davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

This is my second complaint to the CFPB, first complaint case # XXXX, regarding Navient Solutions Group. I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. It is now XXXX/XXXX/XXXX, and I am in complaint again about Navient. This company has reported me again to the credit bureaus, it was reported to XXXX Credit Bureau on the XXXX of XXXX. The information reported in error was that I was 60 days late with payment, which is totally incorrect. I filed a loan forgiveness with the federal student loan to discharge my federal student loans, which was granted more than a year ago. I filed a loan forgiveness with Navient and the request and application went unanswered. till this day I have not received the status of my student loan forgiveness application with Navient. I was told by a representative at Navient to continue to make my regular monthly payments until my application has been decided, so I did. the first I was reported to the credit bureaus it destroyed my credit. I was unable to refinance my home, I was stuck in a rut. The first time I was reported late to the credit bureaus I had made payments on those days. The damage that Navient caused was irreversible. XXXX of the credit bureaus XXXX initially removed the negative information from my credit report but XXXX never did. Since then XXXX is the only company that has kept the negative information off my credit report. Navient is detroying my credit report and I may never have the opportunity to refinance my home.
Consumer complaint received 2017-02-13
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC (IL)

I financed a vehicle from JD Byrider XX/XX/XXXX, when I purchased this vehicle I also had my payments automatically deducted from my bank account. I still to this date XX/XX/XXXX, have this set ujp on my account. XX/XX/XXXX there was a new employee at my finance company assigned to my account, who began to call me regarding my payment, I explained to her that she did not have to call me regarding my payment, my payments are automatically taken out of my account. She continued to call me regarding my payment anyway, as well as asking me if the funds are there, I then would hang up on her. I would later receive a call from my sister telling me that this same woman called her stating she was trying to get a hold of me regarding my auto payment, and when I arrived to work my supervisor informs me that this same individual called my employer regarding my auto payment and insurance on my veihcle. My supervisor explained to her as well as I have that I am not to receive these calls on the job and the woman explained that she was fully aware of that. I then contacted XXXX manaers regarding this issue, and the phone calls stopped for a few months. She then began to call regarding my insurance on the vehicle I explained I have an XXXX insurance you do n't have to verify that with me you can verify that through the state if you want to know if I have insurance. Here we are XX/XX/XXXX and she is calling me regarding my auto payment again. Nothing on my account has changed, my payments have been taken out of my account for a few months with no problem and she is harassing me about my payment again. When I spoke to the XXXX managers they both confirmed that it shows on my account which debit card to deduct my payments from and both confirmed they did not know why this individual is calling me regarding my payment. She wo n't stop harassing me and I need assistance.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Berman & Rabin, P.A. (KS)

The person ( XXXX XXXX ) called and identified herself as an attorney. She demanded personal information from me, such as birth-date, phone number, address, etc. but would not tell me why she was calling. I asked man times for her to tell me but she said that because this was a lawsuit she had to verify personal information. She was very rude and harassing. She intimidated me into giving her personal information and them identified herself as a debt collector. At this time she told me she was recording the call. She told me that I need to pay in full at this time. I told her I was n't sure about this debt and did n't know if it was mine. She demanded it to be paid in full. 
I believe that she can not represent herself as an attorney and that she must let me know the call is being reordered. She was threatening about what would happen if the debt was not paid in full. The company she is with is called Berman-Rabin and the phone number is XXXX.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RS Clark and Associates, Inc. (TX)

I was a victim of identity theft and noticed a collection from RS CLARK I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RS CLARK in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had an account with XXXX XXXX XXXX XXXX in XX/XX/XXXX, first reported delinquent XX/XX/XXXX and written off by the company in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX purchased the debt. I was not aware of this until recently checking my credit report. They are reporting the date the account was opened as XXXX XXXX, XXXX and continue to report delinquency up to this month XXXX XXXX. I have disputed this several times with the credit reporting agencies and they are doing nothing about it. This debt is being reported incorrectly by XXXX XXXX XXXX as the debt is too old to show on my credit report. I called the original creditor, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX to confirm the dates and they stated the debt was too old and should not show on my credit report by XXXX XXXX. Since I am getting no help when trying to communicate with the credit reporting agencies, I am filing a complaint with the CFPB. I appreciate any help you can give to correct this issue.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

To begin, my previous dispute with the Consumer Protection Bureau against Transunion was not properly addressed. Originally, I demanded validation from the following creditors : XXXX XXXX and XXXX XXXX to prove the amount they seek to collect is valid. They have not provided any evidence or information to me to substantiate their demand for payment. Transunion did not provide an explanation of how they verified the creditor has complied with my validation request to allow them to continue reporting the information. All Transunion has done is describe how TransUnion verified the balance due. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the creditor 's compliance with MY DEBT VALIDATION REQUEST. 

Although, it is not Tranunion 's obligation to mitigate disputes between consumers and data furnishers, it is Tranunion 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; the creditor can not report information that they can not validate to me, the consumer, after I have requested it. This letter is advising you that the company has not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the continuation of reporting their furnished information. 

Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I own and operate a conglomerate that focuses on the acquisition of well performing small businesses and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I payed {$450.00} to have their appraiser appraise my home, to have my pmi removed from my mortgage. I had no choice but to use their appraiser. The aprraisal came back XXXX under comparable homes. They apparently used the XXXX properties that would be in the banks favor to prevent me from having my pmi removed. And their appraisal is final. When I complained to Bank of America, they told me to go refinance with another bank if I could. If I knew the process was so flawed I would never of spent the {$450.00} on the process! My appraisal of my property was XXXX and witg the included document you will see that the median of recent sales is XXXX.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

I received a letter from the Collection Bureau of Hudson Valley in late XX/XX/XXXX regarding a debt from services rendered at the Hospital from XXXX ( XXXX ) in XX/XX/XXXX. I responded immediately by returning their form with on which I communicated that XXXX had been paid on XX/XX/XXXX ( within 3 months of the date of service ). This led me to be bewildered how there could have been any attempt to collect a debt. I also provided them with the transaction number from my bank and asked them not to contact me again. 

On XX/XX/XXXX I received a call from the Collection Bureau of Hudson Valley again trying to collect this debt. When I spoke to their rep, I confirmed they received my response to their letter on XX/XX/XXXX and that they were aware that FTC regulations prohibit them from contacting me again until they verify the debt. Even so, I have become subsequently aware that as I had already asked them not to contact me again, they should not have done so.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened up a Citigold account in late XXXX 2015 when they were offering a promotion for XXXX thankyou points. The terms of the promotion were that in order to receive those points, I would have to open the XXXX account and make 2 consecutive bill payments within 60 days, which I did. I confirmed with XXXX their customer service representatives, on two separate occasions, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. However, just a couple days ago, I received another message from a XXXX customer service representative saying that I was ineligible for the promotion and would not be receiving those XXXX thankyou points. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX thankyou points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express had a promotion for signing up for a Platinum Card ( {$450.00} annual fee ), the promotion was that if I spent {$3000.00} in the first three months of the card I would get XXXX American Express Membership reward points. I signed up and met the {$3000.00} threshold in the first month, in fact spent {$4000.00} on XXXX transaction ( football tickets ). American express promptly credited me with XXXX Membership Reward points to my account ( XXXX/XXXX/16 ). 

Recently ( XXXX/XXXX/16 ) they took back the XXXX points in my account saying that I committed fraud to get the points and they were taking them back. At no time did I commit fraud, the only event that happened since earning the points was that I downgraded the Platinum Card to an Everyday American Express card. The reason I did this is that I discovered I would not be accepting a new job where the travel benefits of the Platinum card would be beneficial to me. At the time of cancelling the Platinum Card, I explicitly asked the American Express rep in our chat if I would lose the points by cancelling. The rep for AMEX said that I would keep all the points since I am maintaining the AMEX everyday card. This was a chat conversation that I know AMEX has the records to look up the exact conversation with details. Clearly I was lied to by this AMEX rep and would have kept the card open if the rep told me by cancelling I would lose the points. Which they did not! 

Upon having the points clawed back I contacted AMEX on why this happened and if they could fix it. AMEX would only respond that it was fraud with no specifics or evidence and they could not do anything to get my Membership Rewards points. I am a 20 years customer of AMEX and not some alleged Grifter. I feel that AMEX has committed their own fraud by not fulfilling their obligation of my XXXX Membership Rewards points offer. Furthermore, even when clarifying the situation before cancelling the Platinum Card, they lied again by telling me that I would keep my points by downgrading to the AMEX Everyday card. 

AMEX should honor their offer and reinstate my XXXX points as they are the only party committed fraud here by not honoring their own offer obligations.
Consumer complaint received 2017-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Asset Management Group, Inc. (CA)

This company has been repeatedly calling my sister, my place of employment, and myself. They have left messages and refuse to stop calling. I XXXX the information that they provided to my employer and found that other people are having the same issue. My employer got a call from a woman named, XXXX from " XXXX ''. This woman gave them a case or reference number for my " case '' - Ref # XXXX. I tried to call the number back and the voicemail stated that this company was called the GF Group. I have found no real information online about this company. All I have found is other people stating the same things were happening to them.
Consumer complaint received 2016-09-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (MI)

I refinanced an FHA mortgage through XXXX bank. Nationwide ( the current mortgage servicer ) is charging me interest through the end of XXXX and PMI through XXXX. According to the XXXX websit, FHA refinances no longer require this. I called Nationwide and they gave me no alternative, stating that it is FHA policy.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

XXXX XXXX ( Original Creditor ) sent accounts to Paramount Recovery Systems. XXXX accounts are reporting from them and some removed and some not. The amounts were {$450.00}, {$420.00} & {$360.00}. The {$450.00} was not filed with my insurance correctly and due to the time frame i never received any communication that I owed any amounts. {$360.00} I did not have insurance and on the documentation provided their records states do not file but they put on my credit any way. This was to be cleared as a charity case as this is what information I signed stating this would be taken care of. Now the last {$420.00} ( visit in XXXX ) was never filed through my insurance until a year later ( XXXX ) and XXXX verbally assured me that it was their fault they did not file it properly as they had already had my insurance information. They updated the balance on my credit to {$97.00} but i was assured I was not liable for this as the claim was written off. I am very frustrated as i have disputed this with the credit bureaus and they are refusing to delete or stating the information is correct. Since then I paid the crazy {$97.00} even though I felt as though i should not because this was not my error and I again never received a bill stating the balance. I only have my XXXX. This creditor is hindering my chances of getting a home and its frustrating when i tried to work with both XXXX and PRS and got no where. XXXX stated they would inform PRS to delete this entry but PRS stated they were looking into it and never got back with me. I am furious that the Credit Bureaus XXXX & XXXX care nothing about the proof i have sent over and over yet they keep these collections on my account.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (WA)

Ocwen has not responded as to how they are going to rectify the fact that their mistake or lie, upon which we relied and made financial decisions, will cost us a considerable amount of money, more than {$85000.00}. Did they lie to keep us in the house at a time they were being investigated and did not want a foreclosure or deed-in-lieu? Their attorney suggested this. We stayed in the house with a non-recourse loan, spent {$50000.00} on it and it needs another {$60000.00} spent on it and did not move to a new home without {$90000.00} in negative equity because they told us we had {$85000.00} in forgiveness or equity. Then 2 years later, when asked for paper work they told us we did n't. This not just about money, but also heart break. By my calculations, today this deception would cost us over {$200000.00}. Where is our restitution? Is their a group or agency I can go to, to pursue this matter?
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My sensitive private information ( including SS number, DOB, name, and address ) was hacked due to Equifax 's insufficient measures taken to protect this information. I now must incur substantial fees and lost time to make sure my identity does not get stolen.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express policy of membership reward point forfeiture in the event of an involuntary card termination is not enforceable under consumer law. Although my card was recently involuntarily terminated, due to a bankruptcy filing, the account was in good standing XXXX since XXXX ) and the reward points balance was approximately XXXX. Had I received any amount of advance notice, these points could 've been easily been redeemed. 

My bankruptcy has been dismissed, with no debt discharge, yet American Express refuses to re-instate the membership rewards balance and permit a one-time transfer. 

Please help.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage lender of less than 5 months, Specialized Loan Servicing ( SLS ) filed a NOS on my property. They approved me for a loan modification and did not allow me the timeframe needed to complete the approval process before they filed a sale date of XXXX/XXXX/16 on my home!! The minute I told them I was working with KEEP YOUR HOME CA, they escalated their sense of urgency to foreclose on my property. I was given 3 weeks notice they are going to sell my home on XXXX/XXXX/16. They refused to postpone the sale date to allow KYHCA to process the payment to them that will reinstate my mortgage loan balance and allow me and my XXXX kids to stay in our home. THE SITUATION WAS MANUFACTURED INTENTIONALLY!!!! 
There is no reason for SLS to foreclose on my home! I experienced a brief financial hardship. the financial hardship is over. My job is strong and my income is strong. THIS IS ALL ABOUT THE GREED OF A BANK WHO IS TRYING TO CIRCUMVENT THE VERY PROCESS DESIGNED TO HELP HOMEOWNERS, ALL IN THE NAME OF GREED. 

I am approved by KEEP YOUR HOME CA and they refuse to withdraw or postpone the sale date on my home to allow KYHCA to bring the loan current This was absolutely MANUFACTURED! And CRIMINAL BETWEEN XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING! 

Only a bottom feeder purchases loans in a delinquent status. Because they smell PROFIT! My loan is owned by XXXX XXXX and there is more than {$200000.00} equity in my home. Please stop another greedy bank from profiting off the backs of a single mother and her XXXX children. This is our home of the past 17 years! 
Please contact this bank and help me and my children keep our home. 
SPECIALIZED LOAN SERVICING XXXX, CO XXXX XXXX p XXXX f XXXXXXXXXXXX Please call me anytime at XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LOAN NO XXXX