davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I lost my job in XXXX and applied for a loan modification which was granted, I was to have the XXXX payment skipped and would start with a slightly larger monthly payment in XXXX. DiTech took the XXXX payment out of my account causing XXXX $ in overdraft fees. I attempted 6 times to rectify this issue without results. My husband also attempted several times to resolve this issue. XXXX payment was taken from the wrong account causing another XXXX $ fee. I spent over 2 & 1/2 hours on the phone trying to clear this up. Our account stayed overdrawn for several weeks
Consumer complaint received 2018-03-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: APPLE RECOVERY, LLC (CA)

This company had been taking money out of a joint account I had. I noticed back in XX/XX/XXXX that payments were being taking out. Finally I re searched who the call company was and it was loan me which they had taken out about 3500 dollars in money out of my account stating that a XXXX dollar loan had been taken out under my name. I then explained to them that I had no knowledge of such loan they neeeded to send me information in regards to whom took this loan out. I requested this information about 3-4 times but they never mailed nor emailed the information to me. On XX/XX/XXXX I received a call from a collection agency Apple recovery stating they were attempting to collect a debt from Loan me in the amount of XXXX. I proceeded to explain to the gentleman the situation and he put me on hold and stated that they are willing to settle for XXXX so that it can clear my credit and I then can file a civil case against them. I explained to him I wasnt going to pay anything until they provided me with proof of the loan as requested in the past. He then became aggressive and stated I was throwing a temper tantrum and they will start a legal action against me .... I asked him to elaborate on what he meant legal action and he replied Im gon na only ask you one last time how much can you pay today? If cant answer that. We will have to proceed with further action. I am not sure what he meant. I extremely worried about this and would like a resolution. Could someone call me for help in regards to this matter.
Consumer complaint received 2018-10-12
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc. (CT)

Applied online In late XXXX ( date? ) Denied loan due to an unknown credit issue on credit report ( Co-borrower ) Resolved credit issue XX/XX/XXXX Gave XXXX tax returns since XXXX was on extension Appealed for XXXX student loan on XX/XX/XXXX I was contacted to give them XXXX W-2 's on XX/XX/XXXX Sent them XXXX W-2 's on XX/XX/XXXX. 
I was contacted on XX/XX/XXXX (? ) saying W-2 was not in the right format ( as issued by IRS ). To send them original W-2. 
Sent them original XXXX W-2 on XX/XX/XXXX. 
I was contacted by email on XX/XX/XXXX, asking for new information : additional pay stub for XXXX ( I get paid monthly, so I had to wait until end of XXXX. Not sure why this was necessary ), record of tax extension, and additional letter from account holder for credit issue saying it was resolved ( sent hardcopy in original application/appeal? ). 
I did not see the email ( my fault, but I get a lot of spam ). They say I received a voicemail on my phone on the XXXX, which I did not receive ( no record on phone of call or voicemail ). 
They contacted my Daughter ( borrower ) to let me know the issue was open. 
I sent information on XX/XX/XXXX. 
I called on XX/XX/XXXX to see status. They say they did not receive email. I received return email from them on the XXXX, acknowledging ( automated ) receipt. 
They told me they would likely deny me the loan due to their policy of closing requests after 60 days. 
I have called them a few times in the process. They often don't know what I sent them and often asked me for items they already had. More of a sign of problems there, just annoying, but likely a sign of unnecessary delay.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

I feel I was pressured into signing a refinanced mortgage that did not meet the needs and has turned out to be a bad business deal for me and my family. 

Applied for a refinance with US Bank. Process went smooth. Had contacts from online and from a local branch. Main consultant was all done through email. Long story short, I was tricked into a mortgage that had my interested rate raised by almost 2 full points ( 3.75 to 5.01 % ), US Bank claims I declined to setup an equity account yet I specifically asked the branch contact when signing if the payment included taxes and Insurance. She replied, Yes, it does. Come to find out no equity account was setup. Now US Bank wants to fund {$1400.00} out of pocket and raise my payments close to XXXX a month. I would have never signed if this was the case. 

I was never offered to setup an account, and all documentation I have says the estimated payment includes taxes and insurance. US Bank deceived me into a deal that benefited US Bank and not me as the consumer.
Consumer complaint received 2018-04-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

Has been ongoing for 8+ years. I am working at a minimum wage job, checks are already garnished from other student loans.Unfortunately, I have not kep track of everything that has gone one.

This one is different because they are going after my XXXX XXXX XXXX grandma and threatening to everything they can to get money. My mother has been called repeatedly and she is having to block numbers. To-date, 63 different numbers from Navient alone. 

Navient is sending registered letters as well as calling my Grandmother approximately 6 times a day. 

I need help.
Consumer complaint received 2018-10-12
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: Clarity Services (FL)

I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX  and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (CA)

I have this company call me called XXXX XXXX. The called me on my cell phone and on my work phone. They were trying to collect a debt from Wells Fargo and checking account I had in 2003 they had all my information that I can think of personal. They said they were going to serve me to go to court. When I asked for documentation they said they would provide it for me I gave them my debit card which was XXXX and then all of a sudden they did not want to provide me documentation and refused and when I asked for documentation they took it as refusal of payment. I have recorded them and they hung up on me but I did not tell them I was recording them. I attempted to call back and they hung up on me again. Everybody has the last name of XXXX. But they are harassing me at work and on my personal Phone.
Consumer complaint received 2018-10-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (NY)

Money order in the sum of {$1000.00} dated XX/XX/2016, mailed in the XXXX ( New York ) found to be stolen and cashed at the XXXXXXXX XXXX of XXXX with no legible sender and recipient. 
All efforts to have it refunded proved futile and looks XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX on XXXX XXXX XXXX, XXXX NY XXXX with the contact XXXX XXXX XXXX not capable of refunding the money for onward payment to the XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX NY XXXX.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (PA)

On XX/XX/XXXX I discovered my debit card had been used to with withdrawal over {$1300.00} + {$56.00} in fees at at least 3 ATM machines. I had the card in my possession while these withdrawals were being made. I gave no one my card and pin. I believe a skimmer was used to duplicate my card. These transactions were made XX/XX/XXXX. 
I reported and filed a dispute with netspend. I provided everything they asked for. I waited the 10 days to get the results of my investigation and provisional funds. They denied my request and closed the dispute saying no fraud was found. I was notified via secure inbox on the 11th day that my dispute was closed. I can't understand how they came to this decision and closed the dispute..here is why .... I have a limit on my account of {$950.00} per day. whoever stole my info was able to take out much more than {$950.00}, in addition I am alerted via text and email after EACH transaction. I was NOT alerted. This leads me to believe again that someone made a copy of my card. 
Netspend has been impossible to communicate with regarding this matter. They do not allow me to talk to a supervisor or most importantly, anyone in the dispute department. I was told I would definitely get provisional funds and then denied. The info I get from the customer service department varies and I'm often told that the previous representative gave me wrong info. 
This was my entire monthly check..gone. Netspend failed me miserably
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (TX)

Juniper XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Consumer complaint received 2018-04-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IN)

I was a student at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I accumulated XXXX of debt in student loans. This school flat out lied to me. I was under the assumption it would have been less than half of that since I had a lot of credits that transferred, not to mention this school promised me job placement, which they did not! They told me I would be making a lot more than what I do. They gave me false information. The only thing this school did for me is put me in tons of debt and lied to me. I am a single mother of XXXX  and was so excited to get my degree. Until I graduated and realize how much they lied to me. The school is now shut down. Can I get these loans forgiven due to being lied to and given false information that basically pressured me into enrolling. If I would have known that my student loans would have been this high. I would have just stayed at the XXXX college where I did my prerequisites. I feel like I fool that XXXX had done this to me.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

I believe CitiMortgage and XXXX/XXXX XXXX  as " alleged Servicers '' engaged in an ilegal transaction carrying my name Back in XX/XX/XXXX/XX/XX/XXXX going beyond their capacity as " SERVICER '' a capacity as the original deed said Belongs only to the OWNER/INVESTOR of the Documents Deed as it states PAGE10 SECTION 18.

Also the amount Transferred or sold its different from the amount when I got the original Documents back in XX/XX/XXXX. I don't know why CITIMORTGAGE made me sign a different amount that the original amount when I got the original Loan Documents it was for $ XXXX  with XXXX XXXX   and Citibank Made me signed with them $ XXXX  as you see the amount differs.

( It could be because my native speaking language is XXXX and I didn't realized what I was signing back in XX/XX/XXXX, It could be I was taking advantage because I don't fully or understand English ) .I found the original documents I found this information related it to. This complaint inquire is related with the other 2, I filled against the Alleged Servicer XXXX/XXXX XXXX   XXXX  and XXXX.

So when I sent it CitiMortgage a QWR they couldn't validate the correct amount of the debt in this Mortgage account.

I'm attaching the proper documentation because I believe I paid from XX/XX/XXXX  up to XX/XX/XXXX more money for an amount it differs from the ORIGINAL DEED.

I would like the CFPB regulators look into this matter because to me its no right This its UNJUST ENRICHMENT as the other alleged servicer said they cant not provide information where my money its going, they just said the Investor is XXXX XXXX
Consumer complaint received 2018-04-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (FL)

ON XXXX XXXX2017 A SAVING ACCOUNT WAS OPEN WITH MY PERSONAL INFORMATION WITH AN ACCOUNT NUMBER ONLINE WITH NO IDENTIFICATION FROM MYSELF FROM A THIEF THAT USED MY PERSONAL INFORMATION ON THIER COMPUTER IN XXXX   ANOTHER COUNTRY WITH A UNITED STATES ADDRESS ( MY ADDRESS ) BY ALLY BANK IN THE UNITED STATES. CREDIT BUREAU WAS NOT PULLED BECAUSE IT WOULD HAVE STOPED THE TRANSACTION BECAUSE I HAVE A BLOCK ON ALL THE CREDIT BUREAUS. THIS IS A FAILURE ON AN US BANK TO ALLOW ANY ONE BEHIND A COMPUTER TO USE MY INFORMATION WITH OUT PROPER IDENIFICATION OF WHOSE APPLYING FOR A ACCOUNT! THIS IS AGAINST THE LAW HERE IN AMERICA TO OPEN A FORIEGN ACCOUNT ON US SOIL TO TRY MAYBE TO SHELTER MONEY OR LAUNDER MONEY TO OTHER COUNTRIES! THIS FAULTY PROCEDURE OF ALLY BANK HAS BREACH MY IDENTITIY FOR A PROFIT WITH OUT THE IDENTITY FOR THAT SALE. THE COMPANY REFUSED TO SENT ME THE DOCUMENTATION THAT WOULD VERIFY THAT THE ACCOUNT WAS LEGAL BEFORE THE ACCOUNT WAS ESTABLISHED WITH THIER ONLINE BANKING PROCEDURES THAT SHOULD HAVE BEEN FOLLOWED BY LAW!
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

On XX/XX/2017, I filed a complaint against XXXX XXXX with the CFPB ( XXXX ), you investigated and closed the complaint. XXXX XXXX, then gave information about my account to AFNI , Inc., they show the account number ending in XXXX. My credit report indicates AFNI created a phony account on XX/XX/2017, made it look like payments were made and then delinquent after a XXXX. This is fraudulent reporting and having a negative effect on my credit.
Consumer complaint received 2018-04-18
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.
Consumer complaint received 2018-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

DEPT OF ED/XXXX XXXX ( PHEAA ) is who the loans are with. My husband and I are both XXXX  and both have our loans through this company so we can use the PSLF programs to repay our loans. Multiple times we have provided the appropriate paperwork for proof of payments made toward the 120 qualifying payments and the company keeps increasing our payments even though we are on an income based repayment plan and the company is not keeping up with our payments accurately. Keeps saying we need to resubmit the paperwork. This has been going on for over a year! Please help!
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NY)

EOS CCA calls me every single day, sometimes multiple times a day. They claim I owe roughly {$35.00} and that they are collecting on behalf of XXXX. 

I did not trust it to be true at first, so spoke with XXXX and they have no record of ever passing my account on to this agency, especially since I am still a paying customer of theirs on auto-debit. 

I have asked them to stop calling me and continually block every number they call from, but still call from different numbers like I mentioned every day. 

They open the call by telling me that it will be recorded, and then say my name and try to confirm my address. I do not confirm my address with them, but it is very troubling that they have it.
Consumer complaint received 2023-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (TX)

I am disputing this account because I canceled the water service several months ago and requested that XXXX pick up their machine. They are trying to scam me into paying for something I do not owe. I have asked them if they continue to pursue this matter, and I will report them to the appropriate authorities. 

Please assist.
Consumer complaint received 2018-04-18
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: EQUIFAX, INC. (WA)

I filed a dispute with Equifax concerning a collection account by XXXX XXXX and XXXX XXXX. The same company. At the same time I sent a Certified letter to XXXX XXXX XXXX wanting a " proof of claim ''. I also sent a " cease and desist order '' to them. They did not supply any proof of claim and ignored the demand. During this time XXXX XXXX XXXX AKA XXXX XXXX sent a notice to Equifax saying the collections account was valid. They did not supply ANY PROOF of their claim. Equifax says the collection agency is not required to do so. This is completely ludricrous. That the most dishonest agencies on the planet are allowed to ruin somebody's credit and all Equifax has to say is they report what a collection agency says whether it is correct or not. On XX/XX/2017 my credit score rose by 28 points back to what is was before. But Equifax left the collection agency on my report. After I told Equifax I am disputing the collection agency 's results and told Equifax that I was filing a complaint with the CFPB they immediately lowered my credit score by 28 points the same day. It is completely clear Equifax is Retaliating against me for daring to say they made a mistake and demanding another dispute be filed with the collection agency. Equifax does not have the legal right to retaliate against me for daring to not agree with them and demanding they fix the situation immediately.
Consumer complaint received 2018-04-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I attended XXXX XXXX XXXX XXXX XXXX FL campus in XX/XX/2007 and got a loan from Sallie Mae  for approximately {$7000.00} later I graduated from the school and the school declared bankruptcy and didnt do any of the job placement help and everything else they offered when signed up. To make matters worse I have been paying on a bloody subprime loan over 13 % interest rate for over a decade and owe more than I did when I first went to school at this rate I feel my mortgage will be paid off before this loan they put most of the funds to interest and my payment is XXXX a month to make it all worse I called for a settlement and they suggested I have to be delinquent before I can negotiate my debt. Horrible company ripped me off. Sallie Mae now Navient
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (FL)

On XX/XX/XXXX23 a wire transfer in the amount of {$13000.00} was sent to XXXX Discover Bank savings account. Below is the wire information. 

File Number : XXXX Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX Borrower Name : XXXXXXXX XXXX  Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Fed Ref XXXX : XXXX Receiving Party : XXXX XXXX XXXX Date Sent : XX/XX/XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Although all the information is correct on the wire confirmation Discover Bank rejected the wire because the name was my Co. name and not my name. 
It has been 8 days and all discover says is that the wire was rejected and return yet no funds have been credited to the senders account. 
This is ridiculous how they can keep and play with other peoples money and not suffer any repercussions. 
When one sends a wire the money is deducted from the account immediately yet they keep it for as long as they wish when its to be returned.