davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (GA)

I had a student loan from my school XXXX that at one point went into default I had stated to make payments to the first collection company that then took them out of default so I could attend school again. I then enrolled into school then about two months after the school was shut down. My loan was then turned over to Navient. They are the most unprofessional company I have ever had to deal with, the send emails daily just about with all my personal information to be displayed and they then call me every day 2-3 times a day from different numbers and leave messages constantly. I have 34 voice mails all from them in less or around 30days. I spoke with a lady that stated I can be on a XXXX a month payment plan and they will send a email that i have to respond to in 48 hours or I cant enroll in the program the email was send days later and then the letter she stated she would send was never sent. I feel so harassed and I also feel I should n't have to pay this not only because the barrage of calls but the fact the school was shut down due to there legal issues. I feel I want to place a lawsuit on this company for harassment.
Consumer complaint received 2016-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (PA)

I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (SC)

I wanted to change my pay date because my pay date change, I was denied to change the pay date. I was also denied to do a deferment when I lost my Job. They would also threaten me with foreclosure when I was a week or 2 late, they would talk very nasty to me, as they wanted me to lose my house. They would send a letter to offer alternatives, but when you call in, there was not any alternatives. They denied help with South Carolina Help, a mortgage relief program that assisted in paying mortgage payments if you were behind, which was terrible as they wanted to foreclose.I mailed them a check at one time, they told me that they had not receive the check They took the check and paid someone else mortgage. I had to make another payment on the payment that I had already made. This financial institution is terrible, they would not offer any hardship alternatives and does not need to do mortgages. They way my mortgage was sit up, it would never go down.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP (NY)

XXXX XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (WA)

I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM XXXX, XXXX AND EXPERIAN '' ; filled out the form, and the first credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (LA)

After applying for a mortgage I found that there is a judgement on my credit report from XX/XX/XXXX. So I disputed it with Experian and investigated it on my own. I found that this judgement was obtained illegal and that the only information on this judgement that matched to me was my name. The address is incorrect and my social security number is not on the judgement. When I spoke to Experian they stated that the judgement has a address I used in XX/XX/XXXX. Only problem is I was residing in the state of XXXX in XX/XX/XXXX not XXXX. so they stated there not going to remove this invalid judgment.
Consumer complaint received 2023-01-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (VA)

XXXX XXXX XXXX XXXX XXXX had obtain my personal information through identity theft. I never given this company any of my personal information including a social security number. According to the Privacy Act of 1974 which states : " The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. '' XXXX and Exeter Finance violate this act when my information was illegally obtained without my verbal or written consent.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I wrote a check, # XXXX, in the amount of {$2700.00} payable to XXXX XXXX in order to close out my credit card account with it. The check was mailed on XX/XX/XXXX.
I received a letter from XXXX XXXX, dated XXXX XXXX XXXX, stating that it had not received the due payment. A call to XXXX XXXX  confirmed that the check had not been processed and due to the time lapse recommended I put a stop payment on check # XXXX for a fee of {$35.00}.
On XX/XX/XXXX I called XXXX XXXX to discuss the matter and the representative confirmed that my check had not been processed and that my account had incurred a late fee of {$15.00}. The representative told me that the late fee would be waived if I would make a " 1 time immediate on-line payment or automatic phone payment. '' I asked to be transferred to a supervisor for expedited payments. The representative agreed to transfer my call however after a 30-minute hold, I hung up and opted to file an on-line complaint via Synchrony 's website, which promised to respond within 3 business days. I did not receive a response.
I called my bank to set up the stop payment on check # XXXX and I made the 1 time phone payment of {$2700.00} to Synchrony via a funds transfer from my account.
XXXX XXXX XXXX failure to process my XX/XX/XXXX payment in a timely matter resulted in my incurring a stop payment fee of {$35.00}.
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNTRUST BANKS, INC. (MD)

I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OH)

I logged on annualcreditreport.com, I requested my credit reports from the XXXX agencies but, I was not able to receive Equifax report nor, was I given an option to request that it be mailed to me. I did receive my reports from XXXX and XXXX but the Equifax site was unresponsive. When I called Equifax, I was told that I had to purchase my credit report ; I have not requested or received a credit report from Equifax in over a year.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MS)

I filed for Income Sensitive Repayment plan by the deadlines I was given in both XX/XX/XXXX and again in XX/XX/XXXX to Navient. Due to their delays in processing, higher payments were auto deducted from my checking account both times. Navient takes 2-3 months for processing then the loan borrower is charged a higher payment even though they are eligible for a reduced payment. Both times I spoke to customer service to be sure that processing would be completed prior to the date that payment was scheduled for auto deduct. I was assured both times that my information would be processed prior to payment date, yet, when payment was due the higher amount was taken out and future phone conversations with Navient reveal that only then did they attempt to " expediate '' the processing of ISR plan.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I came across promotional banner on Citibank website for opening a checking account and a {$400.00} bonus with a qualifying deposit. I decided to apply online using promo code XXXX provided at the start of the application process. Few days later, I reached out to Citibank customer service through online chat. The online agent confirmed my account was opened under the promotional code XXXX. He also confirmed the qualifying terms to receive the {$400.00} bonus : deposit a total of {$1500.00} within 30-calendar days and maintained the {$15000.00} minimum balance for 30-calendar days. Based on the promotional terms, I have met the required {$15000.00} balance within 16-days and have maintained at least {$15000.00} for 58-consecutive days. The {$400.00} bonus should have been deposited to my account by XX/XX/2017. I reached out to Citibank on XX/XX/2017, inquiring about the bonus. The online chat agent verified that I have met all qualifications for the {$400.00} bonus. But then she told me I failed to enroll in the promotion offer. I told her that she was mistaken as the promotional term states we simply need to open a checking account to participate in the offer. the only disqualifying criteria is for an existing Citibank account holders. She was not able to show me the verbiage in the offer, or proof to support her argument. At the end, she submitted my case and Citibank would respond within 5-7 days. Citibank has not gotten back to me and despite it their 90-days promise, I have yet to receive the bonus. This is the first financial service company I have ever had issues with, and I have been very lenient with the timeline. I 've completed their requirements, and I wanted them to honor their promise. Do what they 've promised ... .and do what they should 've done 44-days ago which is to deposit {$400.00} to my account.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Experian is reporting a collection account on my credit file from XXXX in the amount of {$1200.00}. The account was disputed in 2014 directly with the collection agency and it was deleted ( in 2014 ) this account is now being re-reported on my credit file. As i said previously in the 1st dispute this account is not mine, and i have no knowledge of it. I was never given a DV and i would like this account deleted from my credit file again and for good.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (GA)

This is for Experian credit monitoring services. I signed up for credit monitoring services with Experian on Wednesday XXXX XXXX, XX/XX/2015, and provided a Mastercard credit card number ending in XXXX. When you order your {$1.00} Credit Report and FICO Score, you will begin a XXXX membership period with Experian credit tracker. If you do n't cancel within 7 days you will be billed {$21.00} for each month that you continue your membership. I attempted on several occasions to contact Experian beginning on XXXX XXXX, and XXXX XXXX. The phone number on their website is actually a fax number XXXX. I called that phone number several times ( XXXX ) only to be connected to a fax line. This phone number was listed as the phone contact number for questions regarding your account, billing, etc. When I was finally in contact with Experian, they claimed that I had contacted them outside of the XXXX window.. and they could not refund the {$21.00} charge. Do I have any recourse. They seem extremely underhanded in dealing with clients.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a problem with Chase.I submitted my complaint before that our mortgage monthly payment is about {$2700.00} and changed. Our interest has been 8.25 since with refinance by chase. We were told that after refinance mortgage our interest will be reduce after two years but that never happened. We almost lost our house about 3 years ago, but we did get help from homes saver. Despite that our home mortgage payment still high requested for payment reduction chase refused to help. Now we are 4 months behind we called chase submitted paper work we are still waiting no answer from Chase. I am still on unemployment list. Please help us.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

I accidently sent a {$1000.00}. payment to Chase - XXXX that was suppose to go to XXXX. At that time there was a XXXX balance on my acct. I called and spoke to someone on XX/XX/XXXX and they gave me grief about getting back the payment and said it would take XXXX days. I called on XX/XX/XXXX to check status if it being sent out and was told they sent out only {$930.00} of the {$1000.00}. over payment since there were XXXX small charges to the account on XX/XX/XXXX. My statement does not come out till the XXXX of each month, so I had n't even received my statement for Chase for the coming month. They have refused to send me my full balance of the {$1000.00}. that was accidently sent to them.
Consumer complaint received 2017-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (VA)

I get two to three robo-calls a day from the CBE Debt Collection Group. When I answer the phone there is no one on the line, just a prerecorded message telling me to call them. I have no one who has claimed that I owe them anything ; I have no one warning me that they are turning a debt over to a debt collector ; I have no outstanding debt ; and I am certain this is a phishing expedition or scam, and I am not going to call the CBE Group to reinforce their manipulative tactics and questionable motives. If they believe the CBE Group believes it has a claim against me they can write me a letter explaining their claim and provide documentation or they can call and talk with me directly, but I will not initiate contact with them. I want their harassing calls to stop.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I have been contacted on numerous occasions by the mortgage servicing company, Ditech Financial, LLC on behalf of my deceased mother 's account, whom was the sole-owner of the mortgage debt. The loan inception date was dated back to XX/XX/XXXX, under Green Tree Servicing. She passed away in XX/XX/XXXX ; the family has been in the process of legally obtaining the Administrator of Estate in the state of Georgia. Currently there is not an executive administrator in place in place for any person ( s ) to legally handle her debt with any debtors. We have advised them on several occasions of this matter. I myself have continued to make payments on the mobile home using my fixed income until we can get all the legal matters cleared. Unfortunately, the payments were not made promptly each month and they have called and harassed daily on my cell phone and landline to collect on the account. The main issue is I am not the original loan holder and do not feel i should be harassed in such a manner by the company or its collectors ; they have threatened to come pull the mobile home from the land, mailed certified letters to my address, canceled insurance ( per their conversation ), and will not provide any significant details on the account except the current payment due and demanded I pay immediately using their preferred method of XXXX/or XXXX services to bring the account up to speed. The representative name over our account is XXXX and she has been contacting me for over two years now and is fully aware of my deceased mother and continues to contact me with harassing collection practices. On one occasion a representative contacted me regarding the debt and I advised her of my fixed income situation and the legal proceedings of the Administrator of Estate. The representative advised me the account could possibly qualify for some type of " hardship '' after we brought the account up to date but we have yet to receive the paperwork.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE (NY)

I had an XXXX card from XXXX. XXXX converted all their customers from XXXX to Barclays. Two weeks ago, I received an email from Barclays that my payment was approaching and asked me to schedule automatic payments, which I did. I scheduled auto pay to be paid the day before my billing period. When I went to check my account yesterday, it said my payment was part due and I was charged a fee. I called to find out what happened and they told me for autopay, the first payment does n't take place until after 30 days. they never informed me of this. In fact, in the auto pay confirmation email, there was no fine print and no information that stated that the payment would not go through until after 30 days. I have also had a similar problem with XXXX who canceled my autopay after 12 months without informing me then charged me a late fee, reduced my credit line and dinged my credit score. These credit card companies are finding loopholes to scam honest customers out of money by not informing them on their specifics behind auto pay.
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

I set up reduced payments with Navient in XXXX 2017 because I could not afford the monthly payments. I was told to select a date I wanted payments and they would auto draft. I selected the XXXX of each month. My regular payment due date was the XXXX, and I was advised that my due date would be adjusted automatically to reflect the XXXX after 3 months of on time and successful auto-drafted payments on the XXXX. This was after I called in about 2 months into making these auto payments to question why it was n't reflected. It is now XXXX, and my due date has not been corrected. I called today to try to resolve that as well as update the bank account information for my auto payments. I was transferred 4 times, with each associate telling me they could n't make those updates, only someone in another department ( the one I just spoke with ) could do it. On the last call, the associate answered and then never spoke- literally sitting in silence on the line. I waited because I could hear them making some noise as if they were reading out loud, so I assumed she was reviewing the comments. Then suddenly I was going through an automated prompt to rate the call and customer service. Well, all of the calls and customer service was rated the lowest possible. After speaking with multiple representatives, no one helped, kept passing me back and forth to departments with long hold times, and in the end, they dropped my call. One of the associates did indicate that because my payments were coming in after my due date, I was probably being assessed a late fee ( which after review I see the 2 late fees I was charged had been refunded, so they were again wrong ) and that she would put in the request to change my due date but it would n't reflect on my account until after this month, so once again I will appear to be late. And if this is n't processed, I will have to wait another month to see the change. I was transferred after that and did not receive any confirmation of this change request being processed, and because it took almost a half hour to make no progress, I did not call back. I also was unable to update my payment information- they are making it needlessly complicated to manage this account and my repayment.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (GA)

CREDIT MANAGEMENT is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a XXXX rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit.