davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (ME)

I graduated from XXXX in XXXX of XXXX. Since then, I have been working in several XXXX XXXX doing XXXX XXXX. While I enjoy what I do, it doesn't pay me super well. After years of making on-time and complete payments on my Navient private student loan interest, I was jettisoned into a {$900.00} a month repayment plan. Obviously I can't afford that and also live, so I reached out to Navient to try and resolve this. I was told that the best option was to forbear my loans, so I did this multiple times until I couldn't forbear them anymore by XXXX of XXXX. After that, I was told that Navient could potentially help me with a lower payment plan. Myself and my cosigner gave the information that was asked of us, but were denied. A month or so later, in late XXXX or early XX/XX/XXXX, I called Navient to make a credit card payment, which they refused to accept. They again suggested a lowered repayment plan, which I informed them that I had already been declined for. At this point, they informed me that a chunk of the information necessary from me and my cosigner was missing, which leads me to believe that whoever took the information initially was deliberately leaving out financial information in an effort to manipulate me and my cosigner out of money that we point blank do not have. I was incensed. I asked them to provide me with all of the necessary documentation to prove that they own the debt. Today 's date is XX/XX/XXXX. I asked them for that paperwork over a month ago. I have not received it, so I have been avoiding their calls since because I just can't afford to pay them. They are now threatening to report to the credit bureau on my cosigner and my credit scores, but I don't see how they can do that when they can't even seem to send me the proper paperwork they'd need to even do that.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Are HUMANS viewing these complaints or superscanners? My complaint of Resurgent Capital Services L.P. was NOT a duplicate complaint! 1 ) My initial complaint was to XXXX, which is indeed a separate company! Is it not? I know for a FACT that if someone is doing business as Company 1, another as Company 2, and Company 3 -- THAT THEY ARE 3 SEPARATE COMPANIES. 2 ) That complaint -- as this one, since my other was FALSELY closed -- is about how Resurgent provided me with documents that, under the FCRA & FDCPA, DO NOT PROVE this fraudulent account to be mine! My complaint to XXXX was about how these frauds ( and XXXX XXXX XXXX XXXX ) NEVER RESPONDED TO MY LETTERS asking for validation of this account -- which is a violation of consumer law. They knew what they did and the person who responded to my complaint brushed it off! Therefore, please explain to me how these are duplicates ; these are two separate issues with THREE DIFFERENT COMPANIES! 3 ) I am absolutely outraged that the CFPB is condoning companies ' violations of consumer law! What do you exist for, CFPB? I was given statements and bills as " proof '' that the account was supposedly " mine '' when those are NOT valid means of verification! Statements, bills, and itemized lists of " what is or has been owed '' is NOT proper validation under the FCRA or FDCPA. You MUST provide an original contractual agreement in its original form, bearing my actual, wet signature. My signature was not on these documents, nor did they provide proof that the address ( es ) in the document were mine. Everything about an account must be properly investigated and validated. Until Resurgent provides actual original documentation bearing my actual signature and providing verified proof that the addresses were mine, then they remain under violation of law -- WITH THE CFPB 'S HELP.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes. On Wednesday, XX/XX/2018, I received a phone call from USAA stating that I would still be liable for the charges.
Consumer complaint received 2018-09-27
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. (CA)

TransUnion is reporting that I am an authorized user on a XXXX XXXX credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.
Consumer complaint received 2018-09-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

In XXXX  I refinance a home mortgage with Chase Bank for a better interest rate. This refinance was from a Chase loan to a new Chase loan. Chase never filed a lien release for the original mortgage. Today I am trying to schedule a closing for the sale of my house and am unable to get a closing scheduled because Chase has not provided the lien release.

For close to a month I have been asking for this to be resolved and have gotten nowhere. My real estate attorney even provided the bank with a title search to get this done. The title search was just completed but Chase replied that it was too old.

Each time I call I am told they have no further information and then am told they will know in 24 to 48 hours, three to five days, 5 to seven days. ( It varies depending upon to who I have spoken to. ) I was promised a Paid in Full letter and a confirmation that the bank will complete the discharge and file it with the county but never received it.

I am now seriously concerned as the buyers have threatened to walk away from the deal and I seem to have no way of getting this resolved. It frustrates me that due to something that Chase should have done years ago that I am now put into this position
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Revenue Management, Inc. (CA)

On XX/XX/18 I looked at my credit report and saw that there was a delinquent account added by American Revenue Management ( XXXX ) XXXX-XXXX for {$4200.00} that was openned XX/XX/18. I called the number and the person on the phone read letters that were supposedly sent to me but I never received. None of these letters stated my right to dispute this debt that was placed on my report. This is a violation of the fair credit act. This is not my debt. I demanded they remove it from my credit and they refused.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I went to the Wells Fargo ATM on XX/XX/2018 to deposit {$1900.00}. As instructed by the ATM i put all bills inside the deposit slot. The ATM asked if a deposit of 9 bills of XXXX for a total of XXXX was correct. I replied No and the ATM gave me back XXXX. I then left with the XXXX and called Wells Fargo ATM operations within 30 minutes to advise them of the error. Wells Fargo gave me a Claim # XXXX & They advised it could take up to 1 month to research the error. Within two weeks Wells Fargo applied a temporary credit of XXXX to my account while they completed there research. On XX/XX/2018 I received a Letter from Wells Fargo claiming that the research had been completed and there were no issues with the ATM & would be deducting {$1000.00} from my bank account. I called Wells Fargo to determine what research the completed and they said the ATM was checked for any jams and there were no jams. I asked if they had ran a register total for the ATM and the Wells Fargo Agent said she did not see any.. I asked if they had pulled the Video and the Agent said they had not. Since a full research had not been completed I went back to the Wells fargo bank and asked them to file a complaint since it was their ATM that failed and that a complete investigation needed to be completed. The Manager gave me the phone number for their Executive offices so I could call them.. I called Wells Fargo Executive Offices and they gave me a new Claim # XXXX. The agent said that they would try to get the video from the ATM and also see about the register as well. On XX/XX/2018 I received a Letter from Wells Fargo Operations complaint Management Office which claimed they were not able to determine a ATM malfunction. They claimed the ATM was balanced and no cash was found. Additionally they claimed that ATM Video will not determine the bills that were inserted or the ones returned so they will not be pulling the video. Needless to say I am out XXXX dollars and a complete investigation was not done. Furthermore I go on XXXX to find out that Wells Fargo was having a number of Deposit issues at the same time which included ATM 's and Phone Deposits via Scanning. It is my opinion that the Bank did not do all that was needed to complete a through investigation. Please help
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 bank accounts with Capital One, one is an individual and the other is a joint with my wife. I had unauthorized charges on my debt card that is linked to my individual account. I called and notified Capital One as soon as I saw these charges on my account. Capital One was not able to resolve the issue within 10 business days and gave be provisional credit while they investigate. I was contacted on XX/XX/XXXX by an investigator regarding the unauthorized charges. He asked if I could file a report with the local authorities. I explained to him that I was in my car and asked if I could do it on Monday when I got back in town. He stated that he really wants me to do it sooner than later. I then told him that I will try to get it down online when I get to where I was going. When I tried to file the report online, it stated that this type of report can not be done online and it has to be done my mail or in person. On Saturday XX/XX/XXXX, I realized that my individual and joint account were both frozen. I called Capital One to find out what is going on and they told me that I have to speak with the representative that put the freeze on my accounts ( this was the representative that I spoke with the day before ). On Monday XX/XX/XXXX I called the representative a number of times and left a number of voicemails. Finally I was able to get ahold of him through a service team member. He said that he has up to 72 hours to call me back but, since he has me on the line he would answer whatever questions that I might have. I ask him about the freeze and he admitted that he did do it. I explained to him that I could not do it online and that I had to either send the form in or do it in person. He then stated that's not what he told me to do. He stated that he told me to do it Friday, which is not correct. I let him know that he can not freeze my funds on my accounts. He said that he will continue to have all of my accounts frozen, including the one with my wife, until the investigation is complete. This violates my rights under the Electronic Fund Transfer Act ( EFTA ). Under EFTA V. Consumer Liability and Error Resolution ( 12 CFR 1005.6, 1005.11 ) it states the process and procedures on how a bank is supposed to act. Capital One is not doing this.
Consumer complaint received 2018-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Optimum Outcomes, Inc. (TX)

Optimum outcomes inc robicalled at XXXX on XX/XX/2018. When going through the prompts the voicemail for the number transferred to is full, they have called numerous times Day and night all robocalls with no way to contact anyone.
Consumer complaint received 2018-09-26
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. (MI)

On XX/XX/2018 XXXX XXXX XXXX XXXX reported to the Credit Repository Agencies that I opened an account with its entity on XX/XX/2018 in the amount of {$15000.00}. 

I have not ever contracted any business with this company. I have not ever received any consideration from this company. I have not ever signed any agreements with this company. 

I believe that this company is committing an act of fraud with knowingly placing invalid information of my personal credit profile. This company has violated Title 15 USC 1681s-2 ( a ) ( 1 ).
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have several issues. When I first took out the loans in college I was not informed at all, now due to the high interest rate ( My interest rates are 8 %, 11.5 %, 11.5 %, 11.5 %, and 11.5 % ) I owe over {$100000.00}. Every time I have asked about ways to lower the payment because I can not pay over {$1000.00} a month I was always told there is nothing they could do. Navient ( Sallie Mae ) are making threatening and harassing calls to me, my co-signer and other family members which they should not even have numbers for. They have somehow gotten my Vet XXXX aunt 's number, my mothers number, my husbands number. My co-signer is my XXXX something year old grandmother and they threaten to put her in jail, take her house drain her retirement. I have five separate loans to Navient and just now have gotten 3 of them in a hardship repayment ( still paying almost {$200.00} a month ) yet to add the other two this is still over {$500.00} a month and I can not afford that. They are still sending threatening letters and making harassing calls to my grandmother tell her they are going to sue her if she does not make the payments.
Consumer complaint received 2018-09-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-09-26
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: SYNCHRONY FINANCIAL (FL)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an account established with his information without his consent. An inquiry was also conducted into his credit XXXX credit report to help establish this account XX/XX/2018. A formal dispute of this was sent to SYNC/XXXX XX/XX/2018 certified mail with return receipt and as of this date SYNC/XXXX has failed to send a reply or an update as to the status of the investigation.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

Credit alerts from Citibank keep appearing my XXXX  - XXXX account. The reason is mysterious and Citi refuses to provide useful information or any correction or removal. My inquiries and complaints by phone got nowhere ; both XXXX and Citi blame the other and neither knew what a " New Tradeline '' was. 

A postal letter to the department Citi advised ( attachment ~1 ) got a reply that essentially said " we're right, you're wrong, gripe all you like. '' ( Duplicate replies on XX/XX/XXXX [ attached ] and XX/XX/XXXX [ not attached as redundant ] ) ( attachment ~2 ) ./ A further inquiry asking for specific information got an irrelevant reply with no answers ( attachments ~3 and ~5 ). 

The attachments should be self explanatory. Please read in order of ~1, ~2, ... .. 

NOTE : The latest " New Tradeline '' in attachment ~6 appears to be my latest payment with the cents dropped, but the " Affected by natural or declared disaster '' is a mystery as applied to my area, but may apply to Citi 's offices. It's still a mystery why it would generate a " New Tradeline,  '' especially after the bill was paid.
Consumer complaint received 2018-09-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been fighting an account with XXXX and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from XXXX and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

I payed off half of my credit card bill with the promise that the next payment would automatically be taken out the next month ( XX/XX/2018 ) I canceled the card at that point. For whatever reason, the debt collector did not take my automatic second payment which we agreed upon and now I owe a past due amount of {$130.00} in total. I do not want to do this because it was an error on their end. The collection agencies for XXXX XXXX are relentless and they call me all day and all night from random numbers, including XXXX area codes and no name numbers. I spoke with XXXX XXXX about this as well and they were no help whatsoever. I only used this card one time and canceled it with the acknowledgment that the second and last payment was going to be taken out of my bank account in XX/XX/2018 and this is still happening, ruining my credit score and accumulating interest.
Consumer complaint received 2018-09-26
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

I was contacted by XXXX XXXX, who stated they were collecting a debt on behalf of One Main, I was advised if I successfully settled the account they would agree to remove it from my credit bureau. I set up a payment agreement with XXXX for 6 payments to settle. Upon attempting to make my fifth payment, XXXX XXXX changed to a different company and stated my account was pulled from them. I contacted One Main who stated the account was pulled, however agreed to complete the settlement, upon advising them the account was to be settled and removed from my credit bureau they advised me this was not a practice they did, and what XXXX XXXX offered they could not. I told them this was not what the original agreement was basically they are breaking the agreement. Due to already making 5 of the 6 payment to settle, I paid the account off and requested someone in their customer resolution department contact me. I received calls from the rudest people totally disregarding what XXXX XXXX offered. I requested they pull the call and review it so our original agreement could be honored. I was advised that XXXX had changed to a new company and this was not possible. 
I am very upset because I kept my end of the settlement and I expect them to do what XXXX XXXX promised. They agreed that XXXX XXXX was representing them so this should be honored.
Consumer complaint received 2018-09-27
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. (TX)

XXXX XXXX XXXX continues to report a collection to Experian and XXXX  that was removed through dispute process by XXXX. This is causing a huge gap in my credit scores and they should be accurately reporting ( by removing said collection account ) to all 3 bureaus. This is a debt that I was not the guarantor for and any attempts to amend the inaccuracies have come short due to XXXX XXXX XXXX lack of decent customer service skills. The attached email from the original leasing company clearly states the guarantor name. Additionally it states the accurate date of first delinquency which is nearly a year prior to the reported collection. After 2 years of haunting my credit report, this collection must go.
Consumer complaint received 2018-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (TX)

The company XXXX XXXX XXXX XXXX, GAP Program Administrator, XXXX XXXX XXXX, XXXX, AZ XXXX has failed to fulfill their obligation to pay on a claim submitted by the insured. This claim has been ongoing since XX/XX/XXXX. The claim was on a XXXX XXXX XXXX VIN XXXX. The date of loss was XX/XX/XXXX. XXXX XXXX put the replacement cost at {$11000.00}, Less Depreciation {$3700.00}, Actual Cash Value {$7200.00}, Less Policy Deductible {$1500.00}, Settlement Amount {$5600.00}. A portion of the " gap '' amount should have been paid by XXXX XXXX. But to date has not.