23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been having issues with Navient for at least two years. I complained to them over the phone but have never sent a written complaint. However, I gotten to the point that my last option is to ask my parents to pay my loans. 

Beginning about two years ago, I called Navient asking them to help me with my loans because I had been paying them on time and had been a good customer, but I was no longer able to make the payments. I asked for options and was given none. At the time, even lowering the monthly payments because of finances was 'not available ' be me. 

I was hoping to put my loans into forbearance, but had apparently run out of time. Something of which I thought I had at least a couple more months of but trusted that they kept better records than me since I live out of the country at the moment. 

After some time, I called back and complained and was offered a chance to lower my payments based on my income. Though, this was after several attempts to contact Navient and failing to get through. 

Something I just discovered through an article written about the government suing Navient this month is that I can get my co-signer released. This is an option that I was never given before, even when I had mentioned that I wanted to make sure my co-signer was not affected by my ability to not pay. 

Time and time again, I have not been given options when I contact Navient. Each time I feel I am informed about my rights or my status with Navient, I feel that they have backed me into a corner. 

Aside from the lack of information and the times they have blatantly not informed me of my rights, Navient 's customer service workers are rude and overbearing. I often feel I am discussing my loans with a loan shark or mobster than the people who are supposed to be there to, at the very least, advise their customers. 

Navient is not a student loan company ... they are in the business of draining students of ambition, hope, and life.
Product: Credit card

I was on XXXX on XX/XX/2015 looking for airline tickets when it popped up that my airline ticket would be {$160.00} and that if I apply for an XXXX + XXXX credit card I would instantly get {$100.00} dollars off making it {$60.00} instead. I clicked on the credit card link and it gave me XXXX options : the XXXX + XXXX credit card or the XXXX + Citi credit card. I applied for the XXXX + credit card. I have excellent credit. I was told I was approved and would get my card within 7 days in the mail. I called CitiBanks who said that did n't know why it did n't give me an instant access code but that there was nothing they could do now. I told them to cancel my credit card then but they did not and told me to call back in 48 hours and they could give it to me then. On XX/XX/2015, I called back and they told me that there was still nothing they could do and they could not give me my card number over the phone. I again asked them to cancel the card as I really did not want to wait 7 days to get the card in the mail as I was promised instant prior to applying for the credit. And they canceled it. I am reporting this because I feel that I was scammed and lied to. I would never have applied to the card if I had been told up front that it would take 7 days to get the card. I am very upset with the way I was treated. Citi banks and XXXX both were misleading. I now am 3 days delayed in buying airline tickets so I may not get as good of a selection and they will be more expensive. I am letting you know so that this type of scam can be prevented in the future. I should never have been treated this way and others should not be either. Thank you!
Product: Debt collection

This is the second time this third party company is saying i owed This much money when i dont the dates and amount is wrong
Product: Credit reporting or other personal consumer reports

There is XXXX hard inquiries on my credit report for XXXX. Its only supposed to be XXXX to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so feed up with trying to get this issue resolved 1 ) I attempted to make payments to the XXXX XXXX, which they refuse to cash. The first payment was returned to me right before I went on vacation for XXXX weeks. The other two I don't know what the status is other then my bank has cut them a check and they still haven't cashed them but reported me to the credit bureau as delinquent and credit score when from exceptional to good in one day. 
2 ) Never could get in touch with the anyone in XXXX XXXX, had to go the office manager at the XXXX XXXX XXXX, who also got the run around from XXXX  XXXX. Eventually the issue is that there was a digit missing from the account. Expressed my concerns and was told to file a dispute. I attempted to file on the website provided and the the site wouldn't accept my complaint. 
3 ) I cut a fourth check for the balance owed. 
4 ) I filed a complaint with XXXX, but have been unsuccessful to submit any supporting documentation. Called, the company and they said that it must me my cookies in my computer but try again. Which I have without success. 
5 ) I find out that I now have to establish an account with all the other credit rating services that are out there and go through that process. I attempted to got to XXXX XXXXXXXX XXXX website to file and it became very difficult and cumbersome. 

Any assistance in getting this matter cleared up would be appreciated.
Product: Student loan

Loans cover three schools : XXXX XXXX, XXXX location ( school located XXXX, Missouri XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH ( told all loans where consolidated when attending here ) I want to file a CFPB complaint against Great Lakes for my student loans for abusive practices and non-clear communication to the borrower. They have taken over all my student loans and have never been able to clearly communicate what I owe them for the past 5 years. Every phone call, letter, or text message I receive shows a different amount. I received communications that my student loan is paid off then within 2-3 months I am being told there is another student loan that I owe money on and they are sending me to collections. 
1 ) XX/XX/XXXX I arranged for them to withdrawn an agreed amount on the XX/XX/XXXXof each month. They caused overdrafts to my account by withdrawing the agreed upon amount on various days of the month and not on the agreed upon date.

2 ) In XX/XX/XXXX they chose to stop trying withdrawing the amount and applied and had a court appointed withdraw from paycheck.

3 ) In XX/XX/XXXX while they were taken out court appointed amounts every two weeks, Great Lakes filed a failure to pay for the month of XX/XX/XXXX when they received over {$500.00} that month dropping my credit score over 100 points.

4 ) After they received all their funds requested then sent paperwork stating the loan was paid. Then in XX/XX/XXXX filed another court withdraw for an additional student load that they didnt ask for before.

5 ) After receiving all of the second court appointed funds, they applied to the IRS in XX/XX/XXXXand took all of my XX/XX/XXXX refund for unpaid student loans.

6 ) At the end of XX/XX/XXXX I was sent a letter being told I owed them {$18.00} on my student loan. Then in XX/XX/XXXX that I was turned over to collections for unpaid {$98.00}.

7 ) I am now being texted that if I want to clear my loan for forgiveness to call a number and no  identification who it is contacting me. I dont know if its a scam, if its Great Lakes, if its another agency, if its the collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX XXXX Acct # XXXX  has violated my rights. XXXX  Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I was trying to make a check withdrawal XXXX {$150.00} XXXX from my papal account. The PayPal system ( once again ) won't allow me to make a check withdrawal. I have made check withdrawals many times via PayPal in the past. This is still an option on the PayPal system. No information has changed on my account. 

I had an identical problem three months ago with PayPal and I filed a complaint with CFPB. The problem was resolved when PayPal sent me a code to verify my phone. They seem obsessed with verifying phones and tracking people via their phone. They can see that I called from my phone, yet they still insist on sending me a text code. This is insane. I don't have a smart phone. 

Each time this recurring problem happens with PayPal they seem want me to " jump through another hoop '' just to withdraw my little funds.
Product: Credit reporting or other personal consumer reports

Did not send me a copy of the original contract and reporting inaccurate last date of payments on XXXX XXXX and XXXX. Used my information without my knowledge under FCRA Section 605B
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation from XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that is not abiding the law. 
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have an FHA mortgage loan with Wells Fargo. I have had a change in my financial situation due to divorce and court costs associated with divorce and have tried to get Wells Fargo to review me for mortgage relief. Instead of helping me they ignore my requests, fail to assign a designated contact and put me into foreclosure and call me constantly to tell me they will put me out on the street. Not only is this very stressful and scary, it is illegal because I have a government backed loan and I know that there are options available to help me. Wells Fargo is misrepresenting the options and denying me access to government programs designed to help me and I want to file a formal complaint. 

I have owned my home for 9 years and never had a problem making the payment on my FHA loan that is serviced by Wells Fargo. I have steady employment as a XXXX XXXXXXXX and my husband was helping to contribute financially as well. The problem began when our marriage dissolved. It was very expensive to go through divorce, not only did I lose my husband 's income I also had to come out of pocket to file court orders against him to protect myself and my children. When this happened I reached out to Wells Fargo to ask for review for mortgage assistance options such as modification, forbearance, partial claim or repayment plans. I was approved for a loan modification in 2019 with a new interest rate of 5 %. I began making the payment as agreed for the next six months, however I continued to have unexpected expenses and loss related to the divorce that was not accounted for in the original review. As a result I missed a couple of mortgage payments. Wells Fargo was unforgiving and refused to consider my current financial circumstances and immediately put me into foreclosure. I attempted to make payments but was told they would only accept a lump sum payment for all arrearages along with late fees and legal fees. If it were not for the national moratorium on evictions and foreclosure I would be out on the street right now along with my XXXX children. 

My mortgage is an FHA backed loan. I thought Wells Fargo was required to provide access to government programs designed to assist struggling homeowners. As I understand it the baseline interest rate on FHA loans is calculated by the current market rate. My current loan payment is based on an interest rate of 5 %, the current average baseline interest rate is in the 2.5 % range, basically HALF OF WHAT MY INTEREST RATE IS NOW. When I applied for a new review a few months ago Wells Fargo obstructed the process, failed to assign a single point of contact and would not even give a reason for refusing to look at my current and correct financial information. I know that there are options such as partial claim to address my delinquent payments, as well as forbearance, modification or even repayment plan. Wells Fargo also failed to provide occupied conveyance paperwork, which is required if they are trying to foreclose and throw out a homeowner with an FHA loan. Wells Fargo has a history of cutting corners and they are still doing it and need to be investigated.
Product: Vehicle loan or lease

On XX/XX/XXXX co-signed loan on car with daughter. Vehicle was financed through KIA Finance USA for a total finance of {$28000.00}. In XX/XX/XXXX, while parked, in driveway the vehicle was totaled by XXXX the insurance company that I had insurance on through at the time. Before the vehicle was totaled, there were a total of nineteen ( 19 ) payments made. Seventeen ( 17 ) payments at {$550.00} a month totaling {$9300.00}. OnXXXX ( 1 ) payment made for {$550.00} and one payment made for {$560.00}. This was what was quoted to me on XX/XX/XXXX by a worker at the customer information center at KIA motors finance USA. I did not write down her name. I also asked that same customer service rep at KIA motors finance how much did XXXX pay when the car was totaled? She answered {$14000.00}. I asked how much did the GAP insurance pay? She answered : {$6700.00}. KIA motors finance also received refund of extended warranty of {$610.00}. That comes to a total of {$32000.00}. The total amount financed according to the copy of the contract that I have says {$28000.00}. Subtracting total payments made, insurance payoff, GAP insurance payoff and the refund of the remaining warranty shows a difference of {$3700.00} positive or extra monies that KIA motors finance received. KIA Motors finance USA is still showing I owe {$1300.00} on my credit reports. I say KIA Motors Finance USA owes me the overpayment of {$3700.00}. KIA Motors Finance USA has sent to several collection agencies for the amount of {$1300.00} and it needs to be removed from my credit reports because it is showing as negative credit on my credit reports. The KIA MOTORS FINANCE ACCT IS : XXXX. The contract date was : XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX now known as KIA of XXXX XXXX , Florida .
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00}
Product: Mortgage

My mortgage was sold or transferred to another mortgage servicer by PrimeLending ( XXXX XXXX XXXX  ). I have been trying to get them to reissue a check for funds left over in my escrow account for almost 2+ years now. The original check was issued on XX/XX/year> and was not deposited within 180 days, after which it is void. Hence the need for a replacement check. I reached out to PrimeLending and was directed to XXXX ( XXXX XXXX XXXX XXXX XXXX ). With great difficulty I was able to talk to customer service reps at XXXX. I was informed twice by XXXX customer service representatives that replacement checks were issued but I have not received them. I can no longer get through to PrimeLending or XXXX customer service because the automated phone system used by XXXX does not recognize the loan number or my SSN. It's impossible to get hold of a customer service rep through their phone line at XXXX or XXXX without authenticating. It is not possible to authenticate using non-active loan info. 

This is just plain awful customer service. Their online chat also doesn't provide customer service for mortgage issues, only technical support for login issues. I can't register for an account with their online system using the loan details since the loan is no longer active with them.
Product: Money transfer, virtual currency, or money service

I made several transfers of US $ to XXXX, a US company using my PNC debit card, for the purposes of investing it into digital currency. Unbeknown to me, PNC allowed 3 % of the face value of the US $ transfer to XXXX to be debited from my checking account. The payments were described as POS international fees on my checking account statement and were debited several times between XX/XX/XXXX and XX/XX/XXXX. PNCs excuse is that the US $ payments are routed through a US $ clearing account based in the XXXX XXXX and so they were entitled to charge fees as if my debit card had been used overseas. The aggregate amount of the fees charged total around {$100.00}. 

PNC have refused to file a complaint against XXXX or XXXX correspondent bank and have told me I am only entitled to dispute the transactions. I can not consciously dispute the transactions for two reasons. 1 ). The transactions were genuine and I willingly authorized the US $ transfers to XXXX. 2 ). XXXX currently has several $ thousands of my money sitting in their account. However, I did not authorize anyone to take a 3 % processing charge for the pleasure of wiring US $ into a US $ based account held in California with a US company. 

PNC have refused to take any other action other than giving me the option to dispute the transactions ( which as explained above are valid ). They have refused to allow me to dispute the 3 % processing charge. On a call today with PNC at XXXX today, they have confirmed to me that the dispute resolution process with them is now concluded. They also refused on the call, to provide any further information about who their regulator is or any details of how I can make a complaint against PNC for refusing to help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX Date Opened : XXXX XXXXXXXX XXXX Balance : {$9900.00}
Product: Checking or savings account

On XX/XX/XXXX  we visited the Wells Fargo location in XXXX, XXXX  located at the intersection of XXXX XXXX and XXXX XXXX XXXX at approximately XXXX XXXX. The physical address is XXXX XXXX XXXX XXXX XXXX  XXXX. The reason for this visit to the bank was to simply deposit a check into my Wells Fargo checking account. The check was for the amount of {$700.00} and was issued by Wells Fargo. As the account holder, I simply requested that my check be deposited into my checking account. Unfortunately, while being assisted by an associate who identified herself as XXXX XXXX on a post it note we were discriminated against and unfairly racially profiled. We were forced to wait in the drive through for over 45 minutes as the teller advised that she was verifying the check. This is far from the standard policy as we had just witnessed a check written by the same company deposited in less than 10 minutes. When asked what the issue was we were told multiple times that they were getting approval for the check that was written/issued by their institution. I advised them that I would be filing a formal complaint and asking for an investigation into the policies, procedures, and existing practices at this Wells Fargo location where it is evident that they discriminate against members based on race. I am an XXXX XXXX XXXX and I would like a thorough investigation into this matter and the staff and management present during this shift.
Product: Credit reporting or other personal consumer reports

My credit information was included in a breach, now I dont have access to my credit report at all
Product: Mortgage

I am XXXX   years of age and retired I chose to sell my home in XXXX Pa and move to the XXXX area, specifically XXXX Pa The condo in the complex that I was interested in purchasing only permitted a select few underwriters to sell mortgages. One was US Bank After weeks of deep dive questions, I was approved for a mortgage loan at 2.75 % for 30 years. 
I sold my house in XXXX and loaded the truck with all my possessions on XX/XX/XXXX I arrive in XXXX Pa on XX/XX/XXXX scheduled to settle on XX/XX/XXXX at XXXX XXXX  At XXXX on XX/XX/XXXX I received a call from US Bank that the mortgage was not approved because they had not received information form the condominium association in a timely manner. 
My truck with all my belongings was parked in front of the condo to be, I was homeless My realtor prevailed upon the seller to let me move in and rent and the rep from US Bank said the she would cover the cost of the first month 's rent, which remains in question I have just today received notice from XXXX XXXX  that they will underwrite the mortgage but at a lesser time of 15 years and a higher rate of 3.25 % then an ARM kicks in This will cost me an extra {$200.00} per month over the original note This was clearly bait and switch banking and it should not be allowed to occur
Product: Credit reporting or other personal consumer reports

there is a credit card Apple Card reporting on my credit I never opened or or requested to have on my credit report its a fraud account I was a victim of fraud
Product: Debt collection

I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made.