davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (SC)

XXXX, my husband and I relocated to XXXX, XXXX. At that time we had our personal residence in XXXX XXXX, XXXX which needed to be sold. Previously it was rented several times and the renters ' moved out, causing a hardship of paying the mortgage. In XXXX, XXXX XXXX listed our property, XXXX XXXX XXXX, for {$190000.00}. It did not sell so we contacted Citi Mortgage for consideration of a short sale. To be approved for Short Sale we had to show a hardship of not being able to pay the mortgage. The Citi Mortgage representative, XXXX XXXX, obtained the BPO ( Brokers Price Opinion ) for {$140000.00}. The property went into pre-foreclosure at XXXX County Clerk of Courts and sold on XXXX XXXX, XXXX. During the ten day redemption period, the listing agent sent XXXX offers to the Citi Mortgage Representative, XXXX XXXX, a short sale representative. The offers were for {$110000.00} and {$110000.00}, the latter offer being increased to {$120000.00}. During this time Citi Mortgage gave me the impression they wanted to assist me in keeping my house out of foreclosure, but Citi Mortgage did not accept either offer! This dialogue is documented through emails, which will be sent in attachments available on a word document. 
I contacted Citi Mortgage regarding the above mention property and was informed the property sold on XXXX/XXXX/XXXX for the price of XXXX and the account was closed on XXXX/XXXX/XXXX. 
The National Mortgage Settlement and Independent Foreclosure Review included this property in a complaint against Citi Mortgage for their erroneous errors and mismanagement against consumers regarding various mortgage issues. On XXXX/XXXX/XXXX, I received {$1400.00} from National Mortgage Settlement, and on XXXX/XXXX/XXXX {$500.00} from Independent Foreclosure Review. These amounts do not represent the hardship I have incurred which has caused damage resulting in me having no credit worthiness. 
The reason for my complaint is that I desire to be fully compensated for damages to my financial portfolio. These acts by the mortgage company have prevented me from obtaining mortgages, low interest rates for credit cards and various loans. This hardship has denied financial possibilities to aid in obtaining credit stability to purchase a home. 
Thank you in advance for reviewing my complaint.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc. (IL)

I have called Monroe and Main and been put on hold for hours. someone needs to call me from the IT department about the issue with paying my bill. I can not pay it online. My account shows a XXXX balance and it will not recognize my account number. They have sent emails telling me how to fix it but it does not work. They are continuing to report me late without giving me a tool to pay. I will not give you my personal credit or bank info over the phone and will only pay online as I have before, their sollection practice is to lock a consumer out of the billpay system once they are late and to force them to provide bank account info over the phone. If you refuse to provide bank info to a stranger they call numerous times a day ignoring the request to unlock the online pay tool. I have requested they escalate to the compliance department but that was not done. This is the same account service for my Swiss Colony and Seventh Avenue accounts. All are late now and they are not providing an option to pay other than over the phone providing bank account info to a stranger. .My number is XXXX
Consumer complaint received 2017-01-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (FL)

I am in the process of purchasing my first home and too my surprise when I took a look at my credit for the first time in a long time I found this entry for an account that does not belong to me. I request the help of the CFPB in acquiring complete validation of this so called account currently reporting negatively on my credit. I request a copy of the contract and documentation used to validate and open this account and the identification used. This is an issue of identity theft and I require as per rights by law that this company provide me with full their full validation so that I can resolve this matter swiftly so that this fraudulent account is removed from my credit history.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: Atlanticus Services Corporation (MD)

My Fortiva credit card payment is due on the XXXX of each month. I paid my account via by bank 's bill pay feature on XXXX/XXXX/16. The bank verified that they mailed a check to Fortiva on XXXX/XXXX/16. On XXXX/XXXX/16, I received a call from Fortiva claiming that my account had not be paid and asking me to prepay for my XXXX XXXX payment. I called my bank, and they verified that payment was sent and even called Fortiva with me on the line to confirm that payment was XXXX Fortiva rep said that it may take 7 to 10 days for the payment to poast, and she would notate the account that payment was processing. Later on the XXXX/XXXX/16, I received yet another demand for payment call from Fortiva. I was told that I had to set up automatic recurring payments to ensure that my payments are processed on time because check payments do not post for 7 to 10 days even if they are received by the due date, and if the payment has n't posted, I will receive demand calls until it does. I feel that this is abusive behavior by Fortiva in an attempt to force me to set up automatic payments rather than using my bank or paying my mail. Fortiva seems to be holding onto checks and claiming that they have n't been received in an attempt to charge late fees and force consumers to give them banking account information. I was forced to make another payment to stop the phone calls, so I 've essentially paid Fortiva twice this month as my bank has already debited the original payment amount from my account.
Consumer complaint received 2016-05-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

I had about XXXX in student loan debt with navient. I recently consolidated with the federal government on all loans except XXXX private loans totaling XXXX. Since it appeared my private loans were close to repayment, my monthly payments spiked drastically and I am not able to pay them on top of my consolidated loan payments with XXXX. My loan payments went from {$80.00} to {$400.00} after I consolidated. They wo n't stretch out my repayment term. When I tried to lower my payments, they said no. When I asked for a forbearance, they refused as well. They wo n't lower the interest, they wo n't do anything AT ALL. I have nearly {$1500.00} in student loan payments each month ( this is way bigger than my paycheck ). It is impossible for me to do ANYTHING right now, and Navient will refuse to work with me in any way. This is predatory lending! They are preying on low income students and offering no assistance. I am out of ideas, next move would be to get a lawyer and fight them in court ( precedent in XXXX and XXXX shows that consumers have beaten Navient and XXXX XXXX over similar issues ).
Consumer complaint received 2016-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WA)

Though profiteering is a harsh word, it is somewhat apt- the current student loan providers are set up to maximize profits for the loan companies and not for the support of the loan holders. As I am XXXX, I am attempting to participate in the XXXX program. However the barriers set up are extensive and I am coming to the conclusion I would be better off with a home equity or XXXX loan, and greatly regret the time wasted within the program, and feel truth in lending has been violated. 
Specific complaints : 1. My loan has been moved many times. Each time I ask specifically to be sure that I am making payments that qualify for teacher loan forgiveness. I have a letter from previous lenders stating I had made XXXX payments as on XXXX XXXX, and have continued to make payments that I checked would qualify, and at the time was told they would qualify. My current provider says I have made XXXX payments as of XXXX of XXXX and will not explain further, saying previous lender were wrong and I can take it up with them. I have documentation. 
2. Each time you ask or certify for an IBR selection, it puts you automatically on 20 year standard- which does not qualify for XXXX. It does not allow you to choose, or even tell you that you are on a plan that does not qualify for XXXX. It would be easy enough to program a choice, or automatically pick a payment that is shorter vs longer, or at least indicate the consequences. You must ask to be put on 10 year. If you ask at the time of IBR, it does not matter- you are put on 20 year. This creates gaps in the payments towards PLFP 3. As your income changes, your need to reapply to IBR- see above. 
4. Loan providers trade you around- and payment changes ( 20 year! ) see above. 
5. My current provider : takes XXXX 3 months to readjust your payments to a lower term that qualifies- payments that do not count towards PLFP ( $ thrown out the window ). You must make and least XXXX if not XXXX payments on the 20 year standard before it adjust to the 10 year or IBR. There is no reason for it to take this long. I 'm even convinced communications are timed to maximize payments for the loan providers. 
6. Tracking of conversations : current system is difficult to track your conversations with provider unless you take screen shots and save them or manage to establish a conversation through your email- which is not easy to do.
Consumer complaint received 2016-11-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (KS)

I received calls from Allied Interstate ( 3rd Party Agency out of the country ) XXXX times per day regarding an outstanding debt I do owe for XXXX. On XX/XX/2016 I received a call from this company so I returned there call the next day on XX/XX/2016 at XXXX AM discussed my account with the representative advised I could not pay anything today we ended the call. At XXXX XX/XX/2016 received a call from the same company wanting to discuss my account. I advised the rep I had already talked to someone this morning on this cell phone about my account. I advised to not call my cell number XXXX more time today. As it is against the law to make contact with me 2 times in XXXX day on the same account. As of today they have not called back.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I have paid Navient Student loans for almost 20 years ( beginning in XXXX of 2009 ) and have paid nearly {$180000.00} for an original {$60000.00} student loan. For the first 10-years all of my payments were interest only but I did not know that. I was advised to get into an income-based repayment from a Navient rep but they did not ever disclose to me that the payments were not going towards my principal. Furthermore- Navient doesn't provide monthly or annual statements showing what you've paid through the years. I have to review my own personal bank statements for the past 25 years to calculate my full payments. No other operating loan company doesn't provide this information. 

Below are the entire list of my complaints against Navient : Misleading borrowers about income-driven repayment plans : Navient failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 

Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 

Harming the credit of XXXX borrowers, including severely injured veterans : Navient tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a total and permanent XXXX. 

Deceiving borrowers about XXXX requirements for cosigner release : Navient made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But Navient did not honor those representations for some borrowers. 

Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. Navient failed to deliver on all of the promised relief.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

Making payments on time, and website is not updated to show payments are being processed or applied to the loan. Loan website is indicating payment due as being XXXX. Also showing no payments being made since XXXX XXXX, 2016. This is not the case. Last payment was made on time in XXXX of 2016. Since the website indicated XXXX due in XXXX, I assumed my estranged wife made the XXXX payment ( who is also tied to this loan ). I fear that the balance due is incorrect and my credit reports are suffering as a result.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

For my XXXX XXXX credit card, the agency reported 100 % on time payments with XXXX to XX/XX/XXXX, XXXX XXXX XXXX late payment with experian, and no reporting past XX/XX/XXXX and XXXX XXXX XXXX late payment in a different month with transunion-no reporting past XXXX as well. 

There are a lot of inconsistencies and I've never even used this card, it only had a {$100.00} limit.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

When I realized my bank account had been hacked after my cell phone was stolen I reported the 1st fraudulent charge of {$1000.00} to Wells Fargo on XXXX. I was told my account had been secured but the very next day it showed an additional {$1000.00} coming out of my account from the person I just reported fraud on so I had to call back on XXXX because my account was never secured when I reported the fraud on XXXX The 2nd {$1000.00} should never have come out of my account & since it did not fully post until the XXXX it could have been stopped When they realized they had neglected to secure my account on XXXX. I've been hung up on 7 times in the last 4 months I've been trying to get Wells Fargo to return the money. In the 25 years I've banked at Wells Fargo I have never XXXX  more than {$600.00} at a time & I only make a little over {$2000.00} a month so I don't understand why this transaction was not flagged as fraud when it's 4 times the amount I've ever XXXX & I've never XXXX anything to this person in the past. 
Other than a few {$20.00} to {$40.00} garage sale purchases I pretty much only XXXX money to the same 2 or 3 people. Being a victim of theft is stressful enough but not being able to trust my bank to do what they say they'll do has doubled the stress. Plus having to drive all the way to the bank because the fraud department keeps hanging up on me has caused this to consume an excessive amount of my time. I trusted Wells Fargo with my money because I was told my money was insured against things like this but now it seems like they lied to me. Wells Fargo continuing to allow money to be pulled from my account after I reported the fraud has caused the damage to double. Please help me resolve this because it's causing a serious hardship
Consumer complaint received 2017-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

This is the second complaint I have with Ocwen Loan Servicing. Ocwen did not pay my homeowner 's insurance and therefore it was canceled. This was after numerous calls with Ocwen to get it paid. I even had a 3 way call with Ocwen and my insurance agent. I thought it was taken care of since Ocwen stated they were going to XXXX the payment. I found out it was never done and I no longer have insurance. I lost my low deductible and my low premium for being a long term client. Ocwen put forced place coverage on my account and raised my payment. I have several calls to Ocwen 's Ombudsman team and manager ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX ). They will not give me help resolving the increase in my payment due to their error or resolving the loss of insurance. I have not been able to get new insurance. I will never be able to get the same deductible or payment for homeowners. I have called several insurance companies and get the same response either I wo n't be insured or a way higher amount than what I was paying. This was not my error. I have always been current on my mortgage. This has caused me a heavy burden. I have been fighting with them for 2 years now. I need a solution of how Ocwen is going to fix their error and a resolution of how I am going to be compensated for their error. I should have have to increase my payment for their error. I should not have to be penalized for the rest of my life for the loss of insurance ( deductible and payment ). How am I being protected from a Servicer that conducts business this way? I need this complaint resolved immediately. The last complaint was just forwarded to Ocwen but never resolved. This is unacceptable.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I have made numerous attempts to contact your company in regards to an outstanding issue. Unfortunately, each time I reach out, I am told that my account can not be located in your system, despite referencing the letter I received from your company. 


The issue at hand is regarding a car that was taken from an auto repair shop without my knowledge. Since then, I have not been able to locate the vehicle or determine its current whereabouts. This has caused me great concern and distress. 


As a concerned individual and valued customer, I request that this matter be resolved promptly. The only fair resolution for me is either to settle this account or have it removed from my credit report. Your company has been unable to verify my account through your internal systems, making it difficult for me to address this issue. 


I urge you to take immediate action to resolve this matter as it has been ongoing for far too long. As a professional organization, I trust that you will handle this situation with care and concern for your customers ' well-being. 


Please do not hesitate to reach out to me with a resolution plan at your earliest convenience. Thank you for taking the time to address this matter and for valuing your customers ' satisfaction.
Consumer complaint received 2024-09-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (TN)

a collections account at JEFFERSON CAPITAL LI ( XXXX  ) that was assigned to collections on XXXX XXXX under the account number ending in ( XXXX ) with a balance of XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX report.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

I recently review my Experian report to find the same collection agency whom did not verify debt in first instance and deleted back on my report. Experian did not provide any notice of this reinsertion and did not provide notice it was deleted. The initial deletion was on XXXX XXXX, 2016 and reinserted in XXXX 2016.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MI)

XXXXWalmart - Account number : XXXX Please provide the description of the procedure of the investigation used to verify this account. Walmart discontinued business with XXXX XXXX  and partnered with Capital One. I have called each company numerous times and all three companies ( Walmart ) ( XXXX XXXX  ) and ( Capital One ) all state that they can not locate the account. I have been trying to have this verified or removed off of my credit report immediately. 
Account Number Not Found in XXXX XXXX! 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

I received a letter from you stating that the account number XXXXwas verified. PLEASE PROVIDE PROOF of Verification Methods or remove from my Credit File. If Information is verified again, please provide Creditor Contact Information as this is unfair for my account to be lost in limbo due to the merger of Walmart and Capital One. PLEASE REMOVE IMMEDIATELY