davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ARVEST BANK GROUP, INC. (AR)

My debit card was used to make fraudulent ATM withdrawls and the bank issued a provisional credit in the wrong amount. I ca n't get them to fix the error. Their Fraud department says that the transaction was disputed in the correct amount ( which it was ) and that Customer Service needs to fix the credit amount. Customer service says that I have to file a new fraudulent transaction report to get the right credit amount. The Fraud department says that I ca n't file a new fraudulent transaction report because I have already disputed the transaction. My local branch says that I have to call the Fraud Department who sends me to Customer Service who sends me back to the fraud department. I just want to get my money back. The credit should have been issued more than a month ago.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

My loan application was being processed for over 2 months, I've spent time and financial resources getting this application pre-approved and it was in underwriting according to the lender. I received an email with them informing me that " Existing mortgage loan reported in forbearance within the last 24 months. A full 24 months housing payment history is required to proceed. '' They knew from the start that the mortgage had been in forbearance for 8 months during the start of the pandemic because my wife lost her job. They had known this all along. Now they have all of our personal information and negatively affected our credit score with hard inquiries. I feel like I got cheated.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (OK)

My house is currently being foreclosed on and I 'm being sued by Arvest Bank. All payments and conditions of my mortgage are current and kept up to date ( i.e. mortgage payments, insurance, hazardous insurance, state and locale tax 's ). I have all my records concerning the payments, tax 's, and insurance ( which are all current ). I have been in contact with Arvest 's attorney but to no avail. Arvest insists I 've made no payment for the last 7 months. Although, I have sent Arvest 's attorney a copy of my cancelled checks but Arvest continues to insist no payment have been made but they still continue to accept my monthly payments. My credit has been devastated by all of Arvest Bank allegations ( from high XXXX XXXX 's to low XXXX 's ). I am XXXX, living on a fixed income and currently attempting to find the money to get an attorney but it 's all so dishonest!
Consumer complaint received 2015-06-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

I am a XXXX-year-old XXXX writing to dispute CareCredit 's deceptive interest rate and credit card enrollment practices. A year ago, I signed up for a CareCredit/GE Capital Retail Bank to pay for emergency dental treatment at XXXX XXXX in XXXX XXXX. After making payments for a whole year, I am very upset to receive my latest statement dated XX/XX/XXXX, which shows that my interest rate suddenly jumped from 0 % to 26.99 %. All of the sudden, my total interest charges increased from {$0.00} to {$530.00}. As a result, my balance increased from {$1000.00} to {$1400.00}. 

Nobody at my dentist 's office ever told me when I signed up for CareCredit that the rate would suddenly increase from 0 % to 26.99 % or that the interest would accrue during a promotional period. Nobody even gave me a copy of the credit card agreement. 

As you know, the federal government has already ordered CareCredit to stop these deceptive practices, but CareCredit is still doing the same thing ( under its new name CareCredit/Synchrony Bank ) and targeting vulnerable consumers who need medical or dental care. On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered CareCredit/GE Capital Retail Bank to refund up to XXXX to consumers who were victims of deceptive credit card enrollment tactics. At doctors ' and dentists ' offices, consumers were signed up for CareCredit credit cards that they thought were interest-free, but were actually accruing interest that kicked in if the full balance was not paid at the end of a promotional period. That is exactly what happened to me, so I believe that I am entitled to a refund under the XXXX order dated XX/XX/XXXX. 

I am asking you to ( 1 ) refund these unfair interest charges immediately and ( 2 ) lower the interest rate back to 0 %. My next payment is due XX/XX/XXXX, and I am a XXXX on a limited income, so please help me. If I had known the truth about CareCredit 's deceptive practices last year, I never would have signed up for this card. In the meantime, I will submit a complaint to the XXXX ( XXXX ) also. Thank you.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IN)

For years my private student loan debt through, what was XXXX XXXX, Navient has been nothing but a floating burden in my life. I have watched my interest accumulate through time. I have XXXX loan that started as {$17000.00} and is now double because of interest and fees. I am drowning. I have XXXX loans through Navient now. I have asked repeatedly for statements and explanations of fees from start to finish and have been told they can not do that for me My parents are cosigners on XXXX loan and my parents have even asked for these said documents. Then I went into repayment in the middle of a divorce. My ex put me into default and until the divorce was over I asked what I could do to lowere my payment because I could not afford the payments on my own. I was told to forbear the XXXX XXXX times I called to figure somethign out in the mean time. I was never told about IBR each of these times. The first time I asked them abotu it and was told that was not an option for my loans. Then I paid XXXX or XXXX forbearances, I utilized all of them, and I was then approached with being able to do IBR at 1 % interest for a year. This whole time I was asking why this was not an option for me and I could not get XXXX answer. So here I am paying out {$240.00} a month in student loan debt with no statements or beginning of time documentation. So I have not clue what I am paying. I just have a monthly total and a deadline in # of months. How is this legal? They should have the original note when my loans where sold to XXXX XXXX. Also, how can a lender not provide documents per loan on how my loans got so high? This is a total scam and my life 's nightmare! Right now my loans are double what I originally took out! I am a single mom now of XXXX. I make {$12.00} and hour and have $ XXXX in student loan debt. I will never make anything more then maybe $ XXXX. the rest of my life due to life changes. This will forever be my struggle. My Government loans have gone smoothly. I file IBR every year and they will be wrote off. But I will forever have my $ XXXX private debt!!! Someone needs to do something about these scammers!
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

i have a loan servicing company NAVIENT who bought our or service for XXXX XXXX on my credit showing negative. When my loan was in good standing wiith XXXX XXXX.I am on XXXX and going back to school but to my knowledge my loan with XXXX XXXX was in forbarrance. I made my last XXXX payments with XXXX XXXX before Navient bought them. WHen I spoke to Navient that said, that issue is with XXXX XXXX not us. So I said well if you are taking over XXXX XXXX debt you taking everything with you, including any arrangements consumers had with the prior loan company. I feel that once I go back to work or any work in the future is doomed because its showing negative on my credit report.
Consumer complaint received 2016-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

Navient has sent me a letter on XXXX, XXXX, 2016 stating that they were researching my account based on the fact that my loans were taken out of deferment while I am still in school. As of XXXX XXXX, 2016 I have yet received a response from them. In addition I have checked my account and they have transfer some of my federal stafford loans and I have no idea where they are transfered to. Navient has not sent me any notification of this transfer. 

In addition after they sent me this letter that they were reviewing my account they send some of my accounts to creditors.. They are playing games with my account and its really not good.
Consumer complaint received 2015-06-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

I was give a XXXX month reduced payment plan by Navient representative of direct payment from my checking account. XXXX XXXX payments where deducted from my account when I called Navient rep to inquire why XXXX payment was not deducted I was told the original rep had made a mistake and that I needed to start making full payments I asked why I was not notified and only to be told they where sorry. I feel that because they agreed to reduced payments and deducted XXXX months of payments that not honoring the remaining XXXX months is a breach of contract and would like to know if legal action can be a course of action?
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset 10 % of my discretionary pay.. this is insanely injust considering my personal situation. I have been told by the company several times they put me in forebarance and am given the standard repayment terms but they do not work for me. If i pay per the terms they are offering i will lose my house and transportation. Please help me get someone to assist me with arranging manageable payments.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

I tried to withdraw up to {$300.00} from my Citibank IRA today on XX/XX/2017 to transfer to my Checking account today so that we could use the funds for important necessary purchases and also prevent my checking account from being overdrawn. To save time I did the transaction over the phone. Because I did the transaction on the phone Citibank is refusing to make the funds available for a whole day. While this may not be an absolute hardship today it could be if I was bedridden or in a hospital. I even went into my branch at XXXX XXXX XXXX XXXX NY and they told me they could do nothing. I would like some kind of compensation for the over hour 's worth of time I spent today and I got nothing done. Perhaps the CFPB should require banks to make funds available from retirement accounts of the same bank on an immediate basis since the bank will not do this voluntarily. I wonder if there is any federal law, rule or regulation which also caused this to happen.
Consumer complaint received 2017-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (MO)

Younomics ( University Accounting Services ), a private loan servicing company, has reported my student loan in default for over 12 months. I am XXXX and have requested a deferment from the company. The company will not state the reason why it will not defer my loan. I did not originally receive the loan from Younomics and I suppose the loan was sold them for servicing. The default is hurting my credit and ruining my chances to purchase a car, home and other essentials. The company has harassed me on several occasions with threatening phone calls and letters. I have disputed the matter with my credit report, stating I 'm in-school and should be shown as " payment deferred '' however, the company has refused to indicate why I can not receive a deferment or other deferred payment options.
Consumer complaint received 2017-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

I unfortunately have my mortgage through LoanCare LLC. We bought our home in XXXX. This company did not pay our taxes in XXXX, and we had to call multiple times to have them pay in XXXX. Well our XXXX tax statement comes out and low and behold only our XXXX taxes that were paid are in that statement. We should have a statement with both XXXX and XXXX taxes that were paid. I have reached out to them 4 times with this issue and no resolution. It has been " sitting '' with the tax department for the last month and a half and nothing has come of it. The customer service reps are rude and nasty and just through you around in circles.
Consumer complaint received 2016-02-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (VA)

I applied for a Loan Modification in XXXX XXXX with CITI Bank. In XXXX XXXX a detailed Property Evaluation was performed. Since that time, I have provided all documents requested in a timely fashion, but CITI Bank keeps " kicking the final decision '' down the road. I have letters stating my loan was approved, only to discover those letters were sent in error and the application was still in review. I 've never been given any detailed answers on what the delay is, other than " this is a long process, '' and " we are busy with many applications. '' On XXXX/XXXX/XXXX, however, when I aggressively pressed for a detailed explanation, I was sent an email that stated the Underwriters need to get a Property Evaluation performed. When I reminded them this was done months ago, and I asked what was wrong with the evaluation done in XXXX, no one replied. It is clear CITI Bank is not interested in granting the loan modification, but for some reason they do not want to tell me that. I suspect they are trying to wear me down and hope I cancel my application.
Consumer complaint received 2016-08-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

My wife has Macy 's credit card. We moved in the month of XXXX 2015 .They were sending bills to old address. And shipping goods on new address. Further more we have our home phone moved to new address. They ( macy 's ) did not bother to check statement are going to old address. They called several time on phone number regarding shipment and other matters.My wife she is not wise enough to figure out these matters, why she have not received bill from Macy 's. Macys reported late payment to credit bureau. Her credit is shot and from XXXX to moved to XXXX. She has the money in bank, only she had not received bill.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (GA)

I receive at least six calls a day from automated number XXXX. Yes I owe the money and yes I told them when I would pay it. this is an automated system and live operators. One call and I let them know I would take care of the bill it is only 2 wks past due - balance is small and will be paid by the end of month. I have asked them to quit calling me all day long and they said it 's in the computer and they ca n't change it. Enough is enough.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (IL)

For the XXXX time, I have scheduled credit card payments for a Citibank Credit card and XXXX the institution have failed to process the payments resulting in over the limit fees, late payment fees and now they are charging me an arm and leg to bring the card back to within balance. I had paid this credit card religiously over the years and now all of the sudden they are treating me like a criminal and it 's affecting my credit.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

On XXXX/XXXX/XXXX I look in to my credit report with XXXX I the XXXX report to find XXXX inquiries ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) into my credit buy : XXXX XXXX XXXX, sd XXXX XXXX I did not give them permission to do a hard inquiries into my credit.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NV)

Sometime in early XXXX XXXX, I received a letter dated XXXX/XXXX/XXXX from XXXX, XXXX XXXX XXXX ( XXXX # XXXX ) a collection company about a Costco Anywhere XXXX XXXX card with an account number ending in # XXXX. I immediately called my Costco Citicard that I use to inquire about this account ending in # XXXX but I was placed on hold several times and was given a different number to call each time as according to the representative that I spoke to that since this account is now closed I needed to speak to another department. I called for XXXX consecutive days trying clarify where the {$290.00} balance that has been transferred to a collection agency came from since this was the first time I had any knowledge that I have a balance on a credit card that I thought I had already closed early in XXXX when I closed by business. But no one can give the information and I was given a number to call to find out. But after calling the number I was given I was given the same information that another department was handling my case. Then on XXXX/XXXX/XXXX I received a statement from Citicard address to my home address with a statement address to my old business address. On this statement, it lists the amount owed past due of {$290.00}. I called immediately the number on the statement that evening but the office was closed. Today, XXXX/XXXX/XXXX, I called again after speaking with the representative for nearly an hour trying to get an information on where the charge came from I was told that the charge of {$110.00} was charged on the Costco XXXX XXXX ( which was later transferred to Citicard Visa when Costco switched from using XXXX XXXX to XXXX ) in XXXX XXXX and since then has been accumulating late charges and interests. I informed the representative that this was my very time to see a statement on this amount owed. I always pay my credit cards in full and thus have excellent credit history. I am afraid that this single transaction of {$110.00} which has grown now to {$290.00} and continues to grow from added interest and late payment penalty will put a big dent to my credit. Had I known that a credit card I no longer use since early XXXX when I closed my business had a balance, I would have paid it in full. I never received any statement in the mail regarding this charge except for the statement I received on XXXX/XXXX/XXXX. I was given instruction to fax a letter explaining my situation which I did earlier today. In that letter I explained as above that I never received any statement or notification of a delinquent account. I also stated that the {$110.00} original charge for the Costco membership renewal was likely valid since I do use Costco and I am willing to pay that amount in full but was told that the representative is not authorized to received payment unless it was in full payment of {$290.00}. I am not sure of what my right as a consumer in this situation and I am seeking the assistance of this consumer protection agency.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2015 I booked a move with a company that I discovered had fraudulently claimed to be XXXX XXXX XXXX and was instead a broker. They failed to disclose the cancellation terms but I ultimately found them and cancelled the contract within HOURS of the charge to my Citi credit card. Initially Citi credited the amount but when the company responded with fraudulent documentation ruled the charge " valid '' but never informed me. It was n't until the card was declined on XXXX/XXXX/2015 and I logged in I discovered they had reversed the credit based on the false documents but had never informed me as the consumer holder of the card. It was n't until I complained they never notified me that Citi sent partial documentation to me of their alleged " investigation '' of my dispute. On XXXX XXXX, 2015 I filed a second response to the original dispute and called Citi the next day to confirm receipt. I was assured they would resolve it before the balance reported again which did NOT happen. To date I have heard NOTHING regarding this dispute. I used their secure message feature and got a canned " we are working to resolve your dispute response '' but now Citi has reported 117 % of my balance and the dispute as resolved though consumer disagrees to the bureaus which has destroyed my credit score. All attempts at contact with Citi are not returned and the investigator assigned to the case is now out on leave from the beginning of XXXX until XXXX.
Consumer complaint received 2016-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

I am XXXX ill and sick with XXXX and XXXX. I have had fraud, ID theft, and forged documents in my name appearing before. I was able to handle it. However, currently a company called NAVIENT is claiming I took out a loan with them, consolidated it, and even made cash payments. This entire thing is a fraud and they have a forged signature. I need help resolving the issue. I will attach a statement I typed up so that you can clearly understand my circumstances and what has happened regarding NAVIENT.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My online payments to Navient take days to weeks to be processed and my account is listed as past due and reported on my credit rating as late payments. I am also paying early in the billing cycle so more of the payment is put to the principle of the loan. With it taking so long to process payments I end up paying more on the interest than principle. I have sent dozens of emails to ask to resolve this issue and have only received " we 're working on it '' messages returned. Making a phone call is useless as you are put on hold for long periods of time and never get to talk to anyone.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I called to see about lowering my payment as I am struggling to complete all student loan payments and maintain my other bills needed in order to live day to day and was told time and time again there was nothing they could do to help me with my loan not even defer.