davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

Good Morning to Whom it May Concern, I attended XXXX XXXX before they closed their doors to students due to wrongful actions concerning loans. Students who attended were placed in high interest rate loans and pushed through the system. After finishing they program we all came out of school with 60k+ in student loans to a school that was not really taken seriously by top named companies. A short time back XXXX XXXX closed its doors and filed for bankruptcy. Current students and past students are now stuck on what to do next. Past students are stuck with high loans with high interest rates that will take them 20 to  30 years to pay off. That amount of time is not fair to someone that has been cheated and thrown into something they were left in the dark about. XXXX XXXX staff pushed the paper work through and only gave us the answers to the final bill at the end of a degree because their answer was we do n't know how much you owe because the interest is growing while your in school. I came out of school with 80k+ in debt to a school that I feel cheated me. If I knew this information I would have chosen differently and looked at other options. I feel that students should not be responsible for repaying XXXX XXXX student loans because we were cheated out of an education with outdated schooling material. Please help!!!!
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MD)

for years i have been trying to get a lower payment or try to find some solution to help bring my mortgage back current with the mortgagee without having to pay all the past due amount in one payment. being in and out of work it is illogical that i have that type of money laying around the house. Loan care has had me in endless reviews and never giving me a solution. they have been not willingly and viciously denying me for any assistance and have scheduled an auction sale date an abundant amount of times. i have explained the financial difficulties both medically and financially and they are not willing to help me at all. i am about to lose my home in which i am not happy about. loancare is going to leave me and my family homeless. everytime i am asked to send in a package they are required to have in order to review my case they always asked for endless information and information that has been sent to them numerous amount of times. they always close out my case and deny me due to never recieving the documents on time. when they have it in their records that they have been received. i need help from authority at this point to help me save my home and help me get the correct assistance i need from my lender. they ignore middle class & minorities like myself and my family. it is not fair i have to go through this when all i am asking for is help. i am not purposley missing or failing to make the promised mortgage payments. i simply was not able to at the time. my husband and myself are now employed and are able to keep up with the mortgage but we need help to come to some sort of agreement with Loancare for an affordable payment. they know as i have been providing them endless information that when the loan was acquired i was in my first marriage which failed and lost that source of income. shortly after i lost my employment. however since then i have been asking Loan care to help me and they just do not like minorities and are not willing to help in any way. i am remarried and again both have steady income. i just need the consistent help of Loancare as i have consistently been asking them to help me. please I NEED HELP TO KEEP AND SAVE MY HOME.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (CA)

PHH mortgage charged my credit card {$590.00} plus an additional {$1.00} service charge for an appraisal on my home for re-financing a mortgage. They said my credit card would be charged if they were unable to close on the re-fi. I never received a letter or phone call first to inform me, just a charge on my XXXX. The mortgage company solicited me with numerous phone calls to re-fi, and told me I would be saving several hundred dollars monthly. They also said I was pre-approved. The initial loan processor never walked me through the documentation, as promised, and papers had to be re-sent. A new loan processor was assigned. She was equally rude and evasive in our conversations. Finally, they asked for documentation of additional income to be guaranteed that it would continue for 3 years ; however, the income is XXXX XXXX deeded to me 35 years ago. I sent all tax documents for 3 years and told them there 's no guarantee that Royalties continue indefinitely, although I 've continued to receive them 35 years. This company has had many legal problems and is not endorsed by the BBB. XXXX reviews are all consistent with my complaints.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attempted several times to dispute an duplicate remark on my credit report with Transuion, by two written request, also by online disputes ( two separate times ) and also by telephone by speaking to a live customer service representative on two occasions. I have a credit card account that I did not pay and unfortunately it was charged off, since then this company has sold my account to an collection agency who is also reporting the same account information. I submitted several request to remove one of the item as this is an duplicate. Per Transunion reponse : the dispute is not specified. I have ask Transunion to remove one of the account ( preferable XXXX XXXX ) since they have sold to an outside collection agency XXXX XXXX  due to duplicate item. Also this has lowered my score to XXXX points which is lower than what the original credit score previously before this dispute. Transunion has placed credit one acct under collection and placed the outside collection under another category, which is double jeopardy. I have ask for a breakdown for the drastic decreased points however customer service has refused to review with me. I am trying to see what is my rights in this situation should an account that has been bought and sold to an other agency, which i am not disputing but should the original creditor still be present on the credit report as well : my score has lowered more with this dispute versus the original credit report which they categorized under negligent account. Now they have just added/ or moved what it was originally to a separate category. which is negatively impacting my score even more. Possible Double Jeopardy Please help! Thank you in advance
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original XXXX account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I called numerous times today XXXX/XXXX/2017 to request to speak to a supervisor, but I guess you all do n't properly train your employees on the FDCPA Law because they answer the line with out ID themselves and then hang up debtors who calling in to pay on their accounts. After finally speaking to supervisor by the name of XXXX XXXX? I explain to him what I am calling to resolve my account and ask what can he offer as a settlement offer, then he ask me what can I offer, then I ask him again what can he offer, then he went out to explain how I was argumentative with the pervious representative, but I inform him if someone ask you a question, it rude to turn around as ask them the same questions that 's how conversation become argumentative but I guess since I 'm the debtor I am not smart and cant comprehend. You all do n't owed the debt which means that when some gives and offer you all suppose to take it and pass on to your client but XXXX told me to send it in written and its okay to send it through the BBB.org. I and offering to pay nothing since you all accuse me of being argumentative when I called and ask a question and all the rep did was ask me the same question I ask and then accuse me of being argumentative. you all are in violation of the FDCPA and I am requesting for you all to pay the bill for me and I need to speak with the CEO of XXXX and or President and laugh if you want to.
Consumer complaint received 2017-08-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Chaplain Financial Services LLC (GA)

I received a call and they left a message with a phone number and a case number. I called the number, XXXX. The lady mumbled her name and would not repeat it. She mispronounced my name and asked me to verify the last four number of my social, which she read to me. They were correct, but I refused to verify it. When I asked her, she said she worked for XXXX XXXX XXXX, a division of XXXX XXXX. She claimed I had taken out a loan with XXXX XXXX in XX/XX/XXXX and I had paid until XX/XX/XXXX. I am not aware of this loan. She did not give the required statement stating she was with a debt collector. She claimed to keep looking up my information, and there was lots of background noise. I have never heard of XXXX XXXX and I am very sure I did not borrow money during that time period.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Quality Loan Service Corporation (CA)

Quality Loan Service Corporation can not act as trustee as was never a contract to do so for the Fictional deed of trust, I XXXX XXXX have durable power of attorney with anyway my surname and any ways spelt and IRS has a copy of it, along with cusip, ssi, TDA accounts all can not be used, unless I give expression through approval, with a signed affidavit which i have not, to XXXX, Quality, nor any other company, also it takes two to sign a contract not Even XXXX XXXX XXXX have signed any docs. but on the hidden back of a paper, and non-disclosure, and signed my name, and id theft. Arrest warrants have been issued to all Ceo 's involved in this Fraud, Extortion, land piracy. Also a defaulted bill. You can not sell nor buy something that you do n't own by a null and voided contract before is even is one. Nor direct as a fraudster actor trustee, which violates the Constitution of the united States Of America Republic. If you need a copy of the arrest warrants and defaulted bill, request it, and not electronically, only by registered mail, and stating on the pink slip that what it is for and whom it is from, The bill is more that 90 days, ssi # is only for employment purposes, and slavery was abolished, Idenity theft is being used by the matrix system of banking and all we do on line and there is never another person on the other end to sign their name, all corporations have been foreclosed on more than once in the world, since XXXX XXXX XXXX, and XXXX, and XXXX and XXXX XXXX XXXX found XXXX XXXX guilty on all counts. XXXX
Consumer complaint received 2017-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

One Main Financial is a predatory lender. I took out a loan with them a couple years ago and fell behind on payments. Eventually they were able to rewrite the loan so I was no longer behind but they never told me that my principal and interest payments were changing. They are charging me over 90 % in interest. I pay XXXX per month and XXXX is going towards principle. There is no way this loan can be paid off within the terms that I signed the contract. They never disclosed to me the interest rate would jump up to 90 % if the loan fell behind due to me being unemployed. These are dishonest and deceptive practices and One Main needs to fix my loan so that I am able to pay this off in a reasonable amount of time. This is not right and they refuse to fix this issue. They lied to me and now are trying to go after me for not paying my loan but they are robbing me on interest. This loan should be paid off in the time frame agreed and the principle and interest needs to be fixed. They never told me or disclosed this interest rate.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX - INQUIRY MADE ON XXXX-17. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (TN)

I have sent letters requesting these " debts '' to be verified and they have not responded then today I do a compare between my reports and the same " debt '' is showing up with two different company names and one will show Open and is a Charge Off then the same account with a different name will show Open Refinanced or Renewed this shows on all four which I have attached screenshots of. I have NEVER spoken with this company to " Refinance '' anything seeing how my ONLY correspondence was sending them letters asking for Validation from Central Financial Control I have even less idea who Syndicated Offices are. How can two differently named companies be on my report for the same " un-validated debt ''
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (ND)

To Whom It May Concern, Similar to the complaint I filed yesterday, Citibank has filed another interest charge for {$83.00}. That again was based on their faulty autopay system. I would n't be surprised if they have done that to other customers as well. This needs to be re-mediated immediately.
Consumer complaint received 2017-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Coinbase are illegally stopping customers from withdrawing their money. This is happening to hundreds of people ( on the Coinbase forum ).
As requested by Coinbase, in order to verify my bank account ( for withdrawing funds ), I sent a XXXX payment of XXXX euros on XXXX/XXXX/XXXX. I waited a long time for it to go in. It didnt go into my digital wallet, so I sent another one, which reached my wallet on XXXX/XXXX/XXXX. Each time being charged by my bank to send the payment. Coinbase have still not verified by bank account, so I ca n't withdraw money, even though it states 1-2 days after it enters the wallet. Ive contacted Coinbase numerous times but they are not responding to my support tickets, or XXXX messages.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

I purchased a prepaid XXXX valued at {$25.00} through XXXX XXXX XXXX XXXX at one of their supercenter locations. I was charged a {$3.00} activation fee through the store. The card was activated, and I registered it online. I tried to use it for an online purchase, but unable to do so. I called the company which handles the card, XXXX to sort it out. After learning the card would be useless for my intended purposes, I asked if there was a way to get a refund. Instead of answering the question, the agent canceled the card as lost ( it was n't ),  and ordered a new one which they initially were going to charge me a fee to do so. They eventually waived the fee to replace the card, but nothing else. I still will not be able to use the card as intended, and I am still out the {$3.00} activation fee. I also have to wait 7 to 10 business days to get access to the money.
Consumer complaint received 2017-06-08
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. (DE)

BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than 30 calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my FICO score significantly.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

My income-based repayment plan was up for it 's annual renewal in XXXX and I submitted an application to continue the repayment plan to both of my federal student loan holders at the time, FedLoan Servicing and XXXX. Shortly thereafter, I received notice that the loans held by XXXX were being transferred to FedLoan Servicing to consolidate servicing of my loans. The loans showed up on FedLoan Servicing 's end in XXXX, I believe. To my knowledge, my request to continue income-based repayment was never processed by either company. I have contacted FedLoan Servicing multiple times regarding this matter. On XXXX XXXX, I received an email from a " XXXX '' at FedLoan Servicing, telling me that they were waiting to process my request until a {$5.00} payment was made on my account, although they had never communicated this to me officially. I made the {$5.00} payment online that same evening. I did not receive anything showing they had processed the repayment plan renewal, so I emailed them again on XXXX XXXX to check on the status of my request. On XXXX XXXX, they responded that I needed to allow 7-10 business days to process the request, and that 10 business days was XXXX XXXX. The request has still not been processed, or at least I have had no communication from the company stating that it has been and they appear to be billing me under standard repayment. My bill was due in the amount of {$280.00} for two of my loans on X/X/2017. I did not pay them and told them that I would be contacting you about the issue, and that I would not pay it until they processed my request. I have not heard back from them. I have two questions at this point. Can the CFPB require them to process my request for income-base repayment? And secondly, is there any way that I can have all of my federal student loans transferred over to my prior servicer, XXXX? They were much easier to deal with than FedLoan Servicing, and I never had any trouble with them. If possible, I want to change all of my loans over to them.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (KY)

On  XXXX   XXXX  my payment was raised concerning my escrow account. My insurance last year was  XXXX  this year  XXXX . Taxes  XXXX  last year  XXXX ,. This year. my payment went from  XXXX  to  XXXX . I draw  XXXX  social security a month .When I got the mortgage they said my payment would not go up. I have a tight budget but have never missed a payment. I paid  XXXX  on  XXXX   XXXX  and they put charges on my account because I could not pay the new escrow.  XXXX  is not a lot of money to company 's but takes out of my food. There was not that much difference in the escrow. I talked with the company and they said they can not do anything
Consumer complaint received 2017-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

To Whom It May Concern : I am a victim of identity theft and filed a police report with the XXXX XXXX Police Department. The police report case number that is on file is : XXXX. The following account is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX. The following hard inquiries are all fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX