davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TN)

On a {$1500.00} loan that originated in XX/XX/XXXX, I have made the following payments : {$320.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$380.00} on XX/XX/XXXX and {$180.00} onXX/XX/XXXX. 
There is a payment due XX/XX/XXXX for XXXX. All of these payment have totaled {$1500.00} not including the XX/XX/XXXX payments made on this account. Needless to say, this has put me in serious financial distress. My bank account is constantly overdrawn, and I have been unable to make a payment on my state and county taxes which are seriously delinquent. I need some kind of consideration on this loan. I do n't know how many more payments I owe or what those payment amounts will be.
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

My mortgage was with XXXX XXXX. After signing, they notified me that they put the wrong insurance company on the paperwork and made me resign things. Then they sold it to Roundpoint XXXX. They immediately tried to raise my monthly payments because they said they had paperwork with the higher insurance price. I called XXXX and they supposively fixed it. 

Then in XXXXXXXX 2017, I get notification from Roundpoint that they were selling my mortgage. But after they decided to sell it, they did an escrow analysis and decided my payment should be increaed from {$1400.00} to {$1500.00}. When I contacted the new mortgage company, they told me that apparently Roundpoint was paying two different insurance companies ( incorrectly ) and that extra {$1200.00} was them mistakingly paying the new insurance. 

When they did their escrow analysis, they failed to notice they were paying two different insurance comanies. Instead they noticed a shortage for the year of {$1200.00} and decided that I should make it up PLUS increase my payment to cover it for the next year. So they raised my mortgage by {$200.00} knowing they were selling it and the new payment would be to the new company. 

However, because they sold it, they new company is unable to do an escrow analysis for 60 days and expected me to pay the extra money until they could. Thankfully, I asked my issue to be escalated and XXXX XXXX was willing to figure this all out.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

I travel a lot for business and Synchrony had my accounts on hold for quite some time so I placed my accounts on ACH since I could not access the website. I submitted some documents they needed and never received anything back regarding my status. After returning to the country recently, I had over 500 missed calls from and collection company regarding my Walmart and XXXX account. It looks like these 2 accounts were not successfully added to ACH and I have no idea why not. Since, they have been turned over to collection. After reviewing my balance for both accounts, these balance are incorrect. This XXXX card has an unbelievable amount of fraudulent charges and the collection bureau is reporting this XXXX. This account needs be turned back over to XXXX so the fraud department can correct this. Now the Walmart account. I placed a fraud dispute with this bank months and months ago, and just received a letter in XX/XX/XXXXstating my case was denied due to whatever was fraudulently purchased mailed to my address. For one, the person who stole my wallet had every piece of my information, so I had to get a new idea and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. The other day my neighbor brought a package to my home that had been delivered their home in error. She said she 's been holding it since XX/XX/XXXXor XX/XX/XXXX, because I 'm never home when she come by. This looks like something that was purchased from Walmart and the timeline adds up to when my card was lost. This Walmart case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors. Another Synchrony account that I can not get fixed is my XXXX. Back in XX/XX/XXXXor XXXX, XXXX was taking care of a fraud claim and was suppose to re-generate a new statement that I could actually pay the balance on. It took them 2 months to get this taken care of and STILL reported 60 days past due on my credit report. This was suppose to be taken care of and removed. Also, I paid the balance in full minus the late fees back in XX/XX/XXXXsometime. The supervisor I spoke to never waived the late fee as promised that which would have placed my account at a {$0.00} status. Since then it has been racking late fee after late fee after late fee. This account was placed on hold, and customer service can not do anything to fix it or either they would take care of the balance.
Consumer complaint received 2018-01-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX I emailed the CEO of Navient XXXX XXXX explaining that I have two student loans that were opened through US Department of Education/Stafford Loans that came out of deferment XX/XX/XXXX totaling {$17000.00}. A representative by the name of XXXX called me from Navient and advised me that she 'd be reviewing my account on XXXX XXXX XXXX behalf. Since speaking with XXXX, my account balanced has actually increased to the tune of {$18000.00} with a 7 % interest rate as of today XX/XX/XXXX. I have a total of 15 late payments that are showing up on my credit report based on XXXX XXXX  Student repayments options that have never been verified through Navient. I also, asked XXXX about loan forgiveness or a better repayment option and she replied that the type of loan I have is not " eligible '' for loan forgiveness or a different repayment option. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the repayment options to keep the loan in deferment/forbearance. My loan repayment plan will be affective until the year of XX/XX/XXXX at that time I will be XXXX years of age.
Consumer complaint received 2018-01-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Navient Solutions, LLC. (MD)

I do n't know who this is they called my XXXX year old mom, made her very upset called my brother called my two sisters and called my cousin and my in laws saying he is looking for me but upsetting my entire family. Never once sent any correspondence to me. A place of business usually sends mailing and correspondence in the mail not calling ones entire family upsetting them. This is harassment NOT business. If you are trying to reach me mail me something.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Case # XXXX On XX/XX/XXXX at XXXX XXXX XXXX an amount of {$25000.00} was wired to Coinbase , Inc . 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Country United States As requested by coinbase the following has been verified and to their standard : ( 1 ) Identification ( ID ) has been verified ( 2 ) Incoming wire is in the matching legal name for the wire transfer ( 3 ) Unique reference code is included with the wire transfer for fund identification It is now XX/XX/XXXX and there is no balance on the coinbase account or a return of funds. 

I have received ONLY one line of communication since XX/XX/XXXX from support which is 10 Business days after the wire took place on XX/XX/XXXX from XXXXXXXXXXXX " Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience '' I have tried communicating with coinbase through their support team via ( 1 ) XXXX, ( 2 ) XXXX, and ( 3 ) XXXX.

( 4 ) Have tried calling the help center XXXX ( 5 ) Requested and submitted a form escalation ( 6 ) Sent multiple emails with minimal communication I do n't think its right for coinbase to tie up funds like this. There are numerous other cases like this where people have their funds tied up for weeks with no direct communication. People deserve to know whats happened with their hard earned money. 

I understand coinbase has an overload of customers but if you ca n't handle sensitive matters like this in a timely manner, then please do n't take on new customers and set up infrastructure to handle the large influx. 

All I 'm asking is to be considerate of everyone that choose to do business with coinbase. Thank you.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). XXXX sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the XXXX accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received a settlement offer from Portfolio Recovery stating they will settle my account after I make a payment of {$130.00}, which will then reflect as a " Settled in Full, '' however, it is reporting a balance of {$320.00} and showing as an open collection on all 3 credit bureaus. I did contact them today X/XX/18 regarding this and the representative said it could take 10-21 days to reflect the payment but that the balance will still show and it will remain as an open collection on all 3 reports. This collection needs to reflect closed and paid in full.
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (PA)

I filed an dispute with XXXX on XXXXX-2017. XXXX, XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

filed an dispute with XXXX XXXX XXXX on. XXXX XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and TRANSUNION ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, TRANSUNION and XXXX.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-01-13
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: Experian Information Solutions Inc. (TN)

On XXXX/XXXX/XXXX I was a victim of identity theft. I filed a police report and after a few weeks the detective that was handling my case found the person who did it and arrested them. I disputed several items by certified mail that remain due to this incident and sent it to Experian. When I received the dispute investigation results I saw that none of the Items were removed. I repeated this process for over a Year with still no results. So on XXXX/XXXX/XXXX I called Experian and asked what did they need from me to get these things off. I was told that I could send in the police report and so i did and I even had my dispute letter notarized as well as sent a copy of the letter that the District Attorney General mailed me as proof of me being a victim and the person that was arrested in connection with my case. Yet these items still remain.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank XXXX XXXX XXXX ONLINE APPLICATION on XXXX/XXXX/XXXX ; per email response additional information would be requested or additional review was to be completed within 30 days. 

Never received letter of denial or additional review from Chase. 

I called Chase today and after 30 minutes on the phone, I was told that the application based on the fact that no card was issued. They are able to provide additional information since it was already archived. 

I want Chase to reverse the credit report ding since they not meet the timely communication and/or approved my application.
Consumer complaint received 2018-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

On XX/XX/XXXX I contacted Commonwealth Financial and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to XX/XX/XXXX. XXXX then conference called XXXX at Commonwealth Financial and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called Commonwealth Financial back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client XXXX XXXX XXXX. After receiving this information the last 3 times I called Commonwealth Financial without any update on the status of the investigation I decided to call the original client XXXX XXXX XXXX to check on the status of this investigation. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

My personal information on the LexisNexis report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois state motor vehicle. I need my information on the LexisNexis report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois, my driving record.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We originally fell behind on our mortgage when my husband had an accident and was unable to work due to a XXXX XXXX. We tried to get a modification and was unapproved. In XXXX XXXX they put us on a payment plan and told us to put {$10000.00} down and make payments of {$2500.00} a month for ten months ... We were now behind {$20000.00}. When we first started trying to get modified we were only behind {$6000.00} which was XXXX XXXX. We kept getting the run around with no answer until XXXX XXXX when we got a reply that that modification program had ended in XXXX XXXX. We started the payment plan with {$10000.00} down and made the payments on time and even paid more than was due. Hurricane came and Ocwen contacted me and told me due to the disaster I was eligible for the disaster plan which would give me three months no payments but I could still pay something on the loan if I had it. A month later I tried to make a payment and was told that I could not. When I asked why they said I defaulted on the payment plan. I told them that they put me on the disaster plan. They said that I did not qualify for the disaster plan after they submitted it. I asked why did no one contact me to let me know and they just apologized and said nothing could be done. I was then told they can put me on another repayment plan in order for me to keep my home. This time I needed to put {$8000.00} down on XXXX the XXXX and make a payment in the amount of {$3500.00} on XXXX XXXX. I told them that I can not afford those types of payments but they said that was the only option. I took a loan out on my car and paid the {$8000.00} but I cant afford {$3500.00} a month. My regular mortgage payment is {$1600.00} a month which I can pay with no problem. I asked them if they could take the {$10000.00} that I am behind and roll it into my mortgage as I have over {$60000.00} in equity andI was told no.
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

I contacted Tidewater in response to a billing statement dated XX/XX/XXXX. The statement indicates a past due payment of XXXX, and a payment of XXXX due XX/XX/XXXX. The total due is XXXX I contacted Tidewater in XXXX to process a payment deferral. The deferral was approved bringing the account current after I was required to pay XXXX in interest to obtain the deferral. I was advised my next payment would be dueXX/XX/XXXX for XXXX and the account is current. Tidewater now claims that there were 2 returned payments on my account from XX/XX/XXXX and XX/XX/XXXX. As a result NSF fees of XXXX each were added to my bill as well as two XXXX payment convenience fees. My bank records do not reflect payments returned. Further, my XX/XX/XXXXand XXXX bills make no mention of these returned payments. 

Tidewater violated the FDCPA by adding these alleged NSFs to my bill AFTER I agreed to a deferrment and paid XXXX in interest. Tidewaters business practices clearly are intended to take advantage of a consumer who is simply trying to work with them and bring the account current. Further in recorded calls, their agents can be heard advising me that the billing statements are wrong and the account is current. They only changed their position on this matter after I pressured the associate and questioned the legitimacy of their statements. 
Tidewater has demonstrated they intend to " bait and switch '' theit customers in instances like this while charging fees to make further profit off of consumers who have fallen on hard times.