davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TN)

In XX/XX/2014 I had a company call me repeatedly to consolidate my loans. I was told that it would be in my best interest and that all loans would then be placed in an IBR repayment plan. After I consolidated and my loans they became serviced or managed through XXXX. XXXX placed me in the IBR program and I also enrolled in the ten year Public Service Forgiveness Program. A year or so went by with my payments manageable in the IBR program when XXXX contacted me and said that I could no longer be in the IBR program because my consolidation included a small Parent Plus loan. I have learned that XXXX did not catch the Parent Plus loan early and that they should have, but failed to see it. Each company that I worked with while consolidating had visual access to the list of loans that I have, but failed to be thorough and that inability or fault has caused me years of financial problems. I have {$170000.00} worth of students loans and much of this is due to interest that keeps growing. XXXX told me last week that I was scammed by a company that got paid for my consolidation in XX/XX/2014, and that this company did not follow the Federal guidelines that would help me repay my loans. I can not pay XXXX  {$500.00} per month and the repayment of my loans are at a standstill, in a three month deferment only, with no answers of how to resolve this problem that I did not cause. XXXX never told me about the reality of a scam until recently. I do believe that they have known for years of this scam, but instead have pressured me repeatedly to just comply and make the payments. The last person at XXXX that I spoke with was professional, but many have actually yelled at me and belittled me for complaint and asking questions. Please help. Thank you.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX This account has never been late and the balance that you are reporting is incorrect. *please see attached documents that payments have been made on time and the balance is incorrect.
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

In XX/XX/2018, my {$650.00} student loan payment was spread across the seven loans I hold with Navient in the following way : XXXX Direct Loan {$41.00} XXXX Direct Loan {$45.00} XXXX Direct Loan {$46.00} XXXX Direct Loan {$55.00} XXXX Direct Loan {$59.00} XXXX Direct Loan {$150.00} XXXX Direct Loan {$250.00} During the months of XXXX  and XXXX, my payment was distributed in this way : XXXX   Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX   Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$650.00} As of XX/XX/2018 I had accrued {$460.00} of unpaid interest. As per federal law, loan servicer companies are required to apply all payments in the following manner : first to outstanding fees, second to accrued interest, and finally to the principal balance. For the past two months Navient has been negligent in following this federal requirement. At no time did I request a change be made to how my payments are applied. It should be noted, though, that in XX/XX/XXXX I did do research about how to apply for income based repayment schedules with Navient 's loan repayment too. I am not sure that these are related, but wanted to disclose this activity in the event that it was misconstrued as a desire to change my payment allocations. I emailed the company about this situation and did a follow up phone call when my email was not answered correctly. When I called, the person on the phone told me initially that the payments had been disbursed appropriately. When I told her that this was not reflected on my end, she looked again and let me know that I was correct. She said that the reason these payments had gone solely towards loan 11 because I was ahead of schedule on payment and that the payments for XX/XX/XXXX and XX/XX/XXXX were over payments and that was why they were disbursed as such. I asked her why the payment application had changed and she could not give me a definitive answer on how the payment allocations had changed or why they had changed. She was able to change the allocations back to how they were before and gave me a date as to when my past payments would be reapplied properly ( XX/XX/2018 ). As I continued to ask about why the allocations were changed, I was disconnected from the person from Navient and my call was forwarded to a survey about my experience.I 'm not sure if this was accidental or on purpose. XX/XX/XXXX has come and gone and these payments have not been reapplied, and the record of those payment allocations have disappeared from my online account. I received only a message from Navient confirming the amount of money I still owe them.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (TN)

opened savings XXXX XXXX XXXX un suntrust bank have checking acct to with direct deposit XXXX I set up acct for XXXX $ month from XXXX XXXX go in had bank move XXXX $ in that acct savings and setup overdraft protection the XXXX $ was deposited in savings then majically it next day XXXX deposit to savings disappeared whether this is computer error/ or someone at bank that trying to steal funds I had issues before with my XXXX  checks had case with you.but really like before you done nothing, ,no fine on bank not much else so this more less report issue .if monies not in acct soon.i myself file federal lawsuit on bank.asking for XXXX $ for each error claiming embelezelment internal corruption of company and theft of XXXX  funds..when I claim theft of funds ect I ask all funds all suntrust banks be froze till case done including there stock market investments.if none 3 agencies I file with do anything they be included because kind of seems type of collusion
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (VA)

Starting XX/XX/2017 I switched my monthly payment date to the XXXX of each month and I began to make extra payments towards the loan with the highest interest rate. I do automatic monthly payments since its easier and I supposedly get a discount on interest rates. I have 5 total loans with Discover. Every month since XX/XX/2017 the company has failed to distribute my money appropriately amongst each loan for my monthly payments. They also failed to put my extra payments towards the loan with the highest rate. Instead they would distribute it among the 4 loans and nothing towards the highest interest rate loan. There would be months at a time where none of my monthly payments would be going to a certain loan so I would get behind on that loan and then owe a ton of interest on it two months later. I have tried for the past three months to get this fixed and the first time they attempted to fix it it was not done correctly so I emailed them an example of exactly how I wanted my money distributed. A month later they sent me a letter saying they couldnt do it. I have tried calling them numerous times and emailing them numerous times for the past several months and have gotten nowhere.
Consumer complaint received 2018-09-14
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)

I was offered a modification on my mortgage with XXXX XXXX. I had to make XXXX trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX XXXX  reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.
Consumer complaint received 2018-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX of 2015 before the sheriff sale, wells fargo gave a cleaning permission to break into my house. The company XXXX XXXX XXXX XXXX XXXX il stole all of my electronics and furniture. I made a police report and contacted the bank. The bank then told me they would compensate mr . They never did. They bank also assured me {$3000.00} in relocation monies if I did not destroy the house or take the appliances. We left the house in very good condition. The bank sold the house for {$50000.00} more than I owed and left my family out on the street with no relocation money. Then they are reporting that i owe them on my credit report.
Consumer complaint received 2018-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (PA)

I made purchases using my PayPal account. Each purchase is zero percent financing if paid off in a certain time frame. I have always made sure that the payments are made to continue the zero percent offer. Most times the offer is for 6 months. My last 4 purchases were for longer periods of time. In XXXX, PayPal started taking my payments and putting them on the purchases with the longer time to pay instead of putting them on the purchases that were coming due. I contacted PayPal. They are looking into getting it corrected. I am hopeful that they will. I am filing this complaint because they claimed it was a computer issue. If the computer did this to me, then it is doing it to other people as well. I felt that since you are consumer protection, you could do something about this.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have made attempts to get Portfolio Recovery to remove off my credit report the credit card from XXXX   XXXX. I have asked them to remove it due to it being listed as collection/past due/ charge off. they have not listed it on my credit as being in dispute. I have sent out letters to them certified. The account says it is paid and closed but it then is listed on my report as 120 day late. This is a violation of the FCRA. it also has an inaccurate account number. I have asked them to provide me with my signature and this has not happened. I am asking that they remove this from my credit report or I will have no other choice but to take them to small claims court for the Inaccurate, Incomplete and Unverifiable information.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/18 - " Bank Originated entry reversal of provisional credit Case XXXX on XX/XX/18 for {$1500.00} '' I woke up to my account being almost XXXX dollars in the negative. There reversing a credit from five months ago. That claim was closed for months. This is totally wrong.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/24 I opened an account on line with Regions bank and was assigned an account number, and I also signed up for on line banking. I also funded the account with a {$50.00} opening deposit. Later that afternoon, I stopped in to a local branch and picked up two debit cards and assigned PIN numbers - one for me and one for my wife. I also activated these cards. The next day, I attempted to deposit {$200.00} in cash. That deposit was declined. I then tried to use the debit card at my dry cleaner and it was declined. I called the customer service line and after being transferred to various people who could not help me I was told that a block had been placed on my account by a local branch and only that branch would help me. Today, I was able to speak with someone at the branch and they told me that the account was closed due to a report of fraud. No other explanation was provided to me. I was told I would receive a letter and was told to call something called " XXXX XXXX XXXX ''. When I asked for that number, I was told I could look it up myself. 

This process seems backwards. Why would a bank allow me to open an account, fund it, change my direct deposit and then two days later close it without a detailed explanation?
Consumer complaint received 2018-09-27
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In 2012 I filed for bankruptcy starting with a chapter XXXX then moving to chapter XXXX. Attempted to work with Bank of America ( BofA ) to modify my loan on my own and they denied me 6 times. I final went to a local company here in XXXX, Ca. I worked with XXXX XXXX ; she filled out the paperwork and I finally got approved for modification. After returning the modification paperwork and 6 months to 1 year of making the trial payments BofA finally place me back in a normal status. Some months later I noticed my mortgage wasn't on my credit report, I promptly called BofA and was told by their Mortgage Lending Department that they were obligated to report because I didn't fill out and sign a form guaranteeing my loan. I told them that wasn't fair because I signed EVERYTHING they sent. They responded by telling me I could refinance the house and then and only then would they provide me with the document necessary obligating them to report my mortgage.
Consumer complaint received 2018-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I am writing to you on the advice of XXXX XXXX XXXX 's XXXX with the hope that you can help me. I basically, through my lawyer, XXXX XXXX have been trying to avoid Foreclosure and am still in Mediation with NationStar/Mr. Cooper and have turned down there Modification offers of {$1900.00} and {$1900.00}. The original Mortgage payment was {$2200.00} on a mortgage of approximately {$310000.00}, this makes the modification {$270.00} and {$300.00}. I lost my husband on XX/XX/2015 and my income was cut in half so I was not able to afford the then current mortgage payment of {$2200.00} and also can not afford the two modification amounts of {$1900.00} or {$1900.00}. I feel that Nationstar/Mr. Cooper should make the modification offer one that would enable me to pay the mortgage and stay in my home of 25 years. That being said, my husband and I paid our mortgage on this home on time for 22 years. My now having turned down these offers and these, according to XXXX XXXX, being the only offers Nationstar/Mr Cooper will make, my lawyer has now initiated a " Short Sale '' pricing the home at {$150000.00} and an offer has been made. ( If I were paying a mortgage on my home being accessed at {$150000.00}, the mortgage payment with 20 % down would be approximately {$880.00}. ) The offer has been made by my neighbor and she would like to rent my home to me for a couple of years pending the marriage of XXXX of her daughters, she lives in the house next door and grew up there and her XXXX lives in the house on the other side which was her Grandmother 's home. I am asking Nationstar/Mr.Cooper to waive the " Arms Length '' Affadavit so that if the sale should be accepted that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nationstar/Mr. Cooper refuses to do this. I am XXXX XXXX XXXX on a very limited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Rents in this area are very expensive and I don't have the funds to move a great distance, I also have four elderly cats and a lot of rentals don't take cats. I am doing everything I can to stay in my home of 25 years and need help. Thanking you so much for your consideration.
Consumer complaint received 2018-09-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (PA)

I received a letter requesting further information for our account at PNC Bank giving me and my mother 7 days to respond. If we didn't they would close the account. We responded within 5 days of the receiving the letter by going to the bank on XX/XX/2018. We handed the letter to XXXX ( I think that's what her name was ). XXXX was on loan from the XXXX XXXX branch. She placed all information required in the computer. I gave her my social security number, telephone number and corrected my address. I do not live with my mother. ( I requested the bank manager,, but she was on vacation. ) I was issued a pin to sign up for online banking. Everything seemed fine until today, XX/XX/2018 when my son informed me the {$2000.00} check his grandmother sent him was returned NSF. My mother also sent a gift to my brother which I expect will also be returned NSF. Neither my mother or I closed the account. This was done by the bank. They are saying I never went in with my mother and wife to address the issue in the letter. We are requesting that PNC Bank pay any and all NSF charges due to this closure of the account by the bank. I also request that any fines that are applicable will be assessed against the bank.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This CFPB complaint is regarding XXXX, XXXX XXXX XXXX XXXX account no.XXXX that appears on my Experian and XXXX   XXXX files. VERY RECENTLY, EXPERIAN VERIFIED the account on XX/XX/XXXX AND XXXX VERIFIED on XX/XX/XXXX.I have included with the evidence attached here a 3rd party report showing those dates OF STATUS UPDATE.I have included XXXX XXXX XXXX CFPB RESPONSE OF XXXX XXXX where they admit to 40 previous verifications of disputes with Experian and XXXX  ( XXXX ) .XXXX  DELETED THIS ACCOUNT LONG AGO WITH THE SAME EVIDENCE PRESENTED HERE. 
THE DISPUTE IS SIMPLE ... .THE FCRA DOES NOT ALLOW RE-AGED ACCOUNTS. 
XXXX XXXX VERIFIES XX/XX/XXXX AS DOFD.ACCORDING TO FCRA DEFINITION OF DOFD, THE DOFD WAS XXXX XXXXTHE EVIDENCE HERE INCLUDING A 3 DAY NOTICE, A CERTIFIED COURT DOCKET, THE JUDGMENT OF XX/XX/XXXX, THE PREPONDERANCE OF EVIDENCE SHOW COLLECTION EFFORTS ON THE DEBT ( RENT ) AS EARLY AS XX/XX/XXXX. 
THIS EVIDENCE IS SUFFICIENT TO WIN A SUIT AGAINST THE CREDIT BUREAUS AND XXXX XXXX FOR THE " 40 VERIFICATIONS '' THAT WERE INACCURATE WRONGFUL AND CARRY STATUTORY DAMAGES. 
THE CFPB HAS AMPLE EVIDENCE HERE TO PROSECUTE EXPERIAN AND XXXX  FOR ALLOWING THEIR PAYING SUBSCRIBER TO VIOLATE THE FCRA WITH IMPUNITY TO THIS POINT.
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX needs to be removed from my credit report. I don't owe anything to this company or to XXXX XXXX XXXX All of my debts have been paid in full. 

If this is not removed within 30 days, I intend to file suit.
Consumer complaint received 2018-07-08
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: DISCOVER BANK (MD)

i have file number of dispute that an Account Number : XXXX was open in my name by Ex wife or someone else ... the address where the account was open is not list on my credite report nor i have live there the email address on file is wrong also ..I have place a fraud alert on my credit report and contact Discover over and over about this account .Yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.