davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-20
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

They call multiple times a day every day of the week. One person left a voice mail message and called me a XXXX. It is not necessary to call several times a day every single day. Yesterday they called at XXXX, then 2 hours after speaking to me. After telling me the would " push '' the call ( meaning they would n't call again ) they called 2 more times. This is harassment and it needs to stop
Consumer complaint received 2016-09-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

My insurance company at the time paid the debt owed to a hospital. 

The hospital has not acknowledged the debt paid to whomever is continuing to send out debt collection notices. 

When I told the insurance company, they said it 's the hospital 's fault, they made the payment to the hospital, and even checked it for a third time now. Yet I continue to receive bills/debt collection attempts from the hospital 's XXXX-esque system that they apparently deny any control over. 

I am beginning to think some accounting segment of the hospital is irresponsible or trying to scam people out of twice what they owe for services.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Loans serviced by Navient. I was forced into forbearance and then defaulting in order to qualify for income based repayment. I was given no other option but to default when i could n't make payments on time. This destroyed my credit and is highly illegal when there were other options available yet were withheld from me.
Consumer complaint received 2016-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: MOHELA (MN)

Because of losing a XXXX I was unable to work for almost a year. I fell behind on my bills. I filed a chapter XXXX bankruptcy. I paid back everyone I owed % XXXX of what I owed! Three months early. Even my daughter 's student loan that I had signed for. Now two months after my discharged in which I thought I was debt free I get a letter from XXXX XXXX XXXX XXXX stating that I still owe MOHELA money. Apparently even though I was making monthly payments to them through court. they were charging me interest. Now they what that interest to be paid. They are charging me interest on my interest. They said that becuse I fell behind that they could " capitalize '' the interest and turn it into principal. therefor I ca n't even get the tax deduction. When I file my chapter XXXX they submitted a claim to the court for what I owed them. Why did n't they ask for the full amount then. 
it 's like a loan shark. Even after you pay them you will always owe!
Consumer complaint received 2016-07-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

I 've received a bill from American Education Services that states to date I 've paid on my private loan {$43.00}, XXXX yet still owe XXXX on a loan I pay {$460.00} per month on for the past 10 years. If this were a federal loan I 'd have had it paid off by now however because it 's owned by American Education Services they can charge both interest rates and payments and thus I 'll be in debt for the next 40 years. XXXX I have paid my debt on time every month however, if there has been a delay in their processing they have been threatening via email, and phone to myself and my mother and have threatened to take her home. I have no logs of these calls. But they happened.
Consumer complaint received 2017-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I currently have a student loan that is being serviced by Fed Loan. Upon receiving notification that the loan was due, I immediately filed for a forebearance, which was granted. I recently looked at my credit report and noticed that Fed Loan had reported my account as being late for 120 days. This is untrue because when I received notice that my loan was due I immediately requested a forebearance. If I had already began making payments and then started making late payments then I could see late payment entry being reported to the credit bureaus. I never received any bills stating that I was late or in default.
Consumer complaint received 2016-02-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BC SERVICES, INC. (CO)

None of the options above fit my complaint ( had to pick one ). BC Services debt collectors, used my name on a message to get me to call them, and then when I called the representative asked about a debt for some one else, who I do not know! When the representative looked at some info. after I confirmed my phone number, she said there is some information about you. I said what info. and she said I need your DOB. I said I would not give her any more info., as her company called me. 

She said, then we will send this in the mail. I said what info. are you talking about. She said, I need your DOB in order to give that info. to you. Again, I said you called me. Conversation ended, and to say the least, the tactics and practice used by this debt collector is not acceptable. 

Do n't use my name and then make it sound like you have some dirt on me in order to get me to give you more information!!
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

Navient is reporting late payments to my credit report dating back to XX/XX/XXXX when my loans were in forbearance they have a knowledge that the loans were in for forbearance but refused to remove my late payments. I have been calling in dealing with them since XX/XX/XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX account : XXXX XX/XX/XXXX. {$410.00} - Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IQOR US INC (OH)

My student loan has defaulted and gone to a collection agency : Allied Interstate. I received a statement from said collection agency on XXXX/XXXX/2016 stating that my balance was {$11000.00}. Three days later, I received a statement from the Federal Offset Unit stating that my tax return had been offset in the amount {$9800.00}, with the amount of {$9600.00} going to XXXX XXXX XXXX, the creditor, for payment on the balance of that loan. I just received a statement today, XXXX/XXXX/16, from Allied Interstate with a new balance of {$7900.00}. According to them, only {$3400.00} of my offset went towards the balance. I called Allied Interstate to ask where the rest of the money went, and a representative told me that there were possibly collection fees and interest, but he could n't tell me how much and he could n't provide me a written statement. He then gave me the number to contact the creditor for any further inquires. I then contacted XXXX XXXX XXXX and requested the balance. A representative told me that my balance was {$77.00}, and that amount was all that I was required to pay. They are sending me a statement with the payment and balance as proof. If I had not contacted them, Allied Interstate would have proceeded with garnishing my wages at XXXX % for a debt that they could not verify.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Something happened to my Equifax credit file, and Equifax will not tell me what the issue is. They needs tons of documentation for a situation that I did not create. This is unfair to me.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount {$800.00}
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

My bank collects for taxes with my principal, interest and insurance payment every month. I added additional land to my property and the bank, Chase, stopped paying my property taxes without contacting me. I continue to pay my property taxes monthly to them and also had to go pay XXXX tax bills that they did NOT pay. I contacted Chase Bank on XXXX and spoke with a supervisor. I told her my issue and she said she would be sending me a letter within two weeks letting me know what they will be doing. Today is 30 days and I have heard NOTHING from them.
Consumer complaint received 2015-04-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

MY NAME IS XXXX XXXX.MY LOAN NUMBER IS XXXX. I HAVE A HOME AT XXXX XXXX XXXX XXXX IN XXXX TEXAS XXXX. WHEN I GOT IN TROUBLE AND APPLIED FOR A MODIFICATION IN XXXX OF 2014 I SPENT 8 MONTHS TRYING TO GET A MODIFICATION APPROVED. I WAS NEVER TURNED DOWN. ON XXXX XXXX I CALLED CHASE TO SEE WHY THEY HAD NOT APPROVED THE LOAN. ON XXXX XXXX WHEN I RECEIVED NOTICE OF FORECLOSURE I CALLED AND VERIFIED THAT MY LOAN WAS STIN IN PROCESS OF MODIFICATION. I RECORDED THE CONVERSATION WITH MY CASE MANAGER OF CHASE AND WAS TOLD THAT IT WAS NOT IN FORECLOSURE AND THAT THEY WERE STILL WORKING ON IT AND WAS TOLD TO CALL BACK IN XXXX DAYS. ON XXXX XXXX, IN DIRECT VIOLATION OF THE XXXX XXXX 2014 LAW OF YOUR DEPARTMENTS LAW, WHILE I WAS IN PROCESS AND WAS NOT TURNED DOWN, THEY TOLD ME THE HOUSE WAS FORECLOSED ON AND THERE WAS NOTHING I COULD DO ABOUT THIS. I AM ASKING UNDER YOUR REGULATION, THAT CHASE BANK GIVE ME MY HOUSE BACK. I AM A XXXX FATHER WITH XXXX CHILDREN AND WE HAVE NOWHERE ELSE TO GO.
Consumer complaint received 2017-01-08
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: JPMORGAN CHASE & CO. (IL)

I have complained to Chase about XXXX XXXX XXXX tactics, XXXX XXXX XXXX called my mother about my loans even though her name is only one loan. I have advised XXXX XXXX XXXX that I am working with an attorney on my debt only, per the attorney I am not allowed to speak to them about anything. XXXX XXXX XXXX changed the due date from the XXXX to the XXXX which is causing me to go late every month, the XXXX the due date of my other loans. I am not sure it was ever changed. Chase told me that I will have to catch up the loan but I am working on all of my debt so I am unable to do this. I want of all the negative marks removed due to my due changed being changed. My credit s being affected by this and I have told Chase this numerous times. My account is now almost 30 days later again and I ca n't keep having marks on my credit due XXXX XXXX XXXX changing my due date. I am working with an attorney on my debt only, therefore I ca n't speak to XXXX XXXX XXXX on this.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (NJ)

NELNET marked me 90 days late on XXXX different loans when this was an error on their end. I even spoke to them and they put my account current. I need the 90 days late removed from the following accounts as this is hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (AZ)

I was looking through my account and noticed that a transaction that was suppose to be {$70.00} to my XXXX was a {$100.00}. I called the bank to file a complaint that was when I realized that they had taken out XXXX {$100.00} transactions that I did not authorize. I filed a complaint immediately and the Customer Service Representative stated that they would be removed. Well I just found out today that they reversed XXXX on the {$100.00} transaction even though they all XXXX transactions were from the same company and I did not authorize any of the transaction in the letter they sent they stated to found the transaction to be correct when it was not. I asked them to tell the name of the company and they do not know. How am I suppose to get my money back if they do not even know to whom and where the money went. I strongly implore that Chase put back my {$100.00} and any transactions fees because the transactions all came from the same company and I notified them as soon as I found out the transaction was not the the XXXX. Or the bank give the information on where and to whom this {$100.00} went to. They owe me that at least so I can try to get my money back and if Chase does not know who they are then it not a correct transaction and Chase needs to give me back my {$100.00} I never received notification by email of by mail that they were going to charge back the money to my account.
Consumer complaint received 2016-05-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GVA Holdings, LLC (CT)

I received a loan for XXXX in XXXX. I have paid XXXX two weeks in every month starting in XXXX XXXX. By now this loan should be paid off. XXXX now is charging excessively and the next payment they said is due to be taken out XXXX/XXXX/16. There number is XXXX XXXX. XXXX XXXX. My name is XXXX XXXX XXXX. They are operating name is different it is owned by XXXX
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

I have a perfect payment history with Barclay Card and for months now, they put 10 business day holds on payments made for no reason. While on hold, they have my funds already cause it cleared my bank, yet they just sit on it for 10 days. This is beyond ridicuolous cause it effectively freezes any spending from happening.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I received a a letter on XXXX/XXXX/2016 advising that my " XXXX '' account was being cancelled and I had the ability to re-new. The envelope and memo were non-descript so I was not aware what this service was really about. I thought this was a phishing scam. 

I called on XXXX/XXXX/16 and was advised that Citibank had signed me up for this service since I had done business with them in the past. It seems this service is a credit monitoring service (??? ). The agent cancelled my subscription and was helpful but was not able to provide any contact info for Citibank. I have NOT had a Citibank account for years nor received any notice I was being signed up for this service OR what access to my records they were actually monitoring. 

I 'd like to understand why Citibank was allowed to do this without my permission and what personal information does this company have access to. 

Their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I visit a XXXX office XXXX XXXX XXXX. I was told that I would need braces and that the office can get me finance by a bank they use ( carecredit ) I was quoted {$2900.00} for the job. At first all seams to be perfect and I was able to go there very month after I received the first XXXX that I was going to wear until XXXX were done. my appoiments were then 3-4 months since XXXX was not longer coming to the office every month anymore. I got feed up and I told them I was going somewhere else they told me i would owe them all the money still beacuse they had gotten paid. 
credit card paid a job that I never received and make me liable for a job that was not compleated making me pay for a service that it was not rendered. I think I should not be liable also the have damage my credit I was tken advantage by both XXXX and Credit Card company!.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ME)

DITECH ... these people call day and night after the first day a payment is late. I paid over the phone after very aggressive phone calls from DITECH. They said they would waive the fee and when I saw my bank account they charged a fee. 
They also sent me a letter adding {$2000.00} to my mortagage that they obtained from GREEN TREE. They said it was audited and they found a mistake.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

I did not receive anything from Ditech last month. I had my billpay set up for mortgages and they sent out on XXXX XXXX, 2016. Apparently, Ditech updated its computer system for the XXXX week of XXXX. I could not even log in to my account. In addition, Ditech changed all of my account numbers and despite receiving the billpay checks, Ditech " rejected '' payments for XXXX mortgages for ( new ) account numbers. Then, Ditech assessed illegal late fees for each account and proceeded to harrass me by calling me 3 or 4 times a day demanding payment despite the fact they received billpay checks on time. The checks had the old account numbers before XXXX XXXX, 2016. I paid all XXXX over the phone, then XXXX of the XXXX billpays were finally cashed on XX/XX/2016 and it does, in fact, state that the check was sent on the XXXX of XXXX. I had to cancel the payments over the phone because they were essentially double payments. Since then, I made sure every account is current, even making payments a second time for the month of XXXX for XXXX accounts, which billpay checks are being retained by Ditech, but not cashing them. The representatives I spoke with stated that I would be credited back the late fees. However, this has not happened. All I get over the phone is transfers to full VM 's or I leave a message to be not returned. Further, their " new system and website '' keeps kicking me out. Please CREDIT me with the illegal late fees and TELL ME what you are going to do with the XXXX remaining bill pay checks.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

Without notice or explanation, Citi changed my account credentials and refuses to permit me to login to its website. Multiple requests for access have been ignored. I speculate that access was restricted in order to prevent me from paying the account online. Citi 's website purports to reestablish access only if I enter the full account number. This number is unknown as I previously reported by card lost or stolen and requested a new card. A request that Citi has also ignored.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

XXXX # XXXX ( macys ) On XX/XX/2016 I send a debt validation letter XXXX # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed XXXX # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

citibank has been calling twice a day for XXXX10 months trying to collect a debt from a sears charge card. i do not now, nor have i ever had a sears card. although i have told them they have both the wrong person + wrong number they call anyway.
Consumer complaint received 2017-01-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOK FINANCIAL CORP (TX)

In XX/XX/XXXX, Bank of Texas/Oklahoma failed to pay the full amount due for XXXX Homeowners Insurance. In XX/XX/XXXX, per the third-party-lender Foremost, notification was to sent to the mortgage company requesting the remaining {$290.00} due for the insurance or the insurance would be cancelled. Due to a failure of payment the insurance was cancelled in XX/XX/XXXX. I was never provided any of this information from the insurance company or the mortgage company, until I contacted my insurance company, XXXX, in XXXX. XXXX made contacted with BOK regarding this issue which could not be resolved. Due to the lapse in time without insurance I am unable to get homeowners insurance at this time & will have to resort to the mortgage insurance provided by BOK. I have been trying to resolve the issue of escrow with BOK since before the XX/XX/XXXX. Currently I have {$1700.00} of escrow which was intended to pay Foremost for XXXX ; however, it is now an overpayment as the Mortgage Insurance is less than {$520.00} per year. BOK is refusing to complete an analysis on my account in order to release the escrow funds and lower my monthly payments by approximately {$100.00} per month or more. I have spoken with multiple supervisors & representatives all of which assure me that someone will return my call & be in contact with me. Since XX/XX/XXXX, XXXX people, XXXX of which claim to be supervisors, assured me they would call me back within three days and to date I have yet to hear from a single one. My funds have yet to be released & returned, and they are calling me about past due payments in which they are still charging me in excess for XXXX & XXXX payments. 

Bank of Texas aka Bank of Oklahoma XXXX
Consumer complaint received 2016-07-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (CA)

getting debt collection calls at work and on my cell daily. They say that there is a claim against me and to call back. This is a pre-recorded message " robo call '' getting them for months at my job looking to sue me for a loan I do n't have. I think Rise Credit has sold my personal information to a scammer since they are the only ones who have my information like cell phone, bank info, social Security number and cell phone and work phone.