davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I have several private loans with XXXX XXXX now Navient. I called to lower my payments, my credit history and purchases were looked up without my permission unbeknownst to me. She then puts me on a brief hold, then she comes back reporting, '' Well you brought a car knowing you had to pay us '' and hung up. 
I did not give her permission to do this, she needed my permission to access my credit information.
Consumer complaint received 2017-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I was set up auto pay and they never contacted me to tell me i have to call to continue auto pay annually then i get call saying im 2 months behind and bow i need to triple pay to get update and im 2 months behind because its a new month but its not even XXXX of month which would make it 2 months past due! Then boss yelling in background telling the lady XXXX no she needs to pay past due first before anything and she is telling me im sorry im lk is he yelling at me to you! Everysince they changed to navient iv had nothing but terrible experiences. Nor will they let me access my loans online so i can see what my balance is
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

Two or three weeks before XXXX, the Synchrony Bank fraud department suspended my credit card, issued through Walmart, because they detected fraud. After repeated phone calls and emails, I still do n't know why. The activity on the account for that month was fairly standard for amounts spent and items purchased. I was never given any warning, and, at some point, was completely shut out of my account. After the fourth phone call, after being mailed a security code, I was allowed onto my account, which satisfied THEM. I am still boiling and have not used the account since.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (PA)

I signed up for a promotional sales with Synchrony Financial through home design store with a credit limit of {$3000.00}. I went ahead and bought some furniture in the store in the amount of XXXX, I was asked if am going to do the two years promotional purchases they have i said yes, so they charged me additional {$300.00} which brought my total expense to XXXX with no interest if paid within two years. All of a sudden am being charged interest fee and additional late fee whereas I was informed neither of this will take place if the debt is paid within two years and if not I will be charged accrued interest from the time of purchase.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (MO)

HH Gregg advertises available financing on their website in XXXX easy steps. This would lead the average consumer to believe after being approved, they could immediately purchase items online. However, HH Gregg has advised their financing company, Synchrony Bank, not to disclose the account number to the applicant prior to the applicant receiving their card. Synchrony Bank will only provide the account information to HH Gregg staff. This prevents a new applicant from immediately utilizing their credit & obtaining all available discounts online. Furthermore, Synchrony will not release account number to customer even after purchase is made if requested prior to 14 days after application approval. This practice is deceptive and unethical. HH Gregg & Synchrony Bank are colluding to extend credit to consumers, and then withhold information pertaining to that credit once approved for an extended period ... in an elaborate scheme that essentially boils down to petty price-fixing. When contacting Synchrony Bank to obtain account number for online account setup AFTER making an in-store purchase with HH Gregg but prior to receiving the first statement/bill, they advise they can not disclose the account number. When asked why, they explain " it is the policy '' repeatedly. When pressed why that is the policy, their only explanation is " because that is what HH Gregg has requested ''. To offer credit online and not disclose that the line can not be immediately utilized online prior to the application - that is fraud & deception. To extend credit to a borrower and then refuse to disclose the account number to the borrower for 14 days ... may not be illegal ... but it certainly is n't an ethical business practice. If the excuse is security, that excuse is quickly eliminated since in-store purchases can be made immediately upon approval utilizing the same information you would provide over the phone to obtain the account number.
Consumer complaint received 2015-05-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MD)

I have a SYNCB/WALMART DUAL CARD. Unbeknownst to me, my credit line was erroneously lowered back in XX/XX/2014 from {$8000.00} to {$1500.00} without any notification. This has had a negative affect on my credit and FICO score, despite both being high. Still they were adversely affected. I am requesting for the original credit line to be reinstated.
Consumer complaint received 2015-03-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (PA)

I signed up for a debt relief program through XXXX. They are representing me to help me settle my debt for certain creditors. All my creditors except for one has abided by the process and dealt with XXXX except for one. Their name is synchrony bank. Per XXXX i have given synchrony bank XXXX number and their address and excercised my right not to talk to them. Somehow they got my parents phone number which i never gave them and have called them 5 to 6 times a day harassing them and they have been told numerous times by parents not to call them. Synchrony bank has my XXXX number and obviously is refusing to take the time to call them but feel their time is more valuable harassing my parents.
Consumer complaint received 2016-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

Yet once more CHASE BANK is XXXX me after I have done what they asked of me and that is sending in over {$1300.00} month for three months on another trial modification they told me I qualified for. NO I could never qualify for a mod under the " Making Home Affordable Plan ''. They knew I could n't qualify and expected me to commit perjury by signing a document that states I own not more than XXXX properties. Now they say I do not qualify after they have been given all of my documents. They are nothing but crooks. Please help me. Now they say I have to yet again apply for another modification, an in house CHASE modification. It has been 7 1/2 years of pure XXXX. PLEASE wo n't you help me? They do not abide by the law.
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Optimum Outcomes, Inc. (GA)

The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or XXXX before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (NC)

Frost Arnett is continuing attempt to collect an amount of money, for XXXX XX/XX/XXXX, that is not due American Anesthesiology, XXXX XXXX, as documented by attached XXXX explanation of benefits. I have proven the amount of {$720.00} is a false representation of the amount owed. By contractual obligation, the physician represented by the collection request is only allowed to collect what is contractually agreed with XXXX. Therefore, XXXX states the amount for date of service XX/XX/XXXX is {$230.00}. Please see all attached pages for documentation. Furthermore, an overpayment of {$72.00} was made to the billing service they represent, for which I am now crediting against the valid balance of {$230.00}. This leaves a remainder of {$160.00}. 
I have attached all documentation to FULLY support my statements. All documentation has been provided to all parties to this matter. 
-- -- XX/XX/XXXX To All Parties Concerned : Frost-Arnett Company - hired debt collector XXXX, XXXX XXXX, On Behalf Of XXXX ; XXXX, Office Manager Please be advised all parties above will be receiving a full copy of all documents pertaining to the disputed collection request for {$720.00}, when the contractual obligation according to XXXX is {$230.00}. As it has been conveyed to myself, verbally, by Frost-Arnett that they refuse to accept or negotiate any payment other than the incorrect amount that is in violation of XXXX physician contractual agreement, I have no alternative but to escalate my reaching out to regulatory agencies for help in this matter. Prior to this letter, I attempted to work with the Consumer Financial Protection Bureau ( CFPB ) with no success. Frost-Arnett submitted a false and misleading response in order to have the complaint file closed. I will be using that false information to open a new claim against Frost-Arnett for attempting to collect an incorrect amount and submitting false information pertaining to date of service I referenced for my complaint. 
-- - I have sent a 3rd notice to Frost-Arnett and filed this compliant for the following reasons : - attempting to collect an amount not due - making false claim that I referenced the wrong XXXX in my documentation in the previous complaint with CFPB - making false allegation on recent collection notice that attempts to contact me have been unsuccessful - ignoring my efforts to have the collection amount corrected so this matter can be resolved. 
- Frost-Arnett submitting false information on the previous complaint to CFPB which resulted in complaint being closed without resolution and continued collection attempts.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

Navient/Dept of Ed/XXXX and others have all lost all my student loan documents as original instrument of debt in it 's original form, and have repeated told me this in writing many times. They also can not verify any of the interest they have been charging me on these loans from XXXX ( both XXXX and XXXX ) is even accurate, with the exception of one XXXX loan which was for {$4000.00}. The interest is now over {$280000.00} on these loans and I can not get any information about them, since the loans are now too old and they have lost all the original information. In addition, many of my XXXX Loans which are included in this consolidation have been in a lawsuit for fradulant activities. I have since received a settlement from the Massachusetts Attorney General 's office for fraudulent activities on my XXXX loans, but Navient/Dept of Ed or XXXX do not care that there were any fraudulent activities, nor do they care that they have lost all this original documentation, and refuse to give me any exact accounting of the interest they have since applied to this loans. They refuse to even consider that there is any error here. XXXX
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I can not afford to make payments due to a series of health issues, they posttponed payments however the interest charged is beyond belief. I have been paying off A {$6000.00} loan since 2009 my school really rooked me into signing.
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I have had a student loan serviced by Navient since XX/XX/2000 's. I have tried to make over payments each month to reduce my principal but have had problems even getting Navient to respond to my request in any way. I have included separate letters stating exactly how I wanted my overpayment directed and over the years they have never applied my payments properly as requested. I have written many times and have never even received one single reply as to why my payments were not applied. I want them to go back and apply each payment as I requested and that met their own criteria and all the interest for the amount of amortization that should have occured due to the over payment and adjustments returned to me or applied directly to the principal amount of my loan. I would also like statements including the original loan amounts over the life of my loan mailed to me so I can have my accountants examine these statements. 
XXXX & XXXX XXXX account number XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX ss # XXXX address XXXX XXXX XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NV)

My loan was taken off deferment on XXXX/XXXX/17 and a payment was taken from my bank account automatically ( which I signed up for years ago ) on XXXX/XXXX/17 without any notification to me. I had payments scheduled, since I graduated, for XXXX/XXXX/17 and those payments were not taken into account when automatically taking the money from me without my consent. I was never notified that payments would begin again because they claim there was no time. In what world is it OK to just begin taking payments from someone without a phone call or email or letter?
Consumer complaint received 2015-05-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (TX)

They say they are called " pioneer credit recovery ''. They are calling from XXXX. 
They have been calling me at work even after I informed them not to call my work line. 
They continue to call during business hours as well as calling and leaving messages after business hours. 
If I am not at my desk then my employees will take the call and I worry about the caller tarnishing my reputation with my employees.
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. (AZ)

Was not offered by my loan provider ( Navient ) income-driven repayment plans and instead of that kept me to choose a forbearance instead which has hurt not only my status of my student loans but the whole idea of student loans and the process in which i barrow.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

I lost my job, again, and need to suspend payments for 6-12 months while I search for another job. I used up my deferment/forbearance options after I graduated and when I was laid off the first time. I understand they have terms for how long you can suspend a payment. However, I did n't expect to be laid off twice within 10 years. Navient refuses to help me in any way that would allow me to suspend making payments. 
I have never missed a payment and overpay each month. I have no intention to not pay the loan ; once I get a job I 'll be right back to paying. 

I find it so strange the company sticks by this policy of a fixed number of times you can suspend payments. If I do n't have any income, I do n't have any options here. I see it as very simple to review my payment history quickly, see 8 years of steady, monthly payments over the minimum, and just suspend payments for 6 months until I get a job. They win in that they do n't have a client defaulting, they earn more interest on the loan, and then they get their client right back to paying once they are employed again. 

As an aside, their customer service staff was the rudest I have ever encountered. I spoke with a man and then his manager and they were condescending, rude, arrogant, and overall unpleasant. It was pretty surprising to see a corporation today let their staff behave this way with clients. Since the manager was worse than the employee, it 's clear they encourage a this type of culture in their office.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

When I graduated college XX/XX/2014 I was under the belief that my loans would n't be due for 6 months after graduation. I remember getting a {$0.00} Due letter monthly from Navient for about a year. I believe this was intent to raise my total due without me realizing what was going on. I would check on that loan monthly, and then one month they billed me and said I had missed two payments. Totaling roughly {$800.00} with no warning on my account or through the mail. I am doing everything in my power to get these loans paid off but I feel them dragging me further down. After reading other complaints I know I 'm not alone.
Consumer complaint received 2016-05-12
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA (CA)

My wife and I applied to open a joint online savings account at GS Bank on XXXX XXXX. After 3 days of not hearing from them, I called them to check status of the account opening. Representative indicated they were declining to open an account because they could not verify my wife 's identity. GS Bank did not explain why they were unable to verify the identity of my wife of over 10 years, despite us both having many other joint accounts and credit cards with other banks over the years. Representative said a letter would be forthcoming from GS Bank explaining reason for declination, however, no such letter has arrived. Having supplied GS Bank with all of our personal information in order to apply, I find it unconscionable that they can refuse to open the account, not explain why, and yet continue to keep all of our information on file. Representative indicated they would keep the information on file as a declined application.
Consumer complaint received 2017-03-26
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

XX/XX/2017 I began receiving letters from Afini collections about a debit they claim I owe to XXXX for an auto accident that they allege occurred on XX/XX/2017 On behalf of XXXX. They first claim that I owe {$1000.00} but have since reduced that amount to {$520.00}. 
My complaint is that I was never involved in an accident, and have never been contacted by XXXX about being involved in a traffic accident and Afini has not provided any other information other than a demand for payment. 
I was not involved in a traffic accident
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

Violation of personal financial privacy. 

I have been banking with Bank of the West for several years. I used an ATM card to view my account, pay my mortgage and transfer money from one account to another. Recently, Bank of the West replaced all the ATM cards of their customers with debit cards affiliated with Mastercard. I verbally complained to the XXXX Branch that I do not want that service as it made my checking and savings account vulnerable to fraud. I was told that it is now company policy to issue only debit cards as Bank of the West signed an agreement with Mastercard. 

Bank of the West has provided my personal financial information to an outside company. Bank of the West did not provide an opt out of replacing my ATM card with a debit card. 

I filed a complaint the the California Office of the Attorney General
Consumer complaint received 2015-07-16
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (IL)

Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for XXXX years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Several years ago I had fraudulent charges on my citi card # XXXX and Called to cancel my card and dispute the charges, however CITI failed to remove unauthorized charges or help me to resolve this fraud issue and left me in full responsibility for the purchases I did NOT make or authorize. In order to save my credit from being damaged even further I agreed to installment payment via auto pay to CITI which I have been paying for serveral years now ( see attached proof ) however citi STILL reports this account as a charge off on my credit report EVERY MONTH which causes further damage to my credit on the monthly basis even though I 'm paying on this card every month as agreed ... 
Please help me take this off my report! my numerous attempts to deal with citi went ignored and I always end up being transfered to one person to another and they eventually hang up on me..
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

Good evening, As a single mother with a household of XXXX ( myself and XXXX kids ) and a household income of about XXXX I have always found a way to hold up my end of the bargain with any financial agreements. Since setting up payment arrangements with the servicer of my student loan I have consistently made on time payments as per my agreement, unfortunately I was recently apart of a company wide lay off causing me to fall behind on my payments. It 's no surprise the servicer still expects payments! On top of this, per reading my recent annual credit report I realized the servicer has XXXX derogatory marks on all XXXX of my credit reports with each credit bureau. This hardship is emotionally draining as well as stressful, this has stained my credit causing lenders to deny me due to an error on their part reporting incorrectly. I desperately need a remedy.
Consumer complaint received 2015-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

A physician has billed us for services we did not authorize and after non payment they have sent this to collections -- when we request verification by collection agency we are sent the bill. We have informed the credit agency that the bill is unpaid because we did not authorize the service. They then referred us to the physician whom we also requested verification of our authorization and none is provided.