young adults living on their own. I do n't know what else to do, because every time that I speak with an agent I get no help.