davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I purchased a XXXX garage door through XXXX. The installer XXXX XXXX XXXX installed damaged panels instead of alerting me to this and installing non-damaged door panels. Furthermore, even by their 3rd visit they still did not install the door hardware or even use the proper bolts, and they damaged the framing of my house too. 
Some how XXXX, my credit card issuer, has ruled in XXXX 's favour even though XXXX never even sent in any documents! I though sent in 2 letters with photos of the damage and lack of door lock, handle and kickplate! I was told by USAA that I can have the case re-examined by receiving a phone call from the Disputes Analysts assigned to my case ; I said fine as long as they do not call my on my XXXX ( sun down Friday to sundown Saturday ). Lo and behol they call me on my XXXX ( Friday XX/XX/XXXX at XXXX )! The Disputes analyst left me a vm with her call back number and extension. BUT the phone number she left has a system that can take extensions of only XXXX numbers! I called the regular USAA ph number and that rep gave me the direct number to the disputes department. Calling this number I was indeed able to put inthe whole XXXX digit extenson number but every time i call i get her VM and no return phone call!!! 
XXXX | XXXX | XXXX My current call log : XX/XX/2017 - left vm @ XXXX XX/XX/2017 - left vm @ XXXX XX/XX/XXXX - left vm @ XXXX & with general VM too USAA is constructivly ignoring me and enying my my contractual rights.
Consumer complaint received 2017-04-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

Chptr  XXXX  dismissed mid  XXXX    XXXX  , out of bankruptcy had others debts owed. A decrease of my income  XXXX  job loss. Applied for loan mod during that time  Ocwen den ied me to try at a later time. There is an increase in expenses and supporting my sons younger brother as their mother passed away. He had medical issues needed counseling, medications and my savings exhausted. I wor k 36 h ours per week.My name is the on ly one on the   mortgage. I pay most of the house expenses. My spouse has a pending work meeting and not guaranteed to be employed. I need assistance in my mortgage. Loan account #  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX  CO  XXXX  End of  XXXX    XXXX   submitted  to Ocwen Loan ser vicing a modification package.  XXXX   XXXX   XXXX  my name the onl y   one  on the loan/deed. Accou nt Loan  #  XXXX . My spouse has been in contact with kynan fernandes relationship manager. Each phone call request different docs.   I contacted attorney as having issues with Ocwen. The I received a phone call  XXXX / XXXX /  XXXX   rec 'd call from  XXXX ,  XXXX , name  XXXX   XXXX  with ocwe n Loan se rvicing we had been approved for a loan modification and need to pay the attorneys fees in order to get the loan package out to us for signature. It was quoted to me via phone conversation with  XXXX   XXXX  an approval for a 30 year fixed rate for 3.75 % with a all payments in arrears added to end of loan. The monthly mortgage payment would be {$730.00} a month for the 30 year fixed rate.   I contacted the attorney, I had been in touch with he said take thr offer. I contacted  XXXX   XXXX   XXXX  stated  " Ocwen Loan servicng when calling me " I was given two name of attorneys to forward funds 1 ) {$850.00} to   XXXX   XXXX   XXXX   XXXX  receipt #  XXXX   XXXX  Fl, sent  XXXX / XXXX /  XXXX  , next funds sent to different person as  XXXX   XXXX  stated our case was with a different attorney now need to send {$730.00} to be sent to  XXXX   XXXX  receipt #  XXXX ,  XXXX  Fl both money transfer funds were picked up. Then the modificatio paperwork would be sendt out to  XXXX  to sign. I tried to contac t Ocwen. I was informed by Ocwen Loan servicing no one by those name   worked there and no money received from me. Now i have been served paperwork from attorneys pending funds foreclosure/ have less tha 30 days to respond.   I was scammed reported to federal trades comission and to date working again with an attorney to help me in the loan modification process. There has to be some resolve in this situation people work hard to keep their home circumstances happen in life that are no control of the homewowne rs. Ocwen is one of the worse companies an owner can work with. My husban d is trying to get a resolve on a fixed interest rate with a lower payment due to decrease in income and work hours. Can someone assist us. I have been in contact again with an attorney to try and help get the matter resolved.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I received a Tier 1 hamp loan modification for my home from my servicer SLS. I believe they have violated Hamp guidelines in this process. The value and money owed is more then XXXX % they have now is not within LTV guidelines. Having made the trial payments and additional XXXX months payments and they still do n't report them. 
I have requested they vacate the foreclosure judgement and have I never received any response. They have ruined my credit by not removing information on my record
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion itself has been fairly easy to work worth over these passed few months but i am pretty sure they are reporting a debt that is over the statue of limitations. This is a debt owed from 2005 and I am sure they should not still be reporting it.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

My husband and I consolidated our student loans and went into default again. He has a garnishment on his wages that total {$190.00} per week. I called Pipneer Recovery to see what we can do to get out of this debt quicker. The woman told me we could pay {$540.00} per month MORE and we would be out in 25 years. That is {$1400.00} per month. I want to know my interest rate and she could not provide me that information. I asked her if we left the garnishment to pay the loan off when would it be paid? She said it would never be paid off. 
Is this true? It is financially hurting to have that much taken out of his check to learn he will never pay it off. Help please
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

for 4 yrs straight they garnished my full tax refunds from XXXX ( each yr i was getting back over {$4000.00} ) and years after partially garnished. 
I am still getting mails about a balance am owing and I was making payments biwkly in XXXX and XXXX.Now when I logged on to website is showing all of a sudden I have a zero balance.
Consumer complaint received 2016-07-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

I just started using American Express Serve. I went to XXXX of their advertised XXXX ATMs to withdraw {$400.00} to pay rent and the ATM malfunctioned, giving me an error message but no money. When I contacted American Express Serve they told me that the funds had been withdrawn from my account and that it would take up to 45 business days to investigate the matter and possibly 10 business days to credit my account. This issue happened on the XXXX. It is now the XXXX and American Express has no update on my claim. Every time I call customer service they just give me the practiced customer service apology but they can not help me. They can not transfer me to the claim department since they do not take calls. I need this mater resolved. I need access to that {$400.00} at this point to feed my family. It is not my fault that their ATM malfunctioned. I having nothing to do with there procedures and policies. All I know is that I need to feed my family and I had entrusted American Express with my money which they will not give me access to.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I 've had on several occasions, problems with my payment to hit my account. I called Navient the past two months wondering why my normal monthly payment of XXXX dollars says XXXX dollars on my Navient app. They would tell me they did not recieve a payment then put me on hold for a brief moment. Both times the representative came back on and told me he found my payment but it has n't been confirmed yet. I questioned them multiple times why I have to call every month asking why my payment is not up to dat. I was hoping somebody would catch on to their antics. I just hope I have n't lost miney because I 'm a very dedicated customer.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

While my loan was with XXXX XXXX I received information that if all payments were made timely, several months of payments would be forgiven. After uploading several documents to the Navient site and having multiple phone calls with them, I was told the program did not apply to my loan anymore.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

There is a debt on my credit report that does not belong to me, the credit report had removed it as they can not validate the debt, but to my surprise two weeks ago they added the debt back to my account without given me a written warning nothing to validate that this debt is mine. The credit bureaus continues to violated my right. I need help as I would like to take them to court for failing to validate a debt but then placed it back on my credit report
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

On XX/XX/2016, HSBC Mortgage ( or their subsidiary, XXXX ) issued a check to their third party vendor, XXXX XXXX XXXX for the payment ( {$1500.00} ) of my property taxes. Eleven days later ( XX/XX/2016 ), I sold the property, and was required to pay the property taxes ( pro-rated ). The funds from this transaction ( the amount I paid at closing ) posted XX/XX/XXXX, and I began contacting HSBC shortly thereafter to begin requesting my refund. The XXXX County Tax Department confirmed they never received a payment from XXXX or HSBC. 
Despite weekly calls, escalation to supervisors, and countless promises to " expedite '' the handling of my request, I have yet to receive any funds. What 's worse, because of the heavily automated processing of refunds used by HSBC, although they can confirm they received a refund from XXXX on XX/XX/XXXX, they can not tell me ( a ) where the funds are now, ( b ) when I should expect to see them, or ( c ) the name of a human who can issue a check. 
My belief is my rights are being violated in much the same way as those who lost their homes during the Great Recession due to banks heavily automated processing of transactions, in that case, foreclosures. This is a substantial amount of money which is essentially being " held hostage '', with no release in sight. Being without this money owed to me has caused me to ( a ) miss out on investment opportunities, ( b ) spend countless hours on the phone with individuals from HSBC who claim to be " powerless '' to do anything. It is my contention that no refund process should take this long, and XXXX ( for having unreasonably long processing times to issue payments/refunds ) and HSBC are profiting from having my funds at their disposal. 

*Disclaimer : The servicing of my account was transferred to XXXX on XX/XX/2016. However, the aggrevating factor and salient point here is HSBC has failed to issue a refund to either me, or to XXXX as of this writing, so I do not feel XXXX is culpable int this matter.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I am deeply disturbed by the recent news that the Navient, formerly XXXX XXXX is going to be subject to enforcement action by the CFPB due to their business practices. Both my wife and I have a consolidated account with them and want to pursue assistance to deal with the unfair and deceptive business practices of that company. We consolidated in XXXX under duress and with no options or discussion of the impact of that decision. Due to our financial situation at the time, we were told that deferment would be the best option and at no time was any income-driven plan discussed for repayment. We spent MANY hours on the phone between XXXX and XXXX in attempts to resolve our situation, or work out a solution, but it is clear there were other options that were not discussed. In addition, because we consolidated accounts as spouses, we are not able to apply for public-sector forgiveness that is available to others working in our same jobs, solely due to the fact that we consolidated under the direction of XXXX XXXX. Between XXXX and XXXX we accrued interest and late fees totaling approximately {$20000.00} as our balance in XXXX was {$58000.00} and in XXXX it was approximately {$78000.00} ; we have been working to pay that down since then and our current balance is {$71000.00}. I am requesting your assistance to reduce our loan amount due by that amount as we have suffered excessive charges that would not have been applied to our account had this matter been discussed. Finding proof that XXXX/Navient appears to have deliberately acted in ways such as this is sickening as it directly impacts our family 's financial future. Thank you for your assistance.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I have been complaining about this company and their servicing of my student loans for years! Please add me to the list of people who deserve to be rewarded for having to deal with them. They have caused me a great deal of pain over the years and it continues to this day. Thank you for finally protecting the consumer. I believe I would be an excellent person to testify against Navient/XXXX. Please contact me if it is possible to be a part of this lawsuit.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CT)

I contacted American Express about numerous unauthorized charges on my XX/XX/XXXX-XX/XX/XXXX statements, and requested they investigate these charges. In two or three instances, after months of investigation, they apparently determined that my objections were correct, and removed the charges. However, they have continuously demanded through phone calls, robocalls and letters that I pay the full balance. When I requested that they cease their robocalls at strange hours of the day and night, and instead continue to investigate the disputed items, they declined to do so, and instead reported my alleged delinquency to the credit reporting agencies, denied me the opportunity to continue charging even though I have a Platinum Card for which I pay an annual fee, and finally cancelled the card. I spoke to them about 2 weeks ago and urged them to continue their investigations of disputed items, and told them I would pay what we would agree as to the amount owed, minus a sum for the unwarranted damage to my credit reputation caused by their irresponsible actions. Their response was to continue the robocalls, cancel the account, and then offer me a new ( but inferior ) card only if I paid their bills in full, plus usurious interest charges and late fees.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

After XXXX XXXX failed to submit my paperwork for consolidation, my loans went into default and my credit took a steep dive. I switched to Navient and got my loans consolidated. Everything seemed fine at first but then came to " income based repayment option. '' After submitting for lower payments based on my income, I was sent information stating that my payments would be nearly $ XXXX/month and the only way to avoid making such outlandish payments would be to sign up for forbearance. I did and I was never told by doing so the interest in my loans would keep accruing. I do n't know what else to do to lower my payments except submit pay stubs as they suggested and reapply for lower payments.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I added my sister onto my checking account because she was still in school, and I needed to send her money the easiest way. She ended up meeting some guy who told her about some way to make money on the side, all he needed was her debit card. He ended up depositing bad checks in the account at ATMs nowhere near where I lived, and the checks bounced after the withdrawals were made at ATMs nowhere near me, and the bank denied my dispute - placing me on XXXX. Now I can not bank anywhere for something I did not even do.
Consumer complaint received 2017-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I booked a bus ticket for XX/XX/XXXX with XXXX from XXXX, PA to XXXX, PA via their website XXXX using my Bank of America debit card. I am a frequent traveler on XXXX and I always received an immediate confirmation via email. However, I used to always pay via credit card but this time I paid via debit card and I did n't receive an email confirmation. XXXX website has no option to chat online or send emails regarding this particular issue. They do have online contact options for other issues but none for payment related. So I called the number listed on their website XXXX and spoke to a customer service rep about XXXX XXXX  on XX/XX/XXXX. He said he could n't do anything about it and connected me to another department saying they could resolve the issue. It was an IVR ( Interactive Voice Recording ) and it basically said no one is available at that time. Since my bus was for the next day, I bought the ticket again using my credit card and this time got a confirmation email immediately. In the next couple of days I called the XXXX number about 3 times only to get the IVR and I realized that this issue was going no where. So I raised a dispute with Bank of America onXX/XX/XXXX. Its Claim ID is XXXX. On XX/XX/XXXX,  Bank of America resolved the claim in the merchant 's favor and closed my claim. I am attaching 3 documents : ( 1 ) Bank of America transaction stating that the amount for XXXX was debited onXX/XX/XXXX even though booking was done on XX/XX/XXXX. This proves that the transaction never went through for 2 days and was successful after the travel date of XX/XX/XXXX. ( 2 ) XXXX credit card statement showing the amount for XXXX was credited onXX/XX/XXXX ( this is the 2nd time I had to buy the ticket since I did n't receive confirmation from the debit card purchase ). ( 3 ) Email confirmation from XXXX who process the payments for XXXX on XX/XX/XXXX XXXX XXXX for the payment done via credit card. Never got an email from XXXX or XXXX for the debit card purchase.
Consumer complaint received 2016-06-26
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I paid off my car loan with Santander Consumer with a agreed payoff. I received a letter which I can provide with the agreement information, I payed the agreed payment but on my credit report they are reporting account paid with charge off/ write off amount. Obviously this is drastically hurting my credit and prohibiting me from obtaining any type of loan. The reporting from them is completely inaccurate and a direct breach of contract. I have contact Santander several times and they keep stating they have no record of my account or social security number so they cant help me. Their practices are totally unethical and I could only imagine illegal. I would appreciate any help with getting this properly fixed.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

My monthly payments were applied late. Therefore the system marks it as not paid. After having this issue for several months and calling about it they said I needed to pay my bill 10 days prior. I might not have the money at that time to do so. Because of this they now say I 'm not entitled to have my loans at the locked-in interest rate which I 've had since 2006. So because their system is flawed I 'm penalized because I ca n't pay 10 days prior to the due date?