davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc. (FL)

XXXX and it 's designated debt collection company, " West Asset Management '' ( also known now as Global Receivables Solutions ), engage in some dishonest billing and collection tactics. I was actually quite surprised to find out this same exact situation has happened to other people. After terminating my relationship with XXXX XX/XX/2014 ( important to note that I was no longer on a contract but paying month to month ) ; I paid XXXX for the remainder of that month in addition to the next month 's service. Unknown to me, XXXX decided to charge me for yet ANOTHER month of billing. So cancelling in XXXX 2014 and paying both XX/XX/XXXX and XX/XX/XXXX phone bills ; XXXX still decides to charge me with a XX/XX/XXXX bill! But because I no longer had autopay setup for the account, XXXX forwards the account to its collections company for hire - " WEST ASSET MANAGEMENT. '' When I finally received documentation for the extra month I " owed '' XXXX and contacted West Asset Management, they told me it could be resolved if I paid the amount in full and it would not affect my credit. I agreed even though I did not feel I owed the debt. 
Checking my credit and seeing it get decreased with all three bureaus because of a derragatory mark, I again contacted West Asset Management. They informed me that I had paid too late and that there was now nothing they could do to remove the debt. West Asset Management was dishonest with me about the terms of resolving this debt. 
To summarize, XXXX is very unscrupulous in trying to collect extra money from people who disengage their services. This was extremely disappointing that the manipulated end date of services in order to collect an extra month ; I had been a good customer on contract for well over two years who always paid on time and in full. In addition, West Asset management uses dishonest techniques ( as well as possibly illegal ) such as lying about settlement terms and threatening with lawsuits for collections. 
After the time and money sunk into fighting this issue with these XXXX companies, I would like these negative marks removed from my XXXX, XXXX, and XXXX Scores. I would also like other people reading these online to really reconsider doing business with a company like XXXX at all.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

I recently applied for a mortgage and have found that on my Equifax report there is a paid off  XXXX  's account reporting as a charge off and showing li ke 26 late pa yments. This was paid off in  XXXX  of    2013 o r so and is showing I owe {$160.00}. I have tried multiple times to contact their retention and renewal department only to get an anwsering machine and never a call back. I just want it to either come off my report or show the status and payments etc correctly.
Consumer complaint received 2017-01-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AES/PHEAA (IL)

I sent a letter to AES letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and AES refuses to delete the fraudulent accounts from my credit report stating in a letter its verified AES provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: HW Holding, Inc (MD)

I was contacted by the XXXX XXXX XXXX who evicted me because I reported and filed police reports because of safety issues. There was a man stalking my apartment and my XXXX young boys and after repeated notifications to the apartment complex they did nothing to help me. They even stated their cameras were not in working order so they could not catch the suspect on camera. I attempted to move to a higher level because I was on the ground level but was told I would have to pay a new security deposit and month 's rent before the transfer could take place. The apt complex knew I did not have the extra money to move because I was a single mother and recently lost my job. Despite everything that I was going through, I made attempts to pay what I could my last month of residing there ( approximately XXXX 2015 timeframe ) and my money was accepted, but I was still evicted. I then received a bill for over {$1700.00} stating that I needed to pay for the remainder of the month in which I was evicted as well as the upcoming month because I had voluntarily left the property. This is absurd. When I contacted the debt collector, they had stated that they had no recollection of eviction and their client, the apt complex had informed them that I voluntarily moved out and that I owed rent as well as replacement of carpet fees worth over {$1000.00}. They kept my security deposit and sent me a bill which was surprisingly already on my credit report being reported as a collection. This has ruined my credit and I want justice. They did threaten to take legal action and hired this attorney 's office which is the one reporting this false debt.
Consumer complaint received 2017-02-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (AZ)

We forclosed on our home 6 years ago. Have made our payments on time, never missed a payment. Now 6 years later citimortgage send us a letter stating they need hazard insurance. Made multiple phone call to try and tell them we do not want to pay for insurance on a house we do n't live in. Every time we call we are told they will investigate. Well as of today Citibank purchased insurance that they are now adding to my account. By the way they said my previous insurance expired XX/XX/2016 which is not possible. Would love anyone at Citibank to look into this I mean look cause obviously the investigative work did nothing. # XXXX
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. (GA)

I 've been paying on my loan since I came out of forbearance, interest payment, etc. for several years. I make monthly payments but the amount of the loan never decreases, not even a XXXX. I have asked for loan forgiveness programs and others to decrease payment and has been informed that I do not gualify for anything. What really puzzles me is that the loan does not decrease no matter what I pay. 
My employment and service for 40 + years have been helping XXXX. At one time, I was told if I worked in this capacity I would qualify for some type of loan forgiveness but, I have yet to see this happen. Please help me get some relief. I pay and my loan continue to grow interest and increases.
Consumer complaint received 2016-07-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

Hello, my name is XXXX XXXX, I 'm writing this complaint against XXXX and Navient and XXXX. the schooled that I attended closed down during attendance. I did not benefit form the school and what I mean by that is there was no degree or certifications. there were no transferable hours to take to another school those option were not available. so now here I 'am fighting this and have been for Years. I have been bullied into paying what I have already payed. and now they want me to pay some more. the loan was for XXXX and something. the promissory note says the school only accepted XXXX. I 've been threaten with garnishment twice and paid something to stop it and over the years my income tax was used to off-set this debt. I recently applied for a school loan discharge and Navient has told me I did n't qualify because the 120 days rule that 's on the student website. but there is other clauses in there that qualifies me. and they want me to pay double. they have the loan in my married name which is XXXX which I did not change. and promissory note is in XXXX. which I feel is fraudulent and they have it on my credit report. and XXXX do n't know of them until the other day when I checked my credit report and there they were reporting this loan as if I opened it this year my credit score has drop because of all this reporting.
Consumer complaint received 2015-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I contacted my Navient about their temporary interest reduction plan. The representative took my information and told me I was approved for a rate reduction from 11 % and 13 % to 5 % and would need to make XXXX lower qualifying payments before being enrolled in the program for 12 additional months at the lower payment amount. After I made the XXXX qualifying payment, I received a notice saying I had an outstanding balance for the difference between my old payment and the reduced payment amount, which was all interest. At that time, I contacted the same representative and she told me not to worry, that once the XXXX qualifying payments were made my account would be placed in forbearance during the qualifying payment period and that late fees would be taken out and the outstanding interest would not be capitalized because the lower interest rate would be applied retroactively through the qualifying period. I contacted Navient again after the XXXX qualifying payments were made to inquire about the late fees and outstanding amount showing up on my account and I was then told that I had actually not been approved for the reduced interest program. I asked why I had not been contacted and was told that they did n't know and that I should have been told I was not approved the program. After some back and forth and requesting to speak to the previous representative and to a supervisor, I was told I would be approved for the program as a courtesy and that the late fees would be take out because I had not been previously informed that I was not approved for the program. But now I would have to make XXXX new qualifying payments and the outstanding interest would still be capitalized for the previous XXXX qualifying payments and for the new XXXX qualifying payments. As such I will now be responsible for the difference between my old interest and reduced interest for 6 months or the amount will be capitalized. Had I known this I would have made the higher payments during the 3 months I was told I was making qualifying payments.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SC)

Im not sure where to even start. I went to XXXX and was constantly pulled out for non payment of the XXXX loan. But the main reason Im messaging today is Navient. They would never lower my monthly payment no matter how many times I showed that I could n't make that payment. So instead they would always offer forbearance. I was young and XXXX and by myself so I took the only option I could. That has seriously effected the last 7 years of my life.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT CONCEPTS, INC. (WA)

Credit Concepts a third party CONSUMER lender gave an approval to finance XXXX to cover the remaining amount of a vehicle we could n't pay in cash. We fiilled out a consumer application for a vehicle loan. AutoTrack the dealer let us know they Credit Concepts declined to lend XXXX more then XXXX as credit concepts said the amount we were asking for was out side " their '' first time buyer max of XXXX. We could only pay a max of XXXX cash so the dealer on his own account sent them a fraudulent claim of a possible security interest in a trade in vehicle we have never owned this made the deal look sweet enough to prompt Credit Concepts to up the amount they would loan to us by an extra XXXX for a total amount of XXXX. It states in all the financial documents that our XXXX was due at the same time funding was released for the XXXX evidencing this was not a sale at " retail '' or an extension of credit from the dealer. This was not a RSIC up for purchase nor assignment this was direct lending from credit concepts to provide my husband with the remaining amount of the vehicles selling price we could not cover with cash to buy the XXXX at no point did the dealer ever intend on being the XXXX " financing '' the deal! Credit concepts has a Consumer lending license under the state of Washington and the ability to purchase " contracts '' however, there is XXXX material element that would be required to " purchase a contract '' and that would be A PRE-EXISTING CONTRACT TO A ALREADY COMPLETED TRANSACTION. I can have my attorney provide copies of the contract if need be i will be attaching the financial paperwork. There is a consumer application for some reason when they sent us a copy they cut off the bottom part where is was signed anyways the bank named is XXXX XXXX bank now referred to as XXXX Bank and its creditor associates namely being Credit Concepts in our case. I provided a copy of the VPO that the dealer sent over as a deal sweetener with a security interest trade in of a jeep compass. I also included the denial and then approval letter from the lender Credit Concepts.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (FL)

Upon vacating our former apartment complex, we were sent via certified mail a list of charges due. We found that the charges related to the utilities are fair and accurate, but we are disputing the charge for carpet replacement. After contacting property management we were instructed to dispute the charges in writing explaining our position on the matter. 
The dispute letter was delivered to property management in person. While waiting for a response from property management, we were contacted by Hunter Warfield via telephone for the purpose of collecting the debt in its entirety. We explained that we were in the process of contesting certain components of the debt with property management and were not really certain as to why a debt collection agency would be reaching out to us. We do not feel as though we are responsible for replacing the carpet as it was left in the same condition in which we received it. We have pictures and a move-in inspection that notes that there were stains on the carpet at the time we took occupancy of the apartment. The carpet was not new when we moved in. This was the point made in our original letter to property management. We were merely informed that a notation on the account would be made. We contacted property management who said it was now out of their hands which we found shocking being that we were waiting on a response from them. They then informed us that they responded to our letter via certified mail, but acknowledged that they had not received notice from the post office that their response had been received. We never received a response from property management by either letter or phone call. Since then, Hunter Warfield has repeatedly phoned for the purpose of collecting the entire debt without formally identifying themselves, sending anything in writing for the purpose of debt validation, or explaining the process of disputing the debt. During every phone call, we 've simply repeated the entire story to each Hunter Warfield associate that has called. During our last exchange with Hunter Warfield, we found the associate to be very rude and condescending as she threatened actions that would have adverse effects on our credit reports. It was then we began to feel harassed and quite stressed about the situation. I have repeatedly called XXXX XXXX at XXXX to open a better line of communication. I was sent to her voicemail only after being hung up on XXXX.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (GA)

On XXXX XXXX, 2015 I drafted a letter requesting debt validation in writing of XXXX accounts ( Account Numbers : XXXX and XXXX ) Hunter Warfield claims I owe within 30 days via mail. I discovered these accounts were being reported on Equifax, TransUnion, and Experian. This letter was sent certified mail and signed for on XXXX XXXX, 2015 by XXXX XXXX. I have not received any information from this company regarding these accounts. My complaint is one of noncompliance on this company 's part. Also, these accounts are being reported to all three credit bureaus without providing validity of this debt to me. This is harmful to my credit scores. Not to mention, horrible business practices on this company 's part.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (FL)

Someone fraudulently accessed my identity and opened XXXX credit cards using my name but an address I have never been to or resided. I subsequently contacted the credit card companies and closed the accounts. I also put a 90 day fraud alert on my information. 
I have tried every channel that I can find, both via phone and finding an email address to remove improper addresses and inquiries resulting in fraud using my identity. 
Can you provide me with the phone numbers or email addresses that I can communicate with the XXXX credit bureaus to inform them of this and have them remove this data that should not appear on my credit reports. 
XXXX XXXX
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

I opened an account at XXXX XXXX XXXX as a supplementary account to my main bank account. I funded it the account with just a XXXX dollars. I also attached XXXX to my XXXX account. 

I made a purchase on XXXX that was supposed to be charged to my credit card, but XXXX wrongly charged my bank account instead, causing an overdraft. Even though XXXX swiftly corrected the error and refunded the money, XXXX charged me an overdraft fee. I tried to explain to them that this was the result of a billing error but they would n't hear it. 

Ultimately, XXXX kept the overdraft fees and opened a collection account based solely on the fees.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I found fraud on the credit card myself and my daughter share. Yesterday I spent over a hour on the phon with 2 reps and 1 manager 2 times I was disconnected and customer twos sai they needed authorization from manager. Manager was rude and did nothing for me and she hung up on me not wanting to deal with problem. All I wanted was these charges off to file a claim and get new cards. No one cared. Is this how they conduct themselves. I do n't know what to do. HELP! XXXX and XXXX. Account ending in XXXX.
Consumer complaint received 2016-01-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (SC)

I decided to refinance my mortgage that I had with Citi. I went through XXXX who communicated with Citi on my behalf. Citi told me that in order for me to do the refinance I had to make partial payments. Before this refinance process I had never been late mind you. I specifically asked the agent would these partial payments be held against me and would they count against my credit? The agent told me no. It was a lie. The partial payments that I made were reported to the credit bureau. This resulted in several late payments that have had a significant negative impact to my credit. I have called Citi and no one will listen to me ; just tell me that I was late. I listened to the instructions of my case manager and beleived and trusted him. I was lied to by my Citi account manager and it simply is n't ethical or fair. I want my calls that were recorded to be reviewed so they will believe me ; show that I was lied to by my account manager. I deserve my late payments during that time removed off my credit report. The whole process with Citi and XXXX took about a year. It was a terrible long drawn out process but eventually it was completed. I really need the late payments removed.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CO)

During XXXX I drove from XXXX to XXXX and used my Citi Bank card to buy gas on the road. My card was flagged for possible fraud and put on hold. I called and confirmed that there were no fraudulent charges. I was then asked to confirm my identity and faxed in a copy of my drivers license a copy of a bill under my name a copy of my marriage license and both my current social security card and the card under my maiden name. I was then told that that was not good enough information to confirm my identity and so I then sent a color copy of the front and back of my drivers license and signed the paper with my matching signature to the one on my license. In that fax I also included a copy of a current bill to again show proof of address. Once again I called in and was told that there was no supervisor working and no one can help me with my problem. When I told the woman on the phone during my last call that I would not hang up until I spoke with someone who could help she told me she had to disconnect the call and hung up on me. I have been dealing with this for over a month and can still not close my account. I need help and do n't know what to do.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NV)

When I received my XXXX 2016 Citi Diamond credit card statement, the minimum payment due was {$25.00}. Instead, I paid the {$340.00} balance IN FULL, via money order. The payment was n't posted by the XXXX/XXXX/16 due date, so I authorized a {$25.00} transfer from my savings in order to not be 'late '. XX/XX/XXXX came and went, still without that {$340.00} payment posting. Once again, I made another {$25.00} payment in order to not be 'late ' with the XX/XX/XXXX minimum. In the interim, I contacted the money order company and spent another {$15.00} to get a copy of the original money order sent to Citi Diamond, hoping to see if it had been lost or stolen. When I got the copy back, it is clearly stamped, " DEPOSITED TO CITIBANK '' on XXXX/XXXX/16. I contacted Citi and they have been no help. They are telling me their invesigation will take at least 30 days, and in the meantime, I will have to make another {$25.00} payment by XXXX/XXXX/16, so I 'm not 'late '. Now I 've paid an extra {$75.00} that is not even owed, all because they miscredited MY {$340.00} payment IN FULL back in XXXX 2016.