davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX XXXX, 2016 Ref # : XXXX To Whom It May Concern : XXXX I would like to dispute the following item on my credit reports : XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Partial account number : XXXX. 
Opened XXXX, my credit report shows a late payment in the amount of {$92.00}. As of now CHARGE OFF XXXX/XXXX/2016 However, I have enclosed copies of my cashier check purchased on XXXX/XXXX/2016 and forward via USPS overnight as payment on XXXX XXXX 2016. Payment was made in full amount of {$93.00} when the balance was {$91.00} at that time. 
See attached clearly show my payment ( Cashier Check ) for XXXX XXXX, 2016. The XXXX XXXX XXXX XXXX has verified the Check was posted for Payment Additionally, it appears that the same matter is being reported twice as a double/damaging. I say strongly state again the full amount was forward ( PD ) to Lowes of {$600.00} as payment as Lowes requested. There was not notice by either party at that time the account was sold or transferred. XXXX placed additional charges on the Lowes Balance placing demands after payment was made and forward to LOWES. I contacted XXXX and made inquiries / concerns there was no notices or request for payment stating the matter had been sold or transferred to them was forward to me at XXXX XXXX XXXX XXXX, LA XXXX. I was told that they do n't send them out. Then I was transferred to a XXXX manager who attempted to clean that statement up. After that conversation and it being placed on my credit reports notices was forward via the mail to my address. 
I dispute the most recent change to Charge Off being report by XXXX. It 's a paid matter in Full as of XXXX XXXX, 2016 payment was made overnight and received checking the tracking number given by the Post Office. Also the Credit Union states the Cashier Check shows payment / cashing by XXXX 1. Lowes : Charge Off : # XXXX ( Reporting ) Not PAID 2. XXXX : Charge Off / Dispute payment was made prior to reporting being made to the XXXX Bureaus : XXXX, XXXX and XXXX under # XXXX Please correct and I am requesting updating this as soon as possible as it 's incorrect reporting via the Bureaus. Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a complaint against Transunion due to their verification of a debt issue. The following week, in retribution, they lowered my credit score by XXXX points even though there was absolutely no change in my report. It has been several weeks and they refuse to raise the score to the previous level. I printed the XXXX reports showing the only change was the score and NOTHING else. I thought this process was to help consumers but now feel threatened that companies can harm my credit for complaining about them. I find this frustrating and feel the entire reporting system is broken and needs an overhaul. I pay my bills on time and pay off credit cards every month and yet find my score does n't represent that.
Consumer complaint received 2024-09-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (DE)

I pulled my credit report and saw that that rent recovery solutions are reporting debt XXXX 2024 on my XXXX report, they removed from my other reports upon request, however, didn't remove from XXXX report. The total is {$2500.00}. I have no contract or knowledge or agreement with this Rent Recovery Solutions.
Consumer complaint received 2016-04-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (IL)

On XXXX XXXX, 2016 there was fraudulent activity on my Checking Account which is through US Bank. There were XXXX US Bank ATM withdrawals ( XXXX in XXXX XXXX, XXXX for {$500.00} and XXXX in XXXX for {$500.00} ). I went into a US Bank location and filed a claim for the {$500.00} withdrawal. I was told to wait to file the 2nd claim as the {$500.00} was listed as pending and perhaps would not clear. When it did clear, I called the US Bank Fraud Department on XXXX XXXX, 2016 and entered a claim. I was told in XXXX instances that if the claim was still pending/being investigated within 10 business days, they would release provisional funds to my account. They released the provisional funds for the first claim. When XXXX weeks went by and I had still not received the provisional funds for the 2nd claim, I called the Fraud Dept and was told they had no open claim on my account. US Bank was supposed to send me a claim to sign and return ( which I was not aware of ) and they never did. I then entered a claim again and had them email me the claim to sign. Within 2 days I had it signed and faxed to the Fraud Department by a personal banker at a US Bank branch. Last Friday, XXXX XXXX, 2016, I noticed the funds had still not been returned and it was over 10 business days. I called the Fraud Dept and after 45 minutes on the phone with XXXX different individuals it was concluded that I had no claim and they never received the signed claim. I have the Fax verification from US Bank Branch that the claim was sent and received by the Fraud Dept. I then went into A US Bank Branch and spoke with the Assistant Branch Manager and had her refax the claim I signed along with the Fax verification from XXXX XXXX, 2016. She then called the Fraud Department to verify they had received it and was informed they would n't know until the next day. She inquired about my claim, and this time was told I did indeed still have a claim, but that they now have 30 business days to determine whether or not to return my money and that I would not receive provisional funds because I did not return the claim signed within the allotted time. I have proof from US Bank that everything was sent in the right amount of time and that it was received. I have no other option but to file a complaint at this point because it has been over 6 weeks since fraudulent activity occurred on my account.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (VA)

I had a Bank XXXX mortgage in good standing until XXXX XXXX when the bank failed to post a payment for that month ( XXXX XXXX, we later learned the check had not cleared our bank ) and subsequent payments made on time, were credited to the previous month, making the current month to show delinquent. Bank XXXX transferred our loan to Resurgent Mortgage in XXXX XXXX and Resurgent discovered the mistake and other posting errors that showed the account 60 days delinquent and reported to credit agencies, destroying my credit. The documentation was finally obtained from BA in XXXX XXXX and resurgent offered to do a Loan Modification in order to bring the account to 'current status ' providing we made two months payments for XXXX XXXX and XXXX XXXX, which I made. We completed the Loan Modification documents and submitted them to Resurgent in XXXX XXXX and was advised not to make any further payments until we received the Modified Loan documents. Subsequent communication with Resurgent was not possible by email, fax or phone and we never received the Loan Modification. On XXXX XXXX, XXXX I received a Certified Letter from Shell Point Mortgage Servicing notifying me my home was scheduled for foreclosure on XXXX XXXX, XXXX. My attorney and I made several attempts to resolve the delinquency of {$280000.00} but we informed they could not respond until they officially received the Loan Modification documents which we had send via email on XXXX XXXX and again on XXXX XXXX. On Friday XXXX XXXX we were told they had not received the documents and the five day provision for stopping the foreclosure has passed and the foreclosure could not be stopped. My attorney advises my only alternative is to file personal bankruptcy to stop the foreclosure, which I intend to do.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (OH)

In XXXX I requested to be put on the Income based repayment plan. I was ( and am still ) working but could not afford my bill. After some demanding they did put me on the IBR plan at Navient. Every year I have diligently renewed my application. In XXXX, I had lost my job and pretty quickly was hired by a non- profit. I called Navient and asked how this affected my IBR plan. They told me that I was still eligible and that my loan would only be for 10 years as long as I requested each year for my IBR renewal. In XXXX, I learned that ( on my own, not from Navient ) that it is a good idea to check with your loan company to be sure that you have Qualifying payments and loan forgiveness. I began then to send the forms for loan forgiveness. It was not until XX/XX/XXXX that I learned that my student loans were not eligible for forgiveness unless I consolidated them to a different loan company - XXXX. So in XX/XX/XXXX I began the process of consolidating to XX/XX/XXXX since I still work for a non- profit at very low wages and still can not afford my student loan payment. I feel however, that Navient did an injustice by not telling me that my student loans were not eligible sooner and not notifying me in anyway that I would need to consolidate with a different company. I lost seven years of qualifying payments for loan forgiveness and had to start all over again at 120 payments.
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (LA)

My wife and I have a Citi Double Cash account opened in XXXX XXXX. In early XXXX XXXX a payment for the full balance was sent to Citibank. Payment was negotiated by Citibank on XXXX XXXX. We have the cancelled checks, one of which is attached. Then I began to get non-payment notices. We called to inquire. On the XXXX agent we talked to, we were told that payment was applied to an old account in my wife 's name that should have been closed a long time ago. They refused to send us a bill on the old account and refused to redirect the entire payment to the Double Cash account. They finally agreed to redirect that portion of the payment over the balance of the old account to the new account. However, I can not verify that this was done because my access to the website on my Double Cash account is blocked with a page saying payment is over due. Citibank had absolutely no authority from us to redirect payment and had no authority to re-open an old card in my wife 's name.
Consumer complaint received 2016-11-15
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I borrowed a loan from a company called NetCredit. The loan amount was {$2600.00} dollars with monthly installments of {$150.00} debit from my checking account every XXXX of the month. The loan was funded on XXXX/XXXX/2015, up until this day I have only paid {$110.00}. When I called to inquire why my loan amount was n't going down I was told that some all the money goes to the interest and some months only a percentage goes to the principal. It has been over a year and in total I have paid {$1800.00} and only {$110.00} of the principal has been paid. The interest on the loan agreement is an annual rate of 65 %. When I called they told me that some months all the payments goes to interest. This can not be legal, this is abuse of power and abuse to consumers. This business should be investigated, when you borrow a loan and make monthly payments a portion should go to your principal no matter how much the interest is. This is straight up robbery.
Consumer complaint received 2016-11-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX I purchased a home for XXXX. My payments were XXXX a month including my insurance. It was a 30 year loan. In XX/XX/XXXX I refinanced getting XXXX in cash. The mortgage balance was XXXX. My balance on the house jumped to financing {$50000.00} My payments were XXXX a month not including my insurance. I bought that separate. 
My complaint is I have paid on my house for 29years. I still have 9 more years to go before I pay my house off. I am XXXX years old, I will be XXXX when the house is paid for. Principal and interest totaling {$180000.00} for a house XXXX plus XXXX cash. Costing me {$5000.00} for XXXX I may not have all of the figures exactly correct but I do know I made a terrible mistake refinancing. My question is this should not be legal. My interest rate is 8.5. I checked into getting a lower interest rate and I can through Chase at 4.5 getting my payments to {$290.00} a month for 15 years. Then I would be XXXX years old. I am retired and receive an income of XXXX a month. My question is who is getting my money besides the mortgage company and the government. What can I do to pay my house off I still owe about {$32000.00}. Is there any help? Do I have to accept that I have to pay almost XXXX for a house that I got for XXXX plus XXXX cash totaling {$58000.00}. That is XXXX interest. The guy that refinanced got {$5000.00} for giving me {$15000.00}.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (RI)

XXXX cable/phone/internet had a billing error for XXXX form XX/XX/2013. When I pulled credit report I noticed contacted XXXX and they removed from all Credit Reporting agencies and stated billing error on their side. I checked the reports and all entries were removed. Several months later I received a letter from Collection : Debt Recovery Solutions for the same amount. I explained the background and faxed them the receipt of the return equipment to XXXX. The rep advised ( XXXX ) they would remove the account from their files. This week notices the Collections has been placed on my Credit report. I called XXXX and they could find NO records of any Past due, Collections under my name or any address. How can Debt Recovery Solutions report a debt that XXXX states I have none and I sent them proof of 2013 return of equipment
Consumer complaint received 2017-01-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (VA)

I requested a payment deferment to which it was granted ( see attached document ). At no time during my conversation with a representative from Santander did they inform me that they would still report a 30 day late even if payment deferment is granted. If this information had be communicated to me, I would not have continued to move forward with a payment deferment since my reason for the request was to avoid a 30 day late with Santanderj in the first place. Santander reported the payment which was included in the deferment agreement as 30 days late to the credit reporting agencies. I contacted Santander ( Incident ID : XXXX ) to request the correction to my credit report, however I was advised they were unable to help me and correct the error. I also recommended to the representative that reporting to the credit bureaus even if payment deferment is granted should be communicated to their consumers so that it is understood.
Consumer complaint received 2016-09-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Below is the, somewhat lengthly explanation of what has transpired in our efforts to get help from Wells Fargo in modifying our mortgage and home equity loan. 

It 's not all bad. This began more than a year ago when I was assigned a woman named, XXXX XXXX, who was going to handle our request. When I explained we 'd like to combine our mortgage and home equity loans, she transferred me to a XXXX XXXX, stating it was not in her department. 

After a very long process and with the help from his manager, a man named XXXX, we were able to modify our primary mortgage. So far so good. 

In my final conversation with XXXX XXXX he informed me that he was transferring all of our documentation to XXXX XXXX. When asked what I should do about paying the home equity loan, he told me to make no monthly payments, since it was in the process of being revised. 

Herein begins our difficulty. 

We kept receiving requests for documents they already had as well as tax returns that, at that time, had not been completed. 

After a bevy of letters, most saying that they needed more time to " make a decision, '' we were then turned down for no apparent reason. A full explanation as to why was never given. 

I immediately requested a review of the decision. At this time we inherited someone named, XXXX XXXX. He never called us and I have never spoken with him. 

Instead we received more letters ( I have a XXXX inch file ) and another rejection, again with no apparent reason given. 

During an interim conversation with a man named " XXXX '' Who claimed to be the same department who handles complaints to you, I thought we were making progress. 

Just this week, we received an XXXX XXXX notice, which makes no sense since our primary mortgage has been on time for the past year. 

At this point I do not know what to do. 

I 'm a XXXX year old self-employed, XXXX veteran, trying to survive. What these banks are doing to the American public is a travesty. They shuffle papers and create a blizzard of paperwork, designed to dissuade and discourage, all the while begging the government for handouts and special favors.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I took out two loans with XXXX back in XXXX when I attended XXXX Community College in XXXX, FL. I am XXXX school now and suddenly these loans have come into repayment. I called Navient, and they told me that I 've run out of time to not make payments and must make take a forebearance, pay {$100.00} to clear the past due and now start making payments each month. I paid {$150.00} for XX/XX/XXXX and now they say I owe {$160.00} for XX/XX/XXXX. 

I looked at the loan information and it says that the loans were disbursed XX/XX/XXXX and XX/XX/XXXX, both of which is a lie. I was attending the XXXX in XXXX and was taking federal loans at that time, so no private loan would have have been needed. 

Further more, when I talked to their customer service, they said I had no income based plans available to me and must start making payments immediately, even though I am still in school. Then I see that the government is suing Navient for misleading it 's customers so I 'm filing this official complaint to see what can be done.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (VA)

Sallie Mae has repeatedly called ( telephone ) cosigner to student loan. All payments are current or ahead of schedule. I believe the calls constitute harassment as they frequently interrupt the cosigner at his job. Sallie Mae simply calls and hangs up without leaving a message. There has been no effort on their part to inform us of any issue.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MO)

Last month I started receiving calls from unknown numbers. They did leave a voicemail to call a number back or log on to citicards.com and they could help me. I XXXX the numbers and there were multiple people suspecting the number of fraud. So I logged on to citicards.com and there were no alerts. I sent a secure message about the calls and they gave me this reply, " Dear XXXX, Thank you for contacting us. We appreciate each and every opportunity to serve you. 

Our records do not show that we have called you regarding your account. 

If you think that the card information is at risk, please call Customer Service immediately. Once your closure request is processed, the current card is closed and a new card number is established. 
XXXX. 
If there is any way we can be of further assistance, please feel free to contact us. 

Sincerely, Account Specialist South Dakota '' So I assumed it was fraud, but the calls continued. I finally was able to answer XXXX and it said that it was a citicards account that was past due. Because of the additional time that lapsed, they reported my account as delinquent. This seems unfair since I took the exact step from their phone call and was told by Citi that they were n't trying to get a hold of me. Now I have a late payment on my credit report from Citi because Citi told me they were n't trying to contact me.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage was with XXXX XXXX XXXX, which I complained about because they withheld too much money in my escrow account. Then, in the middle of my complaint, they switched my account over to Specialized Loan Servicing LLC ( " SLS '' ). SLS was supposed to give me back a {$5100.00} dollar overage in my escrow account that they inherited from XXXX XXXX XXXX. They sent me an annual escrow statement that was supposed to have a check attached. There was no check attached. I called them. They said they were putting a stop payment on the check. After waiting and waiting, I called them on XXXX XXXX, 2016 and they told me the check was sent on XXXX XXXX, 2016 and to give it some time to arrive. I called them again on XXXX XXXX, 2016, and this time they told me that the check was sent on XXXX XXXX, 2016 and to, again, sit tight and give some time for the check to arrive. I 'm worried I 'm not going to see the money at all now. They 're already 2 months behind on giving me more than {$5000.00} THAT BELONGS TO ME. They do n't have any evidence ( tracking number or otherwise ) that they actually mailed the check out. With all this hoopla, you would think they would send the check in a manner that is designed to ( a ) insure that it arrives to me ; and ( b ) in a timely manner. But they didn't/do n't. I want the money that belongs to me and they 're not allowed to hold on to my money and keep giving me the runaround when I call them. This is ridiculous. I was forced into SLS 's hands by my previous mortgager -- I would NEVER want to do business with SLS.