davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (VA)

I received a letter in the mail that showed that I might be eligible to lower my house payment, so I contacted the number on the letter and spoke to an agent, XXXX XXXX on XXXX. I initially wanted to roll XXXX loans into XXXX, essentially having XXXX big payment but unfortunately I was unable to do so and XXXX advised me to use the payment from XXXX and XXXX towards my car loan. ( He told me that he would be able to close on my house by XXXX and my XXXX and XXXX payment would be rolled pretty much to the end of my loan. ) After sending all the requested documentation, I was under the impression that everything was handled and taken care of. I was advised by XXXX to stop my monthly payment in XXXX. XXXX I started to get calls from Pacific Union regarding my account. I called XXXX and he said to ignore them, that they were just needing my husband 's information to close on my account ( to show his proof of income. ) I sent him the documentation within hours of him requesting it and went on about my business. XXXX rolls around and I answered a call from Pacific Union. I told the representative that I am refinancing my house and it all should 've been taken care of. I called XXXX and he said that he was unable to close due to some issues ( HE DID NOT BOTHER TO CALL TO TELL ME THIS ) and he said not to worry he is going to fix this. The next day, XXXX calls me back and tells me to make my XXXX house payment. It was already after the XXXX. I do not have that money because I was under the impression that I was able to skip my XXXX CONSECUTIVE HOUSE PAYMENTS so I do not have the money needed. He said that he is going to try to close my house by the end of the week. Since XXXX XXXX he has not called to update me nor inform me as to what is going on with my account. I am now two months behind on my house payment, in a financial hardship, physically stressed out over this whole situation and very upset with the service I have received. I am currently XXXX and have a lot on my plate at work so to have someone tell me that they were going to take care of me and have that all been a lie, it is really upsetting. I am seeking guidance in this situation. I want someone to please explain how XXXX XXXX is able to mess customers credit up by essentially painting a picture and having it all be false hope. I made XXXX consecutive payments and am trying to repair my credit and now I have to scramble to see how I am able to come up with some money to pay towards my house until I get paid again in XXXX. I tried reaching a Supervisor in the loan department and have been unsuccessful and the only number that anyone seems to have is XXXX XXXX 's voicemail number.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-07-12
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: EQUIFAX, INC. (TN)

I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX-XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

Experian has been falsely advertising Experian boost saying that they can use your utility bills to raise your credit score. I signed up for it over a year ago and it doesn't count me paying my utility bills or my insurance payments. I pay them every month and they are not showing up. I tried to call Experian on the two phone numbers I can find to speak with someone about it ( ( XXXX ) XXXX and XXXX ) and I can never get a live agent to talk to about what is going on. The automated system gives me the run around. For something as important as my credit and my credit score I should be able to speak with a live agent when the automated system is not helping me. This is stopping me from purchasing a home and if I am not able to get everything in order my family may be homeless.
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

Navient is the servicer to my federal student loan. Per their internal policy, they apparently can not process paperwork for loans on autopay if they decide to process two weeks before the date of an autopay. This stands in complete contrast to their stated commitment to process paperwork in five to ten days of submission. 
As an example, my automatic payments are deducted on the XXXX of every month from my bank. I filed paperwork showing a change in my income levels on XX/XX/XXXX. Despite calling to push the process along on XX/XX/XXXX, Navient internally claimed they were ready to process on XX/XX/XXXX. However, as XX/XX/XXXX is within two weeks of the autopay day of XX/XX/XXXX ( 13 days, to be precise ), they will not consider the paperwork that has been filed until after XX/XX/XXXX ( and up to five business days after that ). Navient also agreed with me that it could be much later than that, as that " will be the holiday season, and work slows down. '' I am a responsible lender and have made on-time payments in the Pay as you Earn plan for several years. I am shocked that Navient, a private sector company, can not hold itself to a standard to process critical paperwork for months on end. Its client, the federal government, should take action to stop such incompetence.
Consumer complaint received 2024-08-29
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. (GA)

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX This company is reporting late payments on this account this company XXXX account XXXX XXXX responded to a CFPB complaint on XX/XX/2024 confirming that no late payments were reported to the bureau for XXXX XXXX XXXX XXXX  for this account.
Consumer complaint received 2024-08-29
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (TX)

I 've repeatedly gotten calls from Penn Credit Corp. I called today XXXX/XXXX/16 to have them stop calling and talked to a XXXX XXXX who stated she was looking for XXXX XXXX. When I ask for the first name she was very elusive. My name starts with a XXXX, but I have no outstanding bills that a skip chaser would be looking for me. I requested the calls stop and stated that I would file a complaint to insure they did. The address for Penn Credit Corp is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I am Florida XXXX representing a client XXXX in a foreclosure defense case for her home. In XXXX of 2014, my client applied for modification and made trial payments to the designated company. She made all her payments via money orders purchased through XXXX XXXX. The Case was before a XXXX, Florida Judge. The Court was informed of the modification. The Servicer of her loan demanded that the client provide proof of the money orders being cashed. The Client paid additional money to the have the money orders researched and show proof that they were indeed cashed, when, and by whom. This information was provided to the Loan servicer and the Court. The Court issued an order demanding that the modification proceed and that the foreclosure be stopped because the client had complied with the trial payments for the modification of her home loan. 
The Client has reached out to the Loan servicer over a dozen times over the past five months since the Court Order was issued. The Loan Servicer has done nothing but give her the run around and claim that her house was sold in foreclosure and threatened to kick her out of her home despite the Court Order demanding the modification. As her attorney, I filed a Motion to Compel the modification and we are awaiting a hearing on the matter. Meanwhile, the Loan Servicer is now claiming that the Client was defrauded by an unknown company and that her trial payments were made to a fraudulent company and NOT the loan Servicer. They are claiming that even though she complied with all the terms of the modification, the company doing her modification was not real and they stole all her trial payments. The Loan Servicer is basically ( after 14 months ) saying we do n't have to do anything for you because you did not modify through a true company and you were defrauded. The problem is, the client complied over a year ago, paid all the trial payments, filed everything with the court as directed, showed proof of the cashed money orders, and is only now being told that she was the victim of fraud. The Client is an elderly woman that has tried desperately and honestly to do all that was asked of her to make things right. And after all her efforts, she is being told she is a victim of fraud.
Consumer complaint received 2016-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MI)

Navient has been holding up my IBR request on spurious grounds. I processed an IBR request through XXXX. They first denied my application claiming that they were missing a page. How that can happen when they receive it electronically through XXXX is beyond my comprehension. 
So I resent it. Now, almost three months later, they have sent me a denial letter. 
It says, " we 're unable to process your Income-Driven Repayment request at this time because your signature was not included. '' Strange, because the copy that I 'm looking at, which I faxed them on XXXX XXXX at XXXX shows my typewritten signature with the date. 
They are now claiming on my telephone call with them that it needs to be a " wet signature. '' No where on the form does it define signature. No where does it indicate that a typewritten signature is invalid or otherwise makes the contract modification unenforceable. No where do they define " signature. '' ( Thought as a trained lawyer my understanding is that a signature is defined generally as a present intention to authenticate. ) All of my other lenders have accepted my IBR without a problem. Navient is the ONLY lender to pull this most recent excuse out in order to delay and deny my application and force me to reapply. 
[ I have just gotten off the phone with Navient, and they told me a wet signature is needed, but they they would, ( after I told them that I was filling out a CFPB complaint as we spoke ) accept my electronic signature in lieu of a wet signature. ] I am still concerned that they will ultimately fail to deliver on their obligation to process this IBR request, so I 'm submitting this same complaint to notify CFPB of their inaction and delay.
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (IL)

I am livid of the way Well Fargo has handle my loan. I summited a complete modification packet since XX/XX/2016. I when trough the re-entry team and when over my financials. Once I completed the review I was told my file will be summited to the under witer for review.. However Wells Fargo has stop the process recently becasue now they want all my documents to be notorized. Wells Fargo is not giving me an explanation or the reasons why?. Therefore I need to know what are the intentions Wells Fargo has. I am willing to work directly with my processor but I feel they are not willing to work with me instead they want to foreclose my home and prolonging my case. I am in desperate need of assistance I am tired of all the excuses I been given.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CHARLES SCHWAB CORPORATION, THE (WA)

1. Debit Card holder of Charles Schwab Bank XXXX card. NO foreign transaction card, with all ATM fee reimbursement. 
2. XXXX XXXX, 2015, ATM/DEBIT transaction in XXXX, XXXX, at XXXX Bank XXXX XXXX XXXX. 
3. Charged excessive fees on debit transaction. 
4. Schwab has FAILED to provide full breakdown of all fees in over 90 days of repeated requests. 
5. Schwab XXXX of XXXX CAN NOT determine after 90 day investigation who OVERCHARGED the debit transaction. 

6. DEBIT charges are automated which means numerous FRAUDULENT charges are made against many innocent companies. 

7. XXXX WILL NOT COOPERATE nor allow me to contact them. 

8. SCHWAB refuses to provide their XXXX relationship manager!
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

Within two weeks I have heard from KeyBank with so many issues for my accounts. First, I received a letter that an account was opened in my name and called to inquire. She stated that it was closed the same day the letter says it was opened. Then I get a call from the fraud department that an online banking account was made and bills were paid, she inactivated the account but a week later I get mail welcoming me to online banking and reminding me of the offers that were presented when I set up the account. Today I received a letter stating that I have an account with a XXXX balance and so they are closing it and reporting it to the credit bureau. Not an account number I even have or know of!
Consumer complaint received 2017-01-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

2nd Mortgage Payoff I am very disappointed with Citizens One Bank and their payoff of practices with regards to my 2nd Mortgage. It is my educated opinion that Citizens One practices are unethical and not in the consumers interest. I have also filed a complaint, XXXX, related to their practices of mortgage loan payoffs with regards to my 1st mortgage. 

XX/XX/XXXX Payoff letter requested. Interest cost {$2.00} per day, starting on XX/XX/XXXX, until paid in full, please see calculations on supporting documentation. Disclaimer on Citizens One payoff letter states " any outstanding checks or charges that are not included in the above payoff amount are the responsibility of the customer. '' XX/XX/XXXX Closing documents signed. 

XX/XX/XXXX Funds received by customer and Citizens One Bank. Citizens One did not dispute this assumption on my part when I complained about my 1st mortgage payoff. Interest due {$27.00} plus payoff XXXX = {$13000.00}, less that original check amount of {$13000.00}.??, see below. 

XX/XX/XXXX Citizens One generated letter stating my loan was paid in full. 

XX/XX/XXXX Collection letter generated by Citizens One. 

XX/XX/XXXX Called customer service. In speaking with customer service I was told that a check was received for {$13000.00}.??, that it was posted to my account, reversed and returned to the closing agent on XX/XX/XXXX. I was also told that on XX/XX/XXXX a second check was posted, {$13000.00}, which paid the loan in full. At no time was I ever informed that my payoff was short as implied in the payoff letter quote above. Citizens went back to the title company and charge me interest on the loan balance while they waited for resolution. I was also made aware at the time of my call that since my loan was paid in full that Citizens only maintains the loan on their online banking system for two days after pay off so I, as the customer, ca n't see how the final payoff was completed, no transparency. In addition when I asked to confirm the date the original check was received I was told that the only department that could confirm the date was the payoff department but they do not take phone calls and customer service does not have access to that information. 

This entire experience has left me to wonder how much of Citizens One 's interest income is made up of income derived by not applying payoff funds when received, not backdating funds to the date received or by not following through by contacting their customer when funds are short, if it is stated as my responsibility they have a duty to inform me of the shortage. Citizens One practices are one sided, their side to increase income, and are seriously in need of a review of internal controls ( collection letter generated after paid in full letter ). I firmly believe that the CFPB should look into the payoff processes at Citizens One for both their mortgage and consumer loans divisions.
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PulteGroup, Inc. (NC)

I am utilizing Pulte Mortgage to purchase a new house in XXXX, NC and I am providing 20 % down for the loan. I am a XXXX employee that works for a company that does not have a dedicated office within the city that I reside. Pulte Mortgage has requested proof of employment and a copy of my pay stub so that my 'income ' can be utilized as part of qualification for the mortgage. Through my company 's HR department, I have provided to Pulte Mortgage a means to verify my employment and income ( which also includes copies of my pay stubs with my North Carolina address ). Pulte Mortgage has stated that since I am a XXXX employee, in a city where there is no dedicated company office, that they also require a letter from my company, on company letter head that indicates that I have been given permission to work XXXX in North Carolina. My HR department has indicated that this does not follow their standard employment and income verification process and as such can not be provided. I have requested from Pulte Mortgage a copy where this letter of XXXX employment would be a requirement for consideration of my 'income ' within the mortgage/loan process. Pulte Mortgage denied this request and indicated they are following XXXX guidelines ( even though this is not a XXXX loan ) and that they are using a Third Party for the loan. I would like documentation from Pulte Mortgage as to why the information that my employer provides to verify employment and income would not meet the Pulte Mortgage loan requirements to utilize my 'income ' as part of the mortgage/loan process. I would also like documentation from Pulte Mortgage as to why a letter on my employers letter head is required to prove I have been given permission to work XXXX, in a city with no dedicated office so that my 'income ' can be considered in the mortgage/loan process. Lastly, I could not find any documentation on line where XXXX specifically requests a letter for XXXX ' employees from their employers stating that they have been given permission to work XXXX in a state where there is no dedicated office. If this is a XXXX requirement, I 'd like to have a copy of this documentation and I 'd also like to understand how Pulte Mortgage can request this if I am not utilizing XXXX for the loan.