davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (MI)

I leased a 2013 XXXX truck and financed the lease through US Bank. The vehicle was turned in in excellent condition but upon turning in the vehicle, I was charged {$590.00} for alleged wear and tear on the truck bed. I took photos of my truck bed before turning it in. The bed was in very good condition. It had been protected by a Bedrgug truck bed liner. There were small dings that did not exceed the US Bank excessive wear and tear table. In addition to this, they charge a {$390.00} lease termination fee which I am paying, however, this appears to be a bait and switch tactic. They lure the consumer in with low lease prices then charge unreasonable lease termination fees attempting to influence the consumer to buy the vehicle at the end of the contract. Even though I did lease a new vehicle at the end of the lease with US Bank, they still charged me the lease termination fee. I am attaching photos of the truck bed to show that there is not damage in the amount of {$590.00}. To avoid these unreasonable excess wear charges, one would have to park the vehicle and never use it. This alleged damage is in the bottom of a pickup truck bed, but as the photos show, the bed is in very good condition and in no way would impact the value of the truck.
Consumer complaint received 2015-12-09
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP (CA)

On XXXX I purchased a US Bank issued XXXX gift card of {$500.00}. It failed to activate. I was instructed by the representative that I would have to fax in a copy of my receipt. XXXX An aside, fax is 15 years outdated. I do not own a fax machine, nor do I have access to XXXX. I had to settle on using an online service, which is less secure than me emailing it over my https XXXX account. ) I faxed this information in on the same day, XXXX. Today, XXXX I called fully expecting my activation to be complete after 2 business days. The rep told me it could day 10-15 business days! That 's up to 3 weeks! And I have no assurance that my paperwork was even received on their end to be processed, nor do they have a method of contacting me back that it has been activated. 
Their system needs a complete overhaul. It is n't sufficient to meet consumer expectations nor needs.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MI)

: On XXXX XXXX, 2016, US Bank proceeded to take a {$2000.00} ( the credit cards balance ) withdrawal from my husband 's bank account for a payment towards the credit card I had with them. They also took a {$320.00} as well enough as a {$25.00} withdrawal from my personal bank account. Only the {$25.00} payment was authorized. In attempt to figure out what was going on, I logged into my US bank credit card account online. First off, the unauthorized {$2000.00} payment showed up as pending and to come out 3 days Later ( on XXXX XXXX ). I called them several times to get the non authorized payments returned only to be told that they can not see the payments on there end, so they can not help and to call back on the following Monday. They also said I could only cancel payments 2 days prior to the date they were scehduled. Yet, they could n't cancel the {$2000.00} payment because " they do n't see it on their end. '' There were several calls without anyone able to help me, one lady even laughed at us. On the following Tuesday, my husband 's bank was able to decline the payment from going through. So I called US bank one more time to try to get the {$320.00} payment bank and to make sure this did n't happen again. The lady I spoke told me they would send me a check for the amount over I paid on the account, ( because on her end the {$2000.00} was paid still ) I tried to explain to her what happened and that they did n't owe me any money, I just needed the the {$320.00} to not be taken from my bank. She did n't understand, so I gave up. I went on to make sure that no more payments would go through. She assured me all auto payments are cancelled and would not happen again. Well today, they sent the {$2000.00} through my husbands bank account AGAIN. Both of our bank accounts have been tied up do to their error. We have n't had any way to pay for things all week. And now longer because they did it again. I ca n't help but wonder how many more times this is going to happen.
Consumer complaint received 2017-02-03
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

This is a {$100.00} gift card. I removed it from it 's packaging and went to go use it. The transaction was declined due to a {$0.00} balance. 
I called the issuer XXXX times, spending a total of XXXX minutes to no avail. The vendor is U.S. bank # on the back of the card is XXXX. A representative said that they would be faxing and mailing me documents to fill out for the claim process. They did not fax or email me anything. U.S. bank says that resolving the worthless card issue is contingent on receiving back the paperwork that they say that the sent out. This is clearly a scam and my {$100.00} have been stolen.
Consumer complaint received 2015-05-15
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (WA)

MY EX SPOUSE XXXX XXXX XXXX XXXX AND MYSELF OWNED OUR OWN HOME XXXX XXXX XXXX XXXX XXXX OR XXXX AND IN OUR DIVORCE DECREE XXXX XXXX/XXXX/XXXX AND MYSELF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX DID NOT DISCLOSE THE SALES FROM OUR MARITAL HOME THAT WAS SUPPOSED TO BE SPLIT IN HALF AFTER LOANS WERE PAID. THE REFINANCE HOME LOAN XXXX OBTAINED FROM HIS EMPLOYER US BANK WHO FIRED HIS WEALTH MANAGEMENT XXXX PENDING INVESTIGATION. XXXX XXXX RULED ON XXXX XXXX XXXX THAT LOAN HE OBTAINED WHILE I WAS IN XXXX, THAT LOAN WAS XXXX TO PAY OFF INSTEAD HE USED HIS EMPLOYER PAID HIMSELF OFF WITH PROCEEDS OF THE HOUSE SALE MOST LIKELY LAUNDERED TO XXXX, DIDNT PAY THE LOAN THROUGH US BANK, CHARGED THE FORGED LOAN SIGNED ON DIFFERENT DATES BY XXXX THE US BANK EMPLOYEE ON RECORD AND MYSELF XXXX SEPARATE DATES AND MY ATTORNEY XXXX XXXX XXXX DID NOTHING TO HELP NEITHER DID HIS THEY LIED AND WITHHELD EVIDENCE TO THE COURTS AND MY LIFE HAS BEEN PUT IN DANGER
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: U.S. BANCORP (WI)

An employee named XXXX XXXX, who is an employee of US Bank, ran my credit report and issued threats to members of my family using a proprietary bank phone and proprietary account information. My credit report is correct and that is not the problem. US Bank has been notified of this and knows of the issue. ( I have an email in my possession )
Consumer complaint received 2015-10-23
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I received a call from a lady " XXXX '', from a number from our county Clerk of Courts ( allegedly ). I was advised that there was a summons or sealed affidavit. I then inquired to what is was about and was given the number of ( XXXX ) XXXX, and to contact " XXXX XXXX. '' Upon calling, I spoke to a " XXXX XXXX '', working for a company called XXXX XXXX XXXX, and the Law Firm of XXXX XXXX, based in XXXX XXXX, FL and was told by " XXXX '' that they were going to serve me with papers. I immediately became suspicious but asked for the validity of the debt. Although he gave me some information pertaining to the debt, I was still unsure ... I then called the actual company ACE cash, and was advised that although ACE does use their services, they do not condone the threat or go after default debtors in that manner. I asked for a phone number for this company from ACE, and were given ( XXXX ) XXXX. I was told by the representative at ACE to call that number, and ask for XXXX. Upon calling, I immediately got " XXXX '' again. This was suspicious to me, but I then told him I need to check some things out and I would call him back.. I was advised by ACE that they just sold the account to the collection company approximately 30 days ago. I have never received any kind of written notification from any collection agency. Thank you
Consumer complaint received 2016-10-12
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AL)

Back in XXXX, I had a {$300.00} loan with Ace Cash Express where I paid this company back using an debt consolidation company. Yesterday, XXXX XXXX, XXXX I received a notice from a XXXX XXXX XXXX, address XXXX, CA XXXX, stating that they are going to sue me on behalf of Ace Cash Express in the amount of {$840.00} for a payday loan for {$500.00} when I advised him that I never had a loan with Ace for {$500.00} and that the {$300.00} loan was paid back in XXXX and that I am requesting documentation stating that I had a loan for that amount along with the bank account and contract that I had this loan, the man refused stating that he will not give me any documentation that they will be using in court against me that I have the option to pay them or be sued. I advised him that he is violating my rights with the Fair Debt Collection Act, I am entitled to that documentation and that he is violating my rights. He disconnected the line. The phone number is XXXX, I also googled this number and there is several complaints of fraud listed under this phone number where they were scammed out of money.
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. (MD)

I am currently XXXX and Navient has always pushed me into forbearance for paying them back. My current payments will be {$140.00} I cant really afford that. I need to be put in an program that will go off of my pay. The school I was attending when I received the loan is not out of business XXXX XXXX XXXX XXXX it was a total rip off!!! Im not stuck with like XXXX dollars of debt and they did not help me with a job and I was paying payments also to the school thinking it was paying down my debt. The financial aid officer at XXXX was a fraud and she did not explain things to me in a clear and cut matter. I would have never went there if I knew I was going to be in all this debt. I cant even buy a house until I get rid of this debt!!
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (PA)

I have a major complain concerning lack of flexibility which exists in corporate structure, more specifically XXXX. After 22 years of marriage on XXXX XXXX, 2014 I was ejected out of the residence I used to live and asked to never return. The XXXX bill was under my name at that time and I kept a very meticulous payment cycle each month. I kept on making payments for several months, even though I was not the recipient of XXXX services provided to the property I was ejected from. I called XXXX several times to have them to either close the account or just transfer the statement to reflect the estranged husband 's name who was indeed receiving XXXX services. Which ever way I tried to reason with XXXX explaining my precarious situation, they just showed no sympathy and no care. The XXXX representative, like a robot with broken record, kept on telling me they can not close the account because I need to return the equipment, as if I was keeping the equipment as hostage for no reason. I asked them to go to the property and retrieve the XXXX equipment, because after all they had physically delivered the equipment themselves and had installed it too. I could not comprehend why they could not undo what they had done before and get the equipment back, since I could not go back to the property and be charged as a trespasser later. 

Finally in XXXX 2014, I paid the last bill and wrote a letter that it was my last payment and that XXXX had the option to deal with the owner of the property, since the equipment was in his house and he was receiving the services as well. After two years, I found out via my bank that XXXX had reported me to the credit bureaus. I contacted XXXX and they told me that I owed them {$550.00} for the XXXX equipment which apparently is still sitting in that property. I paid XXXX and disclosed a letter explaining that with the payment I had absolve all lingering issues with XXXX. 

Never once the XXXX representative, whom I was receiving information regarding where to send the payment to, mentioned about the account being turned over to a bill collector. Shortly after, I received a collection letter from ERC in XXXX, Florida, that they are willing to settle the debt to XXXX for the amount of {$440.00}. I have written a letter to ERC and to XXXX as well and requested not to be further harassed by them, since this is affecting my health adversely. 

From the onset my intention has not been to bilk corporations and services out of their money. I have paid my dues properly and on time. It is a shame that our corporations have not flexibility in their daily operations, all they see is the dollar sign and have no compassion and to really truly try to provide services to the consumer. This is not providing services this is highway robbery.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (TX)

I opened a Chase Slate card late last year. 
I 've been paying 3-4 times the amount due each month. The last two months I rec 'd notice ( in an email and text ) that my payment was due. When this happened to me this past month I decided to sign on to their app to make sure I had actually paid. I found that I had made the following payments ... XXXX XXXX {$60.00}, XXXX XXXX {$200.00}, XXXX XXXX {$130.00}, XXXX XXXX {$200.00}, XXXX XXXX {$300.00}, XXXX XXXX {$100.00} AND I had XXXX late charges ( XXXX XXXX {$25.00}, XXXX XXXX {$35.00} and XXXX XXXX {$35.00} ). When I called to find out what was going on and to see if I could have these late charges waived, I was told they could waive XXXX and that the late charges were occurring b/c I was paying too EARLY! They claimed I had made my payment before the new cycle had opened. After speaking with a supervisor and getting all XXXX late charges credited back, I made sure that my next payment did not get to them TOO early ( I sent {$200.00} on XXXX XXXX ). I also told them that this was a sneaky way of making money. Responsible people may WANT to pay their bills early and should not be penalized. 
I work for XXXX as a XXXX and know good and well they have the capability to look back to a prior month to check for early payments. This really needs to be looked into as I feel they are taking advantage of honest people who want to pay their bills on time. 

( Someone also needs to check this text box. When I type, only XXXX characters appear on each line. The rest may appear once I submit but they disappear on your web page. )
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

I went to XXXX in XXXX, WA for the Winter Quarter of XXXX and for a few weeks XXXX Winter Quarter. I signed one Promissory Note for this first quarter in XXXX. After a few weeks in XXXX XXXX I was called into the Dean 's office and told my math skills were n't good enough for continuing the college so I did n't go any more and dropped out. I have been charged tuition and fees for quarters and years up until XXXX as if I were still going there. They even have me paying cash payments for fees and books throughout XXXX, XXXX, XXXX and now XXXX!. This would be impossible since I no longer attended after XXXX XXXX I do not know how someone opened up more student loans under my name and social security number unless it was done to defraud the system. I only signed one promissory note for the quarter of XXXX XXXX. Navient and US Department of Education say I owe them up to {$13000.00} now. I even paid on these loans but I asked Navient to not put me in Forbearance because I do not owe anything. Navient still put me in Forbearance and fraudulently show as paying some to my credit bureaus which is a total lie. I am not still paying on these so called federal loans because I do not owe any more. 
Also, XXXX XXXX took over the school in XXXX and they have been worse to deal with and lie even more. I asked them to produce all my Promissory notes that I would have had to sign for each quarter and they ca n't send me any with my signature on them because I did not take any further loans out since that one quarter in XXXX. XXXX XXXX has closed the school now. XXXX XXXX even had me withdrawn in the Fall of XXXX and then had me signed up again in XXXX. Which is a complete lie. Navient tells me XXXX XXXX is still open and I owe all this money and they are reporting on my credit bureaus that I owe {$13000.00}. Please help. They have ruined my credit. I am not in debt with any of my bills. This is such an injustice..I have no one else to help me but your organization.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I submitted a principal reduction payment for {$100.00} dollars on my loan in an effort to reduce my loan balance. They miss allocated the payment and charged me interest even though I am caught up on my regular payments. I made a payment on XX/XX/XXXX and in 6 days I somehow managed to accrue XXXX in interest charges. The odd thing is that from XX/XX/XXXX to XX/XX/XXXX according to the billing and payment allocation from n=Navient I only accrued XXXX cents in interest. It is my understanding from the promissory note that I can make principal reduction payments as long as I am current on my payment schedule which I am. They Explicitly state that you include specific payment instructions which I did.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I have been paying for my student loans since XX/XX/XXXX and still have a balance of {$23000.00} ; they will not be paid off until XX/XX/XXXX and I would like them reduced or eliminated, since I worked or the federal government. I currently make two ( 2 ) payments to Navient via directly from my checking account, in the amounts of {$640.00} and {$74.00}, for Stafford Subsidized ; Stafford Unsubsidized and XXXX loans. Stafford subsidizes loans total {$8300.00} ; unsubsidized {$9200.00} ; and signature loan {$5700.00}. I went to XXXX XXXX University and obtain my XXXX XXXX and XXXX XXXX degree in XX/XX/XXXX. I am XXXX years old turning XXXX on XXXX/XXXX/XXXX and would appreciate some relief with this debt. Thank you, XXXX XXXX
Consumer complaint received 2015-08-24
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (NC)

Pioneer Credit Recovery has sent a garnishment notice to my boyfriend 's employer on XXXX/XXXX/15 after he had made payments to them on XXXX/XXXX/15 and on XXXX/XXXX/15 which we have proof of. As a previous debt collector, I understand that a payment still counts regardless of the amount and I am convinced that this instance is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

While attempting to finance my education at XXXX Schools I was told I would need a co-signer. I asked a friend to co-sign my private education loan. My friend agreed, when finalizing the financing I was informed the student loan would need to be in my co-signer 's name and not mine. I was assured that as soon as I finished the schooling, I would be able to transfer the student loan into my name. After completing the program, the financial institution refused to transfer to my name.
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I signed up for a Citi XXXX account in XX/XX/XXXX. I was promised a {$400.00} bonus after completing certain requirements. The requirements were fulfilled and I waited to receive the bonus. After the necessary time, the bonus was not completed. I talked to representatives from Citi on XXXX different occasions and each time they assured me the requirements were fulfilled and an investigation was opened. It has been over a month and no response from them and no bonus. I would like Citi to inform me with certainty when the bonus will be posted.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

Navient had collections agencies calling me saying they had my account. Multiple agencies a day would call. I contacted navient and they gave out my information to these agencies. My account was NEVER IN COLLECTIONS and I lost all of the money I had been paying monthly to this agency that claimed they had my account. Navient is horrible and was no help and just lied and stole my money. They refused to let me defer my loans and fold me this was not an option. This has destroyed my credit.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I ca n't negotiate a payment that I can afford Navient keeps pushing me to use the forbearance option as I do not qualify for deferments or other payment options. Last week they told me to consider consolidation and it would give me more forbearance options. I also blame the college because instead of offering me enough money to pay for tuition and associated costs they always said you can take up to such and such an amount. I always accepted the higher amounts because I was broke and saw this money as a way to breath easier. However now I realize it was irresponsible of them for tempting me and also on my part for falling for it.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I have XXXX student loans from Navienet and at the time my daughter started college so I had put XXXX other parent plus loan under my name as well. My daughter graduated XXXX 2016, I was making my payments but my loan were not going down and kept calling and they were telling me they received the money and they were being applied, it was not until my daughter started to pay her loans in XXXX when they said her payment was late that I realized for 4 years they were applying payments to my daughters loan who was not out of college yet. It took me 5 people to finally get someone to understand what happened and truth be told I do n't know if it was every fixed they sent me paperwork showing where what they did but what about the interest it looks like they just put the dollar amount back on my loan. this is a different department they does the correction and you are unable to talk to these people. This may not be a lot of money but the point being I was calling them and telling them something was wrong and they did nothing about if for 4 years. 
To your answers below many apply only able to check one box - Do n't agree with fee charges, Received bad information about my loan, having problems with customer service