davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-23
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NY)

I received a dispute summary report from XXXX and I see Wells Fargo closed my home Equity loan account # XXXX on XX/XX/XXXX with a XXXX balance then opened a new loan Account # XXXX under a loan type of a '' line of credit '' on XX/XX/XXXX with a balance of {$27000.00}. 
I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account. 
It 's my belief that Wells Fargo has no legal right to open a new loan in my behalf by prepackaging a previous home equity loan that should have been closed out due to the home being foreclosed on ... Additionally within the remarks it states '' foreclosure initiated, '' when in fact the foreclosure has concluded and was closed once the home was sold back in XX/XX/XXXX? 

Wells Fargo has acted unethically in the past and has been found guilty by our court system of falsely opening illegal accounts without permission or knowledge of its customers and has been ordered to reform their company 's business practices and pay a stiff penalty for their illegal actions.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

When someone goes to Wells Fargo bank with a check I wrote to them that is draw on Wells Fargo they want to charge XXXX to XXXX dollars to cash the cause they do n't have an account with them. That is nothing but a ripoff plain and simple, they are just stealing these people 's money. I would hate to think what could happen when I have had it with these type of banks. It 's time the government does something about it before I do.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

NAVIENT placed me on a payment program XXXX for my private loans. I was told my welcome letter and details will be sent via mail in three months. It 's been nine months and no welcome letter. I called customer service and was told information I never agreed to and they do n't have to send me information since it was a " verbal agreement '' over the phone. I have made payments as requested by NAVIENT and my loan amount is getting higher??? My online statement on NAVIENTS website states my monthly payement is {$330.00} and NAVIENT is withdrawing {$510.00} from my bank account each month. I tried to call customer service to get clarification. Instead I get yelled at. I am truly worried and concerned about what this company is doing. What NAVIENT is doing can not be LEGAL.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Subject : Formal Dispute Regarding Account No. XXXX To Whom It May Concern, I am writing to formally dispute the information reported on my credit report by your company, CREDIT COLLECTION SERVICES. The account in question, with the account number XXXX, was listed on my credit report provided by XXXX under report number XXXX, submitted on XX/XX/year>. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full validation and proof of the alleged debt, including any documentation that proves I have a financial obligation to your company. As of today, I have no knowledge or record of doing any business with your company, and I believe this account may have been reported in error. 

Until you provide valid proof of this debt, I request that you immediately cease any collection efforts and remove this erroneous account from my credit record. In the event that you are unable to provide adequate documentation, I expect a formal written confirmation that this account has been removed from my credit report in compliance with the FCRA. 

Please provide all supporting documentation or confirm the removal of this account within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

Navient told me they would n't extend my Administrative Forbearance in regards to my Defense to Repayment application in XXXX correspondence and then another said they would. There is no communication between Navient, FSA, DOE, or any department. It 's conflicting information.
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

After multiple attempts, I finally was able to have Fedloan Servicing accept my standing instructions for how payments in excess of the minimum should be applied. I instructed Fedloan Servicing to apply payments in excess of the minimum to the principal of the loan with the highest interest rate, in the event that XXXX or more loans had the same interest rate, the excess payment should be applied to the loan with the lower balance. Their agreement was evidenced by a message sent to me on XXXX/XXXX/2017, which stated that all payments received after XXXX/XXXX/2017 would be applied in accordance with my instructions. Subsequent to Fedloan Servicing agreeing to follow my instructions, I have sent 5 payments totaling {$2900.00}, none of which were processed in accordance with my instructions. I have tried calling Fedloan Servicing but each time I do, the representative informs me that the payment will be corrected in 2 business days. I have also tried contacting them in writing through the contact us feature on their website, but I ca n't get a response from them ( this is consistent with my experience in trying to set up the standing instructions ).
Filing a complaint here is that last option I have. I have uploaded the agreement sent to me by Fedloan Servicing and the evidence of payments being applied incorrectly.
Consumer complaint received 2016-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

In short, Myfedloan.org misrepresents the amount owed on a loan on it 's website. When looking at " payments and billing, '' the total loan balance is shown. However, this balance is not truthful- it does not include the accruing interest. So, my balance showed {$220000.00} for 6 months while I was making XXXX dollar payments every month, thinking this was covering the entirely of the accruing interest, given that the balance was not changing. However, my payments were in fact not covering all the accruing interest. Suddenly, the next month my principal jumped up {$15000.00}, because there was hidden interest accruing that just capitalized ( per the explanation of the phone representatives ). As a result, even though I paid {$18000.00} on my loan over 12 months on my loans, my principal actually went up to {$230.00}, XXXX, a net increase of {$10000.00}. This is not truth in lending.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked   XXXX   to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until    2024  and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt repo rt ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false an d damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.
Consumer complaint received 2017-03-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I have been in constant contact with CitiMortgage regarding a short sale of my home and have been working with a company that is assisting me. Following is a summary : We have direct communication with the negotiator and his name is XXXX XXXX. Previous offer was declined because it was only {$200000.00} and the Buyer cant increase the offer. The offer was terminated and we got a new cash offer from a new Buyer with {$220000.00} offer price. 


XXXX XXXX : New offer of {$220000.00} was sent to Citi Mortgage since they required this amount so that they will accept for the short sale. Offer sent together with Closing Disclosure and Buyer 's Proof of Funds. 

XXXX XXXX : He said that he didnt receive the Closing Disclosure so I sent it the same day together with the vacancy letter that he requested. 

XXXX XXXX : He said it was submitted to a closing negotiator and has 5-10 business days to review. 

XXXX XXXX : Email received from XXXX XXXX ( Liquidation Negotiator ). He asked some Buyer info and other documents which was provided the same day. 

The negotiator is out of office and will be back XXXX XXXX. If I call to the Point to Contact named XXXX XXXX, he will always refer me back to the negot ( R ) iator. He said once the file was endorsed to the negotiator he ca n't do something about it because the Negotiator will be the one who will move the file. 


XXXX XXXX : Below is the email from the negotiator : Good day! 
I appreciate your follow-up. This offer is with the investor at this time. No determination or request has been made yet. I will provide the determination to you as promptly as it is returned to me. Thank you for working with CitiMortgage. 
I follow up on this daily but they reply once every week that is why it was very slow. This was also escalated to FHA HUD via XXXX XXXX ( XXXXXXXXXXXX my information : Name : XXXX XXXX XXXX XXXX XXXX # XXXX Type of loan : FHA loan Lender : Citi Mortgage XXXX XXXX XXXX XXXX. XXXX MD XXXX Can you assist me so that the buyer will not get upset and not buy my house?
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (VA)

For the past three days I have been receiving recorded " trace location '' messages from " FMR. '' I have  XXXX  the company and it is associated with a phishing scam based on fake payday loans. I have checked my report at all  XXXX  credit bureaus and there is no collection against me from FMR, and not even any fraudulent payday loan on my record. This company has even called my mother looking for me.The calls started at about the time that my credit union notified me that my debit card would be reissued because of a security breach.
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (CA)

On   XXXX   XXXX   XXXX     a letter was sent to  Cach LLC  to validate the debt in question.   Their letter dated   XXXX   XXXX  , solely provided me with a letter and no written verification of the debt with my signature.   I am requesting that a written validation with my signature be provided or that this negative report be deleted from my credit report.   Thank you in advance for your assistance.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (RI)

In XXXX, my uncle, XXXX XXXX XXXX age XXXX, refinanced his home at the encouragement of a mortgage broker with XXXX XXXX XXXX. He died in XXXX and his widow, my aunt, XXXX XXXX, was left with the XXXX XXXX dollar mortgage. She put the house on the market and was unable to sell the house at that time because the house was valued less than the mortgage. In fact, the house was worth less than the mortgage in XXXXThe house could never have guaranteed this mortgage. My aunt continued to live alone in the house, living a life of extreme frugality and unhappiness because she was unable to sell the house anywhere near the mortgage payoff amount. Foreclosure was not an option in her mind. There were no other options available to her at that time. She paid the {$10000.00} mortgage payment monthly like a prisoner on death row until her death in XXXX of XXXX. At that time, I was advised that I was named sole heir of the property via will and trust documentation. I have been living in the house and maintaining it since I came to care for her in XXXX of XXXX when she was terminally ill. The despair she experienced from this situation affected her quality of life and contributed to her demise unquestionably. Most recently I have received a notice to vacate the property. I had been waiting for this bank to file a claim against my aunt 's estate because I was going to deny the claim. This was a predatory, fraudulent mortgage. The bank was guilty of unjust enrichment. My aunt and uncle were exemplary people and my aunt did not deserve to spend the last years of her life in anxiety and fear. All of her retirement money went to pay this fraudulent mortgage. She had about one year of money left if she did not die. I estimate that at least {$600000.00} was paid to the bank over the course of 6 years and the balance on the mortgage was still XXXX XXXX. Now XXXX XXXX with fees etc. The last time the house was appraised in XXXX for about {$500000.00}.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I took out a mortgage loan with the promise of having a low monthly payment and low interest rate as advertised. However, the monthly payment and apr were not the amount as promised but the contrary, they were monthly payments that I was not able to afford. The bank started a foreclosure action against my property in   XXXX    . I tried to do a loan modification in several occasions but the bank denied me without an in-depth explanation. I was a victim of the subprime mortgage crisis ; I am  XXXX   XXXX   XXXX  woman who wants to pay her mortgage.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aqua Finance, Inc. (TX)

The company contacted my family member, who 's phone number was never provided to them, divulging the details of the past due balance of {$180.00} on my account. This is a bill that has a monthly payment and I have asked them repeatedly not to contact me. They do not maintain accurate records on their website, which I have requested on several occasions.
Consumer complaint received 2017-05-17
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. (MD)

There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  to address this issue. The case number is :  XXXX .
Consumer complaint received 2017-05-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (SC)

I have disputed the inaccuracies of these debt from    XX/XX/XXXX   to the  present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from   XX/XX/XXXX  and t he original debt was disputed with  XXXX   XXXX  as well as the previous collection agency and removed off my credit report. The apparently resold the deb t to Calvary Portfolios LLC wh o re-aged the debt to look as if I recently purchsed the vehic le On  XX/XX/XXXX  whic h is inaccurate and falsified.
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have had a federal loan servicer, MOHELA, and I paid off XXXX XXXX, my XXXX  institution years ago. MOHELA switched to XXXX  XXXX, and NONE of my payment records over the last XXXX  years are there. Now my balance has increased significnatly - and my college loans are on there. I have heard many complaints about Mohela. I am not sure why my monthly payment is the same unless I had actually been paying XXXX before when my XXXX XXXX was intially switched to Mohela.
Consumer complaint received 2016-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (TX)

My student loan was XXXX in 2010 according to the XXXX, in response to my request because of becoming XXXX, this according to letters received from the XXXX in response to inquiries from XXXX representatives XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. In my complaint against Nelnet was included an illegal double charge against my credit. In my attempts to speak directly to Nelnet, I was assured by them that they would drop the illegal double charges off of my credit but they never have even to this day. Nelnet went as far as to request in a recorded conversation with me, asking my permission to continue contacting me via my phone and email in an obvious attempt to continue harassing me. I have spent the last XXXX or more years paying higher auto insurance rates, paying higher deposits on rentals and being refused credit cards and have been adversely affected in my quality of living because of the illegal and harassing practices of Nelnet. This company is supposedly acting as a branch of the federal government but I read online that they are the biggest scam known in this XXXX I am demanding not only to have my credit cleared as I have written the XXXX major credit bureaus of Relent 's illegal activities but Nelnet continues their claims, but I also DEMAND to be reimbursed for the loss of quality of life in this case of this great scam practiced by Nelnet. I and my wife are both XXXX Americans and we continue to suffer a loss of quality of life because of this sickening company that for some reason is still being allowed to practice " business as usual '' in this country, no doubt because of crooks who run this country.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

Dear CFPB, I have graduated from XXXX University back in XX/XX/XXXX with a student loan in the total amount of {$33000.00}. My monthly payments have started in XX/XX/XXXX in the amount ~ {$190.00} per month. This monthly payment amount was suggested to me by the lander and that is exactly what I have been paying for the last 10 years. 
Recently I have conducted an analysis of my loan to see where do I stand with my student loan balance, per Navient 's loan history, as XX/XX/XXXX, I have paid {$14000.00} so far toward the loan or in other words {$14000.00} is the total amount of payments that I have made in the last 10 years. However, I have noticed that my current balance is still at {$34000.00}. So I have decided to contact my lander, Navient, and get a clarification on this matter and hoping this is just a mistake that could be easily fixed. So I picked up the phone immediately and called Navient customer service, and to make long story short, I have been told that, if I continue making these payments FOR THE REST OF MY LIFE, I WILL NEVER PAY OFF THIS LOAN. 
What am I complaining about and what do I need as resolution to this HUGE issue : 1. I would like CFPB to publish this on consumerfinance.gov 2. I would like your help to make Navient apply my {$14000.00} towards my loan principle and not them telling me that all my payments went toward interest since this is how federal loans work Why my request should be fulfilled : 1. This loan payment term was never explained to me. And let me be VERY clear about what do I mean by clear. Back in XX/XX/XXXX, my lander did n't explain to me that if I only make $ XXXX month toward my student loan, I will never pay off my loan and it would stay the same for the rest of my life 2. I have been a great borrow, and I have made my payments in a timely manner for the last 10 years 3. I have worked hard for this money that I have paid so far and it is not fair nor right to tell me today that all of it went into interest Sincerely yours, XXXX
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (VA)

I signed an agreement in  XX/XX/XXXX  to buy a  XXXX  home (  XXXX   XXXX   XXXX   XXXX  va  XXXX  ) Lot #  XXXX . Community name is  XXXX   XXXX . At that time they told me that the house will be completed by  XX/XX/XXXX , but it is still not completed as of today. Anyways meanwhile i started working with NVR mortgage for my loan approval and this is their own mortgage company. The loan  officer  send me an loan estimate on  XX/XX/XXXX . According to that my interest rate was 3.50 %, loan amount  XXXX , and cash to close was  XXXX . Then he sends another estimate and then finally on  XX/XX/XXXX  they send me a closing disclosure, according to which my interest rate has increased to 3.875 % and closing costs to {$12000.00} and loan amount remains at  XXXX . I tried to call the loan officer  XXXX   XXXX   XXXX  several times but he never answers the phone or calls back to clarify about the increase in interest lead that ultimately lead to an increase of {$35.00} in my monthly payment. In this whole process they approved my loan two times and pulled up my credit scores  XXXX  times because of their own mistake of delaying the house construction. Recently they scheduled my closing on  XX/XX/XXXX  which they again changed to  XX/XX/XXXX  and i am still not sure about that. I am very disappointed with he whole process. No one in the entire process from the project manager, loan officer to the settlement person knows that whats going on and what will be the right dates. I have saved all my communication and documents with them and i will attach the loan estimates and disclosure with this complaint.
Consumer complaint received 2016-09-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My reports shows judgement it 's not mine I have been disputing for several months but still on XXXX credit bureau also I did offer in compromise with irs and paid settlement in my reports showing judgement from irs collection when I settled with irs I need my reports corrected asap please