davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (VA)

XXXX XXXX XXXX continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.
Consumer complaint received 2016-09-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I attended XXXX XXXX XXXX in XXXX, OH from XX/XX/XXXX-XX/XX/XXXX. I had multiple issues finding a job as many others have. When I graduated in XX/XX/XXXX I owed {$41000.00} in loans. At this writing I owe {$39000.00}. It is astounding that in 8 years, I have only reduced my loans by {$2000.00}. The private loans, according to multiple discussions with XXXX XXXX then later Navient, are not eligible for deferment. You can get a forbearance on these loans but you have to pay {$50.00} per loan. And to be quite honest, I am not even sure I signed up for these type of loans. They were not explained to me at all and when I had questions about what I was signing, the financial aid advisor rushed me through the process. I paid {$160.00} a month for five years on my private loans on a graduated repayment plan. I have been paying $ XXXX monthly on my private loans since XX/XX/XXXX and {$130.00} on my federal loans when I could no longer defer them. I want it noted that I have never once went into default with these loans. I want it observed that the total payments I have made on my private loans alone, over an 8 year period and in the evidence I have submitted, is {$15000.00}. How have I paid almost {$16000.00} over 8 years? 
XXXX uses deceptive recruitment practices to lure students into enrolling to receive their federal financial aid. These students receive none of the valuable career skills for which they enrolled in the program and they leave with enormous amounts of debt. Subsequently, they ca n't find a job, they default on their loans, and taxpayers ' dollars are wasted in the process, all while these companies continue to profit off of student loan debt and federal financial aid. Only by my wife and I working together, and the grace of a higher power, we are not in the situation many people we talk to are in. I can not go to a regular school and get an actual valid degree because I simply can not afford to. This whole experience has left a devastating impact on me and I am afraid for my own child to go to college. 
I will not dispute that I owe the government money. I did go to school for two years. But I do believe I was deceived about the type of loans I had and the promise of the career path I chose. It was all lies and I have paid a heavy price for these lies. Again, over 8 years I have paid almost {$16000.00} for my mistake, more if you would like to count my federal loans. 
XXXX built an empire on broken promises and shattered dreams. And they used federal monies to do it. I feel I have more than paid for my degree and am requesting discharge of both my private and federal student loans.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I made a payment to Carrington Mortgage Services , LLC for my mortgage payment on XXXX/XXXX/15 ; including the late fee ; and Carrington has since marked my credit reports 30 days past due for XXXX and XXXX, and XXXX payment is not yet 30 days past due ( current date XXXX, note date is due on XXXX, XXXX day past due would be XXXX ) I would like for Carrington to resolve their violation of the FCRA by correcting the reporting on my Credit Reports.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (VA)

In XXXX of 2023 I contacted Comenity Capital Bank ( CCB ) in regards to service not renders and requested a removal of a charge in the amount of {$7000.00}. I received a notice from CCB indicating that complaint is last the 60 day requirement. I contacted CCB again and informed them of a communication error. I received indicating that the investigation is closed and charges are authorized. I provided a notice of appeal within 10 days requesting all communication and correspondence to and from the merchant that determined their decision. CCB provided no information or documents. I received the same letter indicating they have received my complaint and then on the same day I received that the complaint is closed. under the authority of law pursuant to The Federal Credit Billing Act CCB is required to act on my behalf and complete a full investigation. This was not done and they ignored my complaint.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

I attempted to have my student loans consolidated back in XX/XX/2009. When I did consolidate them, A new loan appeared on my credit report. When I consulted to new loan company, they did not see the loan that I was speaking of. I then called the department of education and they told me the loan that was added was paid in full and should not be collected from anyone. Well, Navient is refusing to adhere to that and are collecting on this very loan as I type this. I paid on it again today. I have produced the evidence from The Dept of Education and they have still refused to delete this loan or repay my funds. I need help. The dept of Education has proven that this loan is a XXXX balance.
Consumer complaint received 2017-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NE)

I was having trouble making payments on my student loans and was contacted in XX/XX/XXXX by nelnet who informed me I could have a economic hardship deferment because I was working at a non profit. After discussing this with them on the phone I was made to believe I had received this and moved on thinking I had time to get my finances in order before paying back my student loans. 
Later in XX/XX/XXXX I was looking through an older email account of mine when I saw an email from them asking if I was interested in forbearance which i was confused by because my account was supposed to be already deferred. It said to reply yes to this email if you want forbearance so I did but was confused why I would need to. I received the same email again in XX/XX/XXXX. and replied yes again and was growing more confused but figured my account was already deferred so it was n't a big deal. 
When I recently checked my credit score I saw that it had dropped by a large amount and when I looked to see why it showed my student loans had been late for many months after I said yes to the deferment. 
I contacted Nelnet XX/XX/XXXX and told them about the call where I was told I had received a hardship deferment and the email replies. Regarding the first email I sent I was told that there must have been a problem with their technology because they just received my final email on forbearance. When I asked about the call I had with them where I was told I had a deferment they said they sent me a form in regards to the hardship which was never mentioned on the call where i said yes to taking the deferment. 
When I asked what could be done to address this situation they said I am on forbearance now so nothing is currently due however this does nothing to help with the damage done to my credit. When I asked what could be done to address the damage caused to my credit by the fact I was allowed to believe I had a deferment and my loans had gone unpaid they blew me off and said they would submit a complaint but it would n't lead to anything. I find this particularly frustrating because they pushed me to take the deferment and forbearance and admitted to at least with the email it being their technologies fault but say they ca n't remove the damage done by their mistakes from my credit.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

XXXX I went to XXXX university in XXXX XXXX at the time I was XXXX years old. I wanted to do something with my life so I followed a friend to this school and the first day of class was that evening. But I had to pass a entrance exam and fill out financial aid papers. My advisor at the school was very nice all I thought I was doing was filling out financial aid papers. I didnt find out until after I graduated that the school had taken out a XXXX Dollar student loan. I wasnt aware and Im willing to take a lie dector test whatever it takes to prove my case. I cant afford to repay this loan and havent even been able to work in the Field that I went to school for. I need help if you see they just rushed everything so that I could start school the same day I filled out those papers. XXXX knows I never knew this was a loan and I never would have sign up for a XXXX Dollar loan please help!!!
Consumer complaint received 2016-07-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I obtained loans through XXXX XXXX ( Navient ) for a total of XXXX. To date I have paid back XXXX. I currently owe {$40000.00} over XXXX more than I originally borrowed. I accrue interest at a {$210.00} a month. Even at the suggested payment of XXXX I 'm only paying {$200.00} to principle and it will take me 17 years to pay off and I will have paid nearly {$110000.00} on a {$32000.00} loan. I find this disturbing. I have paid nearly $ XXXX and nearly $ XXXX of that has been interest only. There should be limits on the amount of money that a lender can charge. Being unable to afford {$410.00} per month only means that I 'm going to end up paying even more.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Guild Holdings Company (WA)

We were brought into Guild and met with the sales manager XXXX to purchase our first home. He seemed nice at first. After the initial consult we were handed off to his assistant team. Things just fell apart. They clearly have NO documented business processes or documentation checklists. It was constant excessive back and fourths. Then when it came time to sign the loan package it was different then what we agreed to. When we brought it up they pulled a bait and switch and said that they needed more time, more money, new terms and an entirely new loan! Worst communication ever, unethical lending practices and made our first experience a horrible one. I would never trust or do business with them again!
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2017-12-04
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. (MD)

I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Big Picture Loans, LLC (CA)

On XXXX/XXXX/16 I applied and was approved for a {$600.00} Loan. I was told that there would be a {$210.00} finance charge for this and I accepted this however I was unable to see the truth lending documents which stated the total payments would be XXXX because there was a interest rate of 800.8 interest rate. I was not able to view this until after I accepted and agreed. This is not fair. Is this legal?? I only agreed to borrow {$600.00} and now I am receiving notices that I now owe {$990.00}. I have already made two payments one for XXXX and one for XXXX. This is confusing. How do I owe over {$4000.00}. I was also given an extension to pay the current payment which was due on XXXX to pay {$210.00} on XXXX. They took the money out of my account anyway and I had a three way conversation where I spoke with Big Picture loans and my bank to have the money credited back into my account since they assured me that I was given an extension to pay the next payment on XXXX. They again went back on their promise and tried to take the money out on XXXX. According to my calculations, this loan for {$600.00} should be paid off by the end of XXXX. PLEASE HELP!
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am not liable for XXXX XXXX XXXX. I asked for XXXX to produce a copy of the original signed contract with my signature on it. I never received any documentation. By State and Government law under the FCRA, unverifiable accounts must be deleted or removed. This is a violation of my rights under the FCRA Laws. It has been well over the 30-60 day time frame.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (GA)

I have an XXXX XXXX XXXX Synchrony credit card. I have been paying it every month around the same time. Apparently, sometimes the payment would end up in the same billing cycle and synchrony would send me a late fee for paying a few days early. Telling me that I was late when I was not. Making me call to have address the issue and having the fee removed. This has happened multiple times and when I called each rep provides different dates to apply my payment so this would not happen. Last month I called and this issue was told to pay at the end of the month. So that was what I prepared my lself to do until I received a call today saying I owe XXXX or XXXX some dollars for missing payments and a late fee. I asked the rep why and they told me it is because I was late. The payment was applied to the last month. Hence, I needed to pay for last, this month, and the late fee. I explained that was not fair and I needed that month to pay other bills. Then, they removed one month payment and decided I needed to pay the late fee because technical I was late. I dont believe I should pay a late fee for being early and that late fees should be for those you are actually behind on their bill not ahead. No other credit card I have does this only this one. And they believe they are following the credit card act of 2010 because they are using the billing cycle that I am not falling into when they cash my check for my payment. That is what the account manager told me today.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (GA)

My mortgage was transferred from XXXX XXXX XXXX to Statebridge Financials LLC on XXXX/XXXX/2016. My credit score dropped XXXX points due to the transfer, which I hoped would recover after Statebridge reports my on-time payments. On-time payments in the full amount with some payments with additional escrow have been made for XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 and XXXX 2016. None of these on-time payments have been reported by Statebridge to the credit agencies and therefore my score is well below any fair assessment and access to fair credit. By not reporting these on-time payments, Statebridge locks me into high percentage loans which otherwise could be refinanced.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (AZ)

We recently filed a complaint with our mortgage company and how they were overcharging us for escrow. They submitted their response and are changing the payment. However, we believe the payment should have been adjusted back in XXXX ( XXXX XXXX ) when the new Homeowner 's policy went into effect. As such, they partially overcharged us for XXXX and fully overcharged in XXXX. Again, I tried to contact them before the XXXX payment was due to no avail ( being on hold on two separate occasions for over 45 minutes ). As such, we paid the old payment of XXXX in XXXX and XXXX. XXXX mortgage should have been XXXX versus the XXXX we paid. As that difference did not go towards principal, and we are not seeing it in our escrow account, we believe they owe us the Homeowners Insurance overpayment amount ; i.e. the difference between the old payment and the new payment ; partial month of XXXX and full amount for XXXX. 

I have also reviewed our account on their website and it is still reflecting the $ XXXX amount for homeowners insurance. I am attaching for your review.
Consumer complaint received 2017-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (UT)

We set up our account on coinbase at exactly XXXX/XXXX/XXXX we went through the steps to verify our account including giving detailed banking information, articles of incorporation, passport, and sealed official documents from the state of Utah to verify our identity. 

On XXXX/XXXX/XXXX we received an email stating that coinbase ca n't verify our identity with no further explanation or steps on how to resolve the issue. 

On XXXX/XXXX/XXXX without any response or warning our account was locked out with no explanation. We sent this company an email asking why this was done and have had no response. 

On XXXX/XXXX/XXXX We sent another email asking why support is n't answering any of our emails and received the same canned response of it will take a few days to receive a response. 

As of XXXX/XXXX/XXXX Coinbase is holding over {$4000.00} XXXX of our money in their account and refusing to give it to us. They have not unlocked the account and are still not responding to any forms of communication.
Consumer complaint received 2017-12-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Texas Guaranteed (AZ)

On XX/XX/XXXX, I receive a letter of collection from XXXX ( XXXX XXXX, soon to be XXXX XXXX ) about a debt that I am already paying on via offset of my Social Security. They are threatening collection action if I do n't make payment arrangements ( current letter included, dated XX/XX/XXXX ). I have been paying this debt, above a reasonable amount since XX/XX/XXXX ( Documents attached, except XX/XX/XXXX as that document is missing ). 
This company does not participate in an Income-Driven Repayment Plan with the US Government, Dept of Education, yet, they collect for the Dept. of Education. I have submitted such a request ( IBR ) to the Dept. of Education, via XXXX, and they have long-since accepted this. I am currently on forbearance. 
I highly resent their letters to me threatening collection when they are already collecting on the debt. I do not talk to them as they contact me through various, unknown phone numbers and often, the people on the other end are not helpful. Furthermore, voicemails that are left leave only a name of person to call and, " Please call this number and reference this file [ some number given ]. '' As no other information is left, no calls are returned.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX, XXXX purchased a sofa recliner on line from XXXX XXXX XXXX using my credit card with XXXX XXXX. The terms of the purchase were misleading. The website was not clear on payment terms if you were making the purchase using a XXXX card or using another method of payment. The end result is that I am being assessed a {$280.00} monthly payment instead of {$50.00}. I spoke to representatives at XXXX XXXX  and XXXX and could not receive any assistance. I can not afford such a high monthly payment and would not had fall victim to XXXX deceptive advertising.