davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (FL)

About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). 

If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. 
XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (UT)

In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.
Consumer complaint received 2017-01-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DISCOVER BANK (FL)

Discover called my employer and co -workers multiple times, trying to find out what my personal cell # was and personal ifo about me, They ask a male coworker if he was my boyfriend and did he live with me. Continued to call these same people after Being asked to stop.Excessive contact on my home phone.When I changed jobs they started again with the same behavior. I have proof of who they called.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SIMM Associates, Inc. (AZ)

I get numerous calls everyday from www.simmassociates.com. 
Over the last year and a half I have worked and negotiated all but a few of my credit cards. 
Those I have kept are in good standing. 
This company appears to have harrased many people and trying to collect on debts that have been paid or negotiated. 
They need to stop. they will not listen to anything the consumer says and are harassing on the phone.
Consumer complaint received 2015-10-09
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (CA)

My XXXX-year old son bought a " pre-paid '' debit card " NETSPEND '' so he could pay for something on his own on the internet. Little did he know that he had to ( this is their wording that he found out when he could n't use it ) " provide your name , street address, date of birth, and other information that will allow us to identify you. We may also ask you to provide a copy of your driver 's license or other documentation as proof of identification. Approval of your request for a NetSpend Prepaid Debit Card requires passing our identification verification process. Residents of the State of Vermont are ineligible to open a Card Account. '' All as part of Patriot Act/Anti Money Laundering requirements. I work for a financial institution that follows these regulations ; NetSpend requires someone to " Open an Account '' and thus in that manner they require the " know your customer '' rules. Thus many people do n't want to give this information and never can use the card when they think they are purchasing a prepaid CREDIT card. My son only got bilked out of {$10.00} but there 's instances all over the internet of {$100.00}, {$200.00} and {$300.00}. At my bank we do n't let someone give us their money and " open an account '' account they then ca n't use. They know up front that they will provide personal information ; if they do n't want to provide the information, then they walk away. NetSpend is violating consumer laws by not providing disclosures to customers, or at least making them aware of the depth of the requirement at the time of the purchase.
Consumer complaint received 2020-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc. (CA)

Date was Thursday XX/XX/2020. The amount was {$1000.00} worth of XXXX gift cards paid to loan officer by the name XXXX XXXX claiming to be from LendingTree. He demanded another {$350.00} of XXXX for US IRS Tax for Loan for Disqualify Credit. I called XXXX and they said the cards was already used and has a XXXX  balance. They said to go down to the police station and report it.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

First, my loan was consolidated and Navient remained my lender. I paid my bill, but Navient did not make it clear they had changed the mailing address. It took them at least a month, if not more, to locate where my payment was sent. 
While waiting for this to be reaplved, I was being called multiple times daily for not making my payments despite the fact Navient said they would stop calling. I was charged late fees while Navient " searched '' for my payment. 
Then, when a payment was " late '' because they could not find it, I was continually pushed to go into forebearance. Once, I requested on a XXXX that I make my payment that XXXX which was my payday. The operator continually suggested I go into forebearance instead of saying ok or offering another alternative or even suggesting it would be in my best interest to pay that day.
Consumer complaint received 2016-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MN)

In the XX/XX/2015, CFPB opened an investigation into why student borrowers are falling off their income based re-payment plans. They found that more than half of borrowers were failing to re-certify by the yearly deadline and submitted inquires with the major loan servicers ( XXXX XXXX, XXXX, XXXX, PHEAA/FedLoan ) as to the potential cause. I would like to share my recent experience with FedLoan Servicing. This past XXXX, my checking account was suddenly over-drafted with a {$3500.00} charge from FedLoan ( XXXX times my monthly payment ). After calling FedLoan to determine the cause, I was told that I had failed to re-certify my loan. I questioned when I had been notified. They responded that they had sent me electronic communication a couple months prior. In short, this resulted in my interest being capitalized ( now costing me additionally ~ {$2500.00} a year ) and I was placed on standard repayment. I quickly re-certified, but was told I could not be re-started on income-based payments for another month due to " processing time '' so I was required to make another {$3500.00} payment the following month. I contacted FedLoan again saying I could not afford this payment. They offered forbearance but said my interest would be capitalized again. I submitted a complaint with the federal US Department of Ed Ombudsman and the FedLoan servicer Ombudsman of insufficient notification and requested the capitalization be reversed. They claimed the electronic notification was enough. Despite there being no phone calls or paper notification to my home address. I have since canceled online notifications, I now get an e-mail every couple weeks to " sign up for our electronic notifications '' by FedLoans " to be green. '' Obviously that previously did not work out in my favor. I submit my story to help CFPB and others understand the barriers to re-certification : ( 1 ) Electronic notification is pushed hard by the loan servicers ( 2 ) They send e-mails but then require you to log in to a secure database to read their messages ( 3 ) They send messages monthly about payments coming due making a change in loan status harder to identify in the sea of e-mails ( 4 ) They do not phone or send a supplemental paper letter if a substantial change is about to occur to your account. Unfortunately, missing one e-mail will now cost me {$2500.00} a year in interest on my interest.
Consumer complaint received 2015-05-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (NJ)

People from a phone number XXXX XXXX XXXX XXXX are calling me and my cosigner at our place of employment regarding my student loan that is not deliquent the calls are daily XXXX to XXXX times a day and I believe it is bordering on harrassment. When you try to get information they are very nasty. Please help.
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

In the wake of the most recent lawsuits against the lender XXXX and their unethical dealings with their customers/borrowers, I have realized that I have had a similar experience with my own lender ( Fedloan Servicing ). I was assigned Fedloan Servicing/myfedloan.org as my lender who immediately gave me a higher rate than what I had expected but I made do with these payments. However, Their rate/payments have continued to rise based on the default plan I was given. As a former student working XXXX jobs and making under {$30000.00} a year, their payment prices are much too high and so this last year I requested an IBR ( income-based repayment plan ), not once but twice, instead of again use the forbearance that they continually grant. I have submitted numerous web and paper based documents to no response. Upon calling and emailing on their paperless system, I was only given the answers that either " my packet was lost '' ( though reached the destination based on mail tracking ) or that I " must have buried them in paperwork ''. I was later told that I was denied on the first one I applied for based on them lacking paperwork ( that I had submitted but was lost? ). What I am simply asking for are just answers and information as to my IBR status and my eligibility. I thought it beneficial to ask an outside agency if this is something that should take several months or if I should be worried as to how hard this process has been. 

Thank you very much!
Consumer complaint received 2016-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (AR)

I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to Great Lakes Higher Education. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly.
Consumer complaint received 2016-09-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SFS, Inc (MD)

I had XXXX loans with One Click Cash ( XXXX in XXXX 2016 and XXXX in XXXX 2016 ) in which the company did not make me aware, either orally or in the loan documents, that they process payments internationally and that my bank may charge me international transaction fees. After reviewing my account recently and found XXXX international transaction fee charge, I further reviewed my account and found several of these fees going back to XXXX 2016. I have now incurred almost {$50.00} of these charges. At this point, I would like One Click Cash to refund me those international transaction fees totaling the amount of {$49.00}. In support of my contention, attached are the bank transaction fees ( as highlighted ) that I 'm requesting to get a refund for, the loan documents for both the XXXX 2016 and XXXX 2016 loans. I tried getting these fees refunded by my bank but bank policies and agreements do not allow them to do that due to the fact that the payments were processed internationally by One Click Cash. I also called One Click Cash to get them to refund these fees but they refused. Nothing in the loan agreements state that they process payments internationally and I believe that they violated the agreement which makes me entitled to these refunds.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (CA)

I am currently undergoing financial hardship ( actually have for the last 5 years ). back around XX/XX/XXXX I had applied for both forbearance and deferment ( hoping at least one would be approved ) ; received a letter " claiming '' one had been approved yet monthly bills still showed the full payment amount was due and thus my so called approved application was ignored. The ( current/present ) lender is MyGreatLakes. As a result of this hardship I fall short each month on needed supplies and some times even other bills - regardless of whether or not I pay the full monthly amount or more than that! Seems not to make a difference! I applied at what was once called XXXX XXXX ( connected to XXXX XXXX ) now going by the name of XXXX XXXX and since graduating have not once found employment and they have not provided assistance in any way in that area either. XXXX is one of those for-profit higher education services that have fallen under investigation. I must also note I am considered XXXX and receive an annual amount of {$13000.00} for XXXX! MyGreatLakes is impossible to deal with, ever since they bought out the student loans life has become a living XXXX and it has proven pointless when dealing with them ; they bought out these student loans back around XXXX XXXX and before that XXXX was the lender and no problem to deal with!
Consumer complaint received 2016-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (CO)

Every time I make a principal only payment, the payment is distributed to all of the loans instead of just the highest interest loans. They even state on their website that when you make a principal only payment that it will go just to the highest interest loans. However, every time I make the additional principal payments, I have to go back and check all of their work. We as borrowers should n't have to go back and make sure that student loan companies are actually following the rules, they should just do so. I pay my student loans through XXXX.
Consumer complaint received 2016-08-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES (DC)

On XXXX XXXX, 2016, I called the holder of my federal student loan, Great Lakes, about the possibility of a short term forbearance. I 'm relocating to XXXX in two months and wanted to forbear for three months on my payments to increase my monthly available funds for moving expenses. When I called Great Lakes, I was informed that I was not eligible for a discretionary forbearance. When I asked if there was anything that Great Lakes could do to help me for a short term basis -- my other loan provider was willing to grant me a deferment for relocation expenses and I assumed that Great Lakes would be accommodating since they say to call them for repayment assistance -- I was informed that I could either pay my student loan with a credit card or not pay on my loans. I was told that nonpayment was an option because default would not trigger until 365 days and that there would little, if any, consequences arising therefrom. As a XXXX, I know that this statement was a misrepresentation on many fronts. First, Great Lakes will begin assessing fees on my account the minute I stop paying my account. Second, nonpayment after thirty days will be reported to the credit bureaus, which will adversely affect my credit score and my credit history. Third, nonpayment will make the entire unpaid balance of my loan and any interest due immediately and payable immediately. And fourth, my loan account could be assigned to a collection agency, which could result in wage/Social Security garnishment and further adverse effects to my credit score. The fact that a Great Lakes representative would recognize nonpayment as a legitimate " payment option '' when a customer is faced with a repayment issue is appalling. I hate to think that this is the advice that Great Lakes is giving to borrowers who need temporary assistance with repaying their student loans. Such conduct, to me, appears to be a predatory lending practice that inures in Great Lakes ' favor and not the borrowers.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I received a email from XXXX XXXX about a collection on reported on my a XXXX XXXX credit report XX/XX/2020 this was the first I even new someone was trying to collect a dept. On XX/XX/2020 I disputed threw XXXX XXXX and came back accurate. Don't know anything about this bill it from IC Systems Collections for {$460.00} stated the the original creditor is XXXX XXXX XXXX. I again Disputed the collection XX/XX/2020 this time directly threw XXXX XXXX web site. This time the results came Not Specified and changes were made. I called XXXX XXXX and they did know what that results meant. I asked them if IC Systems provided any documents proving that this is my debt and stated no. This is not my debt and want removed from my credit report.
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: GREAT LAKES (KY)

Firstly I had not been receiving any mail on making payments to my federal loans to my loan servicer Great Lakes, despite it reflecting I have selected the postal option. Then one day I receive a letter from them, ' you are {$1.00}, xxx behind on your payments, you must pay this off and continue your payment plan. You should also go into forbearance if you can not pay this. Turns out they were sending all these emails to an old email I had used for school and had not been aware of to whom and how much my monthly payments would be for my federal student loans. I replied to the email and went into forbearance this past month. Since that month that I had logged into my account and requested forbearance, I recall the unpaid principal being about {$30000.00}. I log in today to find the principal to be {$34000.00}. I understand that loans still gather interest in forbearance but this seems a little ridiculous. I did some research on other people that had Great Lakes as their servicer and found that many people experience unknown fluctuations in their principal. This makes me very unsettled when this is who I 'll need to deal with for many years in repaying my loans. I 'd like to get back on track and will be filing my taxes soon to apply for an income based repayment plan, because Great lakes is expecting me to pay about 20 % of my income. I was hoping to seek some guidance in dealing with my servicer, as well as bringing to light the issues myself and many other students are experiencing.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (KS)

My servicer, Great Lakes, will not allow me to make extra payments that pay down my principle ... instead they say that I am " paid ahead, '' meaning I have made future monthly payments of interest and principle. Is this right?
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!