davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

My loans got sold to Navient from XXXX XXXX a few years ago. Dealing with Navient is very unpleasant. I have been trying to lower my monthly payment plan with Navient Solutions for well over 2 years now and as of today I am delinquent because Navient refuses to help. 
I have gotten wrong information from various representatives from this company. They provide wrong information so you are stuck paying the monthly rate they want you to pay. I never get anything emailed to my for confirmation even after they say it has been emailed. I get told paperwork needs to be done online and then I get told that no, paperwork needs to be mailed. This has been happening for a whole year. 

They put representatives on the line and threaten to sue those with language barriers if they dont collect the full amount the day they call. XXXX ( Employee ID : XXXX ) is the one making the threats against my mother. 

I immediately called that day to speak to a supervisor ( XXXX ) central standard time and I was told he was on a dinner break and will return my call. As of today, said supervisor is yet to call me. 

All I want is to lower my monthly payment so I can make this debt go away. I want them to investigate thoroughly how my account has been handled since XXXX XXXX sold it. 

The wrong information that was provided by various representatives from Navient Solutions has caused my interest rate to triple and my principal balance to double.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XX/XX/2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.
Consumer complaint received 2018-01-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I received a late payment alert on XX/XX/2017, I called XXXX and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX  in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
Consumer complaint received 2018-02-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BOVA Financial Group LLC (CO)

I am writing this complaint to report Bova Financial Company  that does business out of California. In XX/XX/XXXX I called to get a modification loan. I talked to XXXX XXXX ( the owner ) and had told her that we would probably not qualify due to our income, but she reassured me that she could help. The amount they wanted was {$5000.00} to work on the loan. I was very hesitant to pay upfront, but she said it was a win/win situation. I would get the money back in full if we did not like the offer. All we wanted was a lower interest rate and a lower payment. Trusting them, we sent in the money. I was working with XXXX XXXX   to whom only worked with me for a month. I had sent all important documents via email and did not hear from them for quite a while. Then i got a guy named XXXX XXXX  working on it for a very short time. I told XXXX  this was taking too long for a loan. Then another lady, XXXX XXXX, worked with me for about six months. Throughout all these agents I sepecifically said I did not want the amount of years to change on this loan and that i wanted the original loan, a lower mortgage payment, and a lower interest rate. All this time XXXX XXXX XXXX was calling me daily and XXXX  told me NOT to talk to them and that Bova was taking care of it. In all this wasted, stressful time XXXX   offered me a 4 month trial period of which XXXX XXXX  and XXXX XXXX   told me that this was my original loan that I owed 15 more years on and that it was 2 %. We agreed to the trial period thinking it was 2 %. When the trial was over, unbeknown to us, XX/XX/XXXX, the loan mod was a 40 year loan without a change on the mortgage interest. After all of this, I had continually asked for my money back. Then XXXX  assigned XXXX to do a refinance. She did not last long. XXXX  then refered me to a refinance company, XXXX. I could have already refinanced 2 years ago. It has been a nightmare to say the least, XX/XX/XXXX - XX/XX/XXXXand still not good offers. We are angry and we trusted the wrong company.
Consumer complaint received 2018-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC (NJ)

Company XXXX XXXX XXXX XXXX XXXX contacted me from XXXX to state that I owe a payday loan but they could not collect because I filed a bankruptcy so now they are trying to file charges on bad check because they could not collect the money because I filed a bankruptcy.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally Experian has taken more than 30 days to investigate as per FCRA and should immediately remove the items below. Please see items below ACCOUNTS XXXX XXXX XXXX NEVER LATE XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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   XXXX XX/XX/XXXX
Consumer complaint received 2018-01-29
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: Source Receivables Management LLC (WA)

Source receivables management is reporting an account on my credit reports thats i do not believe belongs to me. They are refusing to send validation of this debt. By law, they are required to send validation within 30 days of my request, and they are ignoring my request. They were asked in our initial phone call and it was stated that I requested validation in my previous complaint. Source receivables told me they were unable to provide me with validation of this debt- therefore they can not report this account on my credit reports. It is against my consumer rights to refuse to validate this debt, and it is also against my consumer rights to report a debt on anyones credit report without proof that this debt belongs to them.
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Account : XXXX I have a loan with XXXX which I presumed closed and paid in full in XX/XX/XXXX but I come to find out whilst filing my taxes this year that it is still open with a balance of {$770.00} with an extended due date of XX/XX/XXXX. When I made a lump sum payment of {$58000.00} on XX/XX/XXXX, at the time I assumed my loan was paid in full because this was the total amount and even if it wan'ts in full, I would not assumed that Nelnet would automatically EXTEND my due date so that I can unknowingly continue to pay interest until XX/XX/XXXX. Customer service informed me that I paid off the principle balance but neglected the interest, if I would of known I would off paid it off the following month when my statement comes but since they automatically extended the due date, I wouldn't have known unless I received an email stating that my tax documents was ready- which I usually ignore since I know that I paid off the loan in XX/XX/XXXX thus nothing to report on. 

This automatic due date extension is extremely deceptive. You can pay off your total amount due ( or what you presume is due ) but since interest is compounded daily, you actually wouldn't of pay in full unless you call and get the actual total for that day. I never consented to this automatic due date extension. My intentions when I paid $ XXXX in XX/XX/XXXXwas to pay off the total, not to have a lingering amount to help Nelnet accrue interest off me.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX CONTINUATION to MY FORMAL COMPLAINT Pin # XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Capital One Cases : XXXX, XXXX CFPB No : XXXX Dear XXXX XXXX and Capital One : This letter again is in response to my complaint to ( CFPB ) regarding my complaint of receiving XXXX XXXX credit card account personal information being sent to my email address, and sending mail/offers to my home address. 

You stated as of the date of the last letter, you removed my name and address as it appears above, from your mailing list, however, on XX/XX/XXXX I received a letter from the following : Capital One Quicksilver Rewards, XXXX XXXX XXXX XXXX, XXXX, VA XXXXand I spoke with someone there in reference to it and she never responded. XX/XX/XXXX letter from Capital One VentureOne Rewards to the name and address you have supposedly removed. ( Copies of envelope attached ). 

As I stated to you in my complaint, this is very stressful dealing with this continually and as I stated in my earlier complaint, that if this continues, You are still sending me offers at the same name and address you claim that you have removed. Each time I have to deal with this situation it is costing me a stressful time and you all need to compensate me for my time and stress, in my original complaint I asked for a {$1000.00}, now I am asking for more {$1500.00} because it is continuing and for my pain and suffering and time and aggravation in dealing with this continued matter. I am asking you for the last time to CEASE AND DESIST and remove my name, address, email and any other information relating to me from your records, all records, offers, etc. I am not a customer and do not want to be a customer of Capital One. I will be contacting Consumer Affairs to file another complaint if this is not resolved in a timely manner. If I can not get this resolved, I will be contacting a lawyer. 

This letter will serve as your legal notice to CEASE AND DESIST all further mail, emails, correspondence and all further mail actions described above. You are hereby instructed to comply with this letter immediately or face legal actions under applicable Federal and State laws. 

I may utilize recordings to document any telephone conversations that we may have in the future if u fail to comply with this cease and desist letter. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX or XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX fax # XXXX ) XXXX
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I am writing you concerning that fraud were committed at XXXX 's Store  # XXXX, XXXX XXXX FL. 
XX/XX/XXXX I came in to this store and made a CASH payment toward my XXXX 's XXXX account for the amount of {$1300.00}. 
That amount reflects on my monthly statement. However also is showing on my statement an Adjustment/charge for {$900.00} on XX/XX/XXXX in the description Field it says Payment. 
Therefore the payment of {$900.00}. was reversed without any action on my part. 
I have already attempted to resolve this problem at XXXX Store, filed incident report with customer care department, and dispute transaction with XXXX XXXX. XXXX store is stating that they have done nothing wrong and sending me to the XXXX XXXX. XXXX XXXX is sending me to the XXXX. 
Unfortunately, the problem remains unresolved. I look forward to your reply and a resolution to my problem.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
Consumer complaint received 2018-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. XXXX XXXX   had issued a inquiry to my account without my consent. I tried calling XXXX XXXX, and they were very unhelpful. They told me i had to call Transunion to dispute the issue. Okay, so I tried calling Transunion. Transunion told me i had to get XXXX to send me a letter of deletion so that i could then forward it to Transunion, JUST so they can remove the inquiry from my credit report.I tried calling XXXX back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through XXXX XXXX  and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: John C. Heath, Attorney at Law, PLLC (DE)

Hi. about an year ago I had XXXX XXXX help me out with a issue for my XXXX   XXXX/XXXX. I opened that account about 3 years ago now. The first bill never came to my house. i tried to get into contact with XXXX but no answer. until 4 months later upated my info and paid the bill. i would like to see if you guys would be able to help me removing the late payment history. Even1 or 2 remarks would be very helpful. The last 2 years and 8 months I've paid on time.
Consumer complaint received 2017-05-04
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: TRANSWORLD SYSTEMS INC (FL)

I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are   XXXX  l oans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC (IL)

I am writing this complaint because it has come to my attention from XXXX XXXX that improper reporting has occurred and that I should contact Galaxy International Purchasing , LLC. Also, according to XXXX XXXX they have no rights over the alleged debt, XXXX  ( Galaxy International Purchasing , LLC ) does. I sent out a Debt Validation letter on XX/XX/XXXX, I have not received anything back from XXXX. I sent the same letter to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only thing I have received is statements and print screen of application, which does not validate the debt. It is hard to communicate with this company as regarding XXXX and XXXX XXXX if they do not respond back as I only do written correspondence. Lastly, according to Illinois Department of Financial & Professional Regulation, Galaxy International Purchasing , LLC does NOT have a license to collect in Illinois. I got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the alleged debt was sold to XXXX, I moved to Illinois in XX/XX/XXXX and I made sure that XXXX XXXX was aware of it. I also made my payment for this debt in XX/XX/XXXX when I was living in Illinois to XXXX XXXX XXXX  which settled the account to paid in full settled. Stated in a previous CFPB complaint that XXXX does not report nor does XXXX XXXX XXXX.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

I initiated a transfer of {$270.00} worth of Bitcoin on XX/XX/XXXX that was supposed to post to my bank account on XX/XX/XXXX. The Bitcoin was immediately deducted from my account. After waiting a few additional days for the money to be deposited, I submitted a support ticket with Coinbase on XX/XX/XXXX to no response. I reached out to them on XXXX on XX/XX/XXXX and also received no response.
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Focused Recovery Solutions, Inc. (VA)

I was not aware of this debt after the bill came they stated they would make payment arrangements, I have not heard from them since then I've gotten this notice with my address has changed since XX/XX/XXXX this bill is dated XX/XX/XXXX. I am young wants to buy a home this will damage my good name tremendously.. Violated the HIPPA ACT or Law
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attached 2 complaints against XXXX XXXX. 

I has disputed XXXX XXXX XXXX XXXX that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX   appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1. For reporting an item that had already been removed 2.  Not responding in a timely manor. 3. Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. 

I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. 

Please remove immediately.