davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: EAST WEST BANK (CA)

The Lender - East West Bank, XXXX. and its management XXXX XXXX and XXXX XXXX retaliated against me for filing a complaint of discrimination on my mortgage loan account last year and filing an civil action thereafter. In XXXX XXXX and continuing to-date the company and persons shown above assisted by ex-boyfriend XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX in having my XXXX ( XXXX ) year-old daughter XXXX XXXX XXXX from my home and placing her in XXXX with the XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. Upon completion of the XXXX they caused the related court attorneys and Judge to transfer the custody of my daughter to XXXX XXXX. As a result of their actions me and my daughter have been severely harmed as we are not alienated from each other and she can not come home to me. They also limited our visits to see other. From what I know now, the Bank/mortgage lender and its management may have caused my ex-boyfriend and other persons/tenants to target me as they all know each other and the property is now owned by them along with the bank management or associates of the same. The property amounted to more than {$5.00} XXXX dollars. Additionally, me and my mother have been physically harmed as a result of their intrusion even though the police authorities have failed to investigate the matter and mislabeled it as me " having an XXXX '' along with my ex 's attorney XXXX XXXX. It appears that there has been an increased trend in this method of attack on the debtor 's family to steer them from continuing to handle the mortgage payments/prosecute wrongful foreclosure. Additionally, it appears that persons hired by them have caused for the taking of financial records to examine the financial ability of the clients to overcome the foreclosure and allegations of mortgage lates. Finally, XXXX property located at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX was foreclosed upon and I was wrongfully charged with a {$4000.00} appraisal and other charges of more than {$10000.00} without warrant, and management was associated with the buyer who cancelled escrow leading to the property foreclosure. Finally, the bank 's management caused for an intepleader action to be filed so I would still incur attorney fees from the proceeds of the foreclosure sale. To-date the funds left at their disposal even after XXXX XXXX XXXX XXXX or more months following the foreclosure.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (NY)

I have previously submitted a report on XXXX XXXX and XXXX, now I would like to submit my complaint with SallieMae. 

I have XXXX SallieMae loans, XXXX being 7.2 % interest equaling {$7300.00} and the other being 3.5 % interest equaling {$6000.00} ( I believe 3.5 % is the lowest on any of my private student loans so only XXXX of them is feasible ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of XXXX 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (HI)

I constantly receive recorded phone calls from a company named Municipal Services Bureau, OR GILA GROUP XXXX. 
They will never send me any documentation regarding what ever the issue is. They always try to contact personal info over the phone. 
They call me 10 Times a Day. I am going insane from this process. 
Can you please assist me with this matter or direct me to anyone whom may The phone number to GILA GROUP XXXX Kind Regards XXXX XXXX XXXX, Hi
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (AS)

My son supposedly has XXXX private loans with the Navient. XXXX of them is being paid via my checking account every monthly. XXXX of them is in default, and Navient calls my house at least 3 times a day, my husband 's cell phone at least once a day, and my son 's present employer leaving messages for him to call. They will not provide proof of the Loan. They say we took out a private loan and that {$27000.00} plus was issued to my son on XX/XX/XXXX. We simply asked for a copy of the Promissory Note along with the endorsed check because we do n't feel that this money is owed. We have asked for a complete reconciliation of all debts owed so that we can look at options on our end for consolidation. Each time someone calls, its a different person, about a different account, no reconciliation forthcoming as that is always someone 's else 's department, and no proof as requested. I have written numerous letters on behalf of my son. My son and I have called Navient on many occasions in an attempt to settle this matter, and we yet have any resolve whatsoever. I need a total amount owed for everything, Private, Federal, subsidized and unsubsidized. A settlement offer, if you will, so that we can make these people go away. Right now, all they want is {$80000.00} paid by XX/XX/XXXX or they are going to turn this over to another source of collection. We are not allowed to check but one box in each of your categories in this form, however, if I could, I would be checking everything! NAVIENT is horrible.
Consumer complaint received 2017-03-09
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP (NJ)

Man by the name of " XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through Key Bank NA. He used tactics such as illegally trying to persuade me that he was speaking to Key Bank as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.
Consumer complaint received 2016-02-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SCA Collections, Inc. (NC)

I have never been contacted by SCA COLLECTIONS. However, they appear on my credit and I do n't owe them. I have never been contacted nor has this unknown account been validated. I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: KEYCORP (CA)

I am a co-signer on a loan with XXXX which is serviced by Great Lakes. I was contacted by XXXX as the primary borrower is 140 days past due with payments. I requested an accounting in writing from XXXX XXXX XXXX and was informed that they do not provide statements of debt. I called Great Lakes to confirm the financial information regarding the amount past due that I was given by XXXX XXXX XXXX. They told me the past due dollar amount. I requested a statement of the debt owing from Great Lakes and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that XXXX XXXX XXXX and Great Lakes gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

I tried to work with Citimortgage to resolve an issue resulting from a second mortgage that they took foreclosure action on in XXXX. The timing of this action falls under the Cease and Desist order as well as the Consent Judgment filed against them and other lenders, in or around XXXX by the US Government. According to the Order and Judgment, Citimortgage is obligated to work directly with me if I have an issue with their third-party agent, in this case XXXX XXXX XXXX, a law firm. After speaking with Citimortgage representatives several times during XXXX, they told me that the third party refuses to release the file back to them and they can not do anything about it. However, they are under order to bring back files from third parties if consumers are having issues with them, which I am having. In addition, my original issue needs to be resolved directly with Citimortgage. That issue is I should have been offered remedies under the Order and Judgment but was denied access to these remedies by the third party. Please see attached documents regarding the fake mediation and judgment the third party coerced me into and their continued unfair actions against me in light of the Order and Judgment.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MI)

I paid my account balance off in mid XXXX per the statement. On XXXX I received a bill for {$6.00}. I called Citi and spoke to a rep who stated it was residual interest. I asked for it to be waived considering a made a substantial payment of over $ XXXX, had been a customer for over 4 years and was in good standing. The rep passed me to an Account Manager where I was told it 's a valid charge and there is nothing she can do about it. I said this happened once before on a different Citi card and the residual interest was waived. The XXXX stated it should n't have been waived and I have to pay it. I asked if they were willing to lose a customer over {$6.00} and was told sorry if that 's your decision but it 's a valid charge. I expressed my dissatisfaction and could n't believe how I was being treated and closed my account. I paid the {$6.00} and will never open or use Citi in any capacity moving forward.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX/Synchrony Bank Letter of complaint Enclosures : 1. Synchrony Bank Statements, Closing : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX. 
2. XXXX XXXX Invoice dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX # XXXX XXXX & XXXX XXXX. 
3. Synchrony Bank, Fraud Solutions Department Letter, Dated XXXX/XXXX/XXXX. 

To whom it may Concern : In XXXX of XXXX I received a statement from XXXX/Synchrony Bank with a statement close date of XXXX/XXXX/XXXX ; however this account had been closed since XXXX XXXX, and paid off in full. 

I contacted Synchrony Bank and they confirmed that the account was closed and no payment was due. 

However on XXXX/XXXX/XXXX, I received a letter from Synchrony Bank, Fraud Solutions Department stating that the amounts are due and there is an outstanding balance on my account ( see attachment # XXXX ). 

I have attached and reviewed all purchases invoices and bank statements regarding these transactions which total {$3700.00} dollars ( USD ) ; which was the amount agree to and paid. 

After my conversation with Synchrony Bank, Fraud Solutions Department ( P.O.C. XXXX ), I believe I 'm being charged some six month later for some free / Promotional art work that I received ( see attached statement XXXX/XXXX/XXXX ). Because the amount on the invoice of {$3700.00} and the amount billed of {$3700.00} are the same amounts that I paid ; the free art are shown as XXXX in the invoice price column ( XXXX, XXXX, XXXX, XXXX, & XXXX ). 

I did n't authorize these charges on an account that had been paid in full and closed for SIX ( 6 ) Months ; and if XXXX XXXX would like its free art work back I would be more than happy to send it back to them. 

However Synchrony Bank had no authority to accept a charge to an account that had been closed for six months, and I believe their action is outside the scope of a banking institution. 

I want this account zeroed XXXX XXXX XXXX out and closed, and if XXXX XXXX would like its free art work returned they can contact me and we can make arrangements for that to happen ; however that is not the business of thee banks ... and this account should have never been charged.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2014 I received a letter stating to settle my account with Citibank so I contacted them on XXXX XXXX, 2014 to settle my account for the amount in the settlement. The agent I talked with talked in circles and offered me a deal to pay {$88.00} short and she would lower my payment. I wanted to just get from under this debt, since my alimony money was n't being paid to help me out financially. They took the {$4000.00} leaving me to be responsible for the rest of the debt. I contacted Citibank on XXXX XXXX, 2014 and explained what happened to see if I could pay the additional {$88.00} to clear this debt and they said no because I declined to settle the debt. I contacted Citibank again on XXXX XXXX, 2014 and talked to the risk department and was told again they could not honor this settlement and now I 'm being sent letters stating I owe over {$5000.00} again!
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Last year citibank offered a promotion for XXXX thank you points to open a citigold checking account. I understand it was a targeted offer and chatted with a representative before opening an account to verify that I was eligible. Upon verification, I opened up an account and received confirmation of the promo code via secure message ( attached ). When I completed the requirements for the promo bonus, I sent another message to confirm and was told to wait until 90 days after statement closed in XX/XX/XXXX. XX/XX/XXXX, i sent Citi another message inquiring about the status, since its been 90 days and no points were deposited into my account, and was informed that I was not eligible even though I had previous communication stating I was.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (NY)

CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX charge.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WI)

We were debited earned cash back rewards from Citi Visa. The credits were earned with purchases on their card. We had a refund returned on the Citi Visa for a purchase that was made on XXXX XXXX. Both cards were issued through Costco. We received a {$12.00} reward from the XXXX purchase but deducted {$74.00} in cash back rewards from Citi on the refund. They should have only deducted {$12.00}. We made two calls to them to correct the error and they refused stating it was an automated process. It is our position that this was a fraudulent transaction on their part. We earned the cash back credits per the terms of their card agreement and Citi wrongfully deducted the earned cash of {$62.00}.
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NV)

My friend sent me a payment of {$900.00} from his XXXX XXXX XXXX Acct. to my Citibank acct. The money was wired from his personal checking acct. to my custom credit line acct. by mistake. My friend sent another payment of {$900.00} to the same acct. before we realized it had gone to my custom credit line account. Citibank told me that no money had been received at all and that is why he resent money. I would rather it have gone to my checking account. Citibank did not notify me of this and took it upon themselves to send the XXXX payments of {$900.00} each back to XXXX XXXX XXXX. My friend did not get any of the XXXX payments back and filed a case against XXXX XXXX XXXX. They sent him a letter and refunded him XXXX payment of {$900.00} but not both. Each bank says the other bank is responsible and I 've been fighting with them both for over 6 months now.
Consumer complaint received 2016-01-09
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Remit Corporation (MO)

My relative XXXX XXXX used my info to obtain XXXX loans while I was incarcerated. {$360.00} from Remit Corp on XXXX and another {$1400.00} from XXXX XXXX XXXX. On XXXX XXXX all Mo. Doc records will verify I was in prison from XXXX until XXXX, 2015 I ca n't get any help.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

This request for assistance from the CFPB and JP Morgan Chase is being submitted based upon the fact pattern presented, in pertinent part, below. 

In XX/XX/XXXX, I received a mail solicitation from JP Morgan Chase 's Slate branded credit card program ( hereinafter, " Slate '' ) to apply for their credit card. The solicitation offered several strong inducements to apply for the card, including the transfer of existing credit balances at other companies with a 0 % interest rate for 15 months. 

Upon receipt of my application in XXXX, XXXX ran my credit background and approved the card. On XX/XX/XXXX, XXXX provided an email notification that the " new card was on the way. '' Indeed, it was received shortly thereafter. XXXX also offered to increase the credit balance, based upon my good credit history. In reliance upon their offer, I transferred balances that I held at other companies to the card, which I understood included a percentage fee surcharge for the transfer. 

In XX/XX/XXXX, without provocation, I received a letter from the XXXX program that they would be cancelling the card in XX/XX/XXXX. No reason was provided, other than " reputational risk. '' Representatives from XXXX could give no further information, but did indicate that such letters are sometimes issued when there is rapid credit utilization on a card. 

However, XXXX of the prime reasons for obtaining the card was in fact *precisely* to utilize the credit in order to apply the favorable rate of financing advertised. It now seems that because I utilized this offer as advertised, the offer and the card are being cancelled. 

Curiously, I received another email ( dated XX/XX/XXXX ) indicating that my " ... enhanced Chase XXXX card is on the way ... '' The revocation of the card seems arbitrary, unwarranted, and creates hardships as a sizable balance must now be once again transferred -- likely back to the original institution. Moreover, the actions have the potential to create material harm in the form of " unnecessary '' transactions in my credit report ( performing the initial credit check, increasing the balance, and then cancelling the card within a short time frame, with no exhibition of inability to pay, or defaults of any kind ). 

XXXX 

I respectfully submit this request for review and assistance in investigating the matter further. 

Very Truly Yours
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NM)

I have just found out that the company that has my student loans is being sued by several states and your agency as well. My loans are held by Navient. I have the same complaint as others have voiced about not having been given any information about income based payments. Instead I have have been steered by Navient to delay payment with deferments which incurred huge amounts of interest. My loan now is over XXXX. Can I join in this lawsuit? What are my legal options?
Consumer complaint received 2017-01-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (GA)

The vehicle financed with Exeter Finance Corp couple of years ago was voluntarily returned to the bank after discovering the car was sold overprice and with interests increasing on a daily basis. When decided to return the vehicle the bank never provided with additional information of the whereabouts of the vehicle ( i.e. they sell it in an auction, etc. ). After a couple of months, I started receiving calls from multiple collecting agencies which all estimated a different amount to pay off the loan finally. When contacted the collecting agencies they disclaimed not longer being in possession of the account, disclosing Exeter Finance Corp should be contacted for further information. The issue is that every single collector presented a different amount, including the bank.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (GA)

I started looking in to buying a house last year, pulled my credit, found this Stellar Rec on there, called, payed them, and it did n't get removed from my credit report, it was pain in full XXXX. Please help me get it deleted.