davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My X wife attended the XXXX XXXX in XXXX XXXX. When we divorced we made an agreement in the divorce decree that she would pay her loans. It has been several years since the divorce. I am now remarrying and it is very hard to explain to my fiancee why I have a divorce decree stating I am free of paying the student loans, bit it still shows on my credit.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Vision Financial Corp. (MD)

A third party, vision financial, called my place of business using the name XXXX XXXX about a Credit card debt that I do not owe due to my identity being stolen three years ago. I told her that this was a government installation and that they should not contact me here again. I foolishly gave her my cell phone number thinking that would not call work again. Not so. The debt has changed hands multiple times with each new collector making multiple harassing calls. I would like this to stop.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (GA)

I have recently come to the conclusion that I have been victimized by the work from home online business scam and I would like assistance disputing the charges paid to these fraudulent companies.I am requesting all transactions with a company by the name of XXXX appearing on my bank statement as XXXX XXXX be disputed as the services purchased were not provided to me as described.I paid them in XX/XX/XXXX2015 after they contacted me by an unsolicited telemarketing phone call. I have allowed more than enough time to pass and at this point I have come to the realization that they took advantage of me.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (MI)

I no longer need my lease vehicle from US Bank and besides the fact that I have already found a person to transfer the lease to, I 'm having the hardest time to get the necessary paperwork from them to complete the process. They 've told me they would be sending the paperwork by mail or fax but weeks have passed and never received anything. At this point I just assume that they want to discourage me on doing this, and in fact they probably prefer that I terminate the lease so they can hit me with absurd fees as they commonly do with so many other costumers in the same situation. I 'll never use this institution or any dealer that offers their service again.
Consumer complaint received 2015-10-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (IL)

have fraudulant charges on my card ... .did report it on XXXX/XXXX/2015. 
XXXX/XXXX/2015 they gave us a conditional credit of $ XXXX..but..on same day they took it away ... we filed XXXX-trackers as of today XXXX/XXXX/2015 we have gotten no explanantion. 
on XXXX/XXXX/2015 letter it states that they took {$190.00} back ... but ... around XXXX/XXXX/2015 they took another {$190.00} off of account..operator confirmed that she had never saw that done..but again no answer. filed another tracker plus said it shows still pending. on XXXX/XXXX/2015 talked to another operator which stated this company has hit our account hard and again..cancelled card again..they never stopped these fraud charges ... .so far direct express was suppose to give answer within 90 days..which was XXXX 2015 and has not. so far they have taken $ XXXXx2 plus over XXXX in fraudulant charges from XXXX, just now got that info waiting for verification letters tyo come in mail.
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ULRS, Inc. (CA)

Received a letter stating I owed a debt from Credit Collection Bureau. Starting receiving phone calls regarding the same debit from United Legal Group as well. I responded to the debit collection letter from Credit Collection Bureau requesting verification, and cease and desist communication via phone. Both companies did not respond back, the information was then placed on my credit report, and United Legal Group has begun calling. Received call on XXXX/XXXX/16, told them I requested verification and a cease and desist, and the rep " XXXX '' stated I needed to fax it in as well, I requested on the phone again about verification and cease and desist calling me, and she refused stating nothing will change till I fax over the information stating " We received your letter, however you need to fax it as well ''.
Consumer complaint received 2017-04-29
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. (DE)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I have had multiple loans through XXXX/Navient since I began school in XXXX. Since then I have had issues with my finances and have asked them for help. I have always been told that my payments are based on my income and are as low as they can get, even when I was unemployed my payment amount did n't change for this reason. They suggested I do a forbearance, which I have had for a few years now, and have gained quite a bit of interest due to this. I have never gotten any assistance in trying to make my monthly payments affordable and am just now at a place financially where I can afford them, despite being out of school for several years now. I always felt they took advantage of my situation, threatening default if I could n't make payments but not offering me any options other than a forbearance. Even going as far as stating I was n't eligible for a no/low income deferment when I was unemployed. I have had nothing but issues with this company and feel like anytime I need to speak to someone I get the runaround, being transferred from XXXX person to another because each person I speak to can not help me for XXXX reason or another. I will end up now paying over {$5000.00} more than what my loan is actually for because of all the interest I have accrued during the forbearance they required me to do. I received a call last night about the lawsuit being filed against the company and would like to be considered as I feel the issues being brought up in this lawsuit are exactly what I have been dealing with the entire time I have had a loan with them.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (UT)

I have a citicard and was under the impression I set up autopay, but I did not, so I resulted in a late payment fee of {$25.00}. I have been with this company for 5 years between another credit card with Citi and have never been late. I immediately paid the 5 days past due amount and set up auto-pay, and asked if they could waive the {$25.00} as a one time courtesy ( the only late payment I have ever received ) and they said NO. I WOULD HIGHLY RECOMMEND NOT DOING BUSY WITH CITI. I have been in the credit card industry for over 15 years, and ALL credit card companies have a one time courtesy adjustment policy, except for Citi apparently.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I bought my home in XXXX XXXX XXXX  in XXXX, made payments with XXXX  11 years, never late, no problems at all at XXXX dollars monthly.. In approx XX/XX/XXXX, I began getting mortgage bills from a Mr. Cooper I knew nothing about. I called XXXX, asked what happened, was told XXXX some XXXX accounts like mine were sold to a Mr. Cooper. About XX/XX/XXXX there was a phone mail from Mr. Cooper that I needed to call asap. I called, was told then that I was in arrearage XXXX dollars in my escrow account, that this was a collection call! When I then spoke to a representative, she said I should not have received the call at all though later would receive 2 more over the months. I was told that in XX/XX/XXXX my payment would increase to XXXX monthly due to increased insurance in XXXX?. I paid XX/XX/XXXX increased amount as above. On 2 more occasions through the next months I received a collection call from Mr , Cooper. In XX/XX/XXXX when I called, I was told I now was XXXX behind {$3800.00} in my escrow account, then on the next billing I was XXXX dollars short so XXXX I had to pay XXXX dollars! The paperwork said if I don't pay the XXXX dollars by end of XXXX they would add the unpaid amount to my total amount owed on my home, just over XXXX dollars! I feel they are trying to drive me out of my home! I am on a fixed income at XXXX XXXX XXXX. I was an XXXX 35 years until I retired at which time I then got XXXX. The last 3 years I had to fight to live, am better now. I on XX/XX/XXXX did a second homestead exemption, had it filed. The Lady there told me they've had problems dealing with this Mr Cooper with others. I looked Mr. Cooper up for complaints, found there have been many in multiple states!. They have been found guilty trying to illegally drive especially elderly people into foreclosures! I asked the specialized Tax person doing my exemption on XXXX, XXXX if I should be paying so very much more from last years house payment due to increased insurance/taxations in XXXX, she shook her head no, said it should not be much more than the XXXX dollars monthly last year. I pray you can help me with this. I am doing my taxes on XX/XX/XXXX at which time the tax specialist said to bring the taxes for XXXX then to her. which I will be doing. When speaking with the staff at Mr. Cooper, it was obvious every call they did not care one bit about my concerns. I have worked so hard to buy my home alone. The tax exemption was filed on XX/XX/XXXX and filed.
Consumer complaint received 2016-05-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: U.S. BANCORP (IL)

XXXX XXXX I was talked into applying for a used car loan. 

XXXX, The assistant branch manager and XXXX XXXX XXXX, the branch manager guaranteed me that this would only be a soft hit to my credit. They told me they would do a soft hit, come back with an offer, then if I accepted that offer they would do the hard hit. I 'm trying to get my credit and everything in line to buy a house, so I did n't want my credit touched. I 've never heard of it being done this way but the XXXX girls swore up and down it will not affect my credit so I gave them my information. In the next day or two I seen they put a hard hit on my credit. I spoke to XXXX XXXX who said the policy must have changed and she can have it taken off. I filled out the form to get the hard hit taken off and was told it would be taken off within the week AND to stop worrying because they do this all the time. 

XXXX XXXX I seen the hit was still on my credit. XXXX XXXX has me fill out the same form again and said she 'll call me Friday, which did n't happen. I called her the following week and was told she 'll call me tomorrow, which did n't happen. The next week I called her again and was told I have to wait 30 days ( from the day I filled out the XXXX form ) for something to come in the mail. XXXX days later I never received anything. I spoke with XXXX XXXX who is the distract managers assistant. XXXX spoke with XXXX XXXX who said I was given the wrong form to be filled out. In order to take this hit off my credit I need to mail them a statement of what happened, my social security number, and a copy of each of my credit reports that show the hit. 

-I 've spoken to a manager of US Banks customer service and XXXX branch managers at other local locations, they all told me that they have never done soft hits and do n't know why I would have been told this. So I was lied to. How many people do they say this to but do n't check their credit so never know? 
-It 's been XXXX months and I 've had to basically chase this branch manager down to get answers. 
-US Bank already has all my info, but now I have to mail them the same info and more.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I attended XXXX XXXX and they set me up with student loans that now belong to Navient. After unsuccessfully finding a job in my field, and no thanks XXXX, I found myself in default and unable to pay my massive loans. I have finally reached a point in life where I can attempt to repay my debt. After negotiating with Navient, I have been sending payment to Navient, but it only covers the interest of my loan. My principle still looms over my head. It was the best deal they could give me I guess. Please help.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tate and Kirlin Assoc (UT)

XXXX   XXXX   {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I'm attempting to deal with Navient in terms of my student loans. At this point i wish that I would have never went to school. I got roped into the XXXX mess which then turned into the Navient mess. Navient continues harassing me with phone calls demanding payment from a defunct school where I never held a job with the garbage degree that i was handed. I have since changed careers. Navient insists that since I can not make a monthly payment of over {$1000.00} dollars that I should continue to ask for forbearance. At this time I am under forbearance while I attempt to finish school at XXXX XXXX to earn a degree in XXXX. I assumed that my loans were under forbearance until XX/XX/2018. I just received a letter via XXXX stating that my account is under litigation review? I don't make enough money to make extremely high payments, I don't know what to do? I was approved for forbearance on XX/XX/18.  Since then I have received four emails stating change in loan terms.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

I am unable to pay on my private student loans under the circumstances that I have recently separated from my spouse and now I am taking on more responsibilities as far as carrying on more bills on my own including my XXXX minor children. I was recently in the repayment program but was dropped automatically as soon as I told my loan service provider that I am unable to make any payments at the moment. They told me I have exhausted my deferment and forbearance options and they are unwilling to work with me, stating that I am still responsible for paying a minimum of over $ XXXX monthly. My loans will go into default which in turn can destroy my credit and score. I would like something to be done immediately.
Consumer complaint received 2016-12-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I am a co-signer to a private student loan from Navient. The loan was paid in full in XXXX 2016. It still shows that the account is n't paid on my credit reports. I disputed the reporting via XXXX. Navient verified that the balance is correct on my credit report. I have a letter stating that the loan is paid in full.
Consumer complaint received 2015-10-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (RI)

I have been struggling to pay over {$150000.00} in student debt to Navient which at the time I took the loans in XXXX was Navient. I believe that XXXX XXXX XXXX now Navient XXXX had my university XXXX University XXXX XXXX XXXX push private student loans as the secondary way to bridge the financial gap to pay for my education. Grants and scholarships were not promoted as much as private student loans, which I was left with the impression was the only way to pay for school. 

Since graduation XX/XX/XXXX I have had to declare bankruptcy ( student loans were not discharged ) and have had to deal with the unprofessional and mistrustful corporation for the last decade. In the last 10 years I have never been given the same information twice from customer service reps. I have been told crazy things such as, " do n't worry someone paid your loan off '' and promised low payment plans to " help '' when all they do is compound insane amounts of interest and fees. I have paid over {$50000.00} to XXXX XXXX / Navient but my loans have still ballooned from {$130000.00} to {$150000.00}, making no headway. 

Their XXXX number is outsourced to another country. The employees do not know what they are talking about and are hard to understand their broken XXXX. They charge a {$14.00} service fee to take a payment over the phone with the debt card, even though if you contact their collections department, based in the US, they do not charge a fee at all. The wait times are long and the phone system loops yous around and around. It is not uncommon to spend 45 minutes on the phone just to make a payment or resolve an issue. 

I have had payments meant for Federal loans be applied to Private loans and have had Federal loans go into 30-60 month passed due because of this. Recently, I asked for a total tally of how much I have paid them in total XX/XX/XXXX and no one can provide that info to me. I was told they do n't have that information. That 's impossible. I was told online through a customer service email that I could look it up online but when I searched the query, it said " Error - can not process ''. Deceit, lies, untrust are the words that come to mind when I think of Navient. 

No way out, no way to refinance it, struggling. Need help!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I made additional payments towards XXXX specific loan each month : I would choose the 'do not advance my payments ' option but each month when the automated debit would be drawn from my account, the monetary value towards my loans would be re-allocated across all loans and not put towards the loan that I had made an extra payment on. Hence the money was not put towards the principle of the XXXX specific loan, but spread out over interest of all the other loans. This happened every month from XX/XX/XXXX, to XX/XX/XXXX I would call every month and have it fixed, and complain that I call monthly, then it was finally fixed in XX/XX/XXXX. I worry that the additional payments, or the large payment I made before payments were required, ( prior to XX/XX/XXXX ), were allocated incorrectly. 
It was a {$10000.00} payment, so if it was done incorrectly it would help a great deal to have that looked at and fixed.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (TN)

My bank account was compromised for the second time with XXXX XXXX, sent Carmax the bank document that stated as such that caused my payment to be returned. The first time they corrected it with no problem ( correspondence attached ), the second time I get a letter stating that they can not correct the information. Not only that, I received an extension and they continued to call me and state that my account was past due. I had a XXXX and a XXXX XXXX in XXXX and when I initially called to let them know this, I was told that my request for an extension would not be approved because my loan always ran 20 days behind. I told the lady that I knw that but that it had never been 30 days late because I had to purchase an additional {$800.00} in medication per month now and that it was a struggle for me to make these payments. I then mailed hem a check in the amount of {$1100.00} and they put my car out for repossession. I called to tell them that my check had been cashed and yet my car was out for a repossession. the lady on the phone told me that it had been posted as XXXX lump sum payment and that she had to request it be broken out and credited properly. This lady did listen to me when I told her about my health situation and was kind enough to extend my payments through XX/XX/XXXX2016. This has been nothing but a headache and needless to say this is not my first car loan through car max, but it will be my LAST! 

POOR Customer Service!
Consumer complaint received 2016-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

The Florida Department XXXX is accusing me of working and collecting unemployment which is not correct. I was not employed at the time I was collecting unemployment. 

They have me as working with XXXX life insurance which is nor accurate. I am employed XXXX currently but that did not start until XXXX/XXXX/2015. 

When I collected this last payment I was not employed by anyone. This debt collection should cease immediately.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stenger & Stenger, P.C (MN)

I received a letter from Stenger & Stenger, A Professional Corporation in regards to a debt of {$690.00}. The debt do n't belong to me. I am a victim of identity theft. The account is fraudulent and unauthorized. I have been receiving harassing telephone calls and death threats.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

According to the Consumer Protection Federal Agency and the Department of Conciliation Services for Foreign Residents ( CARE ) there is a term of 5 working days to cancel a timeshare without penalization. I sent an email within the 5 days to have cancel with XXXX. This was done through a 3rd party. I have followed all suggestion since then and NO funds have been returned to me. A representative from the company spoke to me and an executive at CitiBank about the refund and was supposed to get back with us after the last conversation that was over a week ago and although CitiBank was unable to get back in touch with said company I am still held responsible for this bill although I have not been able to get any of the services that they promised without making additional payments even when the contract states that the service is a " free '' service.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have tried to complete a loan modification through CitiMortgage Inc., but they refuse to forward my loan documents to the investor. CitiMortgage is the servicer, XXXX XXXX is the master service, and XXXX XXXX is the investor. When I submit a loan modification my paperwork is sent only to XXXX XXXX and my loan modification is not being reviewed appropriately.